23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have already pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you, I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove altogether. Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditors. 
Complete payment history on this account, to prove that the amount you wish to collect is correct I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company.
Product: Credit reporting or other personal consumer reports

Lexisnexis risk show in XXXX a car accident in XX/XX/year>, this is wrong info, I went to XXXX in XX/XX/year>, I can proof it with my passport and visa.
Product: Debt collection

XXXX credit card balance is still being reported in my credit report even though I paid the debt via collection agency for XXXX. Settled the debt and paid XX/XX/2021. They continue to report a negative balance and late payments. Requesting late payments be deleted and balance reflected as {$0.00} and/ or deleted from all credit reports.
Product: Mortgage

XXXX transferred my mortgage to PHH. I attempted to set up a web account with PHH several times - each time they stated that our loans weren't transferred in yet I should wait. On the last day that my mortgage was due for XXXX I was forced to make a payment by phone and was charged {$7.00}. I was told that I wouldn't be charged. I spent hours and hours on the phone with them and they will not credit my {$7.00} back. They took my XXXX payment by phone and say that is compensation but it is not compensation - by then I could have made the XXXX payment by phone. 

They are extremely difficult to deal with and do not even speak XXXX well enough to understand what I am saying. They will not credit my {$7.00} back. 

Now they deleted my loan from their system. XXXX
Product: Debt collection

name LVNV Funding LLC, XXXX XXXX XXXX XXXX XXXX SC Re subject CC account number # XXXX, ref # XXXX to whom this may concern ; I would like to make arrangements to settle the above referenced matter please provide me with the statement of amount owing of XXXX I prefer a " true bill '' but will accept a statement [ by XXXX XXXX ] together with your assurance that you will accept payment in direct and immediate exchange for the for the original instrument of indebtedness in its original form. please be advised you are also in violation of information breach, as i will provide the applicable law [ s ] in my next complaint thank you very much, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter dated XX/XX/2022 from Equifax stating they had made an error by duplicating a negative collection account on my consumer report. The same account that I have been disputing as inaccurate multiple times perviously but they seemed to verify it as accurate ; Because of Equifax 's error I was denied a credit opportunity by a lender between XXXX and XX/XX/2022 and it was because the duplicate negative error showing an additional negative amount of $ XXXXProtected under the FCRA credit reporting agencies are required to provide accurate and complete information in a consumer 's credit report and Equifax has failed to do so. Not only did Equifax report false and inaccurate information on my consumer report but because of this significant error I was denied a credit opportunity from a lender.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX program. XXXX XXXX XXXX is stuck on XXXX. XXXX never moves. Program seems a little shady or better yet disorganized.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance Owed : {$140.00} XXXX  XXXX Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$470.00} XXXX XXXX XXXX Balance Owed : {$6100.00} XXXX XXXX Balance Owed : {$0.00}
Product: Bank account or service

Bank of American direct deposit funds into the incorrect and they were notified, however the funds were not rejected and returned to the original source. This has gone on for the past two months with this discrepancy and nothing has been done to rectify this issue.
Product: Payday loan, title loan, or personal loan

I have reseted my password multiple times and it still says it can't allow me access to my account.
Product: Debt collection

On XX/XX/2020 I received an account statement from the original creditor. On XX/XX/2020 the original creditor cashed a partial payment. On XX/XX/2020 I received a collection letter from a collection company. On XX/XX/2020 I mailed a request to verify the debt when the amount on the collection letter did not match the account statement I received from the original creditor. In my request letter I included a copy of the check cashed by the original creditor. I also included a check which satisfied the remaining balance. The check was cashed by the collection agency I did not receive verification of the debt, but instead received an additional collection letter dated XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputesregarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that 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 I am filling a complaint against Equifax for failing to properly investigate my disputesregarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that 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 I've marked as inaccurate : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, THE BUREAUS
Product: Credit reporting, credit repair services, or other personal consumer reports

While I have been going back and forth with all the banks, credit people and all, it started about 2017 less then a year after my XXXX brother died. Once he died some how his ssn ended up on credit report along with all his debts followed by every account of mine is closed, no bank will accept me nor credit card. I have no debit but some how have incurred about 100 inquires that I can account for some but maybe 12 and it continues to get  worse. I am unable to verify my identity online, lost a job because I couldn't accept direct deposit. I'm on the brinks, then to top it off I'm ready to loose it. Please help me. I have contacted everyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND NOW I'M LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, regarding inaccurate and unknown things on my credit report. To date, well over 30 days later I have not received a response yet. I feel that I am being taken advantage of and being ignored of my disputes, I do not like that. Section 611 ( a ), plainly states that a failure to investigate these item within 30 days gives a reason to immediately remove those item from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information has also been impacted by the Equifax data breach and may have been in possession of the wrong people.
Product: Credit reporting or other personal consumer reports

