23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, Please see below message that I sent to CREDIT COLLECTION SVCS and XXXX. Re : Alleged Original Creditor : XXXX Alleged Original Creditor Account Number : XXXX Alleged Debt Amount or Balance : {$1300.00} Dear CREDIT COLLECTION SVCS and XXXX I recently received communication from you attempting to collect the above-listed alleged debt. You sent your initial communication attempting to collect the alleged debt was within 30 days ago. Be advised that I dispute the validity of the entire alleged debt that you are attempting to collect. Further, I request verification of the alleged debt, specifically, I request the following verification : ( 1 ) a copy of a contract or agreement that created the alleged debt that you are attempting to collect, ( 2 ) an itemization and accounting of all exact amounts that you are collecting for the total balance, ( 3 ) if any amount is due to property damage, then a comprehensive list of any damage done to the premises that is the basis for any charge and true repair bill or estimate dollar value of the repair, and ( 4 ) if any security deposit was retained to offset the balance, proof of mailing of any statement of charges detailing the reason for withholding deposit funds and proof of the letter mailing date. Any contract or agreement sent must be with the original creditor and signed by all parties to it. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including reporting to consumer reporting agencies ( CRAs ). If you are not aware, credit reporting is considered debt collection under the law. Promptly request deletion of all your credit reporting made to any CRAs about the alleged debt. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request ( s ) to CRAs to delete your reporting of the alleged debt. This letter shall also serve as a complaint to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive any related information from you. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney. cc : CFPB, po box 27170, Washington, DC 20038
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2200.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$720.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$290.00} XXXX Date Opened XX/XX/XXXX Balance {$2000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$39000.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2200.00} XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$720.00} XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$290.00} XXXX  Date Opened XX/XX/XXXX XXXX {$2000.00} XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$1900.00} XXXX Date Opened XX/XX/XXXX Balance {$1600.00} XXXX Date Opened XX/XX/XXXX Balance {$39000.00} XXXX XXXX of late payments** Date Opened XX/XX/XXXX Balance {$0.00} XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  XXXX Bank XXXX XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I have been a customer of this credit card company for a long time. I have made purchases with the card, and have been making payments. The interest rate on my purchases is 10.99 %. I did a Balance Transfer recently, at an interest rate of 6.99 %. 

When I make my monthly payment, it is being applied to the Balance Transfer amount at 6.99 %. My oldest transactions are 10.99 %, and are not having the payment applied to it. 

When I make a payment, it should be applied to the oldest transaction.
Product: Debt collection

I went to look for a car to make payments on at the XXXX XXXX XXXX. My wife and I had picked the car out and had to sign the contract. Not only did they use predatory tactics in order to confuse and side-step us and every turn, just because it was our first time. The fact that we were first time buyers has to be the reason for this. They told us the payments would be {$730.00} a month for a 2020 XXXX XXXX, not worth that much AT ALL. I now have a repossession on my financial record because of the absolutely predatory and scummy practices every auto dealership uses, ESPECIALLY to first-time buyers. I want the repossession taken of my record as well as all my accounts with XXXX XXXX to be erased completely.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax 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 and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax 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 : I made my payment on time in XXXX, XXXX and XX/XX/XXXX, as verified by the attached bank statement. 
There was no delinquency on this account, and the reported late payment may have been caused by a clerical or reporting error. 
The attached payment confirmation from the creditor further supports my position that the payment was made on time. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
Product: Payday loan, title loan, or personal loan

