23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that the credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the credit bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance {$740.00} ; XXXX, XXXX XXXX XXXX Owed : {$1200.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX  XXXX XXXX XXXX  XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX Inquiry Date XX/XX/2022 ; XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX  XXXX XX/XX/2022 ; XXXX XXXX XXXX  XX/XX/2022 ; XXXX Inquiry Date XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Product: Credit reporting

I have a public record due to common law. This debt was created without knowledge, but was paid in full to clear my credit.
Product: Credit reporting or other personal consumer reports

A company called " NETCREDIT '' is reportign a inaccurate and fradulent past due amount on my credit report. The company has the account status as " '' Charged off ''. The date of last activity is incorrect and the date opened is also reporting inaccurate along with the payment amount. This is a violation of the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a XXXX credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr, has violated my rights. 

15 U.S.C 1681 section 602 A. State I have the right 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
Product: Credit reporting or other personal consumer reports

My loan ended with XXXX on XXXX of XXXX when that happened a had a remaining balance of {$1700.00}. Previous to that, I filed a complaint with CFPB because they kept adding to my balance and I demanded an investigation to let me know the months that I was late according to them and they just provided me with statements and never helped. I continued paying my balance down of {$1700.00} since XXXX of 2024 that was my balance and never went down. i called them telling them my plan was to pay my debt and made payments through my app and they were not reporting to my credit as if I was not paying. I had to write a letter directly to them to address my issue because CFPB did not do anything either. they have hurt my chances of becoming a homeowner and now my loan has been paid off and they still have not reported that to my credit, therefore affecting my score. XXXX has violated every single consumer right of mine and blatantly stolen my money with assistance from who I sought help from. they haven't even sent my lien release. if this is happening to me, it is happening to thousands. I hope I get the back up from you that I need this time.
Product: Vehicle loan or lease

When I spoke with XXXX XXXX - he didn't believe he had any obligation to send me the documents I was requesting and told me that they were public record and that I would be required to request them via public record. He did send an incomplete payment ledger, the original contract and the small claims money award. When I asked him for the judgement related to the money award- he said he wasn't required to send that information and asked me under what authority I was requesting that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

I have credit cards on my credit report as far as 1994 still showing which is derogatory to my credit ... I have a mailed report that XXXX was taken off, and its showing on my credit, I have XXXX fashion bug cards showing on m report that have n't been used, no money owed from yrs back, I do not understand this at all ... I also have XXXX XXXX, XXXX, and XXXX, now these are old accts that are ruining my credit..I want them taken off, they have n't been usd in yrs, and I do n't even have a XXXX XXXX acct, and was supposed to come off, still shows I paid a collection, Now my daughter had the same thing, her collection is totally off, I paid XXXX XXXX for XXXX XXXX XXXX XXXX I was told XXXX XXXX XXXX that it would go away.At this time I am trying to do what I can as my husband XXXX left me XXXX closed our bank acct. took his check and left me, new house, car, whatever, and I am struggling for my credit ... I need some kind of credit, and I know it takes time to repair, I am doing the best I can, now these cards I am talking about, I have n't used in yrs..Please take them off my credit! 
Thanking you in advance XXXX XXXX XXXX ... XXXX XXXX XXXX Pa XXXX
Product: Money transfer, virtual currency, or money service

Every time needing helping it would not help me or give me any information
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED FIRST XXXX XXXX XXXX XX/XX/XXXX EXPERIAN BUSINESS CRED - XX/XX/XXXX EXPERIAN BUSINESS CRED - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I never received a thing but a summons from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I was never able to dispute anything. I answered the summons with my election for contractual arbitration and even sent XXXX XXXX a letter before I sumitted my answer to the court here in Arizona. 

XXXX answered back with a motion for summary judgment. XXXX ignored my letter electing arbitration per Citibank cardholder 's agreement. XXXX forced me into litigation when a clause in Citibank 's cardholder agreement protects any alleged consumer from litigation. 

MY QUESTION TO XXXX FUNDING IS THIS : Why did you drag me into litigation when I invoked arbitration from day one? You ignored me. You denied my due process. 

CURRENT SITUATION : I was unlucky enough to get a superior court judge that does n't know arbitration laws and he gave XXXX a summary judgment against me. I fought the litigation as much as possible, but the irony is that the arbitration clause protected me from litigation and yet XXXX kept dragging me through it. 

