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

This is NOT a duplicate report and this is not filed by a 3rd party or XXXX XXXX XXXX. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 

Account Name : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Debt collection

I have a derogatory mark on my XXXX credit report stating that is accurate and it got sent to collections. However i was never notified about this debt at all and never received the bill. I would like to address this immediately and get this negative remark removed from my report. The original creditor i never did business with them. My id and ssn card was stolen along with my wallet so this is also an act of identity theft.
Product: Debt collection

I sent a letter through the mail on XX/XX/XXXX and the company has not replied to my request of verifying the debt. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature, the company has 30 days to validate/verify the debt, if they are unable to verify they must remove the inaccuracies from my credit report, if not I will submit a complaint to the XXXX, FTC and I will contact my state Attorney General.
Product: Student loan

Dates : XX/XX/XXXX, XX/XX/XXXX. Company : Nelnet , Inc . 

On Monday ( XX/XX/XXXX ), Nelnet contacted me ( phone call with a follow-up email ) to inform that I may quality for the Public Service Loan Forgiveness program ( PSLF ), encouraging me to apply for this program. On Thursday ( XX/XX/XXXX ), I contacted Nelnet with a few questions about the application. After being directed to a Nelnet PSLF specialist, I was told the following : Only full-time/permanent jobs qualify toward the PSLF program ( seasonal/temporary full-time jobs don't qualify )- If you worked for 5 years and was in the PSLF program and got laid off ( had an involuntary break in your work history ), you would lose those previous 5 years of payments toward the PSLF program - Having breaks in your work history ( layoffs, career break, transitions between jobs ) may disqualify you from this program, even if you currently participate in this program - It is recommended for those with a lot of student loans ( example given : {$100000.00} ) to pursue the PSLF program ; it doesn't make as much sense for those with smaller amounts of student debt to participate in this program
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 1681XXXX 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 has violated my rights XXXX 

I looked at my TransUnion credit report on XX/XX/2025 and notice some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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: Debt collection

LVNV FUNDING LLC ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$740.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

The company is reporting fraudulent inaccurate information on my credit report. I have requested numerous times that they provide me with the purchase agreement to show full ownership of such an account and also other documents to prove such debt, In which, they have not. I have never done business with this company
Product: Vehicle loan or lease

The XXXX XXXX XXXX I purchased has three different contracts. The online advertised price was {$15000.00} ( I have original images ). The price of the car changed with two of the contracts {$19000.00}, {$19000.00} and {$18000.00}. By then the car had been in my possession for 3 months. I finally have all 3 contracts after being sent the same copy repeatedly. Interest rates also changed XXXX, XXXX and XXXX. Warranty prices also changed {$3100.00} wheelz, {$3100.00} wheelz, and {$3100.00} XXXX XXXX  cash price stayed in the retail installment contract states cash price {$23000.00}, {$23000.00}, and {$22000.00}. Amount finance charges shows {$6100.00}, {$5500.00}, {$5600.00}. Amount financed change {$14000.00}, XXXX, and {$14000.00}. Total payments changed {$21000.00}, {$20000.00}, {$19000.00}. The total price of the car also changed {$30000.00}, {$28000.00}, {$29000.00}. Original contract date XX/XX/XXXX, second contract XX/XX/XXXX, and third contract was XX/XX/XXXX. Each contract deal number did not change neither did the cars odometer mileage. I was bait and swatched, manipulated, coerce and deceived. I paid XXXX in cash as a down payment and it says I financed {$14000.00}, {$14000.00} and {$14000.00}. When I initially went to complain I couldnt get all three contracts from finance company so I retrieved them from the dealership through via email with XXXX who works in the finance department. Within a month of having the car I complained about the car having issues, so I called the finance company and was told I was in the 10 day grace period to return the car. Once I told XXXX who sold me the car my plans, he threatened to use my downpayment to fix the car. I was then called by someone with more authority who told me they would offer me a better warranty for my future issues but yet charge me more for the warranty and raised my interest rate back up.I still owe a remaining balance of {$8000.00}. Furthermore I have had to invest in over {$8000.00} in repair alone in the last year which have lead me to late payments. Furthermore, the dealership is reporting inaccurate account date information after falsifying my documents.This is diminishing my character
Product: Credit reporting

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : Balance {$1200.00} Dear Sir or Madam, I am writing in regards account XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX sent my account XXXX to collections for {$1300.00} on XXXX XXXX. I disputed this account in XX/XX/XXXX XXXX XXXX, who also confirmed with me on XX/XX/XXXX, that this account was disputed and should have not been sent to collections. I decide to pay {$1400.00} for collection as i did not want this to affect my credit. I called XXXX XX/XX/XXXX to see why my credit report has not been updated, XXXX stated they have not receive any information that my account was paid in full. XXXX lied and said they did XX/XX/XXXX, that clearly didn't take place. 

XXXX TO SENT ME THE INFO I REQUESTED IN XX/XX/XXXX. 
XXXX FAILED TO SEND ME NOTICE PAID IN FULL CMRE- FAILED TO SEND REQUEST TO CREDIT BUREAUS TO HAVE ACCOUNT REMOVED
Product: Debt collection

I don't recognize this account. This is not my account. 
This is false!
Product: Credit card

On XX/XX/XXXX, I was pressured into buying a timeshare which I quickly realized was a mistake. On XX/XX/XXXX, I submitted paperwork in accordance with the contract to withdraw authorization for withdrawals/debits from XXXX on my Chase Credit card . I also sent a stop payment order to Chase and locked my card on XX/XX/XXXX. 

In XXXX ( only ), Chase let a payment go through to XXXX. I have filed XXXX disputes and Chase has sided with XXXX even though Chase betrayed me as their customer. I will attach the documentation I have sent to Chase twice. 

