23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally lodge a complaint against XXXX XXXX XXXX and their client, CapitalOne, due to their failure to adhere to standard practices in providing monthly statements, payment receipts, and timely updates to credit bureaus regarding a business debt that I should not have provided a personal guarantee. 

Despite my consistent efforts to stay informed about my debt and make timely payments, XXXX XXXX XXXX and CapitalOne have not provided me with the necessary monthly statements. This lack of communication has made it extremely challenging for me to keep track of my payments and outstanding balance. Since XXXX, I have only received one monthly statement, XX/XX/XXXX, when several notices were sent to XXXX credit bureau due to inaccurate information on my credit report. 

Additionally, I have repeatedly requested payment receipts for the payments I have made. However, these requests have been ignored, leaving me without proper documentation of my payments. This lack of transparency is unacceptable and has caused significant stress and confusion. It is believed that XXXX XXXX, and their client, Capital One, has processed payments but not credited the appropriate account. 

Furthermore, XXXX XXXX XXXX and CapitalOne have failed to update the status of my debt with the credit bureaus in a timely fashion. As a result, my credit report does not accurately reflect my current debt status, which has negatively impacted my credit score and financial standing. My credit report also does not indicate that this was a business debt with a personal guarantee. 

I have attempted to resolve these issues directly with XXXX XXXX XXXX and CapitalOne to no avail. Therefore, I am seeking your assistance in addressing these concerns and ensuring that XXXX XXXX XXXX and CapitalOne comply with the necessary regulations and provide the required documentation and updates.

I appreciate your attention to this matter and look forward to a prompt resolution.
Product: Debt collection

This company is reporting illegal information on my credit report I contacted them 30 days ago and serveral other times and got no response.also under the hipaa Privacy act they can't have access to my personal medical records that's against the law and they can't provide me with information about this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple requests but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 
XXXX XXXX Balance {$16000.00} XXXX XXXX XXXX Balance {$14000.00} XXXX XXXX Balance {$0.00} XXXX XXXX Inquired on XX/XX/2XXXX XXXX
Product: Debt collection

Letter Sent to my Mom 's Address, not MY address from JEFFERSON CAPITAL SERVICES LLC. stating I owe XXXX XXXX XXXX, which I have no Idea where this debt is coming from in the amount of {$1000.00}. I attempted to call the company JEFFERSON CAPITAL SERVICES they stated they are a debt collector asked me to verify address, however, since the letter was sent to wrong address I don't trust they have the correct person. I asked to verify debt with original copy of contract, they stated they need to verify account. I refuse to release any personal information to this creditor as they can not validate debt. This creditor JEFFERSON CAPITAL does not appear on my credit report and is in violation.
Product: Credit reporting or other personal consumer reports

Im filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. The practice violates the Fair credit reporting act ( fFCRA ) ,15 USC 1681i which mandates a reasonable investigation of disputes. Please delete that disputed information within required timeline of 30 days as set forth per FCRA which is federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT, and I'm including these again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is a inquiry on my credit report from XXXX XXXX XXXX that i do not recognize, that i did not apply for, that was made in my name without my knowledge or consent.
Product: Debt collection

The alleged is being reported by XXXXXXXX XXXX XXXX XXXXXXXX XXXX claiming that I owe a balance of {$440.00}. The policy was paid 6 months in advance and was terminated 2 weeks prior to the end date. Im in fact owed money. I also stated this to my insurance company. Im requesting a full description of the procedure of reinvestigation once completed. I demand that this negative mark be removed from my credit report immediately.
Product: Debt collection

Some rented an apartment using my information. Spoke with the property in question and the agency seeking to collect this debt. Based on the information given I was not in that apartment on XX/XX/2015 but was at work Im Connecticut. This debt keeps accruing interests. I have disputed this account numerous times and even offered to pay 25-50 % just the get this off my credit file. They are asking me to settle for 80 %. I have no business dealings with this company.
Product: Bank account or service

