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

To whom it may concern, XXXX XXXX XXXX I have received a copy of my consumer report, i noticed late payments posted on my consumer report In reference to above account XXXX XXXX. Your company is in clear violation of the law by posting late payments. THE FAIR CREDIT REPORTING ACT 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all late payments from the above account. I do not consent to XXXX or any automated means of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I joined XXXX just so I would get better service, and the service is still awful. I disputed one account last year and it was supposed to be removed, however recently I saw that XXXX is still reporting it incorrectly. I also have tried with all three of the reporting agencies about the removal of late payment, they can't be investigating it correctly because I contacted the company and was told that they could not find a late payment. Additionally, all of these companies report better scores when you become a member. This has to be fraudulent behavior. I would like to have all three companies to be investigated about having to be a member in order to get your score reported correctly.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


1. XXXX - XXXX 2. XXXX  - XXXX 3. XXXX  - XXXX 4. XXXX XXXX XXXX - XXXX 1. XXXX - XX/XX/XXXX 2. XXXX - XX/XX/XXXX 3. XXXX  - XX/XX/XXXX 4. XXXX  - XX/XX/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, credit repair services, or other personal consumer reports

Ok now Im officially XXXXXXXX XXXX transunion XXXX and XXXX are a bunch of liars. I disputed my XXXX XXXX account it shows two late payment, they were both late because the bank teller put my money against a different loan!!!!!!!! All three of these credit bureaus are a joke, my XXXX XXXX account one day says its closed the next it says its in collection and the next its asking for money, that makes it impossible to dispute because they wont take my dispute and follow the account but they take the XXXX XXXX acc and follow my name and credit report so the a dispute is useless, and all day today XX/XX/2023 they hung up the phone, there sites are un useable and online chat they would disconnect right away. Now I want some answers that will take care of my problem because Ive been at this for 4 months, Ive had it and I want some answers
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion are fraudulent on my credit account DEPT OF ED/XXXX is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX is fraudulent on my Acct # XXXX. XXXX/XXXX is fraudulent on my Acct # XXXX. XXXX XXXX XXXX XXXX XXXX is fraudulent on my Acct # XXXX. XXXX is fraudulent on Acct # XXXX.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Dear sir or madam, I recently did an investigation of my credit report and found 1 incorrect item on my credit report. 

The account XXXX XXXX last reported on XX/XX/XXXX does not belong to me. This account was opened fraudulently and was not authorized by me. I have not done any business with XXXX XXXX XXXX 

I have contacted XXXX XXXX on multiple occasions to report the fraud and have asked for them to stop contacting me regarding this account as it does not belong to me. The harassing calls all day/night never stopped and now this account is appearing on my credit report. 

I contacted them on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

I have never done business with XXXX BANK AND DID NOT OPEN UP THIS ACCOUNT WITH THEM. I would very much like to ensure my credit report is accurate .Please update me with a full report on your findings. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XX/XX/XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

Purchased car last XXXX from XXXX XXXX By XXXX the engine went out in car, I had to pay to be able to get around. Took XXXX weeks to get a rental car before they decided to give me a car. Not what I originally purchased. Since the new company has taken over I have had to to replace the whole back end of the car. Now they expect me to pay {$1500.00} I dont have because they gave me another car thats bad. Westlake management is no better than XXXX XXXX
Product: Mortgage

SLS ( XXXX ) has misrepresented me by using a much lower XXXX score I have just received documents from SLS ( Specialized Loan Servicing ) on XXXX ( see attachment with errors ) We have rented rooms out to roommates/tenants to help us with our 1st mortgage monthly payment of {$4200.00} and other maintenance expenses. 

Second Mortgage - Original loan of {$180000.00} by ( XXXX XXXX XXXX ) XX/XX/XXXX to XXXX, then XXXX Then SLSXXXX ( new creditor ) After disclosing all the options with our tax adviser, he recommends the option ( in XXXX ) would be practical ( see attachment ). 
Other option offered in XXXX of XXXX, ( see attachment ) will force us to be default or foreclose later or bankruptcy Now it has increased to {$400000.00} because of the High-interest rate ( as we were victims of the predatory lending in XXXX ) SLS/XXXX refused HUD-assisted modification package SLS/XXXX has created its own MODIFICATION, demanding an {$80000.00} cash down payment with a high-interest rate on the balance of {$320000.00}. 

Due to family difficulties and additional financial expenses during the COVID LOCKDOWN AND UNEMPLOYMENT, we have used up our savings to maintain. 

SLSXXXX refused to give us an affordable modification SLSXXXX threatens us with Foreclosure as its now in Pre-foreclosure status SLS XXXX XXXX XXXX this company appears to not follow the California state laws and should be investigated. 
SLS is very abusive and unprofessional by phone SLS refused to communicate or correspond by email Specialized Loan Servicing ( SLS ) representing creditor ( XXXX XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/year> and notice there were accounts that do not have permissible purpose to be on there. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. In acordance 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 XXXX XXXX XXXXXXXX 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. I also asked for the original contract to be provided and it was not.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Portfolio Recovery calls from various numbers throughout the country every day. They never leave a message and when I do pick up they hang up. I filed bankruptcy a few years ago and now I dont owe any debt or have any current debt, so I dont know why they are calling me
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account Name : XXXX XXXX Account number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the follow up. Please send me an updated copy of my credit report after your reinvestigation. 













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

I am intrested In disputing all incorrect information on my credit report with Equifax.
Product: Credit reporting

Judgment XXXX In the Matter of the Marriage of XXXX XXXX and XXXX XXXX in the District Court XXXX Judicial District XXXX XXXX County, Texas XXXX Final Decree of Divorce. " It is ordered and Decreed that the husband shall pay, as a part of the division of the estate of the parties, and shall indemnify and hold the wife and her proerty harmless from any failure to so discharge, these items : Debt owed to Sears, Account Number ending in XXXX. Per the Divorce Decree I closed the account and added XXXX XXXX on the account. Since, the divorce XXXX XXXX XXXX has missed several payments which are now on my credit report. I have contacted Sears at XXXX which acknowledge they have a copy of the divorce decree but will not remove or modify the credit report. Per customer service will continue to report any future late payments from XXXX XXXX to my credit report.
Product: Debt collection

Dear Sunrise Credit Services INC, This letter is to formally dispute the validity of a debt you are attempting to collect from me. I am writing to you in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Dispute of Debt and Request for Validation I am disputing that I owe any debt to you, current, or the original creditor. Under 12 CFR 1006.34 ( b ) ( 5 ) of the FDCPA, you are required to provide me with written validation of this debt, including the purchase agreement between Sunrise Credit Services , INC & the original creditor, amount of the debt, the name of the creditor to whom it is owed, dates of any charges and a signed contract that includes my wet physical signature. Please furnish this information within 30 days of receipt of this letter. My failure to respond does not in any way imply that the debt is valid. 

Violation of Consumer Rights Your collection efforts appear to be in violation of the FDCPA in the following ways : 15 U.S.C. 1692 ( e ) : Sunrise Credit Services , INC has used false, misleading, misrepresentative, or deceptive means in your communication with me.

12 CFR 1006.34 ( d ) & 15 U.S.C. 1681s-2 ( 7 ) ( A ) : Sunrise Credit Services , INC has furnished or attempted to furnish information about this debt to a credit reporting agency without providing the required disclosures by law.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease and Desist Communication Pursuant to 15 U.S.C. 1692 ( c ), I am revoking my consent to receive any further communication from you regarding this debt. All future communication must be done in writing through the United States Postal Service. Please be aware that the FDCPA allows for statutory damages of {$1000.00} for each violation. 
I will cooperate with a legitimate debt collection effort, but only once the debt has been properly validated according to the law. 
Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

Dear Sir / Madam, I initially learnt about a Cryptocurrency called XXXX XXXX XXXX XXXX XXXX I may have purchased approx. XXXX XXXX or more through XXXX, It showed that the number of my coins increased in amount to XXXX, when I continued to make purchases it showed a different XXXX with number of coins at XXXX, the total value keeps fluctuating based on the value of the coins at currently shows approx. XXXX but when i try to exchange or swap the coins for USD it only shows/allow to me to exchange XXXX, worth approx XXXX currently, I want to be able to withdraw the entire value of my portfolio and earnings otherwise I believe this is a pure scam on a legit company like Coinbase to allow these coins to be stored on their XXXX. Please help urgently and advise before my money completely disappears. Thank you and Sincerely.
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 Finacial Protection Act ( CFPA ). 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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I see appropriate redress for these violations.
Product: Student loan

Have a loan that is from an institute from a different state ; it was online services. The only loan I should and do have is a institution in New York only. I would like to dispute this and get it off my loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Carmax since XX/XX/2020 about my reduced hours during Covid 19. I was granted 2 extensions however I received negative credit marking with late. I discuss with Carmax about the Cares Act section 4201 and Carmax refused to remove negative markings.
Product: Credit reporting or other personal consumer reports

My personal information is incorrect, i have been in trouble because of this. Please make sure to update as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my credit score on XXXX as of XX/XX/2022, my Sallie Mae has a balance of {$2700.00}, and Sallie Mae reported that as of XX/XX/2022. 
However, per SALLIE MAE statement, my balance is {$1800.00}.
Product: Credit reporting or other personal consumer reports

I recently disputed information on my credit report that did not pass CDIA Metro 2/CSRA compliance. The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact, fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to CERTIFIED METRO 2 COMPLIANCE standards ? I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws provide that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all the information you used for your investigation, as FCRA 611 ( a ) ( 7 ) requires. Please reply within ten days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
Product: Student loan

I have a private student loan serviced by Mohela. The loan originated in XXXX for the amount of {$15.00}, XXXX. I have been making payments as they have instructed/set up since that time. I had a co signer on the account who recently passed away. I have tried several times to discuss paying off this loan for a lesser amount than what is owed ( {$22000.00} ). I have calculated the amount of interest I have paid on this loan since it originated and have paid {$28.00}, XXXX in interest alone ( this does NOT include my principal payments ). The current interest rate of this loan is 17.75 % making it an impossibility to pay off for a reasonable amount. I have offered to even pay back the original loan amount of {$15000.00} ( giving a profit of over {$28000.00} on this loan ) and Mohela refuses to offer any negotiation. I understand that I took out a loan and was responsible for repayment but I have more than repaid the loan along with an absorbent amount of interest. This would not happen with any other loan or company.
Product: Money transfer, virtual currency, or money service

Im filing complaint against cash app Block , inc due to inadequate customer service support which violates consumer financial protection cash app failed to take effective measures and time to prevent fraud leaving my account unprotected the dispute process was unfair and did not comply with error resolution requirements under the EFTA ACT these kids of acts have caused a significant inconvenience and financial loss and I seek appropriate redress for these actions and violations
Product: Credit reporting or other personal consumer reports

You violated the United States Code Law ( TILA 15 U.S, Code 1666 ( b ) charge error ). Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S. Code 1666 ( b ) billing error. The creditor 's inability to truthfully depict an obligation payment or credit that was given to the debtor on a statement. A computation error or other similar accounting error on a creditor 's statement. 

Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with a statement at least 21 days in advance, so precluding any occurrence of late payments on this account. I kindly request access verifiable evidence from the creditor 's financial institution that substance my non late status, which can be attributed to an evident billing error. my consumer report states each of the item below needs to be change in reflection agreed upon payment.