23daVinci/CFPB_Complaints huggingface dataset:
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 USC 1681. 


Account Name : XXXX XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Debt collection

A letter was sent from XXXX XXXX XXXX XXXX XXXX about a walmart credit card by XXXX XXXX. 

This company, walmart credit card XXXX XXXX changed the address without my authorization. The address on the letter is only a forwarding address to mail to. All correspondence should be sent in a brown envelope with any letter statement with the original address. 

Secondly contact was made with this comp any. I asked them to recall the debt to the 1st party. The rep stated they are XXXX XXXX and can not do that. This company is debt collect tor and not part of XXXX XXXX they are a th ird party. 

ForThe ( insert name ) changed my address without authorization from me the account holder. The company changed it because it was forwarded to a different address only for the purpose for " care of '' mail. The company never notified me for authorization nor was i given notice of the change until i received my mail from the care of address did i notice the company changed it automatically without consent. purposes of this complaint they are to Cease and desist all communication via phone and mail Restore the original address on the statements Recall send the debt back to the 1st party
Product: Checking or savings account

Ive filled few complains due to unauthorized use of my debit card but its been 10 days and they did not follow regulation E to provide provisional credit, customer service told me I have to request the provisional credit so I was little stunned because that was new information for me. 
Its been 10 days and I did not get the provisional credits
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year I was looking for a car. The company I went to ran my credit several times and put 10 hard inquires on my report. I asked them were they steady running my credit they said no but when I looked at my report I have it on there several times. XXXX XXXX in XXXX Ms. Im trying to attempt to get some of those hard inquiries off my credit because Im trying to boost my credit score to get a house.
Product: Debt collection

I am writing to dispute certain accounts on my credit report that I believe are a result of fraudulent activity. I kindly request a thorough investigation into these accounts and their prompt removal from my credit report. XXXX XXXX XXXX, XXXX - XXXX XXXX  XXXX and XXXX XXXX XXXX  XXXX Attached, please find identity theft reports that clearly indicate the fraudulent nature of these accounts. I request written confirmation of the investigation results and the removal of these fraudulent accounts within the statutory timeframe as outlined in the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander consumer is reporting XXXX days late on my credit report and has dropped my credit report tremendously and I was in a XXXX and explained to them what was going on. The account has been paid off they been agreed to change the information and want and its hurting my life tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy and it has been XXXX for 3 years. XXXX XXXX XXXX will not update their records regarding this nor will they report to the credit agencies.
Product: Debt collection

The debt collectors call me and my employer 3-5 times a week. This is extremely excessive and I would like it to stop. They have no right to call my employer.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, declare that my identity has been stolen and used to open various fraudulent accounts without my consent. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from my Transunion consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. The following accounts were opened in my name These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, fraudulent accounts and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I do not know who this debt is from. I do not recognize any of the names, nor did I receive and communication from the debt. What steps do I have to take to get this removed? I believe it is FRAUD! I contacted Midwest Recovery and they sent me a " Final Demand '' Letter that is dated for today. Another way to say " SCAM ''!
Product: Credit reporting or other personal consumer reports

I Have Been A Victim Of Identity Theft. My Whole XXXX Account Is Not Reporting ..... However, I was not late on XXXX XXXX payment update this account to pay on time never late for inaccuracies in false reporting : XXXX XXXX Open Date. XXXX Experian Open Date. XXXX XXXX Open Date.
Product: Payday loan, title loan, or personal loan

Spoke with Mariner Financial to help lower the APR to help lower the monthly payment. In returned to pay off more to the principle but they said their APR is based on how much we request. The lower amount we request the higher the APR but even asking for a higher amount not guaranteed a lower APR. the lowest they provide is 18 %. This is not only wrong but unfair to the concurrent with a fair to great credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act.This list of account below has violated my federally protected consumer rights to privacy and confidentiality under15 U.S.C 1681. 
XXXX XXXX has violated my rights. 
15 U.S.C 1681Section 602A. States I have rights to privacy. 
15 U.S.C 1681Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Bank account or service

I wrote a check for {$700.00} for rent to my landlord ( XXXX XXXX ) at the beginning of XXXX. After my landlord mobile deposited the check, it came into his account as per usual. However, a few days later, someone stole the check, cashed it, and the money was deducted back out of my landlord 's account. So, my check was stolen and my money was stolen. I reported the claim immediately after we found out to my bank ( Wells Fargo ) and he reported it to his bank ( XXXX XXXX XXXX ). However, both banks REFUSE to reimburse me the {$700.00} that was stolen from me. When asked why the banks wo n't refund us, they both refer us to the other bank, therefore the issue is just being passed back and forth between the banks and again, I AM NOT BEING REFUNDED for money that was stolen from me. Because of their refusal, I am out {$700.00} and this is unacceptable.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX # XXXX I placed an order on XX/XX/XXXX through XXXX  I attempted to chat to confirm the fittings & was assured theyd fit my tumblers. The site had multiple errors while I was trying to order but I was assured my satisfaction was guaranteed. I even screenshot this from their website. I ordered on XX/XX/XXXX. I received the order XX/XX/XXXX. I contacted the company within 10 minutes of opening the box. I was excited to get my order but quickly disappointed. They were not even close to a proper fit. 

