23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2018 I put a deposit on a XXXX XXXX XXXX XXXX XX/XX/2018 at XXXX XXXX in XXXX XXXX, The deal did not go thought, I left the XXXX XXXX in XXXX XXXX, with no car but the next day, XXXX XXXX XXXX XXXX XXXX Charged my credit card for XXXX I've talked to Citi and they have put the XXXX back on my card. I NEVER bought a car from XXXX XXXX. I have never purchased anything from any XXXX XXXX. I bought a XXXX XXXX XXXX XXXX. XXXX XXXX Has done nothing to help resolve this issue
Product: Mortgage

XXXX XXXX XXXX is the company her mortgage is at. 

I have sent documents proving I have the right to speak on behalf of her estate. They will not accept any of the documents signed by the judge and my letter of administration. 

Around the first week of XXXX : I called and was told to email Death Cert, Letter of Administration, and signed copy of the judge 's orders. Those documents were sent to XXXX Around XX/XX/XXXX : I called to see if the email was received. After 30 min on the phone, they confirmed the documents had been received but then said this was not how the process worked and they would have to send out a packet to fill out and return. 

Today : I called today and the firs agant I was speaking with ended up transferring me to XXXX XXXX She kept talking about how I needed to prove I had an ownership interest in the house and that the administrator needed to give him permission to speak about the loan. At this point, I explained for the umpteenth time that I am the administrator/executor. I told her that every time we call we get a different story and we are about ready to file a complaint with the Consumer Financial Protection Bureau. At this point, she offered to email a copy of the letter that was sent over ( they claimed in the past they could not email the information ). Her ID was XXXX XXXX XX/XX/2021 - Called and was transferred 3 times. Was transferred to an escalation specialist. Our conversation went like this : Agant ID XXXX  Was transferred a few times and the last person said " A specialist will call within one business day. I asked for her title, she said " Escalation specialist '' I asked for the name of the person who was supposed to call back she said " I can not disclose that information '' I asked for the department of the person who was supposed to call XXXX back and she said " I can not disclose that information '' I asked other questions. Every question I asked I got the same response. 


She stated it could take 60 days before this is processed. G
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX  Balance {$1300.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$640.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1000.00} Open Date XX/XX/XXXX 2023
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. 

XXXX / XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX  Account Number XXXX ; XXXX  XXXX Account Number XXXX ; DEPT OF ED/XXXX  Account Number XXXX ; XXXX XXXX XXXX XXXX Account Number XXXX ; XXXX XXXX XXXX Account Number XXXX ; XXXX XXXX XXXX XXXX Account Number XXXX ; US DEPT OF EDUCATION Account Number XXXX ; US DEPT OF EDUCATION Account Number XXXX ; XXXX Account XXXX XXXX ; US DEPT OF EDUCATION Account Number XXXX ; XXXX XXXXXXXX XXXX XXXX Account Number XXXX ; XXXX XXXX XXXX Account Number XXXX ; XXXXXXXX XXXX XXXX  XXXX Account Number XXXX ; XXXX XXXX XXXX Account Number 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 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

XX/XX/14 {$940.00} I have sent a debt validation letter to Resurgent Capital Services on behalf of XXXX XXXX XXXX. The company sent me a Account Summary Report with no signature. I do not have a signed contract nor any contract with Resurgent Capital Services. I have never done business with this company. I am not liable for the collection from this debt with XXXX XXXX XXXX. I am not responsible for this debt with Resurgent Capital Services. Fraud alert has been placed on my report multiple times. I'm a victim of identity theft and it has played a part in the account from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I issued a CFPB claim against Accounts receivable report number XXXX. Accounts receivable states that it has not re-aged the negative debt account number XXXX { See attached X-1,2 } My XXXX  and and XXXX  credit report dated XXXX { See Attached X-3,4 } show that the date of first delinquency as XXXX and an on record date until XXXX, XXXX. This contradicts the statement accounts receivable stated on XXXX that XXXX XXXX XXXX XXXX charged off the debt XX/XX/XXXX CFPB report XXXX { see attached X-1,2 } This in turn would mean a 12 year negative debt reflected on my credit report, this is well passed the statute of limitations of 7 years. The debt has been re-aged by accounts receivable, it's statements are frivolous and false and have no merit. Accounts receivable is in violation of the fair credit reporting act and has violated my rights. 


Accounts receivable states in their response to CFPB report number XXXX { see attached X-1,2 } dated XXXX that consumers current address is listed on the statements it provided to verify the debt which is XXXX XXXX  XXXX XXXX WA XXXX. This is not my current address and have never lived at that address. I have enclosed XXXX  credit report dated XXXX to reflect my current address and previous addresses dated XXXX { see attached X-5 } I  was never notified of this debt in writing to challenge the validity of the debt. this is a violation of the fair credit reporting act and must be deleted from my credit file. 


Accounts receivables has blatantly provided false statements to The CFPB about this debt 's current status along with false statements of validity of the debt. Accounts receivable claims has no merit and must be removed from my 3 credit reports. My Fair credit reporting rights have been violated as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23, I sent a letter regarding inaccurate and unknown inquiries on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage f and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I Received verification/ Letters / EMAIL that XXXX XXXX XXXX XXXX XXXX XXXX has been PAID/COLLECTION CANCELED TO BE REMOVED FROM ALL 3 MAJOR CREDIT REPORTING AGENCIES!!!!!

ACCORDING TO CONSUMER PROTECTION FEDERAL SERVICES AND THE FCRA, AND THE FEDERAL TRADE COMMISSION!!!!

15 USC 1681 ( A ) ( B ) ( C ) ( E ) STATING INACCURATE INFORMATION AND THE RIGHT TO PRIVACY AND ETC!!!!

I WANT TO SUE FOR MONETARY DAMAGES FOR ALL THESE YEARS STATING ALL THESE ERRORS ON MY 3 MAJOR CREDIT REPORTING AGENCIES ACCOUNTS!!!

ALL 3 MAJOR CREDIT REPORTING AGENCIES SHOULD REPORT EXACTLY, ACCURATE SAME INFORMATION!!

THIS HAS BEEN 2 TO 3 YEARS DISPUTING THESE 2 OR MORE ACCOUNTS!!

30 TO 90 DAYS IS THE LAW TO REMOVE THESE PROVEN TO EXTEND PAST 30 TO 90 DAYS AUTOMATICALLY SHOULD BE REMOVED FROM ALL 3 CREDIT REPORTING AGENCIES!!
Product: Debt collection

This Debt was incurred as a result of my former landlord or new tenant? keeping the power on in my name long after I left the home. I had sought him out but he lives in XXXX now. This Bill is {$580.00} dollars but when I left the house the bill was closed. I'm not sure If the new residents continued service or turned the service back on in my name using an old bill that come to the house but this debt is not mine. I wish to have this account removed from my credit report as it is totally fraudulent. I had no idea about this bill until it appeared as an unpaid debt on my credit report.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL, XXXX ; XXXX XXXXXXXX XXXX XXXX, FL, XXXX ; XXXX XXXX XXXX, XXXX, FL, XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$2700.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$2700.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry is unauthorized. I already sent a letter to XXXX, XXXX  and Transunion multiple times but until now, this still is being reported. I never authorized this company to run my file.
Product: Credit card or prepaid card

I have an Credit Card from Capital One. credit limit was {$3000.00}. XXXX I used the card up to {$3000.00} and was paying minimum payment due. the card was stopped by company and account closed. I was still paying minimum due. Suddenly I received the statement for {$6000.00} I called Capital One representative to enquire about the charges and requested that how some one can use closed account card and over the credit card limit and use it for {$3000.00}. I requested for an inquiry. Which they promised that they will start an inquiry. 
In between I called Capital One many times every time I got the answer that they are inquiring the case. Now I got a letter from collection agency that they represent Capital One and I should pay the amount otherwise they will take me to court. I called collection agency 's agent XXXX  XXXX on XX/XX/XXXX and explained to him everything but he threatens to take me to court. 