My credit report reflect inaccurate information about my name, addresses, previous addresses I've never resided, and work 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 XXXX, XXXX XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX  XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX  ACCT # 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 section2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the process of buying a home when I pulled my credit report I was unhappily surprised to see the errors that were listed on my credit report! I submitted a dispute to the credit bureau and in 30 days I got a response back from the credit bureau with an update to the accounts that are listed here these accounts are breaking several rights I have as a consumer and I asked for them to be removed immediately most of these accounts I have never seen before I stated my case when I mailed these letters and I know my rights as a consumer are being violated How are these account reporting such conflicting information and for the credit bureau to update that account with what they say is accurate information where is the proof of that the debt validation how can you just update accounts where are you getting this so-called updated information from?
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to inaccurately report the account listed as XXXX XXXX as the credit bureaus know the contract acts as the security for funding of the account so I can not be late or it can not be a collection account. There are also several inconsistencies with the account. 

Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Account Rating : Closed Paid Paid Payment Status : Late XXXX Days Late XXXX Days Late XXXX Days Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

This company is a third party debt buyer that purchased " Uncollectable Debt ''. The originator, SYNCHRONY BANK AMAZON, violated the TCPA and fair debt collection practices, and was sent a demand for validation of debt. The originator, SYNCHRONY BANK AMAZON, failed to validate the debt in a timely manner and pursuant to Federal laws and regulations, the became No Longer allowed to collect, report, or bring litigation as a result of their own failure 's. The third party collector or debt purchaser has obtained " uncollectable debt '' as a result of the originators failures, and does NOT become collectable just because it is is new hands. 

I Demand that any and all derogatory information be removed from my trade lines immediately as the collector has NO legal grounds to report or collect any debt from myself. I intend to bring litigation against both collector and originator if the matter is not resolved in accordance of Federal Laws and regulations regarding a creditors failure to validate a debt.
Product: Debt collection

I have an account that was opened with XXXX on XXXX. I called a representative of diversified consultant on XXXX XXXX to settle this account. The representative that was a man guaranteed me if i settled the account out that he would delete the account from my credit. I payed the account and was sent a letter. After discovering this account was still on my credit report not once but twice from two different companies. I called back to the company and they told me to call the other company because they held the account and they stated they would delete the account once again. When i called the other company they stated they held the account. I have called over and over and this account is not handle and is on my account twice affecting my credit in a bad way. I was promised a deletion but nothing was ever done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. US DEPARTMENT OF EDU XXXX ....
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

To whom it may concern, AFNI has decided that I owe XXXX XXXX XXXX {$270.00}. XXXX XXXX XXXX has said they have no knowledge if this account and this is fraud. I received no communication from them and the bill juts appeared on my report. I have had the same XXXX  phone number for 22 years and my account is current.
Product: Debt collection

They continue to report action on debts that they have bought third party when there hasnt been any type of action no communication in anyway shape or form. They sued me in civil court for one debt never got notified of the court date. Actually it said it was dismissed by petitioner a then refiled a never got notified this is on the mn state court website. They garnished my wages for a debt that I was sued for. Now they continue to hurt my credit report by updating the last date of activity. They send me emails none stop its harassment
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX  XXXX Balance : {$430.00} XXXX  Inquired on XX/XX/2021 XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$17000.00} XXXX  XXXX Balance : {$430.00} ''
Product: Debt collection

I spoke with a supervisor of Transworld Systems XXXX/2024 to review my balance from the original creditor, XXXX XXXX. My initial balance of this debt has changed with debt collectors, as well as with Transworld wihich was initially {$670.00}. 

In early XXXX my balanced decrease to {$470.00} without understanding why. I do not recall owing the original debtor any money. 

I requested an itemized breakdown of what I owed so I could either take accountability for the debt, or have it removed. 

I'm attached the email with my XXXX transcript where I confirmed no debts owed. 

