23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

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, has violated my rights. 

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

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.

This company told the CFPB that they followed procedures an provided correct information which was not proof of verification and validation the account they only mailed me a copy of a credit card bill that supposedly had my name on it. They did not showed me any documents were I signed a contract or made any business arrangements with them which is another violation of the FCRA laws. 
Down below are the documents they mailed me and me also showing how they reporting inaccurate inaccurate on my credit file which is damaging my credit and my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir, My dispute claim was turned down on the reason that the Company certified that the Payment report to be true. I sent a second dispute request proving that the data is FALSE! 
Here is my 3rd dispute and, if not accepted, I'll see them in court. 

Payment history guide 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX 1. XX/XX/XXXX report shows the balance at {$28000.00}. 
2. XX/XX/XXXX report shows that the full amount of {$28000.00} was paid. 
3. XXXX, XXXX, XX/XX/XXXX reports show {$0.00} paid and yet the payment history show no late payment status. 
4. XXXX and XXXX history are the SAME and yet they show 30 and 60days late!! 
These are the FALSE statements. 
5. In XXXX, I received a notice that they received full payment. 

Balance history XXXX XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$28000.00} Paid on XX/XX/XXXX XX/XX/XXXX {$28000.00} Balance {$0.00} Schedule payment {$0.00} Paid The original amount of this account was {$28000.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX FL XXXX XXXX, CA XXXX Your statement NEVER LATE, ACCOUNT WAS PAID AS AGREED. 



Please take immediate action and correct my status. 

Thanks, XXXX XXXX
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 XXXXXXXX has me at a score around XXXX  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 severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Iam filling complaint against equifax for falling to properly investigate my dispute regarding inaccuracies in my credit report despite my submissions Equifax consistently responds 24 hours stating the acount is accurate without providing any 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.2025-CFPB-0002 ) against them for similar violations. I requested that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I wrote XXXX that XXXX XXXX XXXX was charging me for fraudulent charges on my card XXXX and that I refused to pay them. I sent XXXX 60 pages of evidence supporting my claim. XXXX had, nevertheless, damaged my credit rating for refusing to pay fraudulent charges.
Product: Credit card

Please review the attached documents. I urge the bureau to begin an investigation into these accounts, as I am consistently on time, and yet they are being inaccurately reported.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a purchase at Home Depot amounting {$41.00} after a discount for applying for a Home Depot credit card. I discussed with the clerk agent what mail address I should use. I was a XXXX XXXX resident becoming a snow bird in XXXX. We both agreed that it would be best to use my permanent XXXX XXXX address so I would not have to change it with the Credit Card company twice a year and mail would still be forwarded by the XXXX  XXXX   Post office to my XXXX home in time to receive my monthly statements long before payment would be due. I received a letter from HDCS dated XX/XX/XXXX to welcome me that my account had been approved. This letter was addressed to my XXXX XXXX address and forwarded by the post office to my XXXX  winter home. 
Using the purchase receipt I made another purchase at Home Depot on XX/XX/XXXX ( {$150.00} ) and another on XX/XX/XXXX ( {$14.00} ). On XX/XX/XXXX I received a billing statement for {$41.00} that was addressed to my XXXX  XXXX   home address and forwarded by the post office to my XXXX  address. This was paid right away. On XX/XX/XXXX I received a phone text message to Contact Home Depot Credit Services as why they did not receive payment. I called them and had 3 or 4 different conversations some of those calls were made by them. They said I owed for the {$150.00} and {$14.00} and finance charges. I did not get their billing statement because they sent them to my XXXX XXXX address with the envelope stating " DO NOT FORWARD ''. I requested they send a copy of the billing statement to my my XXXX address so I could see the charges but I would only be paying for the for the purchases and not fees. This person said she did not have authority to reduce fees. I asked to talk to her supervisor. Her supervisor said she did not have authority do reduce fees. I asked to talk to someone who had that authority she said there was no one. 
I sent HDCS a letter on XX/XX/XXXX with a check for my purchases ( {$170.00} ) less late charges stating that we both know I do not owe late charges for your intentionally not sending me account statements by having envelopes marked " DO NOT FORWARD ''. The check on both the front note area and top of the endorsement side said '' ACCOUNT PAID IN FULL ''. The check was cashed turning it into a ACH payment so my bank or my bill pay account can not make a copy. I continue receiving statement adding monthly charges. On XX/XX/XXXX I wrote to HDCS requesting my account be closed and they forward to me the agreement I signed when the first purchase was made and a copy of the check dated XX/XX/XXXX. I received a letter that my account will be closed but nothing was said about the check or signed agreement. I continue to get monthly statements with additional monthly fees. I hope you have the ability to correct this for me and prevent it from happening to others. 
One address for HDCS is XXXX XXXX XXXX XXXX, XXXX  XXXX. I believe the actual creditor is Citybank, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'd like to formally seek proper guidance and assistance to secure that the information reporting on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there is an item that is misleading and incomplete. Therefore, I request that you investigate this item. The payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the XXXX XXXX XXXX XXXX customer service representative XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Radius Global Solutions has called many times and from many numbers. XXXX was the latest. They call asking for personal information concerning a debt collection. It is usually a person very hard to understand due to an accent. They will not say what the debt is for. When asked they will not send mail containing the debt information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was marked a late payment by Hyundai Motor finance for mileage overage fees however i had an agreement with them for he remaining balance as I affected by XXXX XXXX. Under the Cares act they should not have reported this late payment since I was affected by a natural disaster.
Product: Credit reporting or other personal consumer reports

Fraudulent collection accounts XXXX XXXX Opened XX/XX/XXXX {$0.00} Fraudulent unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX You are required to remove this inaccurate information immediately, as mandated by U.S. Code 605B, without subjecting my dispute to a 30-day investigation. Under this law, inaccuracies related to identity theft must be blocked or deleted promptly upon receipt of appropriate documentation, and I fully expect compliance with this legal obligation.

My information may have been impacted by the Equifax, XXXX and XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt. 
3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately.

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter.

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution. 

This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Again, You are required to remove this inaccurate information immediately, as mandated by U.S. Code 605B, without subjecting my dispute to a 30-day investigation. Under this law, inaccuracies related to identity theft must be blocked or deleted promptly upon receipt of appropriate documentation, and I fully expect compliance with this legal obligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion should not be reporting a collection/charge in the amount of {$610.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The account originated with XXXX. This account is well over ( 7 ) years old and it is a violation of the Fair Credit Reporting Act to not reflect accurate information on a credit report. This false reporting of a collection/chargeoff account that exceeds the time frame to report is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been XXXX for 5 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries on my credit report that i wish to be removed : 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. All the above inquiries is unauthorized and should be disputed from my XXXX Report and all 3 Credit Bureaus XXXX Equifax And XXXX Under the laws of the FCRA these unauthorized inquiries and accounts must be removed
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had fraudulet account on my report.Please remove these accouts from my report they are hurting my ability to obtain credit XXXX XXXX XXXX
Product: Student loan

I attended XXXX XXXX University to further my education after High School. I was a first time generation college student in my family and I was unable to afford my college education without student loans. I looked into Sallie Mae and they assured me they would work with me once I was graduated. Instead of explaining that it is better to take our yearly loans, they told me semester loans would be the best. After XXXX college, I had XXXX separate loans at Sallie Mae at 9 % interest a piece. I sent in XXXX monthly payments of {$25.00} for XXXX loans to lower my interest rate during college. However, for XXXX years, my mother and I were harrassed by the company for " not paying the payments on time '' even though my mom sent checks every month. My mother works at our bank and has copies of all checks sent to Sallie Mae with the dates written and when they were cashed by Sallie Mae. In XXXX of 2015, XXXX sent back only ONE of my XXXX payments and said I did not have any loans with them. How XXXX check of XXXX, that were mailed in the same envelope, got returned I will never understand. I have been charged a late fee for that, even though our XXXX checks had been cashed. Then, I came to realize that for the XXXX years we were being harrassed. My loan payments were being applied to all the wrong loans after months of promises that it was fixed for good this time. Because of Sallie Mae wrongly applying my loans, I was the one pentalized with a late fee. I have called for help on my payments and they are not helping me at all. They said my XXXX payments could equal up to {$1300.00} a month and I am currently earning {$1100.00} a month. Sallie Mae harrassed my mother and I at our work places, even after those numbers were put on a " NO CALL LIST '' and we almost lost our jobs as a result.
Product: Credit reporting or other personal consumer reports

Basically I checked my credit on the XXXX mobile and I seen my credit score dropped by a lot. The name of the credit/lender that was responsible for fake debt collection is XXXX XXXX  and I did some research, found out that they're are fake debt collection agency. Seen people review them online saying they are getting hit with random hard inquiries with high amounts of fake debt owed to them. I don't recognize this company or the collection/account opened on my credit report/activity. This is a fraudulent inquiry and can you guys please remove this off my credit report, I plan on buying a house eventually. It appears as XXXX XXXX XXXX - XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX on XX/XX/2020 because they had reported fraud to my XXXX XXXX report. They informed me I owed them no money so I asked why wear I reported for fraud? They hung up in my face. I repeated them to the CFPB on XX/XX/2020. A rep from XXXX ( XXXX XXXX ) emailed me on XX/XX/2020 and said to get in contact with her. I tried with no avail! Left voicemails until her mailbox was full only to be emailed that my investigation was closed even though no one contacted me.
Product: Mortgage

USBank provided me a construction loan. 

1. they failed to provide online banking for review of statements or making payments. I was told in the enrollment process that online banking was available. I had to rely on paper statements. 
2. USBank continually failed to provide me timely paper statements. I dutifully looked at my bills each day/month but often I did not receive a paper mortgage statement from USBank. I was forced to call/email each month to arrange for a manual emailed statement from the construction loan mortgage group. 
3. I was informed via email by XXXX XXXX XXXX, the construction loan supervisor, that my loan would begin full P & I mortgage repayment from interest only effective as of XXXX XXXX, 2017. This would increase my monthly payment amount from $ XXXX to nearly $ XXXX. My assumption was that the first $ XXXX payment would be due in XXXX 2017. 
4. I received a monthly statement on XXXX/XXXX/17 that indicated I owed $ XXXX which I paid immediately. 
5. On XXXX/XXXX/17, I received a collections call from USBank indicated I owed the balance of the $ XXXX ( approx {$6800.00} ) and would be in arrears if not paid by XXXX/XXXX/17. 
6. I called customer service and was put on hold for 10min. When I talked to an agent I was informed that I was required to pay the balance immediately -- which I did via phone ACH. 
7. I inquired from a customer agent ( employee # XXXX ) why I was sent a statement on XXXX/XXXX/17 showing $ XXXX was due. He had no answer. I also inquired why it was explained to me that full P & I amortization would begin on XXXX XXXX. If the full amortization payment was due on XXXX XXXX, then the amortization began on XXXX XXXX -- not XXXX XXXX. Once again, he replied that he had no explanation. 
8. This is highly misleading and stressful conduct by XXXX XXXX XXXX XXXX and the customer service personnel. 
9. Further, USBank has forced me to convert my construction loan to a fully amortizing loan despite having a $ XXXX balance available on my construction loan. This $ XXXX is placed in escrow- for which I do not have access. In doing so, USBank is forcing me to pay interest on the $ XXXX balance despite not needing the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE THESE INQUIRIES I AM A VICTIM OF IDENITY THEFT
Product: Credit reporting or other personal consumer reports

Transunion and XXXX said that they're already DONE doing their secondary investigationon those disputed COs that were issued on my credit files. They said they have confirmed it with thefurnishers of the information. BUT upon checking my updated credit report today, they didn't even update their comments or remarks from it. It was all the same old comments that they've had in my past credit reports. It only means that they have NOT really done any investigation after all. If they really talked and confirmed it with the creditors, they should've deleted these accounts in the first place because they have added these accounts on a wrong credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked TransUnion to validate the debt from a XXXXXXXX XXXX XXXX that was fraudulently placed on my credit report. It has late payments and now a charge off. TransUnion did not Validate the debt or meet the criteria in under 15 USC 1692g. I received a letter from TransUnion LLC dated XX/XX/ that said the dispute was complete and they did not correct my credit report. They claim the balance owed was verified or reported but did not state how they verified the information. This is deceptive. They also updated personal information with incorrect addresses and work places that I do not recognise. I do not have a work place and do not recognise those workplaces that they placed on my credit without my permission. I asked them to remove the incorrect information and they did not. I do not consent to the negative remarks on my credit report which is my credit reputation and has caused me to be denied from loans. I have had excellent credit in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Tranunion are fraudulent on my account : XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX IS FRAUDULENT ON MY CREDIT ACCOUNT # XXXX XXXX XXXX XXXX   XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Product: Credit reporting or other personal consumer reports

Please see the attached letter and documents as it contains all the information about my concerns. I have information on my report that I dont recognize and I request that fix it.
Product: Student loan

I am unable to increase the amount of my Auto Pay above the minimum payment on XXXX  The form inputs that should allow me to change the amount are set to " readonly '' so they are not changeable. I have called and spoken to customer service at Mohela but the representative I spoke to also did not understand the issue and was unable to provide a solution. I have attempted many times now to " securely message '' Mohela, but the secure messaging form on their site is also not functioning correctly ( the form will not submit ). I have tried both of these actions on different browsers and that hasn't helped. 

To sum up : I want to make payments above the minimum to save money on interest. I want to use AutoPay for convenience and to lower my interest rate by 0.25 %. I am not able to adjust my AutoPay amounts and Mohela seemingly has no interest in fixing this problem.