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

I am writing to formally request a reinvestigation of the inaccurate information you have reported to the credit bureaus regarding the following account : Inquiry is in accurate and wasn't pulled with my permission. I was made aware companies can only obtain credit report legitimate reasons, permissible purpose. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), a creditor is required to provide verification of the disputed account within a reasonable timeframe. Since you have failed to provide adequate proof validating this accounts accuracy, you are in violation of your legal obligation. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) ( 15 U.S.C. 1692g ), if a debt can not be verified, it must be removed from all credit reporting agencies immediately. Your continued reporting of this unverified account constitutes inaccurate and unfair credit reporting, which is a direct violation of my consumer rights. 

As a result, I demand the immediate removal of this inaccurate information from my credit report. If this account is not removed within 30 days of receiving this letter, I will have no choice but to escalate this matter with moving forward with lawsuit. Additionally, I reserve the right to pursue legal action for willful noncompliance under FCRA 616 ( 15 U.S.C. 1681n ).

Please confirm in writing that this account has been deleted from my credit file. I expect a response within the legally required timeframe.
Product: Student loan

IN XX/XX/XXXX, I CONTACTED NELNET TO INQUIRE ABOUT ACCRUED INTEREST ON MY LOANS BETWEEN XX/XX/XXXX-XX/XX/XXXX. OVER {$7000.00} IN INTEREST HAD ACCRUED DURING THIS 3 MONTH TIME-SPAN, ALTHOUGH ALL OF MY LOANS SHOULD BE IN A GRACE PERIOD. I GRADUATED FROM XXXX ON XX/XX/XXXX ... MY REPAYMENT SHOULD NOT START UNTIL XX/XX/XXXX. I HAVE MADE 3 FORMAL COMPLAINTS ABOUT THIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my dissatisfaction with the way in which this reporting agency have been handling consumer disputes and challenges. I believe that they have been sending out form letters in response to many of these submissions, regardless of the specific information that has been provided. This is a clear violation of the law, as each dispute and challenge must be addressed individually and on its own merits. 

Furthermore, I have reason to believe that the consumer reporting agency may be delaying the processing of letters from consumers based on the assumption that help from a third party may be available. This too is illegal, as there is no legal exception to allow for such delays. 

I would like to state for the record that I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. It is important to note that there is no law that requires a Power of Attorney in order to delay processing letters from a consumer urge you to take prompt and appropriate action to address the concerns raised in this complaint.
Product: Money transfer, virtual currency, or money service

In 2022, I applied for a job, XXXX English in XXXX. I got an email from XXXX XXXX, XXXX. ( XXXX ), a school in XXXX, XXXX with a job offer. The head of the school XXXX XXXX is XXXX XXXX. I made an employment agreement with XXXX XXXX, XXXX. After that, I was instructed to transfer a certain amount of money, the purpose of which was to speed up the process of receiving a work XXXX. According to the instructions, I had to make payments not directly to the bank account of the school, which would be the common practice, but to a third party, named XXXX XXXX ( hereinafter referred to as the Beneficiary ) holding an account with WISE US INC . I made wire transfers for the benefit of the Beneficiary amounting to a total of USD XXXX ( US DOLLAR XXXX  XXXX XXXX XXXX AND XXXX AND XXXX CENTS ). My legal representatives from XXXX XXXX XXXX XXXX XXXX XXXX XXXX addressed a letter of demand to Wise US INC., trying to resolve my issue and claiming a feasible compensation offer. Wise US INC. responded that they can not be held liable for the scam. Such a way of handling consumers complaints is not acceptable to me and I think that it does not handle the raised issue fairly and impartially, nor does it match the ethical and professional standards of a diligent payment services provider as these are known in most of the modern countries.
Product: Debt collection

I.C systems are trying to collect a debt for XXXX in which was already settled by XXXX that I dont owe this debt. This debt has still not been validated by originals creditor XXXX
Product: Debt collection

