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

The original account was with Chase however, it was sold twice so how can Chase continue to update my account with inaccurate information. The account was settled and paid to XXXX XXXX in 3 installments of {$180.00} each. Chase continues to mark me late when I was making payments. The installments were made on XX/XX/XXXX ( I was marked late ), XX/XX/XXXX and XX/XX/XXXX ( Continued to mark me late ). Why is Chase continuing to mark my account to the credit reporting bureaus as late when they no longer own the account. Chase reported my account as a charged off therefore, it should be reported as {$0.00} balance and no data. They continued to report it as late and while the account was paid and settled with XXXX they updated my account as late. This account needs to be deleted for inaccurately reporting my data wrong. Does Chase own my account still or does XXXX XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is Equifax and I have disputed 7 times 1. XX/XX/XXXX # XXXX ; 2. XX/XX/XXXX # XXXX ; 3. XX/XX/XXXX # XXXX ; 4. XX/XX/XXXX # XXXX ; 5. XX/XX/XXXX # XXXX and 6. XXXX ; 7. XX/XX/XXXX # XXXX XXXX XXXX account and they still have not corrected the incorrect information. At one point they added a " repossession that never existed which dropped my credit score 60 points and lost my ability to get a mortgage. I have sent dispute letters and documentation to have them remove this account from my credit reports because it is negatively effecting my credit report. They have to either remove it from my credit report or DO NOT SHOW any late payments and paid as agreed. This account has been closed and was never repossessed. The first late payment was on XX/XX/XXXX and is over 7 years old. Per law The original delinquency is the one that starts the clock. That means the entire sequence should disappear seven years from the first date the payment was late. Which is XX/XX/XXXX. This is over 7 years and I have ask over 7 disputes to please remove and stop reporting all late payments. It should reports paid as agreed no late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the FCRA, it is EQUIFAX 's grave responsibility and duty to be reporting correct and accurate information on my credit report and file- however, they are NOT. EQUIFAX is reporting inaccurate late payments for the XXXX XXXX XXXX XXXX  account ending in XXXX. This includes the reporting of 120+ days past due late payments. This includes the reporting of 120+ day late payments on XX/XX/2018, XX/XX/2018 and XX/XX/2018. These INCORRECT and are supposed to be reporting as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these inaccurate late payments resulting in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is very clear that EQUIFAX has violated my federally protected consumer rights and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

Private student loan with XXXX was discharged in XXXX XXXX  bankruptcy on XX/XX/2023. This loan was above and beyond costs to attend the university, and therefore dischargeable in XXXX XXXX XXXX continues to report a charge off, balance due, and late payments.
Product: Debt collection

I was a victim of identity theft and I ask the company LVNV Funding to provide me documents on five accounts that they say I owed that was put on my credit report on XX/XX/year> for the amounts of XXXX dollars, XXXX dollars, XXXX dollars, XXXX dollars and XXXX dollars.I ask LVNV funding to send a license to say they operate in my state, i ask LVNV funding for a chain of custody which they never provided and I ask LVNV funding for a purchase agreement. In which they never provide.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that tXXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$8300.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Debt or credit management

I was a client of Lexington law whom i was approached will researching mortgage loans for bad credit. I was solicited for credit repair where i gave all of my personal information to who I thought was a Lexington law rep i paid them a XXXX dollar upfront fee on the first call and then later agreed to monthly payments for them to help me fix my credit of which was not done I fell behind on the payments and then later re enlisted the services for further help of which was to help to my credit history or score until I finally got fed up and terminated their services this was around the XXXX or XXXX I'm not really sure of the exact dates because it was in a period where my family had just lost everything in a house fire that destroyed our home and from which we never recovered it is the reason why I needed their services and why I am filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I was speaking to a representative for 10 minutes listing unauthorized inquiries. After taking several notes and speaking to her for 10 minutes, hhe then said she'd need to forward me to the fraud department. The individual answered and did not state their name or if they worked with the fraud department. I asked for her name and she reluctantly mumbled " XXXX. '' She cut me off and told me I have to call each creditor. I asked her why would the first person ask me for all this information including the list of inquiries for me to be turned down. She said she didn't know. I then asked her if she was in the fraud department and it was completely silent. I kept saying hello and she did not respond. This is no way to treat a consumer dealing with fraud.
Product: Debt collection

XXXXXXXX XXXX : XXXX Company does not have a license to collect in my state and they are trying to collect on me
Product: Debt collection

