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

My name is XXXX XXXXXXXX XXXX XXXX reported to XXXX, XXXX, and Transunion late payments on my credit report per 15 USC 1692, 15 USC 1666b, CFR 1026B, FCRA 15 USC 6802 I would like the late payment deleted off my credit report as soon as possible thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had sent in numerous documents about XXXX to XXXX   and TransUnion. XXXX  has resolved it months ago. XXXX  and TransUnion continue to report this inaccurate account on my reports.
Product: Credit reporting or other personal consumer reports

**** I need XXXX XXXX Experian to do their own due diligence and investigate! EVIDENCE to EACH CLAIM IS ATTACHED! The XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) has engaged in multiple violations of debt collection regulations, prompting a series of complaints and disputes. The timeline begins on XX/XX/2023, when initial contact was made to request information on a collection account, leading to subsequent exchanges where XXXX failed to disclose the right to dispute the debt. Upon reviewing documents in XXXX, discrepancies in the reported balance were noted, leading to further inquiries. Despite clear evidence and complaints, XXXX altered the amount owed THREE times, including adding unlawful charges imposed by the original company, XXXX XXXX. Numerous complaints were filed with the XXXX XXXX XXXX ( XXXX ) and Consumer Financial Protection Bureau ( CFPB ), and efforts were made to prompt XXXX to review documents, to no avail. The unlawful charges, including improper eviction fees and overcharges, have persisted despite evidence and complaints. Violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) have been documented, yet XXXX continues to pursue collection efforts without resolution. XXXX XXXX XXXX believe they cant continue to Attempt to collect the inaccurate amount DESPITE breaking multiple laws! Attached evidence supports each claim made, including violations of federal and FL laws regulating debt collection and reporting practices. 


( Evidence attached for verification purposes ) Note : XXXX hasnt responded to the UNLAWFUL charges.
Product: Debt collection

Please delete and remove this fraudulent accounts to my credit report. It clearly shows that your bureau is showing inaccuracy to your reporting as it is not showing to XXXX. I have already reported this to FTC and I have been disputing this for quite sometimes but you seemed not doing some action towards this matter. 

XXXX  XXXX Account # : XXXX
Product: Credit card

Synchrony Bank, processor for my TJ Maxx/Marshall 's Master Card credit card just notified me, in my recent bill statement, that I would be charged {$1.00} if I continued to want a paper bill and did not want to go paperless. I am a senior citizen, and I don't like going paperless. I only pay an occasional invoice when my husband assists me to make a payment, he uses a password generating system, which I find too difficult to use and it's only on his computer. I am XXXX years old, and I have a pristine credit score, but I typically prefer to get my bills by mail, as does my husband, and pay them by check. I think it's even more bizarre that the notice said, if I charge less than {$2.00} a month, there would be no paper bill fee of {$2.00}, but honestly the insert in my statement was so confusing I am not positive that this is the case. This lunacy however, it did seem confirmed when I called the credit card company to complain. I feel like charging {$1.00} monthly just to irk them, but instead I took the credit card out of my wallet and will no longer use it. I think this {$1.00} fee for NOT going paperless is discriminatory to seniors and low-income people with no home access to computers and have to rely on public wi-fi in public places, or the library where others may be more easily be able to hack their account information. This fee practice for paper bills should be illegal.
Product: Credit reporting or other personal consumer reports

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy.

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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case Account : 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 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
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, XXXX, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] Experian XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Formal Dispute of Inaccurate Credit Report Entry XXXX XXXX XXXX To Whom It May Concern, I am formally disputing the inaccurate and erroneous reporting of an account from XXXX XXXX XXXX on my credit report. This account is being falsely reported as a charge-off and collection account, which is completely inaccurate, misleading, and unverifiable under the Fair Credit Reporting Act ( FCRA ). 

The details of the erroneous account are as follows : Creditor Name : XXXX XXXX XXXX Account Status : Charged Off / Collection Balance Reported : {$34000.00} Remarks : Charged-off account, auto loan, first payment never received This account is incorrect and should be removed immediately for the following reasons : XXXX. Inaccurate Balance & Status The reported balance and past-due amounts are inconsistent and unverifiable. I demand strict validation of the exact amount owed, including all supporting documents. If XXXX XXXX XXXX can not verify this, the account must be removed. 
XXXX. Failure to Notify I was never properly notified regarding this alleged charge-off, which is a direct violation of my rights under the FCRA. 
XXXX. Unlawful Reporting of First Payment Issue The remarks claim that the first payment was never received, which suggests an issue with the lender, not my responsibility. Reporting this as a charge-off is unfair and misleading. 
XXXX. Fair Credit Reporting Act ( FCRA ) Violation As per XXXX U.S.C. XXXX, all reported information must be 100 % accurate, verifiable, and timely. If the credit bureaus fail to validate this account with complete documentation, including original creditor agreements, payment history, and legal proof of charge-off, this entry must be deleted immediately. 

I demand that this account be fully investigated and removed from my credit report within 30 days as required by law. Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office for willful non-compliance with federal laws. 

Please respond in writing to confirm that this account has been removed or provide legal proof of its validity. If no response is received within the legally required time frame, I will assume that the account is unverifiable and must be permanently deleted. 

I have attached a copy of my drivers license, social security card, and a recent for identification purposes. 

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

I placed a freeze on my The Work Number profile effective XX/XX/XXXX, and recieved a letter in the mail dated XX/XX/XXXX confirming a freeze was in place. However, on XX/XX/XXXX, I was able to access my employment data report online and there was no indication on the report that it was frozen. Furthermore, I saw that a company called XXXX XXXX accessed my employment data report on XX/XX/XXXX and XX/XX/XXXX. 


I am writing to ask The Work Number to please verify that a freeze is active on my account and, if it is not, please explain what happened and to freeze my data.
Product: Credit reporting or other personal consumer reports

Asked Trans Union to scrub the XXXX XXXX XXXX and XXXX XXXX  XXXX to be removed as they both ran credit checks and reported to Trans Union AFTER bankruptcy and shows on report as a potential negative separate from bankruptcy. The other 20 something companies aren't listed separate from the bankruptcy so neither should these two be listed as such.
Product: Debt collection

This company continues to cause XXXX on my life by stating that I owe a debt to them from XXXX, I have paid this debt and have asked them to remove this from my credit profile and yet they refuse, I 've also requested that they stop all communication with me both verbal and mail and I 've continued to receive automated phone calls and letters after the fact, I 've sent my recorded phone calls and letters to my lawyer and if they refuse to fix this issue I WILL BE FILING A CLASS ACTION LAWSUIT AGAINST PORTFOLIO RECOVERY ASSOCIATES
Product: Credit reporting, credit repair services, or other personal consumer reports

According to section 604 ( a ) ( 3 ) of the FCRA which states a company using a disclaimer as reason to place non public information without my written instructions on my consumer report is against federal law and violates my privacy. In addition, the reporting of this account also violates 15 USC 1681i as this account is being furnished both inaccurate and incomplete. TRANSUNION has violated my consumer rights by reporting personal nonpublic information that belongs to me.I DID NOT give XXXX written instructions at any time to report The following XXXX account is being reported on my consumer report without my written consent. the CFPB STRICKLY prohibits this Behavior in accordance with federal law. Please see the attached invoice and affidavits for the following violations.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX XXXX. 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.
Product: Credit reporting or other personal consumer reports

I disputed XXXX a collector which states its on behalf on XXXX XXXX. It was on my 3 credit reports Ive disputed them on 3 occasions each or more. Im pretty sure equifax is the only credit bureau that let it stay. XXXX and XXXX seemed to have deleted it, and I hope it stays off. It isnt my debt. I asked for proof or evidence from XXXX such as a signature. I even went over my rights under FRRA. It is my right to do so.They sent me a short letter saying that they received my dispute, and feel it was done by a credit repair or 3rd party instead of myself. That is not the truth. I did it on my own. They refused to investigate and basically laughed in my face. I guess now we are allowing anyone to put anything on our credit reports and get away with this. I plan on doing everything I can to get these fraudulent companies to remove false reporting on my reports. Ive disputed with XXXX, equifax, and XXXX. Pls have this removed. The letter that thus horrible collector XXXX sent me will be attached.
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number : XXXX My correct address is : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX My employer is : XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of XXXX 

Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Product: Credit card or prepaid card

I have had few conversations with Capital One regarding my credit card. They have so many people calling from the executive office. I speak with someone and they tell me they will get back to me and never do. They randomly throughout the day as if they know that I am not at home. I have spoken to Capital One about the high interest fee on the second credit card that I did not want. I wanted an increase on the first credit card but Capital One denied the increase and stated that I had missed a payment even though my payment history was good. After I contact CFPB, Capital One only contacts me once about the matter of the extremely high interest and fees.They then send me paperwork in the mail in which I already can access on their website which does not solve my problem. The interest and fees are ridiculous!!! 

I would like to speak to someone more than once about this matter and finally come to a resolution!! Contacting me once and sending paperwork that I can access on the website does not solve this matter!!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of an unauthorized hard inquiry on my credit report, as listed in the report I received from your agency. I have identified some inquiries that were made without my consent or knowledge and most of them were deleted already. 

To assist you in your investigation, here is the inquiry that I am referring to : -- EXPERIAN -- XXXX XXXX XXXX XXXX
Product: Credit reporting

I recently ordered copies of my credit everything looked good until I saw all thrse hard inquiries that was not mine I instantly called and had these disputed XXXX and they put a fraud alert on my credit report I then contacted XXXX and went through the online process of disputing these inquiriesin they just sent me an email saying to contact the creditors who furnish them with the information which I did before in they told me I need to take that up with the credit bureaus I also tried calling transunion to dispute the inquiries in everytime im met with rude people that give me fake names transfers me all over the place even people hanging up so right now I dont know what to really think or do I was advised by XXXX to contact consumer financial since I was having such a hard time getting someone to help its always that stigma guilty until proven innocent
Product: Checking or savings account

I purchased a XXXX XXXX XXXX  for {$22.00} on XX/XX/XXXX and my airlines was rescheduled I got a full refund and and now Wells Fargo can't find my money. The refund for XXXX was provisioned to me and another XXXX was old but now I filed a claim for the missing money and it don't even show on my transcripts statements that I purchased at airlines ticket or {$150.00} with credited to my account. XXXX is the XXXX XXXX Confirmation number.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX, XXXX XX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Regarding Debt Collection Practices Dear Sir/Madam, I am writing to file a formal complaint against CBE GROUP. I believe that their actions have violated several laws and regulations, including those outlined under 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-s 2 ( 7 ) ( A ).

Under 12 CFR 1006.34 ( b ) ( 5 ), debt collectors are prohibited from making false or misleading representations. However, CBE GROUP has repeatedly provided inaccurate information and made misleading statements regarding the debt I dont owe.

Furthermore, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), debt collectors are required to provide consumers with written notification of their rights. I have not received any such notification from CBE GROUP, which is a clear violation of this regulation.

Additionally, under 12 CFR 1006.34 ( d ), debt collectors are prohibited from engaging in unfair practices. CBE GROUP has employed aggressive and harassing tactics in their attempts to collect the debt, which I believe constitutes unfair practices.

Lastly, under 15 USC 1681-s 2 ( 7 ) ( A ), debt collectors are required to provide accurate and complete information to credit reporting agencies. However, CBE GROUP has inaccurately reported information about my debt, which has negatively impacted my credit score.

I am requesting that CBE GROUP provides me with the purchase agreement between them and the original creditor, I will also need CBE GROUP furnish proof that theyre licensed to collect a debt in state of Texas .

I request that the Consumer Financial Protection Bureau investigate the actions of CBE GROUP and take appropriate action to ensure they comply with the laws and regulations governing debt collection practices. I also request that any incorrect information reported to credit agencies be removed immediately. 


Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

They charged me an annual fee even though they said that they would not. Then they started charging me finance charges and late fees on that which I do not owe. Then they refuse to close my card when I ask them to.
Product: Credit reporting or other personal consumer reports

According to my credit reports with all three bureaus, there are several inaccurate payments reporting on my account with XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX that are affecting my credit negatively. All three bureaus are reporting inaccurately and showing no data for multiple months which is invalid. Below are the laws that were broken by the creditor and when asked to update reporting they have failed to do so therefore I am requesting that all three bureaus update late payments to paid as agreed or mark them as current.

According to 15USC 1666b. Timing of payments ( 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.

I was not given this information 21 days before the due date via email or mail. 

15USC 1681a. Definitions ; rules of construction ( 2 ) Exclusions.-The term " consumer report '' does not include- ( A ) any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

15USC6802. Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Product: Debt collection

I underwent an embryo transfer at the end of last year in XXXX, resulting in a {$100.00} balance in my XXXX financial account. The bill from XXXX was sent in XX/XX/XXXX, and I paid the balance on XX/XX/XXXX. Unfortunately, XXXX did not update my payment in their system and forwarded my information to AR Resources, a debt collector. 

In XX/XX/XXXX, I received the first letter from AR Resources stating that I had an outstanding balance due to XXXX. Upon receiving the letter, I immediately contacted XXXX 's financial department and spoke with XXXX to update their system and inform AR Resources that the balance had been paid. 

Despite this, on XX/XX/XXXX, AR Resources sent me another letter claiming that XXXX notified them my outstanding balance remained unpaid. This is highly irresponsible and has caused unnecessary stress and inconvenience for me. It is AR Resources ' responsibility to ensure that account balances are accurate and updated.
Product: Debt collection

In XXXX of XXXX my lease foXXXX XXXX XXXX was terminated because I was issued XXXX XXXX military orders. Per the XXXX XXXX civil relief act I can not be charged a early termination fee. I left the apartment for XXXX XXXX and was never issued a statement of charges or my security deposit. I had tried to correspond with the creditor and they would not return my phone calls or emails. Three years pass while i am still on XXXX XXXX orders and am out of the state and my credit report alerts me i have XXXX dollars in collection from XXXX XXXX the same day I send certified mail to the collection agency a request for a statement of charges and debt validation request they have never responded and say they sent it electronically I did not receive this and have no emails from the collection agency.