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

I disputed and Company delayed for over 3 month, got results and did did nothing, didnt investigate like the other 2 Credit companies which found in my favor. I disputed to TransUnion that a collection account just popped up in their report and after waiting a month they did nothing but tell me they confirmed the information and will not remove it. At the same time I disputed with the collection agency and they provided me with paperwork which clearly states another entity and dates which do not belong to me. TransUnion never did a dispute, they claimed they did, yet I have the proof they didnt. The reason is that they make money having negative information on people so they can sell their services on fear.
Product: Credit reporting or other personal consumer reports

This XXXX XXXX on my credit amout is wrong this stared in XXXX  was removed. Now it back. I asked for copy of a XXXX XXXX that states I am that far behind. Court orders and more no one wants it to me. There is an open investigation on this department
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an unauthorized inquiry had been made on XX/XX/2018. 
I contacted XXXX XXXX  XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following items off my credit file. The items on my credit report are reporting different on XXXX and Equifax. This agency is in violation of 15 USC 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.
Product: Credit reporting or other personal consumer reports

FCRA 605B appears to necessitate the elimination of any incorrect entries from my credit report. Can you verify the paperwork? Some of the listed accounts are inaccurate in terms of reporting, figures, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

refuse to investigate unauthorized credit inquiries ( XXXX inquires currently - XXXX XXXX XXXX XXXX and XXXX XXXX ).
refuse to provide proof of verification paperwork and process of XXXX negative items on my credit ( XXXX XXXX XXXX and XXXX XXXX XXXX ) these items do not belong to me, yet Experian continues to list them on my file with out proper investigation.
Product: Bank account or service

Synchrony Bank is charging lates fees for payments delivered on time. Only payment is set through XXXX for the monthly payment. What they do is send the timely payment bank to XXXX and making the payment late so they can collect late payment fees. I already check with XXXX XXXX and the fraudulent action is from Synchrony Bank. I gess if the do this to XXXX of people they collect an inmense amount of money doing fraud transactions and abusing clients like me.
Product: Credit reporting, credit repair services, or other personal consumer reports

cant add interest or fees, or charges not authorized in the original agreement.Extra fees must be in the contract, A collection agency can not have false or misleading representations. This alledged debt that's on my credit report needs to be taken appropriate action to correct inaccurate or incomplete information on a credit report per the FCRA
Product: Credit reporting or other personal consumer reports

XXXX please explain the attached document in Detail to the CFPB on the portal. 


Claim XXXX Claim XXXX Claim XXXX Police report Forgery by your client XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three accounts on my credit report that are not mine I have reached out to the bureaus regarding this but have received nothing back I need these gone from my account they are not mine I have not signed for them and have not used these. 

Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX/XXXX  XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

LET IT BE KNOWN THAT THIS IS MY SECOND ATTEMPT TO HAVE THIS UNVERIFIED INFORMATION REMOVED FROM MY CREDIT REPORT. IF YOU CONTINUE TO IGNORE MY REQUEST TO VERIFY THESE ACCOUNTS ( I.E. : AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) I WILL BE FORCED TO SEEK REFUGE IN COURT SEEING AS YOURE VIOLATING MY LEGAL RIGHTS AND ABUSING YOURE AUTHORITY. ITS BEEN 30 PLUS DAYS SINCE MY LAST REQUEST, PLEASE SEND ME PROPER VERIFICATION ON THE FOLLOWING INQUIRY ACCOUNTS OR DELETE THEM.
Product: Debt collection

THE BUREAUS INC. has been furnishing reports and making claims furnishing and sharing information about me without my written consent, permission or authority. These acts are depriving me of my God given right to life, privacy, right to be left alone and my right to the pursuit of happiness.
Product: Debt collection

I do not have any debts in collection status. This company, Windham Professionals has been told repeatedly they have the wrong telephone number for individual with similar name.
Product: Debt collection

I have disputed this account with the credit bureaus and The Bureaus. I have received no response whatsoever. I do not know who The Bureaus are, or why they are on my credit, I have never done any business with them, ever. I have no contracts signed with the bureaus, and the debt remains unvalidated, but they keep calling me at home, on my cell, and at work, and I have begged them not to. I have no relationship with The Bureaus and want them to leave me alone. I believe they have been using unfair debt collection practices and also have used abusive language towards me when I asked them to leave me alone.
Product: Debt collection

The account continues to come up on my credit report and I have no knowledge of the accounts. 
where did the debt originate? I sent a letter directly to Simon 's Agency requesting this information via US mail over 30 days ago and have yet to receive a response. 

I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. proof of the last payment made on the account if any. 

