23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX XXXX and Account # XXXX Account name : XXXX XXXXXXXX XXXX XXXX and Account # XXXX Account name : XXXX XXXXXXXX XXXX XXXX and Account # XXXX Account name : XXXXXXXX XXXX  and account # XXXX Account name : XXXX XXXX  and 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 furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information regarding a debt collection reported on my credit report. My records and subsequent verification attempts indicate that this debt is no longer with the collection agency listed on my report, and as such, should not be reflected in my credit history. Not only that, the debt that is alleged is not at all owed by me as I legally breached a residential lease agreement, under Texas Property Code Sections 92.056 and 92.0561. I also left notice with the landlord, original creditor, XXXX XXXX XXXX. ( See attachments ). 

Please find the following details relevant to this dispute : Collection Company Reporting on My Credit Report : XXXX XXXX XXXX ( XXXX  ) Original Creditor : XXXX XXXX XXXX Since the day this inaccurate collection account hit my credit report, XX/XX/2024, I have reached out to Experian and the collection company, XXXX regarding the fact that the debt is not owed by me nor is it the least bit accurate. I received mail correspondence from Experian on XX/XX/2024 stating that they had validated the debt and verified it to be accurate. The problem with this statement is that they did not nor did they provide verification as to how the debt is owed as requested in my prior letters to them. I mailed all of my correspondence proving this debt is not owed by me and yet this invalidated and inaccurate account is still on my credit report. I've also provided all documentation directly to XXXX XXXX XXXX via mail on XXXX separate occasions and no further action has been taken. I've been getting the complete run around. On or around, XX/XX/2024, the 30 day time period had passed from the date I mailed my last correspondence to them. And, I still hadn't received any notification from them about ceasing all collection efforts and removing the inaccurate collection account from my credit reports as a result of the evidence I'd mailed them. 

During my call, I was simply told that they can no longer discuss the alleged debt with me because they were no longer collecting it and it had been referred out to another firm. 

Therefore, its continued presence on my credit report is not only inaccurate but defamation of character and erroneous in nature. Experian has done me a complete disservice in not properly investigating this debt on my behalf. 

In accordance with the Fair Credit Reporting Act, I am requesting that this item be removed from my credit report immediately as soon as possible since XXXX XXXX XXXX is not the company attempting to collect the debt. Please find attached copies of any documents that support my position. 

I request a written confirmation of the receipt of this letter within five business days, along with removal of the account from my consumer credit reports. Please inform me of the outcome of your investigation at your earliest convenience. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i reached out to Transunion about inquiries on my credit file that were not authorized and they they never got back to me and the inquiries are still showing on my report and need to be removed asap XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In XXXX  Ive had an XXXX XXXX visit and months without works due to my diagnosis months later I Got a VERY long hospital bill that I couldnt pay so it went to collections CASCADE CAPITAL FUNDING , LLC got in touch with me very rude and hostile almost yelling at me through the phone that I owed them money and that I needed to set up a payment plan so I did payments of XXXX $ a month but every other day I would get harassed with phone calls by different people working for CASCADE that I owed a different amount then what I was I told a few days prior asking for money up front even after I told them that I already have a payment plan set up so I stopped making payments because nothing seemed ethical, Ive been getting phone calls, Texts and emails for 2 years straight with no end. they keep flagging my credit account and ruining my credit with all the collections I have by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Vehicle loan or lease

First OFF MY NAME WAS USED IN A CO SIGN ON THIS VEHICLE WHICH WAS IN A CAR ACCIDENT AND WAS WREKED CREDIT ACCEPTANCE CAME AND GOT THE CAR THEY SELF NEVER SAID ANYTHING BESIDES I CAN PAY THEM LIKE XXXX $ SO HOW THEY SEMD ME A LETTER SAYING I BASICALLY OWE NOTHING BUT ON MY REPORT ITS XXXX this is false information reported on my report and I need it removed immediately
Product: Checking or savings account

Summary : I successfully opened Citibank checking and savings accounts, received email notifications, and a debit card. I deposited the majority of my salary and savings into these accounts. When I attempted to make a payment transfer, Citibank, without any prompt notification, locked my accounts. This has rendered me unable to cover my essential living expenses in a timely manner.

Citibank 's Proposed Solutions : ( 1 ) Visit a branch to discuss the issue.

( 2 ) Wait for at least 3-4 months for them to close my accounts completely and mail a check to me.

Reasons Why These Solutions Are Unreasonable : ( 1 ) I have evidence proving the legality of my funds, but Citibank decided to close my accounts without consulting me for this evidence.

( 2 ) Despite informing customer service that the transfer was initiated by me and successfully passing security verification, Citibank still froze my account citing suspicious activity.

( 3 ) Waiting for a check for 3-4 months means I would be unable to access most of my funds, making it impossible to pay credit card bills, rent, and affecting my credit score significantly. Additionally, there is a risk of the check getting lost in the mail, leading to a potential loss of funds.

( 4 ) I reside in a state that has no Citibank branches. This solution would require me to incur travel and accommodation expenses to another state, which Citibank refuses to cover, forcing me to spend money to reclaim my own funds.
Product: Credit card

On XX/XX/2023, I purchased XXXX XXXX XXXX tickets for {$450.00} each using my Chase XXXX XXXX XXXX card. While still on the call, with XXXX XXXX, I cancelled that transaction. XXXX XXXX charged my card for XXXX tickets and credited back for XXXX leaving a balance of {$900.00} ( $ XXXX XXXX ). I disputed these charges repeatedly with both XXXX XXXX and Chase. Over a period of 6 months, the charges have been temporarily removed and then added back several times. Most recently, Chase has credited my account {$450.00}. However, they refuse to credit the remaining {$450.00}. The last document from Chase states I have not shown the service was not provided. At this point, I have no airline ticket and yet I still show a balance of {$450.00}. I have explained this repeatedly to Chase and XXXX XXXX but while I have gotten credit for XXXX tickets, I can not get them to credit the last which never should have been billed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and thank you for your assistance in this matter. I am a victim of Transunion 's " inquiry issue.I called Customer Service at Transunion and shared with them how 3 inquiries showed back up on my credit report and they kept telling me I needed to get a letter of deletion from the creditors. I explained to them I shouldn't have to and then I asked them to please investigate it and she said no I need the letter of deletion from the 3 creditors first. PLEASE HELP.

the 3 creditors are : XXXX XXXX XXXX XXXX XXXX XXXX card services
Product: Checking or savings account

The week of XX/XX/XXXX i phoned USAA to ask what was the best way to set up a Bill Pay and have a live checked mailed to the USAA Branch for deposit into another USAA Members Bank Account. The representative advised me to make the payment payable to USAA Federal Savings Bank with the address of XXXX XXXX XXXX XXXX XXXX, TX XXXX, which i did. On Friday XX/XX/XXXX I scheduled a Bill Pay of {$500.00} to this Members account for deposit, which was, by no fault of mine, sent to the wrong line of business within USAA, This money was sent to USAA Property and Casualty electronically, instead of being sent to USAA Federal Savings Bank in check form as i put on the Bill Pay Instructions and now these funds are lost. I called Saturday XX/XX/XXXX and explained all this and the representative started a dispute, my account has yet to be credited. This was not my error and I should not be suffering and out {$500.00} while USAA researches their mistake! As of XX/XX/XXXX, I still have yet to hear anything so, I submitted a second dispute on USAA.Com and called after and spoke to a supervisor named XXXX at ext XXXX who assured me I would receive a temp credit while the dispute is processed and i would received that within the next day or two and it is now 3 days later and I still do not have a credit on my account. I have been calling XXXX for the last 2 days and have not received a call back from her.
Product: Credit reporting or other personal consumer reports

Earlier this afternoon I submitted a complaint against the 3 credit bureaus on this platform XXXX, XXXX, and Transunion it has not even been 24 hrs and XXXX has already removed All accounts after receiving notification from you guys and my dispute request. XXXX, And Transunion have not responded at all even though the said the disputes are deleted I have not seen a reflection in my credit score or from the creditors showing all parties have completed removed any negative remarks from all accounts
Product: Credit reporting or other personal consumer reports

Heres a quick summary of what happened you can include in your letters or for context : I requested XXXX XXXX XXXX provide documentation regarding an account in dispute ( Account # XXXX ). Initially, the company refused to provide auction receipts, stating they could not disclose the information. However, after filing a complaint with the CFPB, the company contradicted their earlier statements, acknowledged my request, and provided the auction proceeds. 

This demonstrates a lack of transparency and raises concerns about the reliability of their reporting practices. I am disputing this accounts accuracy and fairness and requesting its removal from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX Credit Bureau letters to dispute XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX  and XXXX on XX/XX/XXXX to get these accounts removed from my credit profile as they are not mine. I have no knowledge of these accounts. My information has been leaked through the dark web. I have disputed online, over the phone multiple times and sent in letters to XXXX and they refuse to remove it from my profile. I have spoken to agents from XXXX where they have stated that they don't require these creditors to send any type of proof. It is my right under the fair credit act that these accounts send me proof and or verification. These accounts were opened in fraud and I want them removed from my profile as it has been over 30 days. I have made the same complaints with the CFPB and still have not received any information in regards to my complaints.
Product: Consumer Loan

A XXXX XXXX from Pioneer Recovery Services ( XXXX ) has called at least XXXX co-workers -- on their cell phones -- which is in direct violation of the Fair Credit Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reports " There is a serious delinquency on my credit report '' For two years I have been trying to get a correction, I have never missed or been late with any account, Equifax just ignores my efforts to get a correction. All my accounts have perfect pmt records.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX NA XX/XX/2022 These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

My ex-husband used my name to co-sign the apartment lease and stopped paying. The account became delinquent. He finally paid the leasing company the discounted amount they offered before sending the account to collections. 

They verified via email that the account was paid off before it was sent to collections, but refused to mark it as such. It appears as a collection on my credit report. 

