23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or about XX/XX/XXXX Portfolio Recovery Associates, LLC., a collection agency and I settled a collection in full. The account was paid completely without a reduction on the principal balance. The amount was in excess of {$18000.00}. During the negotiation, they falsely claimed after the account was paid in full they will remove all records from all three credit agencies. They did with XXXX and XXXX, but not XXXX. This practice creates severe financial hardship and is misleading. I tried to reason with them. They made a false promise.
Product: Checking or savings account

I had just enough money to cover bills on several occasions, sometimes more than enough and at least one bill would always get returned and I would be charged a overdraft fee of XXXX. A few time the bank refunded me but I had to pay penalties with the bill company.
Product: Mortgage

My loan started out at {$70000.00} with Indy Mac. It is now up to {$80000.00} with another 30 years added. Another company, XXXX, supposedly was to begin to handle my loan. That did not work, I was charged because the company, XXXX, never existed. I keep making payments that are more than Ocwen is charging per month. I want out. I want to sue. A payment of over {$3000.00} was made but disappeared. A letter was sent that had nothing to do with me. Where do I sign up to sue. I have documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive never been late on my account I was to to dispute it on my end and they XXXX XXXX would update the credit bureaus with the correct information and for me to wait till the next billing cycles but they never fixed the problem and the late payment caused me to get denied on my refi
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I looking at my credit report, and I noticed errors with my personal information, misspelling of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such files. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, and FCRA laws and regulations, any others are inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

Listed below are the Personal Information that are being challenged : Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX XXXX XXXX Employer - XXXX XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate credit reporting issue that has caused significant financial harm. On XX/XX/year>, the student loan servicer, Firstmark, incorrectly reported a student loanon which I am a co-signeras late. While Firstmark has since retracted this erroneous report, the damage to my creditworthiness had already been done. As a result, another creditor took adverse action against me, requiring me to pay all my balances in full, leading to financial losses of up to {$50000.00}. 

Under the Uniform Commercial Code ( UCC ) and the Fair Credit Reporting Act ( FCRA ), both the credit bureau and Firstmark hold liability for reporting inaccurate information and the resulting damages. Specifically : UCC 1-203 Obligation of Good Faith : Creditors and reporting agencies are required to act in good faith when handling financial obligations and reporting. 
UCC 9-625 Remedies for Secured Transactions : If an entity causes damages due to improper reporting or enforcement, the affected party is entitled to compensation.

15 U.S. Code 1681e ( b ) ( FCRA ) Reporting agencies must maintain maximum possible accuracy in consumer reports.

15 U.S. Code 1681s-2 ( FCRA ) Furnishers of credit information ( such as Firstmark ) are responsible for ensuring the accuracy and integrity of reported data.
Product: Consumer Loan

This account was closed when the vehicle was repossessed XX/XX/XXXX or XX/XX/XXXX. The ex husband rook on the loan in the divorce and has since filed bankruptcy. It was included in that bankruptcy. This is not an open account and the car is no longer in my possesion. Please remove as an open auto loan and include in the ex husband 's bankruptcy. Please remove from my report.
Product: Credit reporting or other personal consumer reports

XX/XX/2022 Lexington law XXXX XXXX XXXXXXXX charge me XXXX upfront an XXXX for a hole year withdrawal out my account debt card account that company owes me XXXX an I I didnt charge my account information Ill still be charged I would lie a full refund
Product: Checking or savings account

On XX/XX/2023, I deposited a check from my homeowner 's insurance company into my Truist checking account. The check was deposited via the Truist app and was from XXXX XXXX Bank. On XX/XX/XXXX I received a message from Truist stating that a " hold '' had been placed on the check until XX/XX/XXXX. The only explanation I was given was " questionable collectability. For nearly three weeks, I have been trying to obtain a reasonable explanation for what was " questionable. '' I have spoken with XXXX call center employees and supervisors, my local branch manager, area manager, and have now escalated the issue further. To date, Truist has offered only excuses, corporate rhetoric, stonewalling, and lies. The most recent example of the bank 's refusal to answer a simple question was a response allegedly from their fraud department stating, " It's confidential. '' That's just 'bank speak ' for we're not going to tell you because we have something to hide. Truist 's antics have cost me a considerable amount of time, delayed important work on my house, and been a true exercise in frustration. It's a simple question : What was wrong with the check, and why in XXXX  with all of the banking technology available did it take TEN DAYS to figure it out? And why is the best answer Truist can provide " it's confidential? ''
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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: Credit reporting or other personal consumer reports

