23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt concerns a 30 day trial of XXXXXXXX XXXX XXXX XXXX. As per their trial policy, if the account is cancelled and the device is returned within 30 days, the use for the first 30 days is free. I canceled the service and returned the device within the 30 day window. XXXX acknowledged this on two phone calls ( see dates below ) Nonetheless, XXXX has ( 1 ) charged me {$60.00} and ( 2 ) referred this non-existent debt to a debt collection agency ( XXXX XXXX. 

The relevant dates are below : XXXX - Order placed for the XXXXXXXX XXXX XXXX XXXX XXXX. 
XXXX - XXXX Device delivered to XXXX XXXX - Cancelled service via XXXX 's chat feature. XXXX told me to drop it off at a XXXX store ; they would not provide a return XXXX number. 
XXXX - XXXX Device was delivered, by hand, to XXXX store in XXXX, Montana. 
XXXX - I called customer service because I received a {$60.00} bill, despite having cancelled service and returned the device within the 30 day window. XXXX stated that they did receive the device in XXXX on XXXX, and it was received in the " warehouse '' on XXXX. XXXX stated that they would fix the bill and zero out the account. 
XXXX - XXXX confirmed again that I cancelled and returned the device within the 30 day window. They could not explain why the charge remained. XXXX opened an " investigation '' ( confirmation XXXX ; Order ID XXXX ) that they said would resolve the issue within 5-7 days. 
XXXX - I receive an email from MRS ( mrsbpo.com stating that XXXX gave them my " bill '' ( again, that XXXX twice stated should have been remedied and zeroed out ) for collection. Same day I called XXXX and was told there was nothing they could do because the " debt '' was in collection. 

This is a false debt collection ; there is no debt and XXXX and MRS are attempting to collect on a non-existent debt.
Product: Debt collection

This was a bill from XXXX XXXX XXXX that I didnt have service for. Ive disputed multiple times but they keep selling my debt to other agencies
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


1. CREDIT COLLECTION SERVICE Account Number : XXXX Please remove it from my credit report.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I
have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX XXXX Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 


PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed this account from their records. I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX
Product: Credit reporting

I submitted validation letters to Equifax about accounts listed on my credit report that are not mines, and that I have no knowledge of. Equifax submitted letter back stating " verified, '' and I submitted letters requesting that Equifax provide me with proof that the account is mines and they have yet to provide me with proof. 

Account : XXXX XXXX XXXX & : Account : XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My vehicle was repossessed in XXXX XXXX. A settlement offer letter dated XXXX/XXXX/XXXX was mailed to my home earlier this year. This letter offered to settle account with a stated principal balance due of {$7900.00} for 30 % of this amount. The settlement total amounted to {$2300.00}. The letter further stated that there was a 60 day window to accept the offer. Unfortunately at the time I had no knowledge of the settlement offer as I was incarcerated from XXXX XXXX, XXXX until XXXX XXXX, XXXX in the XXXX XXXX XXXX. I contacted Santander and explained this. I also sent them a letter with proof of incarceration to no avail. I would like the opportunity to consider this offer as it was impossible for me to do so initially as I lacked knowledge of the offers existence.
Product: Credit reporting or other personal consumer reports

The bankruptcy currently reflected on my credit report is inaccurately represented. The case indicated as valid and accurate is, in fact, erroneous. There has been no trial or judgment associated with this case. Without a judgment, there can be no valid case. 
It is imperative that you promptly remove this account from my credit file. The bankruptcy XXXX XXXX case number XXXX should be deleted immediately as it is fraudulent. 

Failure to rectify this situation and continue reporting inaccurate information will compel me to pursue legal action. I have consulted with my attorney, and if the matter is not resolved within XXXX days of this letter, legal action will be initiated.
Product: Checking or savings account

I cashed checks totally {$6300.00}. When I realized the checks was fraud is when they was return. I called and inform USAA that it may have been fraud, that the checks was not good. I had that account for over 10 years. I didn't want it to seem like this was internally done. 
I paid the total of {$6300.00}. USAA informed me that my account would not be closed. They closed my accounts and did not say a word. I did not received a letter stating that the accounts, checking and savings was closed. 
I opened a new account with XXXX XXXX and this is when I am finding out that there is still an issue with USAA in this matter. 

It is reported that the balance is Unpaid and it was fraud. Both of which is not true. 

I would appreciate help in clearing this matter. 

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

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance Owed : {$5800.00}.
Product: Vehicle loan or lease

Car loss accident the dealer I purchase the car from unable find my account because company was sold to new owner without my vehicle leasing info. Dealer not able to find my warranty and gap info in time. Car purchased with gap insurance and extended warranty I was charged additional fees due to Nissan dealer investigation time and mistakes. I am charged more than {$2000.00} additional fees due to Dealer s not able to find the car info. I want Nissan to remove the additional charges and report the mistake to the credit bureau.
Product: Credit card or prepaid card

XXXX Amount Delinquent {$3500.00} Payment Status Collection/Charged off. 

This is a Corporate Account. I contacted American Express in writing for the past TWO years. They refuse to respond. They are reporting late every month. That monthly reporting is lowering my credit score. American Express took a Corporate Account and converted it to a Sole Properitor to attack my credit as a Individual. The Corporate name was XXXX XXXX XXXX XXXX XXXX and XXXX XXXX   XXXX.
Product: Credit card or prepaid card

I am a victim of identity theft. Someone I do not know hacked my computer and made fraudulent charges on my account and I now have been receiving credit bill statements. The fraud was made on XX/XX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Checking or savings account

Lake Michigan Credit Union XXXX # XXXX XXXX dispute case # XXXX AND XXXX First account issue was un authorized transactions withdrawal from my checking account that lmcu refuse to address or refund. 

Second account issue was the fraud from XXXX for XXXX justice # XXXX. This organization has taken my money and absolutely abandon me for the legal services it was hired for. I was hoping that lmcu would have helped me with both issues. Now they have closed my account and refuse to help me with the refunds. I will be mailing my supporting documents. It will not upload to this site.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed incorrect information on my credit report XXXX XXXX on all 3 credit bureaus XXXX, XXXX, XXXX credit report And equifax sent me a letter after I sent them a letter from the debt collector saying they can not locate my account and I am not in the system and I requested that all 3 credit bureaus remove XXXX XXXX inaccurate reporting and its past 30 days and Ive not received any investigation results by mail
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I disputed the debit with XXXX XXXX and XXXX they took almost 3 months to give me any answers. This debit was bought by Portfolio Recovery a debit agency after 4 years. 
The creditor was XXXX XXXX XXXX XXXX merchant XXXX amount {$470.00}. I found out that I was in a public data breach with XXXX where my personal information was compromised and may have been used in identity thief. Portfolio recovery stated that this debit is validated with this XXXX company. My debit to them was satisfied years ago.When I found this on my credit report I disputed it immediately, then I found out I was in a data breach. I am protesting this and want it removed by the Collection agency. When I looked into this debit it was bought by 3 different collection agencies. This agency sent me a letter asking me if I wanted to settle my debit for {$160.00} now tell me this is not another scam.
Product: Checking or savings account

Check fraud/misappropiated funds : Wells Fargo bank deposited a check we wrote to a different company or person than listed on check. Seeking reimbursement for misappropriated funds. 

Date of check XX/XX/XXXX amount : {$1200.00} date redeemed : XX/XX/XXXX Have not been reimbursed for Wells Fargo mistake. I called Wells Fargo after it was processed after being contacted by the intended recipient about the missing payment they were expecting. Wells Fargo confirmed that the account funds were deposited to was not the same as written on the check, but would not tell me the account holder name nor would not process a reimbursement. Wells Fargo told me that I needed to go through our bank to process a request for for reimbursement for this check that was deposited to their account holders account in error. 

I started a claim through our bank on XX/XX/XXXX. I provided the required paperwork with a signed statement from payee confirming they did not receive the check or receive the funds. Our bank submitted the claim to Wells Fargo on XX/XX/XXXX. They advised me it could take 90 business days. I had followed up with them several times over the past few months inquiring about the claim status. each time they said there was not response, although there was a response of receipt of claim initially. 

Finally on XX/XX/XXXX received a letter from our bank saying that Wells Fargo has not responded to any of their multiple attempts regarding my claim and thus have closed the case. It has been 6 months since filing this claim and it has not been resolved, nor has Wells Fargo responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Companies pulled my credit file fraudulently and cause false Inquiries on my credit report account. I have contacted these Individual companies personally and ask them to contact the reporting agency and remove the Inquiries. XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX Transunion XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act XXXX  account # XXXX / XXXX  XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

XX/XX/2025 I received several refunds from the same company XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, the bank is acting with deceptive practices by withholding the deposit as if its a check that has to be verified.
Product: Debt collection

I got a credit card from Navy Federal Credit Union and they charged the debt off which is now considered income and should be put as paid as agreed from my credit report. They are also trying to sue me as well and saying they could garnish my wages or XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/year> Mariner Finance , LLC XXXX XXXX XXXX XXXX, XXXX, MD XXXX Re : Account Number XXXX Dear Mariner Finance , I hope this letter finds you well. I am writing to request a goodwill adjustment for my Mariner Finance ( Account Number : XXXX ), which has been paid off in full. 
Due to Covid-19 pandemic and the impact it had on the economy, I lost my job as I was laid-off by my company as it attempted to cut down on labor to withstand the pandemic losses and also during this period, I had a medical emergency as I was exposed to the virus and due to this, I experienced financial difficulties that resulted in missed payments on my account. I take full responsibility for these late payments and deeply regret any inconvenience they may have caused.

I am pleased to inform you that I have since paid off the account in full and have taken significant steps to manage my finances more effectively. This experience has been a valuable lesson, and I am committed to maintaining a positive credit history going forward. 
I am currently in the process of preparing to purchase my first home, a significant milestone for me and my family. These late payments and eventual charge-off on my credit report are adversely affecting my credit score and my ability to secure a mortgage with favorable terms.

Given my efforts to rectify this situation, I kindly request that you consider removing the late payments and/or the charged-off status ( paid in full ) from my credit report as a goodwill gesture. This adjustment would greatly assist me in achieving my goal of homeownership and provide a fresh start as I move forward. 
For your reference, the account number used by the credit bureaus is XXXX. 
I sincerely appreciate your understanding and consideration of my request. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told/informed XXXX, XXXX, and Equifax to reinvestigate and or remove these accounts : - FRAUDULENT ACCOUNTS : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 15 U.S.C. 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 reasonable cause to believe that the information is inaccurate ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n, 15 U.S.C 1602p, 15 U.S.C 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had a negative report from XXXX XXXX XXXX  which was invalid. I disputed this with XXXX  and they agreed and deleted it from my credit report. This was under reference # XXXX Months later, the same amount appears as a negative report on my credit report, this time under a company called LVNV, XXXX XXXX with original creditor as XXXX XXXX XXXX. I have been trying, for months, to have LVNV correct this, with no success. Alternatively, I have also disputed this through XXXX  a couple of times and it had resulted as shown as updated and never any further, not deleted or removed, as it should be. I would like you to please review the proof in which the above reference # will show this was deleted from my report and clearly LVNV was sold this account in the meantime and now they have it back on my report when it should not be. Thanks for your time and review.
Product: Vehicle loan or lease

Was charged a extra months payment with late fees because the bank claimed they couldnt locate my payoff from the dealership.
Product: Credit card or prepaid card

Comenity Bank is claiming to have been uodating their system. Their XXXX claiming this came a day ago but other users across their bank have been complaining for weeks. There was no warning this update was coming. They are not responding on the phone and being vague in replies on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an XXXX XXXX account showing on my credit report. This has been on my Transunion Report since XXXX. I have since disputed this with BOTH companies. 

In XXXX, I filed a complaint with XXXX XXXX and they told me that they have removed this incorrect information from their end. 
However, this still persisted to appear on my Transunion credit report. I filed another dispute with Transunion ( have done it twice now ) and the results always come back suggesting that it is indeed my account. I have NEVER held an XXXX XXXX card or account ever in my life so I am not sure why this is appearing on my account in the first place. 

I called XXXX XXXX again ( XXXX ) trying to check why are they confirming Transunion that I have an account with them. They ran my social security, my address, and my name and told me that they have nothing associated with that name, address, or social. 

I am not sure what to do.