23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am disputing these accounts due to severe violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including the reporting of inaccurate, unverifiable, and unauthorized information that is directly harming my credit profile. The reported data contains false repossession claims, incorrect payment history, fraudulent accounts linked to identity theft, and unverified debt collection activity. These inaccuracies violate federal laws that require accurate and fair reporting. Immediate deletion is required to prevent further damage and legal action. 


Fraudulent & Inaccurate Accounts : XXXX XXXX XXXX XXXX XXXX ( Auto Loan ) - Repossession Reporting Violation Account Number : XXXX Ongoing false reporting since 2019. 
Incorrect balance and last payment date. 
Violation of FCRA & FDCPA due to inaccurate reporting. 
IMMEDIATE DELETION REQUIRED. 
XXXX XXXX ( Secured Loan ) - False Late Payments Account Number : XXXX Reporting past-due payments inaccurately. 
Data unverifiable ; violates 15 USC 1681i, 1681n. 
IMMEDIATE REMOVAL REQUIRED. 
XXXX XXXX XXXX ( Collection ) Account Number : XXXX Reported by unauthorized debt buyer. 
No valid contract, consent, or verification. 
FDCPA Violation : Unauthorized Collection Activity.

DELETE THIS ACCOUNT IMMEDIATELY. 
XXXX XXXX XXXX ( Collection ) Account Number : XXXX Collection activity without consumer validation. 
Repeated false data entries violating UCC & FDCPA. 
IMMEDIATE DELETION REQUIRED. 
XXXX XXXX XXXX ( Collection ) - False Joint Responsibility Account Number : XXXX Incorrectly listed as a joint account with XXXX XXXX. 
UCC & FCRA Violation : False Data Reporting. 
IMMEDIATE DELETION REQUIRED.
Product: Credit reporting or other personal consumer reports

Incorrect information on all 3 credit bureaus. Its showing one main twice on XXXX. Please remove the car loans immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized credit inquiry from creditors has been reported by Transunion credit agency
Product: Payday loan, title loan, personal loan, or advance loan

Formal complaint regarding harassment, Hidden Loan Terms, and Unexplained Fees. I have serious concerns and dissatisfaction with the practices used by One Main Financial in processing my loan. Pay off loan current due amount versus pay off amount with hidden forbearance fees. I experienced persistent phone harassment from One Main representatives, which pressured me into agreeing to a loan I felt forced into accepting. Told by branch manager ( XXXX XXXX ), location that they we're doing me a favor by helping me out. Once I entered into this agreement, I learned of critical loan terms, including the forbearance structure, which were hidden from me. I am also facing a significant amount of unexplained interest fees that i was not aware would be applied after paying what I understood to be the final balance. When I agreed to the loan under the stress of constant phone calls, I did so under the assumption that all terms and fees would be transparently disclosed. Unfortunately, it was only after paying what was communicated to me as the remaining balance that I was informed of XXXX in additional interest fees. This practice, coupled with the hidden forbearance structure, feels deceptive and predatory.
Product: Debt collection

XXXX XXXX XXXX is trying to collect {$800.00} for XXXX   that I have disputed. XXXX XXXX has done nothing to resolve this issue and has been unresponsive in resolving this. 

I offered a pay for delete letter even though this isn't my debt. There was no response. 

I believe this debt is so old at the point it shouldn't be listed on the file. 

I need help in resolving this. 

Account number with convergent is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a credit card holder with Capital One since XXXX. I paid my bill on time every month until XXXX. I had a very devastating financial hardship. As a single mother of XXXX small children, it was hard for me to find a job that fit my schedule, as I was very limited to child sitting resources. I had to constantly switch jobs just to fit my babysitters schedule, so it was hard to balance finances. Due to the problems I was having, I made a total of 5 late payments to Capital One. The last one was 5 months ago ( which was Capital One 's fault ). I 'm finally stable with a permanent job and stable income. I 'm in the process of fixing my credit so I can possibly become a homeowner in the next two years. On XXXX XXXX, XXXX, I emailed the CEO of Capital One a goodwill letter pleading to them to remove my late payments as they are really affecting my XXXXredit score tremendously. I received a call on Monday, XXXX XXXX, XXXX, stating that they WILL NOT remove my late payments for me.
Product: Credit card or prepaid card

Again Wells Fargo has failed to answer the one question I had for them. Why did you want me to send a copy of my signature to you to verify that the signature on the XXXX XXXX XXXX slip was mine?
Product: Checking or savings account

Bank did not properly disclose an excessive fees charged when a balance dropped below {$50000.00}. At the time of account opening, I was having issues because I was not receiving documents as promised. I called the bank on at least 7 occasions. I never received a signature card, they enrolled me in paperless statements without authorization, I was unable to create an online account ( they assisted and got it done ) etc. In XXXX, the bank started charging me a {$30.00} fee. I did not notice it right away- I do not recall receiving the statements however I was recovering from a major illness. In XXXX, I called several times about the charges and requested the terms and conditions and the proof of my authorization for these ridiculous charges. Why would I pay {$30.00} for a checking with over {$25000.00} balance when there are free checking accounts everywhere? I asked they send me the consent from account opening. When I did not receive it several weeks later, I called again this morning. I was on the phone almost an hour. I was told the information is " proprietary '' on three occasions ( ridiculous use of that word! ). I was directed to new accounts who could not verify my consent then I was set up with a personal banker who would not allow me to speak and just kept interrupting me. She finally confirmed- and repeated it several times at my insistence, they do not have the consent. She said she can walk me through a similar account opening- I again, asked for MY consent as it should be required in record retention. The manager and woman I spoke to were just so unaware of any regulatory requirements for retention of account opening records or records of disclosure. The customer service people here simply do not care about consumers rights.
Product: Debt collection

I was involved in a car accident XXXX, the other driver was at fault I went to the emergency room, and XXXX XXXX XXXX   company took the responsibility of my hospital bills because they're driver was at fault, XXXX XXXX took awhile to pay my hospital bills, so the bill has been placed into collection by CAPIO PARTNERS the account was opened by capio partners on XXXX, also once again on XXXX I disputed this account with capio partners telling them that XXXX XXXX insurance paid this bill on XXXX to XXXX ga XXXX XXXX XXXX XXXX dept, but CAPIO PARTNERS refused to take my account out of collections and they are reporting the same account twice, also reported the account before the allowed 6 month time period, and I was not provided with a dunning letter asking me if I wanted to dispute the account before putting it into collections, when I submitted my dispute and requested validation of this debt from capio partners, I request that capio partners submit a universal data form deleting this account from any credit reporting agency
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. I demand an investigation and removal of this collection account that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report. I demand this will be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 



XXXX  XXXX # XXXX XX/XX/XXXX -- {$120.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$110.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$220.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$210.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$110.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$140.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$97.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$170.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$200.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$180.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$210.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$140.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$220.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$170.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$97.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$160.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$52.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$45.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$82.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$230.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$100.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$120.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$220.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$77.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$100.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX BANK # XXXX XX/XX/XXXX -- {$6700.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$41.00} XXXX # XXXX XX/XX/XXXX -- {$2000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$410.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$480.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity of theft, accounts attached does not belong to me
Product: Credit reporting or other personal consumer reports

Innovis Consumer Assistance XXXX XXXX XXXX XXXX GA XXXX Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. 

XX/XX/XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I found some inaccuracies that relate to my account. This account is impacting my ability to obtain credit. I believe you will investigate the account to make sure it is accurate. Here is the account that I am asking you to verify : I am demanding a deletion of the following account. 

XXXX acct # : XXXX
Product: Credit reporting or other personal consumer reports

The following accounts were opened by fraud I have attached a theft report. 

