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

To Whom It May Concern : This letter is being sent to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : 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 the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Product: Debt collection

I am very upset that I pulled a copy of my credit report just to find several accounts that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted DEPT OF EDUCATION/XXXX  & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed aslate on XX/XX/19 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATION/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is for Complaint # XXXX, established on XX/XX/XXXX. This complaint number does not yet show up in this account. I have uploaded eight pages of documentation. 

I have been trying to resolve this issue since XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a bankruptcy in XXXX of 2020. I disputed items that were in that bankruptcy with the three credit bureaus. The items have been updated properly on one bureau. But your bureau did not properly update them. 
Federal law requires that you update the present status of an item or remove it after dispute. I provided copies of my bankruptcy schedules clearly showing these three items. I have attached them to this complaint. 
The items that should be listed as " Included in Bankruptcy '' are : XXXX XXXX XXXX XXXX ( Acct. XXXX. XXXX XXXX XXXX XXXX XXXX ( Acct. XXXX ). And XXXX XXXX ( Acct. XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out serval times to get a payment arrangement was not offered the help until today how ever I was recently reported as not current after serval failed attempts of trying to pay the minimum. I have communicated an asked them serval times when I was unable to work they told me over the phone they didnt have anything to offer months later I got an email stating they offer payment arrangements. Then I have tried to get a payment arrangement it wasnt until today I have finally made contact to get one finalized XXXX months later. Completely ridiculous no one should have to go through. Horrible communication with this company. After several attempts of being persuaded into keeping my card open I was then put on a payment plan today. All of this could have been avoided if I was given the correct information the first time.
Product: Debt collection

I would like a judge to decide if XXXX XXXX XXXX followed the law during my stay as a tenant. My rent at XXXX XXXX XXXX was {$860.00} a month. XXXX XXXX XXXX evicted me after I paid the apartment {$32000.00} in rent and {$3000.00} in late fees from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX charged me late fees exceeding {$50.00}, {$300.00} fees for evictions and {$1000.00} in damages. XXXX XXXX XXXX put {$2200.00} in collections and an eviction on my credit report. XXXX XXXX XXXX overcharged me and caused me to be homeless. The eviction on my credit report made it impossible to get another apartment. I dont believe I received fair compensation for the money I spent at XXXX XXXX XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX   charged me {$1300.00}. 
On XX/XX/XXXX, XXXX XXXX XXXX charged me {$1100.00}. 
On XX/XX/XXXX, XXXX XXXX evicted my family and charged me {$2200.00} to return to my apartment. 
On XX/XX/XXXX, XXXX XXXX XXXX   charged me {$1000.00} On XX/XX/XXXX, XXXX XXXX XXXX charged me {$1400.00}. 
On XX/XX/XXXX, XXXX XXXX requested {$1400.00} in rent and late fees. I could not afford to pay and I was evicted. 
On XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX charged me {$1000.00} in damages. 
On XX/XX/XXXX XXXX XXXX put {$2200.00} in collections on my credit report with a company called Sentry Recovery Collections.
Product: Checking or savings account

Section 2102 of the California Financial Code states that if I want a refund and do not receive one that I am entitled to my money back plus penalty of up to {$1000.00} and attorney fees for you guys cashing my check taking your withdrawal out and then closing my account stealing my money is what one of your employees said. They said they cant do anything and yall are keeping my money which is pure highway robbery.I have disputed this transaction you guys locked me out of my account where I can still log in because I have an account still at this bank. 

I will take this to court if I have to for all the pain and suffering I am going through. My XXXX  XXXX  has declined because of this because Im homeless and this XXXX dollar company stole my money from me my insurance check and nobody ever does anything because the company is so well off, but I refuse to lose my sanity over this I will fight until I cant fight anymore because you guys broke several laws and also rules of your own all for a quick buck.
Product: Credit reporting or other personal consumer reports

The three major credit reporting bureaus Equifax, XXXX, and XXXX are not removing non verifiable adverse accounts off my account. XXXX XXXX XXXX, has never provided me with ALL the accurate verifiable information, so I am sure they could have not provided it to the credit bureaus. These credit reporting bureaus know they are getting paid by these companies to falsely place and keep negative items on consumers credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is preventing me from obtaining my credit report online. I fill out all my correct information and the site does not allow me to access my report. 

Equifax is also placing incorrect dates on old debts on my report by allowing collection agencies to use incorrect dates. Then they change my score without justification. They also do not investigate correctly. 

I should be allowed access to my report and disputes online. I have previously sent Equifax my driver 's license to prove my identity.
Product: Debt collection

XXXX XXXX XXXX Keeps calling my personal cell phone after I repeatedly tell him ( XXXX ) XXXX my number is on the Federal Do Not Call List, Stop Calling I requested my number be placed on the companies do not call list and the company keeps contacting me. I called the company and the secretary answering the phone will not verify I am on the companies do not call list, she transferred the call to collections. I am being harassed by GB Collects in violation of FTC do not call registry rules and regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have experiencing depressions and Hardship i have a my personal information stolen i have a police report I will upload! I reviewed my consumers reports and notice that I had serval late payments on accounts that I was never late for. Consumer reporting agencies have assume a virtual roll and have a responsibility to report consume to the best of there ability with maximum accuracy. I have never been late for payment for any of these accounts. ( XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provide I demand these payment be updated to on time as they should be as I was never late.
Product: Debt collection

I am not liable for this debt with XXXXXXXX XXXX and I do not have a contract with SW CRDT SYS plus they did not provide me with the original application like I asked.

Account No : XXXX Amount Disputed : {$70.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax 's 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I marked as inaccurate. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX Reporting this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 o 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
These account have late payments that I would like to be replaced with ok. The accounts are as follows XXXX XXXX- XXXX Has late payments attached to a now charge account. Charge accounts should not have any late payments due to the acccount is already late by default. 

XXXX XXXX XXXX & XXXX This account is not suppose to be reporting each and every month and the account is late by default. 

Kickoff LendingXXXX XXXX This account is a charge off and charge accounts are late by default so there should not be my late payments attached to it. It is also inaccurately reporting from XXXX XXXX XX/XX/2023 it goes from XXXX late to XXXX. I am sure that isn't accurate at all Please update and report pays as agrees. 



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Product: Credit reporting or other personal consumer reports

I was shocked to find inaccurate accounts on my credit report tonight, and I have no idea why theyre there. I regularly check my report, and everything was fine until this unexpected error appeared out of nowhere. I even tried refreshing the page, thinking it might be a glitch, but the mistakes stayed. Given this alarming issue, Im urgently requesting a thorough review of my documents so I can finally feel secure about my credit report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am customer with Wells Fargo since XX/XX/XXXX. I was trying to buy tickets to XXXX XXXX  online, and seller had good reason to selling at 20 % discount. We agreed to 50 % before and 50 % after I receive my tickets. I was buying 8 tickets and discount was significant I transfer {$220.00}. Phone number of seller was XXXX and money was sent using XXXX at XXXX and was sent on XX/XX/XXXX, this account is with XXXX ( US ) per Wells fargo Agent. My bank today informed me, there is no protection as I sent the money. When I had called on XX/XX/XXXX after seller stopped responding to txt ( he/she ) was at work so couldnt talk, I sensed scam. I called wells fargo and asked to hold this money. It was showing pending and agent said, they have taken notes and will try to hold. Next day I was supposed to receive call back from Wells Fargo - didnt get call. I called, and found money was sent as this was XXXX   transfer. The app for wells fargo, doesnt have option to make standard ( 3 day ) transfer, that online bank website has, so money went instantaneous. Wells fargo agent said, they are working with counterpart at XXXX to revert, but today agent says they can not do that, as I made transfer. Why not put a hold and ask each to prove why money was sent or why received, especially when complained? What protection does online money transfer provide? Or bank to bank relation ship between wells fargo and chase. They are helping fraudster 's with this, they allow them to open account ( i think even that was using wrong id ) and supporting by not holding this amount and others. The phone number is inactive since XX/XX/XXXX (  later in day ). So are the banks telling scamming is much profitable business than earning 8-5? That while they open accounts in your name, they can not protect your money, especially when a customer calls SCAM on this transfer?
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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 AND CRIMES WHICH ANTEDATES THE REPORT BY 7 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 or other personal consumer reports

TransUnion LLC XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear TransUnion Credit Reporting Agency, I am writing to formally dispute several inaccuracies present in my credit report associated with my file. Under the Fair Credit Reporting Act ( FCRA ) and the regulations enforced by the Consumer Financial Protection Bureau ( CFPB ), I am entitled to dispute inaccurate information and request a correction. 

