23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the XXXX XXXX XXXX in an effort to verify that the information being reported on my credit report was accurate back in XX/XX/XXXX. I have sent several letters asking for proof ( with my signature ) that the amounts they are requesting be verified. They have sent letters back and included an e signature on a promissory note. They garnished my income tax last year and this year. This years garnishment was done in XX/XX/XXXX which totaled {$6900.00} I just pulled my credit reports on XX/XX/XXXX and they are still showing that the balance that I owe DOES NOT reflect that anything was paid towards the balance. In other words prior to XX/XX/XXXX my balance that they said I owed them was {$12000.00} and upon pulling my credit report on XX/XX/XXXX the balance still shows that I owe them {$12000.00} which is incorrect. As of today XX/XX/XXXX I logged into my debt summary for the XXXXXXXX XXXX XXXX and it shows that I only have a total of {$6200.00} in student loan debt. This inaccuracy on my credit report is causing a drastic problem with my scores and I need them to report accurately and remove this debt totally from my report!
Product: Payday loan, title loan, personal loan, or advance loan

I had paid the majority of my Affirm.com loan when my income was suddenly reduced by a lot ( I am living on {$1000.00} a month ). I contacted them to try to obtain a reduced payment plan, but they said they do not offer this. They said to go ahead and schedule a payment, even though I did not have the money to pay it. Since then I have been making smaller payments when I can. However, today I received a noticed the loan has been charged off and reported. This is incredibly upsetting because Ive tried my best to make payments and they offered no support. Now my credit will have a negative mark, making it even harder for me financially.
Product: Debt collection

REPOSSESSION DEFICIENCY DISPUTE This account CREDIT ACCEPTANCE CORP acct # XXXX, has violated my rights. Under the laws of the state of TEXAS UCC 9.506 and State RISA and MVISA statues a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhere to. Please provide copies of the legal notices and proof of the commercially reasonable3 manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statues and UCC 9 REMEDIES. 
Also, Section 16.004 of Texas Civil Practice and Remedies Code, states ... .the statue of limitations on debt in Texas is four years. And this account is over 4 years old, so it must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO MY NAME IS XXXX XXXX AND I HAVE BEEN TRYING TO DISPUTE UNVERFIED ACCOUNT WITH EQUIFAX FOR THE LAST YEAR, I SEND OUT FCRA SECTION 609 LETTERS AND EACH ROUND IS MORE DETAILED WITH THE FCRA LAWS I SENT THE LETTERS CERTIFIED I TYPE AND HAND WRITE THE ACCOUNTS AND ACCOUNT NUMBER IN BLUE PEN I ALSO ATTACH A NOTARIZED LETTER OF ACKNOWLEDGMENT WITH PHOTO COPY OF MY ID AND SS CARD IN COLOR. SO HERE IS THE TWIST IF YOU EVER SENT A DISPUTE LETTER AND PROOF OF WHO YOU ARE CLEAR AND IN COLOR AND YOU GET A LETTER BACK FROM EQUIFAX SAYING THEY NEED MORE INFO TO VERIFY WHO YOU ARE ... ..WELL I JUST FOUND OUT THROUGH EQUFIAX REP ASKING WHY THEY HAVENT SEND ME BACK IN THE LAST YEAR OF MY DISPUTE LETTER THEY RESPONED SAYING MY NOTARIZED DOCUMANT IS NOT A CLEAR IMAGE BECAUSE ITS IN BLACK AND WHITE ... .YA LOL I KNOW BLACK AND WHITE???? I ALWAYS SEND MY DOCUMANTS IN COLOR AND I HAVE VALID PROOF SO LONG STORY SHORT WATCH OUT THESE CLOWNS ARE DOING SHADY STUFF TAMPERING WITH ORIGINAL SEALED DOCUMANTS AND FAILURE TO COMPLY WITH FCRA SECTION609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) Section 611 ( 5 ) ( A ) of the FCRA Section 616 & 617 I ALSO HAVE SENT CERTIFIED DEBT VALIDATION LETTERS TO COLLECTION COMPANY XXXX XXXX XXXX AND RECIEVED NO RESPONSE.
Product: Payday loan, title loan, or personal loan

I called upgrade and informed them that I wanted to pay off my loan in full which was {$200.00} I paid that and the lady stated that my account would update to {$0.00} in a few days. In a few days, I checked the account and it stated that I owed {$5.00} I called upgrade and informed the lady that I had already paid the full balance but to go ahead and pay off anything that I owe and to CLOSE the account. The lady stated that I needed to pay the {$5.00} and then she would request to have the account closed. Later that same day I checked the account and now it states that I owe XXXX XXXX, once again I call upgrade. I get a lady who states that she is sorry but the previous agents are not doing things right and stated that she has to submit some forms ( this was after she spoke with different managers. I requested to speak with managers but keep being told that there are not any managers available.
Product: Credit reporting or other personal consumer reports

I was never late on this account in XX/XX/2023. 

I was reported to the credit bureaus as having XXXX late payment and I have attached proof so you can see that this account is being reported inaccurately. You can see that this account is being reported differently across all XXXX credit bureaus as well. Look at how all the information is different. 

This is a violation of the FCRA Section 623 and also a violation of the Fair Credit Billing Act. This has really dropped my XXXX XXXX and I need it fixed ASAP. 

I applied for an auto loan with XXXX and this hurt my interest rate because of the late payment.
Product: Credit reporting or other personal consumer reports

I was unable to be verified via phone despite giving SSN, DOB, Full name, Address, etc and they said I couldn't be verified ( equifax ) and to try logging in again and see if things changed. I've had XXXX addresses in the past few years so I finally tried my initial address to log in, which worked. There are multiple issues now. 1. ) it will not let me file a dispute online 2. ) my DOB is not even there ( XX/XX/1992 ) 3. ) There is not a single file shown of my credit despite the other two bureaus showing it. Something is seriously wrong and I need to get down to it as this is a major concern. When trying to speak to an agent at equifax, they " couldn't authenticate me '' because they couldn't locate me despite address, name, ssn and dob. This is insane as it's almost like I don't exist in the world even though I didn't have an issue with XXXX  or XXXX XXXX. I need some answers as to why my existence isn't populating in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

checking my file a lot of information is invalid. I am disputing all incorrect information from my credit report with Experian. to correct my file all items needs to be removed.
Product: Debt collection

XXXXXX/XX/XXXX is a collection agency for the XXXX XXXX and is trying to collect a debt that has been discharged through bankruptcy more than 9 years ago. In addition to the discharge on Chapter XXXX, the house was foreclosed on XX/XX/2018 completely clearing me of any debt that's owed. I continue receiving debt collection letters and threatening statements that they'll report to the three major credit agencies if I don't make new arrangements.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX  XXXX 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: Checking or savings account

On XX/XX/year>2025 I received a text message at about XXXX XXXX telling me they were from Chime and that there was a charge in the amount of {$350.00} made at XXXX. They wanted me to reply yes or no, whether this transaction was made by me. I replied no and within seconds, they called me. They told me their name was XXXX XXXX badge number XXXX calling with the chime fraud department and that they were putting my account on hold due to fraudulent charges. I asked for their name and badge number again to make sure I could get it written down and they then had me try to send {$900.00} to show myself and them that my account was indeed locked. They had me read out loud what it had said, and it had said that it was unable to complete the transaction so that proved to me that it was locked, they then had me attempt to do it for XXXX for a second time to just show that it was still locked. While on the phone with them, they told me that a XXXX XXXX was attempting to do a {$900.00} money transfer and that I needed to do in increments of XXXX equaling XXXX to be a reversal of those funds so that it did not happen. I tried it the first time and it didnt work because of course you know my account was locked so then I tried it again and They told me to keep doing it not to hang up. And I guess they all went through because then they hung up on me and my account was drained. I have filed a police report. I have filed a dispute with the bank and they are deciding not to give me my money back. my phone has been acting up and I have reached out to cricket to let them know And nobodys doing anything for me. All I want is my money back that was taken because I was deceived and only was authorizing those under coercion. These people gave me badge numbers gave me names. Had me do all of this thinking that they were my bank. I know my bank is not doing anything about it. I have done everything. My bank has asked like I said I filed a police report. I have reached out to the phone company in regards to my phone being weird And Im getting nowhere with Chime. Ive even changed my phone number.
Product: Credit reporting or other personal consumer reports

These accounts dont belong to me i never did any business with XXXX XXXX XXXX and are damaging my rental history reporting inaccurate information
Product: Checking or savings account

In XX/XX/2016 I voluntarily closed my account by walking in the Fifth Third Branch in XXXX Indiana. After the closure of the account I was reported to XXXX XXXX XXXX for mishandling of my checking account. I deposit a personal check from my other checking account, XXXX XXXX   into my Fifth third checking account. After a few hours I realized the check I deposited was from my old checking account which no longer was in use. I reported this to Fifth Third Bank after the incident and they continued to report me to XXXX XXXX XXXX with a false narrative. Under federal guidelines, this is illegal to a consumer. I'm asking with the help of Consumer Finanace bureau to have this information removed from my XXXX XXXX XXXX report. Thankyou.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of inaccurate information on my credit report. On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect account details : XXXX. Account Name : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Highest Balance : {$44000.00} XXXX. Account Name : XXXXXXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX XXXX : {$0.00} XXXX. Account Name : XXXX XXXX  XXXX Date Opened : XXXX XXXX, XXXX Credit Limit : {$500.00} I have not received any response from TransUnion regarding these matters to date.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against Experian for its failure to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, by not conducting a reasonable reinvestigation of the disputed information on my credit report. As a result, inaccurate or unverifiable accounts remain unresolved, continuing to negatively impact my credit standing. 

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic violations, including the failure to forward consumer-provided evidence to furnishers, accepting unreliable responses from furnishers, and not adequately notifying consumers of the results of their disputes. These violations mirror my experience, where Experian has not only failed to correct or remove the disputed items but has also neglected to consider the supporting evidence I submitted. 

Experians inaction is a direct violation of the Fair Credit Reporting Act and is causing ongoing harm to my credit profile, despite my compliance with the dispute process. This failure to properly investigate and resolve disputes leaves unresolved inaccuracies, which continues to negatively impact my financial well-being. 

I am requesting immediate corrective action to remove the disputed accounts from my credit report, as Experians failure to comply with federal law undermines my rights as a consumer. It is essential that Experian be held accountable for its actions and ensure that consumer disputes are thoroughly investigated and resolved in accordance with the law. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) take prompt action to ensure that Experian corrects its practices and complies with the legal requirements set forth under the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

I have opened an account with XXXX and funded it with money. Now I have been waiting for over a week for them to verify my account so I can actually use the money which I have deposited. Right now my money is stuck in the account and I simply cant do anything because they wont verify the account. I have email them a few times and just simply havent heard back from them, its simply impossible to get in contact with them!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Equifax have all said that my credit report was true and accurate and it is not. 
They are also under several USC violations.

15 USC 1681b 15 USC 1681c 15 USC 1681n And now 15 USC 1611.

15 USC 1681b- states that any consumer reporting agency May furniture Consumer report under following circumstances and no other '' in accordance with the written instructions of the consumer to whom it relates ''. XXXX XXXX nor Equifax can produce this document because none of them had my written instruction to put these accounts on my credit report. 

15 USC 1681c- states that no consumer reporting agency may make any Consumer report containing any of the following items of information " any other adverse item of information other than records of conviction of crimes. '' 15 USC 1681n- I have received actual damages because of Equifax XXXX and XXXX. I can attach the documents for proof as well. I want to be compensated as well. 


I want the accounts listed below to be removed from my credit report for not being true and accurate. I also want them remove for being under several USC violations. 
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

I have applied for a mortgage and there are so many errors on my credit report that need to be addressed. I have not looked at my credit for years so there should n't be anything on it honestly.   I never had an account with  XXXX   XXXX  and so  XXXX  dont owe   XXXX   XXXX   XXXX   anything.   I never had an account go past due with   XXXX   XXXX   this is an error or someone did this in my name.   Again I never have activated a  XXXX  account this account is incorrect or opened without my authorization. I dont owe them or   XXXX    anything and they 're on here twice. Please remove these incorrect items off of my report.   I have no idea what this medical collection is and I dont have any outstanding medical bills.   Ga  XXXX   XXXX   XXXX  is another account i never authorized anyone to open in my name.
Product: Money transfer, virtual currency, or money service

I was driving home from out of state. Caller ID was Wells Fargo. XXXX supposedly represented XXXX. He said someone was trying to take XXXX out of mt checking account. He was going to stop the transaction. I didn't give him any of my info. He obviously already had it. He was really not stopping the transfer, he was making it for himself. He said the bank needed to split the amount into XXXX {$220.00} and {$770.00}. So he gave me XXXX confirmation # XXXX for the XXXX transactions. These # XXXX weren't cancelling, they were letting him take the XXXX # XXXX confirmation # XXXX and # XXXX. I suspected fraud, so as soon as I hung up I called Wells Fargo and reported possible fraud. They emailed me they cancelled the XXXX transaction, but they transferred the $ anyway. XXXX says the transfers happen instantly, so Welle Fargo couldn't have done anything. I have been working with a personal banker, XXXX XXXX for 6 months about this. He said XXXX moved the $ from XXXX to his private account. I reported to XXXX, but they say nothing can be done. The XXXX transaction # XXXX are XXXX for the {$770.00} and XXXX for the {$220.00}. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act US DEPT ED Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX Account XXXX XXXX, Account # XXXX, PXXXX XXXX  Account # XXXX, XXXX Account # XXXX,, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Inaccurately reporting my private information is against the law under you and this company needs permissible purpose. Attached is proof of the information being inaccurate. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Debt collection

On XXXX XXXX, XXXX I wrote a letter to Online Information Services asking them to validate a debt that was showing on my credit reports. In this letter, I asked for proof of contractual agreement, COMPLETE accounting of the alleged debt, copy of any judgement obtained by creditor, etc. Online Information Services received my letter on XXXX/XXXX/XXXX and in their response to my request Online Information Services did n't provide me with any of the requested documents. Instead, I was sent an incomplete accounts receivable ledger. Not to mention, the date section of this ledger says " XXXX through XXXX '', yet, this debt seems to be from XXXX.
Product: Debt collection

Fraudulent collection attempts and unjustified credit reports since XX/XX/XXXX. 
I have spoken to this people over the phone years ago, like 5-6 years ago and instead of providing me with a debt validation, they proceeded to sell this to a collection agency. On XX/XX/XXXX I sent a Debt Verification Letter request and they have failed to update the account as being disputed and failed to reply to my verification letter. The collection agency in question is SECURITY CREDIT SYSTEM. This is a XXXX XXXX and is fraudulent. 

SECURITY CREDIT SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Collection amount : {$5000.00}
Product: Debt collection

I had a credit card debt, through Navy Federal credit union. During the year XXXX or XXXX, that debt, roughly XXXX. Was placed into litigation with a 3rd party, XXXX, XXXX, and XXXX. 
Over the span of a few months, nfcu reallocated multiple deposits to XXXX. After that period, and receiving XXXX, estimated. They ceased to seize funds. 
XXXX of XXXX they began to seize funds again. Nfcu told me they are unable to view any details of the remaining balance. I created an online epay account with XXXX. Was then able to verify as of XXXX XX/XX/XXXX. Current balance of total debt, XXXX {$27.00} XX/XX/XXXX, Nfcu transfered XXXX $ to XXXX. 
Exceeding the debt by XXXX $ I called NFCU to address the infraction. I was told that this type of transfer was how collections is done. They take a large sum, deduct their due amount and return the funds. 
I attempted multiple times to speak with a representative of XXXX 's collections department. XXXX. Each time only getting voicemail and getting no responses or calls. 
Then, calling NFCU to ascertain any information about reversing the funds. Was told multiple times they can't do anything. I requested multiple times to dispute the transfer. Stating the 3rd party XXXX exceeded the debt by XXXX $ Though, I wasn't directly told no. NFCU wouldn't acknowledge the request. And would only tell me I needed to speak with XXXX if I had any complaints. 

XXXX debt balance with wwr XXXX $ ( XXXX to prove it ) XXXX XXXX took XXXX $ Nfcu stated XXXX placed a reversal on the funds. XXXX business days. Day XXXX is today XXXX. No funds returned. 
Attempts to fix this have been fruitless through both entities. NFCU and XXXX.
Product: Credit card or prepaid card

I gave Capital One {$250.00} to get a secured credit card. Filled out the application was approved, gave them my deposit. No ID required. 

I tried using the card and they said I have to send them proof of ID to use the card to access my deposit I gave them. I told them I don't have ID. I told them to cancel the card and give me back the money to me. They said they can't do that unless I produce ID. 

I'm basically a homeless Veteran just trying to get a card I can use to buy things rather than carry cash. I don't have any ID. I don't need ID in my day-to-day life. I told them it's like voter suppression, no ID no vote. They hung up on me. 

I just want my deposit of {$250.00} back. I don't have a home, car, job, or ID. I just have a po box to get mail. 

I did not need ID to get the card why do I need it to get my money back. I never was allowed to use the card either. 

There are a lot of people like me who dont have ID. We're not up to no good, it's just how we want to live.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Previous Complaint You investigated the previous complaint. Thank You. 
Due to your investigation, Synchrony Bank resolved most of this issue. 
They refunded my late fees, refunded my interest fees, and honored the Ten Percent discount that they offered. 
However, they also reported derogatory information to the Three Credit Bureaus. 
I have requested that Synchrony Bank remove this negative info. They have not agreed to do so. Clearly they were wrong to report this, as they corrected the erroneous charges. 
Since the charges were incorrect, the info to credit agency is also incorrect. 
Please have Synchrony Bank update my info reported to credit bureaus.
Product: Debt collection

Collector misrepresents their role and is pretending to be the original creditor which violates the FDCPA. This is outlined of a debt collector misrepresenting themselves under Section 807 ( 10 ), which includes false claims about their identity, pretending to be the original creditor when they are not. These are deceptive practices and reporting should be removed.