Collection Agency TRANSWORLD SYSTEMS INC Original Creditor Name XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ACCT # XXXX Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account is a billing error. This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request your company provide me with documentary evidence validating this alleged debt. If no such evidence of indebtedness exists, and the only indebtedness is by agreement, you can not lawfully furnish these inaccurate late payments to the credit reporting agencies. The United States is bankrupt. If this alleged debt is valid, what authority do you have to collect this debt in the United States? If this alleged debt can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us void and unenforceable. The continued reporting of these inaccurate late payments would constitute a breach of fiduciary duty by collecting this extension of credit by unlawful extortionate means. And under the CARES ACT which is still LAWFUL and has forbearance and credit reporting requirements that may apply to my situation. Since there is no law under the Fair Credit Reporting Act requiring XXXX XXXX  to report negative information to a consumer reporting agency, your company is knowingly reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate violates the Fair Credit Reporting Act. XXXX XXXX XXXX policy does not supersede FEDERAL LAW. I am demanding that all late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm.
Product: Payday loan, title loan, or personal loan

I took a {$700.00} loan and repaid {$620.00} of the principal. The loan company is making it difficult to pay off my loan. I have tried to pay it off online and it refers me to their customer service number. Two times I have set up a payment with the lender and twice I have been told it did not go through. I recently called and asked to pay off my loan. The representative informed me that the pay off was around {$160.00} and I decided to do that. The payment once again did not go through and the company is telling me now that the payoff amount is above {$400.00}. This is because of the huge daily interest they charge. 

I feel they are not taking my payments on purpose to continue accruing interest. Especially since they are using the original borrowed amount for interest instead of my new principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following credit inquiries on my credit report. These inquiries were not made nor authorized by me. 

The following inquiries/dates listed are fraudulent, unauthorized, and not made by me. I am requesting that each business that retrieved my information to remove this inquiry off my credit report. 

1 ) Santander Consumer USA XX/XX/XXXX 2 ) Santander Consumer USA XX/XX/XXXX 3 ) XXXX XX/XX/XXXX 4 ) XXXX  XX/XX/XXXX 5 ) XXXX XX/XX/XXXX 6 ) XXXX XXXX XXXX XXXX 7 XXXX XXXX XXXXXXXX XX/XX/XXXX 8 ) XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX 9 ) XXXX / XXXX XXXX XX/XX/XXXX 10 ) XXXX XXXX XXXX XX/XX/XXXX 11 ) XXXX XXXX XX/XX/XXXX 12 ) XXXX XXXX XXXX XX/XX/XXXX 13 ) XXXX XXXXXX/XX/XXXX 14 ) XXXX XXXX XXXX XXXXXX/XX/XXXX 15 ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 16 ) XXXX XXXX XXXX XXXXXX/XX/XXXX 17 ) XXXX XXXX XXXX XXXXXX/XX/XXXX 18 ) XXXX XX/XX/XXXX 19 ) XXXX XX/XX/XXXX 20 ) XXXX XXXX XXXX XX/XX/XXXX 21 ) XXXX XXXX XXXXXXXX XX/XX/XXXX 22 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 23 ) XXXX XXXX XXXX XX/XX/XXXX 24 ) XXXX XXXX XXXX XXXXXX/XX/XXXX 25 ) XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX 26 ) XXXX XXXX XX/XX/XXXX 27 ) XXXX XXXX XXXX XX/XX/XXXX 28 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 29 ) XXXX XXXX XXXXXX/XX/XXXX 30 ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 31 XXXX XXXX XXXX XX/XX/XXXX 32 ) XXXX XXXX XXXX XXXX  XX/XX/XXXX 33 XXXX XXXX XXXX XXXXXX/XX/XXXX 34 ) XXXX XXXX XXXXXX/XX/XXXX 35 ) XXXX XXXX XXXX 36 ) XXXX XXXX XXXX XX/XX/XXXX 37 XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

MOHELA made surprise deductions of {$49.00} and {$33.00} from my bank account ( listed as MOHELA XXXX MO ) on XX/XX/year>. I called XX/XX/year>, waited 30 minutes, spoke to a " beginner '' who couldn't provide any payment details and transferred me to another line which led to me requesting a callback through their IVR. I did not get the callback ( that was to be within 20 minutes per the IVR ). I also called my bank for details, who informed me that the payment was done so via autopay through Mohela- does this mean Mohela intends to do another deduction in XXXX? - I need to know. 
See attached images of my online account w/ Mohela showing that there is no autopay, the payment amount is {$0.00}, a forbearance is applied, and there is no payment history. There are no communications regarding the payment, either. 
I want MOHELA to explain the surprise deduction.