I disagree with Chases ' resolution because XXXX violated a federal statute when they took money from my account without my permission. I provided Chase with proof that I terminated my permission to XXXX to take money from my account. However, XXXX took it anyway, even though they did not have a legal right to do so. Chase is now a participant to this act of fraud, as Chase is allowing them to steal money from my account that they did not have my permission/authorization to take. 

I expect Chase to issue a full refund to my account, as XXXX no longer had my permission to take the monies and I met the federal requirements when I submitted my termination of my authorization to XXXX in writing, which XXXX received more than five days prior to the payment draft date, as required. I met the burden of proof requirement for Chase to resolve this dispute in my favor, when I provided evidence to Chase that XXXX received my written termination as required by the federal statute. I expect to see a permanent refund on my account and I expect CFPB to support my case. 

This is the statement from the contract where I have the legal right to revoke authorization which I did on XX/XX/XXXX : " I may choose to revoke this Authorization : ( i ) by telephone at XXXX ; or ( ii ) in writing by mail to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX. This Authorization in no way limits any right I may have under federal law to stop payment by contacting my financial institution. '' This is the second time I have sent this to you. Chase contacted me but literally the person who contacted me from Chae did NOTHING.
Product: Mortgage

XXXX  Wells fargo sold mortgage to XXXX XXXX  for {$180000.00} they sold it back to Wells Fargo. 
No appraisal. 
No fund deposit to my bank which would be purpose of using equity. 
Wells Fargo for {$190000.00}. No cash was exchanged. Between the two mortgage companies. They turned property that cost me {$65000.00} to value of {$180000.00} then to {$190000.00} without appraisal. The current balance is {$130000.00}. No record of {$190000.00} or {$180000.00} ever transferred to my banking account.
Product: Credit reporting or other personal consumer reports

I've had a credit freeze initiated since beginning of last year along with my SS number locked. XXXX ( XXXX ) hard inquires are still managed to get reported to my credit. 
This matter has diluted my good faith character as well as shows fraud from TransUnion along with all other reporting agencies via TILA and FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have many negative accounts thats not mines.I suffer from XXXX i was in an tXXXX XXXX in my family since my XXXX was XXXX in front of me I fell apart. Someone took advantage of me.XXXX XXXX , XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX collectrions, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX , XXXX XXXX, XXXX XXXX , several repeated collection account i dont have any negative credit. it looks like woman stuff im a man. all these acconts are not mines.
Product: Credit reporting or other personal consumer reports

Hi this keeps happening where it says that Im applying for credit cards that Im not signing up for because I know I dont want anymore credit cards. Ive also been sick and I just cant have credit cards right now!

So this isnt me! 

Please fix off my credit card. Thank you
Product: Checking or savings account

I had a savings account with Popular Direct. 

https : //www.populardirect.com/ I had {$250000.00} total balance in the savings account accruing 5.35 % interest at the time Popular Direct closed my savings account. 

Popular Direct closed my account on XX/XX/XXXX, and sent my balance to my checking account at XXXX XXXX without paying me the 17 days of accrued interest, which would equate to {$630.00}. 

The transfer of {$250000.00} posted to my checking account on XX/XX/XXXX. 

I just noticed the transaction today, XX/XX/XXXX, and called Popular Direct to find out why they closed my account. They said because I didn't confirm I was the owner of my checking account at XXXX XXXX 

I asked why they didn't pay me the 17 days of accrued interest. She said because they closed my account before the XXXX XXXX of the month, when accrued interest is scheduled to be paid. 

They closed my account and kept my accrued interest. Doesn't seem right.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against TRANSUNION for their failure to remove fraudulent accounts from my credit report as required by law.

I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ) as evidence. The credit bureau acknowledged my dispute but has not complied with the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 
Despite my initial request for the blocking of these fraudulent items, the following accounts remain on my credit report : XXXX. XXXX XXXX  Account # : XXXX Opened : XX/XX/XXXX Reported : XX/XX/XXXX 15 U.S.C. 1681i ( 7 ) - Description of Investigation : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. To date, I have not received this required information.

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Verification Requirement : Per the FCRA, you are required by federal law to verify all accounts and public information through physical verification of the original signed consumer contract and/or judgment ( s ). Without such verification, there is a risk that erroneous or fraudulent information could be included in credit reports. Given the lack of adequate verification, I request the removal of this unauthorized public record information.

Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( 5 ), I request that you delete any unverifiable information.

Failure to Investigate Accurately ( 15 U.S. Code 1681i ) : After submitting a dispute regarding inaccuracies on my credit report, I did not receive a thorough investigation within the mandated 30-day timeframe. The results of the investigation did not adequately address my concerns.

According to 15 U.S.C. 1681c-2, credit reporting agencies are required to block disputed information identified as resulting from identity theft within four business days of receiving a valid identity theft report. Additionally, under 15 U.S.C. 609 ( a ) ( 2 ) and 1681i ( 7 ), any unverifiable or inaccurate information must be removed from my credit report.

Inadequate Compliance Procedures ( 15 U.S. Code 1681e ( b ) ) : The bureau has not demonstrated that it has implemented reasonable procedures to ensure the accuracy and completeness of the information provided on my report. I am requesting detailed information on the procedures used during the investigation.

I demand that the CFPB investigate this matter and take appropriate action to ensure that these fraudulent accounts are deleted from my credit report. I expect a prompt resolution to this issue and would appreciate any guidance you can provide regarding my rights in this matter. 
Thank you for your attention to this urgent issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts and inquiries listed on my credit report, as I am a victim of a data breach in which my personal information was compromised. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these accounts and inquiries be permanently blocked and deleted from my credit file. 
Accounts to Be Blocked and Deleted : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX