23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was called about transaction that were returned to my bank account. These were from XXXX XXXX XXXX XXXX, why they were returned was unknown. They stated that the charges didnt go through even though I held the proper balance in my account for 48 hours plus. I payed the debt and have a receipt from their email, I was told this covered the two transactions in question, and the only two that were of issue. I got a call the following day from the same company multiple times, including emails as well. After explaining I paid, having the receipt, and having the verbal confirmation that my debt was payed in full. They said I owed them more money, even though I was charged more than what the two transactions were worth in the first place ( one was {$17.00} and change as well as {$25.00} and change, I payed {$52.00} which can be seen in the receipt )
Product: Credit reporting or other personal consumer reports

Dear Equifax I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Unverifiable. Fix, update or delete the information for date open. 

XXXX | XX/XX/XXXX : Account number : N/A, Unverifiable. Fix, update or delete the information for date open. 

XXXX | XX/XX/XXXX : Account number : N/A, Unverifiable. Fix, update or delete the information for date open. 

XXXX | XX/XX/XXXX : Account number : N/A, Unverifiable. Fix, update or delete the information for date open. 

XXXX | XX/XX/XXXX : Account number : N/A, Unverifiable. Fix, update or delete the information for date open. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Credit card

had macys card for over XXXX yrs no issues. once secondary card was issued for XXXX XXXX XXXX XXXX XXXX XXXX started using card. i called and asked them to cancel card they did not over XXXX dollars charged without my consent. 


i paid the card off they wont remove it or help me get any money back it needs to be removed please and thank you
Product: Credit reporting or other personal consumer reports

I submitted disputes to Experian and XXXX to address fraudulent information on my credit report due to identity theft. I provided all required documentation, including my drivers license, proof of address, an FTC Identity Theft Report, and my dispute letters. Despite this, Experian sent me an email claiming they couldnt place a security freeze because I didnt provide proof of identity, which is false. XXXX also mailed me a letter claiming they are unable locate a file for me in their database. However, both companies have processed some disputes and made corrections using the same documents they now claim I didnt send. This inconsistency is unacceptable and appears to violate my rights under the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, both Experian and XXXX are required to investigate disputes, process accurate information, and honor valid requests for security freezes. Their mishandling of my disputes is causing unnecessary stress and delaying the resolution of identity theft issues on my report.

I am a busy mom and in the process of moving with my XXXX XXXX XXXX, and its cold outside. I dont have time to deal with this negligence. Their actions are playing games with my livelihood, and its not fair how theyre treating people. I need them to follow the law and fix this situation..
Product: Debt collection

XXXX amount {$810.00} they put on my XXXX XXXX XXXX XXXX credit report I reach out to them as well & put in writing for the same information & please remove them from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see inquires listed below are not mine, i reached out to Equifax to have them removed asap. due to the fact that these are not my inquires. it is causing me great damage. by ruining my scores and i cant obtain a mortgage. 


XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX National Credit Card Cos.
Product: Debt collection

This company has failed to provide me the information to satisfy my debt verification. This company will only send me a copy of when the account was open and the charge of date, but will not send me any information regarding the account of when the last time I paid or any information regarding the account such as billing. I have asked for a detail break down of the account and this company has refused to provide me the information requested. I have sent this company letters and called.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Account Number : Please remove it from my credit report. 

2. The following personal information is incorrect 3. The following personal information is incorrect Employers : XXXX XXXX 4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX 5. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX 6. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX 8. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX 9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX 10. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX 11. The inquiry was not authorized XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX 12. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX 13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX 14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of XXXX days. The other bureaus have already removed these accounts from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 


XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Product: Vehicle loan or lease

Mazada financial services sent out an email stating effective XX/XX/XXXX additional payments would be applied to principle reduction rather than future payments. There is no benefit to the consumer who who may need to transition to a new job, lose their job or become ill and be forced to live on a reduced income temporarily and may need to use the paid ahead state until they are back to work or back on their feet. I spoke with supervisor XXXX at Chase who handles Mazada financial services and while he said that feedback would be forwarded no ability to respond or guarantee any chances. I was transferred by the first representative to her supervisor. The number called was XXXX. There is also no option to opt out of this new policy.
Product: Debt collection

I called to check on alleged debt that was on my credit report and inquire about removal also requested proof of this alleged debt. I never received proof and the account is still reporting negatively. I have written emails requesting this proof of debt to the Consumer Collections Manager XXXX XXXX on XXXX XXXX, 2022. I have not received any thing in the mail yet, which means they need to delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Debt collection

XXXX from XXXX, or Consumer First Management XXXX has been continuously contacting me about a debt that I apparently owe from 10 years ago. He continues to call from a different number every time, one time it was an XXXX number, the next it was a XXXX number and the last time was from a XXXX number XXXX. I asked him about the debt that I owed and he said that there was mail that went to my house and I never responded to it. I never got a letter from his company and didnt throw anything away. He stated that it was sent and that he could not get me any paperwork showing what I owed as he would have to file a judgement against me in order to obtain that paperwork. He gave me the file number for the case and said that if I wanted to call the company that it came from I would need to get ahold of them and find the original paperwork. I did get a hold of them and they dont have record of it as it was over 5 years ago. He keeps telling me that it is going to cost me a lot of time and money to resolve this. I am confused as to why I would be taken to court over something that is 10 years old, and over something that he can not and will not provide paperwork on. He has called me 7 times in the past week and before then everyday even after I spoke with him about the debt. I told him I was not familiar with the XXXX. I have looked them up and can not find their information anywhere. This XXXX XXXX said that if I do not respond he was going to take legal action against me. They call at all hours of the day while I am at work and while I am at home.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX, XXXX  a validation of debt was requested. This request was never received nor response.according to the FDCPA all collection was TO cease until debt has been violated. USDA is in violation of 15 USC 1682o willful non compliance. USDA has accepted instruments and has failed to return or credit account.

1. 15 USC 1692 G MUST BE NOTIFIED IN 5 DAYS BEFORE ANYTHING IS ADDED I Was never notified by USDA 2. 15 USC 1666E CAN NOT TAKE ADVERSE ACTION SUBJECT TO PENALTY 3. 31 USC 5118 OBLIGATION CAN BE DISCHARGE WITHOUT LEGAL TENDER 4. 12 USC 1431 BANKS CANT LOAN MONEY THEY ARE THE BORROWER 5. 15 USC 16932 FALSE REPRESENTATION 6. 15 USC 1681 a ( d ) ( 2 ) ( B ) Exempt clause 7. 15 USC 1681b IDENTITY THEFT 8. 15 USC 1666b NO SUCH THING AS LATE PAYMENTS
Product: Credit reporting or other personal consumer reports

I contacted Trans Union to Dispute ( 2 ) collection on report. I advised them on several occasions that these accts do not belong to me and were a result of identity theft. They keep stating that the verified the info to be correct, however they are not showing me what documents are being used to verify the accounts. My identity was stolen therefore the person will have my info. I need to know the ID THEY USED, Verified bank account info, address etc. they havent sent any documentation to prove this. I need these removed from my report. They removed them before but they appeared again a few months ago. Please have them removed. 

Thank you
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$610.00XXXX XXXX  XXXX Balance : {$4800.00} NCB ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX ( Original Creditor : XXXX XXXX COMMUNITY BANK ) XXXX Balance XXXX {$1200.00} XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$1600.00} NCB ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$180.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

Comenity Capital Bank/ Forever 21 Account # XXXX 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish accounts without my written instructions.
Product: Debt collection

Hello, My name is XXXX XXXX and I am a victim of identity theft. My Identity was originally stolen in the year XXXX. I was sent a certified letter today XX/XX/XXXX, for garnishment of wages. The original account company apparently is Citibank/Home depot. I have never had an account with this company in question. I am also XXXX and I have been receiving benefits since XXXX. This is a fraudulent account and was opened without my knowledge nor consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've gotten in touch with all 3 credit agencies to report all the collections and inquiries on my report to have them removed because there's no signature or validity to any of these there's XXXX XXXX THAT'S REPORTING I HAVE 4 OPEN ACCOUNTS AND XXXX XXXX REPORTING I HAVE 2 WITH THEM IN WHICH NONE IS TRUE I NEED ALL ACCOUNTS AND IINQUIRES REMOVED
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax regarding their failure to respond to my dispute letter. On XX/XX/2024, I mailed a dispute letter to Equifax via certified mail ( tracking # XXXX ), requesting an investigation into inaccurate items on my credit report. In addition to this, I also disputed incorrect personal information listed on my report. 

To help Equifax verify my identity and address, I made sure to include a copy of my photo ID, my social security card, and a recent bill showing my current address. Despite these efforts, I did not receive any response or investigation results from Equifax. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to conduct a reasonable reinvestigation when the accuracy or completeness of information in a consumer 's file is disputed. It appears that Equifax has violated my rights as a consumer by failing to conduct such an investigation upon receipt of my dispute.
Product: Credit reporting or other personal consumer reports

Requested to correct personal information and remove incorrect information. 
- Address -Name -Work history -Phone Number
Product: Vehicle loan or lease

Due to a personal matter, I have fallen 1 month behind on my car note with First Investors Servicing Corporation. I have been calling since XXXX to get a XXXX extension filed. Back when I first called in I was told I was eligible for an extension, but in order to be approved I needed to update my insurance. Well that's what brings me to this complaint. I have done my due diligence in providing proof of insurance, however, their system is still showing that my insurance is inadequate. The first rep I talked to was XXXX XXXX. He gave me the info to contact their vendor XXXX XXXX to send them the documents to update my insurance. I worked one on one with a rep for XXXX XXXX and provided my declaration page. She said I was good and everything is showing updated. Wrong!!! Call First Investors back after XXXX business days to do the extension and my insurance was still showing inadequate. So I talked to XXXX XXXX and he said to send him my declaration page and he'll send it over to the insurance vendor for me. Gave it another XXXX business days, never heard back from anyone, so assumed everything was good and called back to file the extension again. Insurance is still showing inadequate. So the rep XXXX XXXX I talked to said the same thing send him the declaration page and he'll send it over for me. So I did, waited another 7 business day and called back and still showing inadequate. At this point I'm getting highly frustrated that I can't get nothing done in order to file my extension. So that time I called back I talked to XXXX XXXX again and this time he told me they just had changed vendors and I would need to update my insurance with www.myinsuranceinfo.com. So I did and it said that it couldn't locate my loan information. So I called the vendor at XXXX and they said yes XXXX XXXX is our new client, but however, they haven't sent over all of the loan documents, so therefore, there wasn't nothing they can do to update my insurance. Then on XXXX XXXX I called back and talked to XXXX XXXX and asked to speak to a XXXX. Well the XXXX or supervisor never did take my call and instead had asked XXXX to ask me to email her my declaration page and they would review and get back with me. So I did and as of today I have yet to speak to a XXXX and my insurance is still showing inadequate. I'm not understanding why it's so hard to update insurance on their system. I've never had this issue since being a customer for 3 years. Something tells me they use to do the verification in house and decided to outsource to a vendor, and I'm going to tell you from experience that having a vendor to do your work isn't all that great. I'm needing to speak to a XXXX ASAP to get this taking care. Check my notes on account # XXXX and you'll see what I have been dealing with for a month now. This is ridiculous. I can be reached at XXXX. No more running around and no more emailing anymore reps until I speak to a XXXX cause nothing is getting done. I'm attaching my declaration page here. Doubt it will do any good, cause emailing it sure didn't.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payments were made on time, which falls within the creditors standard 15-day grace period. Therefore, the account should not have been reported as 30 days late. 
Clerical error by XXXX XXXX : Upon reviewing my account, I identified that my payments, which were made on time, were incorrectly processed as late due to a system error on the creditors part. This error led to the account being reported as delinquent without proper cause. 
Evidence Provided : I have attached my bank statements and payment confirmation emails showing that the payment was processed, clearly demonstrating that no 30-day late payment should have been reported. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX