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

I disputed 5 items that were not removed per 15USAC1681i6Biii they did not validate so they failed to comply with provision 15 USC section1681i ( a ) and have them removed from my credit report here are the 6 items 1.Account Name XXXX XXXX Account XXXX XXXX {$10000.00} listed as charge off 2.Account Name XXXX XXXX Account # XXXX {$3100.00} listed as charge off 3.Account Name XXXX XXXX XXXX Account # XXXX {$580.00} listed as collection 4.Account Name XXXX XXXX Account # XXXX {$9900.00} showing as balance 5.Account Name XXXX XXXX XXXX Account # XXXX {$580.00} 6.Account Name XXXX XXXX XXXX Account XXXX XXXX NEVER WAS LATE EXNOROUS ILEGALY CHARGES AND AMOUNT OF {$5700.00} SHOULD BE XXXX I MADE ALL 60 PAYMENTS ACCORDING TO CONTRACT SEE PAYMENT HISTORY
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed the accuracy of the information for the two closed at my request and paid in full, XXXX XXXX XXXX accounts, with all CRAs ( XXXX, Equifax, XXXX ) and XXXX, however, the information remains on my credit report. This continuing reporting of negative and inaccurate information is adversely affecting me despite an excellent payment across accounts. 

Account number # XXXX Account number # XXXX The specific areas of discrepancy across the CRAs are highlighted in the attached 3 credit bureau report and listed below. 
Date opened High credit Credit Limit Last reported Date last active Date of last payment Late payments reporters in the months of XXXX and XXXX of 2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C. 1681 section 602 A States I have rights of privacy 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting Agency can not furnish a account without written instructions
Product: Debt collection

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX, this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX 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 Complaint Regarding Misuse of My Data, Deleting XXXX Positive Accounts XXXX, XXXX By TransUnion** Dear Sir or Madam, I am writing to formally lodge a complaint regarding what I believe to be a violation of the Fair Credit Reporting Act ( FCRA ) by TransUnion. I have discovered that my data has been misused, resulting in significant harm to my privacy and financial standing. 

Recently, I observed that TransUnion removed an account from my credit report, which is in good standing, which caused a considerable drop in my XXXX XXXX XXXX XXXX XXXXXXXX XXXX The account in question, XXXX, was removed between XX/XX/2025, and XX/XX/2025. This abrupt change to my credit file. This seems to be a cycle with similar incidents involving XXXX and XXXX, indicates a broader pattern of misuse of consumer data. 

Under the FCRA, credit reporting agencies are prohibited from accessing or using consumer data without a permissible purpose. Misuse may include : - Sharing credit information without authorization - Using reports for non-credit-related decisions without proper consent - Obtaining or altering credit reports under false pretenses These actions violate my rights under the FCRA and have negatively impacted my financial standing and privacy.

To resolve this matter, I respectfully request that the FTC investigate TransUnion 's practices, and restore my accounts. TransUnion has clearly violated FCRA regulations. Additionally, I request that TransUnion provide : Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX CFPB TRANSUNION IS NOT COMPLYING
Product: Debt collection

Below is my original letter to XXXX XXXX. I followed up with another letter on XXXX. To date I have not received any written communication from XXXX or the debt collection company. 

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : XXXX XXXX XXXX XXXX XXXX # XXXX Total Balance {$110.00} Dear XXXX XXXX, Please find attached a copy of the most recent communication that I received as a result of a dispute regarding the cancellation of my service with Reliant. The communication is from a company known as Convergent Outsourcing , Inc. owned by XXXX XXXX XXXX XXXX Convergent has been retained to collect this disputed debt. 
I appreciate receiving the Convergent communication, as it alerted me to additional information about XXXX and XXXX relative to my dispute. Below are my notes for your review. 
On XX/XX/2022 I sent XXXX a personal check in the amount of {$250.00} as a result of a billing notice from XXXX. In the billing communication ( copy attached ) I now notice that a {$150.00} Early Cancellation Fee was included in what I believed to be my final XXXX electric bill. I wrote Final Payment in the note section on my check and XXXX cashed my check. I mistakenly sent XXXX {$250.00} even though my final electric bill was {$180.00}. I overpaid my electric bill by {$60.00}. I would like that amount returned to me with earned interest. 

Since I did not enter into a signed term-agreement with Reliant prior to Reliant initiating electric service to my residence I could not have been aware of an Early Cancellation Fee as a condition of service. I did not ever agree to a term of service with XXXX or an Early Cancellation Fee. My official understanding was that I was in a service at will status and could cancel XXXX service at any time without incurring any monetary penalties. 

Since XXXX solicits new customers inside of XXXX I believe it is right for me to alert XXXX management of XXXX deceptive trade practices. I have copied XXXX XXXX XXXX, the President & CEO of XXXX. I also sent him a cover letter to explain the situation with XXXX XXXX XXXX, as XXXX is being used as an accomplice in customer acquisition for XXXX XXXX XXXX. 

There are countless customer complaints relative to deceptive trade practices by both XXXX and XXXX. Please refer to the Texas Deceptive Trade Practices-Consumer Protection Act.

XXXX deceptive trade practices and its handling of this matter resulted in a bad debt being attached to my otherwise perfect credit report. I view this as targeting and harassment. 
The only way I will pay the outstanding amount that XXXX says I owe is for XXXX  or Convergent to send me a term-agreement that includes an Early Cancellation Fee and my signature. 
If I did enter into a term-agreement that included an Early Cancellation Fee then I will write XXXX XXXX to explain the misunderstanding and withdraw my complaint.

If I do not receive my over-payment, this debt is not forgiven and my credit score is not restored I will seek legal guidance as to available options. 
Thank you & best wishes, cc : XXXX XXXX, President & CEO of XXXX XXXX XXXX, CEO of XXXX XXXX. XXXX.
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.has violated my rights. 
Account XXXXXXXX XXXX XXXX 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. 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

Dear Sir/Madam, I am writing to express my deep concern and dissatisfaction regarding a recent issue related to the handling of my account by Receivable Management. As a valued customer, I expect that Receivable Management would adhere to the highest standards of professionalism, integrity, and compliance with applicable consumer protection laws and regulations. 

The crux of my complaint lies in the unauthorized sale of my debt to a XXXX creditor, which has resulted in an unjustified collection account being reported on my credit report. This action not only violates my rights as a consumer but also has a XXXX  negative impact on my financial well-being and creditworthiness. 

I kindly request that you provide me with the purchase agreement, which evidences the lawful transfer of my debt to the aforementioned creditor. It is imperative that you promptly furnish this document to me as part of your obligation to transparency and in compliance with the Fair Debt Collection Practices Act FDCPA 15 U.S.C. 1692 et seq. and other applicable consumer protection statutes.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I wrote to Equifax to have some hard inquiries investigated and removed. They are not mine. I already contacted the companies, and they told me to contact the Credit Bureau which I did. I did not give them permission to run my credit. Those inquiries are not mine. Equifax never responded to my investigation. It has been almost 60 days where is my response. This is unacceptable!
Product: Checking or savings account

I tried to use a ATM and it didn't have enough money so I got a receipt said authorized reversal and when I called ATM service they transferred it back to chime and chime keeps telling me it was a complete transaction but ATM service saying they sent it back and it shows in there system that but chime won't even look in to it
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. 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
Product: Credit card

On XX/XX/year>, I applied to capital one for a credit card. I received from Capital One a letter dated XX/XX/year> [ " Re : application ID. # XXXX '' ] requesting that I supply to them, a Government issued photo identification for XXXX XXXX , XXXX XXXX ! and a Social Security Number or identification number for XXXX XXXX,, XXXX XXXX!. 
On XX/XX/year>, I contacted Capital One by phone [ " XXXX '' ] which they had provided in their correspondence to me. 
A female answered the phone and identified herself as XXXX, whose identification number is XXXX. 
I advised her that my husband was present and that she could discuss my application with him. After she had finished the credentialization of myself, she wanted to know how she could help. [ " She further stated that she was from the fraud department of Capital One '' ]. She was asked the following questions, ( 1 ) .why was the application sent to the fraud department of Capital One, ( 2 ). Why Was I required to refurnish my Social Security Number, and Why was I required to furnish my Passport and Business identification number. 
She stated that under Federal guide lines, she could not furnish such information and that I could not have anyone near by to ask or answer questions [ Although I advised her that my husband was sitting beside me and has my authorization to participate in the discussion ]. 
I therefore instructed her to cancelled the application and to notify all credit bureaus that I had cancelled the application, since they { Capital One had pulled my credit score which is in the XXXX score. 
The conversation ended after her request that I could not continue the conversation with my husband beside me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, my name XXXX XXXX and I am reaching out to delete this item from my credit report. I am a victim of identity theft and did not authorize this item on my report. I reported the theft of my identity to the Federal Trade Commission and enclosed a copy of the affidavit. Please delete this item as soon as possible. 


Account Name : US DEPT OF ED Date Opened : XX/XX/2015 Type of Account : Education Loan Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because the following credit bureau ( s ) have ignored my request to provide me with the documents that their company has on file that was used to verify my accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly " delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you. 

XXXX : 1. Validate Account XXXX Account Number : XXXX 2. Validate Account XXXX Account Number : XXXX 3. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX : 1. Validate Account XXXX Account Number : XXXX 2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX TransUnion XXXX 1. Validate Account XXXX Account Number : XXXX 2. Validate Account XXXX Account Number : XXXX 3. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

XX/XX/XXXX, XX/XX/XXXX along with a few before I got caller ID hooked up. I hadn't had my phone but a couple of days and started getting calls for my brother in law who I haven't seen for a long time, nor do I know where he is. It's a recording asking for XXXX and the same last name as mine. It says they have personal business with him and if this is the person press a #, if the person isn't able to come to the phone press a #. Or have him to call the XXXX back. Then it thanks me for giving him the message. There has also been messages left on my machine with the same recording. I looked the number up since it says toll free call and it comes back to Penn Credit. He doesn't live here nor has he ever lived with me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent my FTC report and license to experian
Product: Credit reporting, credit repair services, or other personal consumer reports

Violations of right providing inaccurate information ; and, in accordance to Fair Credit Reporting Act this credit has violated my rights under 15 USC Section 602 - rights to privacy ; 15 USC 1681 Sec. 604 ( a ) Sec. 2 - Agency lack written instructions ; 15 USC 1666b - Timing of payments ; 15 U.S. Code 1679c - Disclosures ; 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY - ( a ) Reinvestigation of Disputed Information -
Product: Debt collection

I notified Diversified Adjustment regarding an unfamiliar account. The representative hung up the phone and my letters have not been answered. 


Account information : Diversified Adjustment XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX
Product: Credit card or prepaid card

I have the care credit card and I am seeing a lot of other are getting targeted for the care credit XXXX and I would to include myself in that offer so I called customer service talk to all these worthless reps overseas that have no idea what I am talking and wait for a manager and there is no way these reps can transfer to a manager the call stays of hold for ever and they can never get a hold on the don't want kind of customer service synchonary is running but its the customer service in the world and something needs to be done about it. all I want to do is try to upgrade too the care credit XXXX I have my run ins with shynchnoary have used to be able to get hold of the cooperate offices but no more they changed all the phone numbers and you cant get a hold on anyone at all I left messages on XXXX XXXX voice mail and have no heard a thing back and I even XXXX XXXX and XXXX XXXX and have not heard back one single thing this is the only way to ever get a hold on anyone
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of XXXX at XXXX I called to XXXX XXXX to request the opening of a 3rd line in my account. XXXX XXXX XXXX from Customer Service helped me to open the account but he never informed about any inquiry to my credit report. After ending the phone call I noticed a hard inquiry in my credit report and called again to ask about it. They informed that they never do hard inquiries and that I they were supposed to do a soft inquiry instead of a hard inquiry. Since then, I have been trying to claim that XXXX XXXX send a letter to Transunion in order for the unauthorized hard inquiry be removed from my personal credit report. 

In addition, I am disputing that there is incorrect information ( Bankruptcy information ) in my credit report from TransUnion and XXXX. Please find attached 2 separate letters that I already mailed and uploaded to the corresponding credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an incorrect item on my Early Warning Systems report. The incorrect item is from XX/XX/XXXX which states that my XXXX XXXX account ( # XXXX ) was closed due to " Account Abuse '' and that there was a principal loss of " {$1900.00} ''. These are both false. I disputed this already with XXXX XXXX in XXXX when they made this claim. I never made an ATM withdrawal from my XXXX account on XX/XX/XXXX for {$2000.00} ( nor any other amount ), nor did I make any other withdrawals from my account ( check or ACH ) that would have resulted in this debit. I did not cause a principal loss nor did I abuse the account in any way. I also disputed it with Early Warning Systems in XX/XX/XXXX. However, Early Warning Systems admitted that they only contacted XXXX ( who erroneously confirmed it ), and did not actually investigate the dispute in detail. Specifically, they failed to verify that the letter sent by XXXX on XX/XX/XXXX is false. Therefore, both XXXXXXXX XXXX and EWS have failed to follow the Fair Credit Reporting Act and are in violation thereof. This is directly causing my to be unable to open bank accounts because the EWS report lists this item and banks are denying me basic checking accounts as a result.
Product: Debt collection

I took out a personal loan from XXXX XXXX XXXX XXXX XXXX based in XXXX, GA. I fell behind on the loan. I was unaware that XXXX XXXX XXXX had assigned out my loan to a company named CU Recovery until I contacted XXXX XXXX XXXX to ask about sending  payments. After the call with XXXX XXXX, almost immediately, my brother and my elderly mother, both who live in other states from me, started to get very threatening messages on their cellular phones from a company purporting itself to be " XXXX XXXX XXXX '' and stating that I had a " Civil Complaint Filing '' in XXXX County Tennessee. On both messages the man left his name as XXXX XXXX along with the number XXXX. 

When I called the number the receptionist answered the phone CU Recovery. 

They violated the FDCPA by misrepresenting who they were and also by misrepresenting the nature of the debt by claiming it was a 'Civil Complaint Filing '' which sounds like a lawsuit. 

This was intentional. 

Also, this company had my phone number but they chose to not call me and to instead call and harass my family members whose names were on my credit union account as emergency contacts. 

This was done to intimidate and humiliate me. 

When I spoke to this company they verified that they were calling on my credit union account. But then they shut down and refused to identify themselves when I asked again. Because I was still perplexed as to why they would leave another companies name on the voicemails. 

I had to contact the credit union that stated it was CU Recovery that  had my account and on hearing what this company was doing.. the  credit union pulled my account from them and it's back with the credit union . 

I filed other complaints with the XXXX  about their tactics and CU Recovery LIED to the XXXX  and said they did not leave XXXX XXXX XXXX or use that name. But they did. The number left for me to call went back to CU Recovery and the credit union confirmed they were the ones with the account and indeed they tried to collect on the account. The account was only with their agency and no other before being pulled back. 

The company, XXXX XXXX XXXX, is a FAKE COMPANY, created by CU Recovery - that allows them to contact and harass the family members of debt holders with anonymity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please don't ignore my request to update he following items that are harming my credit. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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