23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to all 3 credit bureaus- XXXX XXXX XXXX XXXX and Experian disputing this Account with ( XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE.

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account.

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are FRAUDULENT items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am submitting a complaint regarding these negative items and for assistance to REMOVE it from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am disputing several inaccuracies on my Equifax credit report that I believe are incorrect. These accounts do not reflect accurate information, and I am hoping that they can be reviewed and corrected. Also, there are two unauthorized inquiries that need to be removed. Please see the details below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/2021, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Product: Vehicle loan or lease

XX/XX/17 {$3000.00} I took a lost I have a balance on my credit that is not correct
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX : {$25000.00}
Product: Credit card or prepaid card

Synchrony bank is an online bank through which I purchased a laptop computer via another online retailer ( XXXX & XXXX ). Synchrony bank did not mail me ( or email me ) any statements and in XX/XX/XXXX added a whopping {$1000.00} charge to my account when my balance was down to {$740.00}. I called them to pay off the balance without this charge and see if I could get the interest from XXXX and XX/XX/XXXX reimbursed to my account. Synchrony was unwilling to discuss the issue to resolve and offered no alternative to me other than to file a complaint with you. 

Synchrony bank told me that I could log into my account to see the statements but that is incorrect. I can not see the statements as they pop up in the browser in a tiny window that is illegible. To view the statements correctly, I would be required to download the PDF as I can not see the statement online without downloading them. This practice appears to be unlawful. I have downloaded and attached the statements from XX/XX/XXXX and XXXX XX/XX/XXXX. 

See attached pop up statement that is illegible on the computer screen. After downloading this file I need a 3rd party viewer ( XXXX XXXX ) to open the file. I also do not know the full account number as I do not have a card, I only know the last 4 digits of the account that end in XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. Despite multiple attempts to address this issue, the late open accounts persist, adversely affecting my creditworthiness and financial standing. I have provided detailed documentation and evidence to support the correction of these inaccuracies, yet they remain unresolved. 

I kindly request an update on the status of my requests and urge you to prioritize the correction of these late open accounts without further delay. Your prompt action is essential in resolving this issue and restoring confidence in the accuracy of my credit report. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$200.00} ; XXXX XXXXXXXX Balance Owed : {$4200.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$980.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested copies of my receipts of payment from a original loan that was taken out with this company and paid off. They stated that they would do so and contact me back .The company could not provide me with this and got upset when I requested them after the branch manager promised them to me within XXXX days. I called they did not have them and forwarded me to corporate. The local store stated that I refinanced a loan with them and I do not recall doing this. All the payments that were made they stated that they have receipt books in a storage and she do not have them after I was told by her she did .The balance on this account reflects more then what the original loan was by greater then 60 %. Also I notice that they increased the balance today by XXXX XXXX when this is supposed to be a so called closed charge off per them later on XXXX  yrs later I have a new loan with them and a balance when I know I initially paid them off in full. and also I was not given my original contract or so called refinanced contract when I asked. Every month they are still reporting that I owe them as a open account and increasing the balance and placed this item on my credit report that I am requesting to be removed.
Product: Debt collection

To consumer Financial Protection Bureau XX/XX/XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX, VA XXXX And PRA Group Inc,XXXX XXXXXXXX XXXX, XXXX XXXX VA XXXX Dont want to understand, that account, account number XXXX not mines, I denied account Portfolio Recovery Associates , LLC, on an error They have continues sending letters and letters to my home without stop PRA Group IncXXXX XXXX XXXX, XXXX, VA XXXX has XXXX and to respond to my letter dated, see attached letter dated XXXX XXXX In return, retaliating and stalking, they mailed me the attached letter date XXXX As advise by Federal Trade Commission ID Theft Account XXXX not be any longer on my credit file and also to have account deleted from my credit file as advise by Federal Trade Commission Within 4 days as per at the receipt of this complaint Please find attached ID Theft report, dated XX/XX/XXXX And also to remove case from XXXX XXXX XXXX, case court number XXXX voluntarily within 15 days, after the filling on this complaint to Consumer Financial Credit Bureau Im requesting Immediately action , this matter is affecting me the ability to obtain credit and harming my credit file Portfolio Recovery Associates , LLC is obligated to provide me with a signed contract with my signature, they have never provide me with the document, Portfolio Recovery Associates continues and continues ignoring my letters and stalking me without stop Im attaching documents, ID Theft Report, FCRA 605B ( 15 U.S.C. 1681c-2 ), document, My letter dated XXXX XXXX, and Portfolio Recovery Associates LLC , letter dated XX/XX/XXXX Thank you XXXX XXXX
Product: Debt collection

On XX/XX/2023, Grant & Weber received a police report and an identity theft affidavit via certified mail # XXXX ( see proof of delivery attached ). After speaking with Representative, I was told that nothing had been received and therefore no actions would be taken regarding the debt. 

Grant & Weber is not in compliance with FCRA because they are ignoring the police report and identity theft affidavit that was received. 







To immediately remove the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information in the attachments with no Creditors how can I legally pay for something or be obligated when I don't know who it is!? 
FRCA violations : see below and attachments :
Product: Credit reporting or other personal consumer reports

I filed complaint number XXXX on the CFPB website on XX/XX/ in reference to inaccurate information i saw on my credit file. I have attempted to address the inaccuracy numerous times with Trans Union. Because this company receives monetary gain from the negative information on my file Trans Union refuses to acknowledge the document I received from a government source that substantiates the claims that this account is paid in full. Trans Union has admitted to not investigating nor reinvestigating the information and to carelessly allowing me harm to my financial standing. Trans Union has updated dates and other information related to the account but not the paid in full status. I am continuously held XXXX by Trans Unions lack and protection of my intimate relationships.
Product: Credit reporting or other personal consumer reports

The following items I have been trying for months now yo get removed they are not my account and misleading. I reach out to the credit Bureau and get no help whatsoever. Items and companies I never did business with are has follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have had a score of XXXX and up... .recently I had negative remarks and credit score drop significantly and inquired on Experian site. 


saw XXXX XXXX accounts and disputed on Experian as well as called XXXX... .at first they told me I had no record with my social of having an account and when I said impossible as its on My credit report ... Representative was very unknowledgeable to the process. 

I called back a second time to be told they could not give me information on this account and after a long lengthy heated conversation of if I am the consumer and its on my credit report ..I need information ..... 

again ... .another phone call I got this is a buy and pay later account and and the transaction was done in Arizona and I live in XXXX XXXX XXXX this is not my charge Experian send an email that dispute was resolved and this debt is valid ... ..it is not valid ... .I have no XXXX account and made no purchases at a retail store in Arizona ... ..please help XXXX.. .the delinquency is killing my score ....
Product: Credit reporting or other personal consumer reports

Exeter finance submitted a fraudulent response to CFPB on a complaint that I submitted in XX/XX/scrub> 2025. Clearly, the representative at the XXXX XXXX XXXX XXXX did not review the full complaint or see the documentation that was attached. In fact, Exeter has continued to have a late payment comment placed on my credit report. I spoke with the woman who responded to the most recent CF0B complaint that I submitted on XX/XX/year>2025 ansld she is clearly aware she submitted a false statement to CFPB and that there is correction that is needed on my credit reports. This is now the fourth complaint that I am submitting against Exeter. I am demanding that you all remove the late comment. As I have continued to furnish proof that it is still existing on my credit reports if this is not done bye. XX/XX/year>2025, I will be filing a civil complaint and seeking punitive damages. As you all have already admitted that the information should not be there. Yet you all have taken no action to remove the comment after nearly 3 years. This is unacceptable. Exeter has made no effort to contact me or genuinely resolve the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, My name is XXXX XXXX, Im submitting a complaint against XXXX, XXXX, and TransUnion. I acquired my credit reports from annual credit report.com and I put in a dispute on a XXXX  XXXX on my report. I submitted my dispute to all 3 bureaus on XX/XX/2022 asking what method of verification did they use to verify my XXXX and no response after 45 days. After no response I called each bureau and explained to the representatives my concerns and I was told the method was verified through XXXX XXXX. On XX/XX/XXXX I sent a letter to each bureaus to delete the XXXX because I received a letter from XXXX XXXX stating that the XXXX was deleted because it wasnt verified. I received no response from TransUnion and XXXX. XXXX said they verified it through XXXX XXXX which I dont understand how could they verify through XXXX XXXX if the XXXX dont exist on my report.
Product: Credit card

XX/XX/year> Received an XXXX XXXX OFFER TO GET {$400.00} and XXXX miles if you open a new card ( appears in the XXXX flight booking page ) Decide to open to card to book this flight Card is approved with {$8600.00} limit ( flight is ~ XXXX XXXX ) Have to Get temp card number to use the card right away Temp card number does not work - temp credit limit is only {$2600.00} Would never have opened the card if I knew I could not use it to book this flight and the temp limit would be so low. 


Called Citi- they transferred me to the rewards number ( on hold XXXX minutes ) rewards people can not help at all Called citi again - they transferred me to another citi rep ( on hold another XXXX minutes ). That rep told me I needed to call another number for help Asked to have my card closed since I am unable to use it for the flights I opened it for - they said they can not do that and I need to call a different CITI number How is it that I can not use the card to purchase the flight when the offer was there to get rewards for booking the flight? And my limit is above the cost of the flight? Did not tell me the temp card would have a lower limit until after it was already opened and then will not let me cancel the card. 

Also, they do not let you talk to anyone who can actually resolve your problem. I spoke with XXXX different people who continually directed me to someone else after I explained my problem
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX violated my rights. 
XXXX Account # XXXX has violated my rights XXXX 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 an 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

My information was used to purchased goods and service from XXXXXXXX XXXX without my notice and authorization. I was never aware of the account till collected sending me statement collecting the amount they said I owed to them. I never open such an account, and I didn't authorized anyone to open the account. I have not benefited from the service and up to date I didn't know who opened and benefit using my identity.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 at XXXX XXXX I transferred XXXX IOTX coins ( valued at {$190.00} at the time of transfer ) from my wallet in XXXX to my wallet in Coinbase with the intension of trading it in Coinbase to make some gains on my investment. According to XXXX the transaction was completed successfully. They give you what is called a transaction hash which allows you to click on a link that takes you to the transaction explorer in the IOTX network. I went to my Coinbase app to check my account and I noticed that my coins had not been received yet. I figured it would take some time because of traffic in the block chain. After some time I decided to check again and I noticed that coins were not there. I decided to do some research so I went to the transaction explorer in the IOTX network and noticed that the transaction was actually showing two different receiving addresses. One is called a Web.3 address and the other one is an IOTX address. The address that I got from Coinbase to receive the coins is the Web.3 address and that's the one I used to perform the transfer. The IOTX address that was created was created by the IOTX network because XXXX only handles native coins for IOTX and the reason why Coinbase gave me a Web.3 address is because they handle the IOTX coin in the ethereum base format. The issue here is that neither Coinbase, XXXX or XXXX ( which is the company that owns the IOTX coins ) made it clear for me to know that the coins had several formats and if I tried to transfer between exchanges that handled the different formats that the coins would get lost. The coins transferred from XXXX  were in the native format and the coins handled by Coinbase are in ethereum base format. I believe that XXXX should put something in place that would block one format from being transferred to another place that handles a different format. But even though Coinbase says that the coins are lost, that is not true. The wallet that resides within the Coinbase network that holds those coins has the ability to hold both formats. According to XXXX the same wallet will hold them both and that is the reason why if you if you import the address into a different wallet you are able to see the coins. 

What I'm trying to accomplish here is to retrieve my coins. So I got in touch with Coinbase to see if they can enable the native IOTX coins so that I can transfer them into my own XXXX wallet and be able to manage them myself. But the only thing I have gotten from them from all my emails and tweets are automated messages and it seems that no one is willing to help me with this problem. If they can't help me retrieve my coins then they should reimburse the value of the coins at the current time because they have gained value since the transfer transaction happened. The value of the coins at the time of this complaint is {$320.00}.

According to XXXX, the only one who can help with this issue is Coinbase so I would like Coinbase to fix this issue. Either help me retrieve my coins or pay me their value.
Product: Credit card or prepaid card

This is another complaint to your bureau. 
I submitted many documents to BBT, and various departments in BBT, your agency, and the XXXX  about a BBT bank transaction in the Summer of XXXX. 
I once again on XX/XX/XXXX, faxed a copy of the said credit card bill and the transaction receipt for payment of the charge of {$210.00} that I made XX/XX/XXXX on-time at the BBT teller window. These two items were faxed to the BBT Dispute Center at XXXX XXXXXXXX to the attention of their Administrator. The center phone # is XXXX. I received a confirmation that the fax was received at the center. I have not heard back from any BBT representative in regard to this. 

I would like all the interest charges, late fees, etc. reversed, as well as rescinding of the negative reports to various credit agencies on the part of BBT. I am tired of receiving collection calls on a bill I paid and paid promptly. 
I had originally reported the problem to the BBT CEO 's office in XX/XX/XXXX, and throughout BBT, but the situation remains unresolved. Please help me put an end to this, it is affecting my health.
Product: Debt collection

just got a letter from this company, saying that I owe some money to a XXXX account that I closed years ago, I don't owe any money to that company and my apparently debt with XXXX has passed around to some other debt collectors and I tried to talk to the cellular company but they said that they don't have my file and my file was passed on the debt collectors
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I just got a copy of my credit report. I noticed that you are reporting this account incorrectly. this collection account is not only reporting as PAID/CLOSED, but also shows a past due balance of XXXX. According to the FCRA, I have the right to an accurate credit report. please provide me a copy of my new credit report reflecting this account removed upon completion