I received a check for {$300.00} for a painting I sold to a lawyer. The check was from Union Bank, so I went to go cash the check at a Union Bank. Since I also bank with Union Bank, I know they will cash checks from their bank for {$5.00} fee. I did NOT want him to have my account numbers, so I did n't want to deposit the check in my Union Bank account, or use my ATM card to cash the check with. Everyone at the branch was very rude and refused to cash my check unless I showed them my ATM card. I pulled out my cellphone to record a video of how they were acting and how they were treating me. As soon as I started recording it, they complied and cashed my check with XXXX other forms of ID and took out the {$5.00} fee. 2 weeks later I receive a certified letter from Union Bank stating that because of what happened, they are going to close my account. The check was fine, so how are they allowed to do this?
Product: Debt collection

ACCOUNT ON CREDIT WERE FRAUDELANT REPORTED AND INFORMATION WAS INACCURATE AND DEFINITELY NOT TRUE WHATS BEING REPORTED ON MY CREDIT. I DISPUTE THE VALIDITY OF THESE XXXX  AND ASKING ACCORDING TO SECTION 1681i 15US Code 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting fraudulent items on my credit report. The items are Professional Debt, XXXX XXXX XXXX, and XXXX.
Product: Debt collection

I, XXXX XXXX XXXX, am submitting this on my own behalf. 

Midlands Funding does not have my permission to contact me or use my information. This is my final notification to this company after repeated privacy violations. Additionally, this company has been notified via mail that the debts they are attempting to collect do not belong to me. This company has enough complaints that I assume that they are habitual rights violators. 

Starting with 15 USC 1692, this company has sent repeated notices stating they are collecting a debt : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and I demand that this company remove this information from my credit report, delete any of my personal data and only communicate with me to confirm that this has been removed from my reports. I do not owe this company anything and this debt is UNVALIDATED. 

XXXX XXXX XXXX XXXX This company does not have permission to communicate with anyone using my personal information, including the credit reporting agencies, I do not owe Midlands Funding. Delete this information from my reports. I have been a victim of identity theft in the past and this company using my information is no different. Stop harassing me and stop the calls.
Product: Bank account or service

I applied for a Citibank Checking Account based on an offer advertised on their website offering a {$400.00} bonus if I maintained a certain minimum balance. I applied in XX/XX/2016 and file number assigned by Citibank was XXXX I was denied a checking account by Citibank and they sent a letter to that effect. My complaint is regarding this letter since it did not provide any specific adverse action reason to why my application to open a checking account was denied. I have attached the letter as evidence. I have a perfect credit history with no late payments ever and I already have existing credit card relationships with Citibank in perfect standing. I would like to understand why was I denied for a checking account and why was I not given an opportunity to clarify or dispute any information that was missing or derogatory leading to the bank 's adverse decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX Account number XXXX Account number XXXX Account number XXXX account number - XXXX Has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 604 a section 2, also states a consumer Reporting agency Can not Furnish your account without my written instructions
Product: Consumer Loan

I was sent a statement from my car loan company after an accident ( XXXX XXXX ) and subsequent payoff that I was cleared of payments till XXXX XXXX. A few months later they started sending me bills again. They stated that it was an error on their part and I should have been getting charged the whole time because the insurance did n't cover the whole cost of what was owed on the car. They originally applied the amount my insurance paid them to my bills which covered " x '' amounts of payments leaving me cleared till XXXX. They then decided I was to either pay them the remaining amount or continue with my regularly monthly payments. In the mean time I sourced a new vehicle based on my budget and the statement that they gave me stated I was cleared till XXXX. I complied and started making the payments on XXXX vehicles now even though I felt this was unfair practice. I had a rough month and made a late payment on the last day possible via their statement. Their policy says if the payment is submitted before XXXX it would be counted as that day, I made it @ XXXX which means I was clear. They then posted to my credit report that I was over 30 days past due, based on the fact that it was due XX/XX/XXXX and they did n't receive it till XX/XX/XXXX. I talked to them on the phone, they refused to admit their error until I persisted and gave them my confirmation number proving my case. They still have yet to work with me or offer to pull the hit on my credit report. Multiple times I feel I was treated unfairly by XXXX XXXX and I attempted to work with them and they would not even make the correction after admitting their own error
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Checking or savings account

