23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXXWalmart - Account number : XXXX Please provide the description of the procedure of the investigation used to verify this account. Walmart discontinued business with XXXX XXXX  and partnered with Capital One. I have called each company numerous times and all three companies ( Walmart ) ( XXXX XXXX  ) and ( Capital One ) all state that they can not locate the account. I have been trying to have this verified or removed off of my credit report immediately. 
Account Number Not Found in XXXX XXXX! 

I am writing to request a detailed description of the investigation process that was followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681I ( 7 ) : Under Section 15 1681I ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute.

I received a letter from you stating that the account number XXXXwas verified. PLEASE PROVIDE PROOF of Verification Methods or remove from my Credit File. If Information is verified again, please provide Creditor Contact Information as this is unfair for my account to be lost in limbo due to the merger of Walmart and Capital One. PLEASE REMOVE IMMEDIATELY
Product: Debt collection

I went to XXXX back in XXXX of 2022 to become a customer with them. XXXX was advertising free phone with new service, so I went in to pick out a phone and they told me I had 14 days to try it out. Well I called them a couple days latter to tell them the phone was getting hot and 11 days later I took it back and told them I didn't want it. It cost me XXXX to get out of the store with supposedly a free phone. They never told me about all the hidden charges. Now I've got a debt collector months latter for a bill that XXXX can't provide me with a brake down on how this bill occurred 5 months later and they tell me the account has been closed since XX/XX/2022. I'm wondering how I can get a bill from a closed account?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have discovered items that I do not recognize or applied for. Upon further investigation, I realized my personal information was exposed in serval data breaches as well. I have no recollection of applying for any of the accounts in question. Pre section 15 USC 1681 C-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days. 



These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Checking or savings account

I opened the account in XXXX, ( Acct # XXXX and savings # XXXX ) I funded it through direct deposit from my XXXX XXXX XXXX. I made XXXX XXXX payments to my new landlord on XXXX and XXXX for {$500.00} and {$600.00}. I woke up on XXXX and my account was blocked and set to be closed in XXXX days. There was no notice, no warning, nothing and they won't allow me to retrieve my money. I spoke with numerous people on XXXX and XXXX they all refused to help me and hung up on me. So I reached out to the Executive Response Unit for help. They took my information and gave me a reference number : XXXX
Product: Credit reporting or other personal consumer reports

I was XXXX  XXXX to XX/XX/year> Several.items on my credit report are not mine and should be removed because I did not do them and was iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove these from my credit report pursuant to title XXXX and title XXXX of the privacy act and credit report act I was not giving anyone permissible purpose to send my personal information to XXXX XXXX reporting agencies nor have I signed any contract stating I agree to have my personal information reported by XXXX XXXX reporters or credit bureau
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX, XXXX, and TransUnion for their ongoing and unjustified reporting of a disputed debt claimed by XXXX XXXX XXXX. Despite filing two previous complaints against XXXX XXXX XXXX, they have persistently failed to provide the necessary documentation to validate their claim, such as the Assignment Transfer or a valid contractual agreement with the alleged original creditor, XXXX. This failure to comply with legal requirements raises serious concerns about the legitimacy of their actions. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I am entitled to a thorough reinvestigation of any disputed information on my credit report. Given that XXXX XXXX XXXX has not met their burden of proof by providing the required documentation, this account should not continue to be reported on my credit file without proper validation. By continuing to report this unverified debt, XXXX, XXXX, and TransUnion are in direct violation of the FCRA 's requirement for accuracy and completeness in credit reporting. Their failure to ensure that only accurate and substantiated information is reported reflects a serious disregard for their legal obligations. Furthermore, XXXX XXXX XXXX 's repeated failure to provide verification of the debt upon request, as required under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), necessitates immediate and decisive action. XXXX, XXXX, and TransUnion, by continuing to report this disputed debt, are complicit in perpetuating these violations and must be held accountable for their role in this matter. Additionally, I believe there are potential violations of the Internal Revenue Code ( IRC ), specifically IRC 6050P, which mandates the issuance of a 1099-C form if the debt has been forgiven or settled. Any inconsistencies in the reporting of debt ownership or false statements regarding the value or transfer of the debt could also constitute a violation of IRC 7206. These issues warrant further investigation, including by the IRS, into XXXX XXXX XXXX  tax reporting practices. 
Given the persistence of these violations, I am demanding that XXXX, XXXX, and TransUnion immediately cease reporting this debt on my credit file until proper validation is provided by XXXX XXXX XXXX. If XXXX XXXX XXXX can not provide the legally required documentation, this account must be removed from my credit report without delay. I am invoking my rights under the FCRA, FDCPA, and relevant sections of the XXXX, and I request that the CFPB enforce compliance with these laws. Failure to address these ongoing issues will result in further escalation to other regulatory bodies, including the Federal Trade Commission ( FTC ) and the Internal Revenue Service ( IRS ), to ensure that my rights are protected. Thank you for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Actions Hard Inquiry 15 U.SC 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of the information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

I elected to start using PayPal for most of my online purchases and I chose the option to have the purchase go to my XXXX credit card account. That worked just fine in the beginning. Then one day I started to receive e-mail notices that my PayPal account was past due. I could not understand this because my purchases were supposed to go my XXXX card account, where I could pay them off each month. As it turns out, I had XXXX purchases that went to my " PayPal Credit '' account. I knew I had a " PayPal '' account, but I did not know I had a PayPal Credit account. At any rate, I contacted PayPal about the matter and I paid them for the XXXX purchases I made, but I requested that they waive the Finance Charges and Late Fees. I asked them to close my account and told them that I would not use their services to pay for purchases. 
Evidently, these request to close my account and waive the late fees went completely unheeded. I have read about PayPal being sued by Consumer Financial Protection Bureau about this exact matter XXXX XXXX 2015. My transactions were in XXXX 2015, so that should have stopped their deceitful practices long before.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX and equifax is missing generation identifier. These are inaccuracys XXXX reports status updated XX/XX/XXXX Equifax reports status updated XXXX XXXX XXXX reports status updated XXXX XXXX. These are inaccuracys. 

XXXX reports last payment date XX/XX/XXXXXXXX XXXX XXXX  Equifax is missing last payment date. XXXX is missing last payment date. These are inaccuracys
Product: Credit card or prepaid card

On XX/XX/2023, my account was charged twice by a company called XXXX without my authorization, once for {$1.00} and once for {$59.00}. On XX/XX/XXXX, I promptly filed two disputes regarding these charges. The first dispute was for the {$1.00} charge, and I received a swift reimbursement. However, the second dispute was for the {$59.00} charge, and unfortunately, it led to the closure of my card due to suspected fraud. Although I received a replacement card, I have observed that the fraudulent charge still remains on my account balance.
Product: Mortgage

I contacted VanDyk Mortgage because they raised my mortgage payment by over {$500.00} per month due to miscalculation of my escrow and update my home insurance. Upon reaching them on XX/XX/XXXX I was notified ( by XXXX XXXX ) they had sold my loan effective that day. The notification letter was actually delivered Saturday XX/XX/XXXX giving less than no notice. Subsequently, I have not been double charged for insurance due to VanDyk 's poor communication and my incorrect escrow info transferred from VanDyk will cost me {$11000.00} this year which is nearly twice my insurance and taxes combined which should be just short of {$5700.00}. This is predatory lending at it's core and due to the lack of notice and incorrect accounting I am paying {$450.00} per month too much on my mortgage.
Product: Checking or savings account

In XX/XX/year> i made XXXX visits to a local Citibank office to put my accounts in my trust as I am a senior citizen and trying to get my affairs in order. I received a letter in XXXX stating they are not able to add signers please contact Citiphone. I called and waited 25 minutes and the rep didnt understand so I asked to speak to a supervisor. I told her The line was garbled and I couldnt understand what she was saying then she hung up on me XXXX minutes lost and nothing accomplished
Product: Credit reporting, credit repair services, or other personal consumer reports

today i spoke with a agent named " XXXX '' but i do not believe that is his name since he refused to give me a last name. i asked him about two accounts that XXXX XXXX XXXX furnished on my report. he stated they were mine, i conditionally accepted to pay the debt if he can show me a wet ink signed contract between me and XXXX XXXX XXXX  of course he could not provide with me such contracts since i don't owe Them any debt nor ever heard of them prior to me monitoring my Report, so i demanded the removal of the debts off of my report since it has been making it difficult for me, as a consumer to receive any lines of credit in the past. i previously disputed the accounts multiple times with EXPERIAN ( Report XXXX XXXX ) and it kept coming back verified even when i asked them to conduct a proper investigation which was never conducted nor provided to me as requested. i also have a suspicion that XXXX XXXX XXXX obtained addresses from my report without my permission and updated it on their file to match my report. He also informed me of their attempt to " contact '' me at my father 's address in which i have not resided in since XXXX and he also told me they tried to " contact '' me at a phone number i had in XXXX which i do not know how they obtained it since that was new number i got in missouri while i was in college. 

I also had an issue with XXXX XXXX XXXX furnishing a collection account which were deleted off my EXPERIAN ( Report Number : XXXX ) And XXXX XXXX Confirmation number : XXXX ) Reports which also impeded me from obtaining any lines of credit and violated my consumer RIGHT to privacy since i never Gave any PERMISSION to furnish such accounts. 

