23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account : XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/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
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 Account XXXX : XXXX Account Name : XXXX XXXX Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and 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: Debt collection

On XX/XX/2021, I received a letter from XXXXXXXX XXXX XXXX XXXXXXXX dated XX/XX/2021 stating that the debt has been retained by Citibank NA so I responded to a letter requesting for validation of debt respectfully. I have asked for this info : -What the money you say I owe is for ; -Explain and show me how you calculated what you say I owe you ; -Provide me with copies of the original instrument of indebtedness that show I agreed to pay you ; -Provide a verification or copy of any judgment if applicable ; -Identify the original creditor ; -Prove the Statute of Limitations has not expired on this account ; -Show me that you are licensed to collect in my state ; and -Provide me with your license numbers and Registered Agent. 

but I never received any of these. Also, the amount they said I owe is different from what's on my credit report if it is the account they are talking about, still I want it to be deleted.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, Equifax & TransUnion credit report on XX/XX/2025 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 ( 1 ) 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 suppose 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: Vehicle loan or lease

Toyota Financial Services take way too long to process their payments for no reason at all. i make sure to schedule my payments ahead of time so that my payments can be posted before the due date. however they still take unreasonably long and often times i miss my payment due dates because of toyota financial services fault. i did research and i found that many people have had the same issue as well. sometimes i will also schedule payments and for no apparent reason they get cancelled. for the month of XXXX my payment didnt go through and i ended up having to pay double in XXXX.
Product: Debt collection

I sent a letter informing them I never received anything from the origianal creditor in reference to this ( alleged debt ). Also I want to know how this collection agency ( CBE Group ) received my personal and private information. I never consent to 3rd parties receiving my personal medial information ( for collection purposes ) I always opt out of this. I believe this is violating HIPPA laws ; by this CBE Group illegally obtaining my personal and private information. Also this collection agency ( CBE Group ) are not the original holders of this debt. I believe the Fair Credit Reporting Act has laws about collection agencies illegally attempting to collect on debts.
Product: Student loan

I received in the mail a student loan application from Discover on XX/XX/2021 in the amount of {$74000.00}. I did not apply for a student loan. The application had my current address, date of birth and social security number. It also had my incorrect phone number and incorrect email address. I contacted the Discover fraud department and the application was withdrawn and Discover will investigate.
Product: Credit reporting or other personal consumer reports

I cant believe what I saw when I checked my credit report this morning. There are accounts listed that shouldnt be there, and Im completely baffled as to why this happened. Ive never seen anything like this before, and its terrifying. I even refreshed my browser, praying it was a mistake or a glitch, but it wasnt. These errors just wont go away. Im pleading with you to double-check the documents Ive sent because I desperately need this nightmare to end.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, DC XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Violation Complaint Against TransUnion Dear Sir/Madam, I am writing to file a formal complaint against TransUnion for a violation of the Fair Credit Reporting Act 1681n. Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Upon reviewing my credit report through AnnualCreditReport.com , I discovered that my rental payments for XXXX, XXXX, and XXXX have not been updated for over XXXX months. This lack of update affects the accuracy of my credit report and, consequently, my creditworthiness. 

Additionally, I contacted TransUnion 's customer service regarding this issue, and a representative informed me that my account would only be updated on XX/XX/year>. Such a delay is unacceptable and appears to contravene the obligations set forth by the FCRA to ensure that credit reporting agencies maintain accurate and timely information. 

I kindly request that your agencies look into this matter and take appropriate action against TransUnion for their failure to comply with federal regulations. 

Thank you for your attention to this matter.
Product: Debt collection

This is a case of stolen identity. This is a fraud case of someone stealing my social security and using my information to purchase or open accounts using my identity, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting a collection that does not belong to me. I have contacted XXXX now 4 times about the fraudulent collection account and still have not heard back from anyone. I have provided XXXX a copy of my recent police report and told them that the collection is not mine. I have also contacted Fidelity Information the collection agency reporting the fraudulent information and neither of them have responded. I have provided both company information about the fraudulent item, as well as a police report and neither company has taken any action to block the fraudulent account from my credit file. 


The following collection is Fraudulent FIDELITY INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$160.00} {$160.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX and I want it removed from my credit file, this is as a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, there were federal student loan amounts borrowed on my credit report and I was not going to school or borrowing for student loans at this time. And again in XXXX, I elected not to borrow and my credit report states that I borrowed a {$1000.00} that I did not. XXXX XXXX  XXXX XXXX appears to have access to my credit and I can not imagine who else would be taking student loans in my name that are not me, since I never see the money. Somehow I owe {$85000.00} for a degree that I have not finished. At least {$35000.00} XXXX and this is on the conservative side ) of the loans on my credit report are not mine.
Product: Credit reporting or other personal consumer reports

I am writing to express my growing frustration and disappointment with the repeated unsuccessful attempts to remove fraudulent items from my credit report. Despite my diligent efforts to rectify this situation, these fraudulent entries persist, causing severe financial distress and adversely affecting my ability to secure loans and financial opportunities.

Below, I outline the specific details of the fraudulent items and the numerous attempts I have made to address them : I have attached copies of the following documents for your reference : I have diligently followed the procedures outlined by the Fair Credit Reporting Act ( FCRA ) in disputing these fraudulent items. I have provided all necessary documentation to support my claims, and I have made multiple attempts to rectify this situation. However, my previous efforts have been in vain, and these fraudulent entries continue to inflict significant financial harm and emotional distress upon me.

I hereby request that your agency conducts a thorough and exhaustive investigation into these fraudulent items and takes immediate action to remove them from my credit report. Additionally, I urge you to implement measures to prevent the recurrence of such inaccuracies on my report in the future.

I am prepared to cooperate fully and provide any additional information or documentation required to resolve this matter expeditiously. I expect a written response from your agency within 30 days of receiving this letter, as mandated by the FCRA, confirming the removal of the fraudulent items from my credit report. 

Failure to address this matter adequately within the specified timeframe will compel me to pursue legal remedies available to me under the FCRA and other applicable laws. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX  XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$87.00} XXXX  XXXX XXXX Balance : {$100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$8800.00} XXXX  XXXX Balance : {$140.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$8800.00} XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$8800.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

We have not received our direct deposit and Ive reached out to capital one and no one will answer the call or give any response to our concern. Our funds were supposed to be available to us Thursday, XXXX XXXX. It is now Saturday XX/XX/year>, no funds, no explanation or ETA as to when we will receive our direct deposit. Our payments are late, account overdrawn, no groceries, late fees. No money for anything at all. Im not sure what we are going to do or what to do in this situation.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX, AND TRANSUNION for failure to report information in compliance with the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standards established by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under 15 U.S.C. 1681s-2 ( a ), data furnishers are required to provide accurate and complete information. However, the entity in question has reported inaccurate, incomplete, or unverifiable information on my credit report, violating these standards.

Despite my dispute, the information remains unchanged, and the furnisher has failed to provide proper verification. Under 15 U.S.C. 1681i ( a ), credit reporting agencies must investigate and correct errors within 30 days. This failure to comply directly impacts my creditworthiness and financial stability.
Product: Payday loan, title loan, or personal loan

SpeedyCash. 
When I pay more than the balance that is due my pay off amount drops like it should but when I get ready to make my next payment a couple weeks later on the due date and my pay off amount has risen back up. Ex. XX/XX/2018my payment due was {$82.00} and the payoff balance was {$470.00}. I paid XXXX even and the payoff balance was dropped to {$380.00} Two weeks later XX/XX/2018 I went to make my payment on the due date which was {$81.00} the payoff rose back up to {$460.00}. So I payed {$120.00} and the payoff balance dropped to {$340.00} I checked my payoff balance today XX/XX/2018 and it rose back up to {$410.00} Id like to know why they keep raising my payoff amount when Im paying more than the fee amount. How am I supposed to payoff my payment by my payoff due date ( XX/XX/2018 ) when they keep raising my payoff amount ...
Product: Debt collection

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 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

I sent a letter on XX/XX/2023, to remove these items : XXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$9200.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$19.00} XXXX XXXXXXXX XXXX Balance : {$880.00} XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX : {$31000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9200.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$880.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$1700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$9200.00} Which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX XXXX Ive already included this in my previous Complaint & I am including it again.,
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I noticed a company called XXXX XXXX XXXX XXXX XXXX had placed a fraudulent account on my credit report in the amount of {$4300.00}, account # XXXX. I immediately disputed this account with the original creditor XXXX XXXX as well as with XXXX XXXX XXXX XXXX XXXX. When I applied for an apartment I was denied due to my background check and never received a lease. However this company fraudulently placed this account on my credit file and refuse to remove this account. The credit bureaus also refuse to remove this fraudulent information from my credit report which is a direct violation of the law under the FCRA. This fraudulent information is causing irreparable damage to my credit file and my ability to obtain credit in the future. Im asking that this account be blocked from my credit file in accordance with FCRA 605B ( 15U.S.C. 1681c-2 ). Failure to do so will leave me with no other choice than to report your agency to the state attorney general and seek civil penalties for not being in compliance with the law. Ive attached a copy of my identity theft report as well as the e-mail received denying me a lease agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name, Address and other information being reported inaccurately. I have disputed things I was told you investigated and the information was accurate. You are giving my private and false information with out my knowledge or consent not only is it identity theft and fraud its against the the law. FCRA 609 ( 15USC 1681g ( e ) ) also you investigation should have been you contacting my neighbors, friends, family. Please send me names, phone number and address of anyone you spoke to. The CRA or Debt collector can not be the entity that gave you information that claim you investigated and claimed to be acutely investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

4 times have disputed inaccurate reporting of information to my Credit Bureau, never received any notification or documentation that a medical debt for an insured child was in collections from XXXX by DRS who is the one trying to collect the alleged amount owed of {$680.00}. The Collections agency is reporting that I opened an account in XXXX of XXXX and have been late since which has drastically effected my ability to obtain credit and falsely reported it does not report it is a medical debt and shows as an installment loan.
Product: Student loan

I re-applied for my XXXX plan this year. After being denied ( because I applied " too early '' despite being prompted to re-apply ) then accepted after applying again ( after another 2 months of waiting for a response ) I was given my new calculated monthly payment of {$520.00} that was due to begin on XX/XX/XXXX. I changed my direct deposit amount accordingly and have made payments since then. 
Now, my monthly payment ( starting in XX/XX/XXXX ) has inexplicably dropped to {$110.00}. While I would love to be paying less for my loans, it was odd to me that this changed in the middle of the payment year. 
I called XXXX in XX/XX/XXXX to discuss this issue once I inadvertently discovered it. They were unable to explain why this happened, except to tell me that I have been overpaying my account. Obviously I am confused by this answer because I have been paying the exact amount they told me to pay. This amounts to consumer fraud given that they either over calculated my payment or are now attempting to trick me into paying less now in order to gain more interest in the future. 
In addition, I have concerns regarding the tracking of the PSLF program. I have only 14 months of qualifying payments recorded in my account, despite 36 months of enrollment and payments. I also called XXXX to discuss this. They informed me that 9 months were not added in by mistake despite an application and payments on file. XXXX informed me they would submit this for review and I would receive an answer in 60 days. There is no form or letter in my account to verify that this review is in fact occurring. Finally, they told me that 2 months in XXXX ( XXXX and XXXX I believe ) I am listed as being in deferment/forbearance. I have a record of payments for those months and I never submitted paperwork requesting that status or was informed of it. They refuse to count those 2 months of payments towards my PSLF. If you 're keeping track, that still leaves 11 months of payments not counted towards my PSLF despite FedLoans confirming they have paperwork on file. The only explanation I received was that they were " behind '' in tracking.