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

I have made several attempts in XXXX to offset the balance of debt the accounts claim I owe. All of the accounts refuse to accept the some or all of the payments I sent them to offset the debt. As a result my credit scores have been negatively affected and severely hindered the ability to act in commerce! 

So in accordance with the Fair Credit Reporting Act, the accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to all the U.S. Codes : 15 USC 1681, 15 USC 1691, 15 USC 1692, 15 USC 1602, and 18 USC 894.

The Credit Furnishers are using my TRADENAME without my express written consent is in violation of the Michigan Legislature - Identity Theft Protection Act 452 of 2004 - MCL Section 445.65. 

The Names reported : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX The accounts and balances in question are listed below : XXXX  XXXX- {$29000.00} XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX - {$14000.00} XXXX XXXX XXXX XXXX {$33000.00} XXXX XXXX - {$1600.00} XXXX XXXX XXXX XXXX - {$780.00} The ( credit furnishers ) have blatantly violated my consumer rights and acted in restraint of trade which is in violation of 15 USC 1 and 15 USC 2.

Also, it clearly states under Fair Credit Reporting Act ( FCRA ) section 604 ( a ) ( 2 ) that a consumer reporting agency can not furnish an account without my written consent.

15 USC 1681c ( a ) Section ( b ) states, no consumer reporting agency may make any consumer report contain any of the following items of information.

( 5 ) Any other adverse items of information other than the records of convictions of crimes that antedates the report by more than seven years.

15 USC 1681s - 2 ( a ) Duty of furnishers of information to provide accurate information. 

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I recently was wage garnished for the second time. The XXXX County representative never served me any documentation regarding any outstanding debt. I spoke to someone in the court and they confirmed they sent 3 letters out and all were returned because they were not delivered. I am not a wage earner, I do not work, I have no income and the wages garnished were from my husband 's work. The creditor nor their attorney ever contact me nor did the courts, so how can I even attempt to settle the debt without due notice. The court clerks say the judgement was filed in XX/XX/XXXX, it 's XX/XX/XXXX and they start randomly taking money out without any notice. XXXX XXXX also failed at advising us of any illegal funds being withdrawn or levied per the law. My husband is now past due on student loans, credit card payments and car insurance. All because of this lack of communication. Pressler and Pressler never sent any documentation either. Debtors and attorneys can not take money out of accounts without due notice. We received several calls as well XXXX asking for XXXX regarding a debt and it 's a machine that immediately hangs up.this same tactic is performed at XXXX at night via dialing loops. We do n't know what the debt is, who the creditor is, no details, just ask for XXXX and hang up. I want Pressler and Pressler held accountable for my husband 's late payments, should his excellent credit take a hit, I want them accountable for it. This is corporate debt at its finest, unfair collection procedures, illegal seizures, illegal seizures without right to dispute, and seizure on income that is not even my own. Please help me and please ensure these types of issues do n't affect other innocent people out there. 

Thank you
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properiy investigaie 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 re
cent 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

I am writing to formally address a serious issue involving LVNV Funding LLC and an unauthorized debit attempt, as well as a collection account that I previously disputed. 

Timeline of Events : XX/XX/year> : I successfully disputed a collection account with LVNV Funding LLC that I had no prior knowledge of, and it was subsequently removed from my credit report. 
XX/XX/year> : Despite the removal of this account, LVNV Funding LLC inexplicably obtained my account information and attempted to debit {$46.00} from my account without my consent. 
This unauthorized action is both unacceptable and unlawful. I have already sent formal letters to your company regarding this issue, but I am now escalating this matter for immediate resolution. I demand no further unauthorized attempts to withdraw funds from my account occur. 

I expect a prompt and thorough investigation into this matter. Additionally, I require written confirmation that my account will not be charged further and that all sensitive information will be handled appropriately to prevent any future breaches of my rights.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I have been requesting itemized statements from Progressive Management Systems since XX/XX/year>. I allegedly owe about {$2500.00} with to this company. First problem is the original creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ) did not send statements so I had no knowledge of this debt to begin with. The only reason I found out I owed is because PMS sent the collection to my credit report with XXXX. There's been a total of XXXX requests for full documentation and itemized statements for this debt and PMS has not provided this. I would like this debt erased since I have no proof of this debt. I had no opportunity to dispute, discuss, set up payment, or play since I never had the statements. I also would like this off my credit report. Lastly, I would like to stop being harassed over this debt. Additionally, these letter were sent via certified mail and everything requests were ignored. Only XXXX statements were sent not itemized and they do not equal what they say I owe which is missing information.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX following multiple disputes and several CFPB COMPLAINTS continues to verify an installment loan, XXXX XXXX .XXXX XXXXxxxx today after another bad verification continues to depict and publish to 3rd parties inaccurate and incomplete information in violation of black print in the FAIR CREDIT REPORTING ACT.THE MONTHLY PAYMENT CAN NOT HISTORICALLY BE XXXX DOLLARS AS EQUIFAX DEPICTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a late payment on my credit profile and has not complied with the dispute and documents provided to show account was paid with thirty day time period from due date. I have disputed with XXXX directly also and have not heard anything from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has confirmed medical account that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was compromised and the fraudulent inquiries were incurred by someone other then myself so please remove all unverified unauthorized fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2020 I sent disputes to the credit bureaus regarding inaccurate accounts reporting on my credit reports. It is XXXX and I have not received any results from the investigation. Legally the credit bureaus have 30 days to complete an investigation. It has been over 90 days and nothing has been done. These accounts need to be deleted from my credit reports immediately or I will file litigation due to the stress this has caused me. My infomation was impacted by the XXXX data breach and could have gotten in the hands of the wrong person. XX/XX/2020 I Sent an additional letter to the credit bureaus and they have ignored that one as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are errors:Addresses:XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXTelephone numbers:XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX  I had to ask you for a copy of my credit report and for complete suppression of my personal information and instead you gave me a useless AI generated form letter on a Sunday. Including in this bogus piece of paper was the false statement that you believed, I am not the requester of the information despite the request coming from my address using my Social Security number my email address and my home address. Obviously your stall tactics and a refusal of me getting my credit report are violation under the FCRA. I have included a copy of my Social Security card and drivers license number as well as all of my personal information. If you have any questions, call my house or cell phone number that is listed with my name Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have been trying to remedy the impact of this on my credit file. I have been submitting documentation in reference to fraudulent account san they are still reporting within my credit file. The accounts stay in " investigation '' for months at a time with no resolution. At this very moment I am unable to dispute or upload supporting documentation as they are currently under dispute. These accounts are fraudulent. The fraudulent accounts are XXXX XXXX in the amount of {$420.00}, XXXX XXXX in the amount of {$370.00}, XXXX XXXX XXXX XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account # XXXX XXXX XXXX XXXX XXXX ( XXXX ) Account # XXXX XXXX Account # 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
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX XXXX IS SUPPOSED TO ENSURE MAXIMUM POSSIBLE ACCURACY .THIS ACCOUNT VIOLATES THESE LAWS 15USC1681,15 USC 1681S2. N15 USC 1681i5,15 USC 168LEB.

DELETE ACCOUNTS TRANSUNION IS REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT XXXX XXXXXXXX XX/XX/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 reviewed my Equifax credit report and noticed that I had 5 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXX XXXX XXXX Account number XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. 

Thanks
Product: Credit reporting or other personal consumer reports

am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX the account number XXXX an auto loan account opened at XXXX XXXX  on XX/XX/XXXX, XXXX the account number XXXX, and a personal loan account opened at XXXX XXXX XXXX on XXXX, XXXX  under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against XXXX XXXX XXXX Equifax Consumer Name : XXXX XXXX XXXX Social Security Number XXXX Consumer Date of Birth : XXXX .This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? 
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
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, Equifaxs action may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs 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: Credit reporting or other personal consumer reports

I sent a validation letter to the company XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, MN XXXX. 
The information I requested to validated is listed below. 

The following information is required. Please fill out form below entirely : XXXX. Name and address of XXXX XXXX : XXXX. Name on file of alleged debtor : XXXX. Alleged account number : XXXX. Address of file for alleged debtor : XXXX. Amount of alleged debt : XXXX. Date this alleged became payable : XXXX. Date of original charge off or delinquency : XXXX. Was this debt assigned to the debt collector or purchased? __NO __YES XXXX. XXXX paid if debt was purchased : XXXX. Commission for debt if collection efforts are successful : Please attach copies of the following : XXXX. Agreement with your client that grants COLLECTION COMPANY NAME the authority to collect this alleged debt. 
XXXX. Signed agreement Debtor has made with XXXX Collector, or other verifiable proof Debtor has a contractual obligation to pay XXXX Collector. 
XXXX. Any agreement that bears the signature of XXXX, wherein agreed to pay XXXX. 
XXXX. All statements while this account was open. 
XXXX. Have any insurance claims been made by any creditor regarding this account? ( yes, no ) I have not received a response and it has been over XXXX days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted transunion regarding being a victim of their inquiry issue because there are quite a few on my report not initiated by me. Customer service was not very helpful in getting my issue resolved and as a victim I wouldnt think the process would be so difficult to correct inaccuracies. Here are the following items not initiated by me and I dont recognize them : 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 am filling this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit, despite numerous efforts to resolve this directly. I request immediate investigation To validate and removal of the following inaccuracies on my credit reports, XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

SageStream , LLC told XXXX XXXX that the key factors for my credit score of XXXX which I know is in the 800s was the number of utility inquiries ( not true ) also not enough bankcard dept experience ( not true ), lack of history at this address ( I have lived at this address for over 30 years and own my home ) Also discrepancies in historical identity information? ( what is that? ). Then they went on to say the inquiries did adversely affect the score. 
I'll tell you what I think is going on with this low score, by giving XXXX XXXX a low score for me I would have to pay XXXX more money for credit. This is very dangerous for big companies to behave this way when you pay your bills and do the right thing and go with out because you pay your bills on time. 
Also I contacted XXXX and the other two big credit reporters and SageStream never contacted any of them for my credit report.
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate information and Cretan identity theft report with the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting my account late and it is not late in fact I paid it in full last month when I called them to fix it they refused and said I had to wait until next month. This is illegal to report info inaccurately. And they took my XXXX $ then reported my account late my score dropped 75 poults