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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Erroneous Reporting on Credit Report - Violation of 15 U.S.C. 1681 Dear Sir/Madam, I am writing to express my deep concern and frustration regarding the inaccurate information present on my XXXX credit report. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I demand immediate action to rectify this matter in accordance with my rights outlined in 15 U.S.C. 1681. 
Upon reviewing my credit report, I was dismayed to discover that accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are still being reported, despite being rightfully removed by XXXX. This inconsistency in reporting is not only confusing but also damaging to my creditworthiness and financial standing. 
It is imperative to note that under 15 U.S.C. 1681, consumer reporting agencies such as XXXX are mandated to ensure the maximum possible accuracy of the information contained in consumer reports. The persistence of these erroneous entries on my XXXX report blatantly violates this federal law and undermines the integrity of the credit reporting system. 
I demand that XXXX promptly conducts a thorough investigation into the inaccuracies in my credit report and takes immediate action to remove the erroneous entries associated with XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX I also am providing proof from XXXX showing none existing accounts on my XXXX. Furthermore, I insist on receiving a written explanation detailing the steps taken to rectify this matter, as well as a revised credit report reflecting the accurate information in compliance with the FCRA. 
Failure to comply with these demands within the statutory timeframe will leave me no choice but to pursue legal action to enforce my rights under the FCRA, including seeking damages for the harm caused by XXXX negligent reporting practices. 
I trust that XXXX will handle this matter with the utmost urgency and professionalism. Your prompt attention to this dispute is greatly appreciated. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have tried to resolve this serval time in mail and through this portal so now I will be doing a notice of claim before going to arbitration. They answer with generic response and not addressing the issue. This is emotional stressing me out and causing me to lose sleep.
Product: Debt collection

I.C. Systems is reporting an over XXXX dollars collection account from XXXX XXXX. I repeatedly dispute this account with other collection companies and when they attempted to get the information from XXXX they could never obtain the information I.C. System is refusing to attempt to get the information from XXXX detailing what charges on the account total to the amount claiming I owed and refused to remove the information from my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX has incorrectly provided student loan payment, deferred, Forbearance, loan amounts, and VA XXXX XXXX information on credit reports. This is significantly effecting my credit reports and XXXX scores. 

This has been a systemic issue, hence the XX/XX/year> court case decision.
Product: Credit reporting or other personal consumer reports

I disputed accounts and inquires on XX/XX/2024 due to my information being exposed in multiple data breaches as well as uploaded my identity theft report and documentation supporting my disputes to XXXX and Experian. Experian and XXXX have sent via email that the information they had was accurate, verified and updated. They completely ignored my documentation and failed to comply with FCRA 15 U.S.C. 1681c-2 Section 605b within my disputes. I reached out to Experian and XXXX via phone to determine how the information was verified, and they stated, " We've updated the information based on the previous disputes that were put in for these accounts, nothing has changed. '' XXXX has removed the same accounts that Experian and XXXX are stating " verified and updated. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All have been removed from XXXX on XX/XX/XXXX and XXXX, XXXX. XXXX removed these accounts on XXXX, XXXX  and then added them back onto my report XXXX XXXX, XXXX  as a NEW account. Furthermore, I disputed the account XXXX XXXX XXXX due to Experian and XXXX furnishing a balance and past due after the account was closed causing my credit score to decrease drastically thus hindering me from obtaining credit. I also provided documentation showing the last statement with a {$0.00} balance following the account closure and the bureaus failed to update that account as Paid/Never Late.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem Am having with XXXX is that the Length of time these accounts have been on my credit profile has exceeded the Statue of limitations allowed. By LAW any accounts older than 7 years Need to be deleted off my credit report. These accounts have been on my credit report for 7 years and needs to be deleted right now because its violating my consumers rights
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states that consumer reporting agencies have " grave responsibilities '' and must exercise " fairness, impartiality, and respect for the consumers right to privacy. '' As the consumer, I have the right under 15 USC 6801 to ensure my private information is not improperly shared. This law states financial institutions have " an affirmative and continuing obligation to respect the privacy of its customers. '' As a financial institution under this definition, All Furnishers of MY PERSONAL PRIVATE Information MUST protect the " security and confidentiality '' of my nonpublic personal information. 

Furthermore, 15 USC 1681 section 604 ( a ) specifies consumer reporting agencies may only furnish a consumer report with " written instructions of the consumer. '' Equifax and XXXX, does NOT have my consent, verbal or written, to furnish this information NOR have they EVER obtained any consent from me the consumer. I hereby revoke any perceived, implied, or written consent. 

Finally, reasonable procedures must be maintained under 15 USC 1681e to avoid violations. As evidenced by the above, Equifax and XXXX have failed to uphold reasonable procedures regarding my account. 

As permitted by 12 CFR 1016.7, I am immediately opting out of further reporting services regarding this account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to investigate my disputes regarding inaccuracies in my credit report properly. Despite my submissions, Equifax consistently responds within 24 hours, stating that the account is accurate without providing 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. XXXX ) 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.
Product: Vehicle loan or lease

I am trying to pay off my car loan about 6 months early. Bank of America seems to purposely make paying off a loan difficult possibly in the hope that customers will make a mistake in paying it off and either continue to be charged interest or get nailed with an extra fee or fees. 

Every payment I 've made has been online. However, to make the final payment they require you to send them a physical check to a specific address and alter the check with your account number etc ... They do not offer you the option to pay online, it is not one of the options listed over the phone nor do they have any reasonable explanation for why any other financial transaction on the loan is able to be done online but they make the payoff difficult. 

Sending a check through the mail could have a delay, and if it takes a few days the customer is beyond the payoff quote date. This would mean that they have another few cents in interest. That in turn would turn into a large fee if the customer thinks they 've paid off the loan and does n't realize they 've added a XXXX cent charge. After 30 days you have a fee, after 60 it 's compounded until a customer could end up with hundreds of dollars in fees. Additionally, paying online would guarantee that everything is clear. Asking a customer to write their account number on a check is one more situation where the Bank can claim there was difficulty in reading the number and cause more delays. There is no other explanation but wanting to give a customer the possibility of racking up more fees, and to also discourage the customer from paying off a loan early for why B of A does not allow the same form of payment for the payoff it does for all other payments.
Product: Money transfer, virtual currency, or money service

Hi Good evening, my name is XXXX XXXX and I'm having issue with ( Binance.US ) I have a account with Binance.US for a long time and ever since then I have never break any of there rules and just last week ( XXXX, XXXX ) I added a funds from my XXXX  account in my name to my Binance.US account via ACH transfer and was successfully and the money got into my binance and I uses it to purchase a XXXX ASSET. Then and again about XXXX ago I try another {$700.00} ACH from my XXXX to Binance.US and I think XXXX reject that transaction thinking someone might be using my account without my consent and I think the ach was rejected by my bank and charges back occur with Binance.US and they locked me out of my account and I try to get a hold of customer service representative and they told me I need to make a selfie video of myself holding my driver 's license and also to recites some words that I made the transfer and all activities on my binance which I did just what they want and uploaded the video to them and also which I confirmed my location of login and the phone and XXXX XXXX  laptop I login with in the past 3 months, Just this morning after all this, they get back to me and tell me they will not allow me to uses the Binance.US services anymore and they won't be able to disclosed the reasons why and I'm having a sum of {$4900.00} on my account and now they are not replying me anymore and I'm thinking they wanted to play smart on me and stoled my funds because I'm yet to understand why they will denied me access to my assets even after providing the information they want. Please I need help because that money is my savings and now Binance.US wanted to rob me... Please help me. Thank you.
Product: Student loan

