23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. 

I TOLD EXPERIAN, XXXX, AND XXXX TO REINVESTIGATE THESE ACCOUNT!! 
XXXX XXXX XXXX XXXX HOWEVER THEY STATED EVERYTHING WAS COMPLETE AND ACCURATE. BUT HOW IS THAT POSSIBLE IF OPEN DATE AND LAST ACTIVITY AND MUCH MORE IS FALSE AND INCORRECT! 
15 USC 1681I ( 5 ) THEY ARE SUPPOSED TO MODIFY ACCOUNTS THAT ARENT REPORTING CORRECTLY 15 USC 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS RESONABLE CAUSE TO BELIEVE INFORMATION IS INACCURATE
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report this morning, I was alarmed to find unauthorized inquiries that I can not explain. I routinely monitor my credit report, and this time, there were unexpected issues. I even tried refreshing my browser to see if it was a technical glitch, but the inquiries remained. This has left me feeling uneasy, and I ask that the documents Ive submitted be reviewed carefully to resolve this matter quickly.
Product: Debt collection

XXXX XXXX XXXX is attempting to collect debts that are under {$500.00} from up to four years ago. That under the current Administration are to be forgiven, and not sought after by third party collectors. This company is attempting to collect on multiple debts infringing upon the current medical debt forgiveness under {$500.00}. I was also told via text message I was sent a letter in regards to these debts. I have never personally received a letter regarding these debts prior to my first received text message from said company.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMMONWEALTH FINANCI {$240.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... account was settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide 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 this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the charged-off entry associated with my account with XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX. According to XXXX XXXX XXXX, this account was closed and the balance was updated as of XX/XX/XXXX, XXXX, yet it continues to be reported as " Charged off as bad debt '' and or Discharged in Bankruptcy. 

As per the Fair Credit Reporting Act ( FCRA ), I would like to emphasize that creditors are prohibited from simultaneously reporting an account as both " Charged off as bad debt '' and " Closed ''. 

Upon review of my credit report, I noticed that TransUnion Consumer Solutions is reporting the following inaccurate and misleading information. 
According to the FCRA, specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy in the information they report. Reporting an account as both " closed '' and " charged off '' is inherently contradictory and creates misleading and adverse information that is detrimental to my creditworthiness. 

Since this account no longer holds any delinquent status and the balance has been fully resolved, I respectfully request that TransUnion Consumer Solutions contact XXXX XXXX XXXX  to take immediate corrective action by removing the Charged off as bad debt notation from my TransUnion Consumer Solutions credit report.

Under 15 U.S.C. 1681a ( f ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), furnishers of information are prohibited from providing information that is inaccurate or misleading. Furthermore, the FCRA mandates that if an account has been paid, settled, or otherwise satisfied, it should not be reported as charged off or as bad debt.

Additionally, 15 U.S.C. 1681s-2 ( a ) ( 2 ) requires creditors to update and correct information that has been previously reported once an accounts status changes. A paid or settled account can not legally remain reported as a charge-off or bad debt in the comments, as this creates an inaccurate and incomplete picture of the consumer 's financial situation. 

Furthermore, continued reporting by TransUnion Consumer Solutions of inaccurate information after it has been disputed and resolved may be considered a violation of 15 U.S.C. 1681s-2 ( b ), which mandates that furnishers investigate and correct inaccuracies when a dispute is filed. 

To prevent further harm to my credit standing and to ensure compliance with federal regulations, I kindly request confirmation that TransUnion Consumer Solutions has initiated corrective action and that the updated information will reflect the removal of the charge-off status. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that this issue has been resolved. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

Experian continues to put inaccurate information on my credit report. I have sent them adequate proof to remove these descrepancies ( debt collections & unauthorized inquiry ) off my credit report. I was denied credit with XXXX because of the debt collection. Experian have not removed the unauthorized inquiry off my credit report, even after I sent them a letter from XXXX XXXX ( the inquiry on my report ) informing them to delete it off my credit report. 
I have written Experian four times, ( the last letter was sent certified ). I have asked them repeatedly to send me the " Method of Verfication '' used in verifying that this debt belongs to me, and I have no received anything yet. Experian keep sending me letters saying the debt has been verified and is accurate. I know this is n't true because my attorney, XXXX XXXX ( XXXX ) could n't get XXXX , XXXX to send the verification that the debt belongs to me ; so XXXX , XXXX dismissed the court case against me. I do n't believe at any time that Experian did a reasonable investigation of my dispute. 
I sent the same documents to XXXX and they finally removed the debt collections off my credit report.
Product: Checking or savings account

I am filing a complaint regarding Capital One 's failure to deposit my direct deposit from my employer and other incoming transactions. Capital has claimed a technical issue which may violated the EFTA as it requires timely access to funds. This situations raises concerns about consumer protection laws, I request your assistance in investigating this matter to ensure my rights are upheld. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to talk with someone at XXXX! I have XXXX  several numbers and have gotten the same computer ... Your company is not reporting my mortgage payment to XXXX
Product: Checking or savings account

At this point I'm filing a separate report for Fifth Third Bank retaliating against me for closing my account please notice the attached letter I am sending the bank must think this is some type of Joker game after they made several errors on my account it is been well aware and in advised that I would be closing this account I had sent all pertaining documents as requested to Fifth Third Bank as they sent me a letter asking for more information I mail that off about two and a half or three weeks ago to the company in regards to an XXXX dispute the company had more than enough supporting evidence that I had tried to resolve the issues with XXXX and that XXXX was having issues on their platform which led to a trip I was on being altered by several miles due to the app freezing I have said all of that documentation to Fifth Third as requested as I've said and now they're telling me that without my permission or authority they have reopen my account and closed it back with a negative balance and I reporting it to a consumer agency so at this point along with this complaint I will be filing a complaint with all regulating agencies over this bank and filing a small claims lawsuit against the bank for defamation of character and for now opening and closing an account once again without my permission or authority and for sending me this oblivious threat I've never seen such a financial institution operate in a bully type of status
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Account Name : XXXX XXXX XXXX  Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. Repeatedly reporting C/O every month Every time your account updates the statute of limitations is extended, every update makes the account look newer than it is. Reaging the account is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have previously made two separate requests for validation ( see attached ) and your response or lack of response does not comply with the disclosure requirements set forth in the Fair Debt Collection Practices Act. More than enough time has passed to allow you to comply. However, you have chosen not to meet the legal requirements of the law. It is manifest that you have absolutely no claim against me, and that you have no records or evidence to support any claims against me. Once again, it is clear that you have not provided me with any evidence to establish that I owe you any money. 

Therefore, your failure to respond in a timely manner is counted as an admission that you are unable to support your claim of debt against me. 


Inquiries Dated ( XXXX XXXX ) and ( XX/XX/2021 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've spoken with Transunion by phone and also sent them a certified letter about removing my hard inquiries because some of my inquiries were removed and then reinserted later. Others I 've explained that the inquiries were not authorized by me but they still remained as well. I would like all of these to be removed.     C redit Inquiries   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , DE   XXXX     XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , DE  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , DE   XXXX     XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX    XXXX   XXXX   XXXX   XXXX    Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , PA  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , VA  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , DE  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , DE  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , UT   XXXX     XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , UT  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , UT  XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , VA   XXXX     XXXX   XXXX   XXXX   XXXX    Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , VA  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , VA  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX
Product: Debt collection

In XX/XX/2018 I disputed an inaccurate item on all three of my credit report, XXXX, XXXX, XXXX. The item I disputed was XXXX XXXX Account # XXXX. All three of the credit Bureaus reported back by saying it was verified. In XX/XX/2018,,, XX/XX/2018 to be exact I wrote a certified letter to XXXX XXXX to the address listed on my credit report as XXXX XXXX XXXX, XXXX, SC XXXX requesting validation made pursuant to the Fair Debt Collections Practices and the Fair Credit Reporting Act. I requested the original contract of the original account contract and for it to be sent to me,, I am allowed to see the original contract by law. I was requesting that competent evidence bearing my signature, showing that I have contracted obligation to pay the debt. Well today is XX/XX/2018 and XXXX have yet to provide me with copies of the original contract signed by me XXXX XXXX. they have violated my rights. they have failed to respond to me by sending my proof that I own this account. they received and signed for my certified letter on XX/XX/2018 and todays date is now XX/XX/2018 and XXXX XXXX has yet to send me my documentations by mail. THIS ITEM IS NOT REPORTING ACCURATE ON MY CREDIT REPORT AND XXXX IS NOT FOLLOWING THE LAW, VIOLATED MY RIGHTS BY NOT RESPONDING AND SENDING MY PROOF AND SIGNED CONTRACT,, I HAVE ENCLOSED COPIES OF THE CERTIFIED MAIL RECEIPT AND A COPY OF MY LETTER I SENT TO THEM, COPIES OF THE DELIVERY TRACKING CONFORMATION, XXXX XXXX is being non compliance they have violated federal, law and is liable for the non compliance
Product: Checking or savings account

My Citi Debit Card number XXXX XXXX XXXX XXXX My Citi account number XXXX My name is XXXX XXXX. 
Citibank started to charge me monthly fee {$25.00} each month without any prior notification to me. Previously the fee schedule was without monthly service fee. 
The loss is summarized below : I was charged XXXX dollars on XX/XX/XXXX. 
I was charged XXXX dollars on XX/XX/XXXX. 
TOTAL XXXX dollars. 
I closed my account on XX/XX/XXXX when I noticed these unauthorized fees in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I requested corrections be made to my reports. The errors were not fixed and I have not heard from them within period required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few fraudulent accounts appearing on my credit report. 


