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

I am disputing the entry related to the account with XXXX XXXXXXXX XXXX  on my credit report. This account was unlawfully sold to Monarch Recovery, a collection agency, without my knowledge or consent. This unauthorized sale has resulted in significant damage to my credit score and has severely impacted my life. Under the Fair Credit Reporting Act, this unauthorized transfer of my information and the resulting inaccuracies should not have been reported. I request that this incorrect and harmful entry be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a dispute to the 3 credit bureaus. They have yet to respond to my complaint. I need in written if they were able to verify the accurate of the accounts in my dispute. I need to know the following informations.

How did you verify these inaccurate accounts?

Did you talk to the court and if you did who did you talk with at the court?

Were you required to pay a fee to obtain the bankruptcy papers? 

Can you provide me with the contact number and name of the person you talked to?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent out a letter on XX/XX/2020 to Equifax to dispute some inaccuracies on my credit report asking them to remove/correct the information listed on the letter. I sent out a follow up a letter on XX/XX/2020 and still haven't received a response. To my understanding, they are in direct violation of section 611 ( a ) of the fair credit reporting act. I have attached the two letters for investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact XXXX parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to XXXX XXXX  of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following accounts : XXXX, XXXX XXXX XXXX XXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX XXXX prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, I AM NOT A CREDIT REPAIR COMPANY
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfers

This guy is a hacker who has done illegal things i contacted him asking if he could get me items for XXXX $ ( not illegal ) in a game on steam he said sure i gave him the items i wanted sent the money then he blocked me and i ca n't refund it or chargeback or anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to get a free credit report from TransUnion. In order to do this, I was required to create an account with them. I gave them all of my required personal information. They then require that I enter credit card details ( okay, I thought -- I wont be charged ... ). After entering this information, their was not a single reference to being charged. I was not told what services I will receive, I was not supposed to be charged. After I click on next, I was transferred into my dashboard. I viewed my XXXX XXXX transactions, and I see that I have a charge for {$24.00} from TransUnion. I emailed them, and I have not received a response. I disputed this charge from my credit card.
Product: Checking or savings account

I rented a car from XXXXXXXX XXXX XXXX on XX/XX/2023 the total for the weekly rental was {$260.00} I gave them my card and what showed on my bank statements along with my available balance decreasing was {$460.00} which XXXX of it was the deposit so everything was correct at that point when I returned the vehicle my new balance due to budget was XXXX which is correct because I kept the car for an additional day well later on that evening the transaction all of a sudden vanished which my balance did not increase or change so I immediately called the bank and brought it to their attention they told me the merchant was processing the transaction and that the transaction would reappear on my transaction list which it did but when it reappeared they charge me again {$330.00} putting my account negative {$420.00} this is not right and the bank is trying to make me believe that the XXXX never left my account and that I ended up spending it which is how holds from car rental companies work all the time totally incorrect and I'm not falling for it.
Product: Debt collection

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished in my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 
Accounts : XXXX XXXX XXXX XXXX - {$590.00} XXXX XXXX XXXX - {$630.00} NATIONWIDE RECOVERY SERV - {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 

There was a period of time in my life that was very difficult to handle due to some problem. I always tried my best to get every payment to you on time. I had a few lateness education loans which I paid. I paid every thing a have {$0.00} balance. But old lateness still reporting in my credit report, and ruining credit. 

I am asking you and your company for a goodwill request to remove paid lateness from credit report. 
Thank you in advance for taking time out of your undoubtedly busy schedule to read over my letter. 
DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX  XXXX XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an erroneous derogatory claim placed on my credit report. The original debtor, XXXX had falsely submitted my account to a collection agency, Diversified Adjustments for a debit I had previously paid. My debt was paid in XX/XX/XXXX and XXXX submitted it as unpaid in XX/XX/XXXX affecting my stellar credit. I have filed disputes with each of the agencies, XXXX, XXXX and XXXX. XXXX immediately removed the false report, however XXXX and XXXX completed the investigation that the item was legitimate. I contacted both XXXX and Diversified Adjustments and provided proof the account was settled and never should have gone to collections. I provided that to both XXXX and XXXX but they failed to rectify my credit and remove the erroneous collection item. This never should have gone to collections in the first place and I wasn't even notified and just happen to find this on my credit report. Further, there should be some consequence to the collection and credit reporting agencies for knowingly reporting false information. 
I have attached documentation of my XXXX bills showing the charge on my XX/XX/XXXX statement and it was paid in XXXX but the account was submitted to collections in XX/XX/XXXX. I provided this all to the credit agencies and the collection agency but they continue to fail to correct this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been hatched and identity fraud. My online Hatchers keeps accessing my accounts. I cant stop them from going into your data base and accessing my accounts.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account XXXX XXXXXXXX date opened XX/XX/XXXX bal. {$3100.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$2300.00}, Dpt Treasury Account XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$200.00}, US Dept of the Treas Account # XXXX date opened XX/XX/XXXX bal. {$200.00}, XXXX. XXXX, XXXX Account # XXXX XX/XX/XXXX bal. {$160.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I drove to my local PenFed Credit Union in XXXX, VA. There was met with the Assistant Manager and her trainee. I had discussed reopening my checking and savings account, Im which I was previously a member before. After, being told that a soft credit pull, would be needed. I agreed to only do this if indeed it was only a soft credit pull. Now, waiting for the Manager to reach a Supervisor to handle this request I was told that I needed to contact XXXX  to unfreeze my credit report. After returning to work I did exactly that and while not expecting to have my credit file compromised with an Hard Credit Pull. I was told once again by an PenFed employee over the phone now. That my account was all setup and only a Soft credit pull was done I have called several times to PenFed to ask that this inquiry be removed! However, it seems to be more difficult than I expect.
Product: Vehicle loan or lease

Last Updated XXXX, 2025 Payment Status At least 120 days or more than four payments past due Worst Delinquency Repossession Balance {$14000.00} Credit Limit
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

On, or around of XX/XX/. After several letters, of disputing! Experian still reporting US BKPT CT. Fr  XXXX to present? XXXX XXXX. say I owe {$490.00}. Still waiting on validation? XXXX XXXX XXXX. XXXX XXXX - XX/XX/. claim I owe {$430.00}. No validation? XXXX, reported to XXXX XXXX, XX/XX/ - XX/XX/. claim I owe {$1600.00}. No validation! XXXX XXXX XXXX, XXXX. No validation! XXXX, reported to XXXX XXXX XXXX, XXXX. claim I owe {$4.00}. XXXX XXXX XXXX, XXXXclaim I owe {$1600.00}. XXXX XXXX, XXXX {$1200.00}. XXXX   XXXX XXXX, Clsd. {$1200.00}. XXXX XXXX XXXX XXXX ChrgOff.
Product: Debt collection

I have received several calls from a company called Advanced Capital Solutions about a payday loan that I supposedly received from XXXX. I have informed them on all of the calls that I am not aware of what loan they 're referring to & have repeatedly requested information in writing stating who I owed the money to, when loan originated, whenwhen the funds were deposited into my account, when they tried to withdraw the funds from my account & how much I owed. They said that they would send me an email which I never received. I then received another phone call today in which I asked the woman to send me the information via postal mail since I never received the emails that they supposedly sent & she refused saying that it would be too costly to the company to send anything through the postal service. I did, however receive an email but it only stated that I owed {$530.00}, it contained no other information that I requested. I suspect that this is a scam attempting to collect on a old debt or debt that I know nothing about.
Product: Credit card or prepaid card

The company failed to maintain the autopay amounts on my Sears credit card account. This resulted in the following fees/finance charges being accessed to my credit card account. 

I have attempted to resolved the issue with the bank directly. They have failed to properly resolve the complaint. Please refer to attached file for a complete description of issue.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), 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. 

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

On or about XX/XX/XXXX, I contacted Toyota Financial services after making 12 months of on-time payments to refinance the vehicle loan, as my credit score increased, and the 15.9 % interest rates was too high. They indicated that they did not refinancing. On XX/XX/XXXX, I attempted to trade in the vehicle, but they indicated the vehicle was only worth {$8000.00} due to the recalls for theft. I indicated that I owed XXXX on the vehicle. Rather than trade the car in, I opted to do a voluntary repossession. I dropped the vehicle off at XXXX XXXX XXXX, and called Toyota within the next hour to let them know that I voluntarily repossessed the vehicle due to the fact of the vehicle value and the amount of my loan balance. I was told I would be called within 3 days. I never received any additional bills, notices that payment was late or any other notifications about the account. On XX/XX/XXXX, I received a phone call from a Toyota representative that indicated the account was 60 days past due. I asked to speak to a supervisor and I was told I would be called in the next 3 business days. On or about XX/XX/XXXX, another representative called and indicated that they could not locate the vehicle at the address that I provided. I indicated to them that they need to check the security cameras that would show they vehicle and the keys were left with the repo manager.
Product: Debt collection

To Whom It May Concern, I am writing to file a formal complaint against Clear Recovery, a debt collection agency, regarding their attempts to collect a debt that has been legally resolved through a credit card chargeback. 

Details : Creditor : XXXX XXXX XXXX : {$79.00} Chargeback Resolution Date : XX/XX/year> Collection Agency : Clear Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX Background : On XX/XX/year>, my credit card issuer ruled in my favor concerning a disputed charge from XXXX XXXX, reversing the charge after a thorough investigation. I notified XXXX XXXX of this resolution, and they confirmed by phone that they would close the matter.

Despite this, Clear Recovery has contacted me, attempting to collect the same debt. They claim that because I still possess the item in question, the debt remains valid. However, I have made multiple attempts to return the item, but XXXX XXXX refused to provide a return label or any means to do so. 

Legal Concerns : FDCPA Violation : Attempting to collect a debt that has been resolved through a chargeback may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ).

FCRA Violation : If Clear Recovery reports this disputed debt to credit bureaus, it could violate the Fair Credit Reporting Act ( FCRA ) by furnishing knowingly inaccurate information.

I request that your office investigate this matter and take appropriate action to ensure that Clear Recovery ceases all collection activities related to this resolved debt. 

Thank you for your attention to this matter.
Product: Debt collection

On XX/XX/XXXX I contacted XXXX XXXX XXXX and was told to send written request to said office to obtain validation of debt and payment statement ( some type of form so that I may submit payment in full via certified mail ). I sent written request via certified mail on XXXX to which XXXX XXXX recieved on XXXX. On XX/XX/XXXX XXXX XXXX sent me only a validation of debt letter ( which did not have all correct information ) I again contacted XXXX XXXX on XX/XX/XXXX requesting that the payment statement be sent to me so that I may make payment. I was told by XXXX that I would need to send written request and that if I sent in payment I would receive a dismissal in the mail within 10 days and that a dismissal would be sent to the courts as well ( there is no summon for me with the courts and she told me that she could not tell me what documentation was sent to me or anywhere else and advised me to seek legal assistance if I wanted such information ). I have since contacted my county clerk office, and no court summon has been created against me. I called back to XXXX XXXX the same day and spoke with XXXX, who I informed that I already sent in written request for a payment slip to be sent to me and he said he would put in a request for this to be reviewed and that I should follow up in a week or two. If I was  to make payment over the phone they could email me a copy of payment and it would also be sent to my origianl creditor. I would like a statement of collection attempt sent to me so that I may make  payment. I would like documentation of debt reported paid in full when I pay. This collection agency has sent zero correspondence to me before I contacted them via phone and mailed in a request for documents. 
I have recorded conversations of all above information, including all contact with XXXX XXXX, Arbor Solutions and XXXX XXXX XXXX.