23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

RGS is trying to collect on behalf of XXXX XXXX XXXX for an unknown debt. RGS has not supplied any proof of contract showing the signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. I discovered that this collection was on my credit report XX/XX/2021. This negative account in the amount of {$140.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS STATING THAT I OWE THEM MONEY, WHICH I DONT. I HAVE ASKED FOR A VALIDATION OF WHAT THEY SAY I OWE THEM, WHICH I HAVE NOT GOTTEN YET. I WANT A VALIDATION LETTER WHICH IM ENTITLED TO UNDER LAW, WHICH WILL SHOW THAT THEY REAGED SOMETHING.
Product: Credit reporting or other personal consumer reports

Equifax : These debts is considered a Charge Off. However, this actually considered income because I should have received a 1099c in order to account for this as in come. This is not a Charge Off I'm requesting these to be removed because it's not debt. This is considered income and income should not be reported on your credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello.my name is  XXXX   XXXX .i send it the amount of {$250.00} for my sister in my country and i was very specific with the lady whoever attemp my phone call than i want to my sister got the money in the window of the bank.but she did everything wrong.she put the money in  one account th an l never mention to her.my sister has to go two times to the bank.to try to got the money.and they told her than there is no money.available.that peace me off.because the has to waist ther time for no reason..this comp i s Ria  XXXX
Product: Credit reporting or other personal consumer reports

This is my XXXX complaint. I have provided my written information and my personal information. I requested proof providing statements showing I permitted to have my information shared to third parties for any purpose. If proof can't be provided remove inquiries and update information to Maximum Accuracy as required. The Fair Credit Reporting Act protects consumer privacy in multiple ways, including by " limiting '' the circumstances under which consumer reporting agencies may disclose consumer information. FCRA section 604, entitled " Permissible purpose of consumer reports, " identifies an exclusive list of " permissible purposes '' for which consumer reporting agencies may provide consumer reports, including in accordance with the written instructions of the consumer to whom the reports relate.
Product: Credit reporting or other personal consumer reports

XXXX reported this account as Collection/Charged off and have received the funds via IRS however , I was not sent the 1099C Form to report properly to the IRS as a income because they wrote the amount off and they need to remove the debt from my credit report as they have already been compensated via the IRS.
Product: Debt collection

I have a collection listed on my credit report that is not mine. 
ALDOUS AND ASSOCIATES this is nit my account.
Product: Mortgage

In XXXX 2016, I applied for a refinanced mortgage from US Bank. I have had multiple accounts from US Bank for decades. The mortgage I wished to refinance is an ARM that I wanted to refinance to a fixed rate loan. I have lived in the same house and paid on the mortgage for almost 15 years. The refinance was going to be 80 % loan to value. 
Because I 'm retired, I do not have XXXX income. In addition to Social Security income I have income from investments and real estate. I was required by US Bank 's underwriters submit a huge amount of documentation. The bank 's document requests dragged on for months, costing me inordinate amounts of time and inconvenience. On Monday, US Bank denied my refinance application, because they said my debt to income ratio was too high. I never saw their analysis of debt to income, but I believe they were completely misinterpreting the documents that I had submitted. My only debt is my mortgage, and when I compute my debt to income ratio using conservative assumptions, my debt to income ratio is about 30 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contrary to XXXX XXXX bank response IN CFPB XXXX regarding XXXX XXXX  and the transferring of XXXX XXXX it appears according to CFPB bank examiner documents that are attached : XXXX  IS REQUIRED TO REMEDY FOR THE FRAUD OF XXXX XXXX  and furthermore was required to receive substantive elements of the conversations between XXXX XXXX AND XXXX, XXXX REP at the time of transfer to XXXX. 