I have been paying back XXXX ' XXXX  which go back to XXXX. According to XXXX this loan is forgivable because of age. 
I have contacted Navient numerous times about their non-compliance with the lawsuit decisions. 
I finally wrote to XXXX XXXX, President and CEO, who turned my issue over to XXXX XXXX, Office of the Customer Advocate. 
Ms. XXXX agreed to stop telephone calls demanding payment, as well as mailings doing the same. She further agreed to work with me by sending application materials for loan forgiveness. I've never received the documentation, and telephone calls have been coming in hot and heavy under cover of anonymity, the latest being today, XX/XX/XXXX, at XXXX XXXX  XXXX. 
As I understand the decision in XXXX XXXX, this is not the kind of service I should be receiving.
Product: Debt collection

In have written this company once in regards to listing the accused debt several times as a collection. And needs to be removed, its causing my credit score to decrease.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX
Product: Debt collection

I am submitting this complaint regarding Halsted Financial Services LLCs improper and unauthorized communication with me concerning a debt collection matter for which I am not a co-signer or responsible party. On XX/XX/2025 Halsted Financial Services LLC contacted me via text messages regarding a debt they are attempting to collect from. However, I have no legal obligation to this debt, nor have I ever co-signed or agreed to be responsible for it. Their actions have caused undue stress, and I believe they have violated multiple consumer protection laws, including : 1. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( b ) : Under this law, a debt collector is prohibited from discussing or disclosing a consumers debt to a third party without permission. By texting me about this debt, Halsted Financial Services LLC improperly disclosed private financial information, violating the debtors right to privacy.

2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692d : The unwanted text message constitute harassment under the FDCPA, which prohibits condu
ct that is intended to annoy, abuse, or harass any person in connection with the collection of a debt.

3. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b : If Halsted Financial Services LLC obtained or used my contact information without my consent for purposes unrelated to my own credit obligations, this could be a violation of the FCRAs restrictions on accessing and using consumer information.

When I called the company to let them know I was not the party they had texted the information about the only thing they said was that they would take my number off of the profile for the debt they were trying to collect on, when my number should have never been affiliated to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a response from XXXX  ( XX/XX/XXXX ) where they say they updated the account information for XXXX XXXX XXXX  but ( XX/XX/XXXX ) XXXX  had already told me in writing they no " longer services the above-referenced returned account ''. 15 days before XXXX  stated they updated their reporting. Then again on XX/XX/XXXX XXXX said in a letter " they have been unable to locate an account ... '' How could XXXX have received updated information from a company that no longer had the account? This has to be a violation and while I'm seriously considering sending this to a consumer attorney I want this removed! This is hindering my ability to obtain credit. And Equifax is no better! When I asked for their method of verification the response was to contact the company providing the information. And the crazy thing is this account has a {$0.00} balance so what are they updating?
Product: Credit card

Dear Sirs, Mon. XXXX XXXX 2016 at XXXX Attached copies of American Express indicated I authorised XXXX XXXX to charge the subscription fees of {$99.00} on XXXX XXXX 2016. On XXXX/XXXX/2016 XXXX refunded this {$99.00} on receipt of my dispute. 
But on the same date of XXXX/XXXX/2016 XXXX charged me again without my authorization this {$99.00} it had refunded me and American Express honored this unauthorized charge of {$99.00} and paid XXXX XXXX. 
The proof I have produced here with is more than enough and disqualify both American Express and XXXX XXXX to question me or argue further in this matter. I would therefore demand both Amex and XXXX agree to correct their oversight error they both have committed on their parts and refund my {$99.00} immediately.. 
Should I fail to receive the refund of {$99.00} within 7 days from today, I will bring this matter to the attention of appropriate authorities. 
Yours truly.
Product: Debt collection

I have requested information on the debt from this company from XXXX XXXX, 2023- XXXX XXXX, 2023. They have not sent me any information regarding the debt. I have sent them letters and letters to the credit bureaus requesting information. They sent whatever they sent to the XXXX and have not received XXXX document from them. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service because of this, I have faced financial hardship and its been hard for me to purchase a home with this unverified debt on my report. This agency has also not made an update from XX/XX/2023 and can not verify the debt.
Product: Debt collection

I have been sending all of my payments through my electronic account via XXXX XXXX to Solar Mosaic Loan Services since the beginning of our loan in XX/XX/XXXX. 

