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

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( XXXX XXXXXXXX XXXX ), 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. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Credit reporting or other personal consumer reports

The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX, XXXX XX/XX/2023
Product: Debt collection

To Whom It May Concern : I am sending this letter to you in response to a notice I received from you. 
Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. XXXX ( b ) that your claim is disputed, and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above name Title and Section. I respectfully request that your office provide me with the competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor. 
Prove the Statue of Limitations has not expired on this account. 
Show me that you are licensed to collect in my state ; and Provide me with your license numbers and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my XXXX XXXX XXXX account was paid in full over {$4100.00}. It was never reported correctly to the three credit bureaus. I have filed disputes with all 3. On XX/XX/XXXX, the account was updated but with the wrong information. XXXX reported 180+ days late payment history and the past due amount was {$2900.00} still due. The account can not be 180+ days late in XXXX if the account was paid in full XX/XX/XXXX. I am having a very difficult time getting the credit bureaus to update account and remove inaccurate report of late payment and past due amount reported in XXXX for an account paid in full in XXXX. Neither the account balance nor the late payment or past due amount reported is accurate.
Product: Payday loan, title loan, or personal loan

I sent bank of the west and check from my insurance company it was more than the payoffs was so they have lost the check the supervisor and manager don't even care the check is lost they don't even care they are cheating me out off a lot of money they tell me that there is a fee for the camper getting repossessed than never happen but I got no money back I sent them extra money on the loan of 84, dollars they don't know were that money is I have 11 months on the loan it is payed in full now they tell me I owe them 12-13 payments I should of got a discount on the interest but that didn't happen the check was in the computer as received XX/XX/XXXX I should of gotten a check for over XXXX dollars back the check was made out to XXXX XXXX and bank of the west I have not got nothing back plus my payments are due on the XXXX of every month will a 6 day window they said I was last 29-35 times which is incorrect and they charged me late fee
Product: Checking or savings account

I would like a full investigation into Capital One, I was scheduled to get paid on XX/XX/XXXX with early deposit on XX/XX/XXXX. I have not received my direct deposit. They have sent XXXX email with no additional communication or updates. They continued to ignore people when they call in to speak with someone
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I have several unauthorized inquiries. 

XXXX XXXX, XX/XX/2019 Synchrony/XXXX  XX/XX/2019 XXXX  XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/2019 XXXX XXXX  XX/XX/2019 I did not make ANY of these inquiries.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX the amount is {$220.00} XXXX XXXX XXXX XXXX Obligations with respect to disclosures of personal information with XXXX XXXX XXXX XXXX may-not disclose nonpublic personal information to a nonaffiliated third party unless.. 
Basically the financial institutions is supposed to give the consumer the option to opt out of being reported to XXXX, XXXX, and XXXX but they don't. They take your info and give it someone is which is a direct case of identity theft
Product: Debt collection

I have requested a validation letter from Account Resolution Services. I have received a letter but it still not enough information of verifying the debt. I didn't give this collection company the consent to collect any debt or the company couldn't provide my bear signature of them owing rights to collect any debt.
Product: Vehicle loan or lease

I was behind with the payments, and in XXXX of XXXX i made one payment and i explained when i will make the other payments, and yesterday my car was parked on the street, and when i saw the towing guy took my car, and i said pls wait until i call the bank and he does not want to wait, i call the police and the tow guy just step on the car and run. 
i spoke with some agents to the bank and one person said to me whatever we agree verbally is not valid, and the rates that im paying is 11 % and i have paid more 75 % of my loan. i think every person have a right to speak with the before take my car ... .my monthly payees is {$38000.00} and have to pay is 4 months, and they charged fees over and over even when i explained and agree to, because this covid19 we where inside on the house and we could not work. the amount i still own is like {$7000.00} I purchase the car back on 2015 in {$23000.00}, i think every person has a right to breath and put action when this think happens, and need law and order for all, humans rights also most be in effect for every person.
Product: Credit card or prepaid card

XXXX  REPORT ;  XXXX   XXXX   XXXX    XX/XX/XXXX .    1. XXXX - PARTIAL ACCOUNT  XXXX  CARD #  XXXX    XXXX   SHOWS  XXXX  {$4800.00} ALSO REPORT SHOWING ND FOR   XXXX   XXXX     XX/XX/XXXX .     2.   CITI VISA-  PARTIAL ACCOUNT  XXXX  DATE OPENED   XX/XX/XXXX  FIRST REPORTED  XX/XX/XXXX  DATE OF STATUS  XX/XX/XXXX   ACCOUNT CLOSED AT GRANTORS REQUEST. ACCOUNT CHARGED OFF {$5500.00} WRITTEN OFF  XXXX  PAST DUE {$1200.00} AS OF   XX/XX/XXXX .    XXXX   REPORT   XX/XX/XXXX   SHOWS   XX/XX/XXXX    AB { $2100.00} AB {$2100.00} THATS ENDING WITH  XXXX    XX/XX/XXXX  AB {$4 800.00} AND STARTING CITI  AB    XX/XX/XXXX  {$2100.00}. OKAY CITI DIDNT START REPORTING UNTIL  XX/XX/XXXX  C ITI SENT ME  ONE C ARD  XXXX . THEY STARTED REPORTING IN   XX/XX/XXXX  AND WROTE THE WHOLE ACCOUNT OFF  XX/XX/XXXX . ALSO  XXXX  SAID THEY MAILED MY 2 % CASH BACK  XX/XX/XXXX  AND IT WAS DECLINED BY CITI IN  XX/XX/XXXX .     3. CBNA CITI  CREDIT CARD - PARTIAL ACCOUNT  XXXX  DATE OPENED   XX/XX/XXXX  FIRST REPORTED  XX/XX/XXXX  DATE OF STATUS  XX/XX/XXXX  CREDIT  LIMIT  XXXX  RECENT BALANCE  XXXX  AS OF  XXXX   XXXX  RESPONSIBILITY AUTHORIZED USER?????  XXXX  ACCOUNT IN GOOD STANDING. OPEN NEVER LATE.   GRIEVANCE ;  XXXX  ARE MISSING AS AVAILABLE CREDIT BALANCE SOON AS CITI TOOK ACCOUNT HUNDREDS MISSING IN AWARDS 2 % MONEY BACK AND A GHOST ACCOUNT SET UP WITHOUT MY CONSENT OR COURT ORDER THEY CLAIM MY LAWYER DID IT I NEVER HIRED A LAWYER TO RIP ME OFF LIKE A CROOK I WANT NAMES AND ANSWERS. CUT MY CARD IN  TWO T HAN RIP OFF MY 2 % CASH BACK IN   XX/XX/XXXX  TO  XX/XX/XXXX . AND NOW  THEY WANT ME TO PAY  XXXX  PAST DUE NOW THEY WANT ALL OF IT  XXXX  AND KEEP THE GHOST ACCOUNT OPEN THAT IS THE VIRUS THAT TOOK MY  CREDIT SCORE   XXXX  POINTS IN NEGATIVE.   I WAS ENGAGED TO BE MARRIED AFTER 8 YEARS OF HARD WORK WHEN THESE CROOKS PLANNED THEIR BURN NOTICE ON ME WITH NO MERITS. DAMAGES IN THE THOUSANDS. THIS IS WHAT I CALL CORRUPT CORPORATE GREED. I AM VETERAN SERVED MY COUNTRY WITHOUT   DISHONOR   XXXX   XXXX   XXXX    XXXX    XX/XX/XXXX     XXXX   XXXX   XXXX   XXXX  AND  XXXX   XXXX   THESE CLOWNS NEED TO SEE WHAT IT LOOKS LIKE TO BE ON THIS SIDE FOR A  NEW YORK    MINUTE.
Product: Checking or savings account

The app for commerce isnt real time. Balancing your account isnt ever correct. I paid hundreds in fees.
Product: Debt collection

On XX/XX/year> I got numerous of letters from different law firms saying that LVNV Funding is suing me and a I have a court date on XX/XX/year> for old debt from credit cards due to Covid19 and also laid off from my employer I was unable to continue payment on those particular cards. For this company to buy my debt from the collector XXXX XXXX XXXX XXXX and sue me for old debt is wrong and an form of Harrasment And I can't financially afford a lawyer for this matter.
Product: Credit card or prepaid card

On XX/XX/XXXX, Calvary Portfolio Services ( as Assignee of XXXX XXXX XXXX XXXX ), reported that I owe {$8700.00}. It also shows date of first delinquency of XX/XX/XXXX..The first I knew of this claim was AFTER XXXX had assigned the account to a collection agency. I have be in regular contact with 4 different collection agencies, asking each one of them to please send me something showing what the basis of this claim was. Credit card charges, etc. Each one of the agencies said all they could provide me with was the last 6 months of statements, which only showed a balance forward, more interest, and the new balance. A couple of the agencies offered to " settle '' for {$500.00}. But I have no idea what the claim is for, so I 'm certainly not paying until they can tell me what it 's for. ( Please see attached time line of my when I was in contact with each of these agencies ).  You can look at my credit history. In addition, on XX/XX/XXXX, XXXX send me a letter saying my account was compromised ( Letter attached ). XXXX has now sued me in an attempt to collect this money. Please review my credit history as well, as you can see I have never been late or failed to pay a bill EVER. We pay our bills timely EVERY MONTH. I am disputing this debt and ask that you investigate this claim and request that the creditor, Calvary Portfolio Services, provide solid information as to the charges that form the basis of their claim. 
***PLEASE ALSO NOTE THAT XXXX NOTATED WHEN THEY REPORTED THIS " DEBT '' THAT I HAVE DISPUTED THIS CLAIM
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear sirs, I reported these problems with Equifax on two different times. On XXXX XXXX and XXXX XXXX, XXXX. I showed that 1 ) the account is showing both closed and in collections. It also read opened when it was in collections. I showed that 2 ) information was missing things like Months reviewed, Terms Frequency, Account type, Date of last activity and Sold To. 3 ) This account was sold to a collection company yet it is not on this report. 4 ) I even questioned the balance because it seemed unrealistic for a cell phone. The only thig that was done was that the accounts wsa updated. Many of the mistakes are still on the report.I have reason to believe that this will change from my pointing these issues. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed some errors on my report with equifax. 

They included an account which I did not dispute causing the account to be shut down. 

XXXX XXXX XXXX XXXX account ending in XXXX was not in dispute! 

This needs to be corrected immediately or I will be seeking statutory damages
Product: Debt collection

I had made a verbal phone settlement of the debt for XXXX of the original amount of XXXX and requested the company to give me the settlement agreement on this, and they refuse to give me something in writing stating we agreed on the 3 payments of XXXX + XXXX processing fee per transaction and once i make those payments the remaining balance will be forgiven and I would have settled for 50 % of the payment. The company refuses to give me something in writing and states that their company doesnt provide anything in writing untill the amount is paid off and is refusing to give me proof that once i pay the settlement amount the loan will be closed. They has made rude comments on the phone, and have been very degrading when i asked for documentation for an agreement of settlement, i told them i understand it is not paid in full but i need to know what amount im paying back and if they will uphold their end. 
Please help, I feel bullied with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute regarding public records that don't belong to me and they have refused to remove them. The courts don't verify accounts or report anything to the credit bureaus. The credit bureaus are getting this information via a third party who gets their information from public records that may have incorrect information, I have also disputed inquiries that t weren't permissible and the bureaus are refusing to do an investigation but yet want me to contact the reporting companies. According to the FCRA that isn't my job but the credit bureaus and if they can't be verified they must be deleted. The bankruptcy does't belong to me and any account reporting as such needs to be deleted. Lexisnexis is a third party reporting agency and obtains their information from public records and that information can't be verified and must be deletedXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

University Accounting Service, During the time my loan was in deferment I was reported to the credit bureaus that was late on payments. I had to call the company and straighten it out each time. I had to dispute this through the credit bureaus because they took forever to correct this issue. This would happen XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now again XX/XX/XXXX. I am making a complain now because I started paying on my loans in XXXX and was current. My mother the cosigner is in the process of purchasing a property. I called immediately to rectify this with the company to say I am current and this needs to be fixed immediately because you are going to cost my mother a loan. The customer service stated that he didnt see that they reported anything on my account, I had to take a screen shot of my credit and send it to him proving that they did report a 30 day late on my credit. My mothers credit went down 90 points. I have been calling for updates and keeps getting the run around. Its almost been a month and still no change.
Product: Vehicle loan or lease

Follow up to closed complaint No. XXXX, I have requested that Veros Credit provide justification for unexplained balance of roughly $ XXXX. No justification, nor policy has been provided nor has Mr XXXX or anyone in his department responded to my legal representative XXXX XXXX. XXXX XXXX as well as myself have concerns of misconduct and intentional mishandling of my account and payments being applied incorrectly. The payments have been inappropriately applied to interests in amounts exceeding 400 dollars in some payments. I request that Veros Credit remove all derogatory marks dating back to XXXX of XXXX. Final payment of the the four deferred payments will be made no later than XXXX, this will leave Veros Credits unexplained and unjustified remaning balance of roughty {$1400.00}. Veros Credit continues to duck contact from my legal assistance representative XXXX XXXX. Several attempts to contact via email, mail and fax have been made with no response. I'm currently on XXXX and this ongoing issue with Veros Credit has been made known to my command stateside.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Experian for failing to properiy investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX : {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX XXXX : {$5000.00}
Product: Credit reporting or other personal consumer reports

RE : Dispute of 30 day late payment Dear Sir/Madam I am writing to dispute a 30 day late payment entry on my credit report. I have reviewed my report from your agency and found an inaccurate late payment entry. 

Account Name : XXXX XXXX Date of late payment : XX/XX/year> This information is incorrect because my payment due date was XX/XX/year>. I have provided credit card statement documents showing that I made payments on XX/XX/year> and XX/XX/year>. Under the FCRA a 30-day late payment refers to a payment that is 30 days or more past the due. With my evidence showing 2 full payments means that I was not late. Also shows late fee refunded.