SEE ATTACHMENTS PG4 AND 5 OF CFPB DOCUMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

There was no indication on credit report that this debt existed. There was no letter from collector or original lender to suggest this debt existed. 
15 years after the last payment was garnished from paycheck and the amount climbed in interest charges. 
Balance paid with slightly reduced settlement but still exceeded the interest charges. THERE WAS NO COMMUNICATION FROM THE LENDER
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX failure to yield. Stop to a pedestrian. Is a lie my XXXX hit ice I jumped the divider and XXXX stopped. No people involved. XXXX came and towed the XXXX to a shop. Please help insurance is to high due to this lie.
Product: Debt collection

The only communication received from the debt collector was repeated texts that contained no info beyond the debt collector name ( Sunrise ) and a link to a website and a phone number. The phone number did not match any found online for the company so this very much seemed like a scam. ABSOLUTELY NO OTHER METHOD OF CONTACT WAS USED AND NO OTHER INFORMATION WAS GIVEN. We finally called the number we found on XXXX to see if it was legit, they gave us the information. It was a small debt with a company we had leased a modem from claiming we didn't return their equipment ( we did ). We had already contacted said company after they made the initial claim to us and they said it would be resolved. That was the last we heard until these texts. On the phone with the debt collector, we informed them that we would attempt to find our records showing the resolution. We were immediately threatened with our credit being damaged and told we had no time to gather this info and that our only option was to pay immediately. As we attempted to talk with them we were constantly interrupted and talked over especially after being informed that threatening our credit was a violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I decided I wanted to buy a home. I went to a place called in affordable housing. At in affordable housing they started off by asking what my credit score was and I had no idea at the time. They recommended I got my credit report pulled and we go from there. As we reviewed my report, I notice a numerous of things that were not mine. Can you please remove these items from my report. 

XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : TEXAS XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Equifax XXXX a late payment reported by TEXAS XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made On Time : I made the payment for XX/XX/XXXX on time. I have provided bank statements and payment confirmation receipts showing that the payment was processed before the due date, but the late payment was inaccurately recorded. 
Clerical Error at TEXAS XXXX XXXX : After reviewing the account, it became evident that the late payment was a result of a clerical mistake on the part of TEXAS XXXX XXXX. The payment was mistakenly applied late despite being made on time. I contacted customer service, and they confirmed the error. I have attached email correspondence from TEXAS XXXX XXXX confirming this issue. 
Account Closure : The account was fully paid off and closed as of XX/XX/XXXX, and no further activity or payments should have been reported after that date. The presence of a late payment in XX/XX/XXXX is not only inaccurate but also impossible given the account 's closure status. I have attached the account closure statement from TEXAS XXXX XXXX as evidence. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I have been monitoring my credit for a while now. Some time ago, I noticed a collection regarding XXXX XXXX ( then reported by a debt collector called XX/XX/XXXX ) that was reported as owed by me, in error. I disputed it as such and it was deleted. 
Now, I come to see that in XX/XX/2018, AFNI started reporting the same debt ( still shouldnt exist ) for XXXX XXXX. What is the point of working to get erroneous collections removed if new companies are just going to start reporting them the second another is fixed? If it wasnt legitimate then, it isnt legitimate now. I did explain this in a dispute to AFNI via XXXX ; AFNI apparently verified their information reported to XX/XX/XXXX was accurate. I do not see the account as even so much as being reported disputed by AFNI. I have made two other disputes without any result.
Product: Debt collection

In XXXX, 2023 I got a Collection record from " First Credit Services '' in the amount of {$540.00} for a gym membership I never attended or signed up for. My credit report doesn't even state the original creditor 's name, nor the account number, had to investigate myself. I have reached out to the company, but was told that it was passed on to the collection agency and they " can't do anything about it ''. Filed disputes with credit reporting agencies with no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 {$67.00} Assest Care LLC XX/XX/2019 {$120.00} Assest Care LLC XX/XX/2019 {$170.00} Assest Care LLC XX/XX/2019 {$77.00} Capio Partners XX/XX/2019 {$470.00} Capio Partners XX/XX/2019 {$110.00} Capio Partners they these charges on my on my credit reportold debt tried to call Assesst Care LLC and Capio Partners they will not give me any information on these debtsThis debt fell off and they made multiple robo calls hanging up on me prior to entering it after multiple calls to me hanging up
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to the inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, the dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is refusing to do a method of verification for my dispute.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case!

LIST OF ACCOUNTS BEING CHALLENGED ; 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
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX XXXX XXXX Balance : {$34000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$42000.00} ; XXXX Balance : {$42000.00} ; XXXX XXXXXXXX Balance : {$34000.00}.
Product: Money transfer, virtual currency, or money service

In addition to the claim already submitted with CFPB ( # XXXX XXXX, on XX/XX/XXXX, after the events described above, Coinbase suspended all trading on XRP as a cryptocurrency. While we understand that XXXX  has levied violations against XXXX XXXX XXXX XXXX that need to be honored, Coinbases decision to suspend trading on XRP was an arbitrary one and was not properly communicated to consumers. My wife and I both invested in XRP on XX/XX/XXXX and XXXX, at a time when Coinbase was clearly aware of the action against XXXX XXXX ( Coinbase Pro had already restricted trading of XRP as of XX/XX/XXXX ). However, we were not notified at that time of the impending suspension on Coinbases main trading platform. Therefore, in the week after our investment and prior to the freeze in trading, my wife and I would have had to pay both buy and sell fees to Coinbase to recover our investment. 

Coinbases freeze on trading for XXXX has now been in place for almost six months, and we have received no communication from Coinbase as to when this restriction will be lifted ( if ever ). As a result of Coinbases intentional fraud against their consumers to maximize their profits through fees, etc., my wife and I have been unable to sell or trade our investment in XRP to this date which has cost us and has benefited Coinbase. 

My wife and I have detailed documentation and evidence supporting the claims made above, and will be happy to provide them if needed.
Product: Credit card or prepaid card

I recently found out about a week and half after I get back from a Summer long business trip that my previous roommate or one of his constituents. Used my personal information to open four credit cards from a verity of retailers ( some I do business with ). My secondary Checking Account from XXXX XXXX was also used from my personal computer to make minimum payments and keep the accounts as long as he could. My personal documents were accessible if anyone entered my room and got on my personal computer. Everything from Copies of identifications to proof of address for my own records. I never thought anyone would do this to me so setting up a computer password was never a thought. I am a XXXX XXXX and my circle over 20 years has been honest ( Now there is a lock on my room and the suspect moved out before I could ask any questions ). Conveniently changing his number. I am a man of XXXX XXXX and dont understand how all this happened! I stand up for the right things in society. I am deeply affected and ashamed this has happened to me. I do need this resolved and pray that this never harms the XXXX!
Product: Debt collection

Ive just received my credit report and noticed unauthorized items that need to be removed
Product: Credit card

I have TJMax credit card that is serviced a company Synchrony. 
Recently they began charging XXXX for a paper statement. 
Opon calling them on this matter, the customer service advisor stated that they sent notice on previous statements. I pulled all my statements and did not see anything! 

I think because this account is used infrequently that I did not see a notice charge, as no statement would have been sent regularly. 
I did notice this month, and I called them. I had to sign up for online only statements to stop the charges. They would only refund last 2 charges.

A " Paper statement fee Opt in/out " should not be enforced because I did not respond to something I did not receive. 
There should be an " opt out or opt in " record of my choice. 
This is not the first time I have seen this on rarely used store credit cards. 

This business practice should be illegal.
Product: Debt collection

This debt was removed from my credit report a few weeks ago. It has been removed from my credit report numerous times yet they find a way to sneak it back on there. Before it was removed this last time I attempted to call and get the account figured out as they were also attempting to collect more than what the court ordered amount from the original break of lease was, I was yelled at by 2 different reps. When they called today I informed them that this debt was no longer on my credit report and to never call me again.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX U S DEPT OF EDXXXX ( Original creditor : XXXX XXXXXXXX ) XXXX Balance : {$4100.00} ; U S DEPT OF EDXXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9700.00} ; U S DEPT OF EDXXXX ( Original creditor : XXXX XXXX ) XXXX XXXX XXXX {$4100.00} XXXX U S DEPT OF EDXXXX ( Original creditor : XXXX XXXX  ) XXXX Balance : {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputed to equifax over unauthorized inquiries. These inquires were for XXXX XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. This dispute was handled they received it onXX/XX/XXXX and they sent letter that they investigated dispute on XX/XX/XXXX.I received another letter from agency dated XX/XX/XXXX for inquiries I never disputed. I will attached letter, equifax also updated negative info on my credit that has not been verified by them as a retaliation for my dispute. I know I cant dispute inquiries that are from soft pulls to credit, I never disputed inquiries from there letter dated XX/XX/XXXX. I have been a past victim of identity theft and this is very concerning that they are not handling these matters in a professional way. Someone from there office is either manipulating mail because I sent other dispute as i am noticing info that is not correct with my file. This was received by certified mail by them. This second dispute involved a creditor not inquiries.Can someone please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXXXXXX 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