I believe this account should be removed from my report completely as I never lived in the apartment and never knowingly agreed or have been notified about the past due amount before it reached {$9000.00}. 
If the account is to stay on my report it should not show as a collection, as it was never sent to collection agency and was paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

CB/VICSCRT is in my credit report and shows that I have late payments in my history, which I am disappointed because I know that I pay my dues on time. The dates that they said I am late are XXXX, XXXX, XXXX, XXXX, XX/XX/2019 this might be that billing did not get to me on time or I did not recieved it at all. Please help me.
Product: Credit card or prepaid card

On XX/XX/2022, i woke up to check my email as i usually do and come to find out it said my account balance is low. So i went to check my account and an atm withdrawal was made at XXXX XXXX  of {$300.00}. I call chime immediately and explain the situation. They cancel my current card but tell me to wait til the transaction settles in order to open a dispute. The next day i check my account and the transaction is settled so i immediately call once again. They started the dispute and i patiently waited for the results. Within two hours i get an email saying that the investigation has been completed and that they see no error. I get upset and call back and the representative tells me to reply to their email and send in supporting documents or anything that can help me get my money back. When replying to the email, I stated that i have not made an atm withdrawal over {$40.00} ever, that my transactions only take place from XXXX XXXX  to XXXX XXXX  when im outside for work and only occur within the XXXX or XXXX. I sent them pictures of my transactions that showed time and location. I also stated that i do not be up at XXXX XXXX  and have video evidence of me not leaving the house at anytime of the night. Even after all this, they still find no error. I want my money refunded. My card information was probably stolen from one the atms i used to buy food from a XXXX store. I want my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

under 15 USC 1681. 
Account name : XXXX acct # XXXX Account name : XXXX acct # 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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Credit reporting or other personal consumer reports

Good day, please take this complaint seriously - can't stress enough how frustrated I am and how distressful writing this is. Upon checking of my credit report, it has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing down on me and is continuing to affect me negatively in ways you can not begin to imagine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to explain that these accounts are fraudulent, INACCURATE. To further explain, I have been away from my home for over a year and a half. I have a traveling career. With that being said, I do am away from my home for several months at a time. My home was broken into while I was away. My personal information was taken from me ( Social security card, passport, duplicate of drivers license, along with other items within my home ). This was brought to my attention due to not only my belongings being missing, but also because my credit has taken a DRASTIC change. Several accounts were opened by using my identity. I have tried disputing these errors several times. I do not know what to do anymore. I have worked very hard for what I have and worked hard to make sure that I did not live my life full of debt. My credit score has been RUINED due to some pathetic CRIMINAL!!! I am taking the fall for it. If that was not stressful and hectic enough, now my XXXX file is saying that I am DECEASED!!! I am not sure if someone has a similar name or has stolen my identity. I NEED THIS FIXED AS SOON AS POSSIBLE!!!!!!! PLEASE help. 
The following accounts ARE mine : XXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXXXXXX ( opened XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX  ( opened XX/XX/XXXX ), XXXX XXXX XXXX ( opened XX/XX/XXXX and closed XX/XX/XXXX ). XXXX XXXX  ( However, this card was stolen and has over {$3000.00} worth of fraudulent charges ). XXXX ( However, this card was stolen and has over {$2000.00} of fraudulent charges ) Again, these accounts listed above ARE mine. 
The following accounts ARE NOT MINE and have been opened without my knowledge/ approval. XXXX, XXXX, and multiple XXXX  accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information below are hurting my credit file and its due to identity theft, delete immediately, attached is the ftc report. 

Delete these inquiries XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 Address XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Account XXXX XXXX XXXX Find Attached FTC Report
Product: Payday loan, title loan, or personal loan

My name is XXXX XXXX and I live in XXXX, Delaware. Im currently on Social Security XXXX Benefits and I came across WiseLoans online in order to borrow some money until my next pay period. 

I was not made aware of the astronomical percentage rate for this loan which is 748.59 % APR. I only receive $ XXXX social security XXXX benefits and I have many other bills and expenses to cover every month. 

I feel that I was strongly taken advantage of by WiseLoans who did not present a clear loan agreement until AFTER I had signed all of the documentation. This is a textbook example of predatory lending.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXXXXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXX, XXXX acct # XXXXXXXX XXXX XXXX XXXX acct XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXT XXXX acct # XXXXXXXX XXXX  acct # XXXX, XXXX XXXXXXXX XXXX acct # XXXX.
Product: Credit card or prepaid card

I had my account frozen about XXXX and a half weeks ago I was told to fax in docs I did that but still frozen
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2025 there were multiple fraudulent attempts to apply for credit cards under my name. The companies processing these applications included XXXX XXXX, XXXX, and XXXX XXXX. In an effort to verify eligibility the credit bureaus placed hard credit checks which negatively impacted ( reduced ) my credit score. While the cards were not issued, because of freezes on some of my credit reports, the score reduction is reflected in my accounts for TransUnion and XXXX ( where I did not previously have freezes in place ). Subsequent to this event, I placed freezes on my accounts with all the credit bureaus to prevent similar fraudulent activity in the future. I request that the hard credit checks be removed from any impacted credit report with the three bureaus ( XXXX, XXXX, TransUnion ) to restore my credit rating and to prevent my having to wait two years for them to drop off -- as these impacts were the result of fraud. TransUnion instructed me to file a report to start the removal process.