They sent a report of a missed payment to the credit bureaus for XX/XX/XXXX. I did make my payment in XXXX to the XXXX XXXX office on XX/XX/XXXX ( and should have arrived by XX/XX/XXXX ) as we have done the entire time of the loan. I spoke with a Solar Mosaic representative in early XXXX as they called to tell me the payment had not been received. The money had already been taken out of our account to pay the XXXX payment and the representative said it could be delayed from the home office as the billing address has changed from XXXX XXXX, CA to XXXX, AZ. 

It wasn't until XX/XX/XXXX that we received our XXXX check payment of {$360.00} returned to our bank account and not until XX/XX/XXXX that we received the XXXX payment of {$360.00} returned from Solar Mosaic, at which we promptly brought the account current when we learned of the refunded money. This is clearly not within the 30 day grace period and should have never been reported to the credit bureaus for XXXX. We were never contacted that the payment was not being accepted or returned. I happened to look at my bank account when I realized there was more money than I expected. 

Included in this packet are two of the last payments that were accepted via XXXX XXXX to the XXXX XXXX office. As well as the pictures of our bank account proving we made the payment for XXXX, XXXX and demonstrating that those payments were returned by Solar Mosaic. 

We believe these are unfair business practices under the Fair Credit Reporting Act and this is directly affecting our credit score and our ability to secure a loan for a new home. We are asking that this be corrected on our credit score immediately. I have already requested this from Solar Mosaic and this was their response on XX/XX/XXXX : Thank you for contacting Mosaic, We understand you did send the payments, however, as we did not received them on time your account became delinquent, as such, we are unable to change the credit report we sent as we are obligated to report the accurate information. 

If you have any questions, please contact Mosaic Loan Servicing at ( XXXX ) XXXX? 
Our account is current and we have been outstanding customers through the life of the loan. 
Please call me as soon as possible at XXXX so that we can discuss this issue and determine the best way to resolve this. Thanks for your time and for working with us to create a positive outcome for this situation. 

Sincerely,
Product: Credit card or prepaid card

I had some XXXX XXXX XXXX charges which I did not order on DISCOVER card. XXXX agreed and started giving credits. Although credits were coming, I had paid full payment due as it was set up for autopay. Upon complaining they returned {$350.00} check. Now again they issued credit and sk me back {$350.00} when I have hardly used the card. Their security department just keeps sending me statements- ( see attached ) which do not make sense. 

I think card balance should be XXXX as I have paid for those services which I did not order from XXXX and DISCOVER issued me check. Whether credit comes from XXXX or DIScover later is not my concern. Why make me pay again and nullify credit? Second issue is of Inmotionhosting dispute- which you can find I addresed in attached letter to DISCOVER. Please write to me at XXXX XXXX, XXXX XXXX, CA XXXX, XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My Kohls Capital One account is reporting a late payment I ask they please remove. Very recently I was out on work as I am a XXXX XXXX. I had been driving this entire month and my wife was having issues logging to my kohls account to make my credit card payment so I told her that I would go ahead and make it. I had gone online and made that payment, however, sometimes I am in areas with very spotty connection. I was under the impression payment had gone through and went on about my day but a few weeks later I noticed a late payment. I have never been late in my life before and this was a very off month for me. I never intended to be late and this is very unusual for me but in all honestly I did think the payment was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Equipment Leasing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Truck Dealers Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX and XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Truck Dealers Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Report Brokers Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX ftc violations XXXX {$440.00} Closed XXXX charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving Charge Account Balance on XX/XX/XXXX Credit Limit {$440.00} {$300.00} XXXX XXXX XXXX {$0.00} Closed 2 late payments Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Lease