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

Dear Early Warning Services, I XXXX XXXX XXXX XXXX am writing to formally dispute the continued reporting of the account referenced under Dispute Case ID : XXXX and my Consumer # : XXXX. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( b ), any information previously deleted from a consumers report can not be reinserted unless certain stringent procedures are followed. These include notifying me within five business days of reinserting any disputed information and providing evidence of the investigation conducted, along with the contact information of the person who verified the accuracy of the account. 
I have not received any such notification or valid verification. As a result, your reinsertion of this account without adhering to the required legal process is a violation of my rights under the FCRA. I am kindly requesting that you immediately delete this account from my report, as the information is inaccurate and its continued presence on my records is unlawful. 
Additionally, as stated under Section 604 ( c ) of the FCRA, which governs permissible purposes for accessing and reporting consumer information, your actions also violate my rights as a consumer. I have not authorized or consented to the continued reporting of this account, and you do not have a permissible purpose to do so.

I am documenting every instance where Early Warning Services delays or stalls in resolving this dispute. If this account is not promptly removed, I will have no choice but to pursue legal action for violations of the FCRA, for which I may seek statutory damages of up to {$1000.00} for each instance of non-compliance. 
I kindly ask that you respect my rights as a consumer and promptly delete this information from my report. Please confirm the deletion in writing within the legally mandated timeframe. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

This debt was paid when wages were garnished beach in 2019. I received a letter from the court stating it was paid in full. They have now come back twice trying to garnish again over the same debt. 
They are saying {$1500.00} are owed that was all paid already. I called many times and I have been put on hold. This is ruining my credit and my health. I need this to be settled.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX had westllake profolio /Westlake financial deleted off my report multiple times cause it submitted information stating it was added igellay and sold to debt collector company with my concent started years XXXX and on my report states it was open XXXX with westlake financial in fact it was not, it was open XXXX with Us Auto sales instead, so all info on one attachment shows False and information on the company i signed Paperwork with.. need help deleting completely off XXXX as late payment harassing me once again, a year later.
Product: Credit card

I paid off an outstanding account in full with XXXX credit card. I have asked the company to update my credit report and that they provide me with a letter stating that all the accounts I had with XXXX were closed and paid in full. I have made XXXX phone calls so far and have been unable to get a letter or any results. I had XXXX accounts with XXXX. They keep sending me the same letter for XXXX account but not for both of the accounts especially the XXXX account I paid off that is still showing on my credit report. I called today to report that they only sent me XXXX copies for the same exact account and that I would need a letter for the other account. The XXXX person said I needed to be transferred and disconnect the call. The XXXX person would not give me his name was XXXX with reference number XXXX. After taking all of my personal account information he stated that he was able to review my account letters and saw that XXXX were mailed out. I informed him that they keep sending me the same letter for XXXX account number and needed XXXX different letters XXXX for each separate account I had. He then stated he could not hear me and disconnected the call. This has been going on for over a month at this point and I still do not have the letter I need to get this removed from my credit report, since XXXX keeps stating I need proof it was paid. Please help to get this resolved.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Accounts XXXX XXXX XXXX  NA Account number XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX NA Account number XXXX Date opened XX/XX/XXXX Balance {$0.00} N/A Account number XXXX Date opened XX/XX/XXXX Balance {$580.00} XXXXXXXX XXXX XXXX XXXX  NA Account number XXXX XXXX opened XX/XX/XXXX Balance {$0.00}
Product: Debt collection

This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962el ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary, This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
PLEASE REMOVE AT ONCE. 

XXXX XXXX XXXX Opened XXXX Closed XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX $ Status/ Account charged off. {$130.00} written off pass due as of XX/XX/XXXX XXXX XXXX XXXX Potentially Negative Date XXXX Balance XXXX Status/Paid, Closed XXXX Bank XXXX XXXXPotentially Negative Date Opened XX/XX/XXXX Balance {$2.00} Status/Account charged XXXX $ written off. {$2.00} past due as of XXXX XXXX XXXX XXXX XXXX  /Pontentially Negative Balance - Status Paid/Closed date Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$650.00} Status/ Account charged off. {$450.00} written off. $ XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$910.00} Status/Collection Account. {$910.00} past due XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$370.00} Status/Account Charged off. {$250.00} XXXX {$370.00} pa XXXX XXXX XXXX XXXX {$100.00} Status /Closed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnished a account without my written instructions 15 USC 1666B- A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose
Product: Credit card

Discover denied me for a credit card which is discrimination but they based it off of a XXXX  that is inaccurate. I contacted XXXX and XXXX to get this information removed and they stated they did.
Product: Credit card or prepaid card

We purchased merchandise and financed it for 0 % interest for 60 months. The credit card statement reads, in relevant part If you make only the minimum payment each period, you will pay more in interest. This language is required by regulation. However, it is false in this case as the interest will the same if we pay 60 equal payments or pay more with any of the payments. The language almost induced us to pay more than the minimum, which of course would make the cost to the bank less for supporting their 60 month no interest offer. In this situation the bank should add language that does not mislead people to paying off no interest loans early. 

Bank is TD Bank , N.A . Credit card is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this personal statement is being written by me. The Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling a reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/24 I informed Netcredit that I was being represented by an attorney regarding this debt. I gave them the name and address of the attorney via phone and email. I was told by Netcredit that I needed to get power of attorney for them to speak with my attorney regarding this debt. My attorney informed me that according to FDCPA 15 USC 1692 c 804 ( 6 ) and 805 ( 2 ) and Florida Statute 559.72 ( 18 ) that all I need to do is provide them the attorney information. This is not a bankruptcy attorney nor a debt consolidation attorney. This is a personal consumer rights attorney. They must direct further collections to him.
Product: Credit card

I opened an account in order to do a balance transfer from a Citibank card to XXXX XXXX. I attempted the transfer online but it did n't seem to work and I never received a confirmation from XXXX XXXX. I contacted them and did the transfer over the phone a day or XXXX later. The transfer took place but I noticed a negative balance on Citibank. It turns out the first transfer was processed. I have contacted Citibank to get a credit to my bank account to set everything straight. Citibank said the credit would happen in 3-5 days but it has now been 10 days. I contacted them again and now they are saying it will be two weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i paid main financial on XX/XX/2021 i always pay at the end of the month due to how my pay falls however it seemed online posted my payment on XX/XX/XXXX, and this is not my fault please remove this 30 days because this is reporting incorrecty. This was a online system gliche. I never had a 30 day at all
Product: Money transfer, virtual currency, or money service

Between XX/XX/XXXX and XX/XX/XXXX, PayPal exhibited abusive behavior repeatedly without any provocation, despite numerous attempts on my part to find resolution. 
During the span of XXXX week, PayPal intercepted XXXX separate, legally acceptable business transactions, which directly impacted the daily operations of the business, as well as froze all assets in the business account. 
Holds were placed on standard money transfer transaction, and/or returned to sender in a manner that Implied that my company engages in illegal activity. This ultimately lead to the customer canceling all upcoming projects ( totaling {$9000.00} ) due to new concerns. During this time, over XXXX hours were spent with PayPal customer service during working hours to resolve the issue
Product: Debt collection

This is Unifin, a debt collector. We have an important message regarding your XXXX balance {$280.00}. If this is a mistake, report : XXXX XXXX XXXX  Reference # : XXXX Call us at XXXX or Self-service : XXXX XXXX XXXX Reply STOP to opt-out I keep getting these texts.. I have never had a XXXX account. Any time I ask for info they hang up on me.
Product: Money transfer, virtual currency, or money service

L I am writing to formally document an incident of fraud involving my Cash App account. Despite my best efforts, I have been unable to recover my funds. 

In early XX/XX/2025, I discovered unauthorized transactions on my Cash App account totaling {$4500.00}. I immediately contacted Cash Apps customer service and followed their procedures to dispute the fraudulent charges. Unfortunately, after multiple attempts, I was advised to escalate the issue to XXXX XXXX XXXXXXXX for further assistance. 

Upon contacting XXXX XXXX XXXX, I was informed that they were unable to resolve the issue or recover the funds. This has left me without a solution, despite following the appropriate steps and providing all necessary information. 

The situation has caused significant financial distress, and I seek assistance or any guidance available to help resolve this matter. I am requesting that a formal investigation be conducted into this fraudulent activity to recover my funds. 

Please feel free to contact me for any further information or documentation required. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.,
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Experian Credit Reports and need to update immediately : XXXX XXXX Balance Owed : $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  Balance XXXX {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 several items on the report that are inaccurate. The accounts in question are listed below. I sent letter off on XXXX XXXX ; I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letter I sent out and here. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be verified or removed immediately. 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

On removal of the above noted accounts please provide me with a copy of an updated and corrected copy of my credit report showing that these accounts have been removed. Thanking you in advance for your anticipated quick co-operation on this matter. 
Thank you,
Product: Debt collection

XXXX XXXX has made several calls to my place of employment even after I left her a voicemail asking her not to do so and to call my personal cell phone. I called to make a payment and she never returned my call. She is a rude person and a bane to humanity.
Product: Credit reporting, credit repair services, or other personal consumer reports

A extra last name is on my background which is causing a accuracy about my identity and my livelihood please remove the extra last name I provided my first certificate my driver license and my high school diploma to prove that I dont have two last names
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had both my first and last name is misspelled in their records.. I submitted a correction to them and they opened a " Dispute ''. They continually send me emails telling me that they have completed my dispute and inviting me to see the result. When I try to see the result on line, their log in and verification process is so cumbersome that I can not access the report. when I call their customer service line, they send me to a third party representative in the XXXX. When I ask to speak to an American customer service agent they eventually ( after arguing with me ) send me to a surely XXXX who gives me a hard time and then hangs up on me.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Debt collection

XX/XX/21 Franklin Collection Inc keeps calling but leaves no message.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting that it is late. Balance is reporting {$920.00} and the balance is currently is {$580.00}. I dispute it multiple time with XXXX
Product: Student loan

My loans were previously serviced by XXXX. When I attempted to see what my payment plan options were the cheapest option they provided was extended repayment. It was n't until later that I learned that I was eligible for income based plans. It harmed me long term because I qualify for the Public Service Loan Forgiveness program and lost months of eligibility due to paying into the extended payment option ( they are n't qualifying payments ). I not only payed nearly double monthly, but will pay for a longer term as well. I have since transferred my loans to XXXX and have an IBR plan.