I have a BMO checking account with available balance of {$6000.00} and made a bill payment on XXXX next day on XX/XX/2025 I deposited a {$2900.00} check from a body shop into my account and BMO restricted my account reversing the bill payment I made to XXXX XXXX XXXX I called BMO and asked them why they restricted my account and they told me because of fraud. When asked about more details I was told it was because of the check I depoisted on XX/XX/2025. I deposited an absolutely legit check into my account which was over payment for the my car accident paymnt which I paid but the body shopy bought a used frontlight instead of a new one thus refunded my money to me. 
In the mean time XXXX XXXX XXXX credit card received my payment and since it was reversed even though I had money in my account without adding the {$2900.00} check they decided to close my account for a returned payment. I asked XXXX XXXX XXXX to give me a chance and fix the problem by communicating with BMO and also requesting your assistance as BMO could just place a hold on the deposited check and verify it validity or any fraud related questions, instead they decided to cause harm to me without any reason. I tried to explain this o them multiple times but they prefer to hang up the phone on mw when I threteaned to complain to CFPB. The check was cleared by the issuer 's bank the same day without any complications.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I have accounts on my credit report. 

XXXX. XXXX XXXX {$180.00} XXXXXXXX XXXX XXXX XXXX {$210.00} XXXX. XXXX XXXX XXXX {$350.00}
Product: Vehicle loan or lease

On XX/XX/2018 when I purchanced a XXXX XXXX XXXX XXXX XXXX # XXXX ) from XXXX XXXX XXXX XXXX XXXX for the amount of {$24000.00} It's financed through Westlake FIncancial Services. I was given ( 2 ) contacts with different amounts {$24000.00} with a down payment of {$3500.00}. After pulling out the lot I noticed the check engine light on I immediately turned around and informed XXXX XXXX ( the General Mgr ) of this, I was informed to bring the car back in the morning and it will be fixed because the repair shop was already closed. There was nothing done the next morning and after returning several times and emails and talking to XXXX saying I have to take it to the dealer because they can't fix it. Only getting frustrated I explained to XXXX XXXX, XXXX and XXXX ( whom she brought out the 2nd contact with my signature forged ). I told them on several occasions that the car was not safe. I took it to a certified shop only to find out that the car have over {$10000.00} worth of damages.In that report this car has been in an accident with front end damage and has been rigged to appear as if the car is repaired. I was sold a lemon and this same car with the same vin number has been financed through Westlake Financial Services.
Product: Money transfer, virtual currency, or money service

I saw an ad on XXXX on XX/XX/2018 for 3 tickets to the XXXX XXXX vs XXXX XXXX game that evening in XXXX, Arizona. I contacted the owner through text ( screen shots attached ) at XXXX and through texting, the seller sent me a screen shot of the tickets via XXXX  ( also attached ). The price of {$250.00} was agreed upon for these 3 tickets, and the seller indicated that they could only receive money via the XXXX app. I downloaded the app and proceeded to transfer {$250.00} out of my USAA checking account through their platform of the XXXX app, using the name and email address that the seller provided. XXXX XXXX with email address of XXXX. I transferred this money with the agreement that the tickets would be sent to my XXXX account and thought that since I was transferring this money from a federally insured bank, that I had fraud coverage. After transferring this money I never received the tickets and never got a response back from the seller. I filed a dispute with USAA and was later sent a letter ( attached ) that indicated they were not liable. I also contacted XXXX on XX/XX/XXXX after realizing I had been scammed and they also indicated that they could not do anything except tell me that the money had been transferred from my account to a XXXX XXXX account. I contacted USAA after finding out this bank transfer information and asked them to hold the transfer or at least contact XXXX XXXX and have them hold the money which they said they could not do.
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 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( 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 recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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 noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and XXXX XXXX XXXX XXXXXXXX to have the inquiry removed from my XXXX  account on. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021, XXXX, XX/XX/2021
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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, XXXXXXXX XXXX  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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

Below are two messages that were left by this company on XXXX Good morning XXXX my name is XXXX XXXX. I'm with XXXX XXXX XXXX XXXX unfortunately sir serving you final legal notice XXXX as a result of your dock appliance we have conducted an in-depth investigation into your case and finances. It is our intentions to commence and prosecutor pro tractor lawsuit in the courts seeking compensation and punitive damages awarded both by Yes XXXX XXXX this is XXXX XXXX I just got finished speaking with you XXXX XXXX please give me a contact call so I go over a deposition with you real fast to see what you would like to do it if if that's something you don't want to do please have your attorney give me a call as soon as possible. If you don't mind. Good day sir.