XXXX XXXX XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT XXXX
Product: Credit reporting

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having trouble with XXXX XXXX and its reporting of fair, accurate and complete information per guildlines of FACTA/FCRRA to the credit reporting agencies Transunion, XXXX and XXXX, regarding the six ( 6 ) student loan accounts. I have submitted multiple disputes with the said credit reporting agencies, only for the information in question to return back verified, from the agencies. In the attachments you can see that they are reporting multiple late payments in excess 120 days in addition to comments designed to further hurt my credit score. Furthermore, XXXX XXXX has also taken steps designed to further damage my credit by submitting that there is a Freeze, on my credit file. It is in my strongest opinion that I believe XXXX XXXX to be in multiple violations of FACTA/FCRA. I am submitting proof that my account at that time, beginning XX/XX/2016, was in forbearance/deferment which would show that the negative reporting in fact are incorrect. Once forbearance/deferment is granted, it is good for twelve ( 12 ) months. At the end of the twelve ( 12 ) month period if one chooses to remain in the program, an addition application is to be submitted. In addition, as evident in my attached credit reports, XXXX XXXX is failing in its reporting of complete information, as there is a number of months of unavailable account information, being reported. The failure of the company to report fair, accurate and complete information per the FCRA has severely impacted my ability to build relationships and obtain credit from other lenders/financial institutions. I have tried on mulitple occasions to have the Transunion, XXXX  and XXXX remedy these errors
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are erroneous. I do not recall said accounts and have made steps to try and get this issue repaired by all reporters. I have a right to fair credit reporting and to dispute anything that is incorrect.
Product: Debt collection

I am writing the CFPB to inform you of the improprieties conducted on behalf of Credit COLLECT XXXX XXXX XXXX XXXX. Credit COLLECT XXXX XXXX XXXX XXXX has no Proof of Authority, written consent, or court order that gives them permission to report anything about XXXX XXXX XXXX publicly. The FDCPA Fair Debt Collection Practices Act was put in place to protect consumers from such trespasses. XXXXXXXX XXXX is in direct violation of my right to privacy as pursuant to the Bill of Rights. Credit COLLECT XXXX XXXX XXXX XXXX is Defaming my name and character to the public and is also in violation of the US Constitution. These discriminatory transactions that are being reported are impacting my ability to attain goods like buying a home for my personal, family, or household needs. My intent is to seek remedy in Federal Court
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, Experian sent me an updated copy of my credit report with a negative item reporting, stating that the information came from their data furnisher XXXX. 

However, in XXXX, the data furnisher XXXX informed me that the alleged data was deleted from my XXXX credit file, as the information could not be verified. 

I sent a follow-up letter to Experian in XX/XX/XXXX showing proof from their data furnisher XXXX, as well as additional proof documents that the information is not valid, and has been deleted from the other two bureaus ( XXXX and XXXX ) . 

In XX/XX/XXXX, Experian sends a letter which states the information was verified by their data furnisher XXXX. However, Experian did not provide any evidence, and the letter looks exactly the same as their letter from XX/XX/XXXX. 

Experian is committing an act of negligent noncompliance as defined in the Fair Credit Reporting Act 617 -- " Civil liability for negligent noncompliance '' [ 15 U.S.C. 1681o ]. 

Experian continues to report this negative item on my credit report, which has prevented me from obtaining credit, and having my loan application denied due to this negative item that needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX told me their 3 rd party so they shouldnt be listed on my credit report it was XXXX XXXX that madr claim and they should br listed not XXXX so i contacted XXXX and they have nothing to do with this being listed and XXXX XXXX who just cares about selling XXXX their product so this remains inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been trying to open accounts under my name and has created unauthorized inquiries as a result on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed a company I had no dealing with. This company XXXX XXXX XXXX  XXXX - I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. Please delete this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion customer service to identify myself as a victim of improper credit inquiries reporting, on my credit report. I did authorize nor did I recognize most of the hard inquires on my report. I was not helped nor was a satisfied after my call.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and there are several inaccurate accounts and inquiries on my reports that need to be removed
Product: Credit reporting or other personal consumer reports

I have sent Equifax the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the fraudulent inquiries immediately XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX XXXX XXXX XXXX  inquiry date XX/XX/XXXX
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 15USC 1681 Acct name : XXXX Account # : XXXX Acct name : XXXX  XXXX Account # : XXXX Account name : XXXX XXXX  Account # XXXX XXXX Account name : XXXX Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX  Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # Account # : XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX : XXXX Account # : XXXX Account name : XXXX XXXX : XXXX Account # XXXX Account name : XXXX XXXX : XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : 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 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 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 conviction of crimes, which antedates the report by more than seven years.

15 U.S.C 1681s2 ( 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 calls to believe that the information is in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.