Hello Sir/Madam last year XXXX of XXXX, I have gotten a home improvement loan from EnerbankUSA to do a roof replacement for my house in the the amount of {$15000.00}. The loan term says same as cash which i never knew how it works since they never provided any information. However it says the payment is not due until XXXX this year, XXXX. Fine so I have set up an automated bill pay in ADVANCE for the monthly {$300.00} on XX/XX/XXXX. At the same time I have tried to contact enerbank to find out exactly what's my exact balance is due. Therefore, I couldn't get a hold of anyone. The website didn't work for me neither the phone call to obtain the balance i needed to pay. Most of the times its 30 to 45 minutes call wait time and the call gets dropped after certain time. Anyway I was making random payments such as {$7000.00}, {$3000.00}, {$2000.00} within one month. Then on XX/XX/XXXX, after so many attempt, I finally got a hold of a live EnerBank customer service adviser. When I asked about the remaining balance he said I still have some small balance left but also there is interest occurred. I asked the associate to take the remaining balance over the phone immediately, which he did and there shouldn't be any balance left on the account. Then I tried to explain to him that's why i called many times to find out the balance but its almost impossible to talk to someone. If there is any interest which unintentionally happened due to the fact not to get a hold of anyone. Then the associate told me that supervisor is in a meeting but he will call me back to resolve the matter. Nearly one month later on XX/XX/XXXX i got to talk to a different adviser in EnerBank, and explained the situation again that i was expecting a call back from your superior but then i never received any call. the she said the same thing supervisor is in a meeting and she will expedite the matter and supervisor should call me the very same day. Unfortunately no one called at that day. Then i tried to learn about the bank and found some interesting facts. That's how they do bad practices in the name of bank. Intentionally they don't flow ON CALLS or correct information provide to the consumer and therefore most of their consumer can go through with XXXX and illegal fees/ interest which is not consumers own fault.
Product: Mortgage

My mortgage originated with XXXX XXXX on XX/XX/19- amount {$4300.00}. My first payment was due XX/XX/19- I made a payment of {$500.00} + the obligatory interest of {$18.00}. Within days the mortgage was sold to XXXX XXXX whose servicing company is XXXX. Because of the time period during the transition, my {$500.00} payment has never been recorded, nor has the interest I paid. I have scheduled my 3rd payment to be made at the end of this month and the balance still has not been corrected to even reflect the 2nd payment. I have submitted copies of my checking account and and the payment schedule from XXXX XXXX to no avail. No one gets back to me and this has been going on for 2 months. I need someone to intercede on my behalf.
Product: Credit card or prepaid card

I applied for the Business Gold Rewards card on XX/XX/2018 which offered a sign-up bonus of 50,000 MR Points after {$5000.00} in spend. Several weeks later, I confirmed with American Express that the offer was on my account and I had until XX/XX/XXXX to meet the spend requirement. I spent over the amount required. 

I contacted American Express on XX/XX/XXXX since I did not see the bonus in my account yet. They told me that the previous agent had mis-informed me, but I was not eligible for the welcome offer because my account history shows I have " opened and closed frequently. '' I have only ever closed one American Express credit card. 

They then claimed that I received a pop-up that I was not eligible for the bonus when I was applying. This is not true and I did not receive any notice that I would not be eligible for the welcome bonus. 

They are denying me a welcome bonus that they confirmed I would be receiving. I have read many reports and complaints from others about the same issue who also did not receive the pop-up that they claimed would be impossible to miss.
Product: Money transfer, virtual currency, or money service

I left home in nc because my mom was sick back in XXXX XXXX come back to wife empty banck accounts and sfty deposit box and top of that find that i have a XXXX XXXX, i spoke right way to Secu bank and custumer service estate employee credit union and police and no help at : ( very sad and can recover from that I thought i save money sice XXXX XXXX XXXX when I XXXX  to The usa i savel a lot money and for one day this women call wife gets angryn and leaves and take money bank money cash and cars and sell, and come back to nothing when she even bought my eirplane ticket, is not right because i for sure did not unauthorized that, at all she only have access to account to pay a couple bill, is not right that she take all and i am the bad guy, it was that money from a XXXX XXXX not even mine Help help She took in cash in the safty {$85000.00} {$150000.00}
Product: Credit reporting or other personal consumer reports

It is completely unacceptable that an unauthorized inquiry suddenly showed up on my credit report today. I routinely check my report, and I was shocked to see this out of nowhere. Thinking it might be a system glitch, I refreshed my browser, but the inquiry was still there. I am beyond frustrated and need this to be fixed right away. I insist that the documents I submitted be properly reviewed so I never have to worry about this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Please consider this as my formal complaint to the EQUIFAX for allowing the fraudulent inquiries and for not taking corrections on my credit report. I sent out my dispute letter dated XX/XX/2023, with the identity theft report number XXXX. They also allowed the fraudulent accounts to be reported in my credit file with the identity theft number XXXX. As I checked my credit report these are unauthorized hard inquiries and fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights have been violated in relation to an account on my credit report. I reached out to TransUnion and requested that inaccurate information be deleted off of my credit report. TransUnion states that an investigation was done in regards to an XXXX XXXX account listed on my report; however errors and inaccuracies still exist on the report. My payment history is still not accurate. It is still showing differences in payments made across all 3 Credit Reporting Bureaus. How can validated information vary among the Bureaus? The credit limits, high balances, and payment history are all being reported differently to each of the Credit Bureaus. This is in direct violation of my rights. 

