23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Choice Recovery services filed a notification with the credit bureaus indicated I owed a debt to XXXX XXXX XXXX  This negatively impacted by credit status by nearly 100 points. 

1. The debt was false - I did not owe XXXX XXXX XXXX. 
2. Choice recovery services refused to remove the debt from my name and update the credit bureaus, nor did the check with XXXX to verify the debt. 
3. I contacted XXXX, who verified the debt was false and was not owed to them. 
4. I contacted the Credit Bureaus and Choice Recovery rejected my dispute indicating it was still correct. 
5. I contacted XXXX again, they contacted Choice Recovery to have to the collection removed. 
6. Choice responded by saying that the debt had been paid as of XX/XX/2021 - they did not indicate that they had made a false report to the credit bureau, and my credit rating is still negatively impacted. 
7. Spoke with Choice again today, and they said the only thing they can/will do is notify that bureaus that the debt has been satisfied.
Product: Checking or savings account

I have an account that would soon be voted by Chase Bank and on XXXX  XX/XX/XXXX I received a text saying that they are going to closed my account due to a fraud or suspicious activity with my bank account and they wanted information and to take action before they are to close my account I called the customer support service and I told them that the check that was deposited with the amount of {$7100.00} into my account was legitimate but it was placed on hold and later XXXX returned and refunded back to the payer who made an online deposit for the deposited check so I want to file a complaint in XXXX  to make sure that the check is really legitimate and not fraud or suspicious activity and that I want my account to be reopened
Product: Credit reporting or other personal consumer reports

I purchased and financed my car with XXXX XXXX XXXX in 2015. I missed several payments and XXXX placed the account in a negative status. I recently paid off the remaining balance. XXXX updated this account to the credit reporting agencies. I later contacted XXXX XXXX XXXX and informed them that the Statute of Limitations had expired and requested that they delete this account from all credit reporting agencies. XXXX deleted this account but XXXX and TransUnion did not. In fact, TransUnion told me to contact CFPB to resolve this issue in a speedy manner, since I need to resolve this matter. I would appreciate your efforts and actions on my behalf. 

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

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$4900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working for months to resolve an incorrect late payment on my credit report. XXXX says to dispute it with the credit bureaus, they say XXXX needs to correctly report the account as never late. As usual the consumer gets XXXX by these negligent companies that make you go through 30 min. of security hoops and hold times every time you try to contact them. 

In XXXXXXXX XXXX  an unauthorized {$2.00} charge was made on my mom 's XXXX card without her knowledge and went unnoticed. She was subsequently in and out of the hospital and did not check her statement, since the account balance ( as far as she knew ) was XXXX. XXXX reported this as 2 late payments, 60 days and 30 days. 

My mom called XXXX when she learned of the issue and replaced the card, and added me as an authorized signer to try to help resolve the problem. The 60 day late payment was removed, but not the 30 day late payment, which is still on there damaging my mom 's and my credit score. 

XXXX continues, month after month, to claim that they have fixed the issue and are not reporting the late payment any more, and that I should dispute with the credit bureaus it if I want it resolved quickly. The credit bureaus insist that they are accurately reporting it and that XXXX is still reporting a late payment. The last time I contacted them, XXXX completely deleted the account altogether then denied any knowledge of it. I was able to get it restored but the late payment is once again on both credit reports. 

This applies to XXXX and Equifax. XXXX stubbornly refuses to list the account at all.
Product: Debt collection

Received a Robo Call from XXXX, an Illinois number, but the message stated it was Weinberg Mediation Group ( according to their website, based in New York ).

Message states, " This is a final courtesy call from the Weinberg Mediation Group. Before reporting that you've been uncooperative in the investigation against you ... '' ( pause ) " If we do not hear from either yourself or your legal representation today, we will be left with no recourse other than to report your noncompliance with this issue to the proper jurisdiction. Our office number is XXXX. '' ( repeats number ) The number in the message also does not match what is on the Weinberg website so I did not call it back.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit upon getting an alert that my personal information was data branch after I pulled my credit report. I noticed that the following inquiries was on my credit report that I didn't consent nor authorized 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX and this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 

**Pursuant to 15 U.S.C. 1681b**, you are illegally reporting and sharing my personal information without my explicit authorization.

**You do not have my consent, and you have never had my consent** to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains **unauthorized inquiries** that I did not initiate, which makes me a **victim of identity theft**.

**Under 18 U.S.C . 8**, I owe **absolutely no debt** to the companies listed. Your failure to delete these inaccuracies immediately will result in **severe legal consequences**. I will **not hesitate** to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the **Federal Trade Commission ( FTC ) ** and the **Consumer Financial Protection Bureau ( CFPB ) **.

2. Initiating civil lawsuits for violations of my rights under the **Fair Credit Reporting Act ( FCRA ) **.

3. Seeking **statutory and punitive damages** for your gross negligence and failure to comply with federal law.

You are hereby notified that you have **no further opportunity** to delay or ignore this matter. I **demand** that all incorrect entries and unauthorized inquiries be deleted **immediately** and **permanently**. This is your **final warning**, and I expect **written confirmation** of the deletions without delay.If I do not receive confirmation of the deletions within the next XXXX business days, I will proceed with full legal action, which will result in **significant consequences** for your continued disregard of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit card or prepaid card

In XXXX I received a NETSPEND card from my father in-law. The date of expiration on the case is " Good Thru XX/XX/XXXX ''. When I tried to use the card it did not work. I called the automated phone number and it indicated this card was expired. I spoke with the representative who was unable to help me, as I did not have exact date the card was purchase. Which my father-in-law doesn't have either as it was sometime ago and those records were lost. I do not believe that a pre-paid card should go to waste because the date of purchase can not be recalled. 

I've attached a screenshot of my unable to register the card and one of the card 's expiration date.
Product: Mortgage

I purchased a condominium on XX/XX/XXXX and the lender that provided me the mortgage was XXXX XXXX. On XX/XX/XXXX, this lender was acquired by Ameris Bank. 
Since that date, my monthly mortgage payment increased from {$1000.00} to {$1200.00}. In XX/XX/XXXX, I communicated with Ameris Bank and they requested copy of the Master Insurance of the building to be able to adjust the amount. In XX/XX/XXXX I called them back because the mistake was not fixed. Ameris bank answer was that after they reviewed the Master Insurance form noticed that the increase was cause not by the Master Insurance, but by the increase of the Property taxes so,  they requested the copy of the Property taxes bill. I sent to them copy of the bills from XXXX and XXXX and the difference between those years was just $ XXXXThis showed them that neither the Property Taxes was the reason for the increase of my monthly mortgage. 
During all this time I continued making the monthly payments because I did not want to damage my credit. In XXXX and XXXX, I send the amount they requested ( {$1200.00} ). In XXXX I decided to pay the original monthly mortgage payment of {$1000.00} because they did not have a reason to increase it. 
In XX/XX/XXXX, they decided to take the XXXX payment and put it in a Suspense Account, so they never reflected the XXXX payment for the contrary they started calling me and sending me to collection without a reason or explanation of it but they damaged my credit history. I have been doing everything that they requested me. In XXXX the send me a letter stating the my new monthly payment was adjusted to {$1000.00} without any explanation but they never went back to records to adjust the XXXX, XXXX, XXXX and the XXXX payment was still in the Suspense Account so they are reporting me since then that I never pay that month. 
I have been communicated with they through they server as per their request, but they stopped responding to my email. 
I called Ameris Bank to request information of their Legal Department to be able to send them a Qualify Written Request and they told me that they do not have a Legal Department and they did not know what was a Qualify Written Request. I spoke with a supervisor and she told me that they only option I had was to pay the missing monthly payment. 
On top of everything, they have gotten my payments before the XXXX of each month and they are showing them as late payments. 
Please help me to resolve this issue of the missing payment, to fix my credit report history and to stop their collection department to harass me. This is their mistake.
Product: Debt collection

Your company was sent MULTIPLE letters HIGHLIGHTING whats being requested to prove your LEGAL right to this debt, and you only keep responding with VERBAL REITERATIONS of what you are saying this supposed debt is, but you have FAILED to send me ACTUAL DOCUMENTS that I REQUESTED as my LEGAL RIGHT! and you have YET to provide those DOCUMENTS within the time frame the LAW states, and the law said you are supposed to do is within 30 days, which you HAVE NOT and you failed to the FIRST time you were sent the letter and you have failed to do so now, which is my 3rd time in total because you did the exact same thing the first time I requested these documents earlier this year, yet you keep violiating my consumer rights by taking negative actions against me on my credit profile. PROOF of this is my credit report and your responses to these compliaints that does NOT include the documents that I requested by law, nor have I received these documents to my home.
Product: Credit card

I received a Cash App card - ready to use and attached to my bank account- in the mail ( my home address and in my full name ) that I did not request. My credit has been frozen for well over a year, but I still received one. I called the number on the card ( XXXX ) XXXX and explained that I got a card in the mail I did not request and asked for the fraud department on XX/XX/year> at approximately XXXXXXXX XXXX. est. The agent refused to transfer me to anyone ( even a supervisor ) and told me to email her to card details instead. They absolutely refused to cancel this account over the phone. My phone recognized a chip card nearby and immediately logged in to the account, which was completely attached to my personal bank account and I did NOTHING to verify this. Please help. 

My husband received one, too, in his own name, but they will not cancel it.
Product: Payday loan, title loan, or personal loan

I received a {$3000.00} dollar loan on XXXX XXXX,2016 and have been paying {$340.00} and within that time they have not put anything but XXXX dollars towards the principle. 
I believe there practice is unfair and may be illegal, as when I wanted to pay off this amount due to the government shutdown, they said I owed them {$12000.00} dollars, however they only gave me a {$3000.00} LOAN. 

How in the world do I owe them {$12000.00} for XXXX? I beleive they are practincing unfair loan laws. and I have already paid them almost 3 times what they gave me.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO. XXXX XXXX XX/XX/2024 Subject : Complaint Against XXXX XXXX XXXX XXXX Regarding Improper Use of My Credit File To Whom It May Concern, I am writing to formally file a complaint against XXXX XXXX XXXX XXXX for violations of federal statutes related to the improper use of my credit file, reporting of information without consent, and failure to comply with legal obligations regarding debt reporting and income recognition. 
1. Unauthorized Use and Reporting of Credit Information : XXXX XXXX XXXX XXXX has failed to comply with 15 U.S.C. 1681b, which specifies permissible purposes for obtaining and using consumer credit reports. I never provided written consent for XXXX XXXX XXXX XXXX to report any information to my credit file. According to 16 CFR 313.7, financial institutions must obtain explicit authorization from consumers before sharing nonpublic personal information unless an exception applies, none of which are applicable here. Additionally, under 15 U.S.C. 6802, financial institutions are required to provide clear and conspicuous disclosure of their information-sharing policies and practices, which XXXX XXXX XXXX XXXX failed to do. Their actions also appear to violate 15 U.S.C. 6805, which empowers regulatory bodies to enforce these provisions. 
2. Lack of Transparency and Consumer Rights Violations : XXXX XXXX XXXX XXXX has disregarded my consumer rights by failing to provide adequate notice or obtain my written consent before furnishing information to credit reporting agencies. This omission violates the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). Their noncompliance with transparency requirements and failure to respect the confidentiality of my personal financial information is concerning. I respectfully request that the CFPB investigate XXXX XXXX XXXX XXXX practices to determine whether they are in violation of federal laws, including but not limited to : 15 U.S.C. 68026805 ( GLBAs financial privacy rules ) ; 15 U.S.C. 1681b ( FCRAs permissible purposes for credit reporting ) ; 16 CFR 313.7 ( GLBA privacy and opt-out regulations ). Additionally, I request clarification and appropriate remediation regarding : The unauthorized reporting of information to credit bureaus without my explicit written consent. Thank you for your attention to this matter. I look forward to your assistance in ensuring compliance and protecting my rights as a consumer. 

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

XXXX XXXX XXXX XXXX XXXX XXXXXXXXTo Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Checking or savings account

A duplicate payment was sent to my Mortgage company. My request for my money to be returned was met after escalation with promises of a call from the Dispute Dept and an Issue Resolution Manager. I got NO calls. I have called them 3 more times. They still have not returned my funds or responded in any way. 

The money was taken on XX/XX/2021. I got a low balance notification the next morning. 
XX/XX/XXXX-Called, given 7-10 day response, refused that resolution, escalation resulted in commitments that the Dispute Department would call me by the next morning and a manager would also call me the next day. 
XXXXCalled Credit card to get remaining points moved to make payment ; the mobile app had moved the first {$500.00} in points before telling me that it would take 2 days to show up in my account. Representative committed that the CC payment would process and show on time. 
XXXXChecked accounts : -No {$1200.00} returned - {$500.00} CC Points gone from card, still not in bank account, Car payment shows paid on the XXXX side and on Bill Pay , not on bank account ... ... CC shows paid but Those points are still on the CC/did not come from bank account????? 
-USAA car insurance autopayment coming this week. 
-Called insurance group asking to drop autopay. Person spent 15 min reviewing this issue and never accomplished anything but dropping my autopay. 

To support my statement that I in no way requested a second payment I will share that I did not need to pay my mortgage this month, it was a mistake. My original forbearance ended in XXXX with payment in XXXX. I set the payment out to XXXX months ago. If I had gone in to do anything with this bill it would have been to cancel the XXXX payment.