23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had an apartment back in 2013, after that I had XXXX more apartments and after attempting to move, my new apt . complex stated that I had a previous debt. I did not know about this debt and I contacted the apt . complex I had in 2013, that same day I paid my debt with them since the leasing office stated that I needed to pay them. Then my new apt . complex proceeded to tell me that I needed to pay National Credit Systems, so I called and I faxed the invoice that my old apt complex gave me. NCS stated that it would take 3 business days to process and send me the letter stating that I paid. I call and call to verify about the fax and they never answer, on the meantime I cant move in to my new apartment because they need the letter from them. I left a voicemail and I have n't gotten any reply, they never contacted me about this debt before and it suddenly came up.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I also submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. XXXX clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy XXXX XXXX. XXXX. If XXXX can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.
Product: Credit reporting 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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXXXXXX Account name : XXXX XXXX  XXXX However, they stated everything was complete and accurate. But how is that possible if they are still on my report, the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}. Please delete
Product: Mortgage

Started a Construction Loan process through XXXX XXXX XXXX XXXX in XX/XX/XXXX - Office XXXX XXXX - NMLS : XXXX. Construction loan was finalized through Michigan XXXX - XXXX XXXX XXXX, HomeStyle, & Repair Escrow Disbursement XXXX Michigan XXXX XXXX Galleria XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX : XXXX Fax : XXXX On XXXX we closed the loan process and received a check for XXXX roughly out of the XXXX we had for the construction loan. We were told at that time that XXXX XXXX XXXX  XXXX / XXXX XXXX would work with XXXX XXXX ( XXXX  ) to finalize the paperwork on XX/XX/XXXX so that I would receive the remaining {$110000.00} funds from the construction loan before XX/XX/XXXX. 

Now, in working with XXXX XXXX it doesn't appear I will be getting the funds - I must note, I have a mortgage that includes the full XXXX of which XXXX is still not been distributed to me. I keep getting jerked around on why I'm not getting them. I just don't know where to begin and certainly easier to tell the whole story verbally. I can be reached at XXXX XXXX XXXX. 

Appreciate your time and help!!!!!
Product: Vehicle loan or lease

On XXXX XXXX my eldery aunt who is XXXX XXXX XXXX with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX and uses a walker for mobility was brought to a car dealership by her XXXX XXXX XXXX illiterate spouse and his son to purchase a vehicle. While at the dealership a contract was signed by my aunt and her husband for a XXXX XXXX XXXX for {$16000.00} with XXXX of 19 % for 72 months with a {$380.00} monthly payment with a total sales price of {$30000.00}. I was notified by the bank that her debit card had been used {$2500.00} purchase. I called the bank to get the name of the merchant and was informed it was XXXX XXXX XXXX in XXXX XXXX, XXXX. I immediately contacted the dealership and informed them of the cognitive issues which are clearly visible with my aunt and her husband and spoke with sale rep XXXX, and manager XXXX XXXX who stated that this was a family issue and the contract would not be cancelled and no refund would be given. I even tried to give medical documentation from her treating neurologist stating her diagnosis and that she does not have the capacity to enter into any financial contracts due to her cognitive impairment. This transaction was influenced by the her husband and his son.She is being financially exploited. Both know of her cognitive impairment and used it to their advantage. Knowing all this information the dealership still refused to cancel contract. I also reached out to my local police department and was told to file a report with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and learned that my personal information was used to open account # XXXX at XXXX XXXX, XXXX. I am an identity theft victim and filed a report with identitytheft.gov, filed a police report, sent a letter to XXXX XXXX XXXX XXXX, as well as all 3 credit bureaus. I included the NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA ( Refer to duties when ID Theft Occurs ) and according to the law 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] the CRA shall block the reporting of any information that resulted from an alleged identity theft and there should not be any damages on my credit reports according to 15 U.S.C. 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have an account with Community Loan Servicing. The account information listed on XXXX is inaccurate. I did not open an account with Community loan Servicing in XXXX  as indicated on my experian credit report. I would like legal documentation of what is being reported.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX XXXX XXXX. I noticed some inaccuracies on my credit profile in XX/XX/2025. I ask that you kindly remove these from my credit profile as soon as possible. Im a victim of identity theft and these accounts arent mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC VIOLATION CFRA VIOLATION SHOWING INACCURATE INFORMATION
Product: Credit reporting or other personal consumer reports

