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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need help regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

XXXX XXXX XXXX XXXX ( XXXX : XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX  : XXXX ) XXXX XXXX BANK ( XXXX ) XXXX XXXX ( XXXX  : XXXX ) XXXX XXXX XXXX ( XXXX  ) XXXX XXXX ( XXXX  : XXXX TransUnion : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX ) XXXX XXXX ( XXXX : XXXX TransUnion : XXXX ) XXXX XXXX  XXXX ( XXXX : XXXX TransUnion:XXXX  ) XXXX XXXX XXXX ( XXXX : XXXX TransUnion XXXX XXXX ) XXXX XXXX  XXXX ( XXXX : XXXX TransUnion : XXXX ) XXXX XXXX XXXX ( XXXX TransUnion : XXXX ) XXXX XXXX XXXX ( XXXX  : XXXX ) XXXX XXXX ( XXXX  : XXXX : XXXX ) XXXX XXXX ( XXXX  : XXXX ) XXXX ( TransUnion : < ) XXXX XXXX ( TransUnion : XXXX )
Product: Credit reporting or other personal consumer reports

To experian, reporting for XXXX XXXX XXXX : Inaccurate reporting from XXXX XXXX XXXX from Experian! 

I am writing this letter to formally dispute the alleged debt associated with the account mentioned above, in accordance with the provisions of 15 USC 1692g. As a consumer, I request that you provide me with verification of this purported debt. I am seeking concrete evidence that clearly establishes this alleged debt as mine. Please ensure that the verification you provide includes a formal declaration, sworn to be true and accurate, with firsthand knowledge of the matter, and duly notarized, as required for proper verification. I request that you conduct a thorough investigation of this account and provide me with the following information to validate the debt : A copy of the original signed contract or agreement between myself and the original creditor. Statute of limitations and last payment missed on the debt. An itemized statement of the account, including the principal amount, any interest, fees or charges applied. Proof that the collection agency is legally authorized to collect this debt on behalf of the original creditor. Proof that I have a contract with XXXX XXXX XXXX bearing my signature. Provide insurance claims of the debt. As outlined by the Fair Debt Collection Practices Act, I expect you to cease all collection activities related to this dispute debt until its validity is confirmed. This includes any reporting to Experian, XXXX, and XXXX. I want to emphasize that I have not granted you consent to communicate with me through any means. Furthermore, I did not authorize the release of my personal and private information to your agency, which, in effect, constitutes aggravated identity theft. I also want to reiterate that I did not authorize the reporting of any information in my name to consumer reporting agencies. Your non compliance with the Privacy of Consumer Financial Information Rule of the XXXX XXXX XXXX XXXX has been noted, as you shared my nonpublic personal information with non affiliated third parties without providing me with a compliant notice under section 6803 and an opportunity to opt out, as required by 15 USC 6802. In line with my rights as a consumer, I hereby request that you provide me with the Aggravated Value of Purchase document, which explicitly details the price you paid for this particular debt.
Product: Credit card or prepaid card

I have been dealing with Discover Card regarding a disputed transaction with a vendor over a charge incurred for an event which was cancelled. I used my Discover Card onXX/XX/XXXX to purchase 3 tickets from XXXX XXXX XXXX to a live sports event which was to take place on XX/XX/XXXX. That event which was for the XXXX XXXX XXXX  was officially cancelled due to Covid-19 and I received an email from XXXX XXXX XXXX on XX/XX/XXXX giving instructions on receiving a refund. The email stated that a refund would be issued to the original payment source in a timeframe of 2-4 weeks. I emailed the vendor after 4 weeks on XX/XX/XXXX and received a reply from the vendor that a refund would be processed within 2-4 weeks. At that point I decided to contact Discover Card to formally dispute the transaction. I was issued a temporary credit on XX/XX/XXXX by Discover Card pending their investigation. I provided several supporting documents which were emails from XXXX XXXX to me detailing their cancellation policy and refund policy. Discover ultimately sent a final resolution email to me on XX/XX/XXXX which stated that they had decided on behalf of the Vendor. I spoke with Discover on XX/XX/XXXX in their billing department regarding the dispute. The representative went through the materials provided by XXXX XXXX XXXX and stated that the vendor claimed that the event was postponed and not cancelled. This was an outright lie and the cancellation was clearly stated in XXXX 's email to me which is what I provided to Discover in the documentation that I provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX 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

My complaint simple and plain. My credt is being affected by unlawful reporting as i pulled my report. i sent the credit reporting agencies a affidavit 2 times to resolve this matter ammicably. since they didn't comply, i need your help CFPB. 15 usc 6802b stance about late payments. non public information can not be published to nonaffiliate third parties withouth my consent. unlesss i was given opportunity before the time that such information is innitialy disclosed to a third party. i was never given that opportunity and the CRA 's a third parties and in violation of that law. congress says ( exclusions ) the term consumer report does not include solely my transaction or experiences between ( me ) the consumer and the person making the report.therfore, late payments can not be included in my credit report. 15 usb 1666b states the timing of payments. the financial agency must send written notices/statement 21 days before the payment due date with information from section 15 usc 1637b . it must be mailed or delivered within 21 days of the payment due date from the consumer. they have never done that. they are all in violation of those laws. how could Experian XXXX XXXX treat a payment as late without proof that these items were delivered to me the consumer. 15usc 1692k and 1640 civil liabilities {$1000.00} per violation not to exceed {$500000.00}. ive been damaged by them. all 3 of my XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX a copy of the banks account statement of when the payment hit their account, or remove all late payments from my report. please be reminded as the consumer i'm protected by the privacy act.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating 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. 
I want the CFPB to publish this these are the accounts i listed as inaccurate XXXX, XXXX, XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion. 
To speak with a person. I called the number given to question an account on my credit report and was hung up on. Then a text came asking for all my personal information AGAIN AND REPEATEDLY. I requested the state the person texting from so I could check with the authorities on its validity. None was given. Only another request for all my personal information including social security number.
Product: Debt collection

I went on line to XXXX XX/XX/2017 to check my credit score, and I noticed it had dropped down, I checked to see why, and I saw a Stellar Recovery ... XXXX, so I called this morning and found out it was a debt for {$270.00} with XXXX, I asked Stellar Recovery if they had a address ... .XXXX..account # XXXX ... .I never in my life lived at that address or had that account #, and I have not been with XXXX no time soon. This does not look good for my credit, I pay my bills on time, never late and I do n't have money to just give away. 
Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I am still in preparations in purchasing a home, I have been monitoring my credit report thru privacyguard and noticed there are still inquires that do not belong to me nor did I give authorization to run my credit. Some have been removed from other bureaus so I am not sure why they are still on here. Please remove these items : XXXX XXXX  | XX/XX/2019, XXXX  | XX/XX/2019, XXXX XXXX  | XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XX/XX/2019, XXXX XXXX | XX/XX/2019, XXXX XXXX  XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX  | XX/XX/2019, XXXX  XXXX XXXX XXXX  | XX/XX/2019, XXXX  XXXX XXXX XXXX  | XX/XX/2019 XXXX XXXX XXXX   XXXX XX/XX/2019, XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX  XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019. I am doing this on my on behalf to I can continue my home buying process.
Product: Debt collection

Cascade Capital has repeatedly attempted to collect medical debts that do not belong to me through various collection agencies, the current one being XXXX XXXX. I have requested debt validation through the collection agencies and have only received one page -- a printout from a computer ledger that does not fulfill the validation requirements. Based on the information provided by a collection agency, I have determined that the accounts in question were opened in my name as a result of identity theft. My identity was stolen in numerous breaches of the credit reporting agencies as well as XXXX. I notified Cascade Capital of this information via certified mail, return receipt requested. They received the notice but have failed to act. Their agent, XXXX XXXX, continues to report inaccurate information to all three credit reporting agencies. Furthermore, XXXX XXXX has failed to validate the debt as required by law. Cascade Capital continues to allow this inaccurate information to be reported.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inaccurate addresses, and names. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ADDRESSES : No Address 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. NAMES : XXXX XXXX XXXX, are all inaccurate. 
Also, according to 15 USC 1681s-2, 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: Debt collection

Dear CFPB, I am filing this formal complaint against Upstart Loan Operations regarding their improper handling of an alleged debt of {$920.00}. Despite their claim that the debt has been transferred to a third-party collection agency, Upstart continues to engage in direct collection attempts while simultaneously reporting the unverified debt to credit bureaus, causing harm to my financial reputation. 

Their actions not only contravene federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), but also defy basic logic and fairness in handling debt transfers. 

Key Issues and Violations Failure to Verify the Alleged Debt Upstart has failed to produce sufficient evidence to verify the alleged debt. Under 15 U.S.C. 1692g ( b ), debt collectors are required to suspend all collection efforts until they provide proper validation of the debt. Upstart has continued their collection attempts despite my dispute, demonstrating clear disregard for federal law. 

Improper Collection Practices Post-Transfer Upstart has stated that the alleged debt was transferred to a third-party collection agency. Despite this, they continue to engage in direct collection attempts, including persistent phone calls and emails. 
This raises questions under 15 U.S.C. 1692j, which prohibits deceptive practices such as misrepresenting the ownership or responsibility of a debt. 
Inaccurate Credit Reporting The alleged debt has been reported to the credit bureaus without proper verification, violating 15 U.S.C. 1681s-2 of the FCRA, which mandates the accuracy of information provided to credit reporting agencies. 
This unlawful reporting has negatively impacted my credit score, further exacerbating the harm caused by Upstarts actions. 
Harassment and Repeated Communications Upstarts repeated phone calls and emails, despite their failure to validate the debt, constitute harassment under 15 U.S.C. 1692d. This behavior has caused unnecessary stress and disruption to my daily life. 

Logical and Legal Inconsistencies To illustrate the illogical nature of Upstarts actions, consider the following analogy : If I lend {$50.00} to my cousin, and my cousin gives that {$50.00} to his friend, does that mean his friend now owes me money? Absolutely not. By transferring the alleged debt to a third-party collection agency, Upstart effectively relinquished any direct claim over the debt. Their continued collection efforts are not only illogical but also unlawful. 

This analogy underscores the fundamental flaw in Upstarts approach : they can not continue to pursue collection on a debt they claim to have transferred to another entity. Their behavior reflects either a gross misunderstanding of debt transfer protocols or an intentional attempt to mislead and harass consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are improper inaccuracies on my credit report. I have reached out to Transunion, XXXX and XXXX to have this removed since I did not give consent for this inquiry. 

hard inquiry : XXXX XXXXXXXX XXXX  on XX/XX/22
Product: Debt collection

I 've been disputing this debt for a while now, these two debts do not belong to me. After failing to prove validity, these two accounts still remain on my report. These collection accounts were opened in XXXX but the original creditor states the accounts were established in XXXX. Now at the i was only about XXXX years old. So i find it highly ridiculous to keep these two accounts on my report. I was a victim of identity theft before i was of legal age. My information was forged, hence why i have verified my info with XXXX On my report from them there was inaccurate info such as my date of birth and legal name. My report contained several pieces of false identifying information. XXXX has removed those items, including these two accounts. So i dont know why portfolio recovery is still listed on my XXXX and XXXX. The creditor claims these accounts are not fraudulent, which is why the bureau 's are making it hard to remove this frivolous mess. I want proof of validity sent to me immediately. The debt collector and the original creditors response will be shared with my attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that there was an inquiry on my credit report. 
I did not authorize nor apply anywhere.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - XXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX & XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

11. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX
Product: Debt collection

I have written this collection company three time about the debt they claim I owe them. I asked them to send me proof of validation that shows that the debt is mine. Instead, they send me paper statements with someone else name on it as proof that the debt belong to me. their company name wasn't even on none of the statement they sent. I have reached out to them three time already to resolve this problem, they have refused to comply to the FCRA rules. before I take this case any further, I decide to summit a complaint firs before I contact them for a forth time. if they still refused to delete this account from my report that leave me no choice but to press charge against their company for the damage they have cause to my credit report.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have a credit due on my credit card balance due to an error in over payment of last month 's statement. This account has been closed since last year so I can not use the card to redeem the credit. I have contacted the issuer 3 weeks ago to no response.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 
DEPTEDXXXX XXXXXXXX XXXX XXXX : {$16000.00} Date Opened : XX/XX/year>