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

I have contacted XXXX XXXX XXXX XXXX and the credit bureaus at nauseam, in an attempt to get this account verified or removed from my credit reports, and absolutely nothing has been done. The Account Number is XXXX, and it says it's for a collection in the amount of {$1500.00}, and that the account was opened on XX/XX/2023. The date is completely wrong, because I signed up for ZERO new accounts at the time, or even in the vicinity. I do not know what/where/when/who this account is for, and I have asked repeatedly for a copy of the contract via mail, and they refuse to provide me with this information, yet they keep " verifying '' this account when I dispute it without contacting me. This company is lying ; they know this account is fraudulent and they can not verify it, which is why they refuse to send me the documents I am entitled to under law. I am entitled to a copy of the contract they say I owe, which they have listed on my credit reports, but refuse to let me see. I need to receive a copy of this contract that clearly shows I opened this account and owe this money, or I need it removed from my credit report, because it is fraudulent and false, and they refuse to provide me with the information I have requested over and over again. This is against the law, I have the right to obtain the documentation that proves this is mine, and I have not been given what I have requested time and time again. Please remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed credit inquiries in which I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSYNCB/TJX 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 reporting, credit repair services, or other personal consumer reports

This is hereby legal notice thereon ; XX/XX/2023 ; I received ; a legal notice from an Experian ; a credit reporting agency ; so stating that Credit line Closed by Credit grantor for my XXXX credit card account no. XXXX ; closed for payment ; in addition I had made in fact several payments long before XX/XX/2023 ; however Experian credit reporting agency is showing that a payment hasnt been made yet ; in addition I never received a bill payment online or in the mail before or after I had made a payment, also I would like to bring my credit card XXXX back into good standings for credit use if possible by making a full payment in addition ; sir-mam after I make the full payment will I be able to use my credit card ; to buy certain items in good standing ; sir-mam you must respond hereafter a 72 hrs. of service of this legal notice as either an affirmation as in fact a denial ; a failure not hereby respond hereto this legal notice ; hereafter a 72 hrs., you as an official for a XXXX will hereby considered as in fact ; an official who has refused to respond as an affirmation or in fact a denial, and your pleading ( s ) as well as the XXXX XXXX  case no. XXXX ; FTC case no. XXXX ; as in fact a claim will hereby become denied and unacceptable ; sir-mam you must hereby service your pleading hereto ; myself XXXX XXXX XXXX XXXX XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an attempt to correct my EQUIFAX and XXXX  credit reports. On XX/XX/2019 I identified a fraudulent and unrecognizable account on my credit report that had been opened without my consent. Please block listed account below : XXXX PERSONAL LOANS I am requesting the account to be removed permanently from my credit reports. This account is fraudulent, unverifiable, and violates my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX all used my information incorrectly
Product: Credit reporting or other personal consumer reports

RE : Dispute Request for Removal under 15 USC 1681a ( 2i ), and 15 USC 1681c ( 5 ) of the Fair Credit Reporting Act ( FCRA ) : AMERICAN CREDIT ACCEPTANCE-XXXX Dear AMERICAN CREDIT ACCEPTANCE : I am writing to formally request the immediate removal of the above-mentioned account from all of my consumer report ( s ). The inclusion of this inaccurate and outdated information constitutes a violation of my consumer rights under the FCRA, specifically : -15 USC 1681a ( 2 ) - : The reporting of inaccurate, outdated, or the information in my consumer report is prohibited. This account is prohibited and illegal to be reported on my credit/consumer report because it is a violation of 15 USC 1681a ( 2i ) : ( 2 ) Exclusions. consumer report does not include ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; this account has listed the transactions and experiences on my consumer report and this is prohibited by federal law. 


-15 USC 1681c ( 5 ) - : The FCRA grants me as the consumer the right to have obsolete information removed from their reports. This account is obsolete due to : being a direct volition and is in violation of -15 USC 1681c ( 5 ) - ( 5 ) : Any other adverse item of information, other than records of convictions of crimes are to be excluded. This account is no such.

Impact of inaccurate reporting : This act of reporting this account on my consumer report has caused me significant emotional distress, financial strain, and disruption to my daily life as well as loss of opportunities to increase income and also leverage to receive credit and loans. This is a direct violation of 15 U.S. Code 1691e, 15 U.S. Code 1691c, 15 U.S. Code 13, and 15 U.S. Code 1691. 
AMERICAN CREDIT ACCEPTANCE has compromised my financial stability and contributed to a deep sense of insecurity about my future financial well-being, reducing my ability to make a good living for myself and my family. I am experiencing heightened levels of stress, XXXX, and XXXX as I grapple with the loss and navigate the challenging financial consequences. 
It is difficult to remain focused and productive while coping with this overwhelming sense of loss and uncertainty. I have spent several hours in therapy to remedy the stress of potential losses, however, this has damaged the situation so much more.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate : XXXX. XXXX Account Number : XXXX ACCOUNT BALANCE : $ XXXX  MONTHLY PAYMENT : {$2500.00} TERM : XXXX After your investigation is complete, please send me the results via mail. Thank you in advance.
Product: Debt collection

AMERICAN EXPRESS XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX. 
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days.  I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Product: Checking or savings account

Wells Fargo transferred me for approximately two hours among four different agents, none of whom had the information necessary to assist me with my claim. One of the agents, named XXXX from the fraud department, even laughed at me and told me to go to the police to recover the money that was taken from me, stating that he would do nothing about it. Nevertheless, I kindly requested to be transferred to the supervisor, XXXX, but he cut me off and said, verbatim, that if I wanted to speak with someone else, I should " call back. '' Are these operators not being properly trained? What kind of customer service training do they receive? I called back to assert my rights, as I am justified in reclaiming the money I had saved to purchase a car in cash, which was stolen from my XXXX XXXXXXXX XXXX XXXX, along with my cards, PIN information, and ID. I even had to request new keys when I discovered they were missing. Additionally, my phone, which I use for my work as a XXXX, was also taken, and I have proof that I was only able to recover it yesterday. 

Wells Fargo seems to want to wash their hands of this situation, and let me make it clear that I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If I need to study and defend myself to the fullest extent, I will do so! I have rights, and I am alone in this country. To manage my monthly expenses, I buy and sell cars, which is why my money was in that checking account. I will be closing it immediately upon the return of my funds. 

Furthermore, this is not the level of service one expects as a client who consistently maintains over {$20000.00} in the bank. How can they expect to respect me as a person? I will close my account here as soon as my money is returned. 

During my initial call, the agent who took my claim recorded only the transactions she deemed appropriate. I have since discovered that my claim was closed, and upon investigating how to view it online, I noticed that she included transactions from the city where I live, which are indeed mine. However, I was also charged for three ATM withdrawals and a payment of {$1100.00} in XXXX XXXX. The last time I was in XXXX XXXX was to see XXXX in XXXX! 

I therefore request that you utilize all the " advanced technology '' you must possess to investigate this matter thoroughly and return my money. 


Thank you very much for providing this space to clarify everything and for helping me find an entity that can assist me. 

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

I submitted a dispute with Experian on XX/XX/XXXX and XX/XX/XXXX for wrong personal information as well as accounts and inquires. I received an email on XX/XX/2021 that stated my results were ready to view, I attempted to the results online and was told that they were not available on line and to call XXXX, I called and spoke with a XXXX who advised me that he could not get me the results and that I needed to be transferred to the dispute department. I was transferred to XXXX who was rude and wouldn't let me explain to her that I did not need help with the website but more so with the obtaining a copy of my dispute results, she advised me that they have no control over the results not being given to me and that I could check my report for the results, she then transferred me over to the fraud department where I spoke with a XXXX and he advised me that the website is not something that they handle and that there is no way for me to receive the dispute results and to resubmit it. I requested a supervisor or a manager to get some type of help or explanation why the results wouldn't be available for me to see by mail or email and he said that he could have a supervisor reach out me sometime in the future. This not the first time I have mailed letters to them with a dispute and never received the results in return.
Product: Credit card

I am a victim of identity theft. There were fraudulent items on my credit file and I need them to be removed expeditiously. Thank you for your assistance. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 Original Creditor : XXXX XXXXXXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file.The items I disputed on the attached copy of the report I received.The information on XXXX  Formerly XXXX  The Original Creditors processed a delinquent after my letter of a FRAUDULENT ACCOUNT it is a balances of {$460.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. This was processed on XX/XX/2021 the alert I.D is XXXX, the account number is XXXX. The industry type is Auto Financing, I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank your
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XX/XX/XXXX Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. 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.

1. This inquiry was made without my knowledge or consent. 
XXXX Date of inquiry : XX/XX/XXXX Please delete from my credit file immediately 2. This inquiry was made without my knowledge or consent. 
XXXX Date of inquiry : XX/XX/XXXX Please delete from my credit file immediately 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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

This is in regards to Nissan motor Acceptance/Infinity Finance who is been harassing me for more than a year now. I got divorced in XXXX XXXX XXXX. As per my divorce decree, my ex was supposed to take my name off of the car but he didn't. I DO N'T DRIVE, I DON'T HAVE THIS CAR AND I DON'T EVEN HAVE A LICENSE TO DRIVE ANY VEHICLE. I keep receiving calls from this infinity and I have explained to them multiple times now about the above mentioned things and also I asked them to kindly provide me with the email or the fax number to send them the two legal documents, one is my divorce decree and the second is the demand letter sent to my ex husband and was told that they don't have any email or a fax number. Not only the agents but the managers there are all EXTREMELY RUDE AND RACISTS AND HAVE HARRASED ME MULTIPLE TIMES. 
Because Infinity Finance won't take my name off, it's hurting my credit so badly. I am the one who have picked up their calls and in fact called them back numerous times, provided them with my ex husband 's address, email and phone number but they still keep harassing me. I work very hard to make my both ends meet and they keep harassing me mentally. On Monday, the XXXX of XXXX, one of the super rude and XXXX agent, XXXX from XXXX told me to hire a towing truck, chase the ex husband and the vehicle, get it, park it in Nissan 's property and then they will see how to sell it etc etc. I kept telling them that I don't have time and money to do so and that I've in a totally different city, he won't listen to me.
Product: Money transfer, virtual currency, or money service

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

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the XXXX FCRA XXXX ( XXXX U.S.C. XXXX ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it againXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is knowingly reporting inaccurate data to the credit bureaus. My credit profile is affected by this inaccurate reporting which is SUSPICIOUS and DECEPTIVE. The account is showing closed yet late payments are being reported from XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX. Then in XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, an unknown status is reported. Which one is it? Lastly, if the account was charged off, then they reported the account as a reduction in income to the IRS and should be reporting a XXXX balance instead of the balance they are showing. I require the full GAAP accounting for this account. The balances are incorrect. 

By XXXX XXXXXXXX XXXX own admission the account was closed on XX/XX/XXXX, per the attached letter from them dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information on credit report no knowledge of
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ NEED THIS INFORMATION REMOVED IM TRYING TO BUY A HOME SOON AND THIS DOESN'T LOOK RIGHT BEEN TRYING TO KEEP REMOVING. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XXXX XX/XX/2025
Product: Debt collection

I received an email XX/XX/XXXX ... Contacted the company on XX/XX/XXXX. Was not aware of debt. Paralegal, XXXX, Was XXXX, XXXX, XXXX XXXX. Threatened Me With XXXX, Talked About My XXXX  XXXX, Told Me To XXXXXXXX XXXX XXXXXXXX. I Am Appalled. I Know Nothing About This Debt From XXXX