23daVinci/CFPB_Complaints huggingface dataset:
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. 


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 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 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 or other personal consumer reports

If you feel there is a possibility these Items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} XXXX XXXX XXXX XXXXXXXX Balance : {$950.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance XXXX {$5100.00} XXXX XXXX XXXX XXXX Balance {$190.00} XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$190.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$890.00}
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX has violated my rights. Or list of inquiries 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 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

All of my detailed information is attached to this complaint. During this whole ordeal I ca n't understand if a debt was paid-in-full due to a total loss claim, HOW does a company consistently accuse you of still owing, keep this mis-information on your credit reports in their alleged justification and refuse to admit that the accounting fault is the fault of the company for how they handled the pay-off settlement for this loan. I should not continue to have my credit scores damaged because this company is determined to penalize me for not being able to collect 5 years of high interest rates for the loan I had with them. 
At the time of the loan I entered a second chance loan agreement at 24 % interest for 60 months. However, because the vehicle was totaled when an act of nature occurred ( I unavoidably hit a dear in the midst of an Ice storm. Prior to that I was forced into a bankruptcy in order to save my home from foreclosure ; of which all of my debts had to be included in this filing. Since this company fell under that jurisdiction they were listed, BUT EXCLUDED from the original proceeds because I agreed to pay them separately to maintain my credit under the second chance program. However when all of this happened, they tried to use the bankruptcy status to justify why they kept accusing me of still owing them money - '' AFTER THE ACCOUNT WAS PAID IN FULL!!! '' Now this account has bee listed as a charge off which is bad for my credit rating and bad because they are still proclaiming that I owe them money!!!!! This is the question I keep asking EVERYBODY : IF YOU PROCESSED A PAY OFF CLAIM ACCORDING TO WHAT YOU STATED WAS THE PAY OFF AMOUNT, WHY WOULD N'T YOU REPORT THE CORRECT PAY OFF AMOUNT IN ORDER TO BE PAID IN FULL????? 
NOT ONLY THAT, WHY WOULD YOU HOLD THE CUSTOMER RESPONSIBLE FOR YOUR MISTAKE, RUIN THE CUSTOMER 'S CREDIT RATING AND CONTINUE TO REPORT INCORRECT, DEROGATORY AND NEGATIVE INFORMATION FOR THE ONLY PURPOSE AS TO KEEP ME IN FINANCIAL BONDAGE FOR THE LENGTH OF TIME THAT I WOULD HAVE BEEN PAYING THEM IN INTEREST RATES FOR THIS HIGH END LOAN! THEY FEEL IF I WANT TO GET RID OF THEM THEY ARE TRYING TO FORCE ME TO PAY THEM WHATEVER THEY WITHHELD FROM THE PAY-OFF AMOUNT JUST TO ATTEMPT TO MAKE ME PAY THEM MONEY
Product: Credit card or prepaid card

I applied for sams credit card and because I am older and did not have mobile phone number to text to the denied my application. I am unable to reach them and have great credit rating
Product: Credit reporting or other personal consumer reports

I hope all is good with you as I write this. I am submitting this letter to formally dispute the veracity of some information found in my credit report. I've seen that there are unsupported statements that don't have supporting documentation, especially when it comes to accusations of delinquency and derogatoriness. 

I understand that Metro 2 data field reporting follows an industry standard, and as a responsible consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ). In compliance with federal and state regulations, it is imperative that all allegations be reported completely and truthfully. 

I therefore ask for concrete, independently verified proof of the accounts ' existence and authorized use. I demand the deletion of these accounts in the absence of such proof. 

Listed below are the Accounts that are being challenged : XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX I now provide permission to have an updated copy of my credit report and tangible paperwork outlining your actions delivered to me. 

We sincerely appreciate your quick responsiveness to this situation.
Product: Debt collection

The company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this was actually an account that belongs to me.
Product: Student loan

So it appears that I am in the PSLF program and have 119 of 120 payments. I only need one more to have my loans forgiven and when I logged into Mohela the servicer it appears they have me in 3-4 programs. IBR, IDR, PSLF and in forbearance. When I spoke with someone about only needing one more qualifying payment since XX/XX/year> they told me to give my last application time to update. Everyone I speak to gives different information. Another person I spoke with said I was in forbearance and to call Mohela. Mohela has a 2 1/2 hour wait time to speak with someone. This is becoming very frustrating. When I look at the other program it says I have made I have 107 of 394 payments left which means there are 287 qualifying payments ; however PSLF says I have made the 119 payments of 120 needed for discharge. If I have made over 120, this is incorrect and should be forgiven. Everything is all over the place. Then it has different amounts for all platforms. 
See below : {>= $1,000,000} on mohela {$77000.00} on student aid XXXX on credit report for mohela/department of education
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX  and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$510.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$510.00} XX/XX/XXXX INQUIRIES NOT RECOGNIZED New Inquirie Date XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Loans XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  # XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX XXXXXXXX Auto Dealers, New XX/XX/XXXXXXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX - XX/XX/XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX Mortgage Companies - Finance XX/XX/XXXXXXXX XXXX  - XX/XX/XXXX XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX XXXX Mortgage Companies - Credit Union XX/XX/XXXX XXXXXXXX XXXXXXXX Late Payments XXXX XXXX Late Payments 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

The vehicle was repossessed 4 years ago. The debt Still report and rise every month.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX, ive XXXX a XXXX XXXX XXXX customer since XXXX. I went to US bank ( check was drawn from US BANK ) in XXXX Illinois on XX/XX/XXXX " with a positive pay '' check ( {$4300.00} ) from XXXX XXXX XXXX XXXX and It was required to be verified before cashing. So since the check had usbank on it i decided to go there to avoid check cashing fees. The teller attempted to cash the check beforeverification ( FIRST MISTAKE ) which kicked the check out as fraud. She then called to get the verification code ( SECOND MISTAKE ) which they provided her with which allowed the bank ( usbank ) to be paid. She then attempted to cashed the check a second time ( THIRD MISTAKE, IM OUT! ) which came back as fraud again. There was nothing she could do therefore I left usbank ( without my {$4300.00} ) and with check in hand, called my issuing bank XXXX XXXX XXXX XXXX XXXX to void the check. Long story short the check couldn't be voided due to usbank was provided the authorization code which entitled them to the funds. Well ( usbank ) did receive the funds on the XXXX of XXXX and told me they returned it on the XXXX, since I was not their customer. Well as of today, XX/XX/XXXX, my issuing bank XXXX XXXX XXXX XXXX says nothing was returned to them. l 've been to usbank several times since the XXXX, I even went to a different US bank branch thinking that the original location was trying to cover their mistakes. I also called XXXX several times and i also have a recordingof the supervisor stating " US BANK have the funds, and this was on the XXXX of XXXX. I've done nothing wrong. Im a working single mother of XXXX children. Those funds were a loan from my XXXX tax refund and my family are in dire need. We are facing a Eviction at the end of XXXX due to this mishap. Please look into this matter as to I don't know what to do or where to turn.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX  # XXXX 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 any 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 of 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 submitted a complaint dated XXXX to you with a Complaint # XXXX. 
I realized that the box where it says " What company is this complaint about '' I entered my own name. I wanted to put Transunion. 
Would you please make this adjustment on previous Complaint. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts that are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to formally request as a consumer to request that you only report True, Factual, Correct Current, & verified information and I request that any deficiently reported information be released and dismissed at once. I have filed a Police report with XXXX.
Product: Debt collection

I am filing a complaint against Onemain financial for violating the Fair Debt Collection Practices. One main financial has not provided validation information as required by law ( 12 CFR 1006.34 ( b ) ( 5 ) ) but has placed a collection on my credit report.

