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

I previously disputed a charge to my Discover credit card account in the amount of {$250.00}. As I explained before, this charge came from XXXX XXXX XXXX. This clinic was illegally providing medical treatment to unsuspecting patients. They were falsely advertising their business as medical spa when it was actually a day spa. They have no medical doctor at their clinic and all medical assessment was done by either a nurse or esthetician when it should have a medical doctor. If I had known earlier of their illegal activities I would gone to legitimate med spa clinic for my laser treatment. They deceived me and took advantage of me. They also put my health at risk. Therefore, I ask for a full refund of {$250.00} through charge back. After Discover received a treatment form and sales receipt from the vendor, they concluded that the transaction was legitimate and decided to take the side of the merchant. I feel Discover did not do a due diligence when making an investigation. The documents they received were not enough to establish the legitimacy of the transactions. I only have one simple request at this point. If Discover could reopen the case, they need to contact XXXX XXXX XXXX to provide a one page copy of Fictitious Name permit issued by the medical board showing the name of their business XXXX XXXX XXXX. This is the only proof that their business is legit and authorized to provide medical treatment. Otherwise, Discover needs to issue me a full refund by charging back the vendor. Current complaint ID XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- STUDENT ACCOUNTS 1. DEPT OF EDUCATIONXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. DEPT OF EDUCATIONXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

3. DEPT OF EDUCATIONXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. DEPT OF EDUCATIONXXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit card

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. NATIONAL CREDIT ADJUST XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX the credit bureaus adopted a new policy : tax liens and judgments will be removed from credit reports if they do not include the proper information identifying them to the individual. 

On XX/XX/XXXX I sent a letter to all three credit bureaus requesting that the following judgement be removed from my credit report due to the adopted new policy. 

XXXX XXXX Account # XXXX TransUnion XXXX the judgement and then added XXXX XXXX to my credit report as a collections account. According to Florida State Statute 95.11 ( a ) ( b ), a debt is no longer legally collectible after five years, thus making this debt no longer legally collectible. 

In XX/XX/XXXX, I was denied credit and requested a free copy of my credit report from all three credit bureaus. 

In XX/XX/XXXX, I received my free TransUnion credit report. I mailed a certified letter to dispute the XXXX XXXX collections and several other accounts that are listed on my credit report. 

XX/XX/XXXX, I received the results of TransUnions investigation. TransUnion stated that XXXX XXXX was Verified as Accurate and Updated. When I received my updated FICO score in XX/XX/XXXX, I noticed a 21 point drop in my FICO score. When I inquired as to why there was a significant drop in my score, the report states Presence of serious delinquency and public record or collection. 

Prior to me disputing the accounts on my credit report. My FICO score history was as follows : XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  According to the free TransUnion report I received in XX/XX/XXXX, Portfolio Recovery was showing on my credit report as a collections account and my score at said time was XXXX. However, after I disputed the XXXX XXXX my score dropped 21 points because of the presence of serious delinquency and public record or collection account appearing on my credit report. 

This leads me to believe that when TransUnion verified and updated my credit report, they reported the debt as new, which is called re-aging. This being the reason why my FICO score dropped 21 points. 

A creditor or collection agency that deliberately changes the date of a debt for the purposes of making it show up on my credit history or appear to be within the statue of limitations is breaking the law. 


Uploaded : Letter of Dispute XX/XX/XXXX credit report XX/XX/XXXX credit report XXXX FICO score report TransUnion XXXX FICO score report
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days,

pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Vehicle loan or lease

This is an associated complaint with IFS and XXXX XXXX XXXX XXXX XXXX. IFS brokered this loan. 


I applied for a loan with Innovative funding services to attempt to get a lower auto loan rate. I believed IFS was a direct lender they are not. My loan was placed with XXXX XXXX XXXX XXXX XXXX and that is where the issues began. I was charged {$400.00} to obtain this auto refinance. XXXX XXXX XXXX XXXX XXXX will not allow external accounts to be added to their web site. You have to pay by debit card and there is a {$15.00} fee, furthermore when I attempted to refinance out of this auto loan they ( XXXX ) took a {$2500.00} payment from me with my permission and I was charged XXXX by my other bank. They did not inform me this would be considered an OTC cash advance. This credit union is a very deceptive institution and should not be allowed to stain the XXXX XXXX name. Being a XXXX XXXX veteran myself I have watched these institutions prey on XXXX XXXX and veterans for many years. This credit union never offered GAP coverage or a warranty. Their APR is almost % 10 which is ludicrous. They need to disclose their fees and the fact you can not add an external account making a payment difficult. I am still awaiting my title from this institution as well and they say that IFS is handling that. When contacted IFS states they took care of it. XXXX XXXX XXXX XXXX XXXX and IFS should not be allowed to take advantage of consumers in this way. IFS does not accept direct payments so to get out from under this nightmare I refinanced again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone tried to obtain an auto loan without my knowledge nor consent.
Product: Credit reporting or other personal consumer reports

After reviewing My credit report I'm not satisfied with the results after sending out Certified Letters asking for Verification in reference to the Accounts in Question.XXXX XXXX  # XXXX, Original Balance {$760.00} Balance Updated XXXX, Date Opened XXXX, XXXX XXXX XXXX Original Balance {$740.00} XXXX XXXX XXXX, Account # XXXX, Date Opened XXXX, XXXX have never had any business transactions with either Company. XXXX XXXX  Account # XXXX, XXXX {$1600.00} Credit Limit {$1200.00}. XXXX XXXX Account # XXXX, Balance {$670.00}, Credit Limit {$500.00} Balance Updated XXXX, XXXX XXXX XXXX # XXXX, Balance {$1100.00}, Credit Limit {$700.00} Account is reporting ( XXXX Potentially Negative Months ) with ( No Starting Date ) nor ( Date of Last Activity ). XXXX XXXX XXXX # XXXX, Account Status : CLOSED Balance {$780.00} Credit Limit $ XXXX Updated XXXX, XXXXThe Fair Credit Reporting Act ( FCRA ) ,15 U.S.C.1681 et seq., is legislation enacted to promote the accuracy, fairness, and privacy of consumers information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information
Product: Credit card

I was charged a late fee and I don't understand why ; I don't think it was disclosed in the cardmember agreement.
Product: Credit reporting or other personal consumer reports

" According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy ''. XXXX, Transunion, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXX XXXX & XXXX XXXX, XXXX are a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions of the consumer to whom it relates. '' The financial institutions XXXX XXXX & XXXX XXXX, XXXX and the Consumer reporting agencies XXXX, XXXX, and TransUnion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and TransUnion, XXXX XXXX & XXXX XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may no disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX, XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 USC CODE 1681 s-2 ( A ) ( I ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate. 15 U.S CODE 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX, XXXX, and TransUnion, are not maintaining reasonable procedures. Also 12CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services. ''
Product: Debt collection

LVNV is a debt buyer that sent a letter threatening a law suit which I disregarded based on no knowledge of the accounts in question.

From the date I first noticed LVNV on my credit report I sent letters requesting a copy of their purchase agreement and their rights to pursue the collections in the state of Alabama. I did this personally and also hiresd several firms to have them removed from my credit report and never had any of my requests answered.

I recently sent a cease and desist letter stating my concerns with LVNV having my personal information and attempting to prevent me from a home purchase through fraudulent means of collections/judgements. In that letter I requested the purchase agreement and their license to collect on a debt in the state of Alabama among other things and was ignored as usual.
Product: Debt collection

I received a payday loan from XXXX XXXX in XXXX, the account has been turned over to a debt collector, National Credit Adjusters. The balance owed was {$400.00} and I negotiated a 50 % settlement in the amount of {$200.00} which was paid on XX/XX/XXXX and my account was paid in full. Since then, NCA has reported to the Credit Bureaus that I still have a balance of {$200.00} and that it is late as of XXXX XXXX. I contacted NCA and spoke to a representative to resolve the issue and was told that they reported it as a balance. I explained to them that I have documentation showing that my balance is paid in full and that when they made the report to the Credit Bureaus they should've reported it as paid in full. This is unacceptable and its affecting my credit score. I am requesting assistance in rectifying this situation. Thank you!
Product: Credit reporting or other personal consumer reports

CFPB Complaint No. XXXX Incomplete Investigation and Request for Address Correction I am writing to address the recent communication from Experian regarding the completion of an investigation tied to my CFPB complaint ( No. XXXX ). The investigation is not complete, as there remains an unresolved issue regarding the address listed on my credit report. 

As I have previously detailed, the address associated with the following identifiers : Address : XXXX XXXX XXXX, XXXX, PA XXXX Address ID : XXXX Geographical Code : XXXX is incorrect, unmailable, non-deliverable, and therefore inaccurate. This continued inaccuracy is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under section 1681. 

Despite your claim of a completed investigation, this address still appears on my credit report. To rectify this situation and ensure compliance with the FCRA, I am once again providing a recent utility bill and my state-issued identification as proof of my correct address. 

I am formally requesting the immediate deletion and update of the inaccurate address information from my credit profile. The persistence of this inaccurate information can have detrimental effects on my credit standing and overall financial health. 

Please expediently process this request and provide written confirmation once the erroneous address has been removed and my credit information has been correctly updated. 

I appreciate your prompt attention to this matter and expect a response within the statutory timeframe. 

Thank you for your cooperation. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I have filed disputes in regards to XXXX and they are refusing to delete this account or close this account and rmove the late payments per FCRA.I have received the dispute results that your company has sent me, however, they have failed to make ANY corrections whatsoever NOTHING WAS CORRECTED XXXX, XXXX, XXXX. So, Im just so freaking frustrated and ticked off and hurt right now. Because while I understand that it may not necessarily be your fault, the fact of the matter is that this agency is still reporting and selling inaccurate information about me even though there are credit reporting laws which are supposed to ensure they report only accurate credit information. Your agency has blatantly ignored my dispute and have responded to me with these accounts being updated or remaining. Nonetheless, I have found 0 updates and have contacted creditors who have confessed to having no record of a dispute about me from your agency. This makes me absolutely sick to my stomach as Im sure it would the same for you if you were in my shoes! Regardless of what, Im writing to let you know that Ive been advised by legal counsel that Im entitled to recover money damages because of this.

Every last one of these accounts are reporting information which varies from bureau to bureau so that in and of itself proves that these accounts are reporting inaccurately AND ALSO for some of them - I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act, I demand a re-investigation and deletion of these accounts and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, Im going to assume that 30 days constitutes more than enough Reasonable Time for the re-investigation and correction of my credit report ( specifically these accounts listed below ). Here are the accounts in error : XXXX
Product: Credit card or prepaid card

I have been paying off a card that have been unable to use or close. I received my First Progress Card in XX/XX/XXXX. I misplaced my card in XX/XX/XXXX after moving from my apartment, soI decided to close my account. I never made a single transaction. My credit utilization has gone up without me ever using the card. I do not remember the card number, except for the last four digits. This is because First Progress takes the monthly payment from the card itself, which is about 1/4th of the full credit limit, and not directly from my bank account, which makes the card virtually unusable if I want to remain under 30 % credit usage. I originally set up auto-payments to withdraw from my bank account to pay my card off. 

First Progress only allows contact to their representatives over the phone, so I called the number on their website. Nobody answered. I called multiple times over the course of XXXX, but still nothing. First Progress does not communicate back and forth with customers through email ; all the emails are " no reply. '' I stopped automatic withdrawals from my account, and I was charged a late fee, which dropped my credit score.

I have been paying off this unusable card that I am unable to close, with no reliable way of reaching out to First Progress.
Product: Payday loan, title loan, personal loan, or advance loan

The fees turned out to be much more than loan itself. I will take me years to pay off.
Product: Credit reporting, credit repair services, 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 accounts 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 : XXXX CARD XXXX, XXXX CARD XXXX and XXXX CARD XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my TD Bank account to the fraudulent investment firm.
Product: Debt collection

I sent a certified letter to CREDIT CONTROL on XX/XX/2024, asking for VERIFICATION AND VALIDATION of alleged debt owed. As of today 's date XX/XX/2024 I have not received any correspondence from this company., In the letter I also asked that they promptly delete any and all prior consumer reporting made to any CRAs. 
Therefore, I am asking that this information that they have illegally placed on my credit report be removed from all credit bureaus. 

CERTIFIED # XXXX XXXX XXXX XXXX
Product: Debt collection

I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to this complaint. I contacted FLAGSHIP CREDIT ACCEPT about an account that they are reporting to my credit report. They are reporting the account fraudulently and without my authorization and consent. They claim that I owe them balances on debt accounts but they have not provided VALIDATION that a contract exists between myself and FLAGSHIP CREDIT ACCEPT. If no contractual obligation exists between us then how could I legitimately owe them for any debt? 

If FLAGSHIP CREDIT ACCEPT continues furnishing, reporting, and making attempts to collect debt that does not belong to me then I will have to include them in an arbitration claim for violation of the FCRA, FDCPA, and for aggravated identity theft. Please see FLAGSHIP CREDIT ACCEPT 's info in identity theft report attached
Product: Credit reporting or other personal consumer reports

On XXXXXX/XX/XXXX a collection account was placed on my credit report for an account previously paid in full. I disputed and submitted the proof in XX/XX/XXXX that the balance of {$1000.00} was paid on XXXX  And received and email on XXXXXX/XX/XXXX saying my new balance owed is XXXX. And it's still sitting on my credit report. The account information below : Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XXXX  Status Collection account. {$1.00}, XXXX