Now there is a summary judgment that I am appealing to the Court of Appeals, who I hope knows the arbitration laws. 

WHY WAS I PUT THROUGH LITIGATION EVEN AFTER I INVOKED THE ARBITRATION CLAUSE? Why is it okay you ignore my rights as a consumer that is invoking the arbitration clause? I want answers. You have really ruined my health and denied my rights.
Product: Credit reporting

XXXX my creditors reported me deceased back in XXXX, it has been a living nightmare trying to have it reversed. I have submitted complaints to Equifax XXXX to date XXXX. still have me listed as unrated and deceased. Equifax has not updated my report. Therefore I can not get credit, and I have a business and it is severely affecting how I do business. After many letters sent certified return receipts, I am at a loss as to what steps to take next. In XXXX XXXX Bank called my mothers house to update their files? never called me, and she said XXXX died 28 years ago, that was my dad, XXXX did not send letters to my to confirm or call my cell. They wrote that account off and left XXXX other accounts active. 
I want to know who to talk to how hard can it be to reverse the damage. And XXXX will not talk to me I get transferred XXXX. 
I am at my wits end.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called XXXX XXXX XXXX XXXX to inquire and possibly resolve a dispute I have been having with them reporting the charges off account ending in XXXX  to my consumer report. I spoke with XXXX XXXX who is the supervisor over XXXX XXXX XXXX. I alerted him that reporting transactions and experiences to to consumer reporting agencies is not supposed to be included in my consumer report and also that the account being reported is a charged off account meaning the debt does not exist anymore and that they have written off on their books but still attempting to collect. I raised my concerns and also read the law 15 USC 1681 2 ( a ) 1 which states that transactions and experiences are not to be included in a report. XXXX responded asking am I a lawyer and that they are going to keep reporting this even though I said this is against federal law. As a federally protected consumer this has harmed me because this company has no respect for my rights.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XX/XX/year>2025 XXXX XX/XX/XXXX XX/XX/XXXXXXXXXX/XX/XXXXXXXX Experian denied to follow up with the investigation. I recently was notified that CFBP has filled a lawsuit against the company ( Experian ) They alleged the company of accepting unreliable information, failure to notify consumers dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. Im requesting this derogatory remark to be removed The validity of this account is challenged. 
( XXXX ) delete this account due to 15 USC 1602 ( g ) ( 2 ), No evidence of indebtedness, only the agreement provided. You are still listing. DELETE ACCOUNT.

15usc1681 ( a ) ( 2 ) : You are reporting information that is said to be excluded from my consumer report that involves information as to transactions or experiences between myself and a creditor. Delete late payments as well. Experian violates my rights as a customer, as well as federal laws.
Product: Debt collection

These people continue to harass me over this XXXX XXXX yet they will not work with me on payments period they want all at once or none.
Product: Credit reporting or other personal consumer reports

Jefferson Capital Systems XXXX Claims that I owe them {$19000.00} account # XXXX I have never did any business with this company and they haven't provided me any contract that I signed with them to valid their claim, however its being reported on my credit report.
Product: Credit reporting or other personal consumer reports

Experian has failed yet again to remove another inaccurate account from my credit report. I want an explanation explaining the steps they used to verify this accounts accuracy, because I believe they are doing incomplete, inaccurate, and even some would say " fake '' investigations. I sent in all proof of the inaccuracies to Experian and the CFPB and would need this account removed immediately. This account is also now being put under litigation because Experian is not showing any fairness to its consumers. 

Account in reference : The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been received and should be completed by XXXX. 

Source : Experian Date Submitted : XX/XX/year> Estimated Resolution Date : XX/XX/year> Report Number : XXXX Account Number : XXXX
Product: Checking or savings account

On XXXX2019 I noticed that USAA charged me a fee " Excessive Trans Fee '' in my savings account ( screenshot attached ). I contacted USAA via the chat in the USAA App and spent a long time waiting for any answers. USAA gave a partial refund, but said they could not issue a complete refund for this outrageous fee because they said it's a Federal Regulation under Federal Regulation D. Why would the federal government make a bank charge me a fee for using my savings account? This makes no sense, this is causing me a lot of stress and anxiety. I don't know why I must spend so much time correcting this mistake that USAA is blaming to their benefit on the federal government. Please communicate in writing only no phone calls.
Product: Credit reporting

XXXX has a judgement shown on my report but it states that the balance is zero. Have contacted them and I am unable to get any information from any XXXX about this account or its status.
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my DataX consumer credit report sent to me via mail
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Charge Off Pursuant to 18 USC8, I owe no debt this company is violating my consumer rights by rights to privacy pursuant to 15 USC 1681B. 2 Company has also no permission to report anything using my info pursuant to 15 USC 1681 4
Product: Payday loan, title loan, or personal loan

They charge daily interest and there is no early payoff. So paying small payments prior to payment due dates should lower amount owed and interest calculated. however I paid {$200.00} couple days ago only applied {$180.00} to balance no explanation. Week before made 2- {$40.00} only owed balance owed by {$28.00}.

Today paid a {$12.00} only adjusted balance by less than a dollar.

They already charge an outrageous interest rate but if they are not applying the full payment to they are charging me interest on money paid that is fraud and wrong!!

they have not responded to 2 of my information requests.

below is pulled directly from a test I did to see if I was being screwed no payments affected any interest. That is wrong! 
Date Description Reference # Amount XXXX Payment XXXX {$75.00} XXXX Payment XXXX {$20.00} XXXX Payment XXXX {$20.00} XXXX Payment XXXX {$20.00} XXXX Payment XXXX {$20.00} XXXX Payment XXXX {$20.00} Interest Charged Date Description Amount XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was alerted via credit monitoring ( XXXX ) that a XXXXXXXX XXXX XXXX XXXX account was reported to my credit report with the name XXXX XXXX XXXX XXXX They are reporting an inaccurate address that I've never been associated with that is connected to the fraud claim : XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX. I HAVE A 7 YEAR FRAUD ALERT AND CREDIT FREEZE ON ALL 3 CREDIT REPORTS. THE INACCURATE NAME AND MULTIPLE ACCOUNTS BELONGING TO THAT NAME CONTINUE TO POPULATE ON MY CREDIT REPORTS. I have never been associated with that name. My credit file has been merged due to identity theft dating back to XXXX. My credit file has been in the Special Handling Department of XXXX as well as Transunion and XXXX due to accounts being reported to my credit report with account owners that have a similar name. The account is reporting a late payment also that has prevented me from moving and I am facing homelessness. I'VE NEVER HAD A XXXXXXXX XXXX XXXX XXXX ACCOUNT. XXXXXXXX XXXX customer service and supervisors have not aided in resolving this issue. 

I filed a dispute with all 3 credit bureaus in XXXX. Transunion is the only credit bureau still reporting the fraudulent names, addresses and XXXX XXXX credit card account. 

I mailed transunion : Dispute, Drivers license, Social security card, Birth certificate, Police report, FTC report, and Utility bills. Transunion sent a follow up letter requesting the same exact information I had already sent via priority mail. I resent the same documentation AGAIN in XXXX certified mail. The tracking number shows it was delivered. Transunion still decisions my case as the debt being valid even after claiming not receiving my documents that I sent TWICE and receiving correspondence from them stating they cant block and delete the fraud unless I send required documents, which I have done. 

I submitted ANOTHER dispute to Transunion in XXXX via XXXX and I uploaded all required documents. I have yet to get a response on the dispute. Please review it and remove the fraudulent information from my report as this is affecting my life and I can not find a place to live due to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Since XX/XX/2017, I have tried to have 2 incorrect accounts removed from my credit report, because I have not done business with the institution. I have all sent the bureaus a fraud affidavit in this regard and the 2 fraudulent/unknown accounts still exist on my report. I noticed Experian has a wrong social security number on my report. I have sent in my social security card and they still have not correct it. I believe that is how the two accounts got placed on my credit due to the wrong social security number.. 

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

Today is XXXX XXXX, XXXX. Last week I checked online with Equifax to find out if my info was breached. The response was that it may have been ( a yes or no would have been helpful ). Today I attempted to place a credit freeze with Equifax, XXXX and XXXX by phone and online. They were unable to process my request. 

Their industry created a potentially big problem for me but they are not allowing me to protect myself.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.