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

XXXX / XXXX /  XXXX    CREDCO   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  This inquiry was performed under false pretenses as described in the clear language of the law.  15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I attempted to correct the last status of a student loan that was consolidated and paid off as of XX/XX/XXXX. Experian conducted their " investigation '' and updated my credit report incorrectly ... stating that I missed a payment as of XX/XX/XXXX.  This account has been closed and paid in full as of XX/XX/XXXX, therefor I can not possibly have missed a payment in XX/XX/XXXX. Upon submitting a letter provided by the creditor ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), Experian notified me that they could not use the letter in question to correct my credit report and that they would contact the creditor to verify again. Now, they are reporting the account to be in collections as of XX/XX/XXXX ... again, this account has been closed and paid in full as of XX/XX/XXXX ( over two years ago ) and a letter from the creditor was provided to Experian that confirms this. Experian is willfully not accepting the letter that the creditor provided, and their " investigations '' are not resolving the issue and have cost me 51 points on my FICO credit score. As a result of their willful misreporting of information on this account, I am forced to file this complaint.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, GA XXXX United States XX/XX/year> Credit Collection Services XXXX XXXX XXXX, XXXX, MA XXXX Re : Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the validity of the debt referenced above under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). As the consumer, I hereby refuse to pay this alleged debt and demand that you cease all further communication with me regarding this matter, including any attempts to report this debt to any credit reporting agency.

Pursuant to 15 U.S.C. 1692c ( c ), you are legally required to cease all collection activities and any further contact with me regarding this alleged debt, except for the purposes of confirming the termination of collection efforts or notifying me of any specific legal actions you intend to take.

Please also be advised that I am keeping detailed records of all correspondence regarding this matter. Any failure to comply with the requirements outlined under the FDCPA may result in legal action against your company for violating my rights. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

CollegeAve loan company is the company I have a private student loan with right now and I have filed a complaint against them very recently over their collection practices of harassing me AND my parents to collect on the loan I can't afford to pay any longer. I was told to call XXXX to arrange payment/settle. So I did. The gentleman I spoke with refused to even settle for half and instead sent me to a benefits specialist to see what kinds of " options '' I had until I could make payments. He refused to understand that I could no longer afford payments. So whoever responded that I could call the above number to offer settlement absolutely LIED to me. They don't care that I can't afford payment and won't be able to afford payment in the future. They want ALL their money. In case they haven't noticed, inflation is sky high. Food prices, gas prices are through the roof and my house payment has gone up due to prices of everything else going up. My homeowner 's insurance has gone up, which made the house payment go up. The property taxes went up as a result of the increased home values. That ALSO made my house payment go up. My car insurance has gone up as well due to no fault of my own as I have had no accidents. So CollegeAve needs to accept anything I can offer to settle to get rid of them for good. I have attached a screen shot of CollegeAve 's response to the first time I filed a complaint against them.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX 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 - DATE OPENED XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax- Is not reporting on this account XXXX - Account Name - XXXX XXXX - XXXX XXXX - Account Name - XXXX XXXX - XXXX XXXX is reporting the account name as XXXX XXXX. XXXX is reporting the account name as XXXX. XXXX is reporting the Agency name as XXXX XXXX XXXX XXXX is reporting the Agency name as XXXX XXXX. They failed to verify the debt within the 30 days of me requesting for the verification. 

Equifax - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX account 120 Days late twice, XXXX is reporting the status of the account as 180 Days late, and XXXX does not report the status of the account. 
This account is being reported with a different date of activity date and continuously being updated amongst each credit bureau and is not properly verified or consistent. Equifax is reporting the last date of activity as XX/XX/XXXX, XXXX is not reporting the last date of activity, and XXXX is reporting the last date of activity as XX/XX/XXXX. 
This is negatively affecting my credit score due to inaccurate reporting. According to the FCRA, Section 611 ( 5 ) ( A ), you are required to DELETE all information that is inaccurate, incomplete, or which can not be verified IMMEDIATELY from my credit report. 

Equifax, XXXX and XXXX reported late payments that they failed to verify. The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately Equifax XXXX XXXX XXXX and XXXX XXXX XXXX XXXX - XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has reported as having late payments in my credit report. I am demanding that this account be updated to Paid as Agreed and Never Late. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CBCA enacted CDIA Metro 2 COMPLIANCE regulations. I demand that these above mentioned derogatory items be permanently removed from my credit report. In accordance with the fair credit Reporting act XXXX XXXX and XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX SSN : XXXX XX/XX/year> To Whom It May Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( s ) XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXXXXXX Account # XXXX THIS IS MY 3rd NOTICE REGARDING THESE FRAUDULENT ACCOUNTS I am hurt and confused to see I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via USPS mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX account number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and correct them from my personal 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.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I filed a complaint with all 3 credit bureaus, Experian, XXXX and XXXX to advise the County of XXXX XXXX DCSS ( Child Support ) office the they were not reporting 100 % accurate. In addition, this account appears on my credit report as a " LOAN ''! That is totally wrong! 

CHILD SUPPORT : 15 USC CODE 1681E ( B ) & 15 USC CODE 1681I ( 5 ) FAMILY SUPPORT SERVICES DEPT Partial Acct # XXXX. Status : Open This account is in violation not reporting 100 % accurate. It lists the child support court as the furnisher. That is forgery and misleading when the courts dont report this type of account!
Product: Credit reporting or other personal consumer reports

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX  Account : XXXX XXXX XXXXXXXX XXXX Account : XXXX XXXXXXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Type : XXXX Status : Dismissed Reference # XXXX XXXX Asset Amount : Date XXXX : XXXX Closing Date : Liability : Exempt Amount : {$0.00} U.S. Bankruptcy Court Add a custom Message Type : BankruptcyXXXX Status : Dismissed Reference # : XXXX Asset Amount : Date Filed/Reported XXXX XXXX Closing Date : Liability : Exempt Amount : XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I dont know where this debt is from. I dont owe this.
Product: Credit card or prepaid card

Citibank failed to appropriately investigate my dispute. I submitted a certified letter on XXXX and Citibank did not report the negative item as disputed to XXXX, XXXX nor XXXX. Which again proves Citibank did not investigate my dispute or cares about my concern. I am including your response letter which states that a dispute note was added to the " XXXX XXXX account each time '' which is a not truthful. You have not provided any documentation that shows you investigated my dispute. I am providing proof of your failure to follow the law by properly reporting my dispute with the submissions of my XXXX, XXXX and XXXX credit reports to the CFPB.
Product: Credit reporting

I disputed XXXX collection accounts on my credit report with Transunion, that did not belong to me. On Tuesday, XXXX, I logged onto Transunion website and discovered that all XXXX collections were removed. On Wednesday, XXXX, I logged onto my XXXX account and discovered that my credit score had dropped significantly. XXXX reported that Between XXXX XXXX and XXXX that XXXX collection accounts had been removed from my credit report. These accounts are : 1 ) XXXX 2 ) XXXX 3 ) XXXX. On Thursday, XXXX, I logged onto my XXXX account and it states that between XXXX XXXX and XXXX, that a new account had been added to my credit report. The same XXXX creditors were added back onto my credit report. I called Transunion on yesterday and spoke with a representative that would not confirm to me that these items had been removed and then placed back on my credit report. I have attached pictures, showing that the accounts were in fact removed from Transunion.
Product: Debt collection

XXXX loan to small biz for Covid Relief for staff salaries and rent. They claim summary budget was not uploaded ..we have proof it was..they proceeded to take funds from our XXXX  Medicare and Children IN NEED patients via their medicare payments -- we still service these patients for FREE as to not to interupt their Mental Health servicing... We have called several times to no avail ; ad no one is available to correct - FRAUDULENT collection ageny assigned and has a number but they do not help -- this is wrong, fraudulent attempt to collect a debt and they owe our firm ALL the funds they have taken from us YTD.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

The banking system is dependent upon fair and accurate consumer reporting, pursuant to 15USC1681 ( a ) ( 1 ). I noticed accounts that are on my consumer report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15USC1681b, I am requesting to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report. A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates. You have defamed my character, my reputation, my worthiness, my standing, my capacity, and my mode of living. All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ).

You have knowingly transferred, possessed and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian 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, Experians 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 Experian complies with federal law and provides consumers with the necessary proof of investigation. 
This is the account mark as inaccurate ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CB INDIGO/GF Date open : XX/XX/XXXX Balance updated : XX/XX/XXXX Original balance : {$300.00} Status : closed {$820.00} written off Completed investigation of FCRA dispute consumer disagrees. 

I would like to get this removed off my credit report Ive already paid the balance and the account has been closed. How do I get it removed?
Product: Credit reporting, credit repair services, or other personal consumer reports

They lied and said they don't see them debiting money out of my checking account on the XXXX of every month. 

There was an unauthorized charge came through my checking account and the bank had to close my account. This unauthorized charge took 50 % of my whole check so my bank had to close my debit card. I did not know they closed my debit card. Because I agreed to have them to draft the money on the XXXX. I went to the bank an got a new debit card. I put my new debit card as soon as I got it in the SELF dashboard. So they had my new debit card on the XXXX and my agreed upon payment was paid on. The XXXX on time. Meanwhile they went into my debit card on the XXXX a couple of times and they dropped my credit score by 70 % and they got there money on time. I was never left and they got my new debit before the XXXX on time and there were suppose to have a grace period before they mess with your credit. The agreement was them taking the money from my account on the XXXX not before. I paid them on time and my credit dropped by 70 %. I cancelled my SELF credit builder account and I asked why did they went into my checking account before the XXXX and all they kept doing was lie and they got mad because their attempt failed on XX/XX/XXXX did not go through and they lied about them drafted money from my checking account. 

I done nothing wrong so I closed my credit builder.
Product: Vehicle loan or lease

This is in regards to the credit report I pulled on XX/XX/XXXX, I see at least 6 credit inquiries on my credit report from you. section 609 states that you need to provide the application that was filled out when this account was  opened, the only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove immediately the inquiries from. 
XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX