23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to formally dispute multiple inaccuracies and unauthorized inquiries on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I request an immediate reinvestigation and correction of the following erroneous accounts and inquiries. 

XXXX. XXXX XXXX XXXX XXXX discrepancy : TransUnion is reporting the account as XXXX XXXX past due, while XXXX is reporting it as a repossession. This inconsistency must be corrected. 
XX/XX/XXXX XX/XX/XXXX : Shows on-time payments, except XXXX & XXXX, which show ND ( No Data ) this is incomplete and must be updated accurately. 
XXXX reports a different timeline for XXXX : XX/XX/XXXX : Paid on time, yet XXXX XX/XX/XXXX show XXXX XXXX late consecutively, which is impossible. 
XX/XX/XXXX : XXXX XXXX late XXXX XX/XX/XXXX : XXXX XXXX late consecutivelythis is also impossible and contradicts XXXX report. 
I request an immediate correction of this account to ensure accuracy across credit bureaus. 

XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) This account was previously removed by XXXX and must also be removed from TransUnion. 
It is still incorrectly reflecting as an open collection account and showing charged-off payment history, which is inaccurate. 
I request immediate deletion of this account. 

XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) This collection account is still reporting as open, which is incorrect. 
Additionally, it is reporting charged-off payment history, which is not applicable to collection accounts under FCRA regulations XXXX 
I demand an immediate deletion of this inaccurate account. 

XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) This collection account is reporting as open, which must be corrected. 
The account also incorrectly includes charged-off payment history, which is not permissible for collection accounts. 
I request an immediate deletion of this inaccurate account. 

XXXX. Dispute of XXXX Unauthorized Hard Inquiries Under FCRA, 15 U.S.C. 1681b ( f ), no company is allowed to access my credit report without my express authorization or a permissible purpose. The following unauthorized hard inquiries must be removed immediately : 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 XXXXXX/XX/XXXX These inquiries were not authorized by me, and under FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I request a reinvestigation and immediate removal of these inquiries from my credit report. 

Please remove 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

am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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, XXXX '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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
For american credit acceptance andXX/XX/XXXXXXXX as inaccurate
Product: Credit reporting or other personal consumer reports

I recently became aware of the CFPBs lawsuit against XXXX and believe I was similarly negatively affected by TransUnion. My ability to obtain credit was harmed after receiving a response to my earlier dispute stating that the accounts in question had been verified. However, no details regarding your investigation were provided to support this conclusion. 

If compliance with regulatory standards is a priority, I strongly urge you to either provide the necessary evidence substantiating your findings or promptly remove the disputed accounts. 

I recently came across information regarding the CFPBs lawsuit against XXXX. I believe I was adversely affected, as my chances of obtaining credit were negatively impacted after receiving a response to a prior dispute stating that the accounts in question had been verified. I request that you either provide the necessary evidence to support this verification or promptly remove the disputed accounts. 

Fraudulent Claims and Misrepresentation Fraudulent Collection Attempts : If a collection agency continues to pursue a debt that has been discharged and reported via a 1099-C, they could be engaging in fraudulent practices. This might constitute fraud not only against the consumer but also potentially against the IRS, as it involves misleading actions regarding the status of the debt. 

Also reporting late payments are coming back verified no evidence Regarding Inaccurate Credit Reporting information that remains on my credit report despite previous attempts to rectify these errors. I have noticed that much like the issues highlighted in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX, my disputes have not been adequately investigated or resolved. 

Specifically, I have repeatedly disputed the accuracy of the disputed item continues to be reported inaccurately. Each time, I receive a response indicating that the information has been " verified '' by the furnisher, yet no substantial proof or explanation is provided to support this verification. 

The CFPB has outlined in their lawsuit against XXXX that such practices violate the Fair Credit Reporting Act ( FCRA ), which mandates proper investigation of disputes and accurate reporting. XXXX, as noted by the CFPB, failed to conduct meaningful investigations, leading to the reinsertion of erroneous information into consumer credit reports. I believe my situation mirrors these allegations, where my concerns have been dismissed without thorough review or fair investigation. 

Dates : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my Avant card in XXXX early XXXX and it is still showing overlimit on my credit reports. I've contacted the credit card agency directly and they've said numerous times they've fixed it to report the correct balance and they Have Not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are incorrectly reporting me as an Authorized User on the XXXX  XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit card or prepaid card

I stayed at the XXXX XXXX in XXXX on XX/XX/XXXX. On my XXXX Citi-Corp credit card statement I was charges {$500.00} from the hotel. I contacted accounting at the hotel on XX/XX/XXXX and asked abut the charge. They said I broke the television. I did not even turn on the TV. I was attending a school board conference all day into the evening and early the next day. I asked what was broken and how much it cost and who reported it. The XXXX XXXX declined giving me any information, saying that information was is confidential. On XX/XX/XXXX, Citi said it was probably damages. They told me that the XXXX had the right to charge me because I had given them my card when I checked it. I asked them to contest the charge. On XX/XX/XXXX they sent me an unsigned form letter denying my claim, using the same verbage they gave on XX/XX/XXXX. 
FACTS I did not use the television XXXX is not showing any proof that it was broken or that I did it. 
Citi-Corp did nothing to help me.
Product: Debt collection

It was almost an everyday call up until I blocked them. I explained to them that I was never told my doctor at XXXX XXXX XXXX XXXX stopped taking my health insurance, and they continued to make my follow-up appointments. They are constantly harassing me.
Product: Credit card

I had a Capital One Spark Business Credit Card ( XXXX ). I requested the account to be closed sometime in XX/XX/XXXX. 

Without my knowledge and with no physical communication, Capital One re-billed my account on XX/XX/XXXX, seemingly for a dispute I filed. 

Then having no knowledge of this issue, a late fee of {$39.00} was billed to my account on XX/XX/XXXX. 

I only happened to notice the late fee on XX/XX/XXXX by chance and by logging into the account. 

I am demanding for Capital One to reimburse the late fee because there was XXXX communication and indication that I owed Capital One money. Usually, other credit card companies send any dispute related information or statements via mail. Under the impression that my account was already closed, I did not have any knowledge that I owed Capital One money, let alone a late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported XXXX XXXX XXXX XXXX XXXX  {$1100.00} / XX/XX/2022
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 {$8200.00}, {$3000.00}, {$3900.00}, {$1600.00}, {$350.00}, {$1100.00}. 
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. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 













2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

XXXX. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$350.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

AN ACCOUNT WAS OPENED WITH MY INFORMATION ILLEGALLY AND AFTER REQUESTING VERIFICATION AND VALIDATION OF THE FRAUDULENT ACCOUNT FROM ALL THREE CREDIT REPORTING AGENCIES AS WELL AS CALLING THE " CREDITOR '' of the ACCOUNT IT IS CONTINUING TO BE REPORTED TO THE CREDIT REPORTING AGENCIES AGAINST THE LAW AND WITHOUT MY AUTHENTICATION AND CONSENT CAUSING ME HARM, FINANCIAL INJURY, AND MENTAL ANGUISH OVER THE HARASSMENT AS WELL AS THE FRAUDULENT ACCOUNT ILLEGALLY BEING SOLD TO A THIRD PARTY XXXX XXXX IS WHAT THE LETTER SAYS I SENT A LETTER REQUESTING THE VALIDATION PER 15 U.S. Code subsection 1681a-x and the letter attached is how XXXX RESPONDED NO PROOF HAS EVER BEEN PROVIDED TO ME ABOUT THE VALIDATION OF THIS ACCOUNT AND I HAVE REQUESTED IT'S REMOVAL MULTIPLE TIMES
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report on XX/XX/XXXX. I recognized that there were some hard inquiries that did not have permissible purpose from XXXX posted by TransUnion. 

XXXX. XXXX XXXX from XXXX XXXX, XXXX : This inquiry has no permissible purpose to be on my report. I ask that you DELETE this inquiry due to violation 15 USC 1681b. 

XXXX. XXXX XXXX from XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. I ask that you DELETE this inquiry due to violation 15 USC 1681b. 

XXXX. XXXX  from XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. I ask that you DELETE this inquiry due to violation XXXX XXXX XXXX. 

XXXX. XXXX XXXX XXXX from XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. I ask that you DELETE this inquiry due to violation 15 USC 1681b. 

XXXX. XXXX XXXX from XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. I ask that you DELETE this inquiry due to violation 15 USC 1681b. 

XXXX. XXXX from XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. I ask that you DELETE this inquiry due to violation 15 USC 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX a collector for original creditor XXXX has recently updated/verified a collection account, account no. XXXX and done so wrongfully.The inaccurate negative information is appearing on XXXX, experian and XXXX credit bureaus. 
When I originally received the service and phone I was satisfied.Shortly thereafter the screen broke so I contacted XXXX and XXXX replaced the phone with a refurbished phone for XXXX dollars.The refurbished phone worked for awhile but there was a problem with the charging port.I struggled with the phone for about a month until the phone was dead and wouldnt take a charge.I didnt want to pay another XXXX dollars to trade this phone and risk getting another defective one so I abandoned the acct and moved to another carrier.I was being billed heavily as I had added my girlfiend to this account which did not function properly due to the two defective phones.The phone service was only good in the beginning and the service deteriorated with the defects on the original phone and replaced phone.The carrier XXXX could not provide good adequate service due to defective phones and the charges to me are unfair and wrongful due to the poor service received.
Product: Credit card or prepaid card

On around XX/XX/2018 I applied for a XXXX card from Capital One and I received a XXXX XXXX XXXX XXXX XXXX with my excellent credit scores of XXXX XXXX and XXXX XXXX. 

My credit limit was only XXXX and I just received my XXXX XXXX XXXX XXXX XXXX on XX/XX/2018 and I did request a higher credit increase over XXXX and made contact with Capital One rep on XX/XX/2018. 

With my excellent credit scores I should have receive a credit limit around XXXX or more and my XXXX Card that I requested. 

I am XXXX XXXX and XXXX .Very Urgent Matters
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for purpose.
Product: Money transfer, virtual currency, or money service

So my account on coinbase got temporarly locked and I should contact them to unlock it. I wrote them and got a response about answering some security question. I did that and it was on the XX/XX/2019. Now it is the XX/XX/XXXX and I still got no answer. The Case is : # XXXX.
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquiries. I want them blocked & removed immediately. XXXX ( Retailer ) XX/XX/2023 XXXX XXXX ( Finance ) XX/XX/2023 XXXXXXXX XXXX  ( Finance ) XX/XX/2023 XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX Bank ) XX/XX/2023 XX/XX/2023
Product: Debt collection

Requested proof 3x 's to verify this debt belongs to me with no reply
Product: Payday loan, title loan, or personal loan

I began taking out RISE loans in  XXXX   XXXX ,  XXXX  for {$500.00}. I thought it was just for an emergency because I was short at the end of the month. This continued for years until  XXXX  and the amounts that RISE offered kept increasing because I made all of my payments faithfully. The last loan I took was for  XXXX  in  XXXX   XXXX ,  XXXX  and this  one I  simple could not keep up with the payments. I placed a stop payment. It was a vicious cycle of non responsible lending that I fell victim to.
Product: Student loan

my student loan is now owned by naivent. The payment are automatic debits from my checking account.The company reset my payment to the minimum payment. the loan company had agreed to accept larger payments so the payments were going mainly to principal. our months ago they reset the payments to the minimum and hoped i would n't notice so the payment mostly goes to interest. They broke the agreement to get more interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a camper and XXXX BANK assumed the loan. I set up auto draft so I wouldnt have to worry about the payment. The address I used when I purchased the camper is not the same address where I am currently living. The problem is, funds didnt transfer in time and the auto payment didnt go through. At no time was I called to fix the issue. What they were doing was sending mail and notices to the wrong address. After I discovered my payment was late I IMMEDIATELY caught the late payment up As well as pay it current and correct the issue for the current address. They have XXXX modes to contact someone and if they are going to ruin someones credit they should at least try a phone number. Furthermore my credit dropped 104 points and Ruined my name. They used improper information and the years of being responsible to maintain top tier credit shouldnt be ruined by their mistake or 1 late payment.
Product: Debt collection

On XX/XX/year> I mailed out a letter requesting that this company provides proof of this alleged debt. I never signed a contract with this company and this debt is not mine. This is the only item on my credit report that is reflecting negatively. I have excellent credit and I have never been late on a payment with any company, nor have I ever had a debt go into collections. This is absolutely invalid and obsolete. This company failed to provide any proof of this debt and did not respond to my request for validation. They are continuing to report inaccurate and negative information on my credit report and violating my rights under the fair credit reporting act.
Product: Debt collection

This company, LVNV Funding have collection in my credit file. This is suppose to be from XXXX XXXX. I have never had credit card in question. I have ask for any written document that shows my signature but they have failed to provide any evidence. I have filled two identity theft with FTC and have submitted that to them. I have also filled a copy from another company but still they are still have this collection on my file. I have send a copy of my lease indication where I have resided since 2000 and still no respond. My next move is to file action against these company in Small Claims Court. I will mail copies of my lease and some more documents.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH 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 my 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 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 XXXX XXXXXXXX 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 10
02 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

Chase Card continues to run my credit regardless of the credit freeze on my social security number. I have gone to the local police but they can not have the credit inquiries removed from my XXXX XXXX credit report, nor can they do anything in regards to my stolen social security number. Please remove ALL Chase Card inquiries from my XXXX XXXX credit report. I was told these are BLOCKED but that is NOT TRUE. These inquiries are CLEARLY on my credit report and need to be REMOVED IMMEDIATELY.
Product: Student loan

Navient ( via XXXX XXXX REFUSES to put the upcoming biweekly payments on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft through a breach of personal information. Resurgent capital services bought my personal information from XXXX XXXXXXXX to manipulate me into paying them. I have never done business with Resurgent Capital Services and I first learned about this incident when they furnished fraudulent information on my consumer report. I have reached out by phone and now by mail to file a dispute to have the reporting removed but they refuse to start their investigation. It has now been two months since i first filed the dispute. They say that a police report and FTC identity theft report to proceed so i have sent them by mail.