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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 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
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this complaint due to the consumer reporting agency refusing to process my recent disputes, despite having received a valid and signed Power of Attorney ( POA ) document authorizing my representative to act on my behalf. They have sent a stall letter stating that they will not proceed because they " do not believe the dispute came from me. '' This claim is inaccurate and disregards the POA provided. 
As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and it is unlawful for the credit reporting agency to coerce me into using their online or phone dispute options instead of honoring my submitted disputes. I respectfully request that the consumer reporting agency process my recent disputesas previously submitted this letter should be attached to my credit file as it has been acknowledged, but ignored. 
Attached are the following supporting documents : My government-issued ID and proof of address The signed Power of Attorney document Please investigate this matter and take the necessary steps to ensure my disputes are processed promptly. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For over 5 years now I have been disputing items on my credit report one is XXXX  XXXX XXXX on all XXXX bureaus and XXXX  on equifax and XXXX they both were removed because of fraud but after 5 months showed up again which is illegal for them to keep reporting a fraud account they say it will be removed now in 30 days and absolutely do nothing about it.And now due to a mixup on there end I have some type of collection reporting which has nothing to do with me on all XXXX bureaus it is sunrise collection agency and that is fraud as well.Sent them all the documents requested they remove it and after a few months report it again and XXXX has been charging me for the past 4 months and it keeps saying I cant check my XXXX or equifax because someone elses information has been mixed with my credit file but yet charge me XXXX every month for services I cant use and when I call them they say they will issue refund but nothing happens I would greatly appreciate it if you can assist me in this matter thank you.
Product: Student loan

My employer offered me tuition reimbursement and sent a {$5000.00} check to AES. This is after confirming with AES that this is allowed and we just need to write the account number. They have had the check for almost a month and still havent applied the payment. Customer service says theres no way to contact that department and each time I call I get a different answer. They keep asking me to take a picture of the check, and I am trying to explain THEY HAVE IT!
Product: Debt collection

Eastern Account Systems of Connecticut , Inc. is a collections agency. XXXX is who the debt is supposedly with and who they are collecting for. They were contracted after the first collections agency ( XXXX XXXX XXXX  ) was dismissed for not being bonded in the State of Texas to collect. Eastern Account Systems of Connecticut , Inc. is also not bonded with the Secretary of State of Texas, which is required in order for them to perform collections in Texas. I notified them of this, along with contacting them in the allotted time they required to stop the collections process. Eastern Account Systems disregarded my communication and reported this collection to XXXX and XXXX without my permission to do this. 

I believe they are in violation of the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, defamation of character, 15 USC 1692d ( 1 ), 15 USC 1692g ( b ), 15 USC 1681s2 ( a ) ( 3 ), 15 USC 1681i ( a ) ( 1 ) ( A ) and 15 USC 1611, along with defamation of my character. 

After faxing and emailing the attached complaint, XXXX XXXX with Eastern Account Systems stated the following ( note inaccuracies below : Eastern is not bonded in the State of Texas, it was disputed within 60 days and they still reported to two credit bureaus, and no calls were placed or received ) : XXXX XXXX From : XXXX To : XXXX Mon, XX/XX/XXXX at XXXX XXXX  Good afternoon, Eastern Account System takes great pride in our approach, the way we communicate and maintain compliancy. 

Eastern Account System is licensed to operate in the state of TX. 

XXXX placed an account in collections in XX/XX/XXXX with a {$100.00} balance owed for service that began XX/XX/XXXX provided through XX/XX/XXXX @ XXXX XXXX XXXX XXXX XXXX. This account was also placed with another agency prior to Eastern Account System Eastern Account System sent a notice allowing time to dispute, pay or validate the debt prior to credit reporting. At no time were the notices returned undeliverable. Calls were also placed without a response. The account did not credit report until approximately 60 days later. 

Validation of the debt owed has been requested and will be mailed to you.
Product: Credit card or prepaid card

Wells Fargo dispute resolution would not issue a chargeback involving merchant XXXX XXXX ' XXXX  which admitted to fraud. XXXX XXXX XXXX XXXX knowingly over-charged {$29.00} and Wells Fargo 's response is that merchants can run their businesses however they want.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, I reported to XXXX, XXXX, and XXXX, that information on my credit report is incorrect. Date of first delinquency being reported by American Education Service ( AES ) is incorrect. They were even falsely reporting payments that were never made. This was a loan obtained in XXXX which is now a XXXX XXXX old account still being reflected on my credit report. It is being reported that last activity was XXXX when in fact no activity has been made XXXX years beyond that.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXt Account number XXXXXXXX XXXX  XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXXy, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX, XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights , 15 U.S.C 1681 section 602 A States I have the right to privacy XXXX 

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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

a banker called me on XX/XX/2022 from Rocket mortgage for a saving review, he asked for my DOB.

and then he said he will verify my information and put me on hold .then he came back and said you have a good interest rate, so you are in a good position now. 
and then the next day I received an inquiry alert by Rocket mortgage. I called them and filed a dispute. 
on XX/XX/XXXX, they called me back denying my dispute, claiming that he got my authorization. I asked to listen to phone record but they refused .tried to explain to them that I didn't ask for a refinance or a loan, because I know there is no way anyone can offer me better interest rate nowadays because of the rates increase .Especially I am a banker who does loans and knows. 
today I called XXXX Dispute line and they said that the creditor will have to remove the pull up from my report and they cant do anything. 
called Rocket mortgage again with no luck.
Product: Credit card

This the worst company ive EVER been with and I have at least 3-4 credit cards with a XXXX credit score! These people will hold your money for 30+ days if you over pay, then tell you theyll mail the check, wont do it until 10 days AFTER the 30 days then tell you to wait another 30 days plus the 10 days to mail it again once you tell them you never received it. I closed this account in XXXX because of this XXXX  and I still have yet to receive the {$500.00} I over paid! This the worst type of company to EVER work with and I will report them everyday at this point cause its starting to feel like stealing and its a finance company like I NEVER had them wait this long on a payment or ever been late so Im confused wheres my money!?
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report. This situation has caused me a great deal of stress, especially as I am already facing personal challenges. The following items are incorrect and are negatively impacting my credit score, making it even harder for me to move forward : Account Name : XXXX Account Number : XXXX Reason : This account is incorrectly reporting negative payment history on my credit report. As an authorized user, I am not responsible for the balance incurred by the primary cardholder or for any missed payments on this account. This situation has been especially stressful for me during a challenging time, and I kindly ask that this error be corrected as soon as possible. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I am deeply concerned about this account, as I have never had a contract with this debt collector for any debt. This situation has been overwhelming during an already difficult time in my life. I kindly ask that you provide proof from the original creditor showing that this debt collector owns the debt and has the legal authority to collect it. If you can not provide this proof, I respectfully request that you delete this account from my record. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : I am going through a difficult time, and I am disputing the missed and late payments reported on this account. Please provide detailed statements and records of all payments made and missed since I opened this account, as I need to understand what went wrong. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : I am deeply concerned about this account, as I have never had a contract with this debt collector for any debt. This situation has been overwhelming during an already difficult time in my life. I kindly ask that you provide proof from the original creditor showing that this debt collector owns the debt and has the legal authority to collect it. If you can not provide this proof, I respectfully request that you delete this account from my record. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : I am going through a difficult time, and I am disputing the missed and late payments reported on this account. Please provide detailed statements and records of all payments made and missed since I opened this account, as I need to understand what went wrong. 

INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. Despite my efforts in contacting the credit reporting agency and the data furnisher, the issue remains unresolved. I have attached supporting documentation, including screenshots of my credit report, highlighting the inaccurate information and supporting my claim. Please investigate this matter promptly and update my credit report to reflect accurate and truthful information.
Product: Credit card or prepaid card

Reference to Former Complaint # XXXX ( I was told a new number would be assigned after I submit information online. ) XX/XX/XXXX XXXX XXXX sent a bill pay payment to Capital One for our Cabelas Visa Card for {$3100.00} XX/XX/XXXX Capital One received and cashed the {$3100.00} payment. 
XX/XX/XXXX Both XXXX XXXX and XXXX XXXX ( cardholder ) faxed Capital One a copy of the transaction. 
Capital One is claims I stopped payment on the {$3100.00} payment, despite numerous 3-way conversations with XXXX XXXX, Capital One and XXXX XXXX. During these conversations XXXX XXXX confirmed there was not " stop payment ''. 
Capital One says they will investigate, but they have never attempted to return my phone call. Despite repeated claims the Capital One sent the {$3100.00} back to my XXXX XXXX Account, they have never sent proof of this transaction. 
While the account and fees were credited, I have just been re-billed {$3100.00} and Capital is claiming a payment credit made on the XX/XX/XXXX statement which is enclosed. 
*Please note on my XX/XX/XXXX Cabelas Statement the XX/XX/XXXX " Payment Adjustment '' under transactions. This amount was billed and not credited.
Product: Credit reporting or other personal consumer reports

Equifax refuses to give me my credit report. 
They state that I have an address conflict. I have sent them letters showing my ID and address and a bill showing that. However my account is not updated. I cant even retrieve my report. Attached is a my drivers license with my address I have had for the last 7 years
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property 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. 
Im requesting these accounts as follows be deleted 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and i saw accounts which are not related to me. I don't recognize all these accounts, i don't know where did you get them from, I have never sign any contracts or agreements with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I sent letters to Equifax, XXXX and XXXX expressing my concern regarding me not providing permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that reporting of this information be blocked and deleted. My request to block is NOT being made in error ; XXXX is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.
Product: Debt collection

On XXXX XXXX, 2017, I was contacted through email by XXXX XXXX at True Accord. Her email was XXXXXXXXXXXX. XXXX contacted me through email regarding a debt with XXXX. I writing this complaint due to my concern of the amount due and contact practices. I thought it was odd I was only contacted through email. My second issue is the balance. The initial balance True Accord is reporting is {$920.00}. This amount is different from what is showing on my credit report. I ask that CFPB investigate the validity of this debt and company. I do n't want to pay a company that is not legit. 

Information received from email : True Accord XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent multiple letters to get a collection removed. Alleged account- XXXX XXXX XXXX. Its been removed and its come back as another company. Under 15 US Code 1692j Section 807 ( FDCPA ) Furnishing false deceptive forms. Furthermore proof of purchase discounted cost of the debt is requested. Provide a copy of consumers signature on a contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXXXXXX {$530.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$29000.00} Date opened XX/XX/XXXX XXXX XXXX {$1900.00} Date Opened : XX/XX/XXXX XXXX XXXX {$5100.00} XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$430.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$11000.00} Date Opened : XX/XX/XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Product: Student loan

I requested to have my student loan payments made during the COVID-19 pandemic refunded as was allowed under the CARES act. I have been given timelines that state I must wait XXXX weeks or more to receive the money, and can not get in contact with anyone that can actually resolve or expedite this. My balance was reinstated on XX/XX/XXXX and now reflects on my credit report as a higher balance, despite no refund being made to me. My balance should not have been adjusted prior to the money being in my hand point blank, that is wrong. It is also wrong I should be told XXXX weeks to wait for a refund I know they can process faster than this. I opened a case on the XXXX website, nelnet reached out and just reiterated I have to wait. This is unacceptable. I contacted the US dept of treasury at XXXX and was told this refund is still pending DOE approval. I reached out to a number given to me by the US treasury XXXX but when I selected the option for help with direct loans, i get told this extension is no longer in use and get hung up on. This is unacceptable. It is being reported to all 3 bureaus my balance is higher, i want my money now.
Product: Vehicle loan or lease

XX/XX/XXXX I bought a brand new XXXX XXXX. 

XX/XX/XXXX, my XXXX  stalls dead in traffic. Took to dealer, they said it was out of oil. My XXXX burns oil! On 3 other occasions I have had dealer ship and myself add oil to this XXXX. This XXXX burns oil! And who knows causes premature tune ups, pistons, oil that cost XXXX $ a quart. This is not right. 

I tried reaching out to XXXX XXXX and received a call center who wouldn't let me speak to supervisor or management. 

My dealership says I can't trade it in, that they are trying to resolve the oil burning issue. I can't file for a lemon law. This is not right! 

I'm paying off a loan! I make {$12.00} an hour. I am XXXX years old. 

Can someone help me? I don't deserve this, it's a brand new XXXX  with XXXX miles. Can you have XXXX management contact me? They have many complaints about this problem, I've looked it up and the dealership says they have many complaints as well. 

Thank you, XXXX