XXXX Bank sold my charged off acct to Portfolio Recovery Assocs. Portfolio Assocs ruined my repaired credit using using illegal attempts to collect the wrong amount. I filed a complaint with your ( CFPB ) company and Portfolio will only reply with the same XXXX inaccurate statements that they received from XXXX. There is a court order against XXXX and XXXX was to apply credits to qualified XXXX acct holders accounts. XXXX spun off from XXXX and acquired many accounts of which XXXX was to apply the deductions. XXXX DID NOT apply deductions to my charged off account and when I called again on XXXX/XXXX/XXXX @ XXXX, I was advised by the below identified XXXX Bank Associate that I would not be able to get any eligibility information concerning the CFPB Order against XXXX XXXX XXXX unless I called Portfolio Recovery Associates. How? XXXX has the account information. Portfolio only has XXXX statements with the incorrect amount on them. Not providing information regarding deductions in relation to the court order on a qualified account is a violation of the court order ; less more selling the account under an incorrect amount. I am attaching my credit report of XXXX XXXX, XXXX which reads correct charge off amount of {$1700.00} not {$1900.00} as requested by Portfolio Recovery Assocs. This report also shows proof of payments totaling {$650.00} that had not been deducted from the {$1700.00} which would leave a balance of {$1100.00}. I had this account since XXXX of XXXX. What about the interest from those years? I have suffered great damage under Portfolio 's attack on m credit. My score has fallen XXXX points on XXXX and XXXX on XXXX. Please help.
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. XXXX, XXXX, and TransUnion 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 accounts below : XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXXXXXX Balance : {$28000.00} XXXX XXXXXXXX Balance : {$30000.00}
Product: Credit reporting or other personal consumer reports

n accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by moreover than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$510.00} XXXX XXXX Balance {$0.00}
Product: Debt collection

I 'm being charged over XXXX for non-existent charges. I would like to ask for this charge to be removed before I proceed with contacting my lawyers to counter sue and press charges for the personal damages this XXXX company cause me and my family. I completed my contract and left the apt with no damages. I have evidence with my local news here in XXXX, Texas.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

Synchrony Bank hired XXXX XXXX XXXX, XXXX. to collect on an account that had already been paid in full. My spouse and/or I received court documents to appear in court for the account on XX/XX/XXXX. At that time, we were not aware that the account we were summoned to court about is the same account that had been paid in full on XX/XX/XXXX. Therefore, we entered into a fraudulent payment agreement, wherein the term " fraudulent '' is used because the account information was inaccurate, and false. After discovering this mistake in XX/XX/XXXX, I immediately notified XXXX XXXX XXXX, XXXX. via phone call, and email of the mistake, cancelled all payment arrangements effectively immediately, and requested a full refund of monies to them for Synchrony Bank. The total amount to be refunded is {$1700.00}. XXXX XXXX XXXX, XXXX, after receiving documentation from me supporting my position that the account had already been paid in full in XXXX, they immediately refuse to discuss the account, and the matter of the refund with me any further. On XX/XX/XXXX, I contacted Synchrony Bank via phone, and fax requesting a full refund, and second investigation into the matter. I also provided Synchrony Bank with documentation supporting my position that the account had been previously paid in full as of XX/XX/XXXX. Synchrony Bank stated they were unable to find the documentation in their records, therefore, my documentation was ignored. On XX/XX/XXXX, Synchrony Bank sent me and my spouse a debt collections letter requesting we pay {$3300.00}, the balance they are claiming as unpaid after deducting the {$1700.00} we paid to them via XXXX XXXX XXXX, XXXX. Currently, Synchrony Bank has not refunded us our monies, they continue to report inaccurate information to the credit bureaus. Synchrony Bank is in violation of section 807 ( 2A ) of the Fair Debt Collections Practice Act. I have attached to this complaint documentation supporting this complaint.
Product: Checking or savings account

I am writing about account XXXX As I have stated in an earlier complaint this company is ridiculous now because I filed a complaint they are holding my money till the end of the day illegally. This is not legal to do in the United States of America unless the customer agrees ahead of time. 