I requested an exchange & was told they do not do exchanges. They said returns are subject to shipping. I did not have an issue with that. Then I was told they will charge restocking fees & also do not accept returns if the package is open. Well I had to open it to see it was not the correct order. If I could determine a proper fit by looking at an item, I wouldnt have ended up with the wrong items to begin with. I trusted their site & their guarantee to be factual. It was not. It is very fraudulent & deceptive. I still have the items in their original box. I have never used them as they are NOT what I was promised. 

I contacted affirm since it was their digital card I used to purchase them. At first they insisted I did not send them the info. I had to send it again, twice. Then they failed to investigate the fact that I did NOT receive what I was promised. I was assured these caps would fit my tumblers. They were wrong. All I asked was to exchange for caps that will fit. They refused. So I asked to return them. I submitted the dispute twice with affirm. They failed to listen to the fact that I did NOT receive what I ordered. Since affirm decided to ignore my dispute, I stopped responding to them. I am not paying for a product that was purchased under deceptive advertising. 

I have used affirm for years and never had an issue. I have other loans with them that are nearly paid off. Unfortunately they now call me 20 times a day. Send emails & texts. They were also sending nonstop pings through the app so I deleted that. I will gladly finish paying those off as soon as they do the right thing & stop harassing me for payments for merchandise I did not receive as advertised. They are harassing me for a loan that is fraudulent due to deceptive advertising by the manufacturer XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing the outcome from EXPERIAN about a complaint issue with   XXXX   XXXX   #  XXXX ****,  XXXX *** There are several errors on my report. I am requesting a PROOF OF CLAIM or SIGNATURE. Be advised that their claims are disputed as well as the method of validation for this previously disputed account from which nothing was provided to me in writing.   XXXX   has already deleted these issues see attachments proof of claim of the disputed debt is requested in accordance with the HIPPA Act laws. I have absolutely no documentation or nothing in writing any type of proof that I can verify any claims against my legal person. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed.   XXXX   XXXX   days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to please produce a CONTRACT!
I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant.
Product: Credit card

In XXXX 2015, I mistakenly missed to make a payment with my Barclays card. I never missed a payment before, however in that month I was going a personal issues and stress out, such my partner losing his job and my son having medical issues. I honest forgot to make my payment. I say that not to justify why the payment was late, but rather to show that the late payment are not a good indicator of my actual credit worthiness. I hope that Barclays is willing to work with me on erasing this mark from my credit reports.
Product: Debt collection

I went to close out my account with XXXX because of the mistreatment and price XXXX was charging. I paid off all my lines and caught up my bill with XXXX XX/XX/XXXX- {$340.00}, XX/XX/XXXX - {$570.00}, {$110.00}, XX/XX/XXXX - {$260.00}. 

I called on XX/XX/XXXX to close out my account because our numbers were ported to another provider, the first gentleman I spoke to told me I couldn't close out until end of billing cycle and to call back later. I called the day before the end of the billing cycle to close out my account the lady I spoke to told me all lines were suspended and that my bill was caught up ( XX/XX/XXXX payment ) and I was good to go. Fast forward two weeks and I got another bill. I called in and spent well over an hour to make sure all accounts were closed and she assured me everything was good and finally closed. Then in the beginning of XXXX I got a bill for {$45.00} I called into XXXX to let them know I have tried to let know I've been trying to close this out for a whole month and no one was helping me that I shouldn't have this charge. It was not my fault that no one was helping actually close my account for a WHOLE MONTH. 

I got a call today from the collection agency ( XX/XX/XXXX ) I explained to them to look through the account notes to see that I was calling in for a whole month to close an account i no longer needed and that the lady said my account was paid in full and that I wasn't paying the {$45.00} they claim still to be owned. He told me to have a nice day and hung up.
Product: Credit reporting or other personal consumer reports

Credit Karma and XXXX knowingly engaged in the act of false reporting of account balance information.
Product: Vehicle loan or lease