I need your help in solving this problem.
Product: Debt collection

i told them this debt was because of identity theft and they will not respond to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account has unverified information without providing any proof within the period allowed by law. The account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00}
Product: Checking or savings account

I am a victim of identity theft and I have never applied for or opened any checking or savings account with U.S. Bank because I was XXXX from XX/XX/XXXX until XX/XX/XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXXXXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) XXXX, XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( ORIGINAL CREDITOR : XXXXXXXX XXXX ) XXXX, XXXX XXXX ( ORIGINAL CREDITOR : XXXXXXXX XXXX  ) XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX because all three credit bureaus, Equifax, XXXX  and XXXX deleted the XXXX  XXXX account. I received an alert today. When I spoke to the bureaus informing them that they deleted the creditor which I paid the account to a XXXX  balance, which by deleting the account it decreased my credit score. The 3 bureaus indicated that XXXX XXXX deleted the account and they are the ones who have to reinsert the account back to the 3 bureaus. I had previously discussed this issue with XXXX XXXX because the account was showing deleted from XXXX, I received an alert about the deletion. Well, instead of reinserting the paid credit card account, it was deleted from all 3 credit bureaus. I called XXXX XXXX today XX/XX/20 after speaking with the bureaus and explained to the representative that according to the 3 bureaus that they, XXXX XXXX had deleted the account from the bureaus and they stated that XXXX XXXX had to reinsert. She didnt comprehend what I was stating, therefore I requested to speak with a supervisor. She connected me to an individual by the name of XXXX, who was extremely rude and unprofessional and he did not have a clue whatsoever in regards to what he was talking about. Hes telling me that the account was deleted from the credit reports because of Corvid 19. I stated to him, that had nothing to do with my account. I paid the account months before the Coronavirus and the account reflected a XXXX balance. I tried to explain to him that the only thing could have possibly been inserted on the credit reports in general was that it was perhaps a notation of a major disaster, and not reporting late payments for 90 days. I tried to tell him that isnt what was going on in my case. I tried to tell him the account was paid out before the coronavirus and there was no need for my account to be deleted and he again said that is why it was deleted. This XXXX character, from XXXX, FL, kept cutting me off, telling me to wait, informing me I dont know what Im talking about, when I was merely trying to explain what transpired. I got upset and raised my voice and informed him, he was no help, extremely unprofessional, hes extremely rude, clueless and I would like to speak to someone else. He refused & nastily said, he could not help me. He needs to be terminated.
Product: Debt collection

Saw on credit report a collections line. Never received notice from this debt collection agency nor was offered the ability to verify the debt.
Just filed a formal letter to agency for resolution. However adding a collections line without sending a notification letter is improper. Company is Diversified Adjustment Solutions from
XXXX XXXX, MN.
Product: Debt collection

MIDLANDCRE is claiming that I owe them {$630.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed 2 rounds of disputes for a few accounts with this credit bureau. the first round of disputes were on XX/XX/22, to verify the accounts. and the second round of disputes on the XX/XX//22 for inaccurate information and illegal collection fees. I have not heard from them and it has been 30 days. I would like the accounts in question to be deleted from my credit report.
Product: Checking or savings account

Twice in the past week I have requested that my account be closed at XXXX. Instead of closing my account, I get an automated message telling me to try again later. I just want my checking account closed. Why is that so hard? 

I also want my XXXX account closed.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in on those accounts to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. XXXX XXXX XXXX XXXX XXXX, Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received my dispute results from Equifax in the mail. Their reinvestigation showed that they removed two unauthorized inquires from my credit report. XXXX XXXX XXXX, XXXX and XXXX XXXX. Upon checking my Equifax credit report today, XX/XX/2020 I noticed that both the inquiries from XXXX XXXX XXXX XXXX, XXXX  and XXXX XXXX are still reporting on my credit file. Enclosed in this complaint : Theft Report, Letter to Equifax, Drivers License & Social Security Card, Proof of Residence, Equifax Credit Report, and FCRA 605B.
Product: Credit reporting or other personal consumer reports

I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over XXXX  days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against the Experian for failing to properly investigate my disputes regarding an inaccuracies in my credit report. despite my submissions, experience consistently response 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, Experian '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 Experian complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I have marked as inaccurate : XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX