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

I am writing to demand immediate resolution regarding my previous dispute letter dated XXXX XXXX, 2025 in which I requested verification of the debts below associated with Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ). Experian was given 15 days to validate this debt as per my second written request, yet you have failed to provide any response or proper validation of the disputed account. The debt accounts are as follows XXXX XXXX XXXX  Account Number XXXX Reason for Dispute : Inaccurate Information/ Account not Verifiable Instruction for Dispute : Delete this account XXXX XXXX XXXX XXXX Account Number XXXX Reason for Dispute : Inaccurate Information/ Account not Verifiable Instruction for Dispute : Delete this account XXXX XXXX  Account Number XXXX Reason for Dispute : Inaccurate Information/ Account not Verifiable Instruction for Dispute : Delete this account Under the FCRA, you are required to : 1. Conduct a reasonable investigation of disputed information under 15 U.S.C. 1681i ( a ) ( 1 ).

2. Verify the accuracy of the information or delete it if verification can not be provided. 
3. Provide me with a copy of the results of the investigation within the required timeframe. 
Your failure to validate or delete this account is a direct violation of the FCRA. Furthermore, if this account can not be verified, reporting this inaccurate or unverifiable information violates 15 U.S.C. 1681e ( b ), which requires you to maintain reasonable procedures to ensure the maximum possible accuracy of the information you report. 
I now demand the immediate deletion of this account from my credit file. If this account is not removed, I will proceed with filing complaints against Experian with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General for non-compliance with federal law. I will also seek legal counsel to explore damages for your violation of my rights under the FCRA, which can result in statutory damages of up to {$1000.00} per violation, plus punitive damages and legal fees as provided in 15 U.S.C. 1681n and 15 U.S.C. 1681o. 
I expect written confirmation of the removal of this account from my credit file no later than XX/XX/year>2025. Should you fail to comply, I am prepared to take all necessary legal and regulatory actions to protect my rights. 
Thank you for your prompt attention to this matter. I look forward to your immediate compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I would like to report identity theft on the accounts below and I would like them to be remove asap. ( Identity theft police report number XXXX ) according with the fair credit reporting act XXXX  Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX  Account number 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 account without my written instructions.
Product: Credit card

Capital one sends me a letter daily. I dont want to sign up for their credit card. I called the company to stop, but that has not worked.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus deleted XXXX XXXX XXXX XXXX Account then allowed the to but a charge off back on my account that was XXXX   balanced that should have never been there the first place. 

XXXX XXXX has not reported a XXXX balance account with XXXX XXXX and XXXX   will not delete the account. The account has not been updated in 5 years and should not have been on there in the first place. 
In addition, I have disputed inquiries by mail with XXXX and they have not updated in 60 days. XXXX  in particular is not following the law in regards to XXXX XXXX who can not verify a bankruptcy for me in the XXXX District of Kentucky and continues to ruin my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried challenging the 100 % accurate reporting of information being reported by transunionXXXX XXXX and XXXX for an account that reads that the creditor is XXXX XXXX various times ... ..each time they send letters saying that they are reporting accurate information... how is that so i am looking at my credit report as we speak and can see the inaccuracies... all 3 credit bureaus are violating my consumer rights so i am reaching out to you the cfpb for help .... 

this account is reporting 3 different dates of last payment transunion and XXXX  are reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX but if you look at XXXX 2 year history they are reporting XX/XX/XXXX as the date of last payment they are reporting 3 different dates of last active transunion is reporting XX/XX/XXXX XXXX  is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX this company is reporting this as a charged off account but never send me a copy of a 1099c as required by law...
Product: Credit reporting or other personal consumer reports

fraud or identity theft caused by the Equifax data breach, between XX/XX/XXXX  and XXXX XXXX
Product: Money transfer, virtual currency, or money service

My CoinBase account had an attempted password hack and I could never create a new password because they locked my account. I emailed Coinbase because they do not have a customer service phone number but they never replied. I had {$900.00} in my account that I cant access. Ive tried multiple password and account resets but the app keeps saying my account is locked. I made a complaint with the XXXX XXXX XXXX but they informed me that all they can do was submit my complaint. Coinbase has a reputation for locking accounts and Ive read individuals have to contact a lawyer. I believe theres a class action lawsuit against Coinbase. Please any assistance would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed capital one reporting late payments that are inaccurate. They have reported negative and defaming info starting XX/XX/XXXX and XX/XX/XXXX on my credit report. They have never given sufficient information to me in order validate this reported information. I disagree with their actions. I challenge the accuracy and integrity of this information. 12 CFR 1022.41 ( a ) Accuracymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 

( d ) Integritymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( ii ) Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part.
Product: Checking or savings account

I was purchasing merchandise from a private seller named XXXX XXXX he informed me that he had Wells Fargo banking and to transfer the money through XXXX which is by Wells Fargo customer. I sent XXXX XXXX {$400.00} thats went through and I never received my merchandise. I have not been able to get ahold of Mr. XXXX at all. XXXX also stated that he has a Wells Fargo account. I contacted Wells Fargo to disput my issue of being scammed and asked for a refund and they told me they can not. XXXX XXXX scammed me for {$400.00} and Im requesting a refund.
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 XXXXXX/XX/year> TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate A c c o u n t Information XXXX XXXX XXXX XXXX XXXX XXXX Account [ Partial Account Number : ] Dear TransUnion Dispute Department XXXX XXXX am writing to dispute the accuracy of a XXXX XXXX account listed on m y credit report. The account, identified with the partial account number XXXX, is reported with a charge-off status. I believe this information i s incorrect due to t h e following reasons : 1. Inaccurate Reporting : The account details, including balance and payment history, contain discrepancies that do not align with my records.

2. Unverified Information : Under t h e Fair Credit Reporting Act ( FCRA ), all information on my credit report must be verified, accurate, and timely. If the creditor can not provide proper documentation validating this account, it must b e deleted.

I request t h a t TransUnion conduct a thorough investigation into this matter. If XXXX XXXX  can not verify t h XXXX legitimacy and accuracy of this account within the required timeframe, I expect it t o b XXXX removed from my credit report immediately. 
Enclosed are copies of my credit report highlighting the disputed account and any supporting documents that may assist in your investigation.

Please update m e o n t h e status o f this dispute a s soon a s possible. If you require any further information, you may contact m e at t h e details listed above.

Thank you for your prompt attention to t h i s m a t t e r. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All requests for a detailed investigation was responded to with bureaucratic filler jargan to deflect from what I was very specific about on my request. I want to give a written request for a forensic audit investigation into ALL CREDIT REPORTING AGENCIES XXXX, TRANSUNION, AND XXXX and the manner in which they Rendered ALL my dispute requests .I am requesting that they provide a detailed Forensic audit of my credit report and investigation of ANY creditor that can not provide written proof of my request for service such as third party Creditor who paid for my debts, accurate date of delinquency " creditor or dept of education and inquiries '' for example I have student loans from 2000 on my report but when i review my credit history it says 2 years. Either completely remove the old info and show only the consolidated report or allow me credit for the number of years my student loans existed and they all MUST be removedcompletely never to be seen and immediately. I want ALL CREDIT REPORTING AGENCIES to remove ALL VARIATIONS OF MY NAME THAT DOES NOT REFLECT A DIRECT MATCH to my court ordered name XXXX XXXX XXXX and match on All 3 Bureaus I request that there be copies of the FORENSIC AUDIT sent to me via email. I reserve the right to file lawsuit against all parties involved that refuse to cooperate fully and truthful with my complete request. This is my final request and attempt to correct and update my " Required Credit History '' THAT CURRENTLY IS CAUSING ME HARDSHIP IN JOB SEARCH AND ABILITY TO ACQUIRE CREDIT. I am a victim of Identity theft as recent as XXXX with several auto dealer inquiries I never applied for " I have a car im paying for '' Lastly I require that ALL THREE Credit Agencies XXXX TRANSUNION AND XXXX REPORT THE SAME INFORMATION OR NONE AT ALL. My next step is to file a lawsuit.
Product: Payday loan, title loan, or personal loan

I took this loan out of {$3000.00} when I was desperate and needed it to pay rent or be evicted. The interest rate was % 167. When I took the loan out I asked if I could pay off early with no penalty and was assured this would be the case. I paid the loan on time as agreed but when I called and asked to pay it off early they lied and did something shady but I cant quite figure what they did. I received a notice from the IRS stating they claimed a loss and that I owe the irs now {$600.00}. I never asked to settle the loan and was never 1099d. I just asked what the pay off amount was. I paid it off and now being charged again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened on XX/XX/2015. It is 7 years and 4 months old. This account has passed its limits and should be automatically removed.
Product: Checking or savings account

I received a CHASE debit card in the mail yesterday XXXX. I do not have a CHASE account. My husband shredded the card immediately. I called CHASE today and was told an account had been opened on XX/XX/2022 in my name which I did not do. I contacted the XXXX XXXX XXXX also. I also contacted my bank to give them a heads up. I was told {$200.00} was on the account. Claim # with Chase XXXX.
Product: Debt collection

During XX/XX/XXXX, I received numerous telephone communications from XXXX, an installment loan financial lender, notifying me of their efforts to recover an alleged debt. According to the information provided, my personal details were exploited to secure installment loans totaling {$2800.00}, subsequently utilized for purchases from XXXX and XXXX XXXX. Responding promptly to these notifications, I initiated contact with both entities in XXXX. Representatives from XXXX XXXX and XXXX explicitly affirmed that there was no record of transactions made by me or using my personal information. 

To substantiate my claim of non-involvement in the alleged transactions, I provided XXXX with an XXXX reference number in XXXX, confirming the absence of purchases facilitated through an XXXX-acquired loan totaling {$2800.00}. Despite presenting this exculpatory evidence, a prolonged investigation occurred throughout XXXX and XXXX. XXXX representatives persistently pursued debt collection during this period, despite my ongoing dispute. 

On XX/XX/XXXX, XXXX communicated via email, asserting my continued liability for the debt totaling {$2800.00}. However, no details or information regarding the investigation were provided. XXXX further labeled my assertion and accompanying documents as " unauthorized. '' In addition to my ongoing dispute with XXXX, I reiterate that my dispute is rooted in communications with XXXX XXXX and XXXX, both of which confirmed no record of purchases made with my information. Additionally, I complied with XXXX XXXX request by submitting an Affidavit for fraudulent charges, accompanied by a police report and a Report of Identity Theft filed through the Federal Trade Commission ( FTC ). 

Subsequent to the failure to notify me of any investigation or details associated with my request for an investigation, XXXX proceeded to send me to collections. Consequently, this debt has been reported as a derogatory account on my credit report, resulting in significant financial harm and numerous phone calls daily by the debt collector. 

In XXXXXXXX XXXX XXXX, I received correspondence from a debt collector, specifically Jefferson Capital. Engaging in communication with them via email, I explicitly articulated my request for details and information regarding the debt they were contacting me about. While my email was acknowledged, the requested information was not provided. To my dismay, I later discovered that Jefferson Capital had reported me to the Credit Reporting Agencies.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I contacted this agency via certified mail to report that I had fallen victim to identity theft. However, as of today XX/XX/2024, the agency continues to report information that originated from the identity theft incident. According to Section 605B, which pertains to blocking information resulting from identity theft, consumer reporting agencies are mandated to inform furnishers of information, including financial institutions, that the information in question XXXX be linked to identity theft and that an identity theft report has been filed. I am providing the agency with FTC report number XXXX, along with a requested block. 

Upon receiving such notification, Section 623 ( a ) ( 6 ) mandates furnishers to block the reporting of any information in the consumer 's file that the consumer identifies as resulting from identity theft within XXXX business days of receiving : XXXX. ) suitable proof of the consumer 's identity ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) identification of the information by the consumer; and ( XXXX ) a statement from the consumer confirming that the information is unrelated to any transaction they initiated. 

I fulfilled all XXXX requirements and will provide evidence with this complaint. However, the agency has failed to meet the requirement of the FCRA 15 U.S. Code 1681c2 to block the reporting of the identified information within the stipulated XXXX business days of receiving notification. This failure constitutes a violation of the law, and the agency is civilly liable to me for willful noncompliance under 15 U.S. Code 1681n for any actual damages I have incurred as a result of this oversight.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been paid in full for moths ; however, each month after receiving confirmation of payment, the bank rejects and returns my payment in full, charges me a late fee. Then when my bank resends the XXXX XXXX processes the XXXX but leaves the late fee and then charges me each month additional late fees. I finally closed my account after paying off these fraudulent charges 3 months in a row. Yet XXXX XXXX continues to charge me late fees and once again damaged my credit score.
Product: Credit reporting or other personal consumer reports

Dear Collections and Consumer Relations Dept. : As I have not heard back from you in over 30 days regarding my notice of dispute dated, I must presume that no proof in fact exists. Also attached is a FTC report regarding the fraudulent accounts in detail. 

Account : Name BANK OF AMERICA TEXAS Account # : XXXX, XXXX, and XXXX PLEASE DELETE FROM MY FILE You have thirty ( 30 ) days from receipt of this notice to respond. Your failure to respond, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you are reporting my name and social security number in error, and that this matter is permanently closed.

Your continued silence is unacceptable. You must either provide the proof or correct the record to remove the invalid entry from my XXXX XXXX file. You are currently in violation of the Fair Credit Reporting Act. 

Failure to respond within 30 days of receipt of this certified letter will result in a small claims 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 For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Sincerely, XXXX XXXX
Product: Debt collection

Superior Auto Finance, ( SAC finance ) for XXXX XXXX originally XXXX. I have contacted XXXX on multiple occasions at this point disputing the information being inaccurate. The amount owed is wrong, I have been paying on the account for some time. Its automatically being taken out of my paychecks which I sent to XXXX  somehow they are still considering everything still accurate. XX/XX/year> and XX/XX/year> are the dates I submitted through XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I was granted bankruptcy and the elimination of my student debt. In XX/XX/XXXX, more student loans showed up my credit report which never did prior to the bankruptcy. My lawyer reopened my case with the courts to have these included in my bankruptcy since these companies ( XXXX XXXX  ) didnt tell us when we asked in the original proceedings. They never responded to the court to argue that they shouldnt be discharged so the court granted these loans Im no longer responsible for in XX/XX/XXXX. They didnt show up on my credit report after the courts ruling. Then in XX/XX/XXXX, I went to apply for a credit card and was denied because these loans popped again on my credit report saying that I was in good standing and owed a {$0.00} balance but they were still joint accounts. This isnt true since the courts said Im no longer responsible for these accounts. I filed my dispute for both XXXX & XXXX on XXXX XXXX. Within a week XXXX removed the accounts from my report increasing my credit score. XXXX denied my report saying consumer disagree with lender. I appealed and got same response. I have court documents saying Im no longer responsible and within a week XXXX recognized this and removed the accounts but XXXX not only consistently ignores but then writes comments that I disagree with the lender when really its the lender who disagrees with the courts. So I contacted a representative from your bureau in the last month about a complaint for XXXX and I was told theres a 3rd credit agency Experian and I should do what I did with the other two agencies and dispute the accounts to see what the results were. I got the same results from Experian that I got from XXXX so I didnt bother appealing with them, instead of waiting months to hear the same thing XXXX told me. I also attached a photo I took on Experians website explaining what joint account means to show that this is no longer a joint account.
Product: Student loan

I am eligible for Public Service Loan Forgiveness. I am a XXXX who has worked at XXXX XXXX XXXX XXXX full time since XXXX. 

In order to get the PSLF I first consolidated my loans with Mohela, as required. Then, I filled out Mohela 's online application. My application was not accepted. So, I submitted a paper copy, which was accepted. After waiting a long time I received a letter telling me that XXXX XXXX XXXX government EIN number was in their database as a for-profit business. They asked me to submit a letter from my employer stating the name of the XXXX, that it is a non-profit, how long I have worked there, and giving the EIN number. I submitted the requested letter by uploading it to their website. I followed their exact directions regarding where to upload it. I received a denial letter again. When I called them they told me I had uploaded it to the wrong place. So, I uploaded it again. Today I received an email saying that my EIN number is not eligible, and that they need a letter from my employer ( the same letter I already uploaded twice ) or a W2. I uploaded the W2 and called them. I am now taking to a supervisor who is escalating the application, but I have no faith in the process as they seem unwilling to research the EIN number themselves, and I have no idea how to prove that XXXX XXXX is a non-profit other than by the means I have already employed. 

My manual application was processed on XX/XX/XXXX. Since then, I called them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and today XX/XX/XXXX. Each time I call they tell what I need to do and then say it will take up to 30 days to process. 

Now they are escalating my case, but also telling me that it could take up to 30 days to resolve, and in the meantime loan payments resume on XX/XX/XXXX. I should not have to pay them anything as I have been trying to have this taken care of since last XXXX.