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

I have retained new copies of my credit reports, and noticed that XXXX did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you received on XX/XX/2018 per CFPB. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 

XX/XX/2018 Hello, Thank you for your complaint XXXX about XXXX. We've sent your complaint to the company for their response. 
We will let you know when the company responds. The response should include the steps they took, or will take, in response to your complaint. 
You should receive a status update within the next 15 days. 

Your company responded on XX/XX/2018 and still failed to place a notice to dispute to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening! Listen, I was going through my credit today and noticed that there are several un-authorized and un-known companies listed below trying to access my credit report without my written consent. As I was reading through the ftc and cfpb website and understand the fair credit reporting act - It says it clearly that Im protected under FCRA 15 U.S.C. 1681 ( b ), and Section 604, where the permissible purposes are when the consumer provides written permission and when disclosure is required by court order, firm credit offer, employment offer, etc. 

I also contacted those companies listed below individually and asked them to take action to get these inquiries removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

Again, I do not recall giving my authorization for this credit pull, please remove them all
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX Acccunt # XXXX and XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting 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

They call almost daily. I have asked them to stop calling as it is a wrong number but they continue to call over and over again.
Product: Debt collection

I began receiving phone calls from Harris & Harris in XXXX of 2024, every single day, often several times a day, XXXX. I've maybe received a voicemail a handful of times, stating the intent of the call. I have never received anything in writing regarding this debt -- nothing notifying me of debt, nothing allowing me to dispute, nothing allowing me to settle. In early XX/XX/XXXX2024, I noticed that this company filed a negative/collection to my credit report. I disputed this filing and saw that the company quickly closed the account. However, I saw that this company reopened the account in early XXXX of 2025. Again, I've not received anything in writing, and this company continues to call me multiple times a day. I've not answered their calls, because I don't want them to reset the collection or make the claim that I've acknowledged it belongs to me. In the meantime, I've once again, disputed this filing to my credit report with the proper credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed accounts listed on my credit report with Equifax. I have sent certified letters for tracking purposes. I sent a letter in dispute of listed accounts of XXXX, XXXX XXXX XXXX, and XXXX XXXX. I had requested verifiable proof that I owe these debts to these companies ; I requested copies of the original consumer contract with my signature on these contracts showing that I owe these companies these debts. I have asked for first and last names of the end users at Equifax that have been working my file. I have provided sections of the FCRA proving I am entitled to all the information that I have requested. Equifax has failed to supply any of my requests. On XX/XX/XXXX, I sent a certified letter to Equifax ( XXXX ) and as of XX/XX/XXXX, they have not responded. I sent a follow up letter on XX/XX/XXXX XXXX XXXX ) stating they must remove all accounts that have been disputed due to a non response within 30 days of the dispute. Equifax still has not responded. I am demanding these derogatory accounts be removed immediately due to continuous, multiple violations. 

Who performed the independent investigation? How did they come to the conclusion that the debt is valid? Explain exact methods and how the " reasonable investigation '' was conducted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a late payment on my report for @ XXXX XXXX? XXXX, however I have not incured Any late payments on Any accounts within the past year or so. When I contacted XXXX about this the were not able to provide me with any open account that incured any recent late payment. Howbeit, they are reporting a recent late oayment on my account which is totally incorrect and caused my score to drop significantly. I verified with all of my reporting accounts and none of them justified any late payments as claimed. Can you please resolve this error. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information & unlawfully listed without consensus.
Product: Credit reporting or other personal consumer reports

This afternoon, I was stunned to discover that my credit report was showing accounts that simply shouldnt be there. I have always checked my report regularly, and everything has been accurateuntil now. I tried refreshing the page, hoping it was just an error, but the discrepancies stayed put. This issue is extremely concerning, and Im asking for a thorough review of the documents I provided to ensure this doesnt happen again.
Product: Credit reporting or other personal consumer reports

I dont know who Im supposed to talk to, but Im tryna buy a house, and yall got this account marked as disputed. Thats messin me up, and I need it gone today. Why yall keep messin with peoples accounts like this? This dont make no sense at all.
Product: Checking or savings account

My attorney sent subpoena for bank records for these accounts and bank stated unable to locate records. As these accounts were accessed in XXXX of XXXX, how could they loose records in less than a year of which required to keep? Again Wells Fargo declares bank records as lost, cant locate, missing from bank - when was this a thing or acceptable? Are they under any regulations? The subpoena for records was on XX/XX/XXXX and XXXX months later, they also do not respond within 14 days, they also require you give the account numbers XXXX by XXXX versus locate under account owner social security number or TIN - its painful and they dont comply nor transparent.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX XXXX regarding their failure to comply with my opt-out request to stop reporting account information to non-affiliate third-party credit reporting agencies, namely XXXX, Experian, and XXXX. 

On XX/XX/2024, I sent a written opt-out request to XXXX XXXX XXXX requesting that they cease reporting my account information to non-affiliate third-party credit reporting agencies. This opt-out request was sent in accordance with the Fair Credit Reporting Act ( FCRA ) and the regulations outlined by the Consumer Financial Protection Bureau XXXX CFPB ). 