I have disputed this debt. Therefore, until it is validated, your informationconcerning this debt is assumed to be inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing because my credit report is missing information such as I was military from XXXX to XXXX. I have worked for the department of parole and probation from XXXX to XXXX. I am listed as a XXXX veteran which is not included. The debit I acquired came from the fact that I am a XXXX veteran, the creditors where notified and agreed to delete the information from my credit report and now it has not been updated. It still states that they are closed accounts and especially the students loans are still showing on all three credit bureaus. This information was provided but these accounts still remain on my reports. The older accounts should be removed especially but still remain after the fact. I would appreciate any assistance with the matter. I know that my credit score has remained in very low status even though I paid off two vehicles during this time. My employment status was never updated to Social Security Administration which start in XXXX and ended in XXXX. This has been very frustrating.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request Dear XXXX XXXX XXXX XXXX I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX  XXXX XXXX XXXX Inquiries XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I request proof of all my signed transactions of verification it was legally authorized and purchased by me.
Product: Money transfer, virtual currency, or money service

I bank with XXXX XXXX XXXX in California, my account is linked to Zelle. I received some fraudulent charge text alerts on my phone and then immediatley received a call from a person claiming to be from my Credit Union. They listed some fraudelent charges to me and aske id I had authorized them, I said no to all. Then they asked if I approved a {$1000.00} Zelle payment to someone XXXX XXXX and I said " no '' I didn't authorized that. He then said he'd send me a text to verify this and instructed me to type " Yes '' to indicate that I wanted this transfer reveresed which I did. I then almost immediately realized that this was a scam but it was too late because the money went out of my account to someone named XXXX XXXX and the banks take no responsibility for fraudulent Zelle charges and Zelle 's policy is that they don't either. So now I am out of {$1000.00} of my hard earned money because there are no safeguards in the banking industry for this and no-one, the financial institutions or Zelle, takes any responsibiliy. It's as if someone walked up to me, and took my money right out of my pocket and nobody cares.
Product: Credit card or prepaid card

My XXXX credit card, that I had for about 14 years, was converted to a Citi credit card. 

I informed Citi that I wanted to set-up an auto pay arrangement the way it was with XXXX. Citi failed in its duty to set-up auto pay. Rather than having the bill paid when due, no bill was being paid. 

Emails received gave the impression the bill had been paid as before, but the bill was not paid. 

I think Citi is responsible for my outstanding bill, the late fees and the interest charges. 

I filed a previous complaint with the CFPB, but Citi has refused to work with me in good faith and has even damaged my once sterling credit bureau history. 

I need further help from CFPB. 


XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2020 I reached out to Citizen One Consumer Loan Service for a 10 day payoff on my Truck loan to be faxed to XXXX XXXX XXXX I gave them a name and the fax number to who they needed to fax it to. I reached out to Citizen One Consumer Loan Service on 5 different times and they told me 5 times it will be faxed to XXXX XXXX XXXX within 24 hour but after reaching out to the Loan Officer she stated as of yesterday she has not received the 10 day payoff information.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redres ( Block, XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.
Product: Credit card

I prepaid for the rental in full with 3rd party and was charged by the company after returning.
Product: Credit reporting, credit repair services, 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. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following accounts in my file. The accounts I need to be deleted are listed in the report.I ask that the accounts be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and attach the said report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ones with the accounts listed below showing on my credit report. I, therefore, request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the accounts as soon as possible. 
DEPTEDXXXX XXXX XXXX : {$7100.00}, DEPTEDXXXX XXXXXXXX XXXX : {$3600.00}
Product: Debt collection

Collection agency in question has failed to respond to debt verification via telephone and written correspondence. Agency has informed me that they will continue to asses fees onto original amount due ; although I have not heard from agency in over one month. Their practices seem to be very predatory ; I would like some form of explanation and clarity and complete removal from my credit profile.
Product: Student loan

I was able to get my student loans discharged because of XXXX XXXX XXXX XXXX According to Navient my daughter, XXXX XXXX, ( the co-signer ) was not told of what she or the borrower ( XXXX XXXX XXXX ) could/should do to have the co-signer be released after the loan was discharged/or dismissed. The information was looked up on the web. 

1. I was given a XXXX XXXX  XXXX  XXXX status. ( XXXX ) 2. The loan was discharged due to a XXXX XXXX XXXX  XXXX status. 

3. Navient told me over the phone that they could not talk to me about getting the co-signer released because the person who signed must call them and I found out they were lying because the borrower is the only one who can apply to get the co-signer released, this was stated on Navient 's website.

4. I called Navient and was told the co-signer had to call them and that I had no obligation to the loan anymore and they could only talk to the co-signer. 

5. This was a loan that should have been discharged with the original discharge when I received the XXXX XXXX XXXX  XXXX  status. The loan was from XXXX.

6. I was notified by the IRS that I owed taxes on this loan {$4400.00} and, that is how I found out about it. 

7. This loan should have been placed with all the other loans that had been discharged but I did not know until the IRS wrote me about the taxes due. 

8 The IRS was paid the taxes in XXXX. 

9 The co-signer is being held responsible because I did not and she did not know about applying for the co-signer to be released. 

10. I was not making any payments on the loan that Navient is making her responsible for and the forms to apply do not address the co-signer release for a borrower 's loans that got discharged through a XXXX XXXX  XXXX  XXXX status. I, the borrower could not apply to have the co-signer released after the debt was discharged. The borrower and co-signer were never notified or told this information. 

Due to the debt being discharged for me, the borrower, Navient stated that I could not discuss the matter with them of getting the co-signer released because neither the borrower or co-signer knew anything about this debt until the IRS came into the picture. I could have helped the borrower by making some kind of payment over a certain amount of time. The co-signer has quite a bit of debt ( XXXX dollars ) of their own that they are trying to payoff. I am writing CFPB because if my debt was discharged, the money is no longer owed and I could have done something to try to help the co-signer get released. I was not able to obtain any original documentation from Navient about the loan, the amount of the loan or even who the original loan came from. I believe based on this information the co-signer needs to be released because neither the borrower or co-signer were informed that application could be made to have the co-signer released from the borrower 's loan. Can someone help with this issue? Please advise.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ New, Louisiana, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Credit Report Entry XXXX XXXX XXXX To Whom It May Concern, I am formally disputing the inaccurate and erroneous reporting of an account from XXXX XXXX XXXX on my credit report. This account is being falsely reported as a charge-off and collection account, which is completely inaccurate, misleading, and unverifiable under the Fair Credit Reporting Act ( FCRA ). 

The details of the erroneous account are as follows : Creditor Name : XXXX XXXX XXXX Account Status : Charged Off / Collection Balance Reported : {$34000.00} Remarks : Charged-off account, auto loan, first payment never received This account is incorrect and should be removed immediately for the following reasons : 1. Inaccurate Balance & Status The reported balance and past-due amounts are inconsistent and unverifiable. I demand strict validation of the exact amount owed, including all supporting documents. If XXXX XXXX FINANCE can not verify this, the account must be removed.

2. Failure to Notify I was never properly notified regarding this alleged charge-off, which is a direct violation of my rights under the FCRA.

3. Unlawful Reporting of First Payment Issue The remarks claim that the first payment was never received, which suggests an issue with the lender, not my responsibility. Reporting this as a charge-off is unfair and misleading.

4. Fair Credit Reporting Act ( FCRA ) Violation As per 15 U.S.C. 1681, all reported information must be 100 % accurate, verifiable, and timely. If the credit bureaus fail to validate this account with complete documentation, including original creditor agreements, payment history, and legal proof of charge-off, this entry must be deleted immediately. 

I demand that this account be fully investigated and removed from my credit report within 30 days as required by law. Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office for willful non-compliance with federal laws. 

Please respond in writing to confirm that this account has been removed or provide legal proof of its validity. If no response is received within the legally required time frame, I will assume that the account is unverifiable and must be permanently deleted. 

I have attached a copy of my drivers license, social security card, and a recent for identification purposes. 

Sincerely, [ XXXX XXXX ]
Product: Vehicle loan or lease

XX/XX/2023 found out my car loan on XXXX XXXX was past due. Called westlake financial, very unhelpful, unprofessional and disrespectful. Identified myself as a XXXX and still was unhelpful as well as hung up on. Asked for number to corporate office, supervisor XXXX XXXX told me I can XXXX it myself, know I'm XXXX she still violated the American with XXXX Act and refused to reasonably accommodate me under federal law!! Account is late and these people refuse to help, also noticed someone over at Westlake deleted my bank information that had been used and on file since I received this car loan!
Product: Bank account or service

Please refer to the previous case with " Case number : XXXX ''. I finally decided to close the PNC virtual wallet bank account for all the troubles that i have gone thru. But they keep on giving me hard times. 
1 ) First they tried to charge me {$25.00} as early termination fees - telling me that as i am closing the account in less than 180 days - they will do so ... even when it was well beyond 180 days of having this account. Later when i told them ... they did n't charged me anything like that. 
2 ) Since XXXX XXXX 2015 - i am communicating to them to close the bank account. But they are arguing and wasting time and not doing what is needed. I told them that i have already moved my funds out and I want to close the account. Did repetitive follow ups but no +ve steps from their side to close the account. Further they once again charged me lower balance fees ( around {$15.00} ) even when i told them long time back that this account needs to be closed.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as Equifax inaction violates federal law and my rights as a consumer.