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

I appreciate your assistance in recovering a portion of the data in my credit file that came about because of a FRAUD yet I have an item 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, NJ XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX  XXXX XXXX Balance : {$990.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit card or prepaid card

On XX/XX/2022 I was looking over my credit report and see that there have been incorrect and refuse to assist me by removing this creditor off my credit report. I contacted them through phone and mail informing them that I have been a victim of identity theft. I advised them to remove it asap and received a letter yesterday with this information.
Product: Credit reporting or other personal consumer reports

XXXX I have submitted a request in the past for unauthorized inquiries that were removed and are again reported on my report!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX Account Numbers : XXXX '' and XXXX XX/XX/XXXX XX/XX/XXXX Amount : {$1100.00} XXXX XXXX XXXXXXXX Account Numbers : XXXX '' and XXXX XX/XX/XXXX XX/XX/XXXX Amount : {$1100.00} XXXX XXXX XXXX Account Number : XXXX XXXX, XXXX XX/XX/XXXX Amount : {$6600.00} I expressed to TransUnion XXXX XXXX, and XXXX that these are fraudulent accounts and were never accounts belonging to me. These are adversely effecting my credit on all three bureaus. I have sent multiple letters to all three bureaus with my requests, asking for documentation bearing my electronic or wet ink signature supporting these accounts to no avail.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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..XXXX acct # XXXX, has violated my rights. 
15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604A section 2 : it also states that a consumer reporting agency can not furnish an account without my 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 late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has " verified '' collections. I have requested validation to include EVERY DOCUMENT used to support " verification. '' Transunion has blatantly and willfully refused. As Transunion has not been able to provide correct, accurate, and complete information, per request, DEMANDING REMOVAL AND SUPPRESSION OF XXXX XXXX XXXX, IMMEDIATELY. 

It is the consumer reporting agency 's obligation, " pursuant to section 611 ( a ) of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. Section ( s ) 1681i ( a ) ( 1982 ), to conduct a reasonable reinvestigation of information on a consumer 's credit report alleged by the consumer to be inaccurate. '' Transitions negligent and willful failure to reinvestigate the disputed entries in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. ( s ) 1681i ( a ), 1681n,1681o, have caused hardship, mental distress, and detriment overall.

PLEASE do not respond stating that " the company will respond and has received the complaint '' as it is OBVIOUS that the complaint will be received as it is a FEDERAL COMPLAINT. Please do NOT use this stalling tactic, just please respond according to the " fair resolution '' section.
Product: Payday loan, title loan, personal loan, or advance loan

On Friday, XX/XX/XXXX, I was looking for a short term loan to help pay a bill just until my next paycheck. I've done this before and usually the cost is nominal. 

I signed up for an account on XXXX, and expected to see the usual Loan Contracts with interest rates and fees, basically the loan contract except I did not see it. I saw XXXX documents that I had to sign, but none of the documents I signed had any loan information that I was seeking. 

I called and spoke to a rep from XXXX, and she said not to worry, that as soon as I sign the documents, there would be a loan contract complete with all the information I need to make a decision on whether to proceed with the loan. The rep specifically stated that the loan will not be finalized until I agree to the loan contract which would be emailed to me. 

I signed the XXXX documents electronically and waited for the loan contract to be sent to my email. 

A few hours later, I see a deposit for {$XXXX} into my account, which I did not ask for nor authorize. I did not even have any information about the loan, why would I authorize this transaction? I checked my email to see if the contract came through, and I did not find anything. I went to my account on the XXXX website, and could not find any terms or conditions of my loan there either. 

I called and spoke with a rep and they explained I would have to mail the company to get a copy of the contract. 

Since they never provided me with said contract in the first place, I wholeheartedly believe this is a clear violation of the Truth in Lending Act, and this is a predatory practice. I wouldn't agree to a loan unless I had all the information. I still do not know the parameters of the loan and the XXXX reps did not provide me with the information even after I asked for it. 

I have had to close my bank account and cancel my debit card to protect my funds from being access by a company whose predatory practices have left me concerned. 

Again, I have not seen or received any loan terms and conditions or contracts. They just sent me money and expect me to pay whatever outrageous fees and interest they want to charge me without me knowing about it. 

I have tried to email the company, and I have given my intent to rescind the loan. But they have not written back to me. It is now XX/XX/year>. Not a single call from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed some addresses that I have never been associated with and experian said over the phone they would remove them well now they refuse to remove these addresses. They even put the wrong address as my current. I am sending copies of what I sent them, please make them do their job and remove these illegally reported addresses My only legal address is XXXX XXXX XXXXXXXX XXXX Ga XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a statement requesting for these accounts to be blocked and deleted due to fraudulent activity. 

XXXX XXXX  Acct no : XXXX XXXX XXXX Acct no : XXXX XXXX XXXX Acct no : XXXX XXXX XXXX XXXX Acct no : XXXX XXXX XXXX Acct no : XXXX Inquiries : XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX
Product: Debt collection

To Whom It May Concern, I received a notice from Financial Recovery Services , Inc. ( FRS ) maybe a month ago about a debt from a XXXX card I had not used in a long time. I had previously stopped using this card and aggressively paid the debt off. I do not think I've purchased anything on the card in years. The debt was paid and I pretty much put the card out of my mind. I called the collector and explained this but they said I owed {$6300.00} on the card. I attempted to log into my XXXX XXXX app but could not. I couldn't log in online either, I called XXXX and was told in so many words that the account had been closed and sent to collections and they couldn't do anything with the account anymore. I asked what the charges had been for but they couldn't tell me. They told me that I would have to make a request through the collection agency. So I had FRS request copies of the statements from XXXX who then mailed them to me and I received them this week. The statements start with a XX/XX/XXXX - XX/XX/XXXX period and is filled with charges made all in Ohio. The charges range from restaurants in XXXX to gas stations to movie theatres. I live in Washington State and haven't spent any time in Ohio. This continues to the end of a period that ends on XX/XX/XXXX. Then there are some more statements where late fees are applied and interest but I don't see anymore charges. It seems like this fraud predates these statements though since the first statement has a previous balance of {$1900.00}. I requested earlier statements from FRS yesterday ( XX/XX/XXXX ) but was told that whatever was sent to me was more than they had and it wouldn't be possible to get more. I was told I had to file a police report on the identity theft and add that to my dispute claim with them. When I contacted my local police here they got back to me and said that I should file a claim with the FBI since it happened out of WA state the likelihood of them catching anyone was XXXX. The FBI site then redirected me here. Please let me know of anything else I can do to help resolve this matter. Thank you for your time and help.
Product: Debt collection

Disputed debt with XXXX, XXXX and XXXX. They will not remove or verify information.
Product: Debt collection

It is not only irritating but deeply troubling that such a fundamental aspect of my financial history has been misreported, potentially affecting my ability to secure favorable terms for future financial transactions. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. The sheer number of inaccuracies is not only irritating but also unacceptable, as it has a severe and unwarranted impact on my creditworthiness. 
XXXX XXXX XXXX  XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
A comprehensive review of the procedures in place to ensure the accuracy of credit reporting to prevent such errors in the future. I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I expect your bureau to adhere to the highest standards of accuracy and diligence. The continued presence of these inaccuracies is not only an inconvenience but also a violation of my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I have called InstaLoan multiple times and sent the company emails due to a charge off that is not mine. I have never used this company and I want it removed from my alternative lending report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 's : XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX 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.

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

Hi! I sent in a dispute last month, as well as Ftc Report, Police Report, and a Identity Theft Report. Most was removed accept a XXXX XXXX Credit Card and a few inquiries. XXXX   removed the car loan from XXXX XXXX but said that the credit card from XXXX was verified. They sent no explanation how they verified the account. Based on the Fair Credit Act Law they are suppose to explain how they verify the account. However i did not open, nor did i give anyone authorization to use my credit. 

