23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute an item on my credit report, as I believe that it has been reported negligently in violation of Section 1681o of the Fair Credit Reporting Act ( FCRA ). I respectfully request that you investigate this matter in accordance with the FCRA and correct or remove the disputed information if it is found to be inaccurate, incomplete, or misleading. 

The item in question is as follows : Account Name/Number : XXXX XXXX XXXX Nature of Dispute : Despite my efforts to resolve this directly with reporting agency, it remains unresolved, improper investigation, incorrect balance, incorrect account balance. 

As stipulated in FCRA Section 1681o, credit reporting agencies have a legal obligation to maintain accurate and up-to-date information in consumer credit reports. In this instance, I believe the information reported is inaccurate due to [ briefly explain why the information is incorrect, such as an error made by the lender or creditor, failure to update payment history, or reporting information that is outdated ]. 

In accordance with my rights under the FCRA, I request that you take the following actions : 1.Investigate the disputed information and ensure its accuracy.

2.Correct or remove the inaccurate or outdated data as required by law.

3.Provide a written response within the statutory 30-day period confirming the results of your investigation.

Please note that failure to comply with the FCRAs requirements, including neglecting to maintain accurate information on my credit report, could result in legal action. I expect that the necessary corrections be made promptly to reflect accurate data. 

I have attached any relevant documentation supporting my claim, including [ insert any supporting documents, such as statements, account records, or communication with the creditor ]. 

Please acknowledge receipt of this dispute and keep me informed of the progress. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Credit reporting

I have disputed the following accounts with equifax numerous times and despite my efforts they still continue to report. There investigations results are that the accounts have been verified as mine but they have yet to furnish proof of this. They informed me to reach out to the 3rd party collection that was reporting the accounts. I contacted them and the gentleman was extremely aggressive and began to yell at me for questioning the validity of the debts. I am at the end of the line and the negative reports of these accounts which do not belong to me are affecting my ability to obtain employment. I have attached a copy of my Equifax credit report reflecting the accounts. Below I have also listed them : XXXX XXXX XXXX : Account # : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just made a complaint on XX/XX/2025 and the companies response is they still working on it. This is ridiculous. It's been up to a year and they have not really worked on or solved anything. I really need real results from them instead of having to make multiple complaints because they are not truthful and honest and not helping
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reported my debt as a charge-off but has not issued a 1099-C form, as required by the IRS under Section 6050P for canceled debts. Without this form, its unclear if the debt is truly forgiven, which affects my tax reporting and may indicate inaccurate reporting. Under the Fair Credit Reporting Act ( FCRA ), creditors must report accurate and complete information to credit bureaus, and XXXX actions violate these requirements.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the following accounts completely from my credit reports. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In recently looking at my credit profile, I noticed there were inquiries on my report that was not done by me. Either the inquiries are fraudulent or attached to the wrong credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I had a mortgage through Wells fargo that I had in the early XXXX 's, when the economic downturn happend in XXXX I called Wells fargo to try to modify my loan to keep my home, they advised me that I had to miss mortgage payments before they would look into a modification for me, I followed their advise and over the next year or more I would continue to contact them and try to work on a modification, they continually denied me becasue I was and still am a commissioned employee same job as when I secured the loan, thei went on for some years, finally in XXXX I was able to short sale the house but for all those years of working with Wells fargo I lost enormous amounts of money including my original XXXX down payment, affects to my credit, affects to my marriage, losing my home, and draining my savings. I thought I would be included in the class action lawsuits that came about recently with Wells fargo specifically named, I called them to confirm and they said I was not included in it. I feel like my situation was exactly what those lawsuits were about, Wells fargo advised me to act and I did what they said, constantly sending them documentation, and being constantly denied in the process. Please let me know if there is any guidance or information I can do to have this wrong righted.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAMES IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUEST.
Product: Credit reporting, credit repair services, or other personal consumer reports

Class action law suite will be filed against Experian and XXXX and XXXX if they do not correct false credit reporting Experian was sued for this they know it's a voilation The corts say you can not report a balnce on a cancled debt there is no more balance to report when you cancle a debt Reporting a debt with a balnce owed that has been canceled is a violation of 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( " FCRA '' ). case law has proven this XXXX is still reporting a canceled debt as a collection and pass due amount A federal court has ruled that such conduct is potentially prohibited. In Baker v. American Financial Services, the Court held that consumers may bring claims under the Fair Credit Reporting Act if creditors continue to report debts on credit reports after filing a Form 1099-C In Kunwar v. Capital One, N.A., 2017 WL 5991864, at *36 ( N.D.Cal., 2017 ), Judge Koh allowed an FCRA claim past the pleading stage based on the argument that reporting a debt that was cancelled by issuance of a 1099-C rendered the reporting inaccurate. 15 U.S.C. 1681s-2 ( b ) Shull v. Synchrony Bank 1:19-cv-00715 BOBBY A. SHULL, Plaintiff, v. SYNCHRONY BANK, and EXPERIAN INFORMATION SOLUTIONS, INC., Defendants . Baker v. American Financial Services, In Kunwar v. Capital One, N.A., 2017 WL 5991864, Shull v. Synchrony Bank 1:19-cv-00715 violating 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( " FCRA '' ). Plaintiff alleges that XXXX canceled Plaintiff 's debt, and thus, XXXXXXXX XXXX continued reporting of Plaintiff 's outstanding debt to the CRAs is inaccurate.
Product: Debt collection

I have been contacted by resurgent capital on multiple occasions to collect an Alledged debt owed. On XX/XX/XXXX, I sent an email ( to a monitored email account ) requesting they cease all communications regarding this alleged debt. I the received further communications via email attempting to collect on XX/XX/XXXX, XX/XX/XXXX, and XXXX ( all XXXX ). I then received two letters in the mail from them attempting to collect, dated XX/XX/XXXX.
Product: Debt collection

On XX/XX/2022 I sent Barclays a negotiable instrument ( postal money order ) as a tender of payment in accord and satisfaction to settle the account balance for my accounts ( U.C.C. 3-603 / U.C.C. 3-311 ). The postal money order had a conspicuous statement written on it notifying Barclays of the negotiated contract that I, as a consumer, have a right to exercise. Barclays accepted and cashed the money order. However, they failed to satisfy the account. In return, I mailed over a notice of demand on XX/XX/2022 to inform Barclays that my account needed to be fully satisfied as well as reported to the credit bureaus without penalty that the account is in full satisfaction. I received an email on XXXX 2022 that an investigation was opened. I did not request an investigation. However, I have not heard back from Barclays regarding my payment. The default rule under contract law for determining the time at which an offer is accepted states that an offer is considered accepted at the time that the acceptance is communicated. I have tried resolving the issue with Barclays via letter, mail and phone. I was told that someone would reach out to me since the agent did not have knowledge of my payment. I believe the ignorance of the agents regarding the law is the reason why my issue has not been resolved. I have been penalized due to Barclays reporting to the CRA that I have late payments on an account that has already been fully satisfied as well as have a balance remain on the account.
Product: Debt collection

this was removed from my credit bureau long time ago.now after so many years apper again
Product: Money transfer, virtual currency, or money service

Last night I received XXXX consecutive missed calls from an XXXX number, I finally answered thinking it was my grandmothers life alert company. The gentleman told me he was from the CHASE fraud department and I needed to verify my location because there was suspicious activity on my account in Florida ( I am in California ) he said the call was being recorded and he would walk me through how to stop action on this and ensure the funds did not leave my account I even questioned how I would know he is indeed from the Chase fraud department and he assured me that the phone number he was calling from is the exact number on the back of my debit card I checked, and he was correct. He then proceeded to tell me to log into my mobile app so that he could prompt me to follow the steps to stop this action as that is the new process they do. He never asked me for any personal information so I didnt think anything was concerning, he asked me to input my personal phone number in XXXX as a recipient and when a XXXX prompt popped on my screen and I questioned it, he told me that was the woman in Florida trying to take {$2000.00}. I started to question this and he hung up the phone and before I could even realize what in the XXXX was happening {$2000.00} was missing from my account. I tried to contact Chase last night and the fraud department was closed so I contacted them first thing this morning to file an online fraud claim and they basically told me there was nothing they could do since money wasnt taken directly from my account and it was through XXXX a third-party, therefore the money was non-recoverable. I thought large bank institutions covered me through fraud protection, I was completely taken advantage of and I have never felt so invaded in my entire life. I am a single mom with XXXX XXXX XXXX old XXXX and now I am missing {$2000.00} with no support recovery. I have filed a complaint with XXXX, Chase, and I have also filed a police report. Please, please help me or let me know if theres anything else you need on my end. Below I will include the case number for the police report Case # XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account unprotected. Their dispute resolution process was deceptive, as they did not comply with the error resolution requirements under the Electronic Fraud Transfer Act and Regulation E. This has caused me financial loss and a huge inconvenience which also led to my account being taken down. i seek the appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX  Account XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report
Product: Debt collection

An account displaying Adverse Information has surfaced on my recent credit report from P & B CAPITAL GROUP LLC with a debt of {$1200.00} dated XX/XX/2023. However, I have not yet received a debt validation letter from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to have my credit checked for a home loan with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I was informed that suddenly, my US Dept. Loans or XXXX Student and direct-plus loans are in default on week of XX/XX/2022 ; despite, just submitting a copy of these loans from my credit report with XXXX that loans are paid in full. Now, Equifax Credit Bureau is instructing me to fax them my ID to file a dsipute, but, it seems the calls to agents are being intercepted and frauded. This is delaying my 1st time home buyer 's application for a chance to get a duplex, ( which includes, rental income... ). Please, do not allow fraud to delay and hinder my loan application. I need to make sure the agents are legitamate. 
I even sent a copy to a judge : ( XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), ), with the federal CT to validate the loans show paid-in-full!
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year> -- {$9700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for o store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX. XXXX XXXX. XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX   XXXX, XXXX XXXX. XXXX XXXX XXXX. Chapter XXXX  Bankruptcy. Also the following inquires : XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX. XXXX. XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX. XXXXS, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX/XXXX XXXX XXXX. XXXX XXXX XXXX.   XXXX. I have reached out to my local police and FTC. I'm doing this on my own.
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

National Credit Adjusters, XXXX XXXX XXXX Ave., XXXX KS XXXX appeared on my credit report claiming they were collecting for a credit card company that I have no contract with and have not applied for in the past. I sent them a certified letter asking them to validate this debt with a wet ink signature on a contract. In addition, please send me a license to collect in my state. 

No response. 

The creditor was contacted and did not respond and was deleted from XXXX. The other CRAs have not updated their records yet AND ARE ALSO in violation. But that's another complaint and issue. 

This account needs to be DELETED from all remaining credit bureaus IMMEDIATELY! 

They are violating my federal and state rights ; hurting my reputation ; and damaging my credit enhancement opportunities! A car and house are out of the question as long as this company violates my rights!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX OF XXXX Date of Inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

In regards to account reporting as XXXX XXXX XXXX account # XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of Mortgage account number XXXX XXXX XXXXXXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXX XXXX XXXX XXXXXXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has falsely reported a credit card account from XXXX XXXX as open in the amount of {$310.00}. XXXX XXXX is no longer extending credit and the account is closed. 


XXXX. XXXX  violated FDCPA 15 U.S.C. 1692e ( XXXX ) ( A ) by falsely reporting the legal status of the account as XXXX to Equifax, XXXX and XXXX consumer reporting agencys as defined by 15 U.S.C. 1681a ( F ). 

54. Defendant violated FDCPA 15 U.S.C. 1692e ( XXXX ) ( A ) by falsely characterizing the account status as " XXXX to Equifax, XXXX and XXXX consumer reporting agencys as defined by 15 U.S.C. 1681a ( F ).
Product: Credit card or prepaid card

On XX/XX/2021 I attempted to schedule a fixed amount recurring payment in order to meet a specific payoff target date. However, when going through the process to schedule the payment the bank informs me that they will adjust the payment amount ( lower it ) if the scheduled amount I make is greater than what is due, and that in doing so, it will likely result in incurred finance charges. I find this practice outrageous!! They are taking deliberate action to change payment amounts in order to generate Finance Charges.
Product: Payday loan, title loan, personal loan, or advance loan

Hi requested to stop auto withdrawal from my account in the amount of XXXX. Solo has denied this request three times. I requested it to be stopped XXXX days prior to the withdrawal date. I contacted my bank and they put a stop request but couldn't stop the debit transaction. They stated they dispute it if it's successfully withdrawn. 

They are violating Federal law and are required to stop payment. I sent a revocation letter.