I have attached the investigative results by TransUnion and a copy of my credit report with the errors circled in red. 


15 U.S.C Sec 1681 ( a ), if you can not provide proof this account is 100 % accurate then this account must be deleted. Please provide me with the original contract that I signed with my wet signature if you can not then It must be deleted from my credit report. I dont believe the information on the account is 100 % correct and needs to be deleted and all negative information removed. 15 U.S.C 1681 Section 602 A - I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 - A consumer reporting agency can not furnish an account without my permission.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/20XXXX 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 I AM A VICTIM OF IDENTITY THEFT
Product: Credit card

We noted a dip in XXXX XXXX in XXXX, XXXX. When further investigating this we saw an outstanding balance from Goldman Sachs. On XX/XX/XXXX we called XXXX card and found out XXXX card was sold to Marcus Goldman Sachs. Initially customer service could not verify our account since someone had changed the phone number, email address and mailing address in our account. Customer service was able to verify that we were account holder by looking at previous records and history. Apparently a new card had been issued and mailed to someone who claimed to be the account holder. That person made numerous charges to the account. Customer service told us that we were not liable for these charges and that they will submit a dispute claim. on XX/XX/XXXX we received an email saying our dispute was denied and that we were responsible for the charges. on XX/XX/XXXX we filed another claim disputing these charges, which was again denied by email on XX/XX/XXXX. We called the card company on XX/XX/XXXX and asked to receive the documentation they used to make that decision. All we got back via email was the same note saying the dispute was denied. All we want is for Marcus Goldman Sachs to reverse the charges and close our account and fix our credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX  XX/XX/XXXX and XXXX, there were 2 accounts opened by Macys when I had asked for a credit card. Un beknown to me they created 2nd account and sent me a card in the mail along with access to a digital card the day I had applied. I was unaware of the 2nd whole new account created. When I had made a purchase with the digital card, I had made my first payment on time and signed up for auto pay to make sure that it was being paid in full in the event i make a purchase. We had went to the store in person and made a purchase using the physical card, we were under the impression that the physical card was an extension of the digital one and they were linked and the bill would be auto paid as set up prior. Since Macy 's had 2 accounts created for me I was never made aware that i owed a balance on a separate credit card under my name. This resulted in a 60 day late show up on my credit report, and lowered my scores. 

I had asked Macys to fix this mistake. I was given one excuse after another. They would not acknowledge the 2 cards being opened, my credit report shows otherwise and I had to escalate the matter. Upon escalation, I was told there would be an investigation and this matter would be resolved... fast forward 2 weeks, receive a notice stating that they were not going to fix this. I have went above and beyond to resolve this matter and they are unwilling to correct the issue. There is no reason why I would want 2 credit cards opened with Macy 's and both created 1 day apart.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MYSECOND REQUEST. The unverified account on my credit file below remain on my credit in violation of Federal Law. FCRA requires you to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. I got a letter saying verified that these items are being reported correctly?

How was this done when the companies never even responded You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) + Section 611 ( a ) ( 1 ) ( A ) ( a contract with signature ) and under Section 611 ( 5 ) ( A ) of the FCRA Yall can delete the account below The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I deposited a payroll check into my bank account and it was put on a XXXX day fraud Hold. Ive tried yet contact my bank so they can call my employer to verify the check and theyre saying that theres nothing that I can do
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 USC 1681 XXXX CAR LOAN # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1618c. ( 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: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is saying that investigation results-verified as accurate. When I have proven on more than one occasion from 2018 to present that the information is not accurate and should be deleted from my credit report. And due to the fact that the collection agency XXXX XXXX XXXX is reporting that the loan type is an open account - as if Im paying them monthly, I have asked TransUnion to send me a copy of the provided proof of the alleged item, specifically the contact, note bearing my signature. And they have refused to send me any proof. I have been in correspondence with them for more than six straight months with still no proof but yet they continue to update on my credt. I contacted XXXX and was sent papers. I responded back and let them know that the information was inaccurate and incorrect and should be removed from my credit. And yet it still remains considering the Fraud and Ponzi Scheme that had them shut down and Assets frozen. But the documents will show