23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called my credit card company ( XXXX XXXX XXXX  ) and asked what was going on because I see on my credit report that the company has me in collection. I stated to my card company that I do not have a balance on my card. The CSR looked into my account and stated that my account was not in collection and there is no balance. I asked why was it showing their name and the CSR stated there was not anything in the system showing other than my up to date card with no balance in good standing. I then hung up and called the company XXXX XXXX. I explained to them what I told my credit card company. They looked into their database and said they see a credit card with my name on it. I told them I only own one card and it is active and in good standing. I also informed the company that I am a victim of identity theft and that someone open an account in my name. They kept insisting that it belongs to me when I told them I call the credit card company and they have no knowledge of it and I have a card with the company for several years in very good standing and no balance. This XXXX  XXXX  refuses to listen or remove the account regardless of how many times I dispute this account.
Product: Money transfer, virtual currency, or money service

Chase bank released the funds of the fake check into my account when I called to asked why it was on hold ( the check was from the scammers ) I was supposed to pay for the installation of the XXXX XXXX decal stickers for a marketing campaign. They told me no problem the funds are released. And after I noticed the irregularities I called the bank immediately to stop the transfer they made me do. The transaction was still pending. They said so sorry we cant stop it or reverse those funds. But the next day they reversed the funds of the fake check out of my account to be me the only victim of the scammers. Thats completely unfair. Im a divorce mother of XXXX children just trying to make extra money for my household. They bank is responsible for releasing the funds of a fraudulent check!
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for improperly handling my credit dispute regarding late payment removals. I originally disputed the late payments on my [ specific account ] with Experian on XX/XX/year>. However, despite the 30-day investigation requirement under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian modified my dispute and reset the dispute date to XX/XX/year>, thereby unlawfully extending the investigation period. 

This modification is unlawful and deceptive for the following reasons : 1. Violation of FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Credit reporting agencies ( CRAs ) must complete reinvestigations within 30 days from the original dispute date unless additional information is provided by the consumer. I did not submit any new information to warrant a reset of the dispute date. 
2. Violation of FCRA 15 U.S.C. 1681i ( a ) ( 3 ) ( A ) : CRAs can not delay or extend the dispute process by modifying the original dispute date. Experians actions unfairly prolong my dispute and prevent my credit report from being updated accurately in a timely manner.

3. Violation of FCRA 15 U.S.C. 1681e ( b ) : Credit bureaus must ensure maximum possible accuracy in consumer reports. XXXX has already removed the late payments, yet Experian continues to report outdated and incorrect information, showing their lack of adherence to accuracy standards. 
4. Unfair and Deceptive Practices ( UDAP ) Violation : By misleadingly altering my dispute date, Experian engages in deceptive business practices under 15 U.S.C. 45 ( a ) ( Federal Trade Commission Act ), which prohibits unfair or deceptive acts affecting commerce.

Relief Requested : I demand the following corrective actions : 1. Immediate correction of my credit report to remove the disputed late payments, aligning with XXXX findings. 
2. Reinstatement of my original dispute date of XX/XX/year>, to ensure compliance with the 30-day investigation limit. 
3. Investigation into Experians dispute-handling practices to prevent similar violations for other consumers. 

Please acknowledge receipt of this complaint and inform me of the next steps. If this issue is not promptly resolved, I will consider further action, including escalation to the Federal Trade Commission ( FTC ) and potential legal remedies. 

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

Debt was paid to Radius Global solutions and is still on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a foreclosure on my home in XXXX. Ditech reported it on my credit in XXXX XXXX. The charge-off is past the statute of limitations. We tried to purchase a home a year ago, but could not. XXXX XXXX XXXX contacted Ditech telling them this debt ( charge-off of {$35000.00} ) was too old and needed to be removed. They refused to remove it, stating we had made payments in XXXX, XXXX and XXXX of that year ( XXXX ). We were unable to purchase a home due to their fraudulent claims. <P/>I disputed it with XXXX and thankfully they removed it. I have tried to dispute with XXXX ( XXXX XXXX ), but  Ditech reported we never missed a payment from XXXX to XXXX and we make payments on the loan every 3-4 months. They have not reported to XXXX any payments received by me, but the total amount is still on that report. <P/>We have received settlement opportunities from Ditech in the mail with the original amount of {$35000.00}, with a settlement offer of {$30000.00}. If they have reported we paid faithfully from XXXX, how is the loan the same amount? Clearly, we have not made any payments whatsoever to them since the foreclosure. I have documentation through my banking that no payments have been made to them. Since there are too many bank statements in a 7-year period to upload for this claim, we are asking that Ditech show " proof '' of my supposed payments to them. <P/>At this point, we are going to have to seek out legal counsel, which would be a hardship to do. But, this has prevented us from purchasing a home, paying high rental rates to rent a home and higher interest rates on everything unnecessarily for the past 3 years. This has been so frustrating and devastating to our family not to be able to own a home after 10 years. We are asking to please offer any kind of solution on how to get this resolved as quickly as possible. <P/>Thank you so much for your time with this sensitive matter. We would greatly appreciate any help. <P/>Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

Kindly delete these inquiries. I am unaware of them and the company acted without my permission.
Product: Credit reporting

All Collection or Charge-Off accounts on credit report should reflect a closed status. By leaving the status as open, my balance has changed several times from the collection and/or charged off amount. My understanding is that " Open '' accounts influence your credit score much more harshly than " Closed '' accounts. If a company has " Charged Off '' or sent your account to " Collections '' should n't it be closed from reporting every month as a revolving or installment account?
Product: Credit reporting

I am a victim of identity theft and theres hard inquiries that are not mines and i been calling all the credit companys for them to take it out to take it of my credit and no body take it out so i need to take it out and asking or ur help because this situation is affecting my credit and there are n't mines thanks any information you need you contac me by email XXXXXXXXXXXX thanks
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XX/XX/2025 XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Formal Dispute Regrading Inaccurate Information On My Credit Report. 


Dear XXXX, Due to the data breach I was a part of.

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial Well-being. I am Aware of my rights under the Fair Credit Reporting Act and requesting a thorough investigation into these and accuracies, as required by the federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes citing sham investigation and other unlawful practices these practice as outlined by the CFPB include ; Conducting inadequate investigations that fails to address consumer disputes properly, Reinstating previously disputed and inaccurate information without explanation.

This account was a charge off with balance and balance due. You have not send a 1099c on this account. And you keep reinserting this matter on my report. This account was to be deleted years ago.

Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumers protections and perpetuate the inclusion of inaccurate information on credit report I am deeply concerned that my dispute maybe mishandle and a similar matter.
Product: Checking or savings account

I had a banking relationship with Citibank for 20 years + all of the sudden they decided to close my banking relationship and blocked all my accounts including access to my credit cards. I attempted to contact them, but they keep me bouncing from one department to another without providing me with a solution. This was the most horrific client experience I DO NOT RECOMMEND CITIBANK FOR ANYTHING. Their compliance department lacks knowledge and understanding risk. Lastly, Citibank informed me that it will take 30 to 60 day to have my funds release.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information, birth certificate drivers license and social security card was stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report. I did not receive any money, goods, services, or other benefits as a result of the events described in this report. XX/XX/XXXX XX/XX/XXXX # XXXX {$680.00} XX/XX/XXXX# XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX {$360.00} XX/XX/XXXX XXXX & XXXX XXXX # XXXX {$4600.00} XXXX XXXX XXXX # XXXX {$400.00} XXXX XXXX XXXX # XXXX {$0.00} XXXX XXXX # XXXX {$2100.00} XXXX XXXX # XXXX {$300.00} XXXX XXXX # XXXX {$86.00} XXXX XXXX # XXXX {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report on XXXX and I have yet to receive a response. Therefore, I made a complaint on XX/XX/21 on behalf of Experian. Experian responded saying they needed my authorization on XX/XX/21 to proceed with the complaint. I called in to give them my authorization but they said they did not have my complaint on file, which is a lie because I have proof of submitting the complaint. Section 611a states that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my report. It's been more than 90 days. I feel like I'm being taken advantage of and my consumer rights are being infringed upon.. I demand that these accounts be deleted immediately or I will file for litigation because of the XXXX you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX XXXX XXXX and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond stating that someone else is filing complaint. I GIVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Experian and XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Product: Credit card

nothing happened to me personally, however, I feel something needs to be done about the tjmax company advertising over their loudspeakers for shoppers to save 25 % on their purchase by opening a tj max card ... ..what they dont tell the shoppers is the interest rate on the tj max card is 31.99 % on outstanding balances which the majority of their customers carry. The employees that sell the tjmax card don't even know the interest rate on the card, it's printed in the brochure the customer is given when they open the card, but no ones read it. 31.99 %? really... tjmax should at least have their employees know the interest rate and explain how a credit card works
Product: Credit reporting or other personal consumer reports

This evening, I was stunned to see incorrect accounts on my credit report, and I have no clue how this happened. I check my report regularly, but this time, there were discrepancies that appeared out of nowhere. I even tried refreshing the page, hoping it was just a glitch, but nothing changed. I'm really concerned about this and ask that the documents I've sent be thoroughly reviewed to ensure this doesn't happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting or other personal consumer reports

I am following up on my previously submitted dispute regarding an inaccurate and unverifiable account on my credit report, which remains unresolved. Despite my prior request for reinvestigation, I have yet to receive a satisfactory response. Therefore, I am once again requesting the source of this information and the specific methods used to verify its accuracy.
Product: Credit reporting or other personal consumer reports

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong information.
Product: Credit reporting or other personal consumer reports

Pedal the original predator excepted a payment XX/XX/year>. It shows on petals payments that been accepted. Charge off balance is not updated after the payment. The collection company is trying to Collect total collect without the payment being added. This is an accurate as if you look at XXXX XX/XX/year> $ XXXXwas reported paid but not taken away from balance. Both companies are trying to double dip me I would like to see both of these deleted from my account for this harassment. Theyre giving me and damage the cost. Im having this trouble through XXXX and Trans Union
Product: Credit reporting or other personal consumer reports

This is my 8th requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX XXXX Balance Owed : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent credit disputed to this company regarding inaccurate information of two accounts reporting on my credit report. I have not received a response yet, its been longer than 30 days. See the accounts below : 1. XXXX XXXX Account Number XXXX 2. XXXX XXXX Account Number XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, XXXX refuses to provide thorough details for their reinvestigation as to how each are continuously reporting negative information on each accounts. Delete or correct my disputed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/10, I SENT IN MY LETTERS REGARDING INACCURATE AND FALSE ITEMS ON MY CREDIT REPORT. THE ITEMS THAT WERE TAGGED ARE FRAUDULENT AND I DON'T KNOW WHERE THEY CAME FROM. HOPEFULLY I WON'T BE IGNORED OF MY DISPUTE.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, Account : 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 a account without my written instructions.

15 U.S.C 1692b acquisition of location informatio
n by debt collectors.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Mortgage

I have been charged erroneously for late fees that should not have been collected, as my payments were made on time since I had a Bankruptcy in XXXX, and they have also collected a number of fees relating to the Bankruptcy.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Equifax, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to complaint XXXX My name is XXXX XXXX XXXX a federally protected consumer, and I am making this complaint against WORLD FINANCE CORPORATION for furnishing this false and misleading charge off to my consumer report. 
World Acceptance Corporation stated, XXXX XXXX received a loan from our XXXX, GA branch on XX/XX/2017, in the amount of {$420.00}. 
XXXX aware that my signature paid for this transaction, and nothing was actually loaned to me. To insinuate that I was actually loaned anything of equal value constitutes a fraud being committed. 
If this bank did indeed give me a loan as they allege, I would need a senior XXXX member of this organization to put on a sworn statement of facts attesting to that. I am aware that obtaining money by means of a fraudulent loan would make World Acceptance Corporation liable for civil and criminal penalties under 18 Code Code 1341. If this cant be done, World Acceptance Corporation cant allege they loaned me anything and shall return to me, by way of check to the address on file, the {$70.00} I made to this fraudulent loan. 
World Acceptance Corporation state XXXX XXXX debt was charged off, not canceled. 
I would like to thank you for clarifying that the alleged debt was charged off an because it was charged off, I am aware that collection activity should have ceased. Collection activities include reporting delinquencies to the consumer reporting agencies.

I am aware the definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. 
This account is reporting as both inaccurate and false and misleading. You are now committing unlawful extortionate collection activities and in violation of 15 Code 1681s-2 by furnishing knowingly false and misleading information as a means of coercing me to pay this alleged debt.

I am aware and I am invoking my right as the consumer to demand the money audit trial in accordance with 12 U.S. Code 5562 ( c ) ( 10 ). I would need this product of document material as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt. 
Furthermore, in order to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, IRS, in accordance with XXXX XXXX, and XXXX conversions. 
This is my refusal to pay this alleged debt until the documentary evidence requested herein this complaint is provided. 
If any of the above can not be provided, this account must be removed from my consumer report immediately to prevent further harm to me and my financial reputation.