23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I defaulted in repaying {$4100.00} to Chase Credit because I was in school and could not afford. The account went to charge off in XXXX and a payment arrangement was made between the Bank and I to settle for a set amount. I agreed and did just that. The credit was removed from account in XXXX. Then suddenly, after 7 years in XXXX, it shows back in my account threatening me to pay about half of that amount that has long been written off. I remember I did the settlement but I do not have payment records in my accounts after 7 years. My Chase Bank account activity records only go as far back as 2 years. The company has threatened me and forced me to agree to a settlement deal again for over {$1400.00} for 12 months. This is not right because I could not produce evidence of settlement after 7 years when my account activity records go only upto 2 years. If all the companies I settled with come back in like manner, what would happen to me. I believe Chase Bank Credit is taking advantage of lack of records to defraud me. I request an immediate investigation into this matter and a request to stop this fraudulent attempt to collect a non-existing debt from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out and told them I did not want a loan nor have I applied for one. I saw they ran a credit check which hurt my score but I have not asked them to and its happen more than once and I need this to stop and my score to be fixed
Product: Mortgage

Mortgagee passed away and trustee took over the the trust in which the property was titled. Property was then sold and awaiting closing. XXXX was the original mortgager and was notified in writing of the situation. Before property was closed, XXXX sold the loan to Seterus. When Seterus was called for a payoff so that property could close, they said it was being processed and would not give a payoff for at least 10 days. This all happened the day prior to closing. Now Seterus refuses to provide a pay-off so property can close, which is causing undue expense and hardship to the buyer.
Product: Checking or savings account

To whom it may concern, On XXXX XXXX, I opened a business account at U.S. Bank XXXX XXXX XXXX Missouri with my Partner XXXX XXXX XXXX, Her husband is the Manager of our Business named The XXXX XXXX XXXX and he also had signing authority. All three of us were signatures on the account. 

I became suspicious of financial misconduct in XXXX of 2019 and requested financial records and documents from my partner and manager. Please note I am a 50 % owner. The manager is NOT an LLC member but a Employee. 

When I requested these records they refused to provide them and I hired an attorney. On XX/XX/2019, My Attorney XXXX XXXX sent a demand letter to the Manager XXXX XXXX and XXXX XXXX the other 50 % owner. This was still refused. I went to U.S. Bank to obtain cancelled checks and bank statements that were being sent to the NON operating address of XXXX XXXX and not the Company Address. 

When I presented to the Bank I was told that the parties had presented to the bank and stated there was a fight over the company and they removed me from the account without my signature or permission. also Please note ... They did not withdraw the money and open new accounts, they removed me from the business account against my will. 

I filed a complaint with US bank and requested documents from when I was an account holder and also anything I had supposedly signed. The bank refused to provide me with copies of anything holding my signature or any bank records from when I owned the account forcing me to go through the legal system 's long drawn out process to obtain these documents. To this end, due to the court system and after my attorney has even called them, I still do not have these documents and they repeatedly refuse to provide me with them despite being legally entitled under Missouri Law. 

As such, it has been discovered that the above mentioned parties have used this bank account to divert moneys to other accounts for the purposes of Fraud and Embezzelment. Multiple lines of credit have been opened in the companies name without my consent. 

Now, because of such delays, they have continued to use this account to Embezzel funds, run a payroll fraud scheme and the company and myself are financially harmed. I suspect that the Business Bank person " XXXX '' who removed me at their request without any signature, is involved. These people have Multiple shell business accounts at this bank. These businesses do not have employees and are utilized for tax fraud. Multiple employees have discovered Taxes withheld and stolen from them. This bank has damaged everyone and they are involved in the misconduct.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of a account opened at XXXX XXXX XXXX on XXXX XXXX under the account number XXXX, and a account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are 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 consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained 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 White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist.

Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; 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. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS XXXX XXXX. XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY! 

After formal letters and calls to the three credit reporting agencies of XXXX, Equifax and XXXX  they continue to report inaccuracies and have violated my rights as a consumer. This has caused me great financial harm as a consumer and my ability to contribute to the economy. There was not sufficient information nor proper information in response and lacked validity of debt. I have tried to work out with them directly but automated answering services and failed responses from the US mail now well over 90 days have continued to cause me harm and violate me as a consumer. 

Sincerely, XXXX XXXX
Product: Credit card

On XX/XX/year> synchrony bank charged me a {$41.00} late fee and a {$2.00} interest fee on the late charge. According to everything I have read the Biden administration past a law capping late fees at {$8.00}
Product: Checking or savings account

I got a random email from Chime saying they were closing my checking savings and secured credit card. They said the account would be closed XX/XX/XXXX. They ended up closing it XX/XX/XXXX and cant give me a clear response as to why they had said I filed for bankruptcy which I have not and they said I wasnt complying with the agreement terms which I was, they will not give me a clear explanation and keep on giving me the runaround, I have a two-year-old daughter I need to take care of and feed and now they have closed my account and I can not access my funds. I called them all the time numerous times a day and nobody can give me a straight answer. I asked them to overnight me a check and they keep on running around the bush with different answers. Again I have a baby and Im not happy one bit about this situation.
Product: Vehicle loan or lease

My auto finance company which is Capital One Auto has me paying {$36000.00} as of today for {$15000.00} car Plus {$4000.00} which remains on a 12-month plan in which they are only giving me 8 months because of the maturity date of the loan because I've had the vehicle since XXXX it is now XXXX and I still have 8 months to pay and at that point I have to pay whatever cost that they're saying is a balloon payment I was targeted and mislead by Capital One stating that they were interested in lowering my interest rate because I was a good customer and unknowingly I agreed because they offered me a lower payment and they said that my credit was the reason why they were able to lower my interest rate but they never told me that they were extending my loan for an additional 2 years and that I would have to pay a balloon at the end of XXXX. I currently owe {$4300.00} on a vehicle that isn't worth XXXX and if I pay the XXXX Plus interest that would have me over {$40000.00} when the initial sticker was XXXX XXXX I paid on average {$480.00} monthly for 4 years at 21.9 % and was offerd 17.9 % at a monthly of XXXX for 3 years on a car i agreed to pay XXXX for i was lied to taken advantage of just because i had a poor credit score i understand its harder to be trusted but ive never defaulted and still trying to do the right thing while being completely being mistreated I feel as though be practices that they used to bait me into extending the terms is unacceptable please help thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act -XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX, -XXXX XXXX Account XXXX XXXX, XXXX Account number XXXX, -XXXX XXXX Account number XXXX, -XXXX XXXX, Account number 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 reporting or other personal consumer reports

After reviewing my credit report, I was alarmed to find accounts listed that I do not recognize. I never opened these accounts, nor have I ever had any dealings with them. Yet, they are being reported under my name, which is a serious error. This false reporting is creating an inaccurate reflection of my financial history, and I need this to be corrected as soon as possible.
Product: Credit reporting or other personal consumer reports

Experian Information Solutions , Inc . 
Dispute Resolution Department Subject : Dispute of Inaccurate Credit Report Information To Whom It May Concern : I am writing to formally dispute inaccurate and incomplete information reported on my credit report maintained by Experian. The specific inaccuracies are as follows : Account with XXXX XXXX XXXX XXXX, balance of {$44000.00}, incorrectly reported on my account as a result of fraud. 
Account with XXXX XXXX XXXX XXXX, balance of {$50000.00}, incorrectly reported on my account as a result of fraud. 
Account with XXXX XXXX XXXX XXXX, balance of {$7400.00}, incorrectly reported on my account as a result of fraud. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is obligated to ensure that the information reported in consumer credit files is accurate and complete. Furthermore, the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian ( Case Number XXXX, filed XX/XX/2025 ) highlights systemic issues in Experians credit reporting practices, including : 1. Failure to reasonably reinvestigate consumer disputes.

2. Miscommunication of disputes to data furnishers.

3. Providing unclear and contradictory reinvestigation results to consumers.

In light of these findings, I am particularly concerned that my dispute may not have been or will not be handled in compliance with FCRA requirements.

I request that Experian : 1. Conduct a reasonable reinvestigation of the disputed items, ensuring all relevant documentation I have provided is reviewed and forwarded to the data furnishers.

2. Provide me with clear and comprehensive results of the reinvestigation, detailing any corrections or updates made to my report.

3. If the information can not be verified, remove it from my credit file entirely, as required under 15 U.S.C. 1681i ( a ) ( 5 ).

Please resolve this matter promptly and confirm the receipt of this dispute within five business days as required by law. If Experian fails to address these issues adequately, I reserve the right to escalate this matter to the CFPB or pursue legal remedies.

Thank you for your immediate attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I am writing to address the issue of inaccurate account reporting on my consumer report. I would like to draw your attention to the fact that I never provided written consent for the inclusion of these accounts in my report. Consequently, I believe that my rights under 15 USC 1681b have been violated. This particular violation pertains to the safeguarding of consumer information and the necessity of obtaining consent before reporting it. 

I have already filed a complaint with the Federal Trade Commission ( FTC ) and have been assigned a reference XXXX. Furthermore, I have made numerous attempts to request the removal of these items from my report, only to receive unsolicited documents from the creditor. My grievance is specifically aimed at the credit reporting agencies, namely XXXX, Equifax, and XXXX. It is your responsibility to ensure accurate and compliant reporting. 

In accordance with 15 USC 1681c-2, consumer reporting agencies are mandated to promptly block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft. Therefore, I kindly request that you fulfill this legal obligation and expeditiously eliminate the following accounts from my consumer report : Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Debt collection

Transworld Systems , Inc. is attempting to collect a medical bill that I paid months ago. I offered to forward them the receipt that was emailed to me when I paid the bill, but they said they wouldn't accept that and would only accept a fax.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act. The list os accounts below has violated my feral protected consumer rights to privacy and confidentiality under 15 U.S.C.1681 XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) Account # : 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX. 
Violated my Rights
Product: Checking or savings account

Checking and savings accounts were forcefully closed by Chase in XX/XX/XXXX after a {$600.00} promo code was entered. A {$2500.00} refund check was sent with {$5000.00} held back for unexplained reasons. Visited a Chase branch in XX/XX/XXXX to resolve with no success. Contacted Chase Bank and rep said funds will be release once the check cleared and there is no risk of return. 2 months after check deposited Chase still held {$5000.00} with unclear resolution path. Filed a complaint with CFPB in XXXX. Chase responded and request the check writer ( live in Florida ) and account owner ( live in Delaware ) to visit a Chase branch together in person, prove their identity, prove check was cleared from source Bank account before Chase would release the {$5000.00}. To meet Chases demand, check writer flew to Delaware and we visited a Chase branch to spend 1.5 hours with a banker in XXXX. Chase finally released the {$5000.00} via a check dated XX/XX/XXXX.
Product: Debt collection

On XXXX XXXX XXXX XXXX XXXX XXXX started reporting to all 3 credit bureaus that I owe them {$690.00}. I have no contract with this company. XXXX XXXX purchased my personal information from Bank Of The West Checking OR without my knowledge or permission. They are in violation of 15 usc 1692 and 15 usc 1681. Further more on the collection it states that it was {$630.00} and as of now it is {$690.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX submit an application for without my signature and received money from XXXX XXXX and after they got the money they start the job and didn't come back on day XXXX they was no job associated with my address they file bankruptcy and never pay back XXXX XXXX their money and XXXX XXXX wrote the note off as bad debt then want me to pay them i ask them to send me a 1099 they refused so they send my name to trans union and when i tried to get it remove from TransUnion they they continue to update my report from the date challenge it
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

XXXX XXXX {$6600.00} XXXX  XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$18000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
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. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXXXXXX XXXX  : last 4 of the account number # XXXX. On XX/XX/XXXX I XXXX XXXX about XXXX XXXX called XXXXXXXX XXXX  [ Phone Number XXXX ] talked to customer service representative XXXX XXXX and he advised me there was no account or account number ending in XXXX for the amount of {$3600.00} and a credit limit of {$1700.00}. So i couldnt provide you guys with a complete account number if there isnt an account that exist. XXXX XXXX also stated that everything was be recorded. So you guys will have record of that also. The account was supposedly opened on XX/XX/XXXX. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub> XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX reported an unauthorized and unrecognized inquiry to my consumer report, I did not give them permission to do so, I have filed a fraud report with the FTC for this fraudulent inquiry this must immediately be removed from my consumer report per FCRA law to be within compliance.