XXXX has been listed on my credit reports since XX/XX/2017. They did not send me a letter per the fair debt collections practices act, giving me 30 days to dispute the alleged debt before they put this debt on my credit reports. Also, when I did send a letter to validate this alleged debt, they supplied me with paperwork about an account with XXXX. I am confused because the way they are listed on my credit reports, it is saying that it is for an XXXX account, both which are not my accounts. I have asked for an original instrument of indebtedness in its original form, with my signature on it, proving that I created this alleged debt and until this day, they have not sent me anything. They are also reporting to the credit bureaus, several times when I dispute this item on my credit reports, that this debt is being reported correctly but have yet to provide me with proof that this is an valid debt. They are also threatening to sue me in court and damage my credit rating for a debt they can not prove that belongs to me. I want this harassment from XXXX  to stop immediately.
Product: Debt collection

Online Information Services ( collection agency ) and the original creditors, XXXX XXXX XXXX  ( XXXX XXXX XXXX ) is reporting inaccurate credit information. I have sent out several letters requesting an itemized summary of an Eviction Charge of {$1000.00} that is listed on the Household Moveout Accounting Activity Report. This document was first mailed to me XX/XX/XXXX after I moved from the apartment on XX/XX/XXXX. Another Household Moveout Report was mailed to me XX/XX/XXXX after disputing the eviction charge, late fee charge, carpet stain removal charge, and the owed rent amount. As a result the rent amount was reduced and the tile/floor stripped/waxed fee was removed. I am requesting an explanation as to how the company came up with an eviction charge of {$1000.00}. I was included in a lawsuit that was filed against XXXX XXXX XXXX XXXX XXXX XXXX ) and several other landlords across North Carolina. They were accused of charging tenants illegal eviction-related fees simply for filing an eviction complaint. As a result on XX/XX/XXXX I was awarded a settlement payment as an approved claimant in the court- approved class action settlement Wright v. Palmer Green/Duggins , LLC , in the General Court of Justice , Superior Court Division XXXX XXXX XXXX, North Carolina, Case No. 20-CVS-487. I believe the eviction charge is incorrect and may be even illegal charges filed against me.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to formally dispute several fraudulent accounts on my credit report, including XXXX XXXX XXXX ), XXXX XXXX XXXX Bank XXXX XXXX XXXX, XXXX XXXX XXXX ), XXXX XXXX XXXX ( XXXX )XXXX XXXX XXXX XXXXXXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX ), and Credence XXXX XXXX XXXX XXXX ), which were opened without my knowledge or consent. These accounts contain discrepancies in key details such as open dates, credit limits, and last active dates, and creditors failed to validate the debts or notify me before reporting them, violating laws including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates accurate reporting and dispute investigation ; 15 U.S.C. 1681g ( e ), which requires blocking fraudulent accounts upon proper documentation ; and 15 U.S.C. 1681s-2 ( b ), which obligates furnishers to investigate disputes. Additional violations include the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which requires timely written notice and validation of debts ; the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028, which criminalizes identity theft ; the Fair and Accurate Credit Transactions Act ( FACTA ), Pub. L. No. 108-159, which provides for fraud alerts and removal of fraudulent accounts ; the Gramm-Leach-Bliley Act, 15 U.S.C. 6801-6809, which mandates data protection ; and the State of Florida Identity Theft Law, F.S. 817.568, addressing identity theft remedies. I have included supporting documentation, including my ID, Social Security card, proof of address, and a police report. I request immediate removal and permanent blocking of these accounts from my credit report and a full investigation into these violations to ensure compliance with federal and state laws.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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
Product: Debt collection

I had a Credit card from a company that I defaulted on. Portfolio recovery associates assumed the loan and contacted me. I agreed on an amount I owed and paid the debt. I received a notice of payment and though everything was fine. After looking at my credit monitoring service, I could see that Portfolio recovery associates ( PRA ) reported correctly that the account was delinquent for XX/XX/XXXX, then paid as agreed. However there was another month that showed up, XX/XX/XXXX. I did not agree with this and did a dispute. 35 days later the dispute comes back as updated and PRA now list my account in the same closed status but with the delinquency months being in XX/XX/XXXX and XX/XX/XXXX, 7 months after the account was closed. I contacted PRA and they said everything is fine from what they show and to contact the credit bureaus. I did, and issues a dispute per suggestion of the credit rep and waited another 30 days for the dispute to come back with the same delinquency dates being reported. I contacted PRA again to ask why they would be reporting the same delinquency dates when my account was resolved in XX/XX/XXXX and have documentation from them on that. I questioned why they would not modify the dates on the new dispute if clearly My account had been closed since the beginning of the year. They said they are n't sure and to email the credit information to their disputes department I have that show the incorrect months being reported, which I did and have not gotten any response. I have been working on this issue since they day they reported the incorrect dates in XX/XX/XXXX. It is now XX/XX/XXXX and they still have n't fixed it. I am worried this has affected my credit profile to those creditors who pull my actual credit history and examine - such as an apartment complex as it makes it appear that my delinquency were much more recent than they are.
Product: Debt collection

on XX/XX/year> I paid XXXX XXXX XXXX XXXX {$1300.00} for my past bank of america credit card. the court date was to be XX/XX/XXXX and they told me i may have to go to court. I called the court and they said that i still had to attend court. XXXX XXXX XXXX  failed to alert the court that i paid the debt. i was there in court waiting for their reps to show up on the XXXX of XXXX, but no one was there representing them. they should have contacted the courts on the XXXX to drop the case. the money that i paid them was from my va XXXX and social security XXXX. paying them money from both sources has caused me a lot of XXXX  due to my XXXX from XXXX XXXX. they also rarely answer their phones. and since they didnt show up for court i want them to refund my money, especially since it's from my XXXX payments. Before a debt collector can take Social Security or VA benefits, they must sue you and win a judgment against you for the amount you owe. Then, the debt collector must get a court order that tells your bank or credit union to turn over money from your account or prepaid card. and they did not get a court order for this. they also never gave me time to do the confession of judgement they wanted me to sign, due to all of my military related health issues.
Product: Credit card or prepaid card

Chase credit cards offers various payment options for its credit cards. A cardholder can pay via the US mail using a check, via phone, or on the chase.com site. 

This complaint concerns online payment options and specifically, recurring " Automatic Payments ''.

When a cardholder makes a ONE-TIME payment via chase.com, the options include : a. Pay off your entire statement balance ; b. pay the minimum payment due, or c. pay a different amount which the cardholder then specifies.

However when a cardholder opts for the convenient " AUTOMATIC PAYMENT '' which effectively is a recurring payment, in which Chase drafts the cardholder 's checking account every month on a specified date, the choices are limited to two : a. pay off your entire statement balance ; b. pay the minimum payment due.

Automatic Payments are great for the cardholder who is forgetful or who has an existing balance that he or she wishes to pay down, in a disciplined fashion, in a given period of time. Not infrequently using an automatic, recurring payment, is in association with a balance transfer which the cardholder wishes to pay off fully before the end of the promotional rate period.

Chase is fully aware of this issue and its customer service staff default to, " if you wish to pay a different amount, you can always do a one-time payment. '' I am certain there is nothing illegal with what Chase is doing since they offer alternatives. However I am also certain that the drivers of the lack of a, " pay a different amount '' option on Chase.com 's Automatic Payment is to drive $ XXXX late fees ( to earn something during promotional periods ) and to make it difficult for cardholders to automatically pay off balances during promotional periods, ensuring a balance rollover at the astronomical 29.99 % APR.

Chase has a Slate credit card product which offers some of the longest Balance Transfer promotional periods in the business ( 15 at 0 % APR ) with no balance transfer fee. They know full well how to make money on this product.

I feel they should have to answer to consumers on this matter.

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

I have reached out to all 3 credit bureau and send off letter about this matter on my credit I am not pleasure on how this is being handle.

specifically 15 US code s1681 s-2 responsibilities of furnishers of information to the Consumer Report Agencies by certain creditor listed on my credit report.

According to Section 1681s-2 ( b ) furnishers of information to consumer reporting agencies such as creditor in questions, have a legal duty to provide accurate and complete information, however after careful review I have identified multiple and inaccuracies in the report of the following. 

US Dept. of Education 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
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and I am a fallen victim to identity theft of several accounts that are open on my credit report causing hurt and distress due to me trying to move forward financially. I kindly request you to remove these accounts from my credit report. Thank you for your assistance.
Product: Debt collection

I continue to receive calls from XXXX that will not leave a message but if I pick up the phone it is an automated message stating they have attempted numerous times to reach me with no luck and if I do not respond they will advise their " client '' on further legal action. They provide the number of XXXX to call and give my statement so they can provide back to their client. 

First of all, I have NOT received ANY written correspondence from this so called scam artist business that claims to be " XXXX '' I want this company to stop harassing me when they are obviously a scam debt collection company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX inquiries that appears on my credit that I did not do. The credit agency says they are accurate or they can not remove these from my credit file. I explained to them that I did not give permission for any of these inquiries from XXXX XXXX I have no idea who they are or why they have continually retrieved my credit file. This is fraud! PLEASE DELETE ALL XXXX XXXX  INQUIRIES PERMANENTLY FROM MY CREDIT FILE. Thank you.
Product: Debt collection

I am filing a formal complaint against Rent Recovery Solutions LLC, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX, regarding their attempt to collect a debt that I do not believe is valid or has been misrepresented. 

On XX/XX/XXXX2025, I received a collection letter from Rent Recovery Solutions LLC, stating that I owe {$3300.00} to XXXX XXXX XXXXXXXX XXXX XXXX The letter offers a settlement discount, reducing the balance to {$2500.00}, but I have concerns about the validity of this debt and the collection practices used. 

I have not received proper validation of this debt, including a detailed breakdown of the charges, contract agreements, or documentation proving that I owe this amount. The letter does not provide clear information on the original account details or how the balance was calculated. The communication states that if I do not pay by XX/XX/XXXX 2025, further collection activity will continue, which could negatively impact my credit. However, I was not given proper notice or an opportunity to dispute the debt. The language in the letter could be misleading or intimidating, potentially violating the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that I've found : 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 Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.
Product: Credit reporting or other personal consumer reports

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for CARRINGTON MORTGAGE SERV to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account CARRINGTON MORTGAGE SERV - XXXX Last XXXX digit SSN : XXXX
Product: Checking or savings account

I am a victim of identity theft and someone compromised my Bank of America checking and savings account. I have filed numerous complaints with Bank of America, but they continue to hold me liable for the accounts that was compromised by someone who stole my identity and impersonated me, and made unauthorized and fraudulent transactions on my checking and savings account.
Product: Mortgage

1 ) Back in XX/XX/XXXX, I was advised by a BofA Rep my Deferral would end in XXXX XXXX and to pay my usual payment again in XXXX XXXX. 
2 ) In XXXX I called BofA and spoke to several BofA Reps including a XXXX and his manager, they indicated the Deferral ended at the end of XXXX XXXX and that my XXXX payment that I paid ( because of what the BofA Rep told me to do in XXXX ) would be applied to XXXX XXXX and to not pay again until XXXX XXXX XXXX ) I have paid all payments as asked to by BofA Reps and XXXX, however BofA continues to be misguided from systematic failures internally with systems that are not communicating with one another and despite this having A LOT of documentation and every " live '' BofA Rep I speak with apologizes and says they will escalate it ... IT STILL IS not FIXED. 
4 ) BofA tarnished my XXXX and also has had collateral damage to my borrowing power as nearly ALL CC companies reduced my credit limits due to these derogatory remarks which frankly ARE NOT true and are highly damaging 5 ) Received a very threading letter from BofA titled " Notice of Intent to Accelerate '' by XX/XX/XXXX however in my last conversation with a BofA Rep XXXX XXXX on XXXX she said after reviewing all the notes, she apologized on behalf of BofA and said she would escalate this and also the BofA Investigator XXXX XXXX said she would determine what next steps could be since I had no choice but to elevate these BofA mistakes to the CFPB XXXX 6 ) PLEASE get back to me ASAP to resolve, and correct mistakes and move on, thank you so much.
Product: Debt collection

My wallet and identity was stolen after losing my wallet that included my drivers license, social security card, with debit and credit cards also. Below are the fraudulent accounts and fraudulent Inquiries. 

FRAUDULENT ACCOUNTS AND INQUIRIES DUE TO IDENTITY THEFT ON XXXX. THEY ARE AS FOLLOWED ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX. 

FRAUDULENT INQUIRIES ARE AS FOLLOWED 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 XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX CA XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681 S-2 Responsibility of Furnishers ( D ) if the investigation finds that information is incomplete or inaccurate report those results to all other consumer agencies to which the person furnished the information and that compile and maintain files on consumer on a nationwide basis.. 

I Feel my FCRA rights are being violated because the accounts listed below was reporting to all three credit bureaus now they deleted off different credit reporting agencies in not all but not all Violations of my Consumer Rights XXXX XXXX. XXXX # XXXX XXXXXXXX XXXX XXXX XX/XX/19 ) # XXXX XXXX XXXX ( XX/XX/19 )