23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XX/XX/2019 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Debt collection

I have recently been dealing with a company that collects for LVNV. This process has gone on for months. I have sent letters and letters for validation. After meeting with the plaintiffs attorney we set a court appearance For the trial The trial was set for XX/XX/2023 at XXXX XXXX. The plaintiffs attorney said they had mailed out for a change in the date I never received in mail the notice of change of date. The new date was set for the XXXX of XX/XX/2023. On that date the clerk of the court called and said we missed the date. At that point we told her we were ready for the XXXX of XXXX. I immediately sent a letter to the judge with no response. The amount due on the claim was {$1400.00}. While this claim was being validated they continued to try and collect. The next time they send a notice to pay the amount went up to {$150000.00}. I could not get an answer to why. 
Since we did not show on the new date a judgement was ordered. I firmly believe this action violated my 14th amendment for due cause. I should have been given the right to defend myself. I recently wrote to the judge referring my 14th amendment rights were violated. I have requested that the judgement be reversed. So now I am sending an affidavit to the court and a letter explaining the circumstance. While this is going on I receive a letter from Resurgent that they can't validate my claim. So now I have a judgement for something I don't owe. 
Resurgent, LVNV and the plaintiffs attorney are discussing and probably knew that all along. They most likely did not present it to the judge
Product: Debt collection

I have tried multiple times to have this collection removed from my account as it has been settled and paid with the creditor. 

Under the FCRA Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

This is inaccurate reporting and thus needs to be removed from all credit reporting agencies, XXXX, XXXX and XXXX
Product: Debt collection

Received a notice from my new monitoring service regarding an account from CREDIT MANAGEMENT LP from date XX/XX/2018 in regards to a fraudulent debt that does not belong to me. I am a victim of identity theft in which this account is a fruadulant account that has been reported to the FTC reporting a debt of {$370.00} I have attached a copy of the FTC report to identify this fruadulant account to have this removed from my file asap.
Product: Debt collection

I sent in paperwork they requested to resolve the issue but they are still contacting me with threats to take the issue to court.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed XXXX  inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

I have called Key Bank weekly and most recently daily to get a breakdown as to the balance of the past 3 statements. Every rep I speak to gives me a different amount or can't explain why the balance is what it is. Also went into bank to make account current XX/XX/XXXX and was given the assurance this was correct. Not so I guess. Received a few more statements with different balances ad again no one can explain why, and gave different amount other than statement amount Also made a pmt of {$360.00} received and recorded XX/XX/XXXX verified by " XXXX '' wich is now not showing as of XX/XX/XXXX Where did it go??? Really at my witts end with this. Need answers! Not making ay progress with the Key Bank. Last call made today XX/XX/XXXX with 1 hour and 45 min of being transferred and then disconnected by a supervisor who actually called back, but didn't leave an extension which put me back at square one. This is not acceptable! Also two 2 appraisals done one on XX/XX/XXXX and another XXXX for {$220.00} each along with 8 ( yes 8 ) inspection fees to the tune of {$14.00} each. No explanation of these could be given. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute twice with XXXX and Experian about them unlawfully reporting State of Ct Dept of Soc Svcs child support on my credit report without my consent and each time I disputed it, it came back accurate. My latest dispute was XX/XX/2023. 
I have not given you written permission to put anything on my consumer report 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.

You have no permissible purpose by law to contact third parties with my private or personal information. I demand this account be deleted immediately off of my credit report.
Product: Vehicle loan or lease

On XX/XX/2023 at XXXXXXXX XXXX I called Time Finance Company to return a miss call. I had a voicemail to call back XXXX which I did but since she was assisting another caller someone else answered and from the beginning was very rude. She asked if I was calling to make a payment I stated that I was calling regarding a XXXX call and to know what its about. She said to pay if I'm going to pay I owe {$710.00}. I asked if I may have a summary emailed to me because I wish to know where this extra charge is from, she refused and said why do I want that info I just have to pay. 

As a customer I believe we have that right to know where our money is going, what the balance of my loan is, especially if there is un known charges. 

I proceeded to inform her back in XXXX I made a bigger payment due to being behind, I stated the quantity, she got an attitude and getting smart yelling you were behind 3 months what did you expect. I agreed yes due to hardships I was and that's what the big payment was 3 months worth of payment so where is the {$710.00} from? She still didn't wish to answer my question just kept repeating if I am going to pay. 

That's when I started recording and informed I was recording the call she got angry, real defensive started yelling I don't have the right to record her I responded with just like they don't have the right to contact people I never had put as reference and have a restraining order against. She just kept yelling I don't have the right to record her said she no longer will speak with me I can call back and speak to a supervisor. 



All this over me asking where is the {$710.00} charge is and if they can email me a summary of my payments, interest rate, pay off balance? I would have never thought it would be a crime to ask for any of this information. If you go to XXXX reviews for Time Finance its the same story with other customers speaking how rude they can get that's why I rather file a complain than to call and speak to someone else who will probably give the same attitude or worse without answering my question.
Product: Money transfer, virtual currency, or money service

Reference previous complaint XXXX where your company did an investigation and said to me it is ok to open a New online account. Well again I spent half the day trying to use my new online account only to be told I could not use it. I spoke with supervisors even sent them your letter saying to open a new account. Very rude and was told if I did not like it to make another complaint. Makes me wonder if you said to open a new online account so CFPB would close my complaint? 

STATUS Company responded on XX/XX/2023 RESPONSE TYPE Closed with explanation Company 's Response XX/XX/2023 CFPB Case Number XXXX MoneyGram Number XXXX Dear XXXX XXXX XXXX MoneyGram has completed the review of your case submitted to the Consumer Financial Protection Bureaus online portal on XX/XX/2023. In the CFPBs Complaint Portal, you indicated that your online account had been closed and requested that it be re-opened. Please be advised that, in order to protect the safety of our customers and ensure compliance with all requirements, MoneyGram actively reviews online profiles and will, from time to time, put restrictions in place to safeguard consumers. We are sorry for any inconvenience that may have been caused due to this occurrence. After investigation, we would like to advise you to create a new online profile in order to continue sending transactions. Please contact us if you encounter any issues when sending using the new account. If you have any questions, you may contact us directly by e-mailing us at XXXX or calling us at XXXX. To assist us in addressing your inquiries efficiently and promptly, please reference case number XXXX in any future correspondence. Sincerely, MoneyGram International Resolution Assurance Department
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent over to Transunion the letter response from the actual company and they have yet to respond. The letters I mailed were XX/XX/2022. We are now in the month of XXXX and still no response. 

15 USC 1881i ( a ) ( XXXX ) ( a ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The dispute were for accounts XXXX XXXX XXXX ; XXXX XXXX ; XXXX & XXXX XXXX XXXX ; XXXX & XXXX XXXX XXXX. 

XXXX XXXX ; XXXX & XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX violated several laws, and XXXX XXXX were told to provide several things notated in the letter attached. I also notified Transunion XXXX Disputes with this information as well. I have yet to receive proper reponse. It is past their 30 days to respond and now I am bringing this dispute to CFPB. 


I the consumer demand these accounts to be deleted immediately from my credit profile. XXXX XXXX XXXX ; XXXX XXXX ; XXXX & XXXX XXXX XXXX ; XXXX & XXXX XXXX XXXX Please view the attached documents that shows my proof of contact and responses from other credit reporting agencies as well as the letters I sent to Transunion.
Product: Debt collection

I received a credit fil alert that I have a new collection on XX/XX/18. It was for {$410.00} from a company called security credit services. Last year I went to XXXX and purchased a kayak through a program called why not lease it. I paid for the kayak completely then I started getting emails from them saying if I wanted to keep the kayak I had to pay a one time fee of {$150.00} or return the item. I told them to pick up the item time went by and they never picked up the kayak. I called them they said they dont recover kayaks. I said then what do I do with the kayak there response was I do know. 6 months went by and I havent heard from them until I get the collection on my credit report. My score before yesterday was high 700 my score has since dropped 45 points. The companies involved are why not lease it and security credit services there contact number is XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX PayPal limited my account with XXXX in the account the limitation end date was a 180 days which was up XX/XX/XXXX of XXXX I have yet to receive any email to withdrawal funds and was told a ticket has been submitted which was 3weeks ago and funds are still being help PayPal agreement states after 180 days funds will be released yet my funds are still being held.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I received an email from Coinbase Inc. that I needed to verify my identity on their website. I immediately followed the instructions and completed the verification successfully. Soon after I received an email also confirming that the verification was completed and I could use my account to invest. However, after logging in, my account was still blocked from making any transactions. I submitted a ticket and followed up twice on the status but after an entire day, I still haven't received a response. There is also no phone number you can call and speak to a representative. The only means of contact is email. Without any explanation my account has been blocked and I can not trade or withdraw my assets. The lack of responsiveness is also unacceptable.
Product: Credit reporting or other personal consumer reports

I am disputing a credit account that appears on my credit report, and that has charges associated with it. The account was opened in my name with XXXX XXXX  and the account number is XXXX. However, the charges are linked to an address that I have never lived at or used. The address listed on the statement is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never lived at this address, nor have I authorized any activity related to this account. I believe this may be a case of fraud or an error in the records. The charges on the statement do not belong to me, and I do not recognize any of the transactions listed on this account.

I have already reported this issue as identity theft on the IdentityTheft.gov website.

I have attached the following documents as support : 1.PDF of the identity theft report from IdentityTheft.gov.

2.Statement with the incorrect address.

3.Credit report showing the disputed account.

4.Utility bill or lease agreement with my correct address.
Product: Debt collection

I am writing to seek your assistance in addressing a concerning issue related to identity theft and erroneous debt reporting by the National Credit System. On XX/XX/year>, my vehicle was unlawfully broken into, resulting in the theft of my purse, which contained sensitive personal information. Subsequently, I became a victim of identity theft, with unauthorized individuals misusing my personal data for fraudulent activities.

Recently, I discovered that the National Credit System has reported that I owe them for XXXX apartment rentals totaling {$4800.00}. However, I have never rented any apartments nor incurred such debt. It has become apparent that these fraudulent accounts have been opened in my name by the perpetrators of the identity theft. 

Despite my repeated attempts to dispute these claims and provide evidence of the identity theft, the National Credit System has failed to rectify the situation, causing undue distress and financial harm. I have diligently followed the prescribed procedures for disputing fraudulent accounts, including submitting identity theft affidavits and supporting documentation, yet the erroneous debts remain on my credit report.

This wrongful reporting by the National Credit System is not only damaging my credit standing but also impeding my ability to secure loans, housing, and employment opportunities. The gravity of this situation can not be overstated, and I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) to request your intervention in resolving this matter swiftly and justly.

I have enclosed copies of relevant documents, including police reports, identity theft affidavits, and correspondence with the National Credit System, to support my claim. I am fully committed to cooperating with any investigation or inquiry conducted by the CFPB to bring about a resolution.

Your urgent attention to this matter would be greatly appreciated. Please do not hesitate to contact me if further information is required. 

Thank you for your understanding and assistance in this challenging ordeal.
Product: Credit card or prepaid card

a best buy credit card through Citibank has my name associated with it. this is fraud as I know nothing about the account other than it is on my credit report. best buy says they can do nothing, Citibank demands I verify an account I know nothing about other than someone added my name to it. I am not the primary or the secondary account holder I am somehow associated with this account as it is on my credit report overdrawn and whomever owns it has stopped paying on it. I initiated investigations with XXXX  but they alos have done nothing other than verify said account exists. again this is fraud!
Product: Credit card

My complaint is with Barclays Bank and the RCI Elite Rewards Credit Card. On XXXX XXXX, XXXX, I phoned Barclays Cardholder Services agent to request new cards, as the expiration date on my ( two authorized ) cards was XX/XX/XXXX. New cards were received on XXXX XXXX, but the expiration date was still XX/XX/XXXX. Again, I phoned the company on XXXX XXXX. The Cardholder Services agent stated new cards would be expedited to me with valid expiration within two days. Nothing was ever received. I submitted a third request on the Barclays Bank card website. On XXXX XXXX, I logged in to my account and discovered the account had been closed with no reason. I phoned Cardholder Services on XXXX XXXX and was told by the agent and her manager that closing was by bank policy. No further explanation was provided and the manager would not allow me to speak with any higher official to obtain information about the bank policy that was violated. What is the bank policy? Am I too old? Am I too male? Am I paying on-time too frequently? Is the bank policy that I am a member of the wrong political party? Why is the bank discriminating against me after sixteen years of responsible card use, payment, and communication?
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX XXXXXXXX XXXX Opened XXXX. {$120.00} XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit score was impacted severely from a reporting to all XXXX credit bureaus that I strongly disagree with. My score dropped by more than XXXX points which was devastating for me. I spoke to a representative with AES named XXXX XXXX on XX/XX/XXXX who advised that she did not see where my account was or should have been reported on XX/XX/XXXX. My credit report says that no payment was made for XX/XX/XXXX but that payment was made but late on XX/XX/XXXX in the amount of {$180.00} which was only 15 days late, not 30 days late. Another payment made on XX/XX/XXXX in the amount of {$190.00}. The account is currently up to date with no current payments due until XX/XX/XXXX. I requested that this derogatory information be removed from all XXXX credit bureaus so that my credit score can be restored. I just started a business and I am afraid that this reporting of 30 days late will affect my ability to obtain loans, credit cards for my business. I am the cosigner on this student loan for my daughter. She has had trouble paying this loan over the years and has always applied for forbearances and/or deferments but there are no other options available at this time to assist her with making her payments. Despite all of that, we have never been reported to the credit bureau ever before. I'd just like to be shown alittle grace and have this derogatory mark removed from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX & XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 a 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.