23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Caller left no message so I called the number back and got told I owed a debt to Washington Mutual credit card. After I told caller to stop calling me and to only communicate through writing, continued to call me 12 times. I have no knowledge of this debt, does not show on my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that are inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I contacted Lincoln Automotive Financial Services for a lease payoff on XXXX occasions. I was quoted a dollar amount. When the dealer called to confirm the payoff amount for my early lease termination, he was instructed to call the dealership I leased the vehicle from ( XXXX XXXX XXXX in XXXX ). The payoff amount quoted was {$1000.00} higher. I contacted the dealership and was told this was due to the early termination fee the dealership charges for terminating the lease early. I was not returning the vehicle to the dealership, it was being purchased by a new dealership. He could not substantiate what this fee included and when I complained, he agreed to lower the amount to {$500.00} ( which he stated was the early termination fee charged for customers who leased another Lincoln ). I reviewed my lease agreement and it does not state an early termination fee. There is only a warning that a substantial early termination charge may be incurred. I terminated the lease XXXX payments early. The individuals I spoke with at Lincoln Automotive Financial Services never informed me of this fee or the requirement to contact the dealer for the exact payoff. I believe this early termination fee is excessive and should be clearly stated on the Lease Agreement in order to be charged.
Product: Credit reporting or other personal consumer reports

I cosigned for a vehicle lease for someone else. The account became delinquent and I was never notified by the company. When I found out, I contacted the company and I paid the full balance of {$1300.00} on XX/XX/XXXX. In XX/XX/XXXX, the company reported a charge off after I had paid the full balance. This was malicious and creates a false and unfair depiction of me. I have no other late payments on my credit reports yet I have been paying higher rates for an excessively long time ( 6 years ) because of something that was not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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: Bank account or service

I opened a checking account with Citi in XXXX 2015. The promotion was that after I spent {$1000.00} and did two bill pays within 60 days I would get XXXX XXXX XXXX miles from Citi. I did both quickly and Citi refused to award me my miles saying I did the wrong kind of bill pay. They granted me an extension to make additional bill pays which I met XX/XX/XXXX, they still refused to award me my miles. I opened a complaint with Citi which took approximately 7 phone calls to resolve because the department that files the complaint was n't working to resolve the issue. I just heard from Citi that they denied my complaint because I did n't spend the requisite amount of money on the card.
Product: Debt collection

debt was in dispute, but still passed to another debt collector, who advanced to file an illegal action
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX 's XXXX XXXX for 2 weeks and I dropped out back in XX/XX/XXXX due to XXXX. This school was under investigation for fraud. Cashing students checks that had withdrew. This is fraud. Over 30 years and it is still haunting me. Please review all documents. I submitted to XXXX  XXXX XXXX twice. Please remove from my credit file. This is fraud and not my debt. I filed I'd theft affidavit. I pulled all records from us department of education records were falsified. They show me graduated and I never graduated from college. Please review and remove this inaccuracies from my credit file.
Product: Checking or savings account

On XX/XX/XXXX, I went shopping in XXXX XXXX XXXX XXXX  around XXXX. 
At XXXX I sent a XXXX XXXX to my friend which is on my bank statement. 
I used cash while in the XXXX so that day I did not use my debit card. 
I got home around XXXX and noticed my card was missing, and immediately called Chime Customer Service the next day, around the evening/night time. 
XXXX Unauthorized transactions were made on my card at : XXXX at XXXX for {$40.00} XXXX at XXXX for {$11.00} XXXX at XXXX XXXX XXXX  for {$120.00} There was another unknown charge on my account for {$24.00} at XXXX All these charges have been made on the same day XXXX XXXX. 
A Police Report Has been filed at XXXX XXXX XXXX. My Case Report Number is XXXX. 

I tried to resolve this with chine since XX/XX/2022 and they refuse to open the claim or my rebuttal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts of student loans that are showing up on my account. These loans have been settled, refinanced, and or are currently in negotiation. This credit bureau refuses to report accurate information about my account and remove the accounts but continues to report false and inaccurate information. i have been fighting since XXXX with little or no changes The following accounts are in question XXXXXXXX Account # XXXX XXXX XXXX XXXX  XXXX XXXXXXXX Account # XXXX DeptedXXXX accont # XXXX XXXXXXXX  account # XXXX XXXX XXXX Account Number XXXX XXXXXXXX Account # XXXX XXXXXXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have no applied for products with these companies, I have asked that it be removed and its still present 15 U.S. Code 1681i Credit Inquiries Credit Inquiries - Summary XXXX TransUnion XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MN XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXXXXXX Balance : {$40.00} ; XXXX XXXXXXXX Balance : {$96.00} ; XXXX XXXXXXXX Balance : {$110.00} ; XXXX XXXXXXXX Balance : {$10.00} ; XXXX XXXXXXXX Balance : {$75.00} ; XXXX XXXXXXXX Balance : {$21.00} ; XXXX XXXXXXXX Balance : {$80.00} ; XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXXXXXX Balance : {$31.00} ; XXXX XXXXXXXX Balance : {$310.00} ; XXXX XXXXXXXX Balance : {$28.00} ; XXXX XXXXXXXX Balance : {$570.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Ive never went into any agreement with XXXX XXXX XXXX. Ive asked TransUnion to validate this information but theyve failed to do so. Ive never entered into any agreement with XXXX XXXX XXXX, so therefore it shouldnt be reporting to my credit. Ive also tried to just settle with them but they are way too aggressive and they refuse to do a decent settlement with me. This debt is not mine, I just want it to go away because its stressful.
Product: Credit card

I have had this credit card for a 5 years I was making payments on it every month and now they closed it and idk why. I called and tried to talk to them about it and I cant get any answers.
Product: Checking or savings account

I opened a Citi checking account in XXXX, I sent a wire transfer from my business account at XXXX  in the amount of {$110000.00} to my personal bank account at Citi bank on XXXX XXXX. The funds arrived normal I used some of the fund but about {$68000.00} was left. On XX/XX/2024 they blocked my account and online access and said they decide to close my account because I violated they account agreement which I did not, only thing I did was use my account sent few wires and paid payments. So I was told that it will take them XXXX days to close the account. On XX/XX/2024 they closed my account and on XX/XX/2024 I received a check for {$200.00} as a balance owed from closure of the account. I went to Citi bank and was told that I need call in for this so I contacted Citi bank and got rerouted to XXXX different departments when I was finally told that after they completed their investigation they concluded that no funds were going to be returned to me. And I kept asking how they concluded that no funds are owed to me and they cant answer. They refused to give me any details and only thing they said is I will not receive any funds from my account that I had funds in and they said they wont be sending it back to the sender of the wire either.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A .Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1692 Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

According to the provision of the Fair Credit Reporting Act 61 1 ( a ) [ 15 USC 1681i ( a ) ], these items must be deleted from my credit report within 30 days. In the interim, if it is determined through your investigation that the disputed item is inaccurate, please remove from my credit report and send me notification that the XXXX XXXX Potentially negative information has been updated and removed
Product: Credit reporting or other personal consumer reports

XXXX5 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any Intormation In me tie or a consumer inarte consumer centres as Intormation that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM Experian.
Product: Debt collection

I know i paid on the card when i had it and i believe the amount owed is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : AMERICAN EXPRESS Accounts # XXXX I am writing you to inform you that under the F.C.R.A Law American Express failed to notify me at least 5 business days before they reported negative items/late payments on my credit reports for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. By F.C.R.A law whenever a creditor decides to put a negative account on your credit report they have to notify you at least 5 business days before and they failed to do so. American Express failed to follow the F.C.R.A regulations on when they are reporting negative items on my credit report. They have to be compliant, accurate and specific at all times when they decide to put any negative accounts on my credit reports. Under the F.C.R.A Law they failed to provide these notices to me. A failure to notify is a failure to report accurately and also a failure to comply. 
Because they failed to notify me, it is an obligation to remove these items, its not a dispute in this, its a fact under the F.C.R.A Law and these negative items/ late payments must be removed. Also under the F.C.B.A they failed to provide me with an accurate and up to date balance the months they reported these negative items. How do I make sure that the balance wasnt modified or misrepresented at that time causing these accounts to be late?? In reference to this I would like to see up to date balances from those specific months and how it was justified to be late. How can I be sure that my account was late at those times or if this was a calculations error? I dont have the details, so Im asking for whatever evidence or documentation that they have under compliance!! these negative items/ late payments must be deleted.
Product: Credit reporting or other personal consumer reports

These accounts are past statue of reports and needs to be removed off all XXXX credit bureaus. Equifax, XXXX, XXXX. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, 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 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

I am submitting a formal complaint regarding multiple inaccuracies on my credit report, including a collection account for an alleged debt I do not recognize and charged-off accounts that are being misreported. These errors are unfairly causing significant damage to my credit and should be corrected immediately. The collection account in question is for a debt I do not acknowledge and should not be held responsible for. There is no substantiated proof that this debt is valid or belongs to me. Similarly, the charged-off accounts are being inaccurately reported, showing incorrect details such as credit limits and past due balances, which is inconsistent with how charged-off accounts should be represented.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : Chapter XXXX Bankruptcy Case Number : XXXX Remove this Bankruptcy from my Public record Chapter XXXX Bankruptcy Case Number : XXXX Remove this Bankruptcy from my Public record
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the same accounts multiple times and after the so called investigation by the credit bureaus it has not been resolved. With the indisputable truth and failure to disclose all information on credit reports even after disputes and still withholding information of my credit report from me. In regards to the following accounts : XXXX  account number XXXX and account XXXX account number XXXX
Product: Mortgage

I made an electronic payment to LoanCare LLP on XX/XX/2020 in the amount of {$2200.00}. The mortgage company states that they did not recieve the payment. I contacted XXXX XXXX bank and they confirmed that the payment was made with transaction # XXXX. I have spoken to LoanCare at least a half dozen times and have been treated with disdain, and told I have not furnished them enough information. I have paid my mortgage electronically `through XXXX and XXXX XXXX for years without a problem. I made a claim with XXXX XXXX which was denied because they confirmed the money was received by LoanCare. Please Advise.
Product: Credit reporting

Between the date of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX My Equifax credit score dropped XXXX points. When I called the bureau they did not clearly explain how my score had dropped XXXX points. I had only XXXX 30 day late penalty that was new between the report that was pulled onXX/XX/XXXX and XXXX/XXXX/XXXX. The Bank I was applying for the loan was baffled by the catastrophic drop. I am trying to get a refinance cash out loan on my house to pay off all of my debt and only have a mortgage payment. This loan would help free up some money for savings and then I would not have to live paycheck to pay check. The reason I am filling this complaint is without a credit score of XXXX the bank can not move forward with the loan. I was frustrated with the credit company because they could not explain clearly why the XXXX negative things on my credit history would cause a XXXX point drop. I asked how many points each of the negative reports were worth and they could not give me an answer. Aside from the 30 day late payment on a credit card I have had perfect payment history. I believe that my score has been wrongly adjusted between these dates and needs to be looked at and readjusted. I am frustrated and confused and this is significantly impacting my life and financial stability. Thank you for your time. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a request to Experian for verification on information reported in my consumer credit report pursuant to the Fair Credit Reporting Act ( " FCRA '' ) by providing me with a copy of the original agreement with my signature for both ( 1 ) XXXX XXXX XXXX with a balance of {$780.00} and, ( 2 ) XXXX XXXX collection accounts. However, it has been more than thirty ( 30 ) days since my request and I have not received the results,  requested documents, an updated credit report, or a confirmation that the request was received. I called Experian today and, per my phone call they have yet to verify XXXX XXXX and allegedly sent the results for the investigation on XX/XX/2020 but, I have not received any correspondence from Experian whatsoever.
Product: Payday loan, title loan, personal loan, or advance loan

We were solicited off XXXX on or about XX/XX/XXXX for a quote for a bathroom remodel. We were contacted by a company named XXXX XXXX, who sent a sale rep to the house to show us different designs and materials. After my wife and I decided on the bathroom remodel design we wanted, we filled out a form to apply for their special 0 % down, 0 % percent finacing for 12 month through a leander named Momnt. ( XXXX ) customer service number. account number XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The represenative XXXX XXXX explained that we were apporoved and a rep would be by the house in a few days to take measurments. As he explained we were contacted by the representative and they showed up to take measurments where they explained their material and tubs are made in Illinois and would would be availaible around XXXX. We immediately recieved payment request from Momnt which we made every month until when we didnt hear from XXXX  XXXX XXXX XXXX, and attempted to reach out, whereas the phone numbers were disconnected. We called the corporate office located in Illinois and spoke to customer service whom explained that they were aware of the sub-contactor issue and advised to dispute the fraud with Momnt. We called Momnt whereas they acknowledged the known issue with the company and stated that they appologize, and they will investigate. Shortly after the account showed closed in XXXX XXXX. In XXXX, XXXX, I recieve a email from Momnt stating that they are reinstated the loan and I would have to repay a loan that I was victim of a ponzi scheme. I called and spoke with customer service whereas they told me to bad. That I need to pay the loan. I would like to report fraud ... I never recieved goods or services and I had a loan fraudulently taken out in my name for a ponzi scheme.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I am requesting that the following account be verified or removed immediately. XXXX XXXX of Arkansas Discharge Date XX/XX/2017 Type Bankruptcy : Discharged CH-XXXX Reference XXXX Plaintiff