Per FCRA regulations, XXXX XXXX was provided with a 30-day window to respond to my opt-out request. However, to date, I have not received any response from XXXX XXXX, nor have they taken any action to stop reporting my account information to the aforementioned credit reporting agencies. 

This failure to comply with my opt-out request has resulted in continued reporting of my account information to credit reporting agencies without my consent, which is in violation of my rights under the FCRA. 

I request investigation into this matter and take appropriate action against XXXX XXXX for their failure to comply with my opt-out request and for violating the provisions of the FCRA.
Product: Debt collection

I am writing to dispute a fraudulent account that is being reported by TOTAL VISA XXXX on my credit report. I have no knowledge of this account, and I did not open or authorize it. I believe this account is the result of identity theft. I request that TOTAL VISA XXXX cease reporting this account and remove it from my credit report as soon as possible. 

I am currently taking steps to protect myself by completing the identity theft report .Please provide confirmation that this account will be removed from my credit report.
Product: Checking or savings account

There were two transactions on XX/XX/XXXX that were noted on my account as pending. When i checked the app even after XXXXXXXX XXXX onXX/XX/XXXX they were still listed as pending. Those 2 charges that were not recurring charges. I do not have overdraft protection. Which i was told on XX/XX/XXXX that they would only pay an item if it is a recurring charge and the others wpuld be rejected. as all of the phone calls are recorded. Chase bank never gave me an option to be able to cover the charge as it was still a pending transaction and not posted. Which they had the option to reject it but they did not instead found a way to charge me an overdraft. One transaction for. XXXX mobile was actually charged to my card on XX/XX/XXXX and was not posted until XX/XX/XXXX. And when i made the charge i had the money in my account. But it did not post until XX/XX/XXXX. But they changed the system on XX/XX/XXXX and said it posted on XX/XX/XXXX. They are illegally taking an overdraft fee for two charges by changing the dates around in their system and falsely saying an item was paid on time. The XXXX XXXX XXXX   charge was scheduled to be paid on the XX/XX/XXXX but was not paid to XXXX XXXX XXXX. They are illegally and falsely charging me and overdraft when they didnt pay on the date the sysytem is saying it paid.which was changed on the XX/XX/XXXX to seem as if they rightfully chargeed me and overdraft fee. On the XX/XX/XXXX all my charges were pending. And on XX/XX/XXXX the system says it was taken out on the XX/XX/XXXX. They are refusing to return my overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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, OH XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2023, XXXX XXXX XXXX Balance : {$13000.00}, XXXX XXXX Balance : {$600.00} XXXX XXXX XXXXXX/XX/2023, XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment with the continued presence of inaccuracies on my credit file, despite multiple attempts to rectify the situation. The persistence of these inaccuracies is not only affecting my creditworthiness but is also hindering my financial opportunities. I urgently seek your assistance in resolving this matter. Despite my persistent efforts and adherence to the dispute procedures, the inaccuracies persist on my credit file. This situation is critical, as it is impacting my financial stability and credit opportunities. I urgently request the following actions : Immediate and expedited review of the documentation provided in support of the disputes. Fast-track removal of the inaccuracies from my credit file. Transparent communication outlining the resolution process and the steps taken to address this matter urgently. Attached, please find copies of the supporting documentation for your reference during the expedited investigation. I emphasize the urgency of this matter and the significant impact it has on my financial well being. As a consumer, I rely on the accuracy of my credit file, and it is crucial that these inaccuracies are promptly and definitively addressed. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX  Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$9900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXBalance : {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$9800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXBalance : {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  Balance : {$670.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have tried multiple times over the years ( when it was XXXX XXXX, and now Navient ) to get my loan refinanced to a reasonable point to no avail. I was told my only option was pay {$50.00} and place on forbearance, but with the stipulation, that you only get up to 12 months for the LIFE of the loan ( that they forced me to take at least once ), So I struggled for along time. I couldn't even combine it with other student loans, because it was " private '' and they'd rather watch me squirm than get anything. 

I'm now out of work for 3 months, not able to pay a dime as unemployment does not stretch for anything. I've tried asking for help multiple times, to be basically told, " too bad. '' The only way I got anywhere was literally yelling at them, and even then I think all I did was frustrate me more. 

The worst part has now become that they have gotten a 3rd party involved to " find '' me, and harass me at least 5 times in the last week, who will not give me any info unless I give them information I'm not comfortable giving, including who the " company '' was. That the only reason I knew it was Navient is because I called them again on XX/XX/18, and they admitted it.
Product: Credit reporting or other personal consumer reports

Reported inaccurate information on my consumer report. Information has not been verified with proper method of validation. 

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

XXXX  I am NOT   XXXX   customer.     I am not   XXXX   customer and I do n't remember I ever registered with   XXXX   IF I did I do n't think I will share with   XXXX   with my personal information like " STUDENT LOAN THINGS with  XXXX .       XXXX   provided my personal financial information a widely with third parties without my permission.     I contacted   XXXX   this mornin g (  XXXXX 2017 ) to dis pute all my credit history from his page. " When I Contacted  XXXX  and requested a dispute my credit report,   XXXX   asked me security question " like how much student loan do you have, and who is the loan provider?     The  XXXX  NOT my student loan lender, this not   XXXX    business, an d again I do n't remember I did share my student loan information with   XXXX  , again I dont want to share my student loan information with  XXXX  so I refused to answer  XXXX  's security QUESTION which related to with my personal financial informations. And   XXXX    sa id " if you do not provide how much student loan do you have and than we will NOT dispute your credit report. ''  XXXX   I  am NOT   XXXX   customer.     The company did provide my credit information to the third parties without my authorized signature/ without asking me. I request   XXXX   to dispute my credit history from the   XXXX   website.     EXPERIAN  I a m EXPERIAN customer.     I am request EXPERIAN to dismiss my OLD credit history from his webpage. Especially olds  XXXX  NO good for my future business.     EXPERIAN provided my credit history to third party without notifying me which have been impacted my business pretty deeply.     SO I request EXPERIAN to contact me first before provide my credit history to THIRD parties
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been inaccurately reporting credit information to the 3 bureaus which is effecting my credit and havent been able to verify the account so they have now took the item from an open collection status to closed. I have tried to dispute this collection several times and still haven't got the the account removed. I also contacted the XXXX they said they would send me information verifying this account and never did that as well. According to the CFRA laws, if an account can not be verified or reported 100 % accurately it need to be deleted asap from all the credits bureaus. I have attached a copy for my recent credit report on XX/XX/2023 FROM XXXX Reference # XXXX and underlined everything in RED that has been reporting inaccurately.
Product: Debt collection

Received a notification XX/XX/21 from the major 3 credit bureaus ( XXXX, XXXX & XXXX  ) that a debt was owed from collection agency XXXX XXXX. There's no contract with this collection agency that shows I owe a debt. Collection agency doesn't have the right to collect if there's no legal binding contract signed by me or any company I represent showing I owe XXXX XXXX. This collection agency XXXX XXXX also violated Section 623 of Fair Credit Reporting Act.
Product: Checking or savings account

In XXXX I was contacted by Wells Fargo advisors who offered me Accidental disability protection. In XXXX I was called again to upgrade my existing policy which I did, adding on Accident protector bonus. Between XXXX I never received any documentation that these policies were no in effect. In XXXX my son XXXX XXXX in an auto accident, and I reached out to Wells Fargo to access the benefits under the Accident protector plan and was advised that I did not have such a coverage as Wells Fargo did not offer this type of insurance. I explained to the representative that I had purchased this years ago and it was a rider on my policy, they again advised that no such services were available. On XX/XX/XXXX, I received the attached letters from Wells Fargo. I called the customer service department and was advised that they did an audit and found that many customers were sold these policies, and they are no longer available. I am reporting them as I am exhausted with getting ripped off by them. They owe me more than a measly {$2000.00}. they owe me more like {$100000.00} for a payout from when my son passed on this policy, they do not have any information for the broker on these policies they only provided the name of XXXX XXXX XXXX and XXXX XXXX XXXX, Please assist.
Product: Vehicle loan or lease

I am reaching out to address potential errors on my credit report. I kindly request your thorough examination of the following information to ensure its accuracy, timeliness, completeness, and verifiability. 

I have no knowledge of the account listed below and therefore request an investigation into their origin. I possess no documents such as a police report or fraud affidavit pertaining to this account. Additionally, please verify that they are not untimely, incomplete, inaccurate, or unverifiable. 

TOYOTA MOTOR CREDIT XXXX.
Product: Money transfer, virtual currency, or money service

In XX/XX/year>, my phone was stolen in XXXX XXXX New York. While it was stolen, the person zelled themself {$3500.00} from my checking account via XXXX on my cell phone. The money was sent to XXXX XXXX with a phone number of XXXX. I got my phone back but the money was already sent. 

I filed a police report the day of, but the person was never found. I also filed a report the day of with Wells Fargo and changed my checking account number. Wells Fargo did not return the money stolen, despite the records of the police report and facts that I did not know this person. I also have never zelled this amount of money in the past, which further backs up my claim.
Product: Credit card

The company I owned opened a chase credit card ending with XXXX, it says if I spend XXXX for the first 3 month, I can receive XXXX bonus points, but after I reached the XXXX, they closed the card, and said I will receive XXXX. 

And in XXXX, I opened a Marriot Chase credit card, it says if I spend XXXX for the first 3 months, I will have XXXX points on Marriot, right after I reached the goal, I received a letter saying they will close it on XX/XX/12, and I will not receive the points. 

If I am not qualified for chase credit card, they can just not approve me opening a new card, but they approve it, and just close the cards, after I meet the bonus requirements, and not offering me the bonus, this is bullying.
Product: Credit card

They closed my credit card account while I was actively making payments. They then took money from my savings account and put it towards the credit card as well. I didnt authorize that transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries and a wrong address reporting on my report. Tried fixing it.
Product: Credit reporting or other personal consumer reports

This is the follow up complaint for the negative items of my Credit report. I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX