23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I never received written notice of the debt. The collector purchased the debt in XX/XX/XXXX and added the collection to my credit report the same month. I was XXXX  from XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX. The address they sent the notice of debt to was my fathers old address which he moved from in XXXX XXXX XXXX. I was XXXX  in the XXXX XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX when I was transferred to a XXXX  XXXX  Maryland until XX/XX/XXXX when I was XXXX. The collector is saying I received notice in XX/XX/XXXX which is impossible. Even if the notice of debt was forwarded to my fathers new address, he would not have been able to receive notice on my behalf because he never had XXXX XXXX XXXX XXXX XXXX. The address I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If the collector would have given me proper notice at any point during this time period they would have received a notice from which ever XXXX  I was in due to it being legal mail. Taking into consideration the notice of debt the collector sent is fraudulent at this point this collection needs to be removed from my credit report. The acts they are participating in and are unethical. If this collection is not removed from my report I will be filling a lawsuit. This blemish on my report caused by false information is causing me so much stress in dealing with this debt collector and also trying to get more credit and an auto loan. This collection from this collector is defamation of character and under case United States Court of Appeals, Fifth Circuit, Case No. XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX I have the grounds to proceed with this lawsuit.
Product: Checking or savings account

My debit card was fraudulently used on XXXX for an ammount totaling more then {$2000.00} I made a claim with Wells Fargo bank and they closed my claim within two days I battled a lot of hard ships because of this they told me they can not explain why
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. I have marked XXXX XXXX  and XXXX XXXX XXXX as inaccurate.
Product: Credit card or prepaid card

I disputed that the card is an unverifed account on my credit report and the company did not sending any proof or validate that the card was opened or used by me.
Product: Money transfer, virtual currency, or money service

After calling trying to freeze my account and securing my account they still haven't fixed it yet since XX/XX/XXXX I been calling them I gathered up as much screen shots I could get a hold of I honestly don't know what's going on I never received any money and me and my son 's social and out information is out there I'm in XXXX  housing trying to get a apartment and my credit is not helping I have a dead line XX/XX/2023 please help me
Product: Money transfer, virtual currency, or money service

I disputed for XXXX XXXX {$110.00} on XX/XX/XXXX, and on XX/XX/XXXX, it was denied. The dispute number is # XXXX, and I have contacted y'all to reopen the dispute to get my money back. They reopened it with the dispute id number XXXX. I contacted the business on XX/XX/XXXX, and I didn't get any response. I have contacted apple pay, and they told me to contact chime to open a dispute to get my money back, and I want my money back, and I want y'all to give me a one-time credit for my issues.
Product: Credit card or prepaid card

I have previously disputed a billing error with this account in the past referenced in complaint number XXXX, and during the investigation process I have been unable to utilize my SAMS CLUB MASTERCARD account after learning my account was closed by the creditor. From my understanding and awareness, according to 15 USC 1666 ( d ), there should be no restriction or closure on a on an disputed account. I also received correspondence that all funds were adjusted during the investigation, see attached exhibit. I have yet to receive any investigation results
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is using my identity and saying i owe the 15 USC 1692e I never signed a contract in wet ink with them, true holder must provided original instrument if indebtedness in original form, XXXX has only produced billing statement, which when original opened in XXXX  i was 19, 15 usc 1637 states, No credit card may be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of XXXX, deceptive forms ; XXXX is saying the are department of Ed, using their name on form when in fact these are 2 different businesses, there is over XXXX in alleged fees/on report over 15 years/7years limit, which hold a negative weight on my debt ratio, XXXX, XXXX, trans union are updating information without all fact/validity ; i ask that all accounts be removed because alleged contract is cancelled void null, lenders & associates must follow the law ; they have removed some accounts not all ; they are not reporting accurately to all 3 bureaus, because one inaccurate item has caused adverse action and knowingly causing harm to my livelihood, they have been reporting different information on all report i provide documents with total on all, not listing all required informations, i have lost a number of opportunities for growth because these inaccuracy
Product: Student loan

