23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I obtained my credit report and It shows I have a debt of {$110.00}. I had a zero balance on this card and I thought the card was closed. I called to try and dispute the debt. I got in contact with XXXX ... I just wanted the information to dispute the debt. I told him that I am recording the call also and he hung up in my face. I called back and received XXXX again to dispute the file. He said that I came to them for the card and that is the reason that I ca n't record him. I asked for his XXXX and he said no. If I did n't like the rules he can forward me to the XXXX vice president and I can complain to him. I am disputing this debt and I asked him for the information in which to dispute the debt.. He hung up in my face again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data breach victim
Product: Debt collection

During the month of XX/XX/, I attempted to go online to pull my credit report. With all 3 credit bureaus, I was informed that I was not providing enough information to verify my identity. This made me question, if there had been any identity theft issues with my credit. As a result, I ordered all three of my credit reports via mail, to submit additional information to verify my identity. Upon receipt of my credit report, I noticed accounts that were not my accounts. I never opened these accounts or gave my permission to have these accounts opened. I also noted inaccuracies with the spelling of my name and previous addresses.

PLEASE REFERENCE THE FTC IDENTITY THEFT REPORT ATTACHED dated XX/XX/2024.
Product: Student loan

In the course of my student loan, I have been making payments and I feel that the payments haven't been added to the debt, the company stated that I am delinquent over 180 and my payments are auto pay. This has had a negative impact on my credit score.
Product: Credit card or prepaid card

On XX/XX/2022 I was notified by email my credit card had been used to purchase an airline ticket through XXXX on Alaska airlines.one charge was for {$14.00} and the other was for {$310.00} I was in XXXX at the time and immediately contacted my credit card company to concerning fraud and dispute the charge and immediately canceled my credit card. I received a letter from the credit card provider on XX/XX/XXXX that they denied my claim saying it was consistent with my previous charges, which it wasn't because I never book flights through priceline.I wasn't able to contact them till I returned from XXXX XXXX XXXX.I contacted them three more times to reopen the dispute. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was never told they had still denied the claim till the XX/XX/XXXX call. They said someone would call me back which never happened. I contacted Alaska airlines revenue protection and they said the charge should have been reversed but they couldn't give me anymore information on the person who took the flight. My statement shows some information on the flight and person. I filed a report with the local police department. I haven't received it yet but have a letter from them for record request.
Product: Debt collection

I continue to get debt collection notices from CACH , LLC ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX even though I informed them repeatedly that they got the wrong person. Pursuant to my rights under federal debt collection laws, I requested in a certified letter that CACH , LLC cease and desist indicating " The debt is not mine and I do not want you to contact me again. '' They received letter on XXXX XXXX, 2015. On XXXX XXXX, 2015 I received another letter from them asking for monies. I want them to cease and decease letters and phone calls to my residence.
Product: Mortgage

After having an emergency surgery over the summer I fell behind a house payment. I contacted the holder of the account ( XXXX XXXX XXXX ) and worked with the very helpful and friendly people there to get on a repayment plan to get me caught up and current on the loan by XXXX XXXX 2016. This helped tremendously, but what they did was sell my loan to Residential Credit Solutions ( RCS ). I was sent a letter stating that all payments after the XXXX of XXXX would have to be made to RCS. Now it is the XXXX and RCS is unable to locate my information and XXXX XXXX XXXX can not help me as they have already transferred my information to RCS. I was able to speak to an actual person at RCS by calling the loan application department and not through the endless loop of the customer service number. XXXX attempted to contact them with the number they supplied and said they were not able to contact a person. ( XXXX ). According to their website, a payment is late and will be sent to the credit agency 's if it is not received, the person I spoke with on the phone said, " just relax until Monday ( XXXX ) it will be fine ''. I am not feeling fine, he did not want to give me his name, did not want to transfer to the proper department and said this happens all the time. I am truly concerned that the agreement I had with XXXX is danger of not being honored and that RCS inability to locate the information that was transferred to them on XXXX ( according to XXXX ) in going to place me in a situation causing my repayment plan not to be honored and keep me from making payment on my home.
Product: Debt collection

I am writing to file a formal complaint against CREDIT COLLECTION SERVICES ( CCS COLLECTIONS ) regarding their blatant refusal to provide proof and validation information regarding a debt they claim I owe. Despite multiple requests made in accordance with the Fair Debt Collection Practices Act ( FDCPA ), CREDIT COLLECTION SERVICES ( CCS COLLECTIONS ) has continuously failed to furnish the necessary documentation to validate the legitimacy of the debt. This refusal to comply with federal regulations has caused me undue stress and uncertainty regarding my financial obligations. Without proper validation, I am unable to verify the accuracy of the debt or assess my options for resolution. Furthermore, CREDIT COLLECTION SERVICES 's ( CCS COLLECTIONS ) non-compliance with the FDCPA reflects a pattern of unethical behavior that undermines consumer rights and protections. I urge the CFPB to investigate this matter thoroughly and take appropriate action against CREDIT COLLECTION SERVICES ( CCS COLLECTIONS ) for their failure to adhere to federal debt collection laws. I also request assistance in obtaining the necessary validation information to resolve this issue expediently and fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complain XXXX XXXX XXXX XXXX, XXXX of legal age, with email XXXX, and in my capacity as owner of the policy XXXX with an effective date of XX/XX/2019, as I certify with the document attached to this email, I respectfully appear to expose : That I have come to file a complaint against the company XXXX XXXX investments, XXXX XXXX with address at XXXX XXXX XXXX, XXXX XXXX TX XXXX E.U.A. 

That on XX/XX/2019, the undersigned carry out a contract called offset transaction, which had the objective of terminating the contractual rental relationship with reference XXXX, which I attached to this document in format pdf in order to prove my saying. 
From said contract at the point indicated with number 4, a policy that they would have to pay emerges which has as data the policy XXXX, single folio XXXX, document series XXXX, with settlement date XXXX, for an amount of {$7600.00} USD, and which covers the amount of {$310000.00} USD.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Fraudulent Accounts Due to Identity Theft ( FCRA 605B ) Dear XXXX XXXX Department, My name is XXXX XXXX, and I am formally requesting that XXXX XXXX and remove fraudulent, inaccurate, and false information from my consumer credit report in accordance with Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). This request is due to identity theft and fraud, which have resulted in serious inaccuracies in my credit report. 

The fraudulent accounts and inquiries that must be removed from my credit file are : 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 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 Balance : {$500.00} These accounts and inquiries were not authorized, opened, or made by me. They are fraudulent and were initiated by an identity thief. I have attached a copy of the FTC Identity Theft Criminal Complaint ( # XXXX ] ) as evidence of the fraud. 

These fraudulent accounts have resulted in inaccurate negative information on my credit report, leading to financial and reputational harm. As per FCRA 605B, XXXX is required to block and remove this information within four ( 4 ) business days of receipt of this request.

To support my claim, I have also included additional supporting documentation verifying that these accounts and inquiries are the result of identity theft. Therefore, I am requesting the following actions : Immediate removal of all fraudulent accounts from my credit report.

Blocking of any associated inquiries or collection activities tied to these fraudulent accounts. 

If this request is not completed in compliance with FCRA regulations, I will be left with no choice but to pursue legal action, including seeking statutory damages and recovery of costs under the FCRA. 

Please confirm receipt of this dispute and provide me with a timeline for resolution. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally pulled credit reportXX/XX/18 through Equifax and told the dealership there was a fraud alert on the credit report and could not proceed. I verified with Equifax there was no fraud alert.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Accounts appearing on credit repair. 


1. XXXX XXXX {$1000.00} 2. XXXX XXXX {$2200.00} 3. XXXX XXXX {$16000.00}
Product: Credit reporting or other personal consumer reports

These Hard Inquiries dont belong to me, Hasnt being authorized by me and has to be removed. also this as well. thanks 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 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 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 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: Checking or savings account

I was trying to fix my account yesterday by putting some cash in the bank and paying back PayPal, I had XXXX dollars i owed to PayPal and about XXXX for my bank, I fixed my banking issue and gave PayPal a little over XXXX using the cash pay system for certain stores, I pay off both, go home, hoping the problem is over, check my account today and my bank has charged me XXXX dollars in overdraft fees, PayPal charged me again for the XXXX dollar fee, putting my account back into the negative and that made my bank charge me XXXX dollars again. They did however left me the other XXXX from when I paid them off using XXXX but that does not change the fact that my account is negative XXXX atm. I went on the messaging system, was meet with the automated message saying they are reviewing my message.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 that 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I sent a certified letter to Equifax requesting validation of an account they are reporting under XXXX XXXX including copies of my signature and if they could not provide said documents to delete the account. On XX/XX/2019, they sent a response saying the account was verified as accurate but failed to provide the requested documents or place dispute remarks as required by federal and state reporting laws. On XX/XX/2019, I sent a follow-up letter once again requesting said documents and requesting a description of the procedure used to determine the accuracy within 15 days and asking for the names and phone numbers of the people they spoke with to verify the account. On XX/XX/2019, they responded with a simple " the account has been verified as accurate '' and again provided NO documents that were requested and have again failed to place the dispute remarks on the account. Due to their repeated failure to comply with federal and state reporting laws, the account must be deleted.
Product: Mortgage

In the early part of XX/XX/XXXX we changed insurance companies because we got a better rate by combining our homeowners with our auto insurance. We prepaid the premium, cancelled our old insurance and notified Loancare. We asked them to remove the old insurance from our mortgage escrow payment since we now pay it directly from our bank account and sent them proof of coverage. They refused to accept our mortgage payment unless we also included our old insurance premium even though they have the verification of coverage from our new insurance. We are currently a month behind in our mortgage because of their refusal to follow through. We have repeatedly called with no results. We were told a supervisor was not available but we would be called back. We have not been contacted but have been told several times that our problem was being reviewed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time reporting Experian. Experian removed the false information, then at the request of XXXX XXXX XXXX put it back on my credit profile. I am unable to file another dispute with Experian so I am submitting a complaint here.
Product: Credit card

Today, an angry woman called me from XXXX, so to speak, with a voice. And I reported that some papers about my case XXXX. 

My XXXX and XXXX cards are in excellent condition. Well, I told them that which documents were verified, which were not, in a rude voice, she informed us that we did not need documents, I'm sorry what? You just said that you can send by email. She said XXXX then no. I asked if I could send a number of other documents. She said yes, you can, I asked her if they still need the documents. She said that we can't identify them. What kind of documents? 
The most important thing, I think, is payments from a savings account. I sent them an incorrect identification, only one document confirming the payment XX/XX/XXXX XX/XX/XXXX ACH Withdrawal CAPITAL ONE MOBILE XXXX XXXX it was in one statement. but I still have to provide a payment statement for the 2 payments that I will receive. And I will provide them, but you can also assume that these payments are capable. They would have returned as well as 1 payment. I know I don't understand them. Why should I always submit documents this way and wait 7-10. This has already happened to me 7 times or more. Just a text message is whether you are making a purchase or not. I even always overpay them. I do not know what my chance is to use the cards again, but I think 100 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a identity theft, report # XXXX and did a certified mailing to XXXX, Equifax and XXXX. The following items are still showing on my credit report : XXXX XXXX, for {$15000.00} XXXX ( auto loan ) and XXXX XXXX for $ XXXX/XXXX  balance ( credit card ). I also have hard inquires remaining on my credit report. Originally there was 31 inquires and now 9 still remain. ( which are not my inquires and are unauthorized, either verbally or in writing. These inquires are as follows : XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX  and ( 2 )  XXXX XXXX. 

The FCRA, clearly states that, if I am a victim of identity theft and file the proper report and submit the documentation to the credit ( which I filed the report on a Federal level and will attach a copy of the certified report ). 

The credit bureaus have 5 business days to remove these items, from my credit file, per the FCRA and it has been two months and the credit bureaus have yet to remove these items as well as these unauthorized inquires. I have submitted two identity theft report, with various items as the items became known to me and have yet to have these last items addressed. I have been shopping for a home and these items are causing me financial harm, as I am unable to receive a home loan as long as these items remain on m, y credit report. 

In addition, I have a credit account from XXXX XXXX XXXX, which was reported to XXXX and as of this date, They have yet to reflect the credit account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act these Accounts have violated my rights. 

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 a account without my written instructions 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

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, NV XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX  XXXX ) XXXX XXXX : {$78.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX  XXXX Balance : {$25000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120000.00} XXXX, XXXX XXXX/XXXX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX