23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I did not receive corresponding documentation pertaining to what i owe or why I owe. Please provide the EOB date of services, medical bill charges, what was covered, how much money the insurer considers to be reasonable and customary, the amount that went towards your deductible, copay and how much money you might be responsible for. I have NEVER received any phone calls, emails, letters ( certified or regular ). I have XXXX people in the city of XXXX as well as XXXX, Texas with my name. I have continued to receive phone calls pertaining to him. I am not him. I am a XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property 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.
Product: Credit card

I have a card with Chase for many years and I spend a lot of money with the card. I have had couple of instances that I have disputed a charge with them, but their dispute resolution department is very bad at responding to issues. ON this last one, I have started the process XXXX, every time, I have sent them documentation, and after 2-3 weeks I get a letter back from someone saying that they didnt get documents, so they are not doing anything or that they do not feel that I have a case without a reason. 

The same is true with all of the services that Visa offers. Like purchase protection, theft protection, extra warranty, and .... Every time, this is a bust.
Product: Checking or savings account

I filed my taxes through XXXX XXXX XXXX and was given an offer to get part of my refund back instantly through an advance but that it had to go to a Credit Karma Spend account. Being a single father who has no support and having dealt with a large amount of financial stress this year I opted to take the advance and {$2000.00} of my refund was deposited into my Credit Karma Spend account yesterday ( XX/XX/year>XXXX  ). I immediately began attempting to get my money out due to it advising me that I was able to conduct an instant transfer. I attempted to connect at least 5 other accounts to transfer the money to so I could use it but every single time there was an issue. I then attempted to connect the accounts with the bank details instead of the debit cards hoping that would work but again every attempt was futile. I then tried to see my virtual debit card with XXXX to try to be able to use my funds that way but I only have access to the last four digits of the card number and no option to connect it to a digital wallet as advertised leaving my totally unable to access any of my funds. I spent at least 2 hours with support between calls and live chat to attempt to fix the issue before the problem was " escalated '' to another team and that I would receive an email within a few hours. I ended up falling asleep and waking up today with no email from the support team but rather one saying my account was locked. I have spent the past two and a half hours on the phone with support again to unlock my account and try to connect any of my other accounts again. While they did unlock my account, it did not amount to much seeing as they still could not connect another account. Every time I have tried to connect an account via card or details, I have gotten an email stating that I connected accounts and can do the transfer by Credit Karma but the app itself and the website both say there were issues and they could not do it. It has become more than apparent to me that it has been designed to trick people to deposit their refund funds into the account then make it close to impossible to access. For what reasons I am not sure but I have tried everything I can to get my money and every single attempt has been blocked by Credit Karma XXXX even trying to connect it through another account first. I am in an urgent situation with my child and need my funds released to me ASAP so any help would be highly appreciated.
Product: Credit card or prepaid card

On XX/XX/2021, Capital One sent me an adverse action letter describing the reason for denying me credit for a credit card. According to adverse action described in 15 USC 1681m adverse action definition- ( 1 ) Actions included. The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer. Adverse action never stated a consumer being denied credit, The Truth and Lending Act states the definition of a credit card- The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I, XXXX XXXX fill out a credit application giving Capital One my credit card. Finally, 15 USC 1681m ( C ) ( ii ) ( I ) ( II ) states does not include and transactions or experiences between the consumer and person furnishing the information or information from a consumer report. Fair Credit Reporting Act is used for the consumer to apply the laws with companies like Capital One using false and deceptive acts to undermine the consumer
Product: Debt collection

I received a bill and numerous phone calls from XXXX XXXX. I explained that I know nothing about the debt and to please send me proof of it. They claim it was from XX/XX/XXXX and the debt is for {$1000.00} from XXXX. The bill says I could settle for {$350.00}. I have now asked 4x for  proof of debt to no avail. Today I saw it was on my credit report and account opened XX/XX/XXXX. This is total nonsense. I have had XXXX for as long as I can remember. I need assistance. Thank you
Product: Debt collection

To Whom It May Concern, I have a collection account on my  XXXX ,   XXXX   and  XXXX  credit bureau files from the company, Credit Protection, account number listed as  XXXX . Please be advised that I am disputing this information due to the fact that Credit Protection does not have a valid license/is not bonded in the state of Texas to collect debts. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. The attached copy states that a license/bond for Credit Protection DOES NOT EXIST according to the Texas Secretary of State database of license/bonded debt collectors. I am requesting that you investigate this matter and delete from my credit file immediately. Your immediate response will be greatly appreciated.
Product: Debt collection

WE GOT THIS PHONE NUMBER FROM XXXX, AND NAVIENT KEEPS CALLING US. WE ARE NOT THE PEOPLE THAT THEY ARE TRYING TO FIND
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Errors and Discrepancies on DEPTEDXXXX Student Loan Account To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of my DEPTEDXXXX student loan account, as reflected in my credit reports provided by XXXX and Equifax. I have identified multiple discrepancies and errors in the reported information that violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ). 
The following are the details of the disputed account and discrepancies : Account Number : XXXX High Balance : {$6000.00} Date of Last Activity : XXXX XXXX XX/XX/XXXX ; Equifax XXXX XX/XX/XXXX Date Reported : XXXX XXXX XX/XX/XXXX ; Equifax XXXX XX/XX/XXXX Date Opened : XXXX XXXX XX/XX/XXXX ; Equifax XXXX XX/XX/XXXX Balance Owed : {$0.00} Account Status : XXXX XXXX Closed ; Equifax XXXX Open Payment Status : Late 120 Days ( both bureaus ) Payment History Discrepancies : XXXX : Late payments ( 90 and 120 days ) reported from XX/XX/XXXX to XX/XX/XXXX. 
Equifax : Similar late payments reported for the same period. 
Identified Errors and Violations Inconsistent Reporting Across Bureaus : The payment status and payment history are not uniformly reported. While XXXX and Equifax report late payments from XX/XX/XXXX to XX/XX/XXXX, XXXX does not report any payment history. 
Account Status Discrepancy : XXXX reports the account as closed, whereas Equifax lists it as open, creating a conflicting narrative. 
Privacy and Accuracy Violation ( 15 USC 1681b & 15 USC 1681c ) : The late payment information reported does not reflect the actual payment history as per my records. Moreover, the discrepancies across bureaus demonstrate negligence in ensuring accurate reporting. 
Incorrect Date of Last Activity : The dates reported by XXXX ( XX/XX/XXXX ) and Equifax ( XX/XX/XXXX ) are inconsistent and fail to accurately reflect the true date of the last activity on this account. 
Failure to Update Account Information : Despite resolving the account in XXXX, the discrepancies and conflicting statuses persist in reports from XXXX and Equifax, indicating noncompliance with 15 USC 1681s-2. 
Requested Action Given the documented inaccuracies, I request the following actions be taken : Immediate investigation into the accuracy of the reported information. 
Removal or correction of all inaccurate late payments from XX/XX/XXXX to XX/XX/XXXX. 
Consistent reporting of the account status as closed with a {$0.00} balance across all bureaus. 
Written confirmation of the corrections made to my credit reports. 
Failure to address these discrepancies within 30 calendar days will leave me no choice but to escalate the matter further. I trust that you will handle this complaint promptly and in compliance with the FCRA and other applicable laws. 
Thank you for your attention to this matter. I look forward to your swift resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

WELLS FARGO is in direct violation of theThe Privacy act of 1974 and the following Uniform Commercial Codes : 15 U.S. Code 6801 - Protection of nonpublic personal information U.S. Code Notes prev | next ( a ) Privacy obligation policy 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. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( XXXX ) to insure the security and confidentiality of customer records and information ; ( XXXX ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 15 U.S. Code 1681b - Permissible purposes 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 : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a XXXX grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following fraudulent accounts that were opened in my name without my authorization. I am a victim of identity theft and request that these accounts be removed immediately from my credit file. 

XXXX XXXX has reported several accounts in my name, including an auto loan that has been marked as repossessed and credit card accounts that are past due. I never applied for, authorized, or used these accounts, and I have no knowledge of the transactions made under them. 

I have been affected by multiple data breaches in recent years, which may have contributed to the fraudulent activity on my credit report. I have already taken steps to address this issue, including filing a police report, disputing these accounts with the credit bureaus, and requesting the original application details from the financial institutions involved. 

I never applied for, received, or authorized these accounts. Additionally, I request that you provide me with all supporting documentation related to the application, including : 1.A copy of the original application 2.The email address and phone number used on the application 3.The mailing address used at the time of the application 4.Any recorded phone calls related to the application process 5.IP address or location where the application was submitted At the time of this application, I was living in California at XXXX FXXXX  XXXX XXXX, XXXX, California XXXX XXXX, further proving that I was not the applicant. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request that : 1.These accounts be permanently removed from my credit report.

2.Your office cease all collection activities related to these fraudulent accounts.

3.You provide me with the requested documentation within 30 days. 

I have enclosed copies of my police report, FTC Identity Theft Affidavit, and supporting documentation for verification.
Product: Debt collection

I have received a letter from MRS Associates stating that I owe XXXX the sum of {$1600.00} dollars for a debt I have no knowledge of. I called that company and asked how was that possible when I have never purchased any goods from XXXX nor I had received any letters saying I was in debt with the latter. 

an MRS representative then explained that I had to call XXXX to a number no one answers. 

I was then directed to a XXXX website where is asking for me to file a police report. I don't have any details to provide to the police as I don't know what is the debt for.

MRS Case number : XXXX
Product: Checking or savings account

On or about XX/XX/XXXX, I made a mobile deposit into my checking account. The mobile deposit application said it would be made available on XX/XX/XXXX. I contacted Citizens Bank on XX/XX/XXXX since the deposit was unavailable on XX/XX/XXXX. I received a letter on XX/XX/XXXX outlining that the deposit will not be made available until XX/XX/XXXX because the bank believes the bank will not honor it. I contacted the bank again on XX/XX/XXXX and I had spoken with the supervisor, XXXX. I explained to XXXX my grandson asked me to deposit XXXX check for {$580.00} into my checking account. She asked me how old was my grandson and that he should have gone into a bank to cash it. I told her that Citizens bank offers mobile deposits. I asked her what makes the bank determine if a check will not be honored. She could not give me an answer and advised me to contact XXXX to ask the government why Citizens bank will not honor the check. I asked her if could she cancel the check so I can cash it in person. She said no because I will be getting two deposits. I said you told me that the check will not be honored. XXXX had no right to ask me how old was my grandson and that I should have gone into a bank. XXXX appears to make up her policy.
Product: Credit reporting or other personal consumer reports

Constantly 3-4 month dispute 's same accounts Credit score 's reporting scores. Average is same never change. After. 1 year inaccurate Make it hard to get approved on credit applications Hired 2 credit reports companys XXXX XXXX XXXX XXXX XXXX XXXX Request certain items be removed updated changes never changed Instead removein ..continues disputes. 
Also l sent in certified Letter with driver license SN recent address information never updated. Or the customer. Rep states never recieved and sent certificate mailing
Product: Debt collection

Company name : Midland Credit Management Inc Company Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Midland Credit Management Inc is trying to communicate with me through my consumer reports which needs to stop. 15USC 1692C Holds Creditors Liable ( c ) Ceasing communication. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Checking or savings account

XX/XX/XXXX this complaint is against GOOGLE.COM My name is XXXX XXXX. I am the only XXXX XXXX in the XXXX. Sometime ago I created a gmail account in my name ... XXXX and a business XXXX account ... XXXX. My current address is XXXX XXXX XXXX XXXX, XXXX XXXX Florida XXXX and my real phone number is ( XXXX ) XXXX. 


Unfortunately I had both of these accounts stolen ( hacked ) and a phony google voice telephone number ( XXXX ) XXXX opened in my name. 

Because the business email is the recovery email for my personal XXXX  account and because the confirmation phone number was changed in my personal account all my attempts to recover the account have been in vain. Recovery confirmations are sent to the recovery email, which is hacked ... or to the fake google phone number in my name using the hacked XXXX account. 

The results of this identity theft began with the theft of {$100000.00} XXXX XXXXXXXX XXXX and a {$15000.00} hack at XXXX in the year XXXX and has continued relentlessly until today. 

Nothing I can do will get Google to fix this, making then co-conspirators in these and may more thefts! Most recently a {$5400.00} theft at XXXX XXXX  XXXX and a hack of my XXXX account resulting in items purchased by a hacker and charged to my account and the resetting of my current email to the hacked ... XXXX. 

But all that is just the beginning... Unaware by me until very recently when i tried to open a new bank account ... since XXXX, some 30 new bank account openings have been recorded at XXXXXXXX XXXX in my name using the phony credentials. And XXXX XXXX has not been able to reverse many of these entries since the banks have not disavowed the account opening attempts. I do not know if these accounts were opened and my stolen identity was used for some money laundering acts or whatever. 

Can you please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, am demanding these accounts to be removed from all credit reports per 15 USC 1681c-1 : XXXX XXXX XXXXXX/XX/XXXX Total fraudulent amount : {$3100.00} XXXX XXXX XX/XX/XXXX XXXX fraudulent amount : {$4800.00} XXXX XXXXXXXX XX/XX/XXXX Total fraudulent amount : {$2100.00} I am disputing these accounts per 15 USC 1681b ( a ) ( 2 ). After reviewing my accounts, it shows accounts that I question. In accordance with my rights under the Fair Debt Collections Practices Act, I am disputing these accounts and requestions VALIDATION that there is proof of debt. I am demanding the removal of these accounts immediately.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX 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

I have 3 things on my credit report that I want to dispute. 

I have an account with XXXX, XXXX reporting that I owe the amount {$1200.00} to a cable or cellular company. My credit report shows that this account was assigned on XX/XX/XXXX 

I have an account with XXXX XXXX reporting that I owe {$220.00} to a cable or cellular company. My credit report shows that this account was assigned on XX/XX/XXXX 

I have an account with Discover Bank that shows that I owe the amount of {$750.00}. My credit report shows that I opened this account onXX/XX/XXXX. 

I will need written contracts with my signature showing that I agreed to open these 3 accounts and pay these fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$14000.00}
Product: Credit card

Capitol one credit card reps are XXXX and will disposition a call however... 
Capitol one reps don't appreciate the customer
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

PNC bank sent me a check with a refund that was owed to me by a merchant called XXXX. Then, the PNC bank put a stop payment on the check and caused my account to get fees. There was no reason why this happened. This was an evil and malicious act that shows how ruthless this bank is to the consumers. I want the check fixed and this to be handled by a higher official who can fine the bank.