* I have not been given the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

One main financial is using false, misleading, or deceptive means to collect the debt.

One main financial furnished the account to a consumer reporting agency without providing the required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 
I request that the CFPB investigate these allegations and take appropriate action against Onemain financial. I want this collection deleted from my consumer report due to all the violations. 
- [ ] By submitting this complaint I authorize the CFPB to contact me for more information or updates.
Product: Mortgage

My loan matured in XXXX XXXX. I first contract TD Bank in XXXX of XXXX for an extension of my mortgage loan. In short, they have taken over a year and now refuse to renew my mortgage loan which I have paid perfectly for 10 years. In addition, they informed me that I would be approved for a deed-in-lieu of foreclosure but refused to waive the deficiency balance and/or present terms of repayment for this balance. The deficiency balance would be roughly $ XXXX. They are stating that the value of the property is $ XXXX. We originally acquired the property in XXXX for $ XXXX.
Product: Credit reporting or other personal consumer reports

Numerous inaccurate information/inquires are reported on my credit report
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number:XXXX, Consumer Date Of BirthXXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C 1681c-2 ) that XXXX, XXXX and XXXX credit reporting agencies, block information from appearing on my consumer credit reports that is a result of identity theft and fraud within 4 business days of you receiving this complaint. The listed items below are fraudulent, inaccurate and false information. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I do not recognize the aforementioned accounts, collections or hard inquiries as reported. These fraudulent entries thats appearing on my consumer report that is maintained by you were not opened, made or initiated by me and pursuant to FCRA 605b I did not give my written or verbal permissible purpose to do so. ALL of the aforementioned entries is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned entries listed above are the result of identity theft and fraud. Failure to rectify this situation within 4 days will be the result of willfull non compliance pursuant FCRA ( 15 U.S.C 1681o ). Done In Good Faith-All Rights Reserved-Whithout Prejudice-Non Assumpsit.
Product: Credit reporting or other personal consumer reports

I had a credit card with Genesis FS Card Services and that card ended with the number XXXX, I paid that credit card off by settling with them on a lower amount and when I paid it off they sent me a letter stating that the account had been settled for less than the full balance. I paid off the amount I owed and settled on XXXX of XXXX. I received the first letter confirming that I had paid off the account in XX/XX/year> and the letter stated that I may receive a final statement reflecting the settlement payments and that the amount had been forgiven. However, that letter showed a different account number ending in 1890 and it was now calling the mastercard " The Destiny Mastercard '' when it was a Milestone Mastercard. I called them several times to ask them why they changed the number and the answer they gave me was that because the card had expired and it was changed to XXXX and that now they were going under Destiny not Milestone, so they had apparently changed the name of the credit card company, but that it was the same account as the one ending in XXXX. I asked them to correct that and to send me that explanation in writing and they wouldn't do it. They sent a 3rd letter on XX/XX/year> with the same incorrect information. After that occurred, I began to receive collection notices and get harassed by XXXX XXXX XXXX and now I am getting harassed by a collection company called XXXX XXXX, XXXX. Genesis has caused my credit score to be damaged due to them reporting false information and selling that account to XXXX  and XXXX  selling it to XXXX XXXX. I have already spoken to XXXX  and Firstsource and XXXX continues to harass me and report late payments on my credit report.
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Department, I am writing to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency. The failure to correct or remove this information, after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau ( CFPB ), lawsuit against EXPERIAN ( Case No.8:25-cv-24 ). You all also violated my consumers rights and privacy under 605B. 1666B. 1681B. and 1637B. Im a victim of the latest Data Breach and Identity Fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the partial digits of the account reported on my credit report identified as : Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX The partial digits of this account number are incorrect, and your previous investigation did not resolve this inaccuracy ( File Number # XXXX, Date Issued : XX/XX/year> ) and CFPB Complaint No. XXXX. As stated in the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy of the reported information