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

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX - XX/XX/2024 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX - XX/XX/2024 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

Incorrect Name - XXXX XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately. 

Incorrect Address - XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately. 

XXXX - XX/XX/2024 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

Trans Union, XXXX, and XXXX have violated my rights. 

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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
Product: Debt collection

Capital Accounts LLC is reporting the same ebt collection account twice on my XXXX, AND reporting the wrong amount owed. They will not verify the origninal debt ( Which is XXXX $ ) they are reporting different amounts to all 3 credit bureaus. ALL incorrect amounts. I have disputed this numerous times and have asked to validate the original amount- hey have not. Now in the last 3 months - they are reporting the SAME account twice on XXXX. I have disputed and I have no idea why it keeps getting validated when it it totally wrong. I now have to hire a lawyer to get this taken care of because they keep ADDING to the amount owed, do not verify the original debt and inaccurately reporting twice on XXXX This is beyond false information they are reporting and refuse to edit or remove it. I do NOT owe these large amounts and I will keep fighting
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
NEGATIVE ACCOUNTS : XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXE ) XXXX Balance : {$220.00} XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$83.00} XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$820.00} XXXX  XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/2015 Inaccurate Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX
Product: Debt collection

On XXXX XXXX XXXX Sent a debt validation letter also asking for the assignment contract . And I received nothing . Ive disputed this several times and I cant get any help.
Product: Debt collection

Contacted the number XXXX provided on XX/XX/2025 to get more information about this debt. The advised they was a third party and couldnt give me information on when I opened this debt.
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits.

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.
Product: Debt collection

My debt was paid for by the hospital due to the financial hardship plan that I was approved for. I do not remember the exact date but the hospital XXXX medical approved me for it before they switched to XXXX hospital. Ive also went in and checked to see if this information was still correct and they said this should not be on my credit as well. I paid my sergeant bills as well so i do not know why this is stil on my credit report.
Product: Debt collection

This company put an old debt beyond the statute of limitations back on my credit report after it had fallen off over a year ago via the original debtor and another collection agency trying to collect on it. They NEVER sent any communication nor called me and allowed me to dispute it. They also lied about the dates and put XXXX XXXX. This debt was from XXXX. I saw it on my credit report via XXXX. They illegally parked an old debt and did it silently. I called and advised them to take it off immediately and advised them it was illegal and I would report them. The lady said she would NOT help me because I raised my voice and told her to take it off, that it was illegal, and an illegal practice. She advised me, she did n't care.
Product: Credit reporting, credit repair services, or other personal consumer reports

under 15 USC 1681. 
Account name : XXXX acct # XXXX Account name : XXXX acct # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Contacted Rocket mortgage and got pre approval for a loan up to $ XXXX. Talked to XXXX XXXX XXXX XXXX XXXX XXXX Call or Text ( XXXX ) XXXX Email : XXXX XXXX : ( XXXX ) XXXX NMLS : XXXX, and was informed that because i was in active chapter XXXX bankruptcy that they could not approve me for a loan, even though i can get a letter from the trustee. I can get a FHA loan. But they refuse to help qith my loan.
Product: Debt collection

Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you.

Please provide me with the below mentioned items : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount.

* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. 

I would like to inform you that your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, and it is regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. 
* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is.
Product: Debt collection

The collectors from this private loan National Enterprise System with the name XXXX and XXXX on XXXX/XXXX/XXXX and other days have constantly harassed a co-signer who is currently suffering from XXXX and can no longer XXXX or XXXX. At this point they started involving a third party his spouse and began to harass her threatening to garnish her wages and assets as well as take her spouses social security and XXXX. The third party was never authorized to be involved in the loan matters not by the originator, who is myself or the co-signer. I, as the originator have made multiple attempts to settle with them but since they continue to XXXX the signer who is slowly XXXX and his spouse who is suffering they no longer want to work with me and settle. NES used as a scare tactic and threatened the third party payroll and assets to get what they want.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Whom reports credit bureau I'm delinquent or owe. requested money on account been paid. And XXXX. Sold my information too multiple collection agencies name rXXXX XXXX XXXX XXXX .XXXX  XXXX XXXX XXXX whom also. Reporting trying collect on same account for XXXX 's. that not owe any money. .which has huge effect on my credit report 3 credit agency for months l have disputes this information which constantly still showing on my credit report. On the Billin shows other names instead my name. XXXX XXXX It shows different names on billing XXXX XXXX XXXX XXXX XXXX and these credit reports finding saying accurate reports. Which not true Documents attached bills not my name
Product: Credit reporting or other personal consumer reports

My credit reports are showing a late payment error from BMW. I never been late on any of my statements with them. This late payment error is bringing down my XXXX  score unfairly and I need this corrected right away or I will be looking into filing a claim against them for defamation of my character.
Product: Credit reporting or other personal consumer reports

I have repeatedly requested the address XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX to be REMOVED and provided my 6-generation address of XXXX XXXX XXXX, NY XXXX, to be corrected and remain on the report. All three credit bureaus refuse to acknowledge it.
Product: Debt collection