There was also another company that furnished a collection account on my report without my permission and i have never heard of them before. XXXX XXXX XXXX reported a collection on my EXPERIAN ( Report Number XXXX ) Report which also impeded me from obtaining any lines of credit and violated my consumer RIGHT to privacy as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my letter dated XX/XX/2020, I disputed the {$1500.00} alleged debt that you are attempting to collect. Additionally, I requested verification of the alleged debt pursuant to my rights under the FDCPA. Additionally, I requested that you cease and desist all collection activity, including credit reporting. That is, I requested that you delete any and all reporting made to any consumer reporting agencies. You have failed to address my very specific legal requests and are in clear violation of the FDCPA. First, under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. Second, you failed to cease and desist and delete your credit reporting of the disputed alleged debt. Under the FDCPA, it is a false, deceptive, or misleading representation or means in connection with the collection of any debt to communicate to any person ( e.g., a consumer reporting agency ) credit information which is known or which should be known to be false.
Product: Credit reporting or other personal consumer reports

Transunion has Reported late payments on my Auto loan XXXX XXXX XXXX without my acknowledgment. The late payments should not be on my Credit Report. I paid this Auto off in XXXX 6 months to one years time. According to Code 15 US 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure the each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I saw a loan account on my credit report with a balance of {$250.00} from XXXX XXXX. Also, on XX/XX/XXXX, I saw a loan account with a balance of {$300.00} from XXXX XXXX on my credit report. I did not open these accounts with XXXX XXXX They belong to someone else
Product: Student loan

Between the dates of  XXXX  a steady repayment method has been made of nearly  XXXX  a month to Federal/Private student loans.     Having become  XXXX , I have recently fallen into financial hardship and have requested a delay of payment but   Navient is now taking action to send me to collections.
During struggling periods, this is not the first time repayment methods have become a problem with Navient.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of credit card account number XXXX XXXX XXXX # XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Checking or savings account

I got a hotel off of a XXXX on XX/XX/2025. Upon arriving at the hotel, the man at the front desk didn't think to check my reservation and charged my card. In additional {$110.00}. Due to their not being a manager on the property. I waited until the next day when a manager was there for them to? Reverse the charge on my card. And to which they did, I have documentation from the company i've called their corporate and they are not holding those funds cuz it was an accidental charge. Cash app, however, will not release my funds because they claim.That the hotel still has them pending. And that isn't accurate, and I have provided the information in the documents that Cash App has requested of me to be able to get my money and I've informed them what kind of duress they're putting me under and they refused to provide with any documentation or solution for any issue that. I have. They literally just stopped talking to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please DON'T CANCEL THIS REQUEST AS DUPLICATE. 
GM FINANCIAL has re-reported incorrect information about my auto loan. Although previously disputed after CFPB reporting the company fail to maintain the correction of my dispute results which were to remove the XXXX late reporting for XXXX and XXXX both deferred payments. XXXX XXXX and XXXX were to be removed u see Cares Act and documents were sent to company and bureau to correct and both failed even with documents clearly stating THIS. I need CFPB to push the required law
Product: Debt collection

this item is listed as " charged off '' and I would like the negative issue removed from my credit report please
Product: Vehicle loan or lease

I notified the company CPS about my recent accident on XX/XX/XXXX. My car had pretty significant damages but I was currently taking the other driver to court and paying my loan and insurance and also notified CPS around XXXX XXXX. that I would need an extension until I go back to work XX/XX/XXXX. An extension was granted and to this day it states I don't have anything due until XX/XX/XXXX. I found out today XX/XX/2019. My vehicle was repo 'd while at the repair shop. I received no phone call/voicemail/letter stating this was going to happen. No notice stating that it was even an option. If it were, I would have done what was needed to prevent it. Especially while currently dealing with an auto injury/ prop damage case.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate and incomplete that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate and incomplete information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct starting with the List of accounts. If not, please remove it from my credit report Immediately. 
Inaccurate and Incomplete Information 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report
Product: Prepaid card

On XX/XX/2024 at approximately XXXX am is when my card stopped working and purchases were coming back declined or saying that my card was invalid. I tried calling the card company every day since it started and was never able to speak to anyone and can't seem to get anyone on the phone to get answers and when I called today XX/XX/2024 I finally spoke with XXXXwo different people who could only tell me that my card is showing as invalid but couldn't explain why and when I was transferred to another department, I have been on hold for 27 minutes now as I am typing this complaint waiting for someone to pick up the phone. I have also tried logging into my account online and can't get into my account to see any information. Please help.