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

XX/XX/XXXX **I HAVE NEVER BEEN ASSOCIATED WITH THE ADDRESS THESE FRAUDLENT ACCOUNTS HAVE ON FILE. THEY HAVE ALL BEEN REMOVED FROM MY XXXX, XXXX, AND EXPERIAN. UNDER FTC, FCRA, USC SEC 15 1681. 1682, 1683, 1682, 1692g these illegal accounts under a fraudlent item must be removed immediately from receipt of this letter. 

The account listed below and inquiries are illegal and needs to be removed asap. I am not identified what so ever with this nor any fraudulent accounts tied to my credit profile. I have been in the process of repairing and fixing my credit report and this is the last illegal account attached along with said inquiries. Please remove this last illegal account asap Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX {$13.00} Date Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$150.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against Transunion regarding inaccurate reporting of late payments from XXXX XXXX XXXX on my credit report for account XXXX. According to Transunion 's records, I have been marked as 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, I believe this to be a billing error and wish to contest these claims. 

As per the Fair Credit Billing Act, creditors are required to send billing statements at least 21 days before the due date. I did not receive any billing statements from XXXX XXXX XXXX for the aforementioned months within this timeframe. Therefore, I contend that the reported late payments are invalid. 

I kindly request that Transunion provide evidence to support their claim that I received the billing statements at least 21 days prior to the due dates. Specifically, I ask for a copy of the certified receipt with my signature acknowledging receipt of the statements. Without such evidence, the reported late payments should be updated to paid on time on my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I would like to emphasize that this discrepancy not only damages my credit score but also violates my rights under the Fair Credit Billing Act, specifically 15 U.S. Code 1666 ( b ).

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action to rectify the situation. Please keep me informed of any developments regarding my complaint. 

Thank you for your attention to this matter. 

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

I have filed a FTC report because my credit report shows fraudulent activity. My name is spelled incorrectly and the address listed does not match my current address. There are multiple accounts that do not belong to me listed on my consumer report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have any connections with these data furnishers I have never signed any agreements nor have I given consent for my non public information to be shared. 15 USC 1681i requires accurate information to be furnished and after a full investigation if these items can not be verified they shall be removed.
Product: Vehicle loan or lease

The account in question in discussion is Ford Motor Credit Account # XXXX the issue at hand is a late in XXXX 2020, in XX/XX/2020 I got sick with XXXX I tried calling to defer the payment and could not reach anybody at Ford Motor. When I was well enough to work I did make the payment immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XX/XX/XXXX CREDCO XX/XX/XXXX CREDCO XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX CREDCO XX/XX/XXXX CREDCO XX/XX/XXXX CREDCO XX/XX/XXXX XXXX  XXXX XX/XX/XXXX CREDCO XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX 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 Complete Your Credit Picture! Get All 3 Bureaus Accounts How to dispute Revolving Account Name Balance Balance Date Monthly Payment Term XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

XXXX SHOWED UP ON MY XXXX CREDIT REPORT. THIS COMPANY IS ILLEGAL AND CAN NOT LOCATE IT ANYWHERE. ( SEE MY CREDIT REPORT DATED XXXX ) THEY RAN MY CREDIT ON XXXX/XXXX/2015 AND AGAIN ON XXXX/XXXX/2015 AND CALLED AND STATED THEY ARE TAKING OVER WEST ASSET AND GAVE A PHONY NO. XXXX, WHICH I CALLED AND IT WAS XXXX? THIS IS A FRAUDULENT INQUIRIES AND WANT RESTITUTION.
Product: Mortgage

I received a letter from the IRS requesting my tax information from 2018. I called Lakeview LoanXXXX  several times and never got a live person on the phone to assist in getting my annual tax and interest statement. I sent a letter requesting the information to the below address and I received no response. The phone number is automated and if you don't have an active loan you can not get a live person. 
Lakeview Loan Servicing ATTN : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX, Virginia XXXX XXXX
Product: Debt collection

Collection agency filed a court summons and served at an XXXX  mail service in Florida where I don't live. I opened the mail service to obtain a Florida address for in the future of moving, in order to live there at some point. I do not have a physical address, I have been out of work, I reside in CT and have notified the court in XXXX FL that I am not there. The court date is XX/XX/XXXX at XXXX XXXX and I don't know how to resolve this.
Product: Checking or savings account

My Bank of America has been restricted. I went to the bank to resolve the issues and XXXX me a number to contact. I have called the number and need verification of me. I was told to go in the branch and have them verify me in which I did. The issue I'm having now is, I can't get the the bank to withdraw my money in my account. I'm stuck trying to lay my bills and they're having me go back and forth with bankers online and at the branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XX/XX/2019 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am never late in this accXXXX the account and remove the late payment remarks! ount please remove the late payment remarks.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION XXXX : YOU HAVE VIOLATED THE XXXX XXXX FAIR CREDIT REPORTING ACT XXXX XXXX & XXXX DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
XXXX not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the XXXX  XXXX XXXX in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 

Under the Fair Credit Reporting Act, XXXX XXXX.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA XXXX. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the XXXX XXXX XXXX  in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : XXXX XXXX XXXXFPB XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple disputes through the mail and submitted a complaint thru this portal about a month ago and NOTHING HAS CHANGED WITH THE UPDATE EXPERIAN HAS SENT. Experian said they updated the dispute but absolutely nothing got removed, changed, nor updated. Literally stayed the same. I have sent multiple letters, submitted a complaint, If the next step is to take legal action using the FTC acts for reporting INACCURATE INFORMATION ON MY CREDIT REPORT, I WILL! I do not mind spending money and time on this incorrect information. I have kept a paper trail of everything I have sent off with certified mail and a copy of the letters. 

A collection is by default past due, DELETE account for inaccurate reporting. 
Collection is reporting with 2 different dates of last activity. REMOVE for inaccurate reporting on my file.

Collection is reporting with 2 different dates of last activity. REMOVE for inaccurate reporting on my file.

Collection is reporting with 2 different dates of last reported. REMOVE for inaccurate reporting on my file.

Collection is reporting with 2 different dates of last payment. REMOVE for inaccurate reporting on my file. 
If this is the same account being reported by the same source why is this data different? Delete account for inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian service has my income Incorrect on there website. 
They have {$55000.00} Year income. 
That's not correct, the correct amount should be changed to {$94000.00} yearly income. 
This wrong salary has caused my net income to show debit to ratio at 65 % usage. 
My credit score has drop by Over 40 points this unfair business Practices. 

I have sent disputes, talked to Experian agent multiply times Since XX/XX/2023/ with a copy of my credit report from a chase Issue. 
Please help me contact appropriate department to corrected matter over 6 years wrong on my records. Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled a Hard Inquiry on my account which caused my credit score to drop and now I am unable to apply for an apartment and relocate for my new job.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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
Product: Debt collection

Hello CFPB, I hope you can help me. 
After closing my case in XXXX, Case Number XXXX ( public information and can be looked up online in California Courts records ) XXXX XXXX XXXX   a collection company with the address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, sent me a letter informing me I still owe a balance of {$820.00} outside of the settled case. I do not owe this amount and I called them and they told me I need to pay this amount to satisfy their client which is XXXX XXXX. The specified amount I owed was paid off and the case is closed. Now they are also calling me constantly and I need your help to stop them. Thank you very much for your time.
Product: Vehicle loan or lease

XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint Against Credit Acceptance for Violations of the Fair Debt Collection Practices Act ( FDCPA ) Dear Sir/Madam, I am writing to file a formal complaint against Credit Acceptance for what I believe to be serious violations of the Fair Debt Collection Practices Act ( FDCPA ) related to the repossession of my vehicle. The actions taken by Credit Acceptance have not only caused me significant distress but also financial harm. Below, I detail the key issues that necessitate investigation and action from the CFPB.

Unfair Practices : Credit Acceptance repossessed my vehicle without properly addressing or acknowledging my ongoing credit dispute. This action disregarded my rights under the dispute process, potentially constituting an unfair practice under the FDCPA.

Deceptive Practices : Throughout the dispute and repossession process, Credit Acceptance may not have clearly communicated the status of my dispute or misrepresented the process or their rights to repossess the vehicle. This lack of transparency and possible
misrepresentation could be deemed a deceptive practice under the FDCPA.

Failure to Communicate : Despite my dispute being in writing, Credit Acceptance proceeded with the repossession without adequately addressing the dispute, seemingly in violation of the FDCPA 's requirement for debt collectors to cease collection efforts until they verify the debt.

Furthermore, I wish to highlight a specific incident that underscores the aforementioned issues. I was informed by Credit Acceptance that I had until XX/XX/XXXX to retrieve my vehicle and personal belongings. However, on XX/XX/XXXX, the towing lot informed me that my vehicle had already been released to auction. This premature release of my vehicle to auction, despite my compliance with the deadline and having made the necessary payment, has caused me significant distress and financial harm.

Given these circumstances, I respectfully request that the CFPB investigate this matter and take appropriate action against Credit Acceptance for the potential violations of the FDCPA. I believe that the actions of Credit Acceptance not only violated specific provisions of the FDCPA but also fundamentally undermined my rights as a consumer. 


Thank you for your attention to this matter. I look forward to your prompt response and am hopeful for a resolution that addresses the injustices I have faced. 


Sincerely XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days To following information on my credit report is the result of identity theft and should be blocked : accounts number ; XXXX  BALANCE XXXX $ As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information sheeld be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Account name : # XXXX : # XXXX, Account name : XXXX XXXX  XXXX # XXXX, Account name : XXXXXXXX XXXX  XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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 card

On XXXX/XXXXXX/XX/2015 I called customer care for XXXX credit cards to see options for trying to open my available for purchase amount. I had just returned an item and was looking to purchase something else. When I spoke to the representative he advised me there were no options and I would have to wait for the credit to apply. We then spoke about a possible credit limit increase. At this time he said that since it was a new account and nothing had changed the credit line probably would n't change. This is considered discouraging a customer to request a credit limit increase and is in turn against the law. When I advised him that what he just said was illegal he then said he can help me request the increase. I just really surprised and taken back by my interaction with this company.