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

I've been having problems with this company for nearly a year. Issues I am having. 

They keep adjusting balance on a closed account ( see attachments ) -- spoke with them about this, they said that the account is still accruing interest. From my understanding, the account is closed and interest should not still accumulating on a closed account. 

Listed on my credit report incorrect -- I voluntarily surrendered this vehicle, they have it listed as involuntary surrender/repossession. I know these two account statuses will impact my credit about the same but according to the fair credit reporting act, any and all information that they distribute must be an accurate summary of my credit history. In addition to that, there is a discrepancy on the balances and dates. One credit report is saying I owe one amount and the other is saying I owe another amount. One is saying my last payment was on XX/XX/XXXX and another is saying the last payment was on XX/XX/XXXX. One is showing the payment status is 30 days late 3x, and another showing 30 days late 2x. 

Requested the repossession paper work and they have been giving my the run around. 
-- In these situation, they typically sell the vehicle at auction and subtract the proceeds from the balance and the consumer owes the difference. They told me that they filed a claim with their insurance company and they bought the car for about {$20000.00} ; however ; they will not send me the paper work. They told me that no one was home when the paper work was delivered. If they sent it certified mail, I should have had some sort of notice instructing me to pick it up from post office. If it was not sent certified, it could have been left in the mailbox. 

I've spoken with different staff member and I get different answers -- Each staff members response/explanation contradicts the previous one. 

I seriously believe that my consumer rights have been violated. Please help.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Vehicle loan or lease

Not only will they not work with me but it was predatory lending which was initiated by XXXX. Also I just paid {$1200.00} or so payment ( it was late etc ) but only {$7.00} went to the principal. At this rate Ill never pay it off.
Product: Debt collection

Per TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

The following company does not have a surety bond on file with the State of Texas and is actively pursuing collections via mail to my address. I notified them via certified mail that they are in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E and demanded the immediate removal of this tradeline from all three credit bureaus as they have violated the aforementioned laws. 

Company name : XXXX XXXX XXXX, a division of XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the Credit Bureaus to complete a verification on my credit report. They came back and stated that everything was accurate. Upon doing a investigation my self I found some improper actions myself. 

In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX  XXXX account number XXXX, XXXX account number XXXX has violated my rights. 

15U.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: Mortgage

M & T Bank set up a set of conditions making it impossible to pay off a commercial loan I had without paying a {$3100.00} fee even though the loan was sold as no pre-payment penalty after 5 years. I am only allowed to pay off this note on 12 individual days during any given year AND I have to give 60 days notice for that day. Here is an exert from the letter I sent them outlining the issue. ; I received a payoff letter from you on Loan # .... dated XX/XX/XXXX for an upcoming closing on the subject property. On that letter was a fee marked " Other Funds Due '' totaling {$3100.00}. I am disputing this charge and request that it be removed prior to my closing on XX/XX/XXXX. I was told in a phone conversation on XX/XX/XXXX that if I closed after XX/XX/XXXX, thereby satisfying the 60 day notice requirement, there would be NO PENALTY. This new charge did not appear on the previous payoff letter and was never mentioned during that lengthy conversation with several bank officials. 
To evoke a " 60 day notice '' clause AND a " close on one particular day '' clause is completely unreasonable and probably undoable. The closing date is mostly dictated by the buyer. To be able to predict 60 days PRIOR that we will be able to coordinate buyer 's attorney, bank attorney, seller 's attorney, title company, buyer, and seller to all be available on one particular day 60 days forward is ridiculous at best and certainly highly unlikely to be attained. 
I also feel this is tantamount to usury, robbery, and using a license to steal.
Product: Credit reporting or other personal consumer reports

Dear CFPB I am writing to formally request a deletion of all inaccuracies reported on account : # XXXX with XXXX 

Upon reviewing my TransUnion credit report on XX/XX/2025, I noticed that some things are incorrect, incomplete and inaccurate, those errors include reported open date, date of the first payment and last reported date. 

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 : # XXXX, has violated my rights.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 or other personal consumer reports

I've notice fraudulent and inaccurate information on my credit reports. 
please see my attachment for more details.
Product: Debt collection

I was denied a rental property due to an outstanding balance on a property I allegedly rented from them ( I did not, they have the wrong person ) but I'm trying to get information to find out what's happening, and when I called them, they refused to provide proof of the debt. They also tried to trick me into providing my current employer, I guess to ease their collection process. 

I expect them to, immediately, provide either proof the debt belongs to me or to remove the debt from my rental credit report so I can shop for a new place to live.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following accounts on my most recent credit report due to significant violations of the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Bureau ( CFPB ), & the Federal Trade Commission ( FTC ). These violations pertain to inaccuracies, incomplete reporting, and failures to comply wither federal laws requiring accuracy & proper handling of disputes. All of these accounts below have been completely paid in full for several years now. The accounts in dispute follow : XXXX XXXX XXXX XXXX After reviewing my credit report, I have identified several discrepancies & violations that render these accounts invalid for reporting. Below are the specific violations of the FCRA, CFPB, & FTC : Documented Inconsistencies : XXXX. Account # XXXX : o XXXX  : Shows consistent XXXX lates o XXXX : XXXX Account information disputed '' o XXXX : XXXX Too new to rate '' Applicable Laws & Violations : 1. Section 605 ( a ) of FCRA [ 15 U.S.C. 1681c ( a ) ] : " No consumer reporting agency may make any consumer report containing adverse information which antedates the report by more than seven years. '' Violation : Potentially reporting obsolete late payments 2. Section 611 ( a ) ( 5 ) ( A ) of FCRA [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] : " If the credit bureau can not verify the accuracy of the disputed information, it must delete the information on the credit report. '' Violation : The Credit Reporting Agencys failure of accurate reporting means the disputed items/accounts should have been removed. 3. Section 623 ( a ) ( 7 ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 7 ) ] : " Furnishers m
ust provide notice before furnishing negative information. '' Violation : No evidence of negative information notice 4. Section 623 ( a ) ( 1 ) ( A ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] : Violation : Misrepresentation of payment status across bureaus 5. CFPB Bulletin 2013-09 : " Furnishers must establish and implement reasonable written policies and procedures regarding accuracy. '' Violation : Inconsistent reporting procedures evident
Product: Mortgage

I tried disputing this online through the credit bureaus and Bank of America response was not accurate. The info reported was during the time of refinancing in which Bank of America was aware because I hired attorneys for the transaction which notified them accordingly. The time period reported is not consistent and Bank of America and I was represented by my attorneys. The delinquent payments are not accurate. Bank of America has reported some payment history as No Record and  some as 30 days Late. The This info is scattered over the years and not consistent which is completely false. Also, XXXX XXXX  has purchased my mortgage in XX/XX/2018 thru Bank of America. I don't understand why XXXX is reported ownership of my mortgage as if they were Bank of America. Bank of America is still reporting info to the bureaus as of XX/XX/2018. My mortgage was acquired by XXXX in XX/XX/2018. 

I am respectfully requesting that the Bank of America be removed from my credit report from each bureaus.
Product: Debt collection

Unable to reach this company. Reporting a debt on my Credit Report. Had Bankruptcy in 2010. Would like them to validate the debt or remove the negative item from my CR 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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive. As they do 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. I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

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

Account name : XXXX XXXX. and number XXXX Account name : XXXX XXXX and number XXXX XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Debt collection

Per Section 609 ( a ) ( 1 ) of the the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account. 

This delinquent account record is inaccurate. I request that the following account be validated, or promptly removed : Lvnv Funding Llc for {$120.00} Original : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report between XX/XX/XXXX through XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). I have not initiated any transaction with these companies : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with these companies for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a onsumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified XXXX Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
XXXX. Unpaid balance reported as a loss by credit grantor XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Checking or savings account

I received a text message from Chase asking if I authorized XXXX XXXX XXXX on my XXXX account. I never authorized this person nor do I know this person. I called the bank and told them about the information I received in the above mentioned email. The person I spoke to said he did see the information. A couple hours later I received a text that my account was overdrawn. Someone, by the name XXXX XXXX XXXX was able to withdraw {$550.00} from my account using XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft I have about 8 inquiries that I don't recognize on my credit reports. 6 or 7 on XX/XX/XXXX 2 on XX/XX/XXXX and XX/XX/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 instruction 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

On XX/XX/15 at XXXX Capital One decided to close my checking account for no reason. As I further discovered that same day, they reversed my credit for a dispute I made that was validated. I would like my money that is in my account transferred to my external account that I have on file that is ending in XXXX with The XXXX XXXX If I wouldve known this was happening, I wouldve transferred funds because at this current time this was the only bank I used for everything and I have medication that I need and a doctors appointment that now I am unable to attend because I do not have access to my funds. 

So please, transfer the funds to my external bank that I have on file so I can handle my medical needs promptly. I will be calling you all as well in the morning for detailed information as to why this has occurred. 
I am also attaching the validated credit I should receive of XXXX because the credit was given back by the merchant.
Product: Debt collection

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX My account has been paying XXXX XXXX for some time now, I have discovered by doing a thorough audit of my accounts. 

I have no idea who they are. 

I have no documentation in writing who they are, who they represent, what debtor they allegedly represent, what the debt allegedly is, when the alleged debt was. As such, my rights to dispute the alleged debt, along with other civil rights, were violated under the Fair Debt Collection Practices Act.
Product: Credit card

On XX/XX/XXXX, my wallet was stolen/misplaced. 

And my debit card with Chase was used 6 times for a total $ amount of {$430.00}. These transactions were not authorized.

I reported this to Chase immediately as soon as I saw the email about weird transactions on my card on XX/XX/XXXX, and it was resolved as of XX/XX/XXXX. 

But now on XX/XX/XXXX, they send me a letter saying the transactions were authorized by me. Which they were not authorized by me nor was my pin used to process the transactions.
Product: Checking or savings account

Contacted Wells Fargo to advise my info used to open an account fraudulentlyPhone XXXX. XXXX # XXXX. No response.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Re-Aging Credit Account FTC Compliant ( FCRA ), 15 U.S.C. 1681 et  seq.   XXXX  I disputed the account below as a re-aged account and received a reply from the  XXXX  credit reporting agencies stating that the account had been verified and is accurate.   The account was removed from my credit report in   XX/XX/XXXX , Seven 7-years after the date of first date of first delinquency. The collection agency updated the account on  XX/XX/XXXX , showing, the collection agency re-aged the account after the original creditors date of first delinquency in  XX/XX/XXXX . The re-ag ed debt is past the statute of limitations.   Please delete this re-aged account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an open XXXX  XXXX XXXX  credit that I currently use so I dont know how I have a charged off account with them