I obtained a loan from a credit union to buyout my lease. I followed the exact requirements that I was provided by Chase ( the company that my lease was through ) and submitted the funds prior to the end of the lease term. I have confirmation that Chase received these funds through XXXX on XX/XX/XXXX. On XX/XX/XXXX, Chase called me at work to inquire about my payment for XX/XX/XXXX. I advised the person on the phone that it was paid off. I didn't have the XXXX tracking number at that time because I wasn't worried about them receiving/applying the check timely, but they were informed that it was paid off. 
I sent a secure message to Chase advising that I had paid them in full and provided the XXXX XXXX  information that included confirmation that it was received on XX/XX/XXXX. Outside of Chase acknowledging receipt of my message, I have not heard anything from them regarding this issue. 
On XX/XX/XXXX I called them because the account was still showing active, I was transferred to XXXX in Customer Service who stated that it takes XXXX days to apply a payoff check. Nowhere on the payoff statement does it indicate this processing time, which seems excessive to me. She told me that it should be completed by XX/XX/XXXX. She stated that it will be effective the date that it was received. 
Today is XX/XX/XXXX and the account is still active. I reached out to the new lender and the check has not been cashed. The new lender showed me the XXXX label that they filled out and it is exactly as directed on the payoff statement ( lease buy-out ) provided by Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX recently reviewed my credit report and I found unauthorized account on records etc., XXXXExperian  an XXXX MY SOCIAL # XXXX to obtain my accounts 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.These are account I want DELETED AN ARE UNAUTHORIZED Has no permissible use and are not accounts that I have had relationships with an are reporting on my credit file without my consent.. 
are all unauthorized an have no Permissible use. 
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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
I can go on and on please validate an delete at once
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on requested documentation of the information each consumer credit reporting company used to validate information on my credit report, in accordance with the United States Fair Credit Reporting Act ( FCRA ), 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. I have submitted 3 separate requests for this information under 609 of the FCRA. Each time these company 's have responded by either saying they don't understand the request ; or they processes these requests as a dispute, and then report that the information was validated, refusing or failing to provide the information they used to validate the accounts, as required under 609 of the FCRA. 

Each company was sent a copy of the attached 3 letters ; one sent in XXXX, one in XXXX, and one in XXXX XXXX XXXX
Product: Debt collection

Attached please find the XXXX report which confirms XXXX of the XXXX tows that occurred with this vehicle, XXXX XXXX XXXX door XXXX VIN XXXX which not only needed to be towed on it 's last day with me to the dealership ( it apparently needed a new transmission and could not be driven - buyer beware ) but over the course of my lease ( please see my documented tow history via XXXX ) this vehicle was towed XXXX additional times on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I paid out of pocket for these additional tows because I did n't have 5 hours to wait for XXXX XXXX assistance which is exactly what took place on XXXX XXXX, XXXX when the car was towed and returned. This car is a LEMON by law and XXXX needs to withdraw a collection agency report for {$700.00}. The entire life of my lease should be returned.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for failing to properly investigate inaccuracies in my credit report. Despite my repeated disputes and submission of supporting documentation, TransUnion consistently responds within 24 hours, stating that the disputed information is accuratewithout providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation of consumer disputes. Additionally, TransUnion 's actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced by the Consumer Financial Protection Bureaus ( CFPB ) recent enforcement action ( File No. 2025-CFPB-0002 ) against them for similar misconduct.

Furthermore, TransUnions negligence in maintaining accurate consumer records and failing to properly investigate my disputes constitutes a violation of 15 U.S.C. 1681o, which holds them liable for civil damages due to their failure to comply with FCRA requirements. Their continued disregard for federal law has caused me undue harm, including potential denials of credit and exposure to fraudulent activity. 

Disputed Information : Incorrect Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Incorrect XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Money transfer, virtual currency, or money service

The guy sold me 7 XXXXXXXX XXXX and I XXXX  him on the day of XX/XX/19 because he was a staff in XXXX XXXX, so I trusted him and send him money first. But he refuse to ship out my XXXX and not refund. He promised me to send me refund by XXXX, but he ghosted and not responded anymore.
Product: Checking or savings account

This has been going on with Bank Of America in XXXX XXXX Florida on XXXX XXXX I had an account with XXXX and they were taking money out of my account for items that I did not receive so I went to the bank immediately with XXXX pages showing them that there were errors so they issued me a temporary credit and then they took the credit back now this has been going on since XXXX I am still out close to {$1000.00} when I went to the branch the manager whose name is XXXX and I have her on video and recording telling me that anything to do with checking and savings is not her problem she sat me at a vacant desk in the office there and told me to handle it myself which I also have on video, then because the monies were not in my account they took them out of my husbands savings account which was the money that we keep our mortgage money in, this has caused nothing but problems I even drove to XXXX to the main office to try and get it resolved they faxed XXXX pages of documentation proving that these charges were not accurate and that Bank Of America dropped the ball and its cost me literally no With no exaggeration I have spent the equivalent of two weeks on the telephone trying to get this straightened out and just yesterday I got a letter from Bank Of America stating they were issuing me a credit of {$160.00} and then today it shows the account negative by {$200.00} this is what I have been dealing with continuously am asking that somebody intervene because the branch manager there in her own words this isnt stuff she handles and she wouldnt be bothered with it I went in every day for almost 10 days before I took the hour drive to XXXX I am begging that somebody resolves this. With respect XXXX XXXX XXXX