23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

experian is reporting XXXX XXXX XXXXe on my credit report without verifying or investigating information. who are experian working for if they can just put wrong information on people credit when they feel like it. 
XXXX is XXXX XXXX XXXX and exprian reported that they Last Reported : XX/XX/XXXX on this date meaning they investigated to see if was true as well. 

XXXX XXXX sent me a copy of someone record of a car they sold but this doesnt look like me or what i have done. 

XXXX XXXXXXXX is reporting through experian that Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX according to XXXX XXXX their information has another date of last activity. 

XXXX XXXXXXXX says from the attached information they sent through cfpb that the date of last activity was NOT XX/XX/XXXX and was NOT date of last payment XX/XX/XXXX they are re-aging the account and experian has said they verified this but as you see this information is wrong.
Product: Money transfer, virtual currency, or money service

PayPal recently reviewed their terms of service. They have locked accounts that do not have Social Security Numbers assigned to them. They will not allow the accounts to receive money and more importantly will not allow the account to remove the funds already in the account nor will they allow the user to delete the account without the account holder giving them their SSN. They are holding personal information hostage in exchange for SSN 's. If Paypal requires the information for doing business in the future that is fine however you should be able to delete your account to protect your personal information.
Product: Credit reporting or other personal consumer reports

Account Details : Creditor : XXXX  Account Number : XXXX This account has undergone multiple transfers of ownership, leading to confusion and, ultimately, the initiation of legal action against me by XXXX & XXXX XXXX XXXX However, I would like to bring to your attention that the case ( XXXX XXXX XXXX Case No : XXXX ) was dismissed with prejudice on XX/XX/2024. The dismissal indicates that no evidence was found to establish my ownership of the alleged debt. 

Given the legal resolution and dismissal with prejudice, I insist that XXXX immediately removes this account from my credit report. The lack of evidence supporting my responsibility for the debt is a clear indication that the reporting is inaccurate, misleading, and harmful to my creditworthiness. I kindly request that XXXX conducts a thorough review of the documents uploaded, it verifies the dismissal of the case with prejudice, and promptly removes all associated negative information from my credit report.
Product: Debt collection

XXXX XXXX XXXX By : Senators XXXX of the XXXX, XXXX of the XXXX, XXXX of the XXXX, XXXX of the XXXX, XXXX of the XXXX and others AS PASSED SENATE A BILL TO BE 7 BE IT ENACTED BY THE GENERAL ASSEMBLY OF GEORGIA : 1 To amend Chapter 1 of Title 10 of the Official Code of Georgia Annotated, relating to selling 2 and other trade practices, so as to provide for certain disclosures by third-party high-volume 3 sellers of consumer products on online marketplaces ; to provide for definitions ; to require 4 online marketplaces to provide certain notifications and a consumer reporting mechanism ; 5 to provide for civil remedies ; to provide for a short title ; to provide for related matters ; to 6 provide for an effective date ; to repeal conflicting laws ; and for other purposes. I have never acquired debt with the following/ Have never received a call or letter from agency @ this time they are presented violation of the bill passed and FDCPA OF 1973 XXXX XXXX-XXXX XXXX XXXX {$2200.00} WAS BOUGHT TO MY ATTENTION AFTER RECEIVING A FREE CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX paid as agreed to whom debt belongs to purchase and reported on credit without my knowledge or consent reported to credit in error SECTION 1. 9 This Act shall be known and may be cited as the " Inform Consumers Act. '' Nothing about the reporting of these accounts are FAIR and ACCURATE! I do not have faith in the vital role you have in assembling my consumer report due to your willful noncompliance and negligence.
Product: Credit card or prepaid card

On XX/XX/XXXX, I bought a bed through XXXX XXXX  with Synchrony Bank credit card. Because the bed was {$7000.00}, and the credit card had a XXXX limit my credit card score decreased. Through the past year I have made all my payments on time and the balance has gone done. As the balance has gone done my credit score has slowly raised as congruent with the Debt to Credit Limit factor. In XX/XX/XXXX, Synchrony Bank decided to decrease my credit limit on the cards which has a direct effect of my Debt to Credit Limit for my credit score. This will directly effect my score and lower it even though I have made payments on time and am not behind. This is unfair and hurts consumers. Synchrony will not do anything about it even though they say they are in compliance with the law. This part of the law is hurting people.
Product: Credit reporting or other personal consumer reports

To Whom it may concern : Please remove any and all unauthorized inquiries from my reports as I have no knowledge of ever filing any of these inquiries or giving anyone, company, or corporation permission to report anything to my report or was privy to any of these filings I filled an Identify thief report # XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX  Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX., XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Thanks,
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I see that there are some inaccuracies on my open auto loan with XXXX XXXX XXXX. My account number is XXXX. I have reached out and mailed a letter to XXXX XXXX XXXX on numerous occasions requesting that they update my account to paid as agreed based on the terms of my repayment plan. When starting the repayment plan, I was told that there would not be any late payment reporting to my account and that I would only incur interest fees and late charges, but the account would be marked as current as long as I pay based on the terms of the repayment plan. The letter was sent multiple times, and nothing has been done so now I am requesting that XXXX, XXXX and Transunion mark the listed account as paid as agreed or current due to this inaccurate reporting. Below is the letter that was sent to the creditor and to date nothing has been corrected. Also attached is a screenshot of the inaccurate reporting showing the payment history as late when it should be reporting as pays as agreed or current starting XX/XX/year> to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I sent in letters to the credit reporting agencies, called over the phone and finally was able to reach a representative for both XXXX and Transunion and tried as best I could to state my claims. Firstly these rep, helpful might I add but they both said they were not stationed in the United States nor could they locate the letters I send it. I'd like for a resolution. Please help me.
Product: Checking or savings account

XX/XX/scrub>/2025 at around XXXX my money was retained by the ATM in the amount of {$420.00}. A message popped up saying that my cash was retained as a safeguard and to call the given number. I gave Wells Fargo a call later that day and a claim was opened. On XX/XX/year>2025 temporary credit was allocated to my account. As of XX/XX/year>2025 they closed the claim concluding that it wasnt in error which is confusing because I literally have the picture of the aftermath.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccuracies on my credit report to experian multiple times over the past year including in writing in XX/XX/XXXX, as well as electronically. XX/XX/XXXX I received dispute results Report # XXXX. Items stated as deleted are still showing on my credit report as of XX/XX/XXXX. 
XXXX XXXX acct # XXXX XXXX was not my responsibility, and after self research I found this account to be closed, with a XXXX balance yet is showing on my report causing me financial detriment. I am requesting all items in collection be removed as they are not mine, nor has Experian provided any validation information on said accounts as requested. I also requested the removal of many hard inquiries not authorized by myself. 

Your kind and prompt attention is greatly appreciated. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested a security freeze to be placed on my LexisNexis XXXX REPORT and for them to send documentation showing/proving that they have completed my request. I have not received any documentation showing that my request was fulfilled nor has my freeze been placed on my report.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hi, I received this debt collection e-mail in error. Given the address they have on file and the debt they are trying to collect, this collection agency has me confused with someone else. 

However, Im primarily concerned that this is a phishing attempt. 

Thanks and regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$350000.00} ; XXXX XXXX  XXXX Balance Owed : {$680.00}
Product: Credit reporting or other personal consumer reports

On XXXX  I received emails from U S. DEPT OF EDUCATION informing me that my BURROW DEFENSE CASES HAVE BEEN APPROVED. Sweet vs. CARDONA case lawsuit. Pursuant to the SWEET settlement the DEPARTMENT OF EDUCATION are to discharge all federal student loans. On XX/XX/XXXX  I received a letter directly from ED FINANCIAL SERVICES VERIFYING THAT THEY HAVE 100 % DISCHARGED MY LOANS. MY ACCOUNT # IS XXXX. 
PLEASE CALL XXXX. 
VERIFY THE ABOVE INFORMATION AND FOLLOW THE LAW AND DELETE ALL STUDENT LOANS FROM MY CREDIT FILE
Product: Debt collection

Subject : Dispute of Unauthorized Collection Account Dear XXXX, I am writing to formally dispute a collection account that appears on my credit report in error. The account in question does not belong to me, and I am requesting its immediate investigation and removal in accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. 

Details of the Disputed Account : Creditor/Collection Agency Name : SUNRISE CREDIT SERVICE Account XXXX Amount : XXXX Date Reported : XX/XX/year> This account is not mine, and I am requesting verification of its accuracy. Under FCRA 1681i, the credit bureau is required to investigate and remove any inaccurate, unverified, or fraudulent information. If the creditor or collection agency can not provide sufficient evidence that this account is valid and belongs to me, it must be deleted from my report. 

I have attached a copy of my government-issued ID and proof of address to assist in verifying my identity. 

Thank you for your prompt attention to this matter. Please confirm receipt of my dispute and inform me of any further steps required.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian- is reporting the wrong name on my report, I have sent out several certified letters ( for them to investigate and mail me back findings. I not received any response nor have they removed this information. They are reporting a name that is not mine and I have never had account open in this name. They also reporting unauthorized inquiries on my report which i asked to investigate but they referred me to dispute with CFPB. I also want an investigate on collection and mail back findings. 

XXXX keeps reporting a medical debt in collection that I asked to be investigated and is under {$500.00} which from my understand medical debt can not be reported under {$500.00}. Investigate investigate all unauthorized inquiries and investigate collection and mail back findings. 

XXXX investigate all unauthorized inquiries and nvestigate on collection and mail back findings.
Product: Consumer Loan

The agent who called, identified herself as a collections agent from Portfolio Recovery, and proceeded to release information about a debt I allegedly still owe, to a person who clearly identified themselves as not me. This is a violation of FDCPA, and CFPB. They are also trying to collect on a debt that is more that 10 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all XXXX XXXX is NOT even licensed in Florida as a collection agency. They are illegally attempting to collect an alleged debt, which is a major violation of my consumer rights. I have attached the list of XXXX licensing where FLORIDA is NOT listed. 

XXXX XXXX also lost a class action settlement by using unlawful collection lawsuits in Illinois. They manage purchased accounts and collect alleged debts. They continue to violate debt collection laws XXXX Funding has failed to comply with the Gramm Leech Biley Act 15 USC 6802. They never gave me the ability to opt out and used my information without my permission, which is identity theft. 

There was also no Permissible purpose for this Account # XXXX to be listed on my credit report. Both permissible purpose law ( 15usc1681b ( A ) ( 2 ) and the GLBA have been violated and it is identity theft. 

According to 18 USC 1028 ( a ) ( 7 ), it defines identity theft which is just someone possessing, transferring or using a means of identification of another person unlawfully. This is what took place. 

TransUnion, XXXX, XXXX and XXXX XXXX " regularly engage in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

These companies have all violated either of the two which both constitute identify theft. 

I have contacted the Attorney General 's Office, XXXX  and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I demand Account # XXXX to be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.
Product: Debt collection

Credit Collection Services does not have a current Agent for Service of Process on file with the state of California. When I called Credit Collection Services to ascertain the new agent for service of process, no employee provided the information.
Product: Money transfer, virtual currency, or money service

Im am filing a complaint against Cash app ( Block , Inc ), due to inadequate customer service and unfair practices which violates consumer financial protection act ( CFPA ). specifically Cash App failed to take timely and effective measurements to prevent and address fraud on their platform, leaving my account unprotected, and vulnerable. furthermore, their resolution dispute 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

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX. 

5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

6. XXXX  XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Credit card

I have been a costumer with best buy for many years lately I have noticed that even buy doubling my minimum payment the balance did no budge much I went to take a look at where my interest rate was and I found out the interest rate was no were to be found on the credit card website all what is shown is my minimum payment and the balance. I called Citi as they are the ones who issue the best buy credit card, they told me that my interest rate was in the statement if i chose to download it. After I downloaded the statement I found out to my surprise that my interest rate was not there either. 
I am at this point assuming that the Interest rate is not made obvious to keep the customer unaware of the outrageous 25 % + .. interest rate. 
I do n't believe that this practice is ethical I always chose to be on paperless billing, for personal reasons but I do n't think that Citi should keep there costumers unaware just because they chose to bank online. 
I take full responsibility for not being aware of the interest rate, but I hold Citi responsible too for not making it obvious when I login to my account. 
The least that should take place is for citi to make the interest rate as obvious to see as the minimum payment and balance. 

I am also attaching the statements I downloaded in three formats that were available. 

Thank you
Product: Credit reporting or other personal consumer reports

I acknowledge the partial removal of fraudulent items from my credit file, originating from alleged fraudulent activities, yet several entries remain that necessitate deletion. As a victim of fraudulent activity, I am submitting an additional request for the removal of these items in compliance with FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the elimination of such entries no later than four business days following XX/XX/XXXX. This issue has been previously highlighted in my correspondence and FTC report, now reinforced with a new FTC Report # XXXX. The details of the items still listed, which are unfamiliar to me and have been expunged by other bureaus, raise concerns regarding their validity. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXXXXXX XXXX XXXX XXXX XXXX, KY XXXX. This communication serves as a formal notice and complaint. Failure to remove the aforementioned items will compel me to pursue legal action. My legal counsel has been informed of these intentions and is prepared to address your noncompliance through litigation. This notice is issued as a new request for the deletion of entries stemming from alleged fraudulent activity.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding fraudulent activity on my credit report. After researching, I found that I need to file an identity theft report with the Federal Trade Commission ( FTC ) at XXXX : XXXX. According to FCRA XXXX XXXX, XXXX XXXX XXXX are required to remove any items listed on an identity theft report with reference number XXXX. Attached are the documents to assist in removing the erroneous personal information and inquiries posted to my report. The items opened without my permission are listed below : XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$35000.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$XXXX} XXXX XXXX Date opened : XX/XX/XXXX Balance : {$XXXX} XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$XXXX} XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : - XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$XXXX} CALIFORNIA XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ==============EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX XXXX Date XXXX : XXXX XXXX, XXXX Balance : {$XXXX} XXXX XXXX - XXXX BANK XXXX Date opened : XX/XX/XXXX Balance : {$XXXX} XXXX BANK XXXX Date opened : XX/XX/XXXX Balance : {$XXXX} COLLECTION CONSULTANTS ( Original creditor : BIG BEAR FIRE AUTHORITY ) XXXX Balance XXXX {$XXXX} XXXX : XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$XXXX} XXXX BANK XXXX XXXX Date opened : XX/XX/XXXX Balance : {$XXXX} XXXX XXXX Date opened : XX/XX/XXXX Balance : {$XXXX} XXXX XXXX Date opened : XX/XX/XXXX XXXX XXXX {$XXXX  XXXX CONSULT ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$XXXX} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  ) XXXX Balance : {$XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. Under FCRA Section XXXX ( a ), XXXX XXXX XXXX must remove any items identified as resulting from identity theft within XXXX business days of receiving the report.
Product: Credit reporting or other personal consumer reports

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. XXXX ) 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. I have disputed several accounts with no resolution whatsoever