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

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Under the FCRA, if disputed items ca
n not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccura
cies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Debt collection

Pro Collect on 3 occasions, within the 30day dispute timeframe, has refused to provide verification of a debt they claim is owed. When the debt was disputed I was advised it was a refusal to pay and that it would be reported to all 3credit bureaus and would indefinitely and significantly impact my credit if not paid in full immediately. When I spoke to a supervisor I was also advised account would be marked as a refusal to pay and it would be updated to all 3credit bureausAnd they do not need to provide verification of this debt and even if it is disputed they will continue to call and collect.
Product: Credit reporting or other personal consumer reports

A Hard credit card inquiry from XXXX XXXX was made on XX/XX/2025, XXXX XXXX was contacted XX/XX/2025 via phone, I spoke with a representation ( XXXX ) who was unable to send any confirmation or documentation the credit card application was marked for review of fraudulent activity nor the ability to check the status of my dispute. No information was given about the unauthorized inquiry despite providing SSN, Address, Name and Email Address to the representative. Overall the process left me feeling as though I could not trust XXXX XXXX to handle the issues properly.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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

We are behind on our mortgage payments. Our application is in Loss Mitigation awaiting my hardship letter which I sent last week. I called to pay XXXX $ this morning and Guild would not take it. 
I would like a letter stating why I wasnt allowed to make a partial payment. We are trying to do everything we can to keep our house and not being able to pay was not what we expected from your company who states they try to keep people in their homes.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and inaccurate information.
Product: Debt collection

I submitted a complaint to you to you to notify you that I have been a victim of identity theft. I want to make sure that you have received my dispute and Im calling to follow up to ensure that this is deleted.
Product: Credit card

I have a balance of {$710.00} from my XXXX XXXX XXXX XXXX from Wayfair. I've contacted Wayfair to see where this charge is coming from and they stated in order to find out exactly where the charge is coming from I would have to pay the credit card minimum balance first. I paid the minimum balance and still got no insight on to why I'm being charged. So now whenever my card bill is due I just pay it off due to the fact that I've had little help from customer support. 
Wayfair directed me to XXXX and, XXXX directed me to Wayfair. 
It seems as if nobody knows exactly who handles what, but they're very eager to receive a payment. 

Product : XXXX XXXX XXXXXXXX XXXX  Subtotal : {$970.00} Order Number : XXXX XXXX Returned On : XX/XX/2023 I've already paid {$480.00} for the delivery fee after the cancelation
Product: Credit reporting or other personal consumer reports

Experian has made it very hard to not only check if there is currently a freeze on your account but also how to temporarily unfreeze while applying for credit. That link to check the freeze status or to unfreeze is hidden as a tiny link inside the web page for their paid product. 

This is in sharp contrast to the other 2 agencies where it is relatively straight forward to check your freeze status and to locate the link to unfreeze the account.

In addition the minute you log into your Experian account they directly take you to a page where you are end up applying for their paid service. You have to careful what you do there else you'd inadvertently sign-up for their pair service. They are trying to defraud unsuspecting people to sign-in for their service. This, too, is in contrast to the other two agencies.
Product: Credit card or prepaid card

Hi there, The transaction was happened on XX/XX/2021, the purchased was on XXXX XXXX XXXX  and the ONLY payment method is PayPal. My wife ask me to purchase a 1 x XXXX XXXX XXXX XXXX - XXXX  ( a81 ) = {$89.00} but when I checkout via PayPal I realize it is totally a FRAUD website cuz the payee called and the email associated with this person on PayPal is XXXX. This definitely not the REAL XXXX. 

I already try to send an email to them but it turns out the email doesn't exist : ) The funny thing is I filed a dispute on PayPal and the payee provide a USPS tracking to prove they did send something to me then PayPal denied my dispute. What a joke. 

1. The tracking number is XXXX and you told me a Stroller can be delivered in a mailbox????????? I even didn't receive anything at all. 

2. I already provide the information to you, it is very very very clear that this payee create a phishing website and you still continue to allow this payee to got pay via PayPal? shame one you.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX office agreed not to charge me for lab after I told them no need for lab work since I did it recently. I just need to adjust my XXXX a little bit. Lab or testing is not needed. But they told we will the test and will not charge you. Then it took hours waiting time. Until I gave up and told them I have to leave to go back to work. Then I called to reschedule the appt again. They refused. Then I guess they are not happy that I left after wasting my time few hours waiting. Now they send {$60.00} to collection. Its rude to charge me for something I didnt ask for or agreed to be charged. They are just angry for no reason. Its like playing games. They sent it to a collection agency trying to aggravate me. I am very aggregated and very angry since they are playing games with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries that were placed without any of my consent. I am a natural person. I have attached FTC Report. The company is violation of the consumer law. I need to be deleted from my consumer report immediately.
Product: Payday loan, title loan, or personal loan

In Mid XX/XX/2023, I have set up a personal loan with Discover Personal Loan Recovery Team. I made a payment before XX/XX/2023 and on XX/XX/2023. The account supposed to be settle in full. I spoke to XXXX XXXX XXXX in the Recovery department stating be Paid in Full on credit reporting agencies. Also, I never received a copy of the account being satisfied for the settlement agreement. I would like a copy of the account being settle in full on company letterhead. The agreement should stated the account won't be sell to another debt buyer. 


Also, I received email stating my address isn't correct. Which is correct. The address is part of the XXXX XXXX XXXX program. My address is confidential per the law. Failure to honor that will result in legal liabilities for Discover Personal Loan if its made public. You can send my documents by email per our agreement when the settlement was established. XXXX or XXXX promise it be email and it hasn't.
Product: Mortgage

To whom it may concern, I have been with Rushmore loan management since XX/XX/2018. I have tried to modify my loan numerous times. I have always been denied. I know I am extremely past due and I have tried everything in my power to get back on track. Unfortunately, I am just too far behind. I have exhausted all of my Covid forbearance options. I was advised I can't extend it. I contacted numerous housing and urban development to try to assist me with Mortgage Delinquency and Default Resolution Counseling.I have not heard back from any institutions. I reached out to the XXXX XXXX neighborhood housing services Inc. agency ID number XXXX. I reached out to XXXX XXXX and XXXX XXXX XXXX XXXX ID XXXX just to name a few. I reached out to numerous others in my area and Im not sure if it is because of Covid that nobody answers the phone, but its always machines stating somebody would get back to me. I have plenty of equity in my property so my last resort and last option is now to obtain a private money loan. I can not get a regularloan due to my credit and delinquency, and I held off on private money because the rates are higher than normal loans. I currently already have a 6.7 %. Because of the numerous amounts of equity I have, I qualify for a rate of 9.99 % Right now, the only issue is my current foreclosure sale date that is scheduled for XX/XX/XXXX. I did call Rushmore and advised them that I am going to be refinancing and pay them off entirely. Today I spoke to a supervisor and advised them as well. At this time I am asking/begging for a loan extension. Rushmore stated that there is nothing left for me to do other than to pay them in full which is exactly what I am trying to do. Please see the attached document showing I have been approved and we have indeed already started this process. Rushmore can confirm that I indeed have requested a payoff demand. These private money loans close extremely fast as they do not have the same specifications as a regular loan. However I was advised I would need a sale date extension. I am begging you to please allow me to pay this loan off/give me a little bit more time to close this loan. I am waiting for the Rushmore loan management payoff demand as well as a few others. Escrow has already gotten to work and as long as we get this extension, I will pay all parties in full within the next 30 days.My house is worth XXXX. Please let me utilize this last option to save my home.Thank You
Product: Credit reporting or other personal consumer reports

Equifax is maintaining an unauthorized hard inquiry on my report from XX/XX/2022 that was not authorized by me, or attached to any of my open accounts. According to the Fair Credit Reporting Act, legally, this unauthorized and unverified item MUST BE REMOVED. I am submitting my complaint here as well as sending the dispute to Equifax via certified mail.
Product: Checking or savings account

To Whom It May Concern : I am writing to urgently address an unresolved issue concerning the XXXX XXXX XXXX XXXX XXXX XXXX business checking account ( ending in XXXX ). This matter, which originated from a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), has caused significant disruption to my business operations and has delayed funeral arrangements for XXXX XXXX, whose family is unable to proceed with services. 

Despite my efforts to follow the guidance provided by Chase representatives, there remains a lack of clarity and resolution regarding the handling of sensitive documents I submitted at your request. 

Summary of Events 1. Request for Documentation : Following the CFPB complaint, Chase executives asked me to submit unspecified documents and contact the Business Fraud Team. 
2. Challenges with Communication : When I contacted the Fraud Team at XXXX ( XXXX ) XXXX, I was directed to submit the documents to a local branch, where they would be forwarded to Chases Legal Department. 
3. Branch Submission : On Friday, XX/XX/year>, I submitted highly sensitive documents at the local Chase branch managed by XXXX XXXX XXXX ( XXXX ID : XXXX ). I was informed they would be processed within XXXX hours by a fraud team member. 
4. Current Status : As of XX/XX/year>, no documentation has been scanned into my account, and no one can confirm the documents current location. A supervisor from the Restriction Escalation Team, XXXX, indicated that XXXX XXXX did not follow the correct process. 

Concerns Mishandling of Sensitive Documents : The submitted documents, containing vital statistics information, appear to have been misplaced or delayed, raising serious concerns about confidentiality and security. 
Conflicting Information : XXXX assertion that the branch manager did not follow the proper procedure contradicts earlier guidance I received, further delaying resolution. 
Business Disruption : This delay has negatively impacted my business, preventing the XXXX XXXX  from moving forward with funeral services and damaging my businesss reputation. 


Thank you for your attention and prompt resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has compromised my credit rating by allowing negative information to remain in my credit pull profile.
Product: Debt collection

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Re : XXXX XXXXXXXX Dear lvnv llc I am writing in response to your recent communication regarding the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, I am requesting that you provide me with validation of the debt in question. I dispute the validity of this debt and request that you provide the following information : 1. Verification of the amount of the debt, including a detailed breakdown of all charges and fees. 2. Verification that you are licensed to collect debts in my state.

3. Proof of ownership or assignment of the debt, including documentation showing that you have the legal right to collect on this debt.

4. A complete payment history, detailing all payments made and any credits applied to the account.

5. A copy of the original signed agreement or contract, if applicable, that establishes my obligation to pay this debt. 

Please note that my request is not an acknowledgment of the debts validity. I am simply exercising my rights under the FDCPA to obtain verification and validation of the debt. Until such time as you provide the requested information, I am requesting that you cease all collection efforts and refrain from contacting me regarding this matter. 

Please provide the requested information within 30 days of your receipt of this letter. Failure to do so will result in my assumption that this debt is not valid, and I will take appropriate action to protect my rights. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a collection report that says opened XX/XX/23 for the amount of {$100.00} even for XXXX XXXX. I called XXXX who bought XXXX and they advised that when i closed my XXXX  account 4-5 years ago i had no balance due. after doing a quick search on XXXX  i see that hundreds of other people have had this show up on their collections report in the last 20 days, a lot of the people state they havent had the service for 10 + years. XXXX is not even in my business anymore and the new owner XXXX states that i should not have a collections account. The reporting agency is Jefferson Capital System which I have also seen people claiming is a scam. I reported this to XXXX XXXX and need it removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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 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 card or prepaid card

I opened an XXXX XXXX credit card throughXX/XX/XXXX over a year ago and have been making payments regularly. The company was bought out and I was recently charged over {$1300.00} for nothing, it is listed as a promotional fee in the transaction history. I have not used this card in over a year and this charge is not listed in my agreement, it is straight up fraud. I attempted to contact XXXX and there was no response. XXXX in the past has made mistakes with my account and has adamantly refused to correct the issues, although I did not take action because the fees were negligible.
Product: Credit reporting or other personal consumer reports

My Name is XXXX XXXX XXXX and I am a Victim of Identity Theft. I have a Credit card from XXXX XXXX on my Credit File that I did not apply for, approve, nor did I authorize this card to be applied for in my name. Please delete this card off of my Credit File. I have two police reports filed and sent to each Credit Bureau showing my Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX Account Number : XXXX Update this account to paid as agreed/never late because I paid on time. 

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).