1. XXXX XXXX XXXX XXXX {$470.00} 2. XXXX XXXX XXXX {$28000.00} 3. XXXX XXXX {$7800.00} 4. XXXX XXXX {$10000.00}
Product: Credit card or prepaid card

I had tried multiple times to reach Avant Credit card to make my payment all the way up until twice yesterday morning also tried using theyre XXXX XXXX to make payments on time and theyre website all which had failed I received a call from them yesterday and they said I was past due and owed XXXX to bring account current I said I would make payment and that I had tried multiple times and could never reach them by phone as well they said they understood had me try resetting password multiple time in XXXXXXXX XXXX and using web browser all those times while I tried to do so failed obviously they said there was a problem on theyre end so I paid what I owed they said not to worry because problem was nothing to do with me they would do late fee waiver then XXXX I got a email from them saying late fee was denied so they lied to me knowing full well it was not in any way my fault I was not able to make a payment and even seeing themselves why I wasnt able to I need this late fee waived and not to effect my credit score I have been working so hard at improving my credit and this is unfair to do this to me
Product: Credit reporting or other personal consumer reports

Credit Reporting agency was updated by me and sent certified letter on XX/XX/ of blocking of account due to account not mine and illegally reporting actions. Company failed to update personal consumer report within four days as required by law. Proof provided that account in question is owned by entity and not by me personally in which this account is being reported
Product: Payday loan, title loan, or personal loan

i took a line of credit with monthy payments, after i thought i paind the loan off they said it was all intrest, thats not what the loan offiver said i resurched and found out it was 399 % intrest and nothing went to the principal and thats not what i was told, also i call and asked y they didnt tell me it was all intrest and the represenative said we gotch ya
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # ending in XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : I
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXXXXXX 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: 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. These are the account that I marked as inaccurate : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft in the past and noticed a few accounts listed on my credit report that did not belong to me and were unauthorized. I don't have a contract with XXXX XXXX and did not consent to them having any of my personal information. Not only is this account fraudulent but it is also inaccurate, invalid, and incomplete and an unauthorized. These accounts are ruining my life and my reputation with the banking system. I need these accounts removed immediately. I have been getting denied for a mortgage and I really need this for myself and my family.
Product: Money transfer, virtual currency, or money service

My full name matching my XXXX XXXX XXXX XXXX XXXX XXXX, of number XXXX. Im from XXXX and I want to complain about a very concerning problem related to the payment service PayPal offered at paypal.com PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. Their customer service always promised that they will release my funds after 180 days. I logged in to my account just before the 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPal and I believe their claims are false. All disputes related to my account were settled. Futhermore, they took this money long before their said 180 days period elapsed. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to ZERO enriching themselves from my hard-earned money. 


PayPal transferred my whole {$8000.00} USD balance from my paypal account XXXX and took my hard-earned money under the Transaction ID : XXXX done on XXXX XX/XX/2021. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 

I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about these corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. 

Looking forward to your reply. Thank you Warmly, XXXX XXXX
Product: Debt or credit management

I entered into a debit consolidation agreement with Clear One Advantage ( https : //www.clearoneadvantage.com/ ) as of XX/XX/XXXX. I made monthly payments + additional settlement payments until XX/XX/XXXX. During the course of the program, it was understood Clear One Advantage would assume the role of repayment based on settlement prices. In XX/XX/XXXX, my bank account related to the consolidation program ( that was supposed to be mine, only to be closed by me ) was closed by Clear One Advantage. After the fact I was sued by XXXX Bank for one of the loans that was supposedly " settled in full '' starting in late XX/XX/XXXX. 

When i called in late XX/XX/XXXX after payments stopped being pulled from my account, I was told my program was completely settled. I received no additional notification via phone, mail, or certified mail regarding unsettled agreements. At some point the XXXX balance was bought out by XXXX with, possibly, not regards to the prevlous agreement or payments. 

I am inquiring as to why my account was finalized prior to settlement and why I was sued to payment based on an unpaid amount?
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and noticed my credit was pulled by XXXX. I never used this company for any services or applied for a loan with this company.