23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt was settled as of XXXX XXXX for the amount {$1200.00}. This information has not been reported to the three credit bureaus and showing as account in collections. This has caused my denial for housing and also trying to obtain personal loan for my bank. I want it to reflect the accurate information.
Product: Vehicle loan or lease

I contacted my auto loan company and we made an agreement for a payment XXXX on XX/XX/2024. I still dont have the financing I need now thru trying to repossess my vehicle.
Product: Student loan

I disputed this accounts below 3 times with no response ; XX/XX/23, XX/XX/23, and XX/XX/23. 
MOHELA/DOFED : XXXX MOHELA/DOFED : XXXX MOHELA/DOFED : XXXX MOHELA/DOFED : XXXX MOHELA/DOFED : XXXX MOHELA/DOFED : XXXX MOHELA/DOFED : XXXX MOHELA/DOFED : XXXX MOHELA/DOFED : XXXX MOHELA/DOFED : MOHELA/DOFED : They did not enter a notice of dispute. They did not send a response back from investigation. Please see the attached letters. 

Delete this acount immediately for violating my rights : Under 1681i- FAILURE to conduct investigation Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information
Product: Credit card

I had a Comenity Capital Bank Ultamate Rewards credit card for a few years, paid it off, then closed the account on XX/XX/XXXX. I asked for a letter from Comenity bank stating that the account had been closed with a XXXX balance. I received that letter in XX/XX/XXXX. In XX/XX/XXXX I received another credit card in the mail with the same account number as the one I had closed. I had not asked for this credit card account to be re-opened and had not authorized it. It was done without my consent and without my knowledge. I had Comenity bank close the credit card account a 2nd time on XX/XX/XXXX and had them send me a letter confirming that the account is closed. I am afraid that it will be re-opened again without my knowledge and need to know what to do to not be a victim of fraud in this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I filed disputes with the all 3 bureaus and now it almost two months later and NOTHING!!!!! ... The disputes were for XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX. WHy is this taking so long to fix their mistake in reporting. I know they are supposed to send me response within 30 days and it been way over 30 days. I want this fix
Product: Checking or savings account

Capital one did not process my direct deposit dated for XXXX/XXXX/2025 they received the funds electronically on XX/XX/scrub>/2025 and has not made them available per reg cc this is a not acceptable. No ETA on when funds will be made available before a XXXX XXXXay federal non working holiday weekend.
Product: Credit card

I have disputed 4 late payments on two capital one accounts as shown in my dispute letter. These payments were initiated before the due dates in XXXX XXXX XXXX XXXX but they posted late due to USPS delays. Capital One has failed to correct the errors after my dispute. The incorrect late payments should be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Equifax is unable to verify and complete a full reinvestigation in 90 days. This is a violation of the Fair Credit Reporting Act. 
Find attached certified letter dated XXXX, XXXX XXXX. 
Today is XX/XX/XXXX and no response.
Product: Mortgage

House has been vacant for years in violation of reverse mortgage. Association assessments have not been paid for years ( also in violation of reverse mortgage ). 
House has not been maintained. Water is penetrating the exterior shell. As a direct result, the XXXX immediately adjacent townhouses are at risk of water penetration also ( which may have already occurred ). 
We are a small homeowners association, and can not afford the additional burden of a non-paying unit. 
Foreclosure was formally halted more than a year ago without notice or explanation. Foreclosure was reinstated in XXXX 2015 but is presently stalled without notice or explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2023 I noticed on my credit report that there are inaccurate information reported such as credit card accounts opened in my name without my permission and inquiries.
Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint regarding Google 's search engine practices, which have resulted in financial harm to me. Specifically, Google 's algorithm allowed a scam website to appear at the top of its search results, leading me to lose Ethereum cryptocurrency from my digital XXXX wallet. I performed a Google search using the query XXXX XXXX XXXX XXXX  Among the top results was a website that appeared legitimate based on its description and ranking. I clicked on this link, believing it to be trustworthy due to its prominent placement. However, it turned out to be a fraudulent website designed to deceive users. Upon following the link and interacting with the site, I unknowingly provided access to my XXXX wallet. The result was the unauthorized transfer of my entire wallet and Ethereum. The harm caused by this incident is directly related to Google 's allowance of scam websites to appear prominently in its search results. As a global technology company, Google has a responsibility to ensure that its platform does not facilitate fraud by promoting malicious websites.
Product: Checking or savings account

Company was contacted XX/XX/XXXX, I said I want to move the funds out of Optum financial, I was told to go to the app and request a reimbursement. This was done, after a few weeks the funds did not arrive, I contact them again and was told it was best to close account, I was sent a form and a mailing address, the rep said this was the only option. I filled out the form and mailed it off. The funds still did not come, I contacted them and was informed it needed to be liquidated before funds could be sent out, this was not told on the previous calls. I then learned an electronic way to send it docs was available. I followed instructions to liquidate funds and was assured the check would be sent out. That was on XX/XX/XXXX. In the mean time they have taken XXXX dollars a month since XXXX when they knew I was trying to terminate the relationship shop.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/2023 ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to emphasize that I never authorized such actions, and this constitutes a breach of the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ]. I have already contacted the companies involved, and they failed to provide proper validation or original proof for their reporting, which adds to my disappointment and frustration. 

Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Never paid late on this account. I want the prior late payments updated/waived immediately. 

Listed below are the Collections that are being challenged- I regret to express my disappointment in your inability to furnish documented proof of compliance with reporting standards and consumer laws. This represents a significant deficiency. I hereby request the immediate deletion of this flawed and inaccurate report. Failure to comply may compel legal action against your company for its noncompliance with specific legal requirements concerning compliance and consumer protection. The accuracy of information is crucial to preempt potential future issues. Unfortunately, it appears that the gravity of this situation has not been duly acknowledged, and I am apprehensive that legal action may be indispensable. 

XXXX XXXX XXXX XXXX XXXX XXXX DELETE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE IMMEDIATELY
Product: Debt collection

A vehicle from 2017 is reporting {$0.00} balance on my credit report. I received a judgment from an attorney located in Arizona by the name of XXXX XXXX XXXX who is acting on behalf of a company XXXX XXXX. This attorney XXXX XXXX XXXX owns XXXX XXXX which has an office in XXXX, AZ as well as XXXX, WA. This person has threatened me with garnishments that total {$19000.00}. The legal civil limit foe a civil complaint in Nevada is {$15000.00} and an attorney can not own and operate the same collection agency that they represent. I have never had any written or oral communication with this attorney and or his collection agency therefore never having the opportunity to respond to any claims against me. I will be reporting this man to the Attorney Generals Office and the Board of Attorneys for unethical practices.
Product: Checking or savings account

I have lost/freeze/hold {$5000.00} USD in XXXX XXXX ( Personal Account ) and/or Wells Fargo ( Business Account ) XXXX 

To understand faster, in the attach " XXXX '' first page I, XXXX, did a map. 


1- In XX/XX/XXXX - I, XXXX XXXX XXXX XXXX ( XXXX ), as President of XXXX XXXX XXXX created a check # XXXX ( Wells Fargo Business Account ) with a total amount of $ XXXX 2- In XX/XX/XXXX - I, XXXX, deposit the check # XXXX in my XXXX Personal Account using the XXXX Mobile Deposit Application 3XXXX In XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ), as Vice President of XXXX XXXX, by mistake, deposit the same check # XXXX, with others checks, in his XXXX XXXX  Personal Account. ( I know this detail in XX/XX/XXXX, you will see the history, but I want provide the timeline ) 4- XX/XX/XXXX - XXXXXXXX XXXX Personal Account of XXXX, take out the $ XXXXUSD, Reserve Check XXXX. I, XXXX, went to XXXX XXXX  and try to open a CLAIM but they say " other financial institution deposit the same check on XX/XX/XXXX '' 5XXXX XX/XX/XXXX - I, XXXX XXXX started a CLAIM # XXXX with Wells Fargo XXXX XXXX XXXX XXXX Business Account, days after Wells Fargo send me a letter where I, XXXX, need to complete and sign the enclosed Affidavit of check fraud 6- XX/XX/XXXX - I, XXXX went to Wells Fargo and did the Affidavit of check fraud and sent it.

7- ( I called many times to follow my case with Wells Fargo but always the same answer " we are working we have 90 - 120 days '' ) 8XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX ) Call me at night because XXXX XXXX  XXXX Personal Bank Account, take out $ XXXXUSD from his account. I went to XXXX home and was here when I know that XXXX deposit the check # XXXX too In his bank appear " Returned Check '' 9- I, XXXX, wait come days to see the money in Well Fargo but that never happen. I went to wells fargo but it look like in few days the money will be in Well Fargo account. 

10- XX/XX/XXXX - I, XXXX, went to Wells Fargo , again, and this time I talk with the manager of that sucursal she recommend me escalate my case. 

11- XX/XX/XXXX - I, XXXX, I dont have the exactly day but XXXX  help to go with him to Chase Bank 12- XXXX I, XXXX, Received a call from XXXX XXXX manager tell me " Dont worry we are doing the best to take back your money '' 13- XXXX XXXX go with me to Chase bank and we talk personal with the Manager, the same person who call me few weeks before. He, the manager, told us, the money remain in XXXX bank and in few days XXXX and I, XXXX, need to go with our IDs 14- XX/XX/XXXX - XXXX  send an email to XXXX XXXX Manager, one day latter he call me and say, again, in few days he are pretty sure I will get the XXXX back finally 15XXXX XXXX XXXX contact with Wells Fargo to see any progress and I need to submit again, or reopen my case because was closed with any justification. 

I take out XXXX XXXX because the money was take just one time from Wells Fargo XXXX XXXX. 

Today Consumer Finance is my last option otherwise I need to forget that money, I spend more than 80 hours, going to banks, calling.

I appreciate any help I will attach all my case
Product: Vehicle loan or lease

On XX/XX/2023 I call VW credit Inc to get a payoff and they advised to me that they can only give an about and not a per Diem even to the customer. Also wouldnt release a payoff in tell I gave the name and f the company that I was requesting it for even though I am the customer. And still the company. Refuses to give me a full pay off. Also refused to give me pay off instructions. I spoke with XXXX XXXX that refuses to give a payoff unless I gave dealer information. And then spoke with XXXX XXXX  XXXX that also refused to give me a payoff. Also advise I had to write in to file a complaint with this service of the company.
Product: Debt collection

I Have Send This Agency Paperwork To Try To Settle This In A Civilized Matter, They're Trying To Collect Triple This Debt I Do Owed Them, Bringing In Another Debt Collector. XXXX Amounts That Are Way Different. In Another Bureau Is Showing Something Else. I Need Your Help. Thank U
Product: Debt collection

The date on the judgment from the state of Delaware is XX/XX/XXXX and was sent to and served at an address where I lived temporarily in XXXX. Since then I have lived in XXXX XXXX XXXX This vehicle was purchased in XXXX XXXX XXXX XXXXXXXX XXXX and I was the co-signer. 
XXXX XXXX in XXXX was in a XXXX XXXX  and passed away in XXXX. 
I had tried several times to get this removed from my credit report and just this year it was finally removed as it had fallen off per the 7-year rule. 
Only the first maybe XXXX payments were made on this vehicle so payments stopped in XXXX a year before they repossessed the car in XXXXXXXX XXXX XXXX XXXX of XXXX. 
I just received a writ of garnishment for this debt from my employer the USPS. I am currently out of work on XXXX and XXXX since XX/XX/XXXX. 
I believe the statute of limitations has passed for this debt and that I am not responsible. 
The general rule is that a creditor must present any claim within 6 months after the decedent 's death which was not done to my knowledge
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to formally dispute several unauthorized credit inquiries listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting and protection against inquiries made without my consent. Specifically, 15 U.S.C. 1681b mandates that a party must have a permissible purpose to access my credit report, and these inquiries do not meet that standard.

I had a conversation with the dealership and made it explicitly clear that I only wanted my credit application to be submitted to one bank. Despite their attempts to convince me that submitting it to multiple lenders would improve my chances of approval, I firmly declined, emphasizing my concern about accumulating multiple hard inquiries on my credit report. However, they disregarded my instructions and submitted my information to several lenders without my explicit authorization. 
I later reached out to the dealership for an explanation, but they were unable to provide a satisfactory response. Furthermore, they made no effort to address or rectify the issue, leaving me deeply disappointed with their handling of this matter. This violates FCRA requirements. The inquiries in question are as follows 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/year> These inquiries were not authorized by me. I request that Experian investigate these inquiries and remove them from my credit report.

Additionally, under 15 U.S.C. 1681i, you are required to conduct an investigation within 30 days and notify me of the results. Please confirm the removal of these inquiries or provide documentation showing permissible purpose and my consent.

If Experian fails to address this matter, I will consider pursuing remedies under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Unauthorized Credit Reporting and Demand for Compliance Reference to Federal and North Carolina Laws Dear UPSTART NETWORK INC., I am writing to address a concerning matter regarding the unauthorized reporting of information to my credit report, as per the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and North Carolina identity theft fraud laws, specifically North Carolina General Statutes Section 75-63. 

It has recently come to my attention that UPSTART NETWORK INCXXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is required for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, North Carolina state law, specifically North Carolina General Statutes Section 75-63, emphasizes the necessity of consumer consent for credit reporting and addresses identity theft fraud concerns. This law establishes clear guidelines for the fair reporting of consumer credit information and underscores the severity of unauthorized access and misuse of personal information. 

I assert with certainty that I have not provided consent for UPSTART NETWORK INC. to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, potentially damaging my creditworthiness and disregarding federal and state laws.

I demand that UPSTART NETWORK INC. immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and North Carolina General Statutes Section 75-63. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including North Carolina identity theft fraud laws.

I emphasize that obtaining consent is not discretionary but a legal obligation under these specific sections of the FCRA, North Carolina state law, and identity theft fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that UPSTART NETWORK INC. will promptly rectify these violations, respecting my rights under federal and state laws.
Product: Credit card or prepaid card

I was promised a phone call back from a CAPITAL ONE Account Manager,  XXXX  on  XXXX / XXXX /  XXXX   and never received a call. This complaint has not been resolved. I reopening the complaint for a final resolution.     I was lied to be pursuaded to use this high interest card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further  unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Product: Debt collection

I sent letters via certified mail to all three credit bureaus requesting validation for a XXXX XXXX/XXXX account. Per the certified mail receipts these letters were received by the bureaus on XX/XX/18 and XX/XX/18. No proof of validation was ever sent to me however all three bureaus updated my credit reports stating that the debt was valid. According to the FCRA they should have sent proof that the debt was valid within 30 days of the receipt of my request for validation in order to report the debt as valid.
Product: Debt collection

I'm writing to ask you to remove the accounts and data listed below from your consumer report. The following accounts and pieces of information shouldn't be included in my consumer report. This is a clear violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, and it has to be removed from my consumer report right once. Remove these accounts and data right away!
Product: Student loan

I was always told I had a very low interest rate and that I was paying principle and interest, I just looked at my payments under the new company Nelnet and I saw my balance was $ XXXX. I have been on this loan since I graduated college and the balance has never gone down. I was told by the rep that they charge me $ XXXX {$4.00} a day on interest so my entire payment has gone to interest all these years have paid on my loan. How is this possible on a low interest loan by the government. I am XXXX and I owe more now than when I graduated college at XXXX?
Product: Credit reporting or other personal consumer reports

XXXX 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance : {$250.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I logged into my account at XXXX.experian.com and found that I could not cancel my basic account online. The site stated I needed to cancel by calling their customer service number. I called, and after being prompted by the automated menu, I asked to " cancel account ''. The automated support asked me to choose a language in order to help me. After choosing it brought me back to the beginning of the menu. This continued in a loop and never progressed to a submenu option where I could cancel my account. I then asked for an agent and the automated support stated that I could only talk to an agent for " specific reasons ''. It did not provide menu options for which I would be able to speak to an agent, It only asked what reason I needed to speak to an agent for. I answered that it was to cancel my account. It looped me back to the main menu options again. Eventually the automated support stated it would not be able to help me and hung up the call. I called a few times and confirmed that the system gave the same result each time, that is it looped back to the main menu many times and provided no option to cancel the account and no option to talk to an agent in order to cancel the account.