23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

The lender debited my account outside of the dates indicated on the repayment schedule they provided me. When I attempted to contact them to remedy, I was fed scripted lines & told that I was being charged correctly. I was told I could pay off the original loan and be finished ( after they have collected over {$500.00} in fees debited on incorrect debit dates ). I felt I had no choice but to pay off the original loan or risk more rouge debits. 

While I did not incur any overdraft fees, it has created a financial hardship as I am a single mother trying to move into a new home. 

I have the original contract and am happy to provide it to you.
Product: Debt collection

My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. I did not give consent to these accounts Or permissible purpose. I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 
DELETE THESE ACCOUNTS : Original creditor : XXXX XXXX XXXX XXXX Account Type : Collection, Date opened : XXXX XXXX, Account number : XXXX Please remove account. 
Original Creditor : XXXX XXXX XXXX, Account Type : Auto Loan, Date Opened : XX/XX/XXXX, Account number : XXXX Please remove account. 
Original Creditor : XXXX XXXX Account Type : Credit Card, Date Opened : XX/XX/XXXX, Account number : XXXX Please remove account. 
Original Creditor : XXXX, Account Type : Charge Card, Date Opened : XX/XX/XXXX, Account number : XXXX Please remove account. 
Original Creditor : XXXX XXXX XXXX XXXX, Account Type : Credit Card, Date Opened : XX/XX/XXXX, Account Number : XXXX Please remove account. 
Original Creditor : XXXX, Account Type : Credit Card, Opened : XX/XX/XXXX, Account Number : XXXX Please remove account. 


UPDATE FOLLOWING ACCOUNTS TO ZERO DAYS, PAID ON TIME, PAID IN FULL as there was a billing error.
Product: Credit card

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Deleted This item was removed from your credit report. Please review your report for the details. 
XXXXXXXX XXXX XXXX XXXXXXXX This item was removed from your credit report. Please review your report for the details. 
Deleted You can contact XXXXXXXX XXXX at XXXX XXXX XXXX, XXXX, DE XXXX or ( XXXX ) XXXX After your dispute This item was removed from your Credit Report. 
Before your dispute Account Info Account Name XXXX XXXX Account Number XXXX Account Type Credit Card
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am contacting you regarding a company Transworld Systems Inc. ( TSI ). They have made numerous collection calls to my person cell phone attempting to collect a debt on a person I have no relationship to ( XXXX XXXX? ) and no relationship to this debt. Attached is a letter that further described this situation, verification my cell is on the national do not call registry, cease and desist letter, call log, documentation from cell phone carrier, and whiteness statement. I have also provided documentation of hundred of complaints that were submitted to the XXXX  to support they are a repeated offender. 

I have sent this via certified mail. I attempted to resolve this matter via e-mail and phone. My phone calls was not returned. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation following information on my XXXX credut report. 

XXXX XXXX XXXX Balance {$130.00} Balance updated XX/XX/year> XXXX I paid the account in full, and it should no longer appear on my credit report. I am the victim of identity theft, and I did not open this account. The creditor misreported my account, and all my payments are current and were paid in full. I moved out of this apartment over a year now. 

Please let me know if any additional information is necessary to remove this from my credit reports. 
Thank you
Product: Debt collection

KEEPS CALLING MY WORK, CELL AND FAMILY MEMBERS AND SKIP TRACING AND ILLEGAL BACKGROUND CHECKS. THEY HAVE VIOLATED TCPA, FCRA, FDCPA.
Product: Consumer Loan

In Texas, took a {$10000.00} loan with XXXX XXXX. I have paid at this time $ XXXX and still showing a balance of XXXX. I understand that you have filed against them and other consumers no longer have to pay these. The interest rate supposedly was 89 % on this loan. I believe Texas has a cap? Can someone identify this for me?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th 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 alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$83000.00} XXXX XX/XX/2022
Product: Checking or savings account

I won a settlement from a court case. It was a larger sum of money than normally deposited. I reached out to local branch & was advised to come in to directly deposit the check. They told me at the branch they didn't know the rules for deposit on such a large check but would let me know by the end of the day. XXXX XXXX never bothered to call me to let me know when I could expect the funds to be released. So I called the customer service number the same day. The person i spoke with told me the funds would be released the next day by XXXX ( XXXX XXXX XXXX  as I started my account in XXXX, OR on my way to Alaska ). When the funds were released, I went ahead & pulled {$1000.00} out, and made many payments on various accounts I owned. ( Close to {$6000.00} ). I was assured by local teller once the funds were released, this would go smoothly. I went thru the local teller as I had issues with getting a check released on a previous time/day. 

Later on this day, the funds were then pulled from my account sending all payments & access to my money into a negative. I spent an hour on the phone being transferred to multiple departments. They said everything weighted on the original branch where I opened the account. I tried to talk with my local branch person & her boss only to be told they were too busy. I called the original branch in XXXX, XXXX where i opened this account ( while passing thu never visited this town before or after opening this account ) & spoke to the manager responsible for pulling the money from my account. She told me she never met me and could not stand behind my business. When I tried to explain I opened the account passing thru to AK & ask why " knowing me '' would make a difference since I'm not from XXXX. She responded I was a risk, & she stood behind her decision. When I asked her why the funds were relased then taken, she became very rude & said she stood behind her decison. I asked to speak with the head of XXXX XXXX & was told he was too busy to have an immediate approint as was his boss. 

In summary : I had a large check, I called my local branch to ask how best to deposit it so the process it in the most seamless manner, I spent an hour talking to teller about ways to maximize my accounts with Key Back but was NEVER given the info I needed about the deposit. When I followed up ; I was told a specific time the funds would be available. When the funds were relased I made immediate payments to pay off many accounts I held. Then, they removed the funds. The staff acted unavailable, gave me inaccurate info, gave me conflicted info, then made all of my accounts go red due to their systemic disorganization. This has resulted in several banking accounts being negatively served and affecting my ability to conduct myself in a solid manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that Chex Systems , Inc., mail me a complete copy of my Chex Systems Consumer Report. I need a copy of my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 collection bills that I settled and paid with the companies. XXXX  and XXXX  Credit Bureau updated and removed from my credit report ; however Equifax is still reflecting an outstanding balance for these 2 collections. 
On XX/XX/2020 I made a settlement payment with both collections : Opened XXXX XXXX XXXX XXXX   XXXX  $ XXXX Settlement {$600.00} Opened XX/XX/XXXX XXXX $ XXXXSettlement {$78.00} I have receipts and statements to show payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to get a car and the car dealership said it would only be their one lender and I recieved notification that multiple inquires were added to my consumer report without my authorization. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ) ( XXXX U.S.C. XXXX ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. 
XXXX : XX/XX/year> NSS : XXXX SECURITY FREEZE
Product: Student loan

I have had XXXX as a loan servicer for years. I work for the US Senate and my loans are now eligible for forgiveness. I started the process in XXXX. I was told it would take 90 for XXXX to transfer my loans to FedLoan for servicing and the transfer is still not complete. XXXX  has now turned their servicing over to XXXX which told me today the problem is on FedLoans side of the process. I keep getting the run around from FedLoans. Its not been over four months and Ive been on hold with FedLoans for two hours. Horrible customer service and an automated system that does not work. How have they not fixed this yet?
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting correct name and current address be reported. I have requested old addresses and incorrect names be removed. As of XX/XX/XXXX they have still not removed them. Also there are some accounts that are not being reported accurately. There are several discrepancies in dates and amount and open dates. I had student loans that were taken care of when I was deemed permenantly XXXX and they were cleared of any amounts owed. They are still showing up as negatives and hurting my credit
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I am a consumer as defined in the usc 15 1692a, consumer in fact, natural person, original creditor, lender, holder, executor with full life.

Fact, Fair Debt Collection Practice Act is intended to secure my right to privacy, and my privacy has been breached so be it ; XXXXXXXX XXXX XXXX is stating that i owe them $ XXXX. I have never done business with XXXX XXXX XXXX and i have the right to privacy as a federally protected consumer. Attempting to collect a debt from me is a violation of my right to privacy and i didnt give anyone permission to have my personal information, so they must have purchased my information, which is also a violation, because i didnt give them permission to contact me.

Fact, Fair Debt Collection Practice Act is intended to protect consumers against abusive, and deceptive debt collection practices and I have been abused and deceived so be it. 

They also dont have a License to collect in the state of Wisconsin , so any alleged business i have is not within their jurisdiction to collect. Violation of Federal Code 15 USC 1692e. ( 1 )
Product: Debt collection

XXXX XXXX sued us twice by XXXX different collection agencies on the same alleged debt that had been paid in full several years before. We were served the first suit ( the subject of this complaint ) in XXXX 2015. It was dismissed. Six weeks later, we were served another suit by a different collection agency ( see cfpb complaints # XXXX against the second collection agency and # XXXX against XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

As XX/XX/year> I have sent in letters and proof of my address and Drivers license and still TransUnion is reporting inaccurate information on my credit report that will prevent me from future lending. TransUnion is reporting XXXX XXXX on my credit report with no account number to identify this Derogatory account is false reporting and this account is not attached to any address on my credit report. I've uploaded showing that XXXX, XXXX doesn't show this Derogatory account on any of my credit reports. This is false reporting and I'm tired of reaching out by mail and getting no response pass their 30 day response. I request and investigation into TransUnion this is 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] TransUnion continues to still report false information and refuse to remove this Derogatory off my credit report. If TransUnion continues to report inaccurate information I will file a report with the FTC as fraud to my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I received a notification from my credit monitoring apps that there had been 2 hard inquiries made on my account. The first account was from OneMain Financial and the other was from XXXX XXXX XXXX. I have not applied with any creditors or loans in over 6 months. I did not authorize any company to make any inquiries to my report. I called One Main Financial to review the issue, however the employee answered the phone and advised me that they were closed and could not help me today.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have never given any permission for any consumer reporting agency to furnish my credit report. In light of the data breach at Equifax and other institutions, my privacy has been compromised. 15 US 1681 ( a ) ( 2 ) states that a consumer reporting agency may furnish a consumer credit report with the written instructions from the consumer to whom the report relates. Permissible purpose is written consent, I have never given written consent therefore this is also identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act, XXXX XXXX # XXXX XXXX Act. # XXXX XXXX  XXXX Act. # 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
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and CAPITAL ONE with no successful resolution. XXXX  was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX/XX/XX/XXXX.XX/XX/XXXX, XX/XX/XXXX /  XX/XX/XXXX-XX/XX/XXXX.
Product: Credit card or prepaid card

I signed up for a XXXX XXXX with Barclays Bank, using my existing XXXX frequent flier number. The bank offered a bonus of XXXX miles after spending at least {$2000.00} within 90 days. I met that requirement in less than 60 days, and paid my balance in full. After waiting for the miles to be posted to my account, I contacted the bank, and was informed that the miles had been posted. I then noticed that the bank had an incorrect XXXX frequent flier account on my credit card. I again contacted the bank to inform them that they had the wrong number. After SEVERAL phone calls, I was told that the bank had created a new frequent flier account with the airline, and hadn't bothered to tell me about it, or supply me with a password to access the account. The bank refused to correct its mistake, and I had to contact XXXX XXXX several time to gain access to this new account. Once I finally gained access, I saw that my XXXX miles had not been posted to the account. When I contacted the bank AGAIN, I was told that I was wrong, and that the miles had been deposited. I'm getting nowhere with Barclay 's Bank. I've spent more than 6 hours trying to resolve this issue, but the bank acts with impunity. Please revoke its ability to operate in the XXXX XXXX.
Product: Debt collection

Ive previously disputed this collection account and have denied responsibility for this. This debt is for someone else not me. Ive requested that they send me proof that this debt is mine as well as amounts and what not or remove the account from my report. I have gotten no response from them. No mail. No email. Nothing!
Product: Debt collection

This debt was through XXXX. The retailer closed my account, and changed who they have do their credit. The account was paid in full before they switched companies. I have a discrepancy on my credit report. I tried calling the debt collector, and they have no account matching my name. The name of the debt collector in JH Port Debt for {$400.00}.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for failing to conduct a reasonable investigation into disputes regarding inaccuracies in my credit report. Despite my repeated submissions, TransUnion consistently responds within XXXX hours, asserting that the disputed accounts are accurate without providing any evidence of a thorough review. 
This practice directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation of disputes. Additionally, TransUnions actions may also be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar misconduct. 

I respectfully request that the CFPB take immediate action to ensure TransUnion complies with federal law and provides consumers with verifiable proof of a proper investigation. Furthermore, I request the deletion of the disputed accounts from my credit report, as TransUnion has failed to fulfill its legal obligations. If this matter is not resolved promptly, I will be left with no choice but to pursue legal action for non-compliance with FCRA regulations. 

Here are the accounts marked as inaccurate : XXXX XXXX - XXXX XXXXXXXX - {$200.00} XXXX XXXX - XXXX  XXXX - {$360.00} XXXX XXXX - xxxxxxx XXXX - {$3000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX - {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - {$28.00} XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX - {$24000.00} DPT EDXXXX - {$11000.00} DPT EDXXXX - {$11000.00} XXXX expect a timely resolution, including the removal of these accounts from my TransUnion credit report. If TransUnion does not take appropriate corrective action, I will be seeking legal remedies to enforce my rights under the FCRA and CFPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX 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