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

i have requested the following companies to furnish any contracts and proof that of responsible party to obtain credit under my identity file XXXX XXXX. XXXX XXXX XX/XX/XXXX - {$250.00} XXXX XXXX XXXX $ XXXX {$480.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX- XX/XX/XXXX, XXXX {$640.00} XXXX XXXX XXXX- XXXX {$460.00} XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX- XXXX {$500.00} REOMOVE UNATHORIZED INQUIRES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$640.00} XXXX XXXX  XXXX {$640.00} REMOVE UNAUTHORIZED INQUIRES XXXX  XXXX XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX. XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX {$300.00} UNATHORIZED INQUIRES XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$260.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00}, and XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}.
Product: Credit reporting or other personal consumer reports

I see that there is ( 2 ) Hard Inquiries on my Consumer Report from XXXX XXXX on XX/XX/year> and XX/XX/year> that I didn't authorize nor applied for from XXXXXXXX XXXX and XXXX XXXX. 

Secondly, Also on my report is XXXX XXXX report of a Bank Account Closure Identified as Fraudulent. If I or they closed an unused bank account well then how is that Fraudulent?
Product: Debt collection

The Home Owners ' Association where I live has been sending me demand for fines that I do not owe. I have filed a complaint against those demands in magistrate court, but their attorney, XXXX XXXX XXXX, of Lueder , Larkin & Hunter , LLC has sent me a certified letter on XX/XX/2021 with an amount that is not even in the invoice that the HOA has sent me before and since.

The Law Firm has threatened to sue me if I do not pay this amount. I am already disputing the amount that was in the invoice, but in the demand letter, Lueder, Larkin & Hunter , LLC has misrepresented the amount and the violations for which the amounts they are demanding.

The amount in the invoice the HOA sent me was {$2500.00} plus interest ( which I don't owe ), but the law firm is demanding that I pay {$4600.00}, for violations that aren't mentioned in their invoices.
Product: Debt collection

I have no idea why I have this. I have had insurance and it all should of been covered under it!
Product: Credit reporting or other personal consumer reports

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally submit a complaint regarding my recent experience with the three major credit reporting companies ( Experian, Equifax, and TransUnion ). Despite my efforts to dispute fraudulent accounts and erroneous information on my credit reports, my requests were denied on the basis that the disputed accounts were linked to accounts with a history of payments belonging to me. 

On XX/XX/2025 I sent detailed requests to each credit reporting agency requesting the removal of fraudulent accounts, late payments, false addresses, and false names associated with my credit report. I provided supporting documentation & police reports to demonstrate that these accounts do not belong to me and are the result of identity theft or inaccuracies. 

However, the agencies denied my requests, citing that the accounts were linked to my legitimate accounts. This reasoning is unsatisfactory, as I believe the linked accounts are misrepresented and do not reflect my accurate credit history. I have never consented to these accounts & charges and have taken steps to protect my identity. 

The denial of my dispute has negatively impacted my credit score, and I am concerned about the potential consequences for my financial future. I believe that the credit reporting agencies have not adequately investigated my claims and have failed to uphold their responsibilities under the Fair Credit Reporting Act. 

I kindly request that the CFPB investigate this matter further and assist me in resolving the inaccuracies on my credit report. I appreciate your attention to this serious issue. 

Thank you for your assistance.
Product: Checking or savings account

I am writing regarding my accounts that have been put on hold now since XX/XX/2023. Please be on the lookout for an email from the FDIC. The E-Fraud now has it in their hands, and not only will they not speak to customers they have not responded to the local branch managers email for an update. I do know that they can not just hold onto my money by law. Let me explain my accounts the first one that I was given the account number that is account number # XXXX. This account is an account that not only has my XXXX money, but also my XXXX XXXX money. This money is used to keep us housed and to support my XXXX XXXX. The second checking is an account my school money goes in. 
My savings account is where the questioning should be at as I know it is a large amount of money. Let me explain, I helped with a job, and she deposited money it was in my chime at the time. XXXX never told me that they suspected fraud. When my account was closed the remaining chime mailed me as a check. I then opened the US Bank account and I was not told when I was paying these employees that sending the wire-transfer in payments would make it suspected of fraud. If I would have been told go to the local branch and send it all then I would have. The person who had me sending payments told me that at the time he was an employee of XXXX XXXX. If you need proof of the original person who deposited the large amount in my chime account I have her name, address, and phone number.
Product: Student loan

On XX/XX/2018 I wrote to XXXX XXXX to ask how to ensure that if I were to make additional payments to my accounts that they would be applied to my principal balance and not to my upcoming payments. They responded they traditionally do apply additional payments to upcoming payments and put students in a " paid ahead '' status. I responded that I wanted to opt-out of paid ahead status and to have my additional payments be directly applied to my principal balance. Then I asked how I could ensure my payments were being applied directly to my principal balance and not towards future payments. 
On XX/XX/2018 I was told my account was beginning the process of being removed from paid ahead status and to allow 10 business days for the request to be completed. On XX/XX/2018, after paying more than {$2000.00} towards my account beyond my minimum payment I checked my account and found that I was in " paid ahead '' status. I once again emailed XXXX XXXX and told them the issue and that I not only wanted to be removed from paid ahead status but that I never received an answer as to how to ensure that I would be removed from paid ahead status. I also asked if there were any penalties for paying off my student loans early. 
In response on XX/XX/2018 I received an email stating that XXXX XXXX  was unable to verify my account based on the information provided. I have attached the email chain for reference. Currently, I do not see any indication from XXXX XXXX that I was removed from paid ahead status or that the amount that should have been directly applied to my principal but was instead applied to future payments, has been properly allocated to my principal balance. I also have not received any answer to if there are penalties for paying off student loans early. 
I emailed them back that day letting them know of the discrepancies and that I would be filing a formal complaint.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Sent certified mail letter XXXX DRB LLC Received my letter XXXX DRB LLC Emailing me about the alleged debt owed and offering a settlement XXXX DRB Continues to email me again about the alleged debt owed and offers a settlement. This is negligent and non-compliant, and they will be liable for violation and will intent to sue. 
I have a fraud FTC Affadavit to prove this account is fraud as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, here is attached a letter from XXXX XXXX XXXX Creditor to remove hard inquiry left by wrong from them we TransUnion to remove it XX/XX/2019 hard inquiry to be removed
Product: Debt collection

This debt is no mine. I have told them over the phone several times this debt is not mine. I have asked the company to show me validation of debt. They have shown me none accept my name dob and social are incorrect.
Product: Debt collection

My mortgage company, OCWEN Loan servicing, tried to foreclose after approving me for a modification of my loan. They contacted the bankruptcy court stating they had not received any payments on my behalf when in fact I sent my trial payment for XX/XX/XXXX on XXXX/XXXX/XXXX. I provided their attorney with print outs from their Webb site with payment verification and therefore their attorney had to withdraw his motion. This resulting in my bankruptcy judge approving my modification later on XXXX/XXXX/XXXX. My mortgage company went back and back-dated my payment history in my record showing a motion to relief stay filed on XXXX/XXXX/XXXX. By this date the mortgage company received payment amount $ XXXX.for XX/XX/XXXX from me., {$240.00} from trustee in XX/XX/XXXX, {$240.00} from trustee in XX/XX/XXXX, {$240.00} in XX/XX/XXXX from trustee, and XXXX {$340.00} from me. I spoke with several relationship mgrs for my account whom assured me all payment would be applied to current mortgage. Now their saying I 'm 3 months behind and sent me a reinstate quote, via email. can someone please help.
Product: Credit reporting or other personal consumer reports

XXXX Payments | Goodwill Adjustment for Late Payment Dear Sir/Madam, I hope this letter finds you well. I am writing to request a goodwill adjustment concerning a recent late payment reported by Regional Acceptance Corporation. This is my first goodwill adjustment and this letter is directed both to Regional Acceptance Corporation and to all three major credit bureausExperian, XXXX, and XXXX. 
My name is XXXX XXXX, and my account number with Regional Acceptance Corporation is : XXXX. 

Due to the incorrect communication methods on the account, which resulted in a late payment on my account. 

I want to emphasize that I have since resolved this issue, and my account is now current and in good standing. 
I am currently under contract to purchase my first home, a dream I have been working towards for many years. 

The closing date is scheduled within the next XXXX to XXXX  days, and this recent late payment has significantly impacted my credit score, jeopardizing my ability to secure the mortgage necessary to complete the purchase. 

Starting the week of XX/XX/XXXX, I have made several phone calls to Regional Acceptance Corporation to discuss this matter and request assistance. Despite these efforts, I have not yet been able to resolve this urgent issue. I am reaching out now with a heartfelt request for your understanding and assistance. 
Homeownership has been a lifelong dream, and I am on the verge of achieving it. This dream is not only important to me but also to my family, as it represents stability and a future we can build together. The recent late payment does not reflect my usual payment behavior, as my payment history with Regional Acceptance Corporation has generally been positive. 

Given the current circumstances and my earnest efforts to rectify the situation, I kindly request a goodwill adjustment to remove the late payment notation from my credit report. This adjustment would greatly assist me in securing the mortgage required to close on my home and fulfill this significant milestone in my life. 

Thank you for your time, understanding, and consideration of my request. I sincerely hope that Regional Acceptance Corporation and the credit bureaus can provide the assistance needed to help me achieve my dream of homeownership. 


ATTACHMENTS : Proof of payment Account statements showing current status Contract for home purchase Warm regards, XXXX XXXX XXXX
Product: Debt collection

SWC has exceeded the XXXX. This is not my debt. 

I asked for debt validation, I need for you to remit by certified mail the method of verification for this debt. Statement copies are not acceptable. 

What methods did the XXXX use to verify the account? 

What did SWC send to the Credit Bureaus to verify that the account was accurate and how they validated the debt? 

You sent billing statements with the dates of XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, yet in your response to CFPB you stated this account was sent to you for collection purposes on XX/XX/XXXX .... A copy of a statement is not debt validation. 

Also at the time I had XXXX XXXX XXXX  business class, the bill does not reflect that. Even if the company name changed, it would still be listed as a business class account. 

I also have my contract from my business class account stating the amount to be billed every month as well. 

I have emails with XXXX XXXX, XXXX XXXX XXXXXXXX @ XXXX concerning the billing discrepancy on my account beginning XX/XX/XXXX, ending on XX/XX/XXXX with me cancelling my service due to all the errors on my account, outages, misinformation, promotions being removed from my account, etc .... by XXXX and XXXX. 

How are you sending me statements dated XX/XX/XXXX when I closed the account 2 years prior on XX/XX/XXXX? I have the account closure request email as well esigned by my business account manager at the time, XXXX XXXX. 

My services were changed without a signed contract on XX/XX/XXXX which is a requirement for XXXX XXXX customers which I had in XX/XX/XXXX and I still have my emailed copy of said contract for my records, as it was with XXXX, myself and my employer, XXXX. 

Please cease all collection attempts by any means as this is not a valid debt. 

Please submit documentation to the XXXX 's to have this information removed.
Product: Credit reporting

My Credit Score with Experian dropped XXXX points ( between XX/XX/XXXX and XX/XX/XXXX ) after I paid a credit card balance ( {$240.00} of a $ 3,000+ credit limit ), which was not past due. I called customer service on 5 separate occasions to gain understanding. No one was able to explain why my score dropped. Nor were they able to explain what benefit my monthly paid membership provides to resolve such discrepancies. The only negative marks my credit history are from a late payment in XX/XX/XXXX ( which was paid monthly from XX/XX/XXXX thru final payment in XX/XX/XXXX ). I would like an investigation on the practices of Experian, their lack of disclosure about how scores are calculated and disclosure of the discrepancy from the other XXXX reporting agencies ' scores that reflect positive scores ( stabilized or increased rating ) for positive actions ( payment of balances ). A monthly fee of {$21.00} is supposed to " provide tools to help manage my financial future, '' but no actual tools are provided. The monthly membership seems to be a fraudulent practice preying on consumers attempting to repair or maintain good credit ratings.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX XXXX XXXX XX/XX/2023 - Unauthorized Inquiry According to XXXX XXXX XXXX ( XXXX XXXX the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I discovered inaccuracies on my credit report provided by Equifax. The report listed several accounts that I never authorized and was unfamiliar with. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies such as Equifax have an obligation to provide accurate information and conduct thorough investigations when discrepancies are pointed out. 

Upon finding these inaccuracies, I promptly filed a complaint via the CFPB Complaint Portal, demanding that Equifax investigate these accounts and provide proof of their veracity. In the same complaint, I cited 15 USC 1681-2, which explicitly states that an entity should not furnish inaccurate information to a consumer reporting agency. My intention was to resolve these inaccuracies swiftly, as they were affecting my credit score and could potentially lead to more significant financial issues. 

The disputed accounts included multiple XXXX XXXX  accounts ( with duplicate amounts ), a XXXX  account and a XXXX XXXX XXXX account, amounting to tens of thousands of dollars. 

Equifax responded to my complaint by deleting two accounts from my credit file, which I appreciate. However, the remaining accounts were not addressed adequately. Equifax merely stated that these accounts have been " verified '' without providing any substantial evidence. Furthermore, they did not answer my question regarding their adherence to 15 USC 1681-2, leading me to believe that my rights under consumer law may have been violated.

As of today, Equifax has yet to show any proof from the debt collectors that verifies these disputed accounts. Neither have they shown any steps they took to ensure the accuracy of the information provided by these debt collectors. I find this lack of transparency concerning, especially given the potential impact on my credit score and financial stability.

I have reiterated my demands for these unauthorized accounts to be deleted from my credit file and for Equifax to provide clear, documented evidence for their verification. I also stated that if they fail to comply, I would seek legal recourse, including a small claims action against Equifax, for multiple violations including defamation of character, negligent enablement of identity fraud, and violations of the Fair Credit Reporting Act. 

I now anxiously await a satisfactory response within 5 days, including a revised and accurate credit report. Furthermore, I have also provided a legible and valid proof of my current address, which was previously deemed illegible by Equifax. 

Equifax 's improper use of my consumer report has caused significant distress and financial inconvenience. The Fair Credit Reporting Act was designed to protect consumers like me, and I expect Equifax to uphold its obligations under this law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update the suspicious information in my file, I think you have not validated these accounts in my credit report Please verify these accounts : XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

This Debt is from the year of 2007, see attach communication that was sent to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts appearing on my credit report all Accounts are listed below. 
1. Us Dept Of EdXXXX {$4300.00} 2. Us Dept Of EdXXXX {$4100.00} 3. Us Dept Of Ed/XXXX {$3200.00} 4. Us Dept Of Ed/XXXX {$3000.00} 5. I XXXX XXXX XXXX {$840.00}
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXX Balance : {$1700.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1800.00} XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$5800.00} XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXXXXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you of your violation of the Fair Debt Collection Practices Act ( 15 USC 1692 ) and to demand the immediate cessation of all communication, collection activities, and reporting to credit reporting agencies concerning the alleged debt.

Under 15 USC 1692, you are required to adhere to specific rules and regulations when attempting to collect a debt. It has come to my attention that you have failed to comply with these regulations by engaging in [ describe the specific violations, such as harassment, misrepresentation, or unfair practices ].
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a capital One hard inquiry on XXXX XXXX that is fraudulent. Name, address and phone number are all not mine.