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

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had car with Santander/Chrysler Capital for almost 3 yrs I pay every month ( a ) nothing goes towards the principle, everything goes towards interest which I paid {$2000.00} inXX/XX/2021 and none went to principle ( b ) I pay every month and on my credit report there are a lot of inconsistencies, likeXX/XX/2021-ok, then XX/XX/2021- 60days past due ( c ) my balance Im still the same since the first day I got the car. I have disputed with XXXX and XXXX yet nothing has changed. I feel they are and have been taking advantage of me this entireloan, false advertising. Ive contacted Santander/Chrysler capital they are giving me run around not explaining or caring. I recently asked them for a copy of my payment history which I will attach when prompted to. Please look into this as I know they have recently been identified as loan sharks, taking advantage of ppl with outrageous rates, rates where ppl will never be able to pay their loans off through them. Please help, I am one of their victims
Product: Debt collection

On XX/XX/XXXX a bill was created and delivered XX/XX/XXXX to my address of around {$1800.00} and I am unaware with this bill from XXXX XXXX however the company billing this was American Coradius International LLC. The company AC sent me a letter in the mail for this amount, and I am unaware of this bill. XXXX has not made any communication with me, and my credit card report looks okay. However when I called AC I did give them my SSN.
Product: Debt collection

I was reviewing my credit report and noticed so items reported on my credit report. I noticed the listed debts below on XXXX, XXXX and Experian ). I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. I have made several attempts to send validation of these debt. I have still not received with 30 days of any proof of this debt. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. XXXX XXXX XXXX XXXX {$1600.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX-Account number XXXX XXXX XXXX XXXX-Account number XXXX XXXX XXXX XXXX {$1600.00} XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNT XXXXAccount number XXXX XXXX XXXX XXXX XXXX- {$350.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX- $ XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions,
Product: Checking or savings account

I have had a cash app account since 2022 with the same emaill address and phone for years. I called on XX/XX/XXXX th to report that my tablet had been stolen and requested that they log out of all devices and they would not, so that same night my account was accessed by the person who stole my tablet and My email was removed from the account as well as my phone number and they put their phone number. that took my access to that account complety away from me and I havent had access to my funds since that day which is my social security that was direct deposit and my payroll check! the person who hacked my account took my last money at the time by XXXX a {$180.00} dollar transaction to whom i dont know. so I have {$970.00} social securty deposit and {$200.00} or so from my employer XXXX XXXX so now when i call they ask for the phone number of the account an i have to give them the hackers phone number! and they ask for the zip code which should be XXXX and they say thats not it, and for that reason they cant verify who i am!! the phone number and zipcode they have is NOT mine!! i gave them the dates this happened the time it happend, i gave them almost a months wotrth of transactions! they have never asked me for drivers license or social security to proove my identity but had my make a new account which would all be identical to my account! im on the phone for an hour or longer in which they say they will help my regain access and in the end say that for security reasons they can not which is mind boggiling to me! they say the account has been closed and my debit card was deactivated and that my money is still there, so I ask them ok what do i do now to get my reamainng funds, they tell to insure the safety of my account they can not give me access so i ask what do i do now they say try again at a later time!! I had to get my social security transferred, all my online billing, this has created such a hardship, i have no access to my money for a month and XXXX days before XXXX they still can not help me when all they have to do is look at the day my information was changed and this all began!! this never would hae happened if they would have logged out of all devices when i asked!! now when i call, they either stop at the zipcode or just hang up on me, im at my wits end! the phone number they have is the hackers XXXX, the cash tag is XXXX XXXX XXXX XXXX XXXX is my name.
Product: Debt collection

False Debt collection call to my wife that may cause identity theft. Asked for SS # and account in XXXX healthcare. 
From number XXXX XXXX XXXX XXXX on behalf of United Collection Bureaue They tried to enforce her to pay {$300.00} dept to XXXXp ( XXXX in XXXX 2015 ). I have checked my accounts with XXXX - no balances. 
Consider such calls as criminal activity collecting personal information and pulling money from people.
Product: Credit reporting or other personal consumer reports

These accounts are involved in litigation, I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume no knowledge of the collected debts, in fact exists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$8100.00} XXXX XXXX XXXX  XX/XX/XXXX {$150.00} XXXX XXXX XXXXXX/XX/XXXX {$140.00} XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Equifax and XXXX  provided a generic response to my complaint and it was not accurate. I have sent the letters in to both credit bureaus from XXXX through XXXX. The letters are attached. I have authorized this compliant. I am not a third party submitting this complaint. My ID and utility bill are attached. I need these items removed and my personal information updated. I have sent in several letters every month by mail. I have called and was informed to submit this information and I did such.
Product: Money transfer, virtual currency, or money service

I called to dispute a Zelle transaction. I checked the next day and my case was closed with no refund. I provided all necessary information and documentation for this claim and Zelle neglected to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate information for my XXXX account XX/XX/22 never been late
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX XXXX  was showing XXXX XXXX XXXX instead of XXXX XXXX XXXX. 
My divorce XXXX showed XXXX XXXX XXXX without XXXX of the marriage being resolved. The State and Federal agency have fixed the error but the credit agencies have not. 

Evidence ss #, re marriage without motion of default and signed from both parties, Division 11 Washington State of Appeals stating my legal name to my husband by law
Product: Credit reporting, credit repair services, or other personal consumer reports

There's FRAUDULENT ACCOUNTS and addresses on my consumer report which I've reported a number of times, AND they have yet to be removed. I've never lived at XXXX XXXX XXXX XXXX XXXX TX XXXX. You, EQUIFAX, XXXX, and XXXX are all in VIOLATION of my rights. Because you have reported FRAUDULENT information to my consumer report, my life had been in shambles... So please remove the address listed ABOVE from my consumer report.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after Experian Investigation. I would like this item immediately re-investigated. The inaccuracies are highly iniurious to my credit score ( XXXX XXXX XXXX  XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

PLEASE PROVIDE VALIDATION OF THIS DEBT! INCLUDE PROOF THAT VALIDATES THIS DEBT IS MINE BY PROVIDING DOCUMENTS THAT BEARS MY WRITTEN SIGNATURE THAT TELLS YOU THIS DEBT BELONGS TO ME. ALSO, PROVIDE PROOF THAT THE COMPANY IS LEGALLY REGISTERED AND BONDED TO COLLECT DEBT IN NORTH CAROLINA ; AND HAS THE LEGAL RIGHT TO COLLECT THE DEBT IN THE ACCOUNT. 

ALSO, IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS ACCOUNT/ COMPANY HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS IN ACCURACY AND FAIRNESS OF CREDIT REPORTING STATED IN 15 U.S.C . 1681 SECTION 602 A. THE COMPANY HAS ALSO VIOLATED MY RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER SECTION 15 U.S.C. 1681. AS A RESULT OF THIS INACCURATE AND UNFAIRNESS OF SAID ACCOUNT HAS RESULTED IN EMPLOYMENT, FINANCIAL, AND HOUSING DAMAGES WHICH IS ILLEGAL ACCORDING TO 15 U.S.C. XXXX ( A ). 

DUE TO THIS FACT, I WILL NOT HESITATE IN BRINGING LEGAL ACTION AGAINST YOUR COMPANY OR CLIENTS FOR THE FOLLOWING : VIOLATION OF THE FAIR CREDIT REPORTING ACT, VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT, AND DEFAMATION OF CHARACTER. 

IF THEIR OFFICES ARE ABLE TO PROVIDE PROPER DOCUMENTATION AS REQUESTED IN THE FOLLOWING DECLARATION, I WILL REQUIRE AT LEAST 30 DAYS TO INVESTIGATE THIS INFORMATION, DURING THIS TIME ALL COLLECTION ACTIVITY MUST CEASE AND DESIST. 

IF THEIR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THIS ACCOUNT MUST BE DELETED AND COMPLETELY REMOVED FROM ALL OF MY CREDIT FILES AND A COPY OF SUCH DELETION REQUESTS SHALL BE SENT TO ME IMMEDIATELY
Product: Credit card or prepaid card

cash app issues. company did an illegal money transfer from my active account to my closed account. they won't resolve the issue and keep giving me the run around. I have money in my closed account and they won't let me transfer it to my active account. please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts show the wrong address, phone numbers, and employment. 

Other Address XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone Number ( XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Occupation XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the XXXX Bureaus haven't responded to any of my Complaints and a friend of mine told me they have to respond within 30 days and I still don't have any results of they investigation
Product: Student loan

My son attended XXXX XXXX XXXX for less than one quarter. 

The college was to refund unused monies and, either never did or it fell through the cracks. 

We have provided them evidence, and tried to resolve this for nearly three decades. 

ECMC, in a letter dated XX/XX/XXXX, has finally agreed the funds were never refunded by the college, as they should have been in XX/XX/XXXX, but expects me to pay their collection costs, etc, on a debt we never owed. 

This has, in my opinion, been thirty years of government overreach and harassment. 

I ask you to please look into this matter and help resolve this egregious situation. 

Thank you.
Product: Checking or savings account

On XX/XX/2022 I deposited a personal check for {$75.00} I also deposited a XXXX Treasury check from my retirement plan that was {$1600.00} into my Citibank checking account. I have called over 100 times to get an answer on where my money is and why they are telling me i will not get any of my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTE CODE - 103 My personal information was stolen in 2020, since that day Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate accounts I have listed. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting fraudulent information across my XXXX, XXXX and Equifax credit bureaus. I would like this account deleted from my credit report profile. 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 an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers 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 if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights by reporting fraudulent information across XXXX, Equifax and XXXX credit bureaus. I would like this account to be removed from my credit report profile. 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 an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers 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 if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit card or prepaid card

Unsolicited decrease in credit limit. Extreme damage to credit score. Citibank
Product: Credit reporting or other personal consumer reports

The account is showing as negative/late payments. The XXXX XXXX Credit Card account has been paid for and closed.
Product: Debt collection

On XX/XX/2023, I sent a validation demand letter to Diversified Adjustment Services requesting a full validation of debt on an alleged debt that they claim that I owed. I received no response.

Imagine my surprised, when I viewed my credit files, and this fraudulent debt is now listed on my credit files, after they refused to verify the debt, and chose to ignore my legal request for the demand. This has dropped my credit scores over XXXX points, and has caused me a lot of grief and harm for a debt that is not mine, and that I do not owe.
Product: Credit reporting or other personal consumer reports

I submitted a letter in writing and signed affidavit that I am a victim of XXXX XXXX. I sent a 605c and it was denied by Experian for credit block adverse info that was caused by this tragedy. They replied stating the organization that confirmed my situation was not on their list. Its a government organization so I dont see why they dont recognize it as such
Product: Credit reporting or other personal consumer reports

Equifax confirmed a data breach from XXXX. I just type a lot, got deleted before I can send it. I never lived in XXXX OH at XXXX XXXX XXXX XXXX, remove utilities for {$370.00} ending XXXX, remove XXXX XXXX  for {$200.00} # XXXX cable or cellular, remove XXXX XXXX {$500.00} # XXXX, remove XXXX XXXX  XXXX for XXXX {$270.00}, remove XXXX inquiries in XXXX month XX/XX/2023, please.
Product: Debt collection

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from XXXX XXXX I cant say this more emphatically, I have never had a XXXX XXXX account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account 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 request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Below are a list of them : XXXX XXXX XXXX XXXX XXXX  XXXX ( multiple ) -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX- XXXX XXXX XXXX ( multiple ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting on my personal credit report with XXXX and EQUIFAX. This is a business loan in which I signed as a personal guarantee. This is a business transaction, and I acted as the guarantor, this loan was not taken out on my name, nor did XXXX XXXX utilized my personal credit worthiness to grant this loan. This loan was approved based on business financials and business taxes. I am requesting for this information to be removed from my personal credit file with EQUIFAX and XXXX.
Product: Debt collection

I recently pulled my XXXX major credit reports. This debt is appearing. It is not my debt. I have requested written XXXX from XXXX of the collection agencies/law offices and the original creditor. I requested XXXX over 30 days ago. I have not heard from the original creditor or the collection agency regarding this debt. I supplied a copy of my ID, my social security #, and proof of address to all parties. I was never in their facility/hospital/office. I have shown proof of residence as well as tax documents to show my employment was NOT in their area. I want this deleted from my XXXX as they have failed to prove it is my debt. In fact when I call the original creditor they have an entirely different name and social security # listed in the original file. This is what prompted me to send proof of ID and social security number. This is NOT my debt and I want it closed and removed from my XXXX immediately.
Product: Checking or savings account

After asking for information, we attempted a phone verification, which failed for some reason and only worked on my previous number from two phone numbers ago then after attempt, I proceeded to give my mothers phone number which had worked previously, but upon doing so exhausted all attempts and the bank teller proceeded to hang up in my face, not giving me reasons to why my account was locked I asked to speak to a supervisor, which also the phone on me without giving me reasons to why my account was locked
Product: Mortgage

Without my authorization, Wells Fargo steals my direct deposit and pays mortgage that is not due, thus my other bills are not getting paid. They have closed my online account so I can not correct this. I am on XXXX and they are also stealing my other payments and putting me in jeopardy of not paying bills. HELP