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

I HAVE SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXSIST. 

In accordance with the Fair Credit Reporting act. The List of accounts AND INQUIRIES below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date = XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date = XX/XX/2023, 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 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: Debt collection

account number XXXX Consumer adjustment Co XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Company is trying to collect {$3000.00} for a debt that I do not owe. The company claims that I opened an account with them in XX/XX/scrub>XXXX XXXX I have never done business with this company and I am unaware of how they received my confidential, personal information.I have written the company to dispute the inaccurate information on my credit report to no avail. I have also disputed this debt trough XXXX. This incorrect information is damaging my credit worthiness resolving in financial hardships. Please remove this account. I am also due {$1000.00} for my inconvenience
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXXXXXX {$440.00}
Product: Debt collection

On XX/XX/2023 and also prior dates Comenity Bank continues to call me multiple times with one day. I had explain to them that I recently had a family death ( my son passed away ) and that I am also gathering all my debts to fill bankruptcy. I told them to please stop calling me and that my lawyer will reach out to them soon. But, it seems to be they dont care. 

Here is their contact information : Comenity Bank contact # XXXX XXXX at XXXX ( XXXX ).
Product: Credit reporting or other personal consumer reports

I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting or other personal consumer reports

An account that was previously removed for belonging to my son has been put back on my credit report and my credit score took a substantial blow because of this. No information has been given to why this is put on my credit report. I have a son who lived with me, who also has the same name XXXX XXXX, and it looks like our credit reports have again been merged. I want the account from XXXX XXXX XXXX with account number ending in # # XXXX removed immediately. 

This is neglect on the reporting company, and they should be held accountable for this horrible mistake. 

I am requesting an updated credit report for my personal records as I can't trust what else XXXX be put on my report.
Product: Credit card or prepaid card

On XXXX XXXX XXXX XXXX I was billed the amount of {$310.00} by XXXX. I have spent several weeks communicating with XXXX to resolve this matter. During the course of this communications I was informed by XXXX directly that the fastest way to effective resolution to this matter of the billing error was to contact the financial institution and to dispute the charge with them directly. 

However after multiple attempts to speak with kickoff LLC customer service day to dispute this charge as directed by the merchant to do so their customer service agents are unable to see this charge and stating " unfortunately if I can't see the charge then I can not start a dispute '' of which I said if you can't tell me what happened to the {$310.00} in my account last XXXX XXXX XXXX XXXX then I need that money back in my account now. Their customer service staff says I understand what you're saying and that you are right but unfortunately there's nothing that I can do in my hands are tied. Kickoff LLC is a secured credit card prepaid credit builder program loan thing and their transactions are oversaw by XXXX XXXX XXXX If their customer service department is unable to maintain records related to my direct deposit account as required by federal regulations then they are not responsible not to be running that organization
Product: Debt collection

I filed a complaint with CFPB XX/XX/XXXX and again XX/XX/2016 [ Case number : XXXX ] about a bill from XXXX that I did not incur. 

XXXX agreed that the bill was done in error and contacted their collection agency - FOCUS RECEIVABLES instructing them to cease collection and update their records. Despite numerous requests to remove inaccurate information, FOCUS RECEIVABLES continues to submit information to the credit bureaus that they know to be inaccurate. I had my attorney submit a letter to FOCUS RECEIVABLES XX/XX/XXXX. However, as recently as XX/XX/XXXX they ( ONCE AGAIN ) Submitted false data to the credit bureaus.
Product: Credit card or prepaid card

I opened an account with XXXX XXXX XXXX back in 2014 with zero interest for 5 years and set payments of $ XXXX monthly. I recently came into a hardship and missed a payment in XXXX and my balance was down to {$1000.00} If was away and my ex wife decided to call Wells Fargo and the person she spoke to said she can settle at 60 % of the balance owed ( {$680.00} ) to satisfy this account as payed however the person never mentioned to her that the loan would be considered charged off and take a hit on my credit report. I had no knowledge of any of this until I decided to call Wells Fargo because I noticed that my Wells Fargo platinum credit card was closed. When I called Wells Fargo I was told that since the XXXX XXXX account was settled it caused my Wells Fargo visa platinum card to close as well because Wells Fargo funds the XXXX XXXX account. Ive opened an investigation to try to reverse all of this so I can finish pay off XXXX XXXX in full and reopen my Wells Fargo visa platinum card but I was told they can not do that meanwhile the payment that was made to XXXX XXXX was made by my ex wifes bank account which when I called Wells Fargo they said that payment wouldnt have gone through unless it was my account being debited they even went as far as providing me the account number of my ex wifes bank account and saying it was my account which it was clearly not. So now My credit took a big hit my accounts ar closed and theyre saying they can not do anything. Please help
Product: Debt collection

On XXXX XXXX, 2016, PennCredit generated a notice regarding a {$36.00} per capita tax payment on behalf of the township in which I reside. I received this notice in my mailbox the week of XXXX XXXX. PennCredit has since contacted my father 's place of business by telephone and disclosed the debt in a voice message. I believe this constitutes communication with a third party regarding my debt. I had not communicated with PennCredit or represented my father to be my agent nor my attorney in the context of this debt. I believe this represents an aggressive and unfair debt collection practice. In the written notice I received from PennCredit, the company discloses that I have 30 days to address the debt. Yet within a week 's time, the company is contacting a third party by telephone to collect said debt. I am unsure if PennCredit has reached out to other third parties in an attempt to collect this debt from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and STALLINGS FN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and STALLINGS FN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX Acct ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXX  we went bankrupt and when we went bankrupt I didn't know we had to reaffrim the mortgage. So that were all the problem started. I talk to XXXX XXXX  in XXXX so I could get mortgage on my credit report I sent a letter to XXXX XXXX. Nothing happened. I also had problems making payment so I hook up with ( HUD ) and made payments on XXXX, and XXXX i did all the right things make sure I didi n't miss a payment. My account # is XXXX, they tell me I followec all the payments to a XXXX XXXX in XXXX I got this letter from XXXX XXXX  tell me that if I want recast I would owe them XXXX without a recast I would owe them XXXX as a payoff. I want to know what the payoff should be. Please Help Me
Product: Debt collection

On XXXX XXXX  a debt verification letter was sent certified mail to XXXX XXXX XXXX XXXX. Due to the alarming high amount of fraud purported by debt collection agencies specific information, outside of what was initially provided, was requested by me. I am making this complaint to let it be known that communication was sent to this debt collector. Out of all the things requested in the debt validation letter a copy of THE PURCHASE AGREEMENT is the most essential to validationof the alleged debt. I require a copy of the purchase agreement so I may with my own eyes see that the original creditor has stated a claim of accuracy relating to amount of the alleged debt. I believe the company in question will have no problem producing the documents that I am requesting, seeing as they have made claims that they do have full right to collect on the alleged debt.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The chase account jpmorgan is incorrect. They caused the problem with COVID not doing job right I was with them every 15 to 30 days as I was told then in XXXX they were suppose to have a program to fix me pay 3 payments for 3 mos. then it would all correct then. In XXXX I then found out that person never did that correctly or had authority. The Now a lady has all for XXXX a month for 50 mos. auto pay and no interest and in the 3 months. They would fix. Which would be XXXX. I have paid and tried to pay always. Chase messes me over and it has snow balled. I have all documentation. Please help and fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting or other personal consumer reports

XXXX, Trans Union and XXXX has been notified 4 times each in XXXX, XXXX, XXXX and in XXXX Asking them to send me a contract from each company making a claim i owe them Money and they all have failed to respond with evidence that the Alleged debit belongs to me, its been 8 months and this has cause me great grief in my life it has hindered me for securing a place to live, obtain credit to improve my livelihood here are the names of the Company 's who have refused to abide by the laws and verify the Alleged debit or remove it from my personal credit report according to : UNDER FCRA SECTION 616 & SECTION 617, Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately.

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX, XXXX XXXX XXXX XXXX : Alleged Amount {$5400.00}, on XXXX it says " Closed '' on Transunion it Says " Closed '' and on XXXX it says " Closed '' Why is it still on the report? 

XXXX. XXXX XXXX : Says {$0.00} Balance but remains on the Transunion Report as " Closed '' Why is it still on the report? 

XXXX XXXX XXXX : Alleged Amount {$580.00}, On XXXX its `` Closed '' but on Transunion its Status is " Open '' and it was completely removed from the XXXX Report Why Is That? 

XXXX : Alleged Amount {$830.00}, On the TransUnion Report it say " Open '', but has Been Removed for the XXXX and XXXX Reports, Why is that? 

XXXX. XXXX XXXX XXXX : Alleged Amount {$340.00} : On the Transunion report status is " Open '' XXXX Status is " Closed '' and On the XXXX it has been removed why is that? 

XXXX. XXXX XXXX : Alleged Amount {$890.00}, On Transunion Status is " Open '' and Has been Removed from the XXXX and XXXX Reports, Why is that?. 

Note : All letters sent to the 3 Major Credit Reporting Agency 's were served Certified mail with Return Receipt for 4 times each and All documents were Certified.
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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX  Account.. Has violated my rights. 


1st. 15 U.S.C 1681 section 602 A. State that I have the right to privacy.

2nd. 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 permission without my written instruction 3rd. They have performed and investigation and state that the information in the report is accurate and it is not.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Re : Request for Removal of Hard Inquiries Dear Sir/Madam, I am writing to formally request the removal of certain hard inquiries from my credit report. I have reviewed my credit file and noticed the following inquiries that I believe should not be on my report : * XXXX XXXX chapel XX/XX/XXXX * XXXX XXXX XXXX XX/XX/XXXX * XXXX XXXX XXXX XX/XX/XXXX * XXXX XXXX XXXX XX/XX/XXXX * XXXX XXXX manage XX/XX/XXXX * XXXX XXXX XX/XX/XXXX * XXXX XXXX XX/XX/XXXX * XXXX XXXX manage XX/XX/XXXX I am requesting that these inquiries be removed because : 1. I did not authorize the inquiry. 
2. The inquiry was made in error. 
3. The inquiry was made under circumstances that do not meet the conditions for a hard inquiry under the Fair Credit Reporting Act ( FCRA ). 

Under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to request the removal of any unauthorized or inaccurate inquiries from their credit reports. I believe these inquiries were either unauthorized or made in error, and I ask that they be promptly removed from my credit file. 

Please review the details of the inquiries listed and remove them from my credit report. I would appreciate it if you could send me written confirmation once this issue has been resolved. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear Consumer Financial Protection Bureau, I am writing to express my extreme frustration and disappointment with the persistent inaccuracies on my credit report, specifically regarding my XXXX XXXX XXXXXXXX account, account number XXXX. Despite multiple attempts to dispute these errors with XXXX, Experian, and XXXX, as well as XXXX XXXX  XXXX, the problems persist. 

Specific Issues : Inconsistent Account Status : The XXXX XXXX  XXXX account is erroneously reported as both " Charged Off '' and " Never Late. '' Inaccurate Balance : The reported balance of {$150.00} is inconsistent with the {$450.00} written off. 

Misleading Payment History : The payment history provided is confusing and does not accurately reflect the true payment timeline.

Incorrect Closure Reason : The stated reason for closure, " closed at credit grantor 's request, '' is inaccurate and misleading.

These inaccuracies have negatively impacted my credit score and my ability to obtain credit, housing, and other financial services. I have experienced significant stress and financial hardship as a result of these errors. 

I have repeatedly contacted XXXX, Experian, and XXXX to dispute these inaccuracies. Despite their claims of investigating and resolving the issues, the incorrect information remains on my credit report. I have also contacted XXXX XXXX XXXXXXXX to address these discrepancies, but their efforts have been unsuccessful. 

This matter was part of a litigation case that I won against XXXX XXXX  XXXX. It was resolved in court, and I can not understand why these inaccuracies are still being reported on my credit report. XXXX XXXX XXXXXXXX wronged me, and a court of law recognized this. It is unacceptable that these errors persist despite the clear resolution of this issue in my favor. 

I am deeply concerned that the CFPB has failed to hold the credit bureaus accountable for their repeated failures to correct these inaccuracies. It is disheartening to see that the CFPB is not fulfilling its role in protecting consumers ' rights. 

I urge the CFPB to take immediate action to investigate these matters and compel XXXX, Experian, and XXXX to correct the inaccurate information on my credit report, specifically regarding the XXXX XXXX XXXXXXXX account, account number XXXX. I believe that the credit bureaus ' failure to accurately report my credit information violates the Fair Credit Reporting Act ( FCRA ). 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are tax liens on my credit reports that have been paid, released, and dismissed. The records are reference numbers : XXXX for {$710.00} XXXX for {$780.00} XXXX for {$1500.00} XXXX for {$37000.00}
Product: Money transfer, virtual currency, or money service

Im trying to link my regular bank account to make deposits to my savings and it wont allow me to do so.
Product: Credit reporting or other personal consumer reports

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

Accounts mark as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a letter on XXXX and sent it on XXXX to XXXX XXXX XXXX XXXX, Experian tracking # XXXX, XXXX XXXX XXXX XXXXXXXX requesting the deletion of the account based on inaccurate information. The payment history is completely inaccurate and the bank deleted or wrongfully reported information to prevent deletion and prolong the account on my credit report. I missed a few payments in XXXX and did a payment of {$640.00} on XXXX to cover part of the amount due at the time. The bank did not report any payment for XXXX or XXXX to prolong this account on my credit report and prevent deletion. Now, I provide evidence of payments that were not reported.