Incorrect Address and Associated Accounts : The address XXXX XXXX XXXX, XXXX, XXXX  listed on my report is incorrect. Multiple accounts are inaccurately associated with this address, negatively impacting my credit score by XXXX points. This information should be removed in compliance with applicable laws. 

Inaccurate Charge Off : The debt reported by the XXXX  Department of Revenue as a charge-off is incorrect. This information must be verified and removed, as it does not reflect my actual payment history. 

Incorrect Payment History with XXXX  XXXX : TransUnion is reporting late payments on my XXXX  XXXX credit cards. However, I have never made a late payment on these accounts. This misinformation needs to be corrected immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion has failed to report my loan with XXXX XXXX XXXX XXXX, which is present in reports from other agencies. The accurate balance of {$9900.00} was paid in full as agreed. Attached is a copy of the promissory note validating timely payments. 

XXXX XXXX XXXX Misreporting : I have consolidated my XXXX  loans with XXXX as of XXXX. However, TransUnion continues to report these loans as individual accounts. This misrepresentation must be corrected.
Product: Debt collection

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was seen in the Emergency room at XXXX XXXX Hospital in Tennessee in 2015. The bill of XXXX $ was send to the Insurance and paid. Spoke with hospial and was told they Did Not send in a claim. Then talked to billing department and was told they had nothing against me. I dont have any paperwork on it. But XXXX did pay the bill. My ssn.XXXX. 
My birthday XXXX XXXX XXXX XXXX. I dont know any XXXX XXXX   and was never contacted by them. I need to get this off my credit report. I talked to the hospital and billing department and each time was told there is nothing. Please get this corrected or let me know what else I can do. I requested a statement but never received one.
Product: Vehicle loan or lease

i WAS SOLD A CAR WITH BAD ENGINE AND OTHER SERIOUS ISSUES i HAVE TAKE CARE TO THREE DIFFRENT XXXX DEALERS AND WS TOLD TO USE WARRENTY THE CAR WILL GET FIX I AM NOT SURE HOW GOT A CAR INSPECTED FROM MD IN THIS CONDITION i HAVE REACHED OUT TO XXXX XXXX  AND NOW i AM GETTING CONTACT THEM BY EMAIL THE XXXX XXXX XXXX IS CLOSED i TOLD FINANCE COMPANY I AM GETTING ROUND AROUND AND SRILL REQUIRE TO MAKE PAYMNYS
Product: Payday loan, title loan, or personal loan

This was an unsourced line of credit and the business closed over 14 years ago and I was a guarantee. XXXX has been and still is billing me when the business is going out of business. they went after me the first 7 years to try and only after selling the loan to a collections XXXX XXXX XXXX  XXXX. They in returned garnished my wages while XXXX whom had sold the loan and I sign an agreement to try and repay then attorneys from and was unable to meet the obligations, Both XXXX and the Collections company was hindering me. I refinance my mortgage in XX/XX/2010 and was made to remove the XXXX that was put against me only to have the same attorneys office file another banishment and XXXX on me personally. This has been going on for 17years and I am going to Sue
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Finance, My account ( number : XXXX ) with XXXX is currently being reported as delinquent when the account is closed. I have reached out to the credit bureau to correct this, but I notice the information is not reporting accurately. 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.

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 an 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

Thought i had a valid Purchased a vehicle from a Local Car dealer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XX/XX/20 Was not aware that the Contract was Invalid do to Wrong Name on contract until I fell behind in payments do to Covid-19 and me losing one of my jobs, I contacted Lobel Financial Corp. the loan company, and spk with agent XXXX and a female who said that she was A supervisor, informed her of my hardship, said that there were not able to help me with payment plans at the time that I would need to make payments do to account status. I agreed to post a month payment and kept the arrangement, even though the payment put me in Overdraft with my bank. I wanted to Honor the arrangements, the agent then agreed to allow me 2 weeks for my next payment as I was behind. but then the Car was repo I called and asked Why, I was able to speak with the supervisor and she said that She was aware of the arrangements we made and that they needed more info. Informed that I gave them all that they asked for the assistance and it was denied and then I paid and was able to pay 2 weeks later as agreed and was not able to do to repp. this has effected my credit, I have lost my 1st time home Buyer cert of XXXX do to this hitting my credit. I would like this removed from my credit and to be compensated for defamation of who I am a person and my credit