23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear, LVNV FUNDING LLC I recently noticed a debt collection from you on my credit report. I am writing to verify that you have reported on the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2.

Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against. XXXX Credit Bureau, XXXX Credit Bureau and Equifax credit Bereau. for their failure to correct and update my personal information on my credit report, as required under the Fair Credit Reporting Act ( FCRA ). 

On [ XXXX ], I submitted a formal request to. XXXX XXXX, XXXX Credit Bureau and Equifax credit Bereau. asking for updates to my personal information. I provided all necessary documents to verify my identity, including : [ A copy of a government-issued ID ( drivers license, passport, social security. ] [ A recent proof of address, bank statement. 

However, to date, some of my personal details remain incorrect or incomplete.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Account and Identity Fraud ( Account : XXXX ) Dear [ Credit Bureau Name ], I am writing to dispute the validity of an account that appears on my credit report and to formally request validation of the following account, which I believe is a result of identity fraud : Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This account is not mine, and I have never authorized or opened any accounts with this entity. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am requesting that you provide the following verification and documentation for this account : A copy of the signed contract or agreement related to the account.

Proof of any payments or transactions associated with the account.

Any identifying information you have on record that would associate this account with me.

Additionally, under 12 C.F.R. 1022.41 ( Regulation V ), which enforces compliance with the Consumer Financial Protection Bureau ( CFPB ), I am requesting that this account be removed from my credit report due to the fact that it is fraudulent and affecting my financial well-being. The erroneous reporting of this account is causing harm to my credit, and I request it be corrected immediately. 

Please treat this as a formal dispute and investigate this account. If this account can not be validated, I request that it be permanently removed from my credit report in compliance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Failure to remove this fraudulent information will result in further action, including a potential lawsuit by my attorney, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. This is a serious matter, and I will hold both your company and the reporting party accountable under CFPB laws, FCRA, and applicable state and federal regulations. 

Please provide a response within 30 days as required by 15 U.S.C. 1681i ( a ). If I do not receive a satisfactory resolution, I will pursue all available legal remedies.
Product: Credit reporting or other personal consumer reports

Experian will not remove ALL outdated personal information identifiers from my credit report. I have provided enough documentation to prove that I do not live at the addresses listed, my correct name, DOB, and SSN. They are violating my consumer rights.
Product: Credit card

I challenge the reportability of the allegations within my credit report. They are simply not true! My credit report is full of errors! I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting!, which is why I have the right to contest any information on my credit report that I believe is inaccurate, in accordance with the Fair Credit Reporting Act. The data included in it must be documented and validated before it is shown to anyone else, because if not, then just one person was not doing their job - which means more mistakes!
Product: Credit reporting, credit repair services, or other personal consumer reports

I missed a payment XXXX and I used money gram on XXXX, to make an {$80.00} payment which a {$40.00} late fee was a portion of it, same day service, cost {$8.00}. Genesis FS card service received and process the payment on the XXXX. Yet they reported to the credit bureau I was 30 days late on a payment. I had til XXXX to pay it and not be 30 days late. Its always a problem with Genesis FS card services. They need to be investigated for unfair business practices and their customer service is horrible. I sent a money order to them last year they claim they did not receive it. I mailed two weeks before the due date to be on time and they hit me with a late fee
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with XXXX XXXX for a XXXX XXXX XXXX I had financed. I traded in that vehicle with XXXX XXXX XXXX in XX/XX/XXXX. I have confirmed with receipts that the dealer paid off this loan in full and received title to the van. XXXX XXXX never marked my loan as paid. This last spring they began reporting it to the credit bureaus as late and I now have multiple 180+ lates on my credit that are inaccurate, as I have not had this vehicle since XXXX and it was paid in full by the dealer. I have contacted XXXX XXXX multiple times and they ignore my requests for information. After a complaint to the XXXX they marked it as paid and sent me a title release. They also sent me an original copy of hte loan with a paid stamp on it where they crossed off XXXX as the paid date and put XX/XX/XXXX. This loan was fully satisfied in XXXX and the lates on my credit report are inaccurate and preventing me from refinancing my mortgage. I want these inccorrect lates removed from my report immediately.
Product: Checking or savings account

I opened BMO Harris account with a promotion of {$500.00} cash back bonus. Condition was that within 90 days of account opening I should have {$7500.00} in direct deposit. Which I met. 
On XXXX XX/XX/, I asked this question to BMO Harris via secured message Center that when I am going to get {$500.00} cash back bonus? Only got a response when i filed CFPB complaint that i will be getting it later. 

Today when I logged into my account, I am seeing there is a {$1.00} fees for no good reasons. 
When i asked? 
Why there is a {$1.00} feed on my account? 

No response
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX /  XXXX   Johnson Mark LLC pulled my credit without my knowledge.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I saw erroneous information from an account that I have no knowledge of. This account is reflecting from identity theft in the past. The account in question is already being investigated and supporting documentation such as the FTC AFFIDAVIT HAS BEEN SENT AS WELL. The account in question is CITI CARDS CBNA - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX or XXXX XXXX is commiting crimes and causing people not to have bank accounts to live their lifes. they have misleeding info on people credit files and banks turn away good people. i XXXX XXXX XXXX am one of the people they are trying to hurt with their lies. i did not give any athuasashon to have my name in their system and if i did i was not aware of it i revoke my name and my social in their system and they must remove me from the sytem or i will seek legal console. an in turn another compney that is going to halfto purge my account its chexsystems they must purge my account or legal action may take place
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX File Identification Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to dispute several inaccurate accounts on my credit file. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( a ) of the FCRA you are required to PROMPTLY DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681eb, every single one, even each, any, or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety, or the alleged accounts are to be completely deleted.

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act 609 ( A ) ( 1 ) ( a ), you are required by federal law to verifythrough physical verificationof the original signed contract of these accounts with my wet signature. I am distressed that you have included invalid information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the information you report to credit bureaus. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to a debt collector reporting information in my name to the consumer reporting agencies.

I demand to see a verified proof of these negative claims and remove the negative information from my report as soon as possible. After doing so, provide me with an updated credit report reflecting the changes. Under the FCRA, you have exactly and no more than 30 days to do so. Failing this, the item must be deleted from my report as soon as possible. If you do not delete, I will sue everyone involved immediately.

Account Name : XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$1200.00} Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Balance : {$1500.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Balance : {$1500.00} Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Balance : {$1500.00}
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX  - XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect XXXX - XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX  - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

.l 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, 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 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate

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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

I am experienced credit card fraud, Identity thief and how secure for my information. I tried to call for fix, dispute and complaint but the problem had not been solve and it happens again and again.
Product: Debt collection

According to the FCRA account the account named, XXXX XXXX has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of accurate debt if valid ; ( 2 ) the debt owed is a culmination of what alleges to be fraudulent charges ; retained deposits, were not returned, were undisclosed and unaccounted for.Name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report pertaining to an auto loan account that I held with XXXX XXXXXXXX XXXX XXXX. After careful review of my credit report, I have identified discrepancies involving duplicate reporting of this account. Below are the details of the disputed account : Creditor Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date of Last Activity : XX/XX/XXXX Current Status : Balance owing - {$19000.00} I am disputing this account on the following grounds : Duplicate Reporting : The account in question is being reported multiple times on my credit report. This duplication of reporting is erroneous and has the potential to adversely impact my creditworthiness. Paid in Full : I want to emphasize that the auto loan associated with this account has been paid in full XX/XX/XXXX. 
Despite fulfilling all financial obligations, it continues to be inaccurately reported as active, leading to a misrepresentation of my credit profile. FCRA Compliance : I am bringing this matter to your attention in accordance with the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that consumer reporting agencies, such as yours, maintain accurate and fair information on consumers ' credit reports. The duplicate reporting of this account violates these provisions. 
Request for Investigation : I hereby request a thorough investigation into this matter as per the FCRA guidelines. I expect your agency to conduct a prompt and fair investigation within the statutory timeframe of 30 days. 
I respectfully request that you take immediate action to rectify this discrepancy. Upon completion of your investigation, I anticipate a written response detailing the outcome and any corrective measures taken. 
Thank you for your prompt attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism. 
Below
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX, and XXXX on XXXX XXXX XXXX. It has been over 30 days, I still haven't recieved anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 

This is a violation of my rights.
Product: Debt collection

I am writing to dispute and request corrections to the inaccurate information on my credit report. It has come to my attention that there are errors in the reporting of certain accounts, and I kindly request a thorough investigation and rectification of these issues : XXXX XXXX XXXXXXXX, DEPT OF EDUCATIONXXXX XXXXXXXX, and DEPT OF EDUCATIONXXXX XXXX XXXX I was the victim in this situation, and I am perplexed as to why this credit bureau is not complying with the law, especially considering that other bureaus have followed suit in correcting these inaccuracies. I expect a thorough investigation into these matters and prompt corrective actions. Please provide me with written confirmation of the results of your investigation.
Product: Credit reporting or other personal consumer reports

I need XXXX XXXX XXXX XXXX XXXX XXXX XXXX removed from my profile
Product: Checking or savings account

So I was racially profiled at the Bank of America yesterday XXXX a woman by the name of XXXX asked me if if I knew another minority that was passing by and we briefly discussed a conversation how does that have anything to do with my my banking. Also I am being referred to as dear instead of XXXX XXXX I have complained and still the same dear just. And so I have been in institution for the past 8 times dealing with the same issue they will not release the hold of my account or card and the same lies but when Icall customer service you can not use your card in til you verify and I do with bankers and tellers and so on and they are rude dismissive and racist. They walk by you and not say a word.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate deletion of a fraudulent account reported by XXXX on my credit report. The account in question is listed under the name XXXX XXXX XXXX. 

Despite my efforts to resolve this issue directly with XXXX, the fraudulent account remains on my credit report, adversely affecting my credit score and financial well-being. This account is completely unauthorized, and I have no knowledge of it. Furthermore, I have taken the necessary steps to report this identity theft to the Federal Trade Commission ( FTC ), and I have filed an official Identity Theft Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested an itemized bill from the beginning of service as well as a signed or voice contract between me and XXXX. I have not received my request. The collector, XXXX XXXX, has sent me " XXXX '' invoices instead w/ multiple billing dates and amounts. The dates are in 2014 for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, XXXX continue to report an allege bankruptcy that they do not have permission to report on my credit file. The credit bureaus sell information for profits to other third party companies but I hold legal and equitable title to my name and all rights to my personal information. The bankruptcy courts do not verify this information and the credit bureaus gather information from various other businesses to produce these consumer reports however I do not give any credit bureau consent to gather any such information on me and release it. This is putting me at risk of my information being hacked and sold on the black market. Each credit bureau has already been involved in multiple data breaches and can not be trusted with my private information.
Product: Credit card or prepaid card

This is to the second complaint filed with this agency over payments related to both my Capital One Credit Cards ending XXXX and XXXX this is related to the previous complaint # XXXX. 

I have made arrangement with Capital One to make a monthly payment in the amount of XXXX on the XXXX of every month for a total of 9 month which the first payment was to be made on XX/XX/2023 and another payment was made for XX/XX/2023 but made on the XXXX which a customer service agent not of the United States was informed. From XXXX and XXXX, XXXX  Capital One, despite having the agreement of the XXXX payment every month for 9 months has been sending me notices stating the account is behind and i have to make up the past due amount before XX/XX/2023 my account will be charged off. On the XXXX of XXXX I contacted Capital One stating this was incorrect and spoke to Agent XXXX XXXX XXXX XXXX to ask for a physical address to dispute my account. The agent began to place me on hold and later stated her Supervisor told her that she could not provide a physical address ( which could have been a XXXX XXXX XXXX to me to write a letter. this is a violation of the Fair Credit Reporting Act and the Fair Billing Act. 

This is the second time I have had to file a complaint based on my accounts with Capital One in which an XXXX XXXX  provided error or did would not allow me to make a payment ( reasonable ) to keep the account from being charge off. 

XXXX XXXX have prevented me from being about to protect my credit rights.