23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I was looking at my credit report today and noticed that I had a collection on all of my credit reports from Amsher Collection Services. This collection agency was hired by XXXX for cell phone services. I had paid XXXX their last payment my services where already disconnected. I disputed my XXXX bill several times with Consumer Financial Protection Agency because XXXX had taken money out of my account for my cell phone services that was not authorized. Also, it is documented that I was billed unfairly and the amount was not in the contract. Amsher Collection services stated that XXXX said that I still have a bill of {$360.00}. I have not had services with XXXX in almost 2 years so this amount is not accurate. I also paid the last balance that was owed before XXXX disconnected my services because they were upset that I complained to CFPB. I called Amsher Collection Agency and spoke with a representative named XXXX. He was rude to me and told me that I have two options. I could speak to the attorney or he would hang up on me. 
I would like for this collection to be taken off of my bill because I have disputed my bill with XXXX. I had paid off what was owed on the cell phone bill and I do n't owe any other amounts due to XXXX excessively billing my account unfairly.
Product: Credit reporting or other personal consumer reports

In XXXX I started to have problems with my XXXX XXXX  accounts. Several times I had to change my bank cards. Then I changed my checking account three times. XXXX XXXX  did investigate and always got my money back. In some way through online banking, my information was being compromised. I changed banks. I am at XXXX XXXX. While at XXXX XXXX someone was trying to use my XXXXXXXX XXXX XXXXXXXX XXXX to get into my bank account. I have a personal and car loan with this organization. I went to the XXXX XXXX closed those accounts and opened others. When I set up my checking and savings with XXXX XXXX the young man said to stop online banking. The young man set up my banking on my phone where I use my fingerprint to get in and a backup eye scan. In XX/XX/XXXX I got an email from XXXX about a monthly credit-building loan of {$9.00} payment a month.. the loan amount is {$500.00}. I did not pay the email any attention... A few months later I was checking my credit with the three credit bureaus and it showed delinquencies. I always pay my bills. I put in a fraud complaint a few times with the bureaus. The bureaus keep telling me it is mine. I reached out to XXXX and asked for a copy of the application. On the application dated XX/XX/XXXX was an old XXXX XXXX XXXX apartment address. I moved into my home in XXXX XXXX, XXXX  XX/XX/XXXX and on the application is no signature, it has my name typed. I need help because I did not fill out a application for XXXX credit building.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Opt-Out Form Confirmation XXXX Thank you for your interest in the XXXX information suppression program. Your request to have information suppressed from publicly facing public records products has been received and is in process. Please note that it may take up to 30 days to suppress your information from XXXX products and services. 

Please note that your information will remain in the following products and services : restricted public records products which are available to commercial and government entities that meet XXXX credentialing requirements and are used to detect and prevent fraud, enforce transactions, perform due diligence, and other critical business and government functions ; products regulated by the Fair Credit Reporting Act ; third party data available through real time gateways ; news ; and legal documents. 

This suppression request does not expire, and XXXX will attempt to suppress all of the information available based on the information you provided in your request. Due to the variations in personal information contained in public records, or insufficient or inaccurate information provided in a request, it is possible that personal information about you may be reintroduced to XXXX products in the future. If you become aware that your personal information is available through XXXX publicly facing products in the future, please notify the XXXX Privacy Hotline and the issue will be investigated so that we may take appropriate action. 

Should you have any questions regarding this confirmation notice, please contact the XXXX Privacy Hotline at XXXX. 

Enter another suppression request ... 






filed to not have public records
Product: Debt collection

Collection agency Meridian Financial Services XXXX NC reported a delinquent account XXXX on XX/XX/XXXX to XXXX  This is a time barred debt. Last payment on this account was in XXXX. Meridian has furnished a re-aged account to the CA 's and is in violation of the FDCPA. 
The debt is not accurate and I have disputed the account with XXXX / XXXX but both CA 's and Meridian falsely certified on that their reporting is accurate. 

I have sent Meridian a letter disputing the account but they did not respond. I expect Meridian to provide validation documentation which must include an account or written contract or agreement and record of payments history. 

This is a violation of my FCRA rights. This debt reported to XXXX / XXXX should be removed.
Product: Checking or savings account

I am filing this complaint due to Capital One 's failure to process my direct deposit in a timely manner and their lack of updates regarding the issue. I just switched my accounts over to Capital One this payroll. Capital One cited technical issues that began earlier this week, stating that they would be resolved by Friday ( today ). However, as of XXXX PM today, my direct deposit has not been credited to my account. 

Adding to my frustration, Capital One continues to send emails reminding me that my credit card payment is due, even though the funds needed for that payment have not been deposited into my account due to their system issues. With Monday being a federal holiday, this delay is especially concerning as it disrupts my financial and personal obligations. 

I believe this situation XXXX constitute a violation of the Electronic Fund Transfer Act ( EFTA ), which ensures timely and accurate processing of electronic transfers. Additionally, Capital One 's lack of communication regarding the resolution timeline leaves me concerned about my consumer protection rights under federal law.
Product: Checking or savings account

The previous bank account, a joint account with my father at XXXX XXXX, was closed. XXXX XXXX issued a cashiers check for the remaining balance, which includes both my fathers name and mine. 

My current account at Citibank is solely in my name. After depositing the check on XX/XX/2025, Citibank blocked my account on XX/XX/2025. 

As a result, I have no access to my funds and can not pay my bills.
Product: Credit card

In XX/XX/year> my Chase Bank XXXX XXXX card account showed several awards to be redeemed for XXXX XXXX XXXX XXXXXXXX XXXX ) rewards. This was a new award program due to XXXX 's partnership with the airline. 

In the past, the only " Awards '' that I have ever received have been, for example, a free night or club lounge reward. These awards have always been a free perk due to my account activities. In the case of this XXXX XXXX XXXX, when I clicked on redeem award, credit card points were immediately deducted. In essence I purchased the " Award ''. 

I was unaware this award would result in XXXX points being deducted. I called and asked that the redemption be reversed, but was told this could not be reversed once selected. To frustrate me even more, the award did not show in my XXXX XXXX account for over 3 weeks and I have so far been unable to use the award with XXXX for an upcoming flight ( I am awaiting a response from XXXX XXXX ). 

I believe the " award '' was misleading and would like the points restored to my account. 
( XXXX rewards account # XXXX ) Thank you, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited sister in laws tax refund check total good check and i signed third party info like they said and after deposition they held funds till it cleared which I was fine with but once it cleared they got the money they took the XXXX I was iverdrfafted and said I couldn't have the rest and closed my scct unless my sister inlay can be verified and they only do that thru there system if it doesn't show her number them they won't call they only call number they find which I don't no how they find one and she uses those prepaid companies so it won't show nowhere and they won't let her come in and show id they said this is only way so im scr3ded please help me it was chase bank XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

o whom it may concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am ocially challenging you to review your data on le for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deciencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data eld formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be veried, complete with sources! The 2020 CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been conrmed as facts.Please take care of any false accounts on my credit report. I am requesting that you x this issue as soon as possible because it will aect me nancially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, veried and compliant data documented in it!
Product: Debt collection

Sent XXXX XXXX XXXX a letter asking for validation of debt with the original application from XXXX. Because I contacted XXXX and they said they don't have any accounts for me other than my XXXX XXXX and XXXX Unlimited Memberships. Been trying to resolve this issue due to my employment requiring my credit be clean. This company is jeopardizing my ability to earn a living. I have already file an complaint with the FTC and Identity Theft, gov and I have hired a firm specializing in resolving credit issues. I should not have to come out of pocket to clear up something that it would take all of 5 minutes for MCM is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent in a dispute and received a letter that is pretty much mocking me. I will attach the letter I received and the original dispute I sent to them in XX/XX/2023. The company is Transunion.
Product: Debt collection

This rental debt is not XXXX, I moved out of these apartments XX/XX/2021. THE XXXX XXXX  OF XXXX NC PAID XXXX TOWARDS THE CURRENT BALANCE AT THE TIME, WHICH WAS XXXX. I MOVED OUR, AND SOMEONE MOVED IN IMMEDIATELY AFTER ME MAKING ANY CURRENT MONIES OWED ON THE LEASE NULL AND VOID. PLEASE REMOVE THIS OFF MY CREDIT AS THIS IS NOT OWED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a Bankruptcy with Equifax on XX/XX/2020. They verified and sent me the results within two days. I faxed them my proof their information was not correct. I faxed them my letter from the Bankruptcy court stating they do not verify information with credit bureaus. I also enclosed my results from their third party vendor that verifies Bankruptcy. XXXX deleted the Bankruptcy as unverifiable. Since Equifax gave me my results before they uploaded my proof I know it was not verified. Also I requested a method of verification be sent as prescribed in 611 ( a ) ( 7 ). I have not received it.
Product: Debt collection

I received a levy notice last year from my bank that XXXX XXXX had attempted to attach my bank account due to a levy. They followed up with a settlement letter. I contacted XXXX XXXX. They informed me that they had purchased the debt from Chase bank for a credit card I had that was charged off in XXXX. I asked the representative how they could collect on a charged off account on a credit card that was over 4 years old. He informed me that they had filed a judgement that was good for 10 years. I informed him that I was never made aware of this until the levy notice. He told me that they had sent a letter to XXXX XXXX XXXX XXXX CA. XXXX. I told him this was my parents old house, and I had not lived there since XXXX. I asked him how I was to have been legally notified of such a severe financial matter if they had mailed a letter to a residence I had not lived at for over 20 years. He put me on hold. When he returned he stated the same information previously stated and asked if I wanted to pay the debt. I informed him that I did not feel this had been handled in a legal manner and that I was going to seek more information or legal counsel. That was the last conversation I had with XXXX XXXX last month.
Product: Debt collection

KOHN LAW FIRM, XXXX WI REPORTING TO CFPB AND FILING A COMPLAINT STATE ATTORNEY I now have proof of being harassed by Kohn Law Firm at my job causing me issues at my Employment. I have reported this account fraudulently numerous times. Provided paperwork and notary confirming. There is no signature or real validation that this XXXX Account was ever mine. Been fighting for three years now. I am now filing a full complaint ; with proof I was called at employment. 
Pictures are of my work phone, Kohn Law firm XXXX. This is my office/desk.
Product: Debt collection

I was contacted by XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX , NY XXXX ] about a debt that they purchased from NELNET [ XXXX XXXX XXXX XXXX , NE XXXX ]. I asked them to verify the debt was still valid as I had already paid it with NELNET. They asked me to contact XXXX/XXXX  [ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX ]. I have contacted all three companies and have the chats/email threads available in PDF format. 

They never replied. I requested : " The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. '' The only documentation that arrived is a photocopy provided by XXXX of my original promissory note. XXXX sent a note stating that my wages would be garnished. They have not been able to verify that this is a valid debt. 

When speaking via phone to customer service at XXXX, they asked me provide proof that I had paid the debt with NELNET. I sent them images and screenshots via email per their request. I have not received a response. 

I was notified that this has impacted my credit rating. I have sent countless emails pleading to have this resolved. 

The complete lack of cooperation and common sense is frustrating. This is a waste of my time. I happy to pay what I owe, but they need to be able to substantiate
Product: Debt collection

Hi I was living in an  XXXX    XXXX   XXXX   in California from  XXXX   XXXX  to  XXXX   XXXX  and at the end date of my lease i got a complete billing from the apartment that i owe them for the maintenance and all other charges that are need to pay. Once i received my final billing complete amount has be paid. I am still getting calls from  I.Q Data international INC collection agency that i need to pay them  another  XXXX   . I h ave requested many times the collection agency that all the amount has been paid and i even sent them the documents. They are not listing to me and asking me to pay the debt that i do n't owe them since final amount has already been paid. And they put this in collections which is effecting my credit history.No action has been taken by the company.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

id theft victim i am disputing XXXX XXXX XXXX opened XX/XX/2019 off of my equifax report i am requesting a letter of validation from the creditor, i am attaching my social security card, dl, and address to this file. please remove this from my report. 

i need a copy of the rental agreement and where they got my information. 
i did not give anyone permission to rent an apt or give anyone my information.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX CARD 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 months that are reported late 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 21 days before the payment due date. 


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 21 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: Debt collection

I received correspondence on behalf of a collection agency named XXXX XXXX. According to them, I had an outstanding balance of {$1900.00} that was previously owned by XXXX. I contacted them on XX/XX/23, and the representative I spoke with informed me that the debt was tied to the phone number XXXX. I am positive that I have never been associated with said number, so I went through the trouble of filing an police report and so on. I called XXXX XXXX back on XX/XX/23, to obtain information on where to submit a copy of my police report in order to initiate a dispute. The XXXX XXXX Representative, XXXX, informed me that per their system, there was a " XXXX XXXX '' order in place, and that the debt was erroneous, and is not valid. He also shared that the debt would not be reported to the credit bureaus, and that I was no longer financially liable for the amount they were trying to previously collect. I requested a statement in writing confirming what XXXX shared, but he insisted that he was not able to do so per company policy. I wanted to bring this to the CFPB 's attention in the event XXXX XXXX attempts collecting debt from me again in the future.
Product: Credit reporting or other personal consumer reports

I sent the attached letter to Experian and they failed to resolve this issue.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/year> and XX/XX/year>. I'm now requesting ou investigate this account and update these payments to paid on tim mmediately. Thank you for your understanding and prompt action.