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

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 your correspondence on this alleged account stating your ( verified/ updated ) this account which is a violation. Bankruptcy court doesnt even give consent to third parties to collect my information I have contacted them personally and gotten multiple written documents from the court to support my cause. I asked that you remove all inaccurate bankruptcy information if you chose to play with me It will result in multiple fines under the law. 

These accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) DATE:XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX of XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Resident Verify Date : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX 15 USC 1681 section 602 A states I have a right to privacy.

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

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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: Student loan

The company is my current student loan servicer EdFinancial. Here is the most recent email I sent to them ( no reply ), after waiting 4+ hours on hold following another 90min wait where they hung up on me today ( XX/XX/XXXX ) : I called your help line on Friday XXXX to discuss the illegally high IDR amount ( $ XXXX ) you had auto-enrolled me in, as well as to figure out why my account showed a past due amount of {$750.00}. I left my info for a call-back at XXXX XXXX. I received a call from XXXX at XXXX XXXX Monday, XXXX. She agreed the IDR was too high, and I expressed I wanted to opt for the Extended Graduated Repayment plan, for which I know I qualify per the student aid site. She placed me on hold several times to figure out what the past due {$750.00} referred to, before eventually conceding she had no idea. 

When I asked for confirmation in writing that my plan should update to reflect the correct EGRP amount due, and would remove the unknown {$750.00} past due charge, XXXX assured me it would reflect on my account shortly. When I asked what I should do if I approached the XX/XX/XXXX auto-pay date without corrected statements showing, she said I should turn off auto-pay, as { you } can go up to 2 months delinquent before it gets reported to credit agencies. I expressed that seemed legally and financially dubious as a suggested solution, she swore it shouldnt take that long to update me account. 

When it still showed the wrong amount due + the errant {$750.00} past due as of XX/XX/XXXX, I canceled the auto-pay and attempted to call the help line again ( signed up for call-back & never received one ). 

Since my credit score is showing dinged with a delinquent payment on XX/XX/XXXX, I called again to sort it out, as my account is still not corrected, still shows {$750.00} + {$2800.00} past due from XX/XX/XXXX and another {$2800.00} upcoming due for XX/XX/XXXX. 

I would like to confirm 1 ) I am enrolled in the Extended Graduated Repayment plan ( $ XXXX ), 2 ) The {$750.00} past due amount is either pulled from my record, or written justification for it is given to me, and 3 ) That the missed payment your representative told me to cancel payment on is removed from my account as a delinquent amount & is not reported to credit agencies as if I chose to avoid a legitimate payment ( which your own representative said this was not ).
Product: Credit reporting

I have informed XXXX XXXX many time that XXXX XXXX bank has fail to verify the accuracy of this account Under FDCPA Section 809. Validation of debts [ 15 USC 1692g ] .The amount owed is incorrect XXXX XXXX bank claim to have received payments I did not make. my name is incorrect.
Product: Debt collection

Debt was disputed several times. Each time different amounts owed were sent. XXXX effectively removed the three erroneous collections accounts from my credit file, but XXXX and XXXX have not, after I have contacted them several times to remove the inaccurate accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My XX/XX/XXXX payment was not made before XX/XX/XXXX due to an accounting error on my part. I make my mortgage payments over the phone every month and when the bank sought to withdraw the funds from my checking account, there was an insufficient amount due to my own accounting error. I entered into a payment plan agreement with the bank whereby my missed payment was broken up into 5 monthly sums in addition to my regular payments. I made my payments as agreed upon. The bank noted both my and my wife 's credit report as delinquent for six straight months while I was making the payments both me and the bank agreed. This action on the bank 's part has undoubtedly effected both of our credit reports in a most negative fashion. I do not think it is reasonable for the bank to saddle us with six delinquent notations on our credit reports when it was only one payment missed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Account Number : XXXX XXXX Account Name : XXXX Type of disputed information : Credit Card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 2 Account Number : XXXX Account Name : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 




Thank you for your assistance Sincerely, XXXX XXXX
Product: Credit card

Per the credit card act of XXXX, all payments should satisfy the higher interest then the lower interest. I had just under {$490.00} in purchases, made a {$500.00} Payment and was still charged the 27.24 % off the purchases. I also have XXXX promo balance transfer with balance. Per the credit card act, the highest interest balance should be paid first before the lower one is applied.
Product: Mortgage

Property inspection fees. unverified Did not request any inspectors or met any inspectors in relation with this group Recent statement has 7 inspection fees {$14.00}. each, total {$98.00} for month of XX/XX/2019 prior issue with this mortgage service provider for {$160.00} of same issue. 
attached photos of account concern.
Product: Credit reporting or other personal consumer reports

My id is being used on the dark web and now I have scam, and fake inquires on my credit report. 
The three credit agencies have refused to remove them from my credit report!!!! 
I am a XXXX XXXX  XXXX American veteran, and I do not have the time to deal with this nonsense!!!!! 
Remove the inquiries ASAP!!!!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My complaint is against NATIONAL CREDIT SYSTEMS. Today I pulled a copy of my credit reports, and upon doing so I discovered that NATIONAL CREDIT SYSTEMS is reporting a collection account to XXXX, XXXX, and XXXX while also reporting inconsistent across the credit bureaus. NATIONAL CREDIT SYSTEMS is also incorrectly reporting that they are attorneys on my XXXX report. Impersonating Law Officials is a direct violation of federal law. 

They are in clear violation of 15 USC 1692f that the FTC very clearly spells out that " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt ''. 

I am demanding that NATIONAL CREDIT SYSTEMS delete the collection account they are reporting under my social security number immediately.
Product: Student loan

I just received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation
Product: Credit card or prepaid card

Via Secure Messaging, contacted Comenity on XX/XX/2020. No response received to date. 

How do I go about disputing 3 transactions? 

The first is from my XXXX statement. It was an online retail merchandise purchase. It was billed the day after my order. To date, I have yet to receive the product. I have been told it is due to high demand. But I can not get a straight answer from the Retailer. I have emailed the Merchant several times in the past 60 days. 

XX/XX/2020 XXXX XXXX XXXX XXXX  Charge {$100.00} The second and third transactions are from my XXXX statement. I cancelled the subscription to a XXXX Weight Loss program. Yet, I was billed for another order on XX/XX/2020. And, to date, I have not received the below product since I cancelled. 

XX/XX/2020 XXXX XXXX NY Charge {$89.00} XX/XX/2020 XXXX  XXXX NY Charge {$87.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 i sent a formal 609 letter disputing many inaccurate accounts to Transunion, XXXX, and XXXX. It has been well over 30 days and I have yet to receive any correspondence or updates from any of my inquiries
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Capital one is refusing to remove a duplicate charge which has an identical amount from the same merchant. 
The merchant is XXXX and the amount is {$68.00}. See attached screenshot of account for further details. I 've spoken to them about this and they are unwilling to remove it.
Product: Credit reporting or other personal consumer reports

I have identified information on my consumer reports that are a result of identity theft. These items are not related to any transactions completed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX reports an open tradeline with payments iao {$1300.00} and balance {$170000.00}. I am joint on the promissory note for this loan and quit claimed my interest to the co-applicant. I also included the promissory note in a chapter XXXX filing that has discharged since XX/XX/2015 ( case XXXX ). I understand that divorce decrees do not supercede the actual debt, however the debt was fully discharged in the Chapter XXXX and therefore this should be credit suppressed and all delinquencies reported since the discharge should be deleted and the balance should reflect {$0.00} discharged in the chapter XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting Act XXXX Accounts listed as followed 1. XXXX XXXX XXXX XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX, XX/XX/XXXX 3. XXXX XXXX XXXX, XX/XX/XXXX 4. XXXX XXXX XXXX, XX/XX/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 a account without my written instructions.
Product: Consumer Loan

Completed chapter XXXX everything still remain on my credit reports so I ca n't get a loan.
Product: Credit reporting or other personal consumer reports

I have reached out on multiple occasions since 2021 requesting that the credit reporting agency remove the bankruptcy listed due to it containing inaccurate information. I have requested a validation of this information as well as the source of the information. I have yet to get a valid response from the agency and no source of the data. I reached out to my local bankruptcy court, and they reported that they did not provide this information the credit agency and I reached out to XXXX and XXXX who willing removed the inaccurate information from their system and data management database back in 2021. See attached documents.
Product: Mortgage

XXXX major issues that have been poorly handled by this institution. 

Rate lock - From what I understand, they set the expectation with you that they had secured your rate when they had not and it was actually floating. If I am correct, this costed you some money when it was finally locked. 
Zoning Issue - I know very well about this as I helped you resolve it. If I recall, the unit is in a building which was categorized non-conforming due to the possibility of not being able to rebuild in case on catastrophic damage. This lender was unable to solve this and only when I worked through a colleague in Florida was it determined that a waiver letter was acceptable. Based on our discussion, you shared this solution with them and they sorted it out, but they should have been able to resolve without delay and inconvenience to you. 
DTI - In our last discussion, you are now telling me that they are scrambling to resolve a DTI issue resulting from confusion on which debt is personal and which is associated with your business. This should in no way be a last minute issue and should have been resolved at application or after approval, at the very latest. I have not yet reviewed your commitment letter, but I would request it from them as it would have to address this or they are altering a committed deal which is not allowable. In short, if they approved you and told you what they need to close, they can not add items unless your financial situation has changed. 
Blown Dates - Throughout the process, they seem to be stringing you along with consistent unmet promises for dates of approval or issue resolution. This has eliminated your ability to find alternate financing further jeopardizing your transaction and money.
Product: Credit reporting or other personal consumer reports

I urgently request the prompt removal of the unauthorized accounts from my credit report. I did not authorize them, and they are causing significant distress. Please correct this error without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

When you go online to Equifax and try and file a dispute - the online application closes abruptly and then an error message says can not process at this time. This happens all the time and has happened since I fired them as my monitoring service. 

The XXXX, GA address is not my address - that is the dispute
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app. Due to unfair practices which violates consumer financial protection act. Cash app failed to reach out to me after Ive call and given them my information plenty of times. Ive had a work check not come. Disputes putting me into the negative when I didnt even have the cash app available at the time cause for a month I was in negative without any communication or compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reporting agencies broke the law and used my identity without my consent. 
Pursuant to 15 usc 1681 ( a ) ( 1 ) congress makes it clear that the banking system is dependent upon my consumer report being fair and accurate to me. There company has practiced unfair credit reporting methods. They took information from alleged creditors, and debt collectors then proceeded to report this information without consulting with me to confirm whether such infirmation was accurate or not. This in fact gave the furnisher of this innacurate information an unfaur advantage over me... This information is inaccurate and i need it removed...
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agencies Subject : Request for Deletion of Unverified Account Due to XXXX XXXX Dear Credit Reporting Agencies, I am writing to formally request the immediate removal of an account reported by XXXX, which was listed as a closed account with a {$0.00} balance, from my credit report. After I disputed this account with XXXX, their investigation was completed on XX/XX/2025, and the account was deleted from my XXXX credit report. XXXX decision to remove the account confirms that the information is unverifiable, and as such, your agency is now obligated to take the same action under federal law. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies must ensure that all reported information is accurate, complete, and verifiable. Since XXXX has deleted this account completely, it is evident that the account can not be verified. Therefore, it must be removed from my credit file to maintain compliance with the FCRA. 

Additionally, under FCRA 609 and 611, if a credit reporting agency can not verify the accuracy of disputed information within 30 days, it is required by law to delete the information. I request that your agency conduct an investigation and remove this unverifiable account within the legally mandated timeframe of 30 days.

Failure to comply with this request may result in legal consequences. FCRA 616 and 617 provide me the right to take legal action against any credit reporting agency that fails to meet its obligations under the law. Non-compliance may expose your agency to liability for damages caused by inaccurate reporting and failure to act within the law. 

I have attached a copy of my XXXX credit report confirming the deletion of this account. Please confirm in writing once this account has been removed, or provide any documentation you are relying on to verify the accuracy of this account if you choose not to delete it. 

If the account is not removed within 30 days, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may pursue additional legal remedies. 

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

XX/XX/XXXX I sent in a dispute letter to Lending Club Company and all 3 credit bureaus and didn't receive a response in over 35 days. On XX/XX/XXXX I sent a second dispute letter to Lending Club Company and Equifax credit bureau regarding a collection/charge-off that was opened in XXXX. XXXX is still the only credit bureau listed on my credit report while XXXX and XXXX has since deleted this collection/charge-off from my report the first time around. It is well over 30 days again and the account still has hasn't been updated or removed.
Product: Debt collection

I received letter from Collection agency called " Capital Accounts '' and then received a phone call at my workplace. 
I did not receive any letter, bill or any kind of communication from the Dental service provider " XXXX '' since XXXX 2012. The services were rendered in XXXX 2012. I paid over {$1500.00} Cash and rest was supposed to be paid by my insurance. 
According to Capital Accounts I owe them around {$2300.00} According to " XXXX '' I owe them around {$1500.00}. 
Why XXXX XXXX not contacted me ever and I received a sudden letter from collection agency after 45 months. 
I believe that either I do n't owe them anything or XXXX failed to file claim with Insurance Company in timely fashion and now trying to make me pay for their mistake Or there are some kind of fraudulent activities going on somewhere in the pipeline since XXXX Office never contacted me about any Insurance Issue at that time and now 45 months have passed. 
I would appreciate if you can step in and investigate since they are threating to destroy my credit with Credit Bureau. Thanks