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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$790.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$650.00}
Product: Credit reporting

XXXX/XXXX/XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
Those address are not mine Please removed all adress ADDRESS : XXXX XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX ADDRESS : XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX - REPORTED XXXX - XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX. XXXX XXXX # XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and update XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

Hi CFPB, I signed up for a Wells Fargo Everyday Checking account with a promotional code stating that I would receive {$320.00} if I performed a direct deposit into the account of {$1000.00} or more within 90 days. The account was opened in XX/XX/XXXX and the direct deposit was made in the same month. However, it is now XX/XX/XXXX and I have not yet received the promotional bonus. I've attempted to resolve this with Wells Fargo but they have not been cooperative. Could you please help to resolve this case and credit my account for the {$320.00}? 

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

This company has been saying that I owe money to them but I never did ANY BUSINESS with them. I even reach out and they told me over the phone that I didnt have an account with them. But all the sudden I have someone reporting items on my account that is not accurate. I have never did business with XXXX XXXX. Thats the name of the company that I was told by the person helping me fix my credit. I am a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is falsely stating that they have verified a bankruptcy # XXXX with the furnisher who is a third party company that they are reporting on the dispute response, XXXX. I have disputed this account with Equifax on XXXX, XXXX, XXXX, and XXXX of XXXX. They asked me to dispute the information with the furnisher and I then provided proof which I have provided to them several times and yet they still state they have verified the information despite having the documentation provided from XXXX that this account was deleted because they could not verify the accuracy of the account. They have also falsely stated that XXXX has verified the information on XX/XX/XXXX, when the attached documents show XXXX deleted this account from their system on XX/XX/XXXX. So did Equifax truly verify this with XXXX? I have also contacted the clerk of courts on XX/XX/XXXX and they also verified that they do not verify any personal records for any individuals or sources and that they do not have control over misuse and misrepresentation that is being reported in error by third parties. I am asking Equifax to please provide documentation of this account that they are clearly erroneous and falsely reporting. I asked that they investigate this account accurately and fairly and to provide supporting documentation. How can Equifax take advantage of a consumer by not providing the requested documents to verify the accuracy of this account. Equifax is clearly breaking the law. Per the Fair Credit Reporting Act the account must be thoroughly investigated and documentation must be provided. Per the FCRA it is Equifax duty to update and correct information and to provide valid documentation of the disputed account. It is against the law to report third party information without truly verifying the source for accuracy. It is detrimental to the consumer to have this inaccurate account reported and is very timely.
Product: Debt collection

I received a letter dated XX/XX/XXXX2025 from some company named XXXX allegedly representing " Jefferson Capital Systems LLC '' for charges that were purchased by them on behalf of XXXX XXXX. Again, as I've stated in previous documentation towards Jefferson, XXXX, and now to XXXX that I do not owe the alleged debt that they're proclaiming. Nor will I ever pay the said debt amount listed. I am making my complaint again through here because non of these debt collectors nor credit bureaus is following proper protocol. For example I will enclose documentation shown on my XXXX report that this acct ( that I never established ) has an incorrect closing date shown of XX/XX/XXXX ( which is laughable as I wasn't even born yet ) Then you will find via my XXXX report it's showing past due amount of {$2200.00} for a " closed '' account. This goes completely against my rights under FDCA to report true and accurate information on ALL of my reports. If I have to write each and every month, day, and or year- I will do so, but I can assure you I'll NEVER pay Jefferson Capital , and or XXXX XXXX I don't OWE it!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$80.00} ; XXXX XXXX Inquired on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong account appeared on my credit report that belong to someone law with the same name. Fraudulent account, account I didnt authorized which result in identity theft. 

Account : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX refinanced with XXXX XXXX XXXX XXXX. It should no longer be showing open on my Credit report. I've already disputed this, it was reported incorrectly. Now both loans are still showing open.
Product: Credit card or prepaid card

On XX/XX/2019 I purchased a XXXX XXXX XXXX XXXX XXXX 3 Seater Sofa XXXX from XXXX  XXXX  through their website XXXX under order # XXXX. 

Unfortunately, the sofa I received is defected and is not the correct dimension as advertised and verified by the XXXX XXXX Quality Control Department because the sofa was delivered today with the incorrect dimensions of XXXX vs XXXX, XXXX vs vs XXXX, and XXXX vs XXXX. 

To resolve the problem, I have contacted the merchant without an acceptable response to resolve the issue. Provided the merchant and Capital One all requested information to document the measurements of the sofa being disputed. Enclosed are copies all email communications with the merchant, written email communication from the merchant acknowledging the sofa delivered was defective with the incorrect measurements, receipt for proof purchase detailing the measurements advertised by the merchant, email communication advising the merchant on XX/XX/2019 the sofa is available for inspection and measurement by a XXXX XXXX representative or pickup for return at their discretion. 

Despite providing Capital One sufficient documentation to support the dispute claim under Claim # XXXX, your dispute claim representative has refused to continue my claim process and reapplied the disputed charge to my account for the amount of {$2500.00} on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was made aware that my account with upgrade was 251 days past due. I contacted updated via phone and email, this was the response : We apologize for the confusion. Our records show one of our team members in the back office had just made a note on the account because it showed up on a report. They Corrected the issue and now the account is showing 6 days past due. 

On XX/XX/XXXX, an alert from the credit bureau stated that my credit report shows me being 293 days past due for the same company. After calling them several times and talking to multiple people over the phone and via email, they have stated to me that this resulted from failure of paying late fees. I was not made aware of any late fees directly from this company at any point of time. 

On XX/XX/XXXX, I called and spoke to a supervisor regarding why the credit dispute was declined. They told me that the XXXX XXXX declined it and that I would have to speak to them regarding my credit report getting fixed or updated. The upgrade company has submitted for a correction via mailed form. My payment history was broken down from XX/XX/XXXX to current and it shows that I was never late.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, a dispute letter was submitted via mail and fax to XXXX, Experian and XXXX in reference to the Bankruptcy listed which is inaccurate on my credit reports. I have allowed substantial time to resolve my concern due to the pandemic. I have also contacted the Courts as well and they advised me they do not report to the Credit Bureaus. If the Courts do not report to the Credit Bureaus, how is this listed on my credit report? By FCRA law, all Credit Bureaus are required to validate/verify information BEFORE it is added to a consumer credit report. The Bankruptcy listed is in violation of FCRA not only because the courts do not report information to the Credit Bureaus but by law the Bankruptcy must report City, State and Court Name which it doesn't. This Bankruptcy is negatively impacting my ability to secure new credit and or purchase a home. I request full removal and an updated copy of my credit report mailed to me.
Product: Debt collection

I am writing to ask if you could verify the debt you claim I owed, as I am entitled to under the Fair Debt Collection Practices Act. 

Please provide me with the following information : 1. The amount of debt.

2. The name of the original creditor.

3. Verification of the debt, including any relevant account numbers.

4. A copy of any judgment, if applicable.

Please send me this information within 30 days. Until I receive this validation, I would like to ask you to stop all collection activities.

Thank you for your attention to this matter. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Re : Notice for Proof of Claim To Whom it may Concern : This is a legal and notarized document. XXXX v. XXXX, 220Md. 65, 160 A.2d 912. 916 ( 1959 ) .States Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. 

Also, I have received a statement claiming that I owe a debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the second and third collection company that have contacted me, since this is an error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin.

6. ) Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days.

I also request to see a certified copy of any contract or agreement between you Respectfully Submitted
Product: Debt collection

I was sent a letter from this company stating that I could call and make payment arrangements to keep a debt from going to the credit bureaus ... .i quickly took them up on there offer and my first payment of XXXX was due XXXX. I secured the payment with my debit card ... she then told me the account would be placed on hold and as long as I kept up my payments I would not be submitted. On XXXX I received a phone call from this same woman stating that the card I had gave them before had declined.. I let her know it was cut due to being stolen and if there was a way I could pay half the debt that friday XXXX then the other half XXXX When funds became available on my credit card I was told I would be fine and that it was no problem. Also the account would stay on hold ... I missed her call on XXXX due to working all night the night before but called back around XXXX to make the payment I had promised to keep the account current. I was met with a guy I really could n't understand and asked to speak to a supervisor. Once transferred the supervisor informed me the account was in default and had been submitted to the credit bureaus and there was nothing they could or would do..when I stated that XXXX I made arrangement with her company and was told I would be alright. She stated the account went in default once my card declined ... and it was over I hung up ... i called back later that night around XXXX a gentleman with a southern accent answered the phone. I explained the situation and asked if I could be transferred to the lady that processed my payment on friday. He told me that was impossible nothing is going to be done about this ... and anyone can help me. The submission is final and no I will not be able to talk to the lady I have been dealing with since day one.
Product: Credit card

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The LVNV FUNDING LLC is willfully in violation of FCRA and condoning illegal behaviour, They must correct or remove this charge off account immediately. LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting

Transunion I need to asked you. You claim that you verified XXXX and refused to verify it again per your statement I need to ask How did you verify this information and its not my account! if you look at the attached files the account that you are reporting is not even close to the account number that I was assigned with XXXX. Transunion you have lied to me caused me a lot time for your XXXX because of your Negligent 's I urge you to delete this account today. I do not want XXXX card to report anything about me Until they send me a complete contract and terms that this is indeed my account. because this is not my account I will Notify my local police tomorrow and report a fraud report and contact a lawyer to sue I REPEAT I NEED YOU TO DELETE THIS ACCOUNT TODAY. YOU CAN LET XXXX CARD KNOW THAT THEY WILL HAVE TO SEND ME A CONTRACT IN ORDER FOR THEM TO REPORT ANYTHING ABOUT ME AS DUE FACT THAT THIS IS NOT MY ACCOUNT ALSO XXXX UNVERIFIED ACCOUNT PHYSICAL PROOF WITH MY SIGNATURE ATTACHED ALSO ALL CREDIT INQUIRES THAT IS MORE THAN 30 DAYS OLD
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must update to correct as paid on time. 


Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences those accounts tag as billing error are inaccurate late payment history should be updated to paid on time as it is in multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And charge off accounts that is tag or labeled FDCPA Section 807 Violation Misleading False Reporting should be deleted and collection account Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately.

a copy of which is enclosed which states that this information must be removed within four business days of receipt, Including inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. should be deleted in the credit report I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.