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

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX EQUIFAX UNAUTHORIZED COLLECTION , XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I looked at my XXXX , Equifax & XXXX credit report on XX/XX/year>2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 shall ( i ) 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.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT. I HAVE PROVIDED THE NECESSARY DOCUMENTS TO BLOCK THE INFORMATION FROM BEING REPORTED HOWEVER, THE CRA 'S REFUSE TO BLOCK SAID ITEMS LISTED.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Cease & Desist Request Under 15 U.S.C. 1692c ( c ) To Whom It May Concern, I am formally disputing the collection accounts being reported by XXXX XXXX on my credit report. Under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am asserting my right to refuse to pay this alleged debt and demand that all further collection activities, including credit reporting, cease immediately.

Additionally, I have verified through the XXXX XXXX XXXX XXXX XXXX XXXX  ) that XXXX XXXX is not licensed to operate or collect debts in the state of Ohio. Therefore, their attempt to collect on these accounts is unlawful and a direct violation of the Fair Credit Reporting Act ( FCRA ) and the FDCPA. 

Given these violations, I demand the following : Permanent Deletion of These Accounts Since XXXX XXXX is not legally authorized to collect debts in my state, these accounts must be permanently removed from my credit report with XXXX, XXXX, and Equifax. 

XXXXmmediate Cease of Collection Activity Under 15 U.S.C. 1692c ( c ), I am exercising my right to demand that XXXX XXXX cease all communications and collection efforts regarding this alleged debt. 

Proof of Validity ( if applicable ) If XXXX XXXX claims a legal right to report and collect on this debt, I demand documented proof of the original contract bearing my signature and licensing proof allowing collection in Ohio. If no such proof exists, the accounts must be deleted immediately. 

Failure to comply with these legal requirements will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Ohio Attorney Generals Office for violating federal and state consumer protection laws.

I expect confirmation of the permanent deletion of these accounts from my credit report within 30 days of receipt of this letter, as required under the FCRA. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Synchrony Bank is suing me through XXXX XXXX XXXX XXXX. They just recently sent a letter saying that my account was not with them anymore and was charged off to a new company XXXX. I find this to be an irrational measure to sue someone when you sent the debt to another company and have failed to work with the customer on securing an affordable amount per month payment plan.
Product: Money transfer, virtual currency, or money service

re : Western Union money transfer, XXXX XXXX, 2017, sent from XXXX for XXXX A money transfer was sent to me today as indicated above. When I checked to see if the funds were available on the Western Union web site, it said they were ready for pick up. However, when I went to a bank to claim the funds, I was turned down. When calling Western Union for an explanation, I was told to have the sender call them and was peremptorily stone walled as for any explanation. This is the second incident this has happened with this service. A previous transfer in the amount of {$500.00} was sent to me from XXXX XXXX and I encountered the same refusal to pay the funds. I have no idea what is going on with this company but I am NOT in any way a criminal, drug seller, money launderer, et al, and it strikes me that this outfit is far too overboard in making subjective conclusions based on unsubstantiated " facts ''. This is a complaint I have been hearing from other customers so there seems to be a need for an investigation into how this company is handling its money transfers or have it go back to just sending telegrams!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I went to XXXX to request my 3 online credits reports. The only one that didn't give me access was Experian. However, I'm able to go to there website and pay to get my report online.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I initiated this loan as a debt consolidation. My car was used a collateral for the loan. Therefore it was listed as a auto loan on my credit report. Because the loan was on a car that was already well below the value of the time when I began having car troubles I was unable to get out of the loan because I was hooked. I owed more on the car that the car was worth. I parked the car and continued to make payments over some time I was getting increasingly frustrated because the balance seemed to never go down. When I inquired about how long I will be paying on the loan I was always told a vague response such as go online to look at amortization calculator. They would never tell me how much time in the loan was remaining. After several years of making payments I have had to refinance the loan on a couple of different occasions. The loan still appears as an auto loan on my credit report which prevents me from buying a replacement vehicle although I cant roll this loan onto a new car because the balance is too high. Upon the last refinance someonethis auto loan is amortized like a credit card. No wonder Ive been making payments for so long without satisfying the loan yet. I believe their marketing of a debt consolidation using an vehicle for collateral is deceptive because in essence you are going to pay so much more over the life of the loan. How can they report as an auto loan and amortize as a credit card. Is this fuzzy lending fraudulent? Based on this new information I still have a couple of more years of payments on a car that is more than 20 yrs old. I would like to be rid of this debt. I believe Ive paid enough towards this debt. Im have more than paid for the value of the consolisation.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX Dear TransUnion I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 



including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 



Sincerely, XXXX XXXX XXXX
Product: Debt collection

I got a call from the debt collector saying I owe 600 something for XXXX XXXX XXXX college and the person from the office told me I could start paying by splitting the payment into 3 so I started right away and I was told since Im making payments it wouldnt go into collections. Its still open account on my credit and its been paid off in full since XXXX this is really affecting my credit because its been paid off ad I would love for it to be removed.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Adverse Rection To Whom This May Concern, On XXXX XX/XX/year>, I applied for a credit card issued by Capital One. After submitting the application, it was denied for the following reasons : Based on your credit report from one or more of the agencies on the back of this letter, insufficient credit card account experience Based on your credit report from one or more of the agencies on the back of this letter, there are too few or no primary bankcard accounts Based on your credit report from one or more of the agencies on the back of this letter, there are too few or no accounts with recent activity Based on your credit report from one or more of the agencies on the back of this letter, there are too few or no open bankcard accounts However, this whole consumer transaction is predicated on my unlimited credit. This is false and misleading denial of my own credit. This is a violation of 15 U.S. Code 1611, 15 U.S. Code 1691, and 12 CFR 1002.2.

I request a listing from the underwriters all of the factors that were involved in this consumer transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted EXPERIAN 4 times trying to resolve the issues with accounts that do NOT belong to me and do NOT have my signature. Under the FAIR CREDIT REPORTING ACT, they did NOT use reasonable procedures to TOTALLY verify the information they are receiving from their clients who FURNISH the information! They are REPORTING INFORMATION THAT does NOT belong to me and REPORTING INACCURATE information. Under Section 609 of the Fair Credit Reporting Act, they could be liable for reporting information that they are NOT even suppose to report
Product: Debt collection

On XX/XX/year> at around XXXX XXXX, I contacted the American Collection Enterprise , Inc. ( ACEI ). I was transferred to an agent, who I asked to please explain the letter that I received from their group. The agent placed me on hold, came back on the phone stated the bill amount and then stated " we accept, debit or credit cards '' ; I reminded her I needed to understand the letter and then she quickly transferred me. That is when I was transferred to XXXX XXXX ( I may misspell the lastname ). I explained to XXXX, that I need to understand the bill and what it is for, she read the bill is from XXXX XXXX XXXX  XXXX XXXX XXXX  and I owe them {$140.00} for XXXX. My XXXX rights are violated given that my purpose to the medical center was exposed. When I asked XXXX XXXX to clarify, she fostered up a very defensive attitude yelling that she needs to finish talking. I asked her to provide this information over email, she stated that she can not. I asked her if she is refusing to provide me with the information that I am requesting, she then started shouting on the phone at. I remained calm and told her not to yell at me and then she continued yelling and hung up on me. I called back, and a man answered and placed me on hold. The man answered and asked for my name I told him my name and asked for his, his response XXXX XXXX, he was rude stating that I am just now telling him my name when I repeated it. This agent then hung up on me. I called back this agency numerous times trying to reach someone to help me understand and come to a solution about this debt, no one answered my calls following this encounter with XXXX and XXXX XXXX. When I called, XXXX XXXX 's voicemail stated that XXXX XXXX can not answer the phone. I also got directed straight to voicemail for XXXX XXXX and XXXX XXXX. Throughout the day I tried to call this agency from numerous numbers on their contact page, people would continue to avoid my calls. I need to understand the debt and this is very unprofessional, vindictive, revengeful, sabotaging and spiteful
Product: Debt collection

Received a call stating that I owed money for a breach of contract with a payday load from 2013. I had informed them that I did n't have any open accounts at XXXX Bank at the time except for a health savings account which had no transaction history. The woman said that she thought this was fraud and would review with her supervisor -- -a few weeks later I got a call stating that I wold be taken to court if I did not pay and that in their system there were no notes about previous conversations and I needed to pay the balance or go to court. They offered me a settlement amount that I paid. I reviewed all of my bank account statements after and was unable to locate anything they were talking about. They said this loan came from XXXX XXXX XXXX and it was XXXX loans
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY FINAL ATTEMPT TO RESOLVE THIS ISSUE AMICABLY AND OUT OF COURT! Valor Intelligent Processing PREVIOUSLY IGNORED MY INVOICE SENT CERTIFIED XXXX MAIL ( TRACKING # : XXXX ). FIRST AND FOREMOST IVE NEVER DONE A TRANSACTION WITH Valor Intelligent Processing SO ANY ALLEGATIONS ARE A DIRECT VIOLATION OF MY RIGHTS PURSUANT TO FEDERAL LAW. Valor Intelligent Processing HAS NO EVIDENCE OF ANY ALLEGED INDEBTEDNESS. ITS IMPOSSIBLE! SECONDLY IF YOU DO HAVE ANY ALLEGED AGREEMENT ITS NULL/VOID BECAUSE THE PERTINENT FACTS OF THE MATTER WERE NOT SET FORTH CLEARLY, CONSPICUOUSLY, OR REASONABLY. THAT MAKES IT IMPOSSIBLE FOR ME TO UNDERSTAND ANY ALLEGATIONS YOU ARE ALLEGING. I NEVER RECEIVED ADEQUATE NOTICE PLUS Valor Intelligent Processing KNOWINGLY AND PURPOSEFULLY ENGAGED IN THE UNLAWFUL USE OF MY CREDIT CARD ( SSN ) PURSUANT TO 15 USC 1602. WHICH IS ALSO AGGRAVATED IDENTITY THEFT. Valor Intelligent Processing REPORTING FALSE ALLEGATIONS TO 3RD PARTIES ( CREDIT BUREAUS ) IS ALSO A VIOLATION OF MY FEDERAL RIGHTS. IVE BEEN DENIED EXTENSIONS OF MY OWN CREDIT IN EXCESS OF WELL OVER {$100000.00} ( XXXX XXXX XXXXXXXX XXXX  ), AND EXPERIENCED UNNECESSARY PAIN AND HARDSHIPS AS A RESULT OF THERE INTENTIONAL NEGLIGENCE AND DEFAMATION OF MY CHARACTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello how are you my name is XXXX XXXX and everytyme I ask for a dispute of the addresses on my credit it never gets deleted some of those addresses does not belong to me and some of them are old and is not supposed to appear on my history I ask for them to be disputed and my correct address that should be on my credit is XXXX XXXX XXXX. 
XXXX tx,XXXX My name is XXXX XXXX XXXX my date of birth is XX/XX/XXXX Can the old addresses be removed they are negative and incorrect thank you
Product: Credit reporting or other personal consumer reports

Contact to remove all 3 people off my CCs as Authority Users. Please see below XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Also make they are not being reported to the credit reports anymore
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Capitol one denied me credit based on credit report from one or more agencies number of bank cards in last XXXX months
Product: Mortgage

BBVA did XXXX unauthorized distribution out of my escrow account in XX/XX/XXXX. I called numerous times for them to resolve the issue and they say it is a system issue and that they need to " reconstruct '' the account and that they need more time to solve their system issue. I have personally calculated all the escrow payments and disbursement and get back to their " incorrect '' ending balance that they are saying is correct. I have given them time to fix the issue or provide a solution that has n't been resolve from my first call on XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below has violated my federal protection, consumer rights to privacy and confidentiality under 15 U>S.C. 1681 XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX15 U.S.C.1681 Section 602A States i have the right to Privacy,15 U.S.C.1681 604 A Section 2 : : a consumer reporting agency can not furnish a account my written instuctions,15 U.S.C. 1681c. { A } { 5 } States no consume reporting agency make any consumer report containing the following items of information Any other Adverse item of inform.other than record of conviction crimes which antedates the report seven yrs. Also 15 U.S.C.1681S-2 { A } { 1 }
Product: Debt collection

There are multiple debts being reported on my Equifax credit report without an original creditor listed. After multiple times of disputing the accounts with Equifax, simply stating the account did not have an original creditor or agency listed in order to validate the debt nothing has been done to rectify the current inaccuracy nor has there been any removals of the accounts that are listed incorrectly. 

These accounts are also being duplicated ( see attached letter mailed directly to Equifax ) I have not received mail or responses regarding these accounts either.
Product: Credit reporting, credit repair services, or other personal consumer reports

fradulent inquiries ... and unverified accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, On XX/XX/XXXX I was looking at my credit report and noticed inaccurate information. 

Derogatory marks XX/XX/XXXX it says XXXX XXXX  XXXX {$130.00} Is owed. I had called this company many times in the past as this was all taken care of and there customer service reps had said they would remove from file. For some odd reason It is still on there. But was taken of. There was additional fee 's than it was fraud and never authorized by me. 

Inquiries XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX ( both companies I had called as neither company had I signed anything or applied for anything and to the best of my knowledge was fraud and unauthorized by me. Both companies agreed to remove from my file but for some reason still there. 

I have attached the false inquiries picture on here so you guys can see it
Product: Payday loan, title loan, personal loan, or advance loan

I have tried numerous attemps to communicate with said companies with providing my Negotiable Instruments. Some of these Companies simply keep my Instrument and tell me they can not accept it. According to UCC 3-603 and UCC 3-311 and Instrument Tendered is sufficient to satify any Obligation of the United States. These Companies stay in Violation of those Rules of the UCC with all Commerce is Governed by. Any Company or Institution that refuses these Instruments according to the UCC is Pursuant for DIscharge regardless they Honor the Instrument or not. Thats the Law and the Rule of the Land. Everything is credit We are in Bankruptcy so you cant expect real monies ( Gold and Silver ) is the only Lawful Money and all Obligations are for the United States and go to the United States Treasury.
Product: Debt collection

I get 1 to 2 calls APPROXIMATELY EVERYDAY, and everyday I ask them to stop, its harassment ... they CHANGE there number and call again..I even told them I was gon na report it to you ... they CONSTANTLY still call it's on going for several months now ... I even asked that they not call on any of PORTFOLIO RECOVERY SERVICES.NUMBERS ... .I ASKED THAT THEY FIND A NEW WAY OF CONTACTING WHOEVER AT THIS NUMBER BECAUSE I WAS NOT GIVING PERSONAL INFORMATION DUE TO ALREADY BEING A IDENTITY THEFT VICTIM..BUT THEY REFUSE TO STOP..