Recently I was looking at my credit report and was sent into a deep XXXX when I saw negative accounts and inquiries being wrongly reported on my credit report. This XXXX is causing problems with my work and I am in desperate need of a new car and I am unable to get one due to these horrible unauthenticated discrepancies that were wrongly verified by the bureaus without my authorization.
Product: Debt collection

toyota finance reported to the credit bureau that i owe them {$13000.00} i called toyota and asked them to provide the contract bteween me and them stated the i owe them {$13000.00} all i got from toyota finance is the runaround
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX  - Reference number - XXXX Record type Bankruptcy chapter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX number - XXXX Record type Bankruptcy chapter XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452 XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 Section 602 A. State I have the right to privacy. 
XXXX XXXX XXXX Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

_____________________________________________ FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452
Product: Credit reporting, credit repair services, or other personal consumer reports

Request for Removal of Inaccurate Collection Account - Account Name : XXXX XXXX, Account Number : XXXX I am writing to bring to your attention an erroneous collection account that has been added to my credit report. As a consumer, I believe this account violates the provisions outlined in the Fair Credit Reporting Act ( 15 USC 1681 ) and request your assistance in having it promptly removed. 

Account Details : Account Name : XXXXXXXX XXXX  Account Number : XXXX Explanation : 1. Inaccurate Verification : I have been informed by the reporting agency that this collection account was verified, despite the fact that I have never had any business or financial association with XXXX XXXX. This verification process was conducted erroneously, as I have never engaged in any transaction or entered into any agreement with this company. Therefore, the account is incorrectly linked to my credit history. 

2. Financial Hardship : The presence of this unjustified collection account on my credit report has significantly impacted my financial standing, causing undue hardship for both myself and my family. It has limited my access to credit opportunities, making it challenging to secure loans or favorable interest rates. Removing this inaccurate account will help alleviate the financial burden we currently face. 

I kindly request your immediate attention to this matter and the initiation of an investigation into the validity of the collection account. Based on the information provided, I firmly believe that this account should be removed from my credit report to ensure accuracy and fairness. 

I appreciate your prompt attention to this matter and look forward to a favorable resolution. Please provide written confirmation once the investigation is complete and the inaccurate collection account has been removed from my credit report. 

Thank you for your assistance.
Product: Money transfer, virtual currency, or money service

I am filing a complaint at Cash App ( Block , inc ) due to inadequate customer service and unfair practices which violate the consumer Financial Protection Act ( CFPA ) specifically, CASH APP failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair deceptive as they did not comply with error, resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E. These actions have called significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit card or prepaid card

My card with Chase Bank has an official credit limit of {$500.00}, yet Chase has been letting me charge more than double over the credit limit for over a year. I seriously thought my credit had been increased already because for the past year my transactions have not been declined at the {$500.00} threshold, and are allowed to go up to well over {$1000.00}. Basically, they still get the benefit of their merchant fees for the hundreds of dollars in purchases I make ( and pay off in full ) every single month, yet tank my credit by reporting my limit as half the amount they are actually allow me to charge. 

Today, I called them to discuss reconsideration on my account for a limit increase and it was a lengthy phone call pretending to go over all these things, yet ended in them saying no. They claim all these excuses about why they can't increase it my limit, but those same reasons are not a concern when letting me charge up to more than double my limit? This seems like discriminatory banking geared towards minorities. They are actively destroying my credit with a reduced limit " on paper '' while it is clear the don't think I'm a risk or they wouldn't be allowing charges of more than twice the limit FOR THE PAST YEAR. If they really don't think I'm worth the {$1000.00} limit, then they are allowing charges banking on me going into default so they can charge exorbitant fees! That's predatory lending! 

So which is it, Chase? Do you intentionally target minorities to destroy their credit ( the new redlining ), or are you predators allowing charges beyond the risk point betting on customers to default so you can swoop in and collect your scavenger fees?
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing in response to a credit report that I recently received, which suggests that I owe you some amount. However, I have not received any documentation or proof substantiating your claims, and I demand that you dismiss all such claims and remove any injurious reporting ( s ) against me. If the reported item ( s ) are potentially deficient in the mandatory document evidence of physically verified factual proof of the truth of the claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, the fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility elsewise of the reporting, and/or the complete and perfect certified XXXX XXXX XXXX reporting standards, I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer. 

Listed below are the Collections that are being challenged : XXXX XXXX - XXXX " You have violated the United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you are required to immediately remove the accounts mentioned in this letter. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. Additionally, this letter has been shared with the Consumer Financial Protection Bureau, the Attorney General 's Office, the XXXX XXXX XXXX, and the Federal Trade Commission. Your immediate attention to this matter is expected. '' XXXX - XXXX " You have violated the United States XXXXode Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you are required to immediately remove the accounts mentioned in this letter. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. Additionally, this letter has been shared with the Consumer Financial Protection Bureau, the Attorney General 's Office, the XXXX XXXX XXXX, and the Federal Trade Commission. Your immediate attention to this matter is expected. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Even after my consumer statement clearly states I will not and do not contract nor consent to any accounts being sold and collection agencies trying to pursue me for an alleged debt. I.C. Systems put a collection on my credit file without my consent for the amount of {$250.00} dollars and has damaged my score and continues to do so.
Product: Debt collection

XX/XX/21 : I have a record on my bank account through XXXX XXXX XXXX XXXX that check in the amount of XXXX was cashed.
Product: Checking or savings account

On XX/XX/19 at XXXX AM, my account went negative for a moment, and then it went positive. I was also charged {$140.00} in overdraft fees. My transaction ledger does not my account in the negative AT ALL. I have spoken with their phone support and XXXX  support which have all declined to address the fees. I have screen shots of the charges they state caused the overdraft, but the ledger for those charges still have me a XXXX at time of those charges being processed.
Product: Student loan

Over the course of the la st three months, I have made additional monthly payments to my student loan online in order to pay down specific loans ( ones with the lowest balance, but highest interest rate ) that I am targeting, but the additional payments are not being applied correctly and end up paying off more interest than the principal balance. I have made over 10 calls and th eir representatives can not give me a straight answer on why this keeps occurring. They respond that they will submit a request to find out why this is occurring. After several months of my student loan payment allocation decreasing the amount I pay towards the monthly interest,  XXXX  saw an increase of {$300.00} towards interest payments. I want to understand how this is possible being that I also make additional payments to decrease the overall balance of the loan thereby reducing the monthly interest that is accrued. Something is definitely incorrect about how my payments are being allocated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian- Is reporting XXXX XXXX on my acct. I've demanded them to remove it because it's a business account that was never created by me, which also lead to other accounts in my name and on my Bureau, that aren't mine. Upon contacting XXXX XXXX they've stated, I needed to simply contact the 3 reporting Bureau 's and it would be deleted. However the Bureau says they won't remove this information. I've been fired from my career over this information being on my credit and denied home loans because it dropped my score by XXXX points. Plus the Bureau have my social first number as XXXX, which alerts lenders of my race based on the first number being a XXXX or XXXX, so I've been told by a Bureau expert. 
I need these items removed from my report. 

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

My name is XXXX XXXX and I have had a credit card for 4 years. TransUnion and XXXX  do not provide me with my credit report or credit score. I called both TransUnion and XXXX  several times and they refuse to help me. I even mailed in dispute to each of the companies. 

My credit card company sends my credit history to these credit bureau every month, on the XXXX of the month. Yet I never receive my report or a score. 

When I ran a credit check, I got the following errors. 

1 ) Transunion error : " Record not found '' 2 ) XXXX error : " Invalid Spouse name '' and " The bureau data supplied doe not match borrower 's information '' TransUnion said that my first name is too short and so I need to hire a credit repair service. 

XXXX  said I do not have a credit file. 

If I have no credit history, my report should have said " Insufficient data '' instead. It's like my social security number is not registered with TransUnion and XXXX  ; and they are not even trying to investigate the issues. 

Why are these bureaus being to reluctant to help a consumer?
Product: Mortgage

COMMUNLNSERV is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( COMMUNLNSERV XXXX )
Product: Debt collection

Hi, I mailed several letters to Smith and Rouchon & Asso and no response form them and yet this is still being reported on my credit which is causing a huge impact. Shown below are the dates of the letters that I mailed out. Please help with getting this resolved, I really need this to be removed. 
XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

Un authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX via dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA DEALER XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above