My identification was stolen from me a couple of years before, this is not the first this has happen to me. I seek help with removing these items from my credit report. I believe they did not do a proper investigation, if they had then the other XXXX account would have been deleted just like the other. Here is the account information that is listed on XXXX with XXXX XXXX XXXX XXXX Account number is XXXX Opened XXXX Balance XXXX Here is the 3 inquiries that are listed on TransUnion. XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Earn Up is a third-party that collects mortgage payments and forwards them to the lender. The purpose is to make bi-weekly payments so the loan will be paid off earlier. 

Our XXXX payment was sent to XXXX XXXX ; our loan was sold to XXXX XXXX. I contacted Earn Up on XXXX to cancel my account since XXXX has their own bi-weekly option. They advised me that the XXXX payment was sent to XXXX on XX/XX/XXXX. I contacted XXXX  and they stated they had not received the payment. I informed Earn Up and they stated it was too soon to issue a stop payment. I made weekly contact with both institutions. On XX/XX/XXXX, Earn Up advised me they would issue a stop payment and refund the $ 3,000+ to my account. I monitored my checking account for the refund. On XXXX, I contacted EarnUp who stated it was too soon for the refund. I made contact on XXXX, XXXX, and finally on XX/XX/XXXX a rep told me that the check was cashed by XXXX on XXXX. I contacted XXXX  and they stated they had not received any payments on my behalf and would need proof of payment ( transmittal report, copy of canceled check, etc ) before they could initiate any investigation regarding my account. XXXX  was not willing to do any research on the payment without proof. I have requested a copy of the canceled check and an annual statement from Earn Up, multiple times. I was quoted 3-5 days turnaround on the check and statement. It has been over 2 weeks. 

Each time I call the customer service line, they say the same thing, " We've escalated the request and sent it to the back office. '' The phone center is in XXXX. They stated they make contact with XXXX XXXX by email only and no one can speak directly to XXXX XXXX staff. They are unable to tell me exactly the status of my requests, only that the information was sent to XXXX XXXX office. There has been no follow-up from Earn Up, either by phone or email. I have had to make all contact with them. 

I am unable to recover my $ 3,000+ from XXXX  without proof of payment. I want my money back. I want Earn Up to respond to my requests and provide the documents I've requested.
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act XXXX Account # XXXX ( XXXX ), has violated my rights. 

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 furbish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Kovo stated I signed a contract on a installment loan which is not true and was never told to me until XX/XX/2025 and once I requested for them to be removed from my credit they asked for an addition XXXX stated thats what I owe and i asked what the reason i owe that amount Heres a sample dispute letter you can customize and send to Kovo or the credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2025 Kovo Customer Support XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX Dispute of Account : XXXX Dear Kovo Customer Support, I am writing to formally dispute the accuracy of the information reported by Kovo to the credit bureaus regarding my account. I believe the negative report is inaccurate and does not reflect my actual financial obligations or the services/products I received. 



Specifically, I dispute the claim that I owe {$150.00}. To my knowledge : I canceled this account before incurring any charges. 



Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide detailed validation of this debt. Please send the following documentation to verify the accuracy of this report : XXXX. A copy of the signed agreement authorizing the charges. 

XXXX. A detailed breakdown of the amount owed and how it was calculated. 

XXXX. Any proof that I received the credit-building service tied to this debt. 



If you can not provide sufficient evidence, I request that this account be marked as resolved, and any inaccurate reporting to credit bureaus be removed immediately. 



Additionally, if this matter can not be resolved amicably, I may escalate my dispute to the credit reporting agencies or seek legal guidance to protect my consumer rights. 



Please respond to this dispute in writing within 30 days. You may contact me at [ Your Phone Number ] or [ Your Email Address ] for any clarifications. 



Thank you for your attention to this matter. I look forward to resolving this issue promptly. 



