23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I found out my vehicle was up for repo while trying to make a payment and called to take care of it. I made arrangements with a supervisor in the collections department and we came to an agreement on how to take care of the balance. He explained that the payment must be made via XXXX XXXX or XXXX, but I was at work so could not go to a location, which I explained to him. He then told me that there was a way to send it via money gram through the internet, so I told him that I could get access to a computer at work and I would send it by XXXX in my time zone at the latest. He told me that was ok and said to just call his direct line the next morning with the details of the payment. They repossessed the vehicle anyway at approximately XXXX, even after the arrangements were set. Instead of admitting fault, they wanted more money. As if as soon as they found out I was able to pay they figured they would take it and try to get more money out of me. Once I learned the car was taken I called the same supervisor since he provided me his direct number and said that the arrangements we made were no good. When I asked him why they would come take it even after we made arrangements and after he knew that i was sending the payment that night. He told me EVERYONE says they 're going to send their payment, as if I never planned to send the payment. The thing is, the whole reason I found out that it was put in to repo status was because I was trying to pay a payment, which I made very clear to multiple people that I spoke with.
Product: Credit reporting

On XXXX/XXXX/2014 I received a hard inquiry on my Equifax credit file from " XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX ''. I have never done business with or applied for business with that company. I disputed the inquiry with Equifax and they told me that they could not do anything, I would have to dispute it with the creditor. I called the number they provided me with ( XXXX XXXX XXXX ), no answer ; however, I got the voice mail for a man by the name of XXXX XXXX. The number Equifax provided me with is not for XXXX but some random man by the name of XXXX XXXX. This is my formal complaint to get this issue taken care of.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I encountered a billing error and never received the correct billing statement, which caused confusion about the payment due date. Additionally, the late payments notices arrived after I had already made the payment.

There was also a clerical error where my payment was applied to the wrong account, causing a delay in processing.

I provided bank statements, payment confirmations, and proof of the communication with the creditor where these errors were acknowledged. Despite providing this evidence, the late payment was incorrectly recorded on my credit report.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


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

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA XXXX accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$4500.00} XXXX Card Date Opened XX/XX/XXXX Balance {$9700.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$6200.00} XXXX XXXX Balance {$1400.00} Date Opened XX/XX/XXXX 2021
Product: Student loan

I have a private student loan through WellsFargo Bank. Unfortunately, I also have a co-signer on this loan. As of late, I have been unable to pay the high fees along with high interest rates on the loan. So, instead of working with me on how to solve the issue and agreeing on a lower accepted payment every month, they have been harassing my co-signer by telephone asking for money.
Product: Vehicle loan or lease

I took out a loan with XXXX  back in XXXX when I was XXXX in Alaska to purchase my used XXXX XXXX XXXX. I've had issues with them a few years back while I was in XXXX and haven't been able to reach them since. I've been making all these payments and have no idea where my title is. 

I also had an account with XXXX financial.
Product: Credit reporting

On XXXX XXXX XXXX I discovered there was more fraud account appearing on my file from Identity thief.I contacted all three credit bureau and discussed the matter sent a police report and aff admit to all XXXX bureaus and creditors.The bureau failed to remove the fraud accounts in a timely fashion.I had letters from the creditors who have 90 days to investigate fraud.. the accounts such as XXXX XXXX and XXXX was removed XX/XX/XXXX.After disputing XX/XX/XXXX.After going threw my report again.I notice XXXX accounts was showing on Equifax file.So I contacted the fraud department who I normal discuss my file with.The employee namely XXXX was nice and decided I need to speak to an higher office. ( office of Consumer affair ) employee namely XXXX after trying to get Him understand my creditors do report the accounts.i via XXXX Him a letter next day mail.my reports from XXXX and XXXX. And the accounts reporting and I need them to report on here cause my creditors are reporting my account.I verfied.XX/XX/XXXX All the fraud accounts was reinserted back on my file.Over XXXX accounts day by day.So I ended up calling the fraud dept.Spoke with XXXX again. He said wow What happen.He said I can see where these account were previous disputed and removed due to fraud.He transferred me again to XXXX. He never gave any indication why this happen and how to resolve this.He put each account back in a separate dispute.I called in to complaint and asked for His supervisor namely XXXX.She said fax over the documents.I fax them over.Yet it account remains in a long drawn out Dispute.i have XXXX until I 'm off work with a XXXX.after continuing to contact higher supervisor.XXXX told me he was high as it go.after continuing to contact Him .He stated XXXX was his highest supervisor.
Product: Bank account or service

I had a bank account with Bb & t Bank. In XXXX Ky. They overdrafted my account by charging me a monthly service fee. I had the account for multiple months and was never charged it before. So of course I refused to pay it so now they have me blocked in the XXXX and showing up on my credit report.
Product: Debt collection

On or about XXXX 2019 I noticed a strange debt on my credit report. I contacted the creditor listed ( XXXX XXXX XXXX ) and the reporting agency ( Plaza Servic ) Both refused to listen ; [ E ] ven after I explained that I received a denial of credit letter indicating someone already attempted to  open an account in my name. SEE ATTACHED The letter also listed reasons for the denial.I filed a dispute that the account was open fraudulently, and the fact the account was even charged off to no avail.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






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

There are 3 accounts on my credit report that are not authorized and do not belong to me. 

Midland credit Account Number : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX XX/XX/XXXX {$470.00} XXXX XXXX Account Number : XXXX XX/XX/XXXX {$300.00}
Product: Money transfer, virtual currency, or money service

XX/XX/2021 on my chime account I tried to send a money transfer of {$380.00} to wrong person but the person has the my phone number linked to there account so it sent the money to them and chime Doesnt have option to cancel or stop a money transfer at the moment
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAmerican Express XXXX XXXX XXXXAmerican Express XXXX XXXX XXXXAmerican Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX . I was in XXXX FROM XXXX XXXX XXXX UNTIL XXXX XXXX XXXXXX/XX/XXXX SO I DID NOT OPEN NO ACCOUNT FROM ANY CREDIT Companies FROM THESE CREDITOR.
Product: Checking or savings account

My Santander Bank account was charged a total of {$2700.00} for 2 fraudulent transactions at 2 different XXXX stores on XX/XX/year>2025. I reported it at my Santander branch in XXXX, MA and XXXX XXXX filed a fraud claim for me. 15 days later, I received a letter stating that they would not reimburse me. Visits to the branch and several customer service calls informed me that they would not look into the claim again. They said the transactions were made using a digital wallet, which I have never had. 
I have filed a police report and completed ID Theft affidavits. 
This has caused me great financial distress. I live on my late husband 's pension and a minimum wage job. We lost our home to foreclosure, and I can barely afford rent. 

fraudulent transactions : XXXX, XXXX, MA {$1700.00} on XX/XX/scrub>/2025 XXXXXXXX, XXXX, MA {$1000.00} also on XXXX/XXXX/2025
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I noticed on my Equifax credit report that there was a hard inquiry from XXXX XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX. I never tried to open a credit card account with XXXX XXXXXXXX XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I called The XXXX XXXX, with the help of an identity protection specialist, and spoke with XXXX in Security/Fraud. She said that there was nothing opened in my name or SS # and to dispute the hard inquiry online with Equifax. 

On XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ), I submitted disputes to Equifax regarding the hard inquiry on my credit report from XXXX ( The XXXX XXXX XXXX XXXX XX/XX/XXXX. I submitted that " I believe I am a victim of identity theft and that the inquiry is not mine ''. Both dispute results are " Inquiries are of factual record of file access and will remain on the Equifax Credit File two years from the reported date of the inquiry ''. This is a false statement and I want this hard inquiry removed from my credit report. 

On XX/XX/XXXX ( XXXX ), I submitted a dispute to Equifax regarding the hard inquiry on my credit report from XXXX ( XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX. I submitted that " I didn't give this company authorization to access my credit report for this reason ''. The dispute result was " Inquiries are of factual record of file access and will remain on the Equifax XXXX XXXX XXXX years from the reported date of the inquiry ''. This is a false statement and I want this hard inquiry removed from my credit report. 

On XX/XX/XXXX ( XXXX ), I submitted a dispute to Equifax regarding the hard inquiry on my credit report from XXXX ( XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX. I submitted that " This is not my inquiry ''. The dispute result was " Inquiries are of factual record of file access and will remain on the Equifax XXXX XXXX XXXX years from the reported date of the inquiry ''. This is a false statement and I want this hard inquiry removed from my credit report. 

