23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a call from a young man on XX/XX/XXXX around XXXX telling me he had legal documents to deliver to me. I explained I was driving and asked for a number to contact them at. I asked that he call me back and leave the info on my voicemail which he did. Was provided XXXX and a File #. 

Called them XX/XX/XXXX @ XXXX CDT and asked who they were. I was transferred several times and then told they did not have to give me any information at which time the lady started calling me a loser and began berating me. She hung up. I called back and was again berated by the same young lady who would not provide me with any information and told me my case was turned over to the IRS and that now I was really going to have problems. Referred to me as a loser every time she addressed me. I explained that I needed to know what the call was about and she said Chase bank. I explained my last dealings with them was quite long ago and that it was likely out-of-date. she said no and they were going to sue me but would not provide any info as to who they were. Called them 10 times and they would not talk to me or give me any info just continued to berate me. I have no names because they would not provide any. They must know when I call because now it goes straight to the voicemail. 

They know we ca n't afford lawyers.
Product: Debt collection

Shreveport cash on XXXX XXXX called my reference or my friend/co-worker aunt who was not listed as my reference, because they had the wrong number for my friend on XX/XX/XXXX they called a XXXX XXXX the AUNT of my coworker and a friend of the women who help assist with the loan the loan agency Shreveport cash then told the 3rd party person or my co-worker aunt again not a official reference I put down that I was defaulting on a loan.. the agent of Shreveport cash gossiped and said things that were personal and or embarrassing I dont know my friends aunt like that and my personal business was told to that 3rd party person without my consent
Product: Debt collection

I received a credit monitoring alert via XXXX XXXX regarding a Collection Account that was placed on my credit reports by SEQUIUM ASSET SOLUTIONS. I immediately researched this name and contacted the company by phone. They told me that this was placed with them for collection by XXXX XXXX for a XXXX   XXXX bill. Their representative told me that they've had the account placed with them since XX/XX/2019 and that the address on the account was someplace in New York. She also said it looked like a pretty obvious case of identity theft. 

She gave me a URL to follow in order to file an identity theft claim with XXXX XXXX. When I reviewed the materials after hanging up I discovered that they want me to prepare a notarized statement and file a police report with my local police department. I am not going to do this. These requirements are onerous, punitive and frankly ridiculous. Local law enforcement has no jurisdiction over, nor interest in an act of consumer fraud committed in New York. Their resources should not be diverted away from protecting the local community just so the idiots at XXXX and Sequium can have a piece of paper to cover their mistakes. 

I am a victim of XXXX XXXX poor account verification procedures and of Sequium 's  violation of the Fair Debt Collection Practices Act. Both parties should be severely penalized for what I consider to be gross corporate misconduct. 

I have resided at the same address in South Florida for 25 years. If XXXX XXXX ( whoever THEY are ) performed even the most cursory review before opening this account, they would have known that this wasn't me. Had Sequium Asset Solutions done the same upon receiving the account they would also have known immediately that this is not my debt. They did NOT contact me to verify the debt as required by law. I contacted them when I learned about the reporting. Instead, they maliciously reported negative information causing severe damage to my financial standing via a XXXX point drop in my credit score. In 60 years I have never had a single late payment, much less a default, so I do not take this lightly. 



Thank You.
Product: Credit card or prepaid card

I received an alert about a fraudulent attempt to open a credit card in my name. 

The credit card was an XXXX XXXX XXXX opened through Bank of America. The attempt was made on XX/XX/XXXX. 

Due to a fraudulent attempt to claim unemployment under my name in XXXX, I had already taken steps to freeze my credit, but I want to escalate this crime nonetheless. Whoever did this has my Social Security number which is frightening. 

I contacted Bank of America to make sure to cancel the application and flag the attempt as fraud. I also learned the application was made from the following address : XXXX XXXX XXXX XXXX XXXX, OH XXXX Please investigate this and shut this down.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Santander personal loan is showing I have an outstanding balance of {$1000.00} And my account has been current for the past 2 months
Product: Credit reporting or other personal consumer reports

I submitted a fraud block request under FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) on XX/XX/XXXX, with Complaint # XXXX which requires the removal of identified fraudulent items from my credit report within four days ; however, Factor Trust has failed to comply within the required timeframe. It has now been over thirty days, and the following fraudulent accounts, addresses, emails, and phone numbers remain on my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and phone number ( ( ) XXXX ). Factor Trusts failure to comply with FCRA 605B is a direct violation of my consumer rights, and I am formally requesting the immediate deletion and blocking of these items as required by law.
Product: Debt collection