I am starting to see that PayPal is acting in a discriminatory way that may constitute racism.
Product: Credit reporting or other personal consumer reports

Reinvestigation Complaint Letter to CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Unresolved Credit Report Disputes Dear CFPB, I am writing to file a formal complaint against XXXX regarding unresolved inaccuracies on my credit report. Despite multiple disputes, the items listed below have been repeatedly verified without proper evidence, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. 
Disputed Items : XXXX. XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  not my account no acknowledgment of this account i filed a ftc report as well for identity theft XXXX. EASTERN ACCOUNT SYST OPENED XX/XX/XXXX identity theft I have requested detailed explanations and evidence of the verification process from the credit bureau, but have not received satisfactory responses. This continued verification without proper evidence is damaging my credit profile and hindering my financial well-being. 
I request the CFPB 's assistance in ensuring that a thorough investigation is conducted and that the credit bureau provides the necessary documentation to verify the accuracy of the disputed items. If the information can not be verified, I request that these items be removed from my credit report according to FCRA, 15 U.S. Code 1681i. 
Thank you for your assistance in resolving this matter. 
Sincerely XXXX XXXX XXXX
Product: Debt collection

As a federally protected Consumer, I am here to contest any purported accusations you are now reporting on my credit report. 
In accordance with Section 809 ( 8 ) of the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, the Consumer requests verification from you ( FDCPA ). 
Additionally, the aforementioned customer REQUIRES the following : CB/VICSCRT XXXX
Product: Bank account or service

I went to 4 different Chase bank locations and none of them have the XXXX logos posted on their ATM machines and no network logos were presented on screen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX, I am a victim of identity theft I've tried to resolve a debt with Exeter finance company about a debt is not owe to me and which turned into a collection with XXXX XXXX, I've submitted all of the documents that was asked for ( ex ). ID, ssn, police report, and affidavit, but in return the items came back verified but how is that when I never sign any documents or gave verbal permission to use my identity, I've asked Exeter and XXXX XXXX for a reinvestigation on my behalf, but they refused my request. this is the letter I've sent to Exeter and XXXX XXXX To : XXXX XXXX XXXX Contract Number XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX Dear XXXX XXXX XXXX XXXX Exeter Finance Co XXXX 

Pursuant to the FCRA & the FDCPA, I now exercise my lawful right to question the validity of this debt your agency claims has come due. 

Fair credit reporting act 609 disclosures to consumers : ( c ) ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified.

Fair Credit Reporting Act 611 ( a ) 1 ( A ) Procedures in case of disputed accuracy : ( a ) Re-investigation of Disputed information ( 1 ) Re-investigation required ( A ) in general. Subject to section ( f ), if the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or in directly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Therefore, I demand to see a copy of the Verifiable, Validated so called proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by law are not considered proof, that you have on file for the account listed above Under the FCRA, unverified, invalid account must be removed.

If you are unable to provide me with the original copy of the verifiable/validated proof that you have on file within 30 days from the receipt of this notice, for the account listed above then you at once remove the account from XXXX XXXX credit Report. I demand the account be verified or removed immediately! 

The law is very clear as to the Civil liability and the remedy available to me for the negligent noncompliance ( section 617 ) if you fail to comply with this Federal Law. 

Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ocwen Loan was the original serviser for this loan. THe loan was sold TO PHH ANd now XXXX XXXX over two years ago. I have experienced XXXX related challenges that have prevented me from paying my payments to NEW REZ. I received housing counseling, where my HUD counselor pulled my credit. I noticed an item on my report from OCwen reporting my late payments from 2017. I have not been with Ocwen since 2017, therefore should not be making any reporting on my credit. I am now recieiving assistance from XXXX XXXX in the form of a trial modification, which should bring my arrears current. I need Ocwen to stop reporting my delinquency.
Product: Checking or savings account

My bank is taking full advantage of unemployed people. I have a transaction that I tried to stop. I was waiting for my unemployment direct deposit and noticed that my credit payment was automatically coming out. I tried to stop the automatic debit but was told that the transaction cant be stopped, I called my bank and I was told that they cant blockage transactions I had to wait for the charge to hit my account, once the chats get hit my account I called my bank again and was told that nothing can be done because it was pending. By then I was finally able to remove my banking information from my credit card profile. My bank charged me XXXX over draft fees and when my unemployment came in I had to pay XXXX {$36.00} fees. This should be illegal because I desperately tried to alert my bank to no avail and most of my unemployment check went to their fees. Im a single mother of XXXX and couldnt pay a bill because of this. This has happened more then once at this bank. Even if I call them and they refund transactions I swear within a couple of days they are back on my account.
Product: Debt collection

I got a derogatory mark on my credit report stating this account got sent to collections. However, I don't have no knowledge of this debt and, that it doesn't belong to me. I'm victim of identity theft. I would like to address this immediately and get this fraudulent account remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing