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

Dear Credit Reporting Department I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the XXXX XXXX  credit reporting agencies. I recently disputed a charge-off for {$16000.00} from XXXX XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. Given XXXX conclusion and deletion of the account, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) ( 611 and 623 ), which mandates that all information on my credit reports be accurate and verifiable. Since this account has been deemed unverifiable and deleted by XXXX, I trust that you would do the same. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that Credit reporting agencys does the same and remove this unverifiable account from my credit report. 


I trust this matter will be resolved promptly. Thank you for your cooperation, and I look forward to your response within the next 30 days.
Product: Credit reporting or other personal consumer reports

I am rewriting to express my dissatisfaction with the inaccurate information present on my credit file reported by TRANSUNION. The details in question lack proper certification, validation, and physical verification, rendering them questionable and not proven to be valid. My address is XXXX XXXX PL, XXXX, CO XXXX, and my name is XXXX XXXX XXXX XXXX, born on XXXX. I have identified potentially duplicative and unquestionably dubious requests on my credit record, lacking any authorization from me. As a consumer, I am within my rights to request the prompt removal of these late payments, as they violate both federal and state consumer/civil rights. This complaint serves as a formal request for compliance with XXXX XXXX XXXX Section XXXX, which explicitly mandates a clear description of the reporting process. This issue pertains to the accuracy of data and the reporting procedures. I have also attached the FTC report to support this compliant with the FTC report number XXXX for your reference.
Product: Payday loan, title loan, personal loan, or advance loan

I requested the Louisiana XXXX Benefits and was told I didn't meet the requirements. This organization is very misleading to the service of the armed forces. XXXX XXXX and XXXX honored this benefit! Please look into this because they are known for taking advantage of soldiers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Monitoring agencies had glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. I have asked for investigations, I have made phone calls to Bureaus and collectors, without any prevail or response in a timely manner. 

No notice was ever given which is also a violation and I am requesting that ALL previous collectors be removed. I am unable to obtain a mortgage because of errors on my credit report that were not investigated properly. The glitch caused investigations to take longer than 30 days and late payments to be removed and then readded on over 2 accounts XXXX  and XXXX XXXX. If these companies have verification that I was late it defaulted on a loan a late payment should not have been removed then placed back onto my reports. There are error on my reports from Natural Disasters in 2016. These reports are undeniably creating missed job opportunities during this pandemic, mortgage loan failures, and causing more problems on my life during such a crucial time in the economy.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A CAINE & WEINER WHO IS REPRESENTING THE ORIGINAL CREDITOR PROGRESSIVE INSURANCE THAT IS REFLECT ON MY CBR AS NEGATIVE IN WHICH I NEVER HAS THIS ACCOUNT ... THEIR CONTACT INFORMATION IS P.O BOX XXXX XXXX XXXX, CA XXXX ... .THERE IS ALSO AN XXXX   XXXX XXXX  ACCOUNT THAT REFLECTS AS NEGATIVE ON MY CBR IN THE AMOUNT OF {$1200.00}. THE ORIGINAL CREDITOR IS THE XXXX XXXX XXXX .THIS IS ANOTHER ACCOUNT THAT DOES NOT BELONG TO ME. I AM UNAWARE OF HOW THIS IS BEING ATTACHED TO MY CBR ... PLEASE DELETE THESE ACCOUNTS ASAP DUE TO THE NEGATIVE EFFECT IT IS HAVING ON MY CREDIT REPORT ....
Product: Debt collection

i sent a letter to Nelnet in XX/XX/XXXX- see attached requesting the following information. 
What money you say i owe for MULTIPLE LOANS? XXXX years ago. XXXX and XXXX Explain and show me how you calculated what you say i owe Provide me with copies of any papers that show i agreed to pay what you say i owe Provide original creditor Show me they are licensed in my state and provide me license number Provide how interest fees were calculated from original dates since XXXX and XXXX Provide original documents from XXXX and XXXX school original documents. 
LOAN {$19000.00} LOAN {$20000.00} LOAN {$20000.00} LOAN {$12000.00} LOAN {$12000.00} LOAN {$16000.00} LOAN {$15000.00} LOAN {$1900.00} LOAN {$590.00} THEY HAVE AROUND XXXX SEPARATE OPEN ACCOUNTS ON THESE ACCOUNTS SEE ATTACHED DOCUMENTS MAILED TO THIS COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 reporting or other personal consumer reports

I have a discover Card on my report, I did not open an account with Discover, nor did I co sign on a account. I want this removed from my credit report ASAP. Under the current laws I thought that company had to prove that an account belong to the person before placing on a report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit bureaus to corrected a fradulent file on my account which is from company by the name of m & t bank. They have received funds from the VA and from over 400.000 from me, VA and the State Banruptcy department. They pretended to be a mortgage and then did not except mortgage payments. Would not dispense escrow money account.This company has been pretending to be a mortgage company from some time. They shown up in the courts hand have provided illegal documents to take our home with the XXXX County Court system. I Ccan be reach ed at XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Texas Tenant Law states that if a tenant is a victim of XXXX XXXX and the XXXX  is also on the lease then the victim can move without any notification to anyone. Also i am not held responsible for any of the remaining balances. Ive attached a copy of the police report as well as the tenant laws for your records.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX # XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a discounted pricing with Credit Check Total for the amount of $ XXXX. I noticed that on X/XX/2017 and X/XX/2017 my account was charged for {$32.00} each month without any updates to advise of a price adjustment, promotional offer expiring or anything. Upon calling today, I was credit for one month of service and requested for a price adjustment for the second month to the agreed price and was advised that was against their policy by supervisor XXXX. In addition, Im disputing the amount of {$32.00} with my bank and also filing a complaint with the FTC for fraudulent charges.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

Equifax, XXXX and XXXX keep reporting outdated negative information. I disputed a number of things over XXXX yrs ago but they continue to update as if they are new accounts and in good standing and paid and closed. Neither company is allowing me access to my file. I am requesting that you investigate this and also assist me in checking my file weekly so that I can see if I am a victim of identity theft. I would also like to send you my old credit reports from over XXXX yrs ago by mail.
Product: Money transfer, virtual currency, or money service

This request is a time sensitive matter before submit to XX/XX/XXXX. XXXX XXXX  had frozen PA unemployment compensation checks during the XXXX  XXXX, XXXX to XXXX. A remediation is underway for a refund to the affected including myself. I supported myself and others using my savings account. I also transferred money by Western Union in that period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account named community bank/jared XXXX XXXX on my XXXX credit report this is the first XXXX digits of the account number XXXX I do not have the last XXXX digits of the account number sorry. you are in direct violation of the fair credit reporting act has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A section2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting Act.
Product: Debt collection

HARRIS & HARRIS has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my infants private information including medical record number and date of a major surgery. This is a major HIPPA violation because I have never done business with HARRIS & HARRIS yet they have attached a false medical debt to my consumer reports defaming my reputation, name and brand. I have never signed a contract with this corporation & have no idea how they gained access to our personal private medical information. They have committed identity theft according to federal law and have given me health and marital problem due to their illegal tactics. My request has gone ignored for a month now & I am enforcing the law. A final notice of default has been sent to the company via certified mail. Complaint is also being forwarded to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Thank you very much for your time.
Product: Credit card or prepaid card

I am very frustrated! Some company online stole my information and charged over 1000 dollars from my unemployment account. Its ReliaCard, They have put in a dispute they say? I can not pay my bills because they have a hold on my unemployment money. Why should I be punished for the people who stole my identity. I am completely broke and can not pay my bills my rent is going on 2 months late! This ReliaCard is horrible. When I call they do not know what they are talking about, I get a different response every time, I have sent in my drivers license, my sac. A electric bill, what do they want next my DNA. Please please help me.
Product: Debt collection

As of XX/XX/2022, I the consumer, have been in receipt of a response made by Resurgent Capital Services, " they ''. 

This complaint is in response to Resurgent Capital Services, Reference Number : XXXX. 

As of XX/XX/2022 I was informed that Resurgent Capital Services became the Owner of an Account which contains an alleged debt as they purchased the Account with XXXX XXXX XXXX  XXXX. It is noted that the Account charged off on XX/XX/2022 with a balance of {$900.00}. As of XX/XX/2022 I have never made any direct contact with Resurgent Capital Services, I have never provided them with any consent that I would like to do business with Resurgent Capital Services, and I have not received any communication from Resurgent Capital Services which indicates that I lawfully owe Resurgent Capital Services {$900.00}. 

I am aware that the banking system depends on fair and accurate credit reporting and I am saddened to know that there have been unfair and inaccurate credit reports furnished without my consent to Consumer Reporting Agencies, " cras '' which is not in accordance with the Fair Credit Reporting Act. 

Due to this companies negligent and unlawful behavior, I regretfully will stop doing business with anyone unless my concerns are addressed.
Product: Credit reporting or other personal consumer reports

Invalid information that doesnt match all together on the 3 credit reporting agencies. XXXX, XXXX, Transunion : Date Opened Last Reported Date Last active Date of last payment All 3 is showing different payment history! INACCURATE & Not acceptable.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft I dont understand or recognize the item
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thanks you.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate reporting by XXXX Credit Card, which has persisted despite my repeated attempts to resolve it directly with the company. 

In XXXX and XXXX of XXXX, I noticed two late payments erroneously appearing on my XXXX Credit Card account. This discovery was particularly perplexing as there was no outstanding balance on the card during that period. 

Since noticing these inaccuracies in XXXX of XXXX, I have diligently contacted XXXX Credit Card 's customer service every other week to address the issue. Despite my consistent efforts and assurances from over 20 representatives that the late payment remarks would be removed, the problem persists. 

Additionally, I attempted multiple times to use XXXX Credit Card 's online system to set up recurring payments. Each time, the system indicated that the setup was saved, but the payments were never auto-processed. As a result, I had to manually log in to make payments, and there was never any balance owed. 

Despite providing updated information, including my correct email address and mailing address, the company continues to reference an old email address that I no longer have access to. Despite promises of resolution during phone calls and messages through secure channels, the late payment remarks have not been removed. 

This inaccurate reporting not only affects my credit history but also undermines my financial credibility, despite my flawless payment record across all other accounts. The inability of XXXX Credit Card to rectify this issue is deeply concerning, and I believe it constitutes a violation of consumer rights and fair credit reporting practices. 

I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter and ensure that XXXX Credit Card rectifies the inaccurate reporting promptly. 

Thank you for your attention to this matter.
Product: Payday loan

On XXXX/XXXX/2015, I obtained a payday loan for {$400.00}. Starting on XXXX/XXXX/2015, I have been paying back on the loan in the amount of {$100.00} each month. 

XXXX/XXXX/2015 - {$100.00} XXXX/XXXX/2015 - {$100.00} XXXX/XXXX/2015 - {$100.00} XXXX/XXXX/2015 - {$100.00} The above payments totaling {$400.00} have been ACH debited from my checking account to repay the payday loan. As of XXXX/XXXX/2015, my payday loan account information on the www.castlepaydayloan.com website is showing an outstanding balance of {$20.00} that still needs to be paid towards the payday loan. When I contacted Castle Payday Loans customer service department on XXXX/XXXX/2015, to pay the remaining {$20.00} owed on the payday loan, I was advised that I still needed to pay {$520.00} towards the payday loan because the {$100.00} payments I have been making every month have only been applied towards interest and finance charges, according to Castle PayDay Loan 's customer service department. I asked to speak to a superviser regarding my account and was transferred to a superviser named XXXX, who advised me that I have not paid towards the payday loan and that the {$400.00} I have paid so far was only for interest on the loan. That is crazy and I do not understand how much money Castle PayDay Loans is expecting me to pay back for a payday loan of {$400.00}. None of their customer service representatives or supervisers can explain it to me to where it makes sense and so that I can understand. I want them to stop ACH debiting my checking account, but they will not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took my covid check and used it o pay off medical bills. on XX/XX/20 I filed disputes on 3 entries that had not been removed. XXXX  and XXXX  did the investigation found the entries to be erroneous and promptly removed them. Equifax " said '' they did an investigation and found these debts to be valid. Since I had paid them I contacted the collection agencies. The collection agencies informed the had a record of being contacted by XXXX  and XXXX. They DID NOT have any record of Equifax contacting them. How could Equifax do an investigation without contacting the collection agency or the original creditor? As of today they refuse to even tell me how it is possible to conduct an investigation without contacting the creditor. Maybe you can get the answers they refuse to give me.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the statute of limitations in my state, this account should not appear on my credit report as they have been on there for XXXX years. Please remove them from all three credit reports. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or a third party. I am filing a complaint on my own behalf because it is my legal RIGHT to do so. I recently found a company that I do not recognize on my credit file from XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. I am requesting that this account be deleted for the failure of proper notification. I can not find any legal document that states XXXX XXXX XXXX XXXX is an entity that can legally enforce a claim upon my person. I believe this to be an error as well as a HIPPA Act violation too!
Product: Credit reporting or other personal consumer reports

I have tried to get Transunion to do a proper investigation multiple times. XXXX and XXXX did their investigation and deleted the account bridgecrest. The account number is XXXX Under the FCRA, TransUnion is required to report only accurate and verifiable information on consumer credit reports. I believe that the repossession in question is being reported in error for the following reasons : Inaccurate Information : I was never notified of the repossession, as required by law Unverifiable Information : The creditor has failed to provide documentation to substantiate the repossession, making the reporting unverifiable under the FCRA ( 15 U.S.C. 1681i ).

In accordance with the FCRA, I respectfully request that TransUnion investigate this matter and delete the inaccurate information from my credit report. Please provide me with written confirmation of the investigation, along with any documentation used in the process. 

Since this is an ongoing past issue I request proof within 15 days or I will be forced to take legal action including Damages of {$1000.00} per violation
Product: Checking or savings account

My spouse and I opened a joint Citi Checking and Savings account on XX/XX/XXXX, and the terms represented that there was a {$400.00} sign on bonus once we fulfilled the requirement of maintaining a balance of {$15000.00} for 90 days. 

We met this requirement by maintaining balances well above the required and called their customer support line to get confirmation. They confirmed we had met all requirements and had to wait for up to 90 days before getting credited. 

After waiting more that 30 days, I received a notification from them that I was being denied the bonus because I didn't qualify. 

I have been skeptical about this bank after reading multiple reviews of people getting fraudulently denied bonuses. They are reputed for deceptive and misleading advertisement and extremely poor customer service. 

Furthermore, they perpetrated similar deception to me 4 years ago and I unfortunately didn't report it then. Their actions is in clear violation of the FTC 's rule against unfair practices by businesses.
Product: Checking or savings account

On XX/XX/2025, I was expecting a direct deposit of my paycheck into my Capital One account. This deposit did not occur. I rely on these funds for essential expenses, and the delay has caused me to overdraft my account as I have automated transactions. 

Capital One did not provide any prior notification of a system outage or potential delays in processing direct deposits. I was not informed of the issue until I checked my account and saw the deposit was missing. 

This lack of communication and the disruption to my direct deposit constitute a significant hardship. I believe Capital One failed to provide adequate notice and maintain reliable services, which has negatively impacted my financial well-being.