On XX/XX/XXXX ( XXXX ), I submitted a dispute to Equifax regarding an incorrect address ( city ) on my credit report. I was not given access to the dispute results however my address ( city ) remains incorrect on my Equifax credit report. This is an incorrect address.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has all started years ago when I disputed a non authorized hard inquiry with XXXX, I already Had a XXXX card so I disputed that hard inquiry resulting of them deleting 12 years of account payments and history never putting it back on # 2 Since XX/XX/XXXX all 3 credit bureaus had reported a on authorized inquiry from XXXX XXXX another account that I have under my name and have had for over 3 years so my hard inquiry had already dropped off I immediately disputed this new one and there goes another history of payments for 3 years And deletion of an account my score was XXXX and after they deleted these 2 Accounts it dropped down to the low 6 hundreds I have absolutely no credit history after I worked extremely hard to gain it back after my identity with stone number 3 XXXX XXXX card As of todayXX/XX/XXXX I called them to fix the credit history reporting because they were only reporting 10 months and I've had it for 2 years there goes another account deletion I have had to submit several disputes to all 3 credit beaurous for misleading my credit files. Whenever doing so they make them worse. XXXX has now deleted 3 major credit cards due to me disputing 2 non authorized Inquiries, And a payment history repair because they were only reporting 10 months of payments when I have had the card 2 years in which resulted in them just deleting the entire account once again.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I used XXXX to start applying for places to live, along with my partner. As part of this process, I paid XXXX {$35.00} for background and credit checks. 
On XX/XX/year>, we were notified by a potential landlord of a problem with our application. The landlord mistakenly thought that I'd applied for XXXX XXXX XXXX XXXX XXXX XXXX  which I've never done. Upon further inquiry, it was revealed that the landlord was relying upon the credit check data provided by XXXX. 
On XX/XX/year>, I conversed with a XXXX customer service representative to do two things : 1 ) demand a reinvestigation into how the incorrect data got onto my consumer report and 2 ) get the incorrect data removed from that report. I was informed that XXXX uses two other companies, Experian for credit-related information, and XXXX  for public records-related information. XXXX refused to conduct a reinvestigation, claiming it was only the platform and therefore not responsible for the inaccuracies. However, a month prior, I'd pulled credit reports from all three nationwide CRAs, including Experian. My Experian report has not and never has had anything related to bankruptcy. 
On XX/XX/year>, I sent a dispute letter to XXXX, demanding a reinvestigation and deletion of the improperly noted accounts ( i.e., the accounts with a notation indicating bankruptcy ). I have not heard back yet from XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information The name and address of the original creditor and the current creditor. 
1. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owe
d.

2. Full complete and correct social security number to help identify me as the correct person you are trying to collect from 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original credit or securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the s
ecured trust and then back to the origin
al creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclay 's is not reporting accurate information about my settled account ( acct : XXXX ). The account balance is incorrectly being reported as {$1200.00}. The balance should report {$0.00}.
Product: Mortgage

Please see the two attached inspections, one from XX/XX/XXXX and the second one from XX/XX/XXXX. 

Regarding the inspection fromXX/XX/XXXX : 1 ) My contractor watched me sign the original report, which stated 90 % ... ... I never signed a report that stated I was at 60 % nor would because I would not have been in agreement with XXXX report was changed to 60 % AFTER I signed the report at 90 % .... ( ILLEGAL )!!! 

2 ) Please see the report fromXX/XX/XXXX, which stated we were at 75 %, it also stated that windows need to be installed, siding needed to be applied to the house, insulation and sheet rock needed to be done. 

3 ) Since theXX/XX/XXXX report at 75 % - The following items have been completed : Hurricane Windows Installed, Siding Installed and Painted, Insulation Installed, Sheet Rock ( tape and skim coat ) Installed All of the items listed completed and have also passed inspection with the City of XXXX XXXX XXXX. 

4 ) Also please note that in the report fromXX/XX/XXXX states office, porch and deck. There has never been an office or a back porch on that house since the day I purchased the house. The deck was a 4 wide 10 deck that was actually a step up to the back door of the houseinsurance did not pay for this deck because it was an outside feature that was not a part of the claim.. The deck was termite infested so I had it removed and there will not be a Deck added back, just steps up to the back door. Whomever gave the inspection company the information regarding office, porch and deck gave wrong information, which wrongly affected the percentages of the XXXX report..unfortunately the report was written based on that incorrect information. 

5 ) The XX/XX/XXXX report was correct at the time regarding the 75 % and we have now completed many of the items that were listed on the XX/XX/XXXXreport, so we are certainly between 87 % and 90 %, that would be more accurate.

Please review all that I have written carefully..the XX/XX/XXXXreport was erroneous and also fraudulent regarding my signature, which that alone give way for a lawsuit from me the homeowner. I am 100 % disputing theXX/XX/XXXX report based on wrong information going in and the fraud that was committed with my signature by the inspection company. Please note that I am documenting all including but not limited to this email regarding evidence for a lawsuit for I have been displaced for three ( 3 ) years as of today..the fire was XX/XX/XXXX. 

Thank you.
Product: Debt collection

I just received a bill from Synchrony Bank, regarding my tires I bought with credit from discount tire. They are charging me 29.99  interest rate, but they don't tell there customers that the interest rate is from the original amount. I was on a promotional deal for 9 months, and then the interest rate started as of XX/XX/2019 for my next payment. How is a person suppose to catch up on the bill, when they lie to there customers? They are charging me over {$290.00}, and my previous bill was {$750.00}.