Debt Credit Services has only contacted me once about a XXXX XXXX bill that was closed by XXXX XXXX seven years ago. They contacted me only once by phone. The representative that I spoke with was very rude, and told me that I had to pay the {$690.00} that day. When I tried to explain to the representative that the amount was incorrect : I had moved out of an old apartment years ago, that the name was never properly changed by XXXX XXXX when I moved out and that they had charged me for several months instead of the property owner, while I was n't even living there. I offered to pay the amount that I had owed when I moved out, which was {$360.00}. The representative refused, and told me I had to come up with the full amount by the end of the month or they were going to sue me and garnish my wages! She scared me into telling her that I would call back to make arrangements for payments. I requested a bill outlining the amount owed, and she said it would be mailed to me. Since I have not received anything in writing, I did not arrange to make any payments. I never received a paper bill outlining the amount owed and for when. The XXXX XXXX account was closed seven years ago. When I have made attempts to call the Debt Credit Services to request a paper bill again, I either get a message saying the office is closed, or I have to leave a message. I have not received any calls back, nor have I received anything in writing.
Product: Mortgage

Extortion excess escrow ; with threatened Foreclosure for amounts not due ; attachments define the case with proofs ; opposing counsel states the Stipulated Injunctive order CASE XXXX Document XXXX Filed XX/XX/2015 as brought by FTC and CFPB are not enforceable between customers and Ditech Financial LLC , therefore they did no wrong that can be enforced, or the gist similar thereof ; Phone records and specific calls can be identified with key information, but implications are that the recording of such collections calls by Ditech as required to be kept at 90 % per the agreement, are not discoverable to an individual consumer Ditech has abused
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested for my late payments to be removed from my Credit Report ; because the monies were held in an escrow account for ever and my loan was not paid. While the modification was done and after the monies were not paid to my loan. I call XXXX every month and they never paid my account. i send a letter for them to do an investigation and obviously they feel it's my fault. In addition, I requested for XXXX to removed the complain as resolve, since nothing was done about it ; and was told by a XXXX in collection that : " if I wanted to clear the Credit Bureaus-it was my responsibility do clear the credit issue myself. I explain that he was wrong and by law all complaints need it to be clear as resolved. I did get a letter from XXXX stating that the inquiry was finish and they would not removed the late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2016, two ( 2 ) items were removed from my credit report, one for XXXX XXXX XXXX XXXX and one for XXXX XXXX XXXX. These items were deleted and were reinserted a couple of months later. I have disputed these items, requested verification as well as validation of these debts. These debts do not belong to me and I have been trying to get them corrected. I contacted XXXX and requested the procedure used to verify the accuracy of these items. According to the FCRA, the credit reporting agency should provided, upon request, the process used for verification. This process includes, but is not limited to, names of persons spoken to to verify debt, dates and times of said conversations, as well as any and all supporting documentation. <P/>When I asked the credit reporting agency, XXXX, for these items, they responded with a form letter stating that they are not required to supply these items. Their method of verification is electronic ( XXXX ) I am requesting an IMMEDIATE and PERMANENT deletion of the above said items, because they have not and can not be proven to belong to me. XXXX and refused and failed to properly investigate these items. This situation has dragged on for far too long with no attempts by XXXX to properly handle my disputes.
Product: Payday loan, title loan, or personal loan

Tower Loan sent someone to my house in XXXX to place a letter on my door, this is trespassing. I called and spoke to XXXX ( Store Manager ) and told him I was having trouble paying my loan and DO NOT send no one to my house again, he informed me that he was in his legal right to come to my house whenever he pleased. I told him do it again and see what happens. I asked him not to call my employer or my family, Tower Loan continues to do so now it's harassment. I've filed a complaint with Texas OAG and now with CFPB. They continue to call my phone and my job. The employer is sick of it and so am I we about to take legal action due to harassment at a place of business. 

Today I will send a cease-and-desist letter priority mail to see if they get the point.
Product: Money transfer, virtual currency, or money service

Alaska USA Federal CU ( Bank XXXX XXXX XXXX XXXX XXXX ( Customer ) We wish to report a {$60000.00} loss as a result of a banks lack of security, fraud and negligence. More likely Gross negligence as it was reported to the bank while the fraud was in progress, they had three days to stop the fraud and didnt. 

On XX/XX/XXXX our bank account was fraudulently hacked in the amount of {$60000.00} dollars. An ACH was initiated on that date in the amount of {$60000.00} and was scheduled to go out three days later on XX/XX/XXXX. We notified Alaska Federal officials ( fraud dept, dispute dept and loan dept, etc. ) on that day XX/XX/XXXX, with both multiple phone calls and in writing of this fraud. An email was sent from the bank the same day confirming the above and our notification. 
Regrettably it went from bad to worse. The bank could have and should have intercepted this fraudulent transaction immediately on XX/XX/XXXX, or on XX/XX/XXXX, or XX/XX/XXXX or in the morning of XX/XX/XXXX, before the transaction was consummated. NACHA Rules, Section 2.9 Summary The Originator must make a reasonable attempt to notify the Receiver of the Reversing Entry and the reason for the Reversing Entry no later than the Settlement Date of the Reversing Entry. 

Date - XX/XX/2022 Amount - {$60000.00} Multiple phone call, emails, letters to multiple Alaska USA Federal CU bank officers
Product: Money transfer, virtual currency, or money service

Date : XX/XX/2023 Complaint against Western union USA I am the plaintiff XXXX XXXX XXXX XXXX, I live in XXXX The facts : I You have applied for a loan from an institution XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX After approval was completed, they sent it via Western Union and I paid the required expenses to complete the transfer, but Western Union sent an invalid code and said that I must pay another {$300.00} in order for them to send me the loan amount. 
Attached is the transfer form Please Help I am Tired For waiting long time for my Money. 

XXXX XXXX XXXX XXXX : XXXX