I fell behind on student loans, not because I did not want to pay, but because we could n't pay. We have finally gotten to a point where we can begin making regular monthly payments starting in less than 30 days. Unfortunately, I had XXXX private student loans that went into default at the end of XXXX of XXXX. The accounts have been sent to collections. The collections companies refuse to work with us on payments. They are requiring large amounts of money right now and threatening to ruin our credit scores if we do not comply. We are unable to comply. We have tried calling the original loan servicer to set up monthly automatic withdrawals if they will just bring our loans back out of default. They refuse. All I am asking is that they take these accounts out of default and allow us to set up payments. We are still willing to set up automatic withdrawals. We want this resolved in a way that is not catastrophic to our credit scores or our ability to provide for our family. I hope that we are able to convince the original servicers to work with us, as we are willing and now finally able to pay.
Product: Credit reporting or other personal consumer reports

I became aware of my identity being stolen when XXXX notified me via email on Monday, XX/XX/XXXX, stating that a credit inquiry had been initiated bXXXX XXXX XXXX XXXX, a financial institution I had never engaged with before. The following day, XX/XX/XXXX, I received an email from XXXX XXXX XXXX  congratulating me on the approval of a new credit card, which I had not applied for. Taking immediate action, I contacted XXXX XXXX XXXX to request the cancellation of the line of credit, making it clear that I was not the individual who initiated the credit request. 

Subsequently, I reached out to XXXX to file a dispute and promptly reported the incident to the Federal Trade Commission. Shortly after that, I received another email from XXXX XXXX regarding an XXXX XXXX card that had been opened in my name. To address this, I contacted XXXX XXXX and requested the closure of the account associated with the fraudulent activity. They informed me that if XXXX XXXX XXXX  closed the credit account, the XXXX XXXX card would automatically be closed because of the affiliation between the two. 

I filed a police report on XX/XX/2024, with XXXX XXXX of the XXXX XXXX Police Department, XXXX XXXX recommended that I file this report with IC3.gov. 

I contacted all three credit bureaus to initiate a freeze. However, I encountered an issue with TransUnion when the representative started asking me unrelated and confusing questions, like the residence locations of unfamiliar individuals. This prolonged questioning and the agent 's heavy accent made it challenging for me to comprehend. When I expressed my difficulty in understanding, she mentioned that due to my perceived failure in the verification process, I needed to call back after XXXX hours to implement the freeze, before ending the call she tried to sell me a product. 

I then went online where I was able to place the freeze on TransUnion Credit reporting free of the condition of product purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information reporting on my credit report, I contacted multiple agents to try and get it resolved and never got an answer on how to get it done, nor any assistance was offered, all agencies refuse to do anything about the situation Companies like XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I notified Transunion of some inaccurate accounts on my credit report. On XX/XX/XXXX an automated response was generated from Transunion denying my request to block the false information because they determined that my request was either a ) been made in error ; b ) is a misrepresentation of material fact relevant to the request to block and/or c ) I have obtained possession of goods, services or money as a result of the transaction issue. 

However, when I spoke to a representative of Transunion on XX/XX/XXXX they informed me that one of the accounts in question had been deleted from my credit profile. I in no way look at resolving issues of Identity Theft on my credit report as being " Irrelevant or Frivolous ''. Also, since there was in fact accounts on my credit report that was inaccurate, according to the FCRA Transunion was obligated to thoroughly investigate those accounts. 

Also, as of today XX/XX/XXXX I have not received verification from Transunion about the outcome of my request. According to FCRA credit reporting agencies only have 30 days to notify consumers in writing of the findings of their investigations. 

The inaccurate information on my credit report has prevented my family and I from being approved for a new home. It also has prevented me a small business owner from being approved for a small business loan from the XXXX for pandemic assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX, XXXX & TransUnion a FTC ID Theft Report dispute asking for verification of all disputed accounts, incorrect or fraudulent personal information, unauthorized inquiries & the METHOD OF VERIFICATION to be sent to me ( FTC ID Theft Report # XXXX & proof of service attached ). These FTC ID Theft Reports and requests for validation and Methods Of Validation were received on XX/XX/2021, XX/XX/2021 & XX/XX/2021 ( proof of service attached ). As of today XX/XX/2021, I have not received any proof of validation nor any written Method Of Verification from XXXX, XXXX nor TransUnion. This is in violation of my consumer rights under Section 611 ( a ) ( 6 ) and ( 7 ) of the FCRA. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, the law presumes that no proof of the alleged account exists, nor does any such account, in fact, exist.
Product: Debt collection

they have been calling three to five times a day. calling my family members. coming to my home after hours. dropping off information about loan to my home.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint about several creditors and debt collectors who are inaccurately reporting and updating information on my credit reports. These issues have persisted despite my attempts to resolve them, and the lack of proper investigation is concerning. Below is a summary of the key issues I am facing : Portfolio Recovery Associates : Portfolio is updating my credit report with Activity : Grid Code G ( Collections ) and then reopening the account after closing it, which is inaccurate. They are using outdated and inaccurate credit statements as their means of " verifying '' the account, rather than providing proper documentation to support their reporting. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), as they are not properly verifying the account information. 
XXXX XXXX : XXXX XXXX continues to update my credit report with inaccurate information. They have not provided proper documentation to verify the validity of the account, yet they keep updating the tradeline with false information. The account should have been deleted due to improper verification, but it continues to affect my credit report. 
XXXX XXXX : XXXX XXXX sent a letter stating that they " do not know the date of the last activity '' on my account. This is a critical piece of information that should be accurately reported. Their failure to properly investigate and report the date of last activity violates the FCRA, and their continued reporting is causing harm to my credit report. 
Fingerhut/WebBank : XXXX has sold my account to XXXX XXXX XXXX XXXX yet they are still reporting and updating the tradeline as if they are the original creditor. Additionally, they failed to provide the documentation I requested to verify the account, which means they are not following proper debt validation procedures. This has led to incorrect information being reported on my credit report, despite the fact that the account has been sold and should no longer be updated by XXXX. 
General Concerns : The errors on my credit report are out of control, and the companies involved are not taking my disputes seriously. The fact that these companies are not properly investigating my disputes and are continuing to update incorrect information is a violation of the FCRA. I am requesting that these issues be thoroughly investigated by the CFPB, and that the companies involved be held accountable for their failure to properly handle my disputes. 
Actions Taken : I have disputed these accounts with the credit bureaus multiple times, but the errors persist. 
I have requested verification and documentation from the creditors, including XXXX XXXX XXXX, First Access, First Premier, and Fingerhut/WebBank, but they have either failed to provide proper documentation or have admitted that they do not have certain critical information ( e.g., date of last activity ). 
These companies continue to update my credit report with inaccurate information, which is severely impacting my credit score and overall financial health.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are XXXX  consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting

XXXX XXXX XXXX sent Trans Union a letter to remove a hard credit inquiry from " XXXX 2015 '' the inquiry is still present and needs to be removed as soon as possible please ...
Product: Credit reporting or other personal consumer reports

XXXX XXXX date ; XX/XX/year> XXXX XXXX Equifax, and XXXX have violated my rights once again I am here today. and, I am requesting these closed accounts to be removed Account name : XXXX XXXX XXXX XXXX date open XXXX account number XXXX, XXXX XXXX XXXX XXXX date opened XXXX account # XXXX, XXXX XXXX XXXX XXXX opened XXXX account number XXXX, XXXX XXXX XXXX XXXX opened XXXX XXXX # XXXX, and XXXX # XXXX, These accounts are also showing late payments which are actually illegal i don't understand why you were reporting these late payments they have not contacted me back when I wrote you guys in a letter explain them to you that I was never late on any payments.. The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments. The FCRA 15 USC 1681a, 15 USC 1681s-2, 15 USC 1681n and Timing of payments 15 USC 1666b , Consumer request the Deletion of all transactions listed as late on their consumer reports. I have given you more than 30 days to rectify the situation and fix an update your systems to reflect 100 % accurate information You have failed to do so you have failed to write me back within the time. And I will be seeking professional representation of the small claims court if the matter is not solved today. Either way I am prepared.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX on behalf of XXXX XXXX appears on my credit file as a pay day loan company in which I have not applied or requested no loan on loan. It seems to be some scam going on with Experian and XXXX XXXX to get people to do on line pay day loans. I'm filing a complaint with the US Attorney as well as the UD Justice Department on Clarity and Experian and XXXX XXXX. There seems to be a pattern with XXXX XXXX on my credit report I'm opt out for promotional or marketing on my credit file. Experian seems to be violating my OPT out rights. I'm not trying to her no XXXX about this and that.
Product: Mortgage

XX/XX/XXXX I was rear-ended endured hardship with casualty loss resulting in a change of circumstances. I reached out to Village Capital & Investment who owns XXXX XXXX   concerning recent changes on XXXX. I was informed at that time " this mortgage company couldn't help me in any way there were no hardship assistance programs for me to apply too. '' I was informed " to go to a church and ask for assistance. '' I informed them that I would be seeking legal advice concerning this matter. XX/XX/XXXX Village Capital called stating that I could apply for Loss Mitigation asked if I was able to start making payments XX/XX/XXXX. I replied yes XX/XX/XXXX payment made on XX/XX/XXXX my account was blocked and a XXXX Sheriff was sent to my home stating I was being summons to court for foreclosure of my property cause no.XXXX. The judge was informed that my TILA rights were violated and I was denied hardship when their own website states they have assistance for clients in need of hardship. My PMI is excessively high. Under Predatory Lending Village Capital hinder me the ability to receive services for repaying debt, charged me excessive or hidden fees, tried to force me into foreclosure, denied my loan modification, breached of lending liability law, deliberately made it hard to repay loan, violated dual tracking law, esscrow fraud. A representative from XXXX XXXX XXXX XXXX contacted me in XXXX until balance agreed upon by Village Capital was reach in XX/XX/XXXX in the amount of {$15000.00} included late fees attorney fees, property and insurance taxes, mortgage debt, monthly home inspections, and court cost. My payments were to resume XX/XX/XXXX. Village Capital received double payments for the months of XX/XX/XXXX check # XXXX ; XX/XX/XXXX # XXXX ; and XX/XX/XXXX # XXXX. Village Capital refuse to refund the three months of double payments, when questioned they later sent racketeering fees in XX/XX/XXXX stating I owed an additional {$700.00} that wasn't included in agreed amount during court. From XX/XX/XXXX till XX/XX/XXXX they reported to the credit bureau that I never made those above payment or disclosed that XXXX  XXXX paid balance in full per court agreement that my account was back in good standing. Village Capital never sent my mortgage W2 forms for XXXX for the months of XX/XX/XXXX till XX/XX/XXXX. My account was blocked from XX/XX/XXXX till XX/XX/XXXX was unable to print off W2 form for my taxes.
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 ) # XXXX ( Account Name ) : XXXX XXXX XXXX. ( Account ) # : XXXX. 
( Account Name ) : XXXX  XXXX. ( Account ) # : XXXX ( Account Name ) : XXXX XXXX  XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ). ( Account ) # : XXXX ( Account Name ) : XXXX XXXX  XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) ( Account ) # : XXXX has violated my rights. 

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 suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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. 

and according to 15 USC 1681s-2 they are suppose 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.

15 U.S.C. 1681B ( 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.