I contacted the company on XX/XX/XXXX. I was told by the debt collections service that they would mail be out an application to fill out about the issue of identify theft. 
When I asked if they could explain the process or provide any further info, the person remarked that it would all be explained in the application they would mail me. 
I called the local police to report this in XXXX XXXX XXXX, FL for my zip code XXXX. 
They advised me to file a report with the FBI due to the fact that it is a XXXX crime and also due to that large amount, I filed a complaint also with the XXXX Complaint Referral Form on XX/XX/XXXX at XXXX. I am waiting to hear back, hoping that they will contact me. 

I already have an electronic block on my social security number. Also, I have a freeze and an identity theft alert on my experian, XXXX and XXXX accounts. 
I reported a previous incident that happened on XX/XX/XXXX with case number XXXX. They were able to identify that incident as identify theft. 

However, this is now happening again and I would like to see what else can be done to prevent it. These are 2 charges of identity theft that have now be placed on my credit report. 
XXXX XXXX XXXX XXXX  XXXX Account Information Address XXXX XXXX XXXX XXXX, WA XXXX Phone XXXX XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY XX/XX/XXXX, XXXX PM View Credit Report | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$13000.00} Date Updated XX/XX/XXXX High Balance {$13000.00} Original Creditor XXXX XXXX  XXXX XXXX  XXXX XXXX  Past Due {$13000.00} Pay Status >Collection< Estimated month and year this item will be removed XXXX/XXXX Remarks >PLACED FOR COLLECTION< XXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX WA XXXX Phone ( XXXX ) XXXX Date XXXX XX/XX/XXXX XXXX Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Balance {$3100.00} Date Updated XX/XX/XXXX High Balance {$3100.00} Original Creditor XXXX XXXX XXXX  Past Due {$3100.00} Pay Status >Collection< Estimated month and year this item will be removed XXXX/XXXX XX/XX/XXXX, XXXX PM View Credit Report | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Remarks >PLACED FOR COLLECTION<
Product: Credit reporting or other personal consumer reports

Payday loan taken in XXXX and repaid over double amount borrowed. Interest rates does not comply with laws of Virginia. 

https : //law.lis.virginia.gov/vacode/title6.2/chapter3/section6.2-312.

The state of Virgina caps interest rates on lines of credit at 36 %. Payday lender sold account to collection agency - National Credit Adjusters which has reported the debt to all XXXX credit bureaus since XX/XX/XXXX. I have reached out to both companies requesting my initial contract and payment history and have not received it. I explained that because the loan was predatory and now unlawful, it should not be reported on my credit reports. I still have not received any responses but was sent a settlement offer decreasing the {$1300.00} to {$1000.00}. I declined the offer and asked for my contract and payment history.
Product: Credit reporting, credit repair services, 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 U.S.C. 1681 15 U.S.C. 1681 section 604A 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 15 U.S.C . 1681 section 602 A states I have the Privacy 15 U.S.C. 1681 section 604 A section 2 It also states a consumer reporting containing any of the following Items of information any other adverse item of Information other then records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 s-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 resonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have provided the required documentation, including a letter from an advocacy group assisting me due to human trafficking debt bondage, which falls under trafficking as defined by the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ).

I respectfully request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act. As a victim of human trafficking through debt bondage, I request the removal of all related items and the deletion of associated company information from TransUnion. 

Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX AV XXXX XXXX, NY XXXX XXXX XXXX Balance : {$3500.00} XXXX OF XXXX XXXX Balance : {$5300.00} XXXX OF XXXX XXXX Balance : {$1900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$6100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$7200.00} XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX ) Date Opened : XX/XX/year> XXXX Balance : {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$6500.00}.
Product: Credit reporting or other personal consumer reports

XX/XX/ Dear CFPB, This letter is my fifth formal request regarding the inaccurate information on my credit report for an auto loan account with XXXX XXXX XXXX ( account number ending in XXXX ). Equifax has now had over 145 days to investigate and correct these errors, yet the inaccuracies remain. This delay impacts my creditworthiness and suggests violations of federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and related U.S. Code sections.

Disputed Items and Errors : 1. Inconsistent Delinquency History : The reported payment history contains missing or inconsistent delinquency markers, such as the unexplained R marker in XX/XX/2XXXX This inconsistent information violates the FCRA 's requirement for accurate and fair reporting. 


2. Inaccurate Account Status Reporting : The account is marked as Involuntary Repossession without specific repossession dates or an updated balance, despite any payments made after XXXX XXXX This reporting contradicts the FCRAs standards for completeness.

3. Prolonged Delay in Compliance : Equifaxs delay in correcting these errors over the past 145 days suggests a disregard for federal reporting requirements, causing undue harm to me as a consumer. Equifaxs continued inaction violates multiple sections of the FCRA.

Potential U.S. Code Violations : 15 U.S. Code 1681e ( b ) Accuracy of Reported Information : Under this section, Equifax is required to follow reasonable procedures to ensure the accuracy of information in consumer reports. The multiple inaccuracies and inconsistent reporting patterns suggest a failure to uphold this obligation. 

15 U.S. Code 1681i ( a ) ( 1 ) Requirement to Reinvestigate Disputed Information : This section requires credit reporting agencies to conduct a timely and reasonable reinvestigation of disputed information. The 145-day delay in correcting this account violates this statutory requirement.

15 U.S. Code 1681c ( a ) ( 4 ) Obsolescence and Accurate Reporting : This section mandates that information should be accurate and up-to-date. Missing dates, unexplained delinquency markers, and inconsistent balance information suggest a failure to comply with accurate reporting standards. 


It appears Equifax does not feel obligated to adhere to FCRA regulations, which mandate timely, complete, and accurate reporting. Additionally, the Consumer Financial Protection Bureau ( CFPB ) has not enforced these standards, leaving consumers like myself to suffer prolonged harm from unresolved credit report errors. 

I am therefore demanding that Equifax : Conduct an immediate, thorough investigation to verify each element of this account with XXXX XXXX XXXX. 

Remove all inaccurate information regarding this account. 

Provide written confirmation of the corrections once completed. 


Thank you for your attention to this matter. I expect a prompt response outlining the actions taken to resolve these inaccuracies. Please keep me informed throughout the investigation and confirm any updates made to my credit file. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX MEDICAL DATA SYSTEMS I ) at ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ) has been sending me collection notices in the amount of ( {$790.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Money transfer, virtual currency, or money service

I had money transfered on Zelle and I was not able to get it back and I also have been charged for using this service. The last Zelle was in XX/XX/XXXXXX/XX/XXXXfor XXXX the person only got XXXX but XXXX was taken from my account.
Product: Checking or savings account

On XX/XX/XXXX the XXXX  Unemployment Commission direct deposited {$1100.00} dollar to my Capital One account. They have sent me Deposit Transition number and deposit records on there letter head. I have received the payments for the week XXXX XXXX XXXX  so they have the correct banking information. I have called the call center overseas at least a dozen times. Talked to a local bank manager. Sent emails to 2 different emails. I have had no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX unauthorized credit inquires on the report. 
My information was compromised from XXXX  data hack my information was compromised and used my identity. 

Company was notified by mail but refuses to remove them from XXXX credit report. 
XXXX  refuses to remove them also
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Experian and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, Experian and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Experian and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 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. 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. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. & 16811 ), I am practicing my right to challenge questionable information that I have found on my personal credit report. Moreover, I also request you investigate the source of these accounts and ascertain that the creditor had a permissible purpose and can verify my complete file information including my full legal name, current address, date of birth and full social security The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have applied for Wells Fargo XXXX and I was told by a rep, that each point I earn on the card I would be able to redeem for XXXX cents per point. When I log in into my account I see only redemption for XXXX cents. i called numerous times about it, but every time I 'm told bank is looking into it and they have created case # XXXX. No other updates at all.
Product: Checking or savings account

I closed my account on XXXX and was assured that no transactions would allow the account to reopen. I specifically asked about ACH transactions and they reassured me that no attempted transaction would reopen the account. However, on XXXX an attempted ACH transaction from the previous co-account holder was issued and caused the account to go negative in the amount of {$450.00}. As the previous co-account holder can not be contacted, I called the fraud department and asked that they reverse the transaction and reclose the account. They initially agree but then retracted stating that there was nothing they could do about an ACH, contrary to what I was told when I closed the account.