Sincerely, XXXX XXXX Let me know if youd like further adjustments!
Product: Debt collection

On XX/XX/XXXX, I received an email from my mortgage company with an attached letter from XXXX XXXX XXXX. This letter states that I am behind on my XXXX XXXX XXXX fees ( the company is called First Service XXXX  ) by {$2200.00} and they placed a lien on my home with an intent to foreclose to settle the debt on XX/XX/XXXX. I contacted XXXX XXXX the same day and was advised that I must pay {$4900.00} and somebody would call me on Thursday ( XX/XX/XXXX ) to discuss payment plans and a breakdown on why the amount is now {$4900.00}, which nobody ever did. The XXXX fee was {$45.00} a month, they're stating I owe {$2200.00}, which would mean I NEVER paid them, which is INCORRECT, and I have receipt's/bank statements to prove it. Yesterday, XX/XX/XXXX, I received a letter from XXXX XXXX XXXX with payment arrangements of {$940.00} for 6 months, totaling {$5600.00}. There was no itemized bill, nothing to explain what all these fees are. In 6 days ( XXXX weekend days ) it went up {$600.00}. This company is highly unethical and needs to be shut down IMMEDIATELY. I planned on speaking to a XXXX XXXX Representative and settling an appropriate amount and paying the debt in full. This company added over {$3000.00} in fees with no explanation of what they are. I also want a verification that once the loan is paid, they will remove the lien. This company needs to be looked into, as there are NUMEROUS complaints from other people detailing similar issues.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transitions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to product consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding a persistent issue related to my credit accounts with XXXX XXXX. Specifically, I have encountered multiple attempts to tie up an account that is correctly reported as open with 3 credit bureaus but inaccurately reported as a collection account with another credit bureau. 

This situation has caused considerable confusion, stress, and damage to my creditworthiness, and I am seeking your immediate assistance to rectify these discrepancies. 

XXXX XXXX XXXX Date Opened XX/XX/ Balance : {$0.00} - Tied Up Issue Description : One of my XXXX XXXX credit accounts is correctly reported as open and in good standing in other Credit Bureaus, as reflected in my credit report. However, this same account is erroneously reported as a collection account, as shown in my credit report. This inconsistency has severely impacted my credit score, making it challenging for me to secure favorable credit terms and loans. 

I have made multiple attempts to resolve this issue by contacting XXXX XXXX 's customer service, providing documentation and proof of the account 's open status, and requesting that the accurate information be reflected on all credit bureaus ' reports. Despite my efforts, the issue persists, and my credit profile continues to be adversely affected. 

I believe that this situation not only violates the Fair Credit Reporting Act ( FCRA ) but also reflects negatively on XXXX XXXX XXXX commitment to providing accurate and reliable credit reporting. 


To address this issue promptly and to ensure compliance with the FCRA, I kindly request the following actions : Investigate and verify the accuracy of the account information reported to credit bureaus, particularly the discrepancy between the Credit Bureaus. 

Correct the reporting error with 3 Credit Bureaus to reflect the accurate status of the account as open and in good standing.

Provide written documentation of the results of your investigation, including confirmation of the correction made withCredit Bureaus. 

Notify the Credit Bureaus and other relevant credit reporting agencies of the corrected information to ensure uniform and accurate reporting across all credit reports. 

Ensure that this issue does not recur in the future and implement measures to prevent similar inaccuracies in credit reporting. 

Failure to address this matter promptly and in accordance with the FCRA may compel me to seek legal remedies to rectify these inaccuracies, including pursuing damages for any harm caused to my credit profile and personal finances. 

I have enclosed copies of relevant documents, including credit reports. I kindly request for your assistance to correct this account in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached two accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the inaccuracies.
Product: Debt collection

I became aware of a company named Monterey Collection, trying to collect a debt that is not mines nor do the alleged debt belong to me. Once I requested debt validation the company sent me a pamphlet with my name and someone else name on the contract and it also has no signatures. this is a clear mistake of identity theft, and a fraudulent contract.

The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et seq., prohibits debt collectors from using abusive, deceptive, and unfair practices. The FDCPA also requires debt collectors to stop collecting a debt if a consumer disputes it.