23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I understand that FCRA XXXX mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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.

Account Name : Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX IN, XXXX XXXX - XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/2025 Subject : Dispute of Inaccurate Late Payments XXXX ( Account # : XXXX ) & XXXX XXXX  XXXX Account # : XXXX ) To Whom It May Concern, I am formally disputing the late payments reported on my credit file for the following accounts : XXXX ( Account # : XXXX ) XXXX XXXX XXXX Account # : XXXX ) These negative marks are inaccurate, and I am requesting their immediate removal per the laws outlined below. 

1. FCRA 1681i Dispute with Credit Bureaus Under the Fair Credit Reporting Act ( FCRA ) 1681i, credit bureaus are required to investigate and verify the accuracy of any disputed information. If the furnisher ( creditor ) can not provide proper documentation proving the late payment is valid, it must be deleted from my credit report. I request that you : Conduct an investigation into these late payments.

Provide me with the date, proof of delinquency, and original creditor documentation validating these claims. 

Delete these late payments if they can not be fully verified. 


2. FDCPA 1692g Debt Validation Requirement Under the Fair Debt Collection Practices Act ( FDCPA ) 1692g, if any third-party collection agency is reporting these late payments, they must provide : Proper validation of the debt.

Original creditor records showing that I was notified and given a chance to dispute the alleged late payments. 


If the furnisher can not provide this validation, the late payments must be removed from my credit report immediately. 

3. TILA 1666b Timely Posting of Payments Under the Truth in Lending Act ( TILA ) 1666b, payments must be credited as of the date of receipt, unless a delay does not result in a fee or an adverse effect. If the late payments were caused by improper posting or delay on the part of the creditor, this reporting is inaccurate and violates federal law.

I demand that you provide : Documentation proving that my payments were processed correctly and in compliance with 1666b.

If no such proof exists, the late payments must be removed from my credit report immediately. 


Resolution Requested : Delete the late payment entries from my credit report entirely, OR Update the account status to Paid Never Late, ensuring no negative marks remain on my report.

I request written confirmation once this matter is resolved. Thank you for your immediate attention to this dispute. 

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

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

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

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

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

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX, and transunion about having several unauthorized inquiries on my credit report. I asked them to validate or otherwise remove them because I knew they were not authorized and they sent me back a letter stating companies are allowed to run my credit even though I specifically told them I had not auttorized certain ones and had zeros knowledge of them.
Product: Credit card

My brother has a Bank of America credit card he quit paying on a few years ago when he lost his job. He XXXX is a U.S. Army retiree with XXXX, XXXX, XXXX and physical injuries XXXX. He has an XXXX and needs another XXXX. He had XXXX XXXX about 2 years ago, he has spent months in XXXX to no avail, he has had to call XXXX three times in the last few months as he has no memory and takes too much XXXX forgetting he alredy took it. He can XXXX and can not manage his affairs. He lives on about {$1400.00} per month and Bank of America is trying to garnish his bank account where his XXXX social security is paid into. Bank of America has been provided all this information but persists in collection despite having proof his only, meager income is exempt.
Product: Checking or savings account

A company by the name of XXXX charged my account XXXX. I reported this as unauthorized on XX/XX/19 and My bank Bank of America refuses to issue me a credit. I have 3 overdraft fees and I can not pay my car payment. B of A is showing zero compassion they will not even issue me a partial credit to pay my car payment. Ive never been treated so badly by any financial institution. All I want is my money back. There is such a lack of compassion. I want this complaint published publicly so no one else has to suffer through this. This situation has caused me to become sick and miss work as well.
Product: Credit reporting or other personal consumer reports

Hello and good day, it's been months and my requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what you are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 Accounts listed erroneous by your company. I am disturbed that you continue to list a dismissed file bankruptcy as confirmed. I am aware that you receive your information from a third party verification system known as a XXXX XXXX. This system is sometimes inaccurate because of the limitations of providing a complete social security number. Although it is your policy to keep reporting bankruptcy that is filed dismissed or adjudicated for 10 years, The Fair Credit Reporting Act mentions nothing in section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order for relief. Any case civil or otherwise which is dismissed no longer exists in the eyes of the law and the case file may have never been adjudicated. You have no right to obtain information which the government had deemed non existent. It is only fair that in accordance with section 1681 ( a ) of The Fair Credit Reporting Act you delete this from my credit report and send me an updated copy considering it does not require an investigation i would appreciate your response within two weeks from the  date you receive this letter. 

Sincerely XXXX XXXX
Product: Mortgage

I contacted Citi Mortgage numerous times a year concerning my account concerning concerning the late fees and delinquency expenses on my account. I was told that that it would be corrected however there is never a record of the agents. I am trying to pay off my mortgage and they have tagged {$3100.00} of charges that they have no documentation that I owe they sent me a fee/description that states interest on ESCT ADV SHORT TOTAL {$1.00} DELINQUENCY EXPENSES INSPECTIONS and XXXX XXXX XXXX XXXX that they can not provided details, times, whom conducted it so they so they XXXX XXXX by, and also stated they did n't have to tell me that they conducted it but yet at the end of my mortgage they take it upon themselves to charge me. 
I gotten responses back concerning nothing that I wrote requesting valid proof t and they can not provide. 
How can you be charged for a drive by with no contact notification nor proof. 
My contract says late fee 's XXXX cent per dollar for years I was charged he same aam amount. 
Citi Mortgage Company should not be allowed to put charges on without proof. 
I am requesting that these charges be removed and I be allowed to pay off this mo mortgage with the correct amount due. {$3100.00} is the amount that should be rem removed.
Product: Credit reporting or other personal consumer reports

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau on XX/XX/XXXX. Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

bogus charges added to payoff. 

my loan is current so i 'm not sure why i 'm being charged {$950.00} for civil litigation??? 

i also recently ordered a payoff and was charged {$30.00}. At NO point during ordering said payoff was i advised of ANY fee. 

I also was charged {$13.00} for a satisfaction cost? i 'm not sure what 's been satisfied???
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, & XXXX  IS IN VIOLATION OF THE FCRA!! They are not properly VERIFYING consumer accounts. Per the FCRA furnishers are to verify and validate accounts by requesting/providing ACTUAL DOCUMENT PROOF BEARING A CONSUMERS SIGNATURE SUBSTANTIATING ALL CLAIMS/ACCOUNTS. THESE REPORTING AGENCIES ARE LAYZ AND ARE NOT FOLLOW THE PROPER PROCEDURES LISTED IN THE STAUES OF THE FCRA. IF ACCOUNTS ARE NOT PROPERLY VERIFIED WITH PROOF OF CONTRACT THE ACCOUNT ( S ) MUST BE DELETED IMMEDIATLEY!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX No contract and no completed information XXXX XXXX XXXX XXXX unauthorized inquiries XXXX/XXXX XXXX XXXX XX/XX/XXXX7 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX - Balance {$0.00} - Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX - BALANCE {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX Re : XXXX XXXX Account Number : { XXXX } To Whom It XXXX Concern, I have received my credit report and I have contacted numerous times and even disputed it with the Credit Bureau XXXX I am requesting a XXXX XXXX to remove the late payment ( XXXX ). 
All late payments were from late XXXX until early XXXX during the pandemic, and financial crisis. Before this time frame I paid more than asked ahead of time. 
I know this request is unusual, but it is ruining my good credit standing. I have had a mishap, and realize things happen. If you look at my records, I was always on time. The late payments are being reported and I am requesting the removal of these late payments, as it has been reported to the Bureaus. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

There is a XXXX XXXX XXXX card appearing on my credit that I never opened or authorized opening. I am a victim of identity theft. It says on my credit report it was opened on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I'm requesting for a Procedural Investigation of any information on my delinquency or derogatory behavior. Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me, to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX Account # XXXX
Product: Credit card

I was offered to have an XXXX citi card as there are no international fees if you use the card overseas. Bought my tickets with the card after i got approved. Before I leave the country I filed a travel notice and was provided a ref. no for it just so I could use the card. The consultant I spoke to assured me that my card is goodcto use. I tried using the card to make a purchase 5 days after but it got declined. So, I pulled up my account online and saw that there was a fraudulent hold placed on my account as I was overseas. Called citibank and spoke to different consultants and managers but no ones seems to know how to help me. They ask me for my personal informations like account password, date of birth, social security no. and banking information but they said they cant release the hold as they cant verify my phone no. as it was a prepaid phone.They did n't even tried to offer any other resolution as i was overseas. They finally told me that I need to go back to U.S. to fixed the enquiry. I spent probably almost 6hrs on the phone, trying to be nice and patient but none of them was being helpful. They keep on putting detailed notes of resolutions that they didnt do making me look bad everytime I would call them. Now, they would talk to me in a rude manner asking me to fax my infos ( such as social security card, Driver 's license, Permanent resident card, proof of billing etc. ) to them which clearly wouldnt work as I 'm overseas without access to fax and is using a local philippine mobile no. I want to now make a formal complaint as this was not my fault to begin with. The agent i spoke with put notes on the account about the travel notice but failed to apply the travel notice itself on my account and still they wouldnt accept it as their fault and release the card.
Product: Credit reporting or other personal consumer reports

I DON'T UNDERSTAND WHY Y'ALL KEEP DENYING MY IDENTITY THEFT CLAIM. THIS IS PURE FRUSTRATION AND ANNOYANCE TALKIN ' HERE, BUT IT JUST DON'T MAKE NO SENSE! Who gave YOU THE RIGHT TO SAY I AIN'T BEEN A VICTIM OF IDENTITY THEFT? I know what's goin ' on with my own stuff. Y'all ain't no judge or jury! I sent a legal law enforcement agency report to prove what happened to me. Let 's get this sorted out within the 5 days the law says you got ta do it in. Don't make me come after you! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccuracies on report thats affection my credit. According to 1681b number 2 I never instructed the agency to furnish my report or create this report and I never consented to this report in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 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: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX Balance : {$1800.00}
Product: Credit card

Discover put a large charge on my card, and sent me a message right away that they had approved it. I responded within minutes that this was not a legitimate purchase, then reviewed my card and listed several other recent charges that were not mine. At first that was all fine. They took that off the account, I paid my legit balance, and never used to fraudulent card again. 

I then saw them put through a charge for something I had cancelled, I made them aware and they did nothing to correct the situation on the supposed closed fraudulent account. 

Today I was checking my credit report and see that they have put back the charges that I did not make. 

I want this card closed permanently and for them to removed the fraudulent charges as they originaly had. There is zero legitimate proof of these transaction possible as I am the only holder, and I never made them. The one for more than XXXX I was sitting on my couch when they notified me they had just approved it. Physically impossible- and the others were just ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  XXXX. On XXXX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Iowa XXXX Dispute of Collection Account and Violation of Consumer Rights, Request for Debt Validation and Purchase Agreement I am writing to dispute a collection account that has been reported to my consumer report by XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX phone number XXXX and ABLTY RECVRY XXXX XXXX XXXX XXXX PA XXXX phone number XXXX. Despite numerous attempts to obtain validation information as required under 12 CFR 1006.34 ( b ) ( 5 ), the collection agency has failed to provide any such documentation.

I am disputing all debts and revoking all rights Of communicating with me through via email text and call Furthermore, I have not been given a fair opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( I ). This lack of transparency and opportunity to contest the validity of the account violates my consumer rights.

Additionally, I believe that the collection agency is engaging in false, misleading, and deceptive practices. By reportin the account to consumer reporting agencies without providing the necessary disclosures required by law, they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to remedy the violations of my consumer rights. Enclosed are copies of any correspondence and documentatio related to this dispute for your review. 


Also I am writing to submit a formal complaint and request assistance in obtaining validation of a debt that has been placed in collections against me. Despite nunerous attempts to obtain this information from [ Name of Collection Agency ], they have failed to provide any documentation validating the debt as required under the Fair Debt Collection Practices Act ( FDCPA ).

Specifically, I request the following information : 1. Validation of the debt, including details such as the original creditor, the amount owed, and the date of default.

2. A copy of the purchase agreement between the original creditor and [ Name of Collection Agency ], outlining the terms of the sale of the debt.

3. Proof of license and bonding for [ Name of Collection Agency ], demonstrating their authority to collect debts in my state. 

I believe that obtaining this information is crucial in ensring the accuracy and legitimacy of the debt being claimed against me. Without proper validation and documentation, I am unable to verify the validity of the debt or assess any potential inaccuracies or discrepancies. 

I kindly request that the Consumer Financial Protection Bureau intervene on my behalf to compel [ Name of Collection Agency ] to provide the requested information in accordance with the FDCPA and other relvant consumer protection laws. 

Thank you for your attention to this matter. I trust that you will take the necessary steps to ensure that my rights as a consumer are protected. I look foeward to your prompt assistance in resolving this issue. 

Sincerely, XXXX XXXX