On several occasions I have contacted the company XXXX and the CRAs to provide a copy of a contract with a wet signature proving my business interaction directly with the reporting company of XXXX. Per XXXX, I was told to look online for this information and there no available information. I have asked to have the reportings removed if the information could not be provided and the companies continue to report against my request of proof. Neither of the reporting companies have given me a valid source of proof to report those disputed accounts.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I contacted Select Portfolio Servicing at XXXX central standard time. I had received an IRS tax transcript that contained information unknown to me. The XXXX phone call exposed an untruth regarding a {$250000.00} mortgage account using a variant of my name. The account represents actions unknown, undiscussed, undisclosed, and unauthorized by me. 

Internal Revenue Service tax records show that a mortgage loan was assumed by Select Portfolio Servicing on XX/XX/XXXX. I had been dismissed from the original loan with the originating bank ( XXXX XXXX ) in a XXXX XXXX XXXX in XXXX. Select Portfolio Servicing , Inc. allowed someone to renew and refinance the loan ( or a derivative, thereof ) in a variant of my name using my social security number. 

I, nor my children, have lived in or visited that residence since XX/XX/XXXX. I demanded Select Portfolio Servicing , Inc. disassociate all loans with my identity, or any parts or likenesses, and not be transferred to any other financial institutions. I asked them to comply by XX/XX/XXXX.
Product: Debt or credit management

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX file number XXXX reference number XXXX original creditor American Express Thank you for talking a couple of minutes out of your busy day to read this letter. I ve enjoyed my relationship with AMERICAN EXPRESS since XXXX. 
Im writing because i noticed your company reported a late payment in XXXX  XXXX on my credit reports. I am requesting a goodwill adjustment to removed this late payment from my credit reports ) XXXX, XXXX, and XXXX. 

Upon review of my record, I realize that I did indeed miss the payment deadline. Unfortunately, I was a victim of bad society that led me to not be able to meet my payments : I take full responsibility for the mistake and have made sure it won't happen again. As you can see from my payments history, I ve made every payment on time both before and after the late payment. 

I am in the process of applying for a loan credit house and the negative impact of the late payment could result in a denial for my loan or a much higher interest rate that could cost me a significant amount of money. If you could make the goodwill adjustment requested, I believe it will significantly improve my chances of approval and save me unnecessary cots in the process. 
I am a XXXX, I work for XXXX. You can imagine the responsibility I have and that I assume the responsibility that I made a mistake and that will never happen again so that you can remove my late payment, please
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$40000.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, my XXXX XXXX XXXX XXXX was towed to XXXX XXXX XXXX XXXX XXXX in XXXX  after an accident. Despite having my car on their lot from that date, repairs did not begin until XX/XX/XXXX, when I paid {$1000.00} toward the initial {$2000.00} estimate. After this, they claimed additional repairs were needed, increasing the total cost. I ultimately paid {$4700.00}, which is documented in my receipt. Throughout the process, I faced excessive delays, poor communication, and shifting timelines. The dealership repeatedly extended the estimated completion date and refused to provide clear updates. Each time I questioned the increasing charges, they insisted the additional repairs were necessary, leaving me no choice but to approve them. As the delays continued, I became frustrated with their lack of professionalism. Instead of addressing the situation properly, they decided to hold off on repairs altogether, citing my attitude as the reason. This decision unnecessarily prolonged the return of my vehicle and added to my financial and logistical burdens. Then, suddenly, the same day they finally released the car to me, it was found to be unsafe to drive. Upon driving it, I immediately noticed severe issues : a howling noise at XXXX XXXX, steering that would stick while turning, and then the check engine light turned on, followed by a XXXX XXXX XXXX Now warning. This indicates that the vehicle was returned to me in an unsafe condition without proper testing. I had my vehicle towed back to the dealership the same day, as it was unsafe to drive. Given the delays, misrepresentation of services, refusal to complete repairs in a timely manner, and negligence in ensuring the car was roadworthy, I am requesting an investigation into the dealerships repair practices and potential consumer fraud. I also seek guidance on reimbursement for the excessive charges and the significant impact this situation has had on me. They are unresponsive as of today.
Product: Student loan

XXXX XXXX XXXX sent my loan to MOHELA who is now charging me interest. I was in the process of loan forgiveness Based on public service. All my documents are gone that I uploaded to XXXX XXXX. I am unable to get in touch with anyone from Mohela. The whole process has been interrupted the deadline is the end of this month I have been making payments to be eligible for this forgiveness. Where are my rights as a borrower half of my loan is interest. The student loan Industry is just taking everybodys money and the government is letting it happen every day they compound interest and they make off like bandits. 
My loan started out with XXXX XXXX went to XXXX, XXXX  now Mohela. 

Now I have to submit new forms again and I dont have time for this this is extremely upsetting.
Product: Debt collection

I have requested validation of this debt and have not received. Furthermore, how can this me a debt & income. The agency states charged off but has failed to send me a 1099 or validation of any sort that this account is mine. Charging me for a debt which I stated was fraud is a violation without proper validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

So in XX/XX/2020 someone opened a credit card with a XXXX XXXX XXXX XXXX  I was a victim of identity theft from in XXXX XXXX did not know because my home address is just a mailing address for me at a building I own, so now that XXXX XXXX XXXX XXXX Im back living at my mailing address XXXX have police report
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 A. Section 3, which states, I have the right to privacy as well as 15 USC 1681 Section 604 A. Section 2. Which also states, a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b which states, a creditor may not treat a payment on a credit card account under an open consumer credit on a open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I was informed by XXXX XXXXXXXX that Equifax is reporting a credit score of XXXX with multiple inquires and delinquencies which is false. Attached is my score as of today. Equifax supplied a report for XX/XX/2021 in which reflected fraudulent accounts and errors that I have disputed numerous times and supplied countless amounts of evidence for and it's still being furnished on my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

They sent me an email stating that my credit score has  dropped to XXXX so they closed my account and I do not owe them anything, however, they have been calling me requesting payment every day.
Product: Debt collection

I did not of this debtor until my wages were garnished. i then called them and explained that I was never notified. They explained the address they sent the information to and it was an address i have not lived in for over 5 years. Also, after I filled out the paperwork sent to me, they claime dthey release the wage garnishment yet my employer is still garnishing wages. So I asked for a copy of the release order sent to my employer for proof that they did in fact release the wage garnishment and they REFUSED to give me a copy and said they will not send me any proof of the release.
Product: Credit reporting or other personal consumer reports

I have requested verification of debt with Self Finanancial/LEAD BANK. And never received it. Also This account is written as a charge off however I have not received any 1099 cancellation of debt to show that as taxable income. Because I have not received the 1099 cancellation of debt this account is inaccurate and needs to be removed due to inaccurate reporting.
Product: Credit card

My Google Ads account ( Customer ID : XXXX ) has been suspended for a vague " suspicious payment '' issue. I have verified the payment method in question ( XXXX ending in XXXX ) multiple times, and recent payments went through with no problem. 

Ive been corresponding with a rep named XXXX, and despite sending over bank details, SSN verification, card images, and more, I continue to receive the same copy-paste response with no clear reason or resolution. 

I have responded over 15 times, provided detailed verification, and still have not been given the courtesy of a specific issue to correct or resolve.

Google has now locked me out of advertising, is holding my funds, and refuses to release the account or clarify what caused the suspension. This is directly impacting my business.

Im requesting immediate review and correction, or release of my account balance. Support has failed to properly investigate or escalate this.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding three unrecognized credit inquiries on my credit report. Upon reviewing my credit report, I have noticed that there are three inquiries related to auto loan credit applications that I do not recognize or authorize. The details of the inquiries in question are as follows : Date of Inquiry : [ Inquiry Date ] XX/XX/2025 Entity that made the inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/2025 Entity that made the inquiry : XXXX XXXX Date of Inquiry : XX/XX/2025 Entity that made the inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/2025 Entity that made the inquiry : XXXX  These inquiries appear on my credit report without my consent, and I would like to request a full investigation to have this information removed from my report. Additionally, I kindly request that you provide me with any further information that explains how these inquiries were recorded on my report. Attached to this letter, you will find a copy of my credit report showing the unrecognized inquiries, as well as a copy of my identification and any additional documents required, if applicable. I appreciate your attention to this matter and am available to provide any further information you may need. I request that you keep me informed about the progress of the investigation and the next steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance for federal credit report act this creditor has violated my rights under 15.usc1681 on Section602 states I have the right to privacy 15usc1681 Section604 Section2 it also says consumer report agency can not furnish an account without my instructions 15.usc1666b a creditor can not treat a payment of credit card account under an open and consumer as late of any purpose.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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


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.