23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed a fraudulent account. 



XXXX XXXX XXXX | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX  | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX XXXX XXXX XXXX  | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX XXXX. | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX XXXX | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX XXXX | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX XXXX  | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX XXXX | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft.
Product: Credit reporting or other personal consumer reports

This is regarding previous complaint XXXX. On XX/XX/2024 Lexis Nexis responded to the above listed complaint claiming that they contacted me on XX/XX/2024 about my previous complaint on XX/XX/2024 demanding I provide more personal identifying information like my Social Security Number, Date of Birth, state license and more.. Lexis Nexis Responded through the CFPB claiming that I did not provide a response. This was a complete lie and this company is clearly attempting to deceive the CFPB and me the consumer in order to cause unessecary delay and hardships to me. Instead of correcting the false, incomplete and unverifiable information Lexis Nexis prefers to deceive and misrepresent. Attached is their response to the previous complaint, an email sent to them containing all the requested information to process my dispute, a phone log of me being on the phone with them for over half an hour were I provided all the information requested only to be disregarded by their agent XXXX and being hung up. This proves that I did in fact provide the requested information ( even though it is a complete invasion of my privacy ) and being ignored.
Product: Credit reporting

I am having a problem with Portfolio Recovery Associates. They are reporting an account with a balance of {$1300.00} where the original creditor was XXXX XXXX to XXXX and XXXX. I have written them multiple times requesting evidence that bears my signature that shows I have a contractual obligation to pay Portfolio Recovery Associates. I have not received any evidence that I have requested and they are still reporting this account to the Credit Bureaus.
Product: Credit card or prepaid card

IN XXXX OF 2021 I DISCOVERED THAT A FRAUDULENT CREDIT CARD WITH CHASE BANK HAD BEEN OPENED UNDER MY NAME. THE BALANCE WAS XXXX USD AND ALL OF THE TRANSACTIONS WERE MADE ON XX/XX/2021 IN XXXX, ARIZONA. 
I IMMEDIATELY CALLED THE BANK AND THEY CANCELED THE CREDIT CARD. I ALSO WENT TO THE POLICE TO FILE A REPORT AND CALLED THE XXXX CREDIT BUREAUS TO INFORM THEM THAT I HAD BEEN A VICTIM OF IDENTITY THEFT AND PUT A FREEZE ON MY CREDIT.
Product: Debt or credit management

Received a letter from the irs concerning additional income. Tried reaching the company to get the tax form needed. Company never called back. I left multiple messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

My son and I share the same name, XXXX XXXX. On XX/XX/XXXX of 2020 his XXXX  Bill XXXX cable ) acct # XXXX at address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX went into collections for approx {$290.00} in past due charges. This collection amount was erroneously reported on my credit report. I have disputed with equifax and the investigation was not resolved, I have contacted XXXX  on numerous occasions, we have been able to verify the account was opened under my sons SSN and that my account balance is XXXX  for my services but XXXX  and the debt collection company have not removed the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to XXXX  on XX/XX/15 regarding charges for United Revenue. I was NEVER seen on the dates listed and disputed the charges. The collection company has failed to send documentation signed my ME showing this was me because AGAIN I WAS NEVER there. During the dispute XXXX confirms this was verified and this continue to remain on my credit report. This is not correct and need to be removed.
Product: Credit reporting or other personal consumer reports

The XX/XX/year> XX/XX/year> I respectfully requested that the inaccurate information be deleted/updated from my credit report. Additionally, I asked that they verify the accuracy of this information and provide me with a detailed explanation of the steps taken during the dispute process. 

Was not performed and dispute response/dispute was not done within a timely manner.
Product: Credit reporting or other personal consumer reports

WESTLAKE Financial is reporting a closed and written off account to all XXXX credit Bureaus. Account closed XX/XX/year> *** The statute of limitations for a financial institution to file a Form 1099-C, which reports cancellation of debt, is generally set by the IRS guidelines XXXX Financial institutions must file the form by XX/XX/XXXX of the year following the cancellation of debt. 

No 1099C as been submitted to me and westkale financial is attempting to collect funds on a reportly closed and charged off account Fair Credit Reporting Act ( FCRA ) - **15 U.S.C. 1681s-2 ( a ) ** : Requires that information provided to credit reporting agencies be accurate. Reporting a debt as both closed and written off while attempting to collect may be considered misleading.

- **15 U.S.C. 1681i** : Provides consumers the right to dispute inaccuracies in their credit reports, emphasizing the importance of accurate reporting. Fair Debt Collection Practices Act ( FDCPA ) - **15 U.S.C. 1692e** : Prohibits debt collectors from using false, deceptive, or misleading representations in connection with the collection of any debt. This includes misrepresenting the status of a debt.

- **15 U.S.C. 1692f** : Prohibits unfair or unconscionable means to collect or attempt to collect any debt.
Product: Credit card or prepaid card

I enrolled my credit card debt with a company called XXXX XXXX XXXX and two of my credit cards are with Capital One. Capital One closed my accounts and accepted the written proposal and deal from XXXX XXXX XXXX for a set amount each month. By accepting this deal it wipes out any past due amounts and reduces the interest rates and fees that allows me to get the credit cards paid off within a 3.5 year period.

Capital one keeps sending me notices stating that i owe 400.00+ on one card for the monthly payment and then 350.00+ for the monthly payment for the other one. This is incorrect and I feel that Capital one is trying to report me to the credit bureaus as late each month even though they have received their payments from the XXXX XXXX and this practice is just unprofessional and bad. They accept a deal but then try to collect more than they accepted.

This company is proving to be dirty and bad and as a consumer I need the CFPB to step in and make this company abide by the deal that they accepted. I could have simply stopped paying on the cards and defaulted but I did not want to do that and now they try to treat me like this. They are in blatant violation of this agreement and they need to be investigated for it.

They have no choice but to report my credit card as current each month because they have accepted an agreement from XXXX  for a specific monthly payment and they have been receiving those payments each month. This is simply a case of a credit card company trying to extort more money from me outside the terms and conditions of the credit counseling group. They need to be held responsible for any and all incorrect credit reporting they are doing to me.
Product: Credit reporting

I accidentally attached the wrong image to my last request so I am re-submitting it. 

We canceled the time share within the allotted time based on our contract. XXXX XXXX and XXXX both stopped reporting the XXXX tradeline ( after several rounds of credit bureau disputing ) however, Experian is still reporting it. Additionally, Experian is reporting the debt as currently past due with brand new lates each and every month. The true date of last activity was back in XX/XX/XXXX. This is causing us to not be able to close escrow on our home. We just extended escrow 30 days but, must have the incorrect current lates removed and the account removed all together from our credit reports by XX/XX/XXXX.
Product: Credit card or prepaid card

Some time ago, I sent Chase a letter informing you that I will be sending a check with a conditional endorsement which laid out the terms of an accord. USPS shows that the company received this letter l as shown in the attached copy of my certified mail receipt below and according to USPSs mail tracking website. 

Also, attached is this letter is a copy of cashed checked which proves that they failed to honor the conditions set forth by the check to delete the negative reporting from my credit report. I have attached a screenshot of my credit report proving that the company broke the accord set forth by the conditional endorsement check they have cashed.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681Accuracy and fairness of credit reporting with this being mentioned I have found several inaccuracies on my report with late payments and I have them listed below XXXX XXXX XXXX XXXX XXXX XXXX late payments did not happen and this account was paid on time. All XXXX bureaus show different payment history and needs to be fixed. KIKOFF XXXX late payments did not happen and this account was paid on time. All 3 bureaus show different payment history and needs to be fixed. XXXX XXXXXXXX late payments did not happen and this account was paid on time. All 3 bureaus show different payment history and needs to be fixed.
Product: Credit card or prepaid card

I received a disturbing email XX/XX/2017 claiming to be from Capital One that my account was going to be closed due to inactivity. I promptly called the number on my credit card to take steps to keep the account open, as this is my first and oldest credit account. The representative claimed that the account was already closed. Today, XX/X/2017, I received a new card from Capital One. After activating the card, I reviewed my account online to confirm it was activated with available credit. However, when trying to use my card it was declined. 

I called Capital One again for an explanation as to why the new card was not working, and received the response that the account was scheduled to close, and the restriction would not be removed under any circumstances. 

The most troubling part of this experience is that Capital One did not provide any advance notice before taking this action. As a consumer, I was completely blindsided and disappointed that Capital One had not bothered to provide any prior notice. Had Capital One reached out to me or tried to work with me I would have easily taken the necessary steps to keep the account active. 

As this is my first and oldest credit account, Capital One is adversely affecting my " length of credit history '' as it relates to my credit score and history.
Product: Credit card or prepaid card

I received a mail stating that my account is closed due to unusual payment activity. However, I have never made a payment to this account. Please give me an explanation on why the account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i filled an online dispute # XXXX with Equifax that was incorrect also with XXXX XXXX dispute # XXXX and XXXX  dispute # XXXX please have it removed.
Product: Credit card or prepaid card

On XX/XX/XXXX utilizing my CHASE XXXX XXXX Credit Card, I purchase two tickets to XXXX valued at {$6400.00} and shortly after that, the pandemic hit and all travel to XXXX .was denied to Americans. At that time XXXX advised me that I will have a credit to use until XXXX, I asked for a refund and they told me that was not an option. Since my intent was to travel to XXXX I left it as a credit. Well here we are in XXXX and XXXX is still closed to Americans and I no longer have a need to travel to XXXX. I've tried to work with XXXX and they told me that my ticket was non refundable. I reached out to my Chase XXXX  and they told me that the 60 day time limit had passed for me to dispute a charge. I'm confused as to how I am being held to this timeline when in fact the pandemic has been going on for two years and I will not be able to travel to XXXX and eventually lose my credit.
Product: Checking or savings account

This is for a Business Checking account with Bank Of America. One of our X employee cashed his paychecks ( multiple paychecks ) Twice. Bank of America failed to catch that same checks were being cashed twice. On multiples of checks, all cashed twice. 
We opened a Claim on XXXX : Claim # XXXX Amount of all checks cashed {$6500.00} Bank of America Fraud Dept . never follow up., We kept a log calling them., They kept on delaying. They made me go through providing copies of checks and having them notarized, while all along they should have all these records in their own system. Now they denied my claim stating time has passed and they can not help me. We opened a request to reconsider. No one ever followed up until I followed up myself and I am told, tough out of luck, time has passed and they will not reverse these funds back to me. This is OUT RIGHT FRAUD. The MOST BASIC function of a bank is to NOT CASH any check TWICE. They failed to do that on multiples of occasions,. When we saw it and caught up to it, they are hiding behind time limit. This is a FRAUD and we need help in getting protected and hold this bank accountable.
Product: Debt collection

XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX Portfolio Rc Opened XX/XX/XXXX - {$450.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Portfolio Rc Opened XX/XX/XXXX - {$450.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am filling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's action 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. 


These are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXXXXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

XX/XX/2021 To whom it may concern at the Consumer Financial Protection Bureau : Today I received the attached collection letter from a collection agency by the name of, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 

And I would like to file a complaint against both of the above named collection agencies, and I am disputing this debt through your agency, because I do not owe it, and I want LVNV, and this XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, to cease and desist from harassing, and contacting me about this debt that I do not owe. 

I have had no dealings with Capital One for almost 2 years, and I do not owe this fraudulent collection that I am being charged with. 
I have previously disputed this fraudulent debt with Capital One, and yet they insist on slandering my credit with a debt that they know full well, that they have run up. 

Capital One has wrongfully and maliciously ran up this debt with fraudulent charges and fees that I do not owe to them, and they are passing this fraudulent information onto these shyster collection agencies to use harassment tactics to try and collect. 

XXXX XXXX places themselves onto consumers credit files with fraudulent status date information trying to make their fraudulent collections look as though these are debts that the consumer has recently had dealings with, as recently as 2021. 
And I want theirs, as well as this XXXX XXXX Solutions, LLCs false information removed from all of my credit files. 

On consumers credit files XXXX  places themselves, and thieving Capital One will also be on the credit files as well, destroying consumers credit files with 2 false fraudulent collections for the same debt. 

And if they use other collection names like this XXXX, they will also add them as well to the credit files, so the consumer is left battling to get off 3 collections that have been placed onto their credit files for the same false collection information. 

Capital One has no problem doctoring up statement information to make it look as though their information is accurate, and XXXX XXXX has no problem running with it. 

As previously stated, I am disputing the collection, and I want any and all derogatory information removed from all of my credit files. 

This SXXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX and all of their other related affiliates, are claiming that they have the right to pass on any, and all of my private information, and I want to contest that. 

By Law, just because they are collection agencies shouldnt give them the right to invade my privacy, and pass on my private information on to whomever they feel like they want to, and I would like your assistance dealing with that. 

XXXX XXXX XXXX, and their affiliates have a way of handling their companies as though they are above the law, and they can do as they please, and as stated above, I should have rights, and I dont feel that they should have free reign with my private information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to validate accounts on XXXX to.. I didn't hear anything from them so I filed a complaint XXXX with you guys. According to FCRA reporting agencies have 30 days to validate disputed items. It took them longer than 30 days therefore my request to remove disputed accounts should be honored. I have attached the letters which state the date of Equifax response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX  XXXX Balance : {$9900.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX  XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022.