23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

CAPITAL ONE XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX  XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES. 
{$1000.00} I never received a written communication on this debt. I was not made aware of this collection until I pulled my report.
Product: Student loan

Nelnet always are my lender, but now they duplicate my loans amount with Loans that are refinanced with them in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX failed to verify the Collection/ Closed / Open account and balance amount being reported for RESURGENT RECEIVABLES pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. 

It is unlawful and damaging to disregard or deny my request for disputed false, incorrect, and inaccurate information appearing on my credit report. Such actions are in direct violation pursuant to The Fair Credit Reporting Act. All information that is false, incorrect, and inaccurate is illegal to report in my credit file. The new updated information is not only false but also inaccurate and incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was working with XXXX XXXX  on my mortgage. I have missed two payments due to Covid at the beginning of Covid Because my income had just stopped when the pandemic hit.It took my lender over six months to come up with a solution. The solution was refinance. when my lender approach me to refinance With an incredible interest rate and a 15 year term. I notified them that I was able to make the missed payments in a few weeks and did not want to refinance. When I made the missed payments my lender reported it to my credit bureaus which destroyed my credit. Although they promised not to report it, they did. I have tried to resolve the negative report to my credit with no success. I have caught up on my payments and offered to pay off the loan. They refused to fix my credit. I can not reach someone by phone or email. And all they stated was I refused the refinance in their documentation. I have since made missed payments But they refused to take the negative reporting of my credit report. The lender told me that they would not report it to my credit, yet they did and those two payments show 30, 60, and 90 day default on my loan for 6 months. XXXX XXXX Would not just put the payments at the end of my loan but wanted to take advantage of the situation And re write the loan for a 15 year 29 % interest rate On the remaining balance of my mortgage. I have tried to resolve this with numerous phone calls. The lender told me that I can not speak to anyone about repairing my credit. They never notified me that they were going to put a negative mark on my credit report. I do not have any documentation of what they did. But they have documentation in their files
Product: Student loan

I am a class member of XXXX XXXX XXXX my federal loans are forgiven and my private loans that were forced on me by the college are equally null and void. Due to scare tactics and threats I was made to take these out and my father a veteran and XXXX XXXX XXXX retiree had to co-sign. I have paid XXXX on these to not see the amounts go down and on XXXX loan it shows I'm XXXX percent negative on interest. I am on a fixed income and as a XXXX with children can not afford to throw my money away. Navient hasn't done anything help me with this and I want forgiveness since as said these were forced on me by illegal tactics of a school that no longer exists.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that XXXX supplied to XXXX, Transunion and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to account ( XXXX open XX/XX/XXXX ). 

Prior to the Pandemic I had an Impeccable Payment history XXXX credit score, I value being a financially responsible client. However, during Covid-19 I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. If you check the history on my account, I have never missed a payment from the time I opened my account in XXXX until the pandemic ; even after pandemic my payment history has been superior. In XXXX I reached out to your Truist to request hardship payment options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account and Care Act.

According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I Request that the late payment history be removed as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during COVID -19crisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue. I have also reached out to XXXX in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history.

Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Product: Checking or savings account

Capital One Bank has not released my direct deposit that I was supposed to receive on Thursday XX/XX/XXXX. I waited until Friday XX/XX/XXXX since its actual payday and still nothing. They claim there is a technical issue and in the email they sent out on XX/XX/XXXX they advised the issues with direct deposits and other transactions started as early as Wednesday XXXXit is now SATURDAY!!! Where is my money!?! Over XXXX hours without access to funds that are owed to me. This is not fair and I am not waiting until Tuesday XX/XX/XXXX to get my funds, thats completely and utterly ridiculous.
Product: Debt collection

15 usc 1681a2 i did not give written permission to have this account furnished on my report
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevent and address fraudulent activity on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The amounts were for XXXX XXXX for XXXX XXXXXXXX and XXXX for discover during the pandemic I got sick with XXXX and lost my job i tryed to explained this to my creditors but they offered no additional assitance to me.. so i made an arrangment to pay the minium amount i owed on both accounts in return they promised me they wouldnt report anything negative to my credit report but instead they did and lied to me
Product: Debt collection

Hello, my name is XXXX XXXX, I had a loan with XXXX XXXX, they promised to modify my property and they did not do it, they transferred it to XXXX XXXX and they did not comply with it, they transferred it to Selene and they want to put the property in court, they do not assert payments, please, I need help lr I want to pay and they don't confirm payments thanks
Product: Debt collection

XXXX XXXX, XXXX XXXX XXXX XXXX  stated I owed an old debt to Wachovia bank. Stated it was sold to them in XXXX. They had me previous and current address and my social security number. They stated if I didn't resolve the debt during the phone call they would send the case to an attorney and my bank account would be frozen and the XXXX XXXX would be implemented.
Product: Mortgage

Atlantic Bay Mortgage Group is charging a {$10.00} 'processing fee '' for online payments based on the number of days it is past its due date. 
On or before due date-No Fee 1-4 days after due date-No Fee 5-9 days after due date-No Fee 10-15 days after due date- {$10.00} 16 days or more after due date- {$10.00} The terms of my mortgage say that after the XXXX there is a late charge. So essentially they are charging me for a late charge before that. It would be different if they charged me the same {$10.00} regardless of when it was due. Since they base this payment on the due date, it effectively is calling it a late charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Raymour & Flanigan-TD Bank is trying to cover up the fact one of their employees were attempting to steal my identity and use my card. I had this card for almost two years until only an employee couldve pulled an unauthorized credit check on me when to my surprise the letter of credit inquiry made me check to see where my credit card was at that time. It was then I realized my card was stolen. I am fortune I stop the criminals and canceled my Raymour Flanigan Furniture Credit Card promptly. Now these vicious creditors are trying to report my card wasnt stolen. My card was reported stolen from XXXX of XXXX toXX/XX/2021 Raymour Flanigan erred in their dates I reported my card stolen : Raymour Flanigan List the year ( XXXX ) ; the reported theft was in XXXX XXXX XX/XX/XXXX ; Finally, Who- authorized a credit inquiry on a card that was-not in my possession, unknown prior to incident that my credit card was stolen. 
Most Important, I called & emailed and completed the following steps to protect my identity and credit :. Raymour Flan, 2. all the creditor bureaus, identity theft.gov, and the Fair Trade Commission and CFPB : I want my card properly reported as stolen and reported with all agencies, and the card closed by me the consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XXXX ) is inaccurately reporting 2 late payments for XXXX and XXXX XXXX XXXX on an old, closed and paid off credit card! I was never late on making payments when I had this card and when I spoke to XXXX in the past, they verified that I was never late as well and that the late reportings were due to fees. I was advised by XXXX that they would remove the late payments and update the credit reporting agencies with the correct information of no late payments. As of today, the 2 inaccurate late payments still shows on my credit reports and have not been corrected! I previously had spoken with the cc department and was advised that this would be resolved and updated, however, whenever I send the dispute to update it, XXXX updates the same information, containing the 2 late payments. This is frustrating and very stressful to my life!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been reported as FRAUD/IDENTITY THEFT and it is still being reported on my credit report. I have asked for documentation verifying this account belongs to ME, but it is unable to be verified as it was opened online. This needs to be removed ASAP. 
A police report has been filed. 



XXXX XXXX XXXX  {$580.00} Date opened : XX/XX/2020 XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the Chapter XXXX bankruptcy entry that appears on my credit report. The bankruptcy entry was filed on XXXX ( Reference Number : XXXX ) and is listed under the status Discharged. However, I would like to bring to your attention that this information is being reported improperly. 

As you are aware, according to XXXX XXXX. XXXX ( b ) of the Fair Credit Reporting Act ( FCRA ), you are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information reported on consumers credit files. The court does not report bankruptcy discharges directly to credit bureaus ; rather, it is the creditors who report such information. Since these creditors are inaccurately reporting this entry, I request that you immediately remove this bankruptcy record from my credit report, as it is being reported illegally and inaccurately. 

Account Information to Dispute : Account Type : Chapter XXXX Bankruptcy Court Name : U.S. Bankruptcy Court Date Filed : XXXX Reference Number : XXXX Discharge Status : Discharged ( Date : [ Insert Discharge Date, if applicable ] ) Under the FCRA, it is your responsibility to ensure that all information included in my credit report is accurate. Since this bankruptcy has been reported incorrectly by creditors, and no direct reporting from the court has occurred, I request that this bankruptcy entry be permanently removed from my credit file across all credit bureaus immediately. 

Please provide written confirmation that this erroneous entry has been removed from my credit report, and ensure that it does not continue to affect my credit score. 

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

Presence of those unauthorized accounts and enquiries made me feel very anxious about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately. 



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

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Good evening I hope you're well! I called the company and spoke to them for about an hour they suggested I to send an FTC report which I did. This happened on XXXX/XXXX/22. I am waiting for a response to see what can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed letters and sent Them VIA FAX AND MAIL a request for them to remove the address  XXXX   XXXX   XXXX   XXXX  CA  XXXX  as this address does not belong to me and belongs to a family member please make them remove it this is causing problems they dnt care and do as the wish and say they are not responseable for what is reporting if they are not reasonable and responseable who is they are out of control and do as they want with do rules please help
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify. if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX  XXXX {$670.00} XXXX/XXXX XXXX {$810.00} XXXX   XXXX {$10000.00} XXXX/XXXX  XXXX {$610.00} XXXX XXXX {$16000.00} XXXX XXXX XXXX {$0.00} XXXX/XXXX  XXXX {$1500.00} XXXX  XXXX {$890.00} XXXX XXXX XXXX {$770.00} XXXX/XXXX XXXX {$1300.00} XXXX XXXX XXXX {$960.00} XXXX/XXXX XXXX XXXX XXXX {$1400.00} XXXX/XXXX XXXX {$4000.00} XXXX/XXXX   XXXX {$2000.00}
Product: Credit card

On XX/XX/2025, I returned a call from Capital One after missing their initial attempt to reach me. Upon calling back, they requested information related to my account. I asked if they could email me with specific details about what was needed. When I checked my email, I found a message containing only a reference number ( Re : XXXX ) and a link to submit documentswithout any clear instructions on what was required. 

I then requested to speak with a supervisor and informed them that I was recording the call due to my short- and long-term memory loss. The representative I was speaking with immediately disregarded my reason for recording and abruptly disconnected the call. 

I called again to explain my situation, but the response was dismissive, raising concerns about transparency or potential fraudulent activity. The number I contacted was XXXX. Fortunately, I have recordings of these conversations, ensuring there is no miscommunication or dispute about what transpired. 

I am seeking clarification on what information is required and why I was treated in this manner. I would appreciate an official response and guidance on how to proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. 

The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification about a new inquiry to my credit report. I called Wells Fargo to inquire why they asked for.my info since I did not seek credit from them. I was informed that an account from XXXX XXXX  had been.opened in my name. They are an online retailer that I had no contact with. Wells Fargo put me thru to their fraud dept and I was told I would recieve info in the mail for this to be taken off my report. Well, 2 days later, I received a credit card from bobs furniture!! I just want this closed and taken off my credit report.
Product: Debt collection

Just received notification from XXXX subscription that a new collections was added to my report. Puzzled, I log on to see what was going on. XXXX collections were reported to the credit agencies, however, not one time did Commercial Trade Bureau contact me via phone -or- mail. How can I pay debts that I know nothing about when the collections agency is n't properly notifying me?
Product: Debt collection

This claim should have been file under my XXXX insurance and I had have never received no notice of Collection this must be removed from my credit file since the collection company failed to reach me or contacted me