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

Ive reviewed my credit report and PORTFOLIO is reporting my account with XXXX XXXX with a similar but different account numbers. Portfolio is listing as XXXX And XXXX XXXX is listing as XXXX Which is making it report twice on my credit report. To be specific they removed digits to the begining of the account number. Just to inform you I have verified that this is the same account because the amounts and open dates are the same.
Product: Checking or savings account

Wellsfargo is misleading and being dishonest their customers due to how they process transactions with their XXXX Day Grace Period offer. For example, on XX/XX/XXXX, I had two purchase transactions pending ( XXXX XXXX for {$96.00} and XXXX XXXX XXXX for XXXX ) that didnt post til until XX/XX/XXXX. The bank charges overdraft fees after the transactions post. With the One Day Grace Period should give you an extra day to deposit funds to cover, however the bank back dated these transactions to XX/XX/XXXX as posted which caused two other transactions both from ( CapitalOne for {$100.00} and {$50.00} ) that was already posted on XX/XX/XXXX to have unavailable funds that caused two overdraft fees of {$35.00} because the bank backdated XXXX and XXXX XXXX XXXX to XX/XX/XXXX. There are more transactions like this which is deceitful and delayed transactions. Also I had a XXXX transfer initiated and sent on XX/XX/XXXX WELLSFARGO didnt post til XX/XX/XXXX causing another overdraft a XXXX XXXX should be available same day or at least next day business from XXXX XXXX XXXX XXXX sent before XXXX. 
I will upload screenshots of examples. Please review and thank you for your time.
Product: Credit reporting or other personal consumer reports

I got a Email from all the Credit Agencies telling me my Credit Score dropped XXXX points for a late payment that MR. COOPER REPORTED IN XXXX OF XXXX. THIS HAS HURT MY CREDIT SCORE CONSIDERABLY AND CREDITABILITY IN PUBLIC AND PRIVATE. 
I was out of town because of a DEATH IN MY FAMILY THAT HAPPENED SUDDENLY AND WITHOUT NOTICE.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the balance on my student loan account, as I believe the current balance does not accurately reflect my loan history. After reviewing my account statements, I have identified a discrepancy that I believe requires correction. Per the Mohela website it says as of XXXX XXXX I have a balance of {$250.00} as of XXXX XXXX, but XXXX is reporting that I owe {$1400.00}.
Product: Credit reporting or other personal consumer reports

Equifax received on XX/XX/year> an Identity Theft letter mailed Certified Mail Receipt with tracking number [ XXXX ] " This was in reference to XXXX, a student loan servicer received a XXXX notice that they were reporting my nonpublic personal information about my educational record that they had no permission to report. Equifax received this noticed that they were unlawfully reporting fraudulent accounts that arose from Identity Theft due to my information was knowingly transferred, possessed and used without my lawful authority that they did not verify as required by law. In accordance to18 USC 1028A. Aggravated Identity Theft. Equifax also violated 15USC1681c-2 Block of Information Resulting from Identity Theft. Equifax did not block the information that resulted from an alleged Identity theft, not later than XXXX business days after the date of receipt. All relevant documents to this Section of the Law was received by Equifax and the letter was Notarized. Additionally, Equifax is in violation of 1681n Civil liability for Noncompliance.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 XXXX Unauthorized closing of account also money missing from my account available balance XXXX no email found listed on there record XXXX XXXX XXXX Paypal XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data breach, which potentially opens me and my spouse to identity theft. We have been planning on applying for a HELOC this fall, but if my information is used due to improper security on Equifax 's part, I may not end up having a good credit score, or may be denied for reasons related to fraud using my information.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX, TRANSUNION and XXXX credit report and found the following accounts listed as late payments on my credit report on top of the inaccuracies : The account - ACCOUNT NAME : XXXX 15 USC 1681a ( 2 ) ( i ) - EXCLUSION ON TRANSACTIONS 15 USC 1666b - TIMING OF PAYMENTS **** XX/XX/year> FURNISHED AS " OK '' XX/XX/year> FURNISHED AS 30 DAYS LATE XX/XX/year> FURNISHED AS " OK '' HOW CAN I BE LATE UNDER 30 DAYS? PROVIDE THIS PROOF OF LATE PAYMENT WITH BANK STATEMENTS. 

A LATE PAYMENT IS A TRANSACTIONAL EXPERIENCE BETWEEN MYSELF AND WHO I DO PRIVATE BUSINESS WITH. *DELETE THE LATE PAYMENTS ON THE ACCOUNTS IMMEDIATELY.

*DO NOT DELETE THE ACCOUNT.

*I DID NOT GIVE YOU PERMISSION TO FURNISH THIS ACCOUNT AS LATE. THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER 15 USC 1681b.

Your company is in clear violation of the law under 15 USC16811b - Permissible purpose of consumer reports. THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

*I DID NOT GIVE YOU PERMISSION TO FURNISH THIS ACCOUNT AS LATE. THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER 15 USC 1681b.

THE FAIR CREDIT REPORTING ACT PROTECTS ME AS A CONSUMER AND STATE THIS TYPE OF ( reporting ) is *EXCLUDED* FROM FURNISHING AND REPORTING.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to ( transactions or experiences ) between the consumer and the person making the report ; Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practice Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 usc 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 USC 16811n Negligent Enablement of Identity Fraud I will start a complaint with FTC and will reach out through proper communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX  and have just had a XXXX XXXX XXXX Several of my creditors agreed under compassionate terms via phone that any derogatory statements on all of my credit reports would be removed and reported as paid in full. 

In accordance with the fair credit reporting act the following creditors agreed to the above statement. In accordance with the fair credit reporting act and XXXX Accounts below, have violated my rights. 

XXXX XXXXXXXX : All accounts, beginning with : XXXX, XXXX, XXXX 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15C USC 1666B : A creditor may not treat payment on a credit card account under an open end plan as late for and purpose.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I received a call from someone stating that they are from XXXX XXXX and that my mother is four months behind on her electric bill and if the bill isn't paid then the electricity will be turned off. I ended up paying the bill for {$330.00} using XXXX through my checking account. I realized after the fact that it was a scam and called TD Bank right away and they had told me that they would investigate it and within 5 days they would call me back, which they never did. I ended up calling them and was told that there was nothing they could do because I willingly sent the person the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a late payment from XXXX XXXX  it took longer than 45 days did not delete
Product: Vehicle loan or lease

On XX/XX/XXXX  my car was to be delivered by Carvana. I received an email stating the deadline timed out. This is the second time within a two week period Carvan has misled me. Carvana has violated as well as wasted time energy and my Money. I also purchased insurance for one vehicle and did not get the vehicle. 
Violations by Carvana 15 U.S. Code 1692e - False or misleading representations.
Product: Credit reporting

I filed a dispute with Experian. Within XXXX days I received a response that that dispute was closed/ resolved. Nothing ever changed. Both XXXX and XXXX removed the items from my report due to it being false information. Experian did not investigate the false information and has not removed it from my credit report with them. When I called Experian the representative said they do not do disputes and I was basically out of luck. These items on my credit report are false, and how do I get them removed if Experian will not do an investigation?
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX - XX/XX/2025 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, TransUnion, and XXXX are all consumer reporting agencies and I am the Consumer. 

These agencies have failed to do so and have violated my federally protected consumer rights to privacy and confidentiality by publicly furnishing the below charged off accounts on my credit report and selling/communicating my nonpublic personal information to a nonaffiliated third parties without my written instructions. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX ( {$9700.00} ) XXXX XXXX - XX/XX/XXXX ( {$2600.00} )
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



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 XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit card or prepaid card

Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask XXXX and Equifax to remove these accounts that do not belong to me many times they have yet to do so no proof of these accounts have been presented they are refusing to follow the rules of the FCRA.
Product: Credit reporting or other personal consumer reports

National Credit System is reporting I owe a balance on my credit report inaccurately. I filed XXXX XXXX XXXX  and they are included in that XXXX. Delete it from all credit bureaus immediately. Their filed under their ORIGINAL NAME AND OWNER " XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN, please see bankruptcy for attached. I owe XXXX dollars and the company themselves are aware. XXXX XXXX XXXX is the name of the place of the house.
Product: Debt collection

I don't agree with the negative payment status and history listed on this account, i currently live with my mom and have never had any bills in my name please mail me the proof of your investigation or delete the negative information!!! Please Jefferson Capital System XXXX XXXX XXXX XXXX
Product: Debt collection

I sent a request for validation of the following account and received a response with NO proof that you verified the debt. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties.I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Ar, XXXX XXXX XXXX Date : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Inaccurate and Incomplete Credit Dear Equifax , I am writing to dispute inaccurate and incomplete information that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXXXXXX XXXX XXXX XXXX, I am entitled to have my credit report contain only accurate and verifiable information. As such, I request the immediate removal of the following items from my credit report as they are inaccurate and incomplete : Creditor Name : XXXX XXXX XXXX XXXX Account Number : [ Insert account number if available ] Balance : {$1400.00} Reported Open Date : XXXX XXXX, XXXX The information reported in this account is inaccurate for the following reasons : [ Explain the inaccuracies, e.g., I do not recognize the debt, or This account is incomplete, as it does not include my timely payments, or This debt has already been settled. ] Case Law Supporting My Request : " XXXX XXXX XXXX XXXX XXXX '' ( XXXX ), XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : This case emphasizes that the credit reporting agencies have a duty to ensure the information on a consumers credit report is complete and accurate. If a credit reporting agency fails to correct or remove information that is shown to be inaccurate or incomplete, it may be held liable under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) : In this case, the court held that credit reporting agencies must perform a reasonable reinvestigation of disputes and remove any negative items that are not verifiable or found to be incomplete or inaccurate. 
" XXXX v. XXXX '' ( XXXX ), XXXX XXXX XXXX ( XXXX XXXX  XXXX ) : This decision reinforces that a consumers credit report must not contain unverifiable or incomplete information, and it further mandates that the reporting agencies must investigate any dispute to ensure the accuracy and completeness of information. 
As stated in the above cases, I request that Equifax conduct a thorough investigation of this account and remove the inaccurate and incomplete information immediately. The FCRA mandates that any item found to be unverifiable or incomplete be removed from the credit report, as was outlined in XXXX XXXX XXXX, XXXX. 

In accordance with the FCRA, please provide me with a written report detailing the results of your investigation and the actions taken. Should the disputed information remain, I expect clear documentation proving its validity. If Equifax is unable to verify the accuracy and completeness of this account, I request immediate removal from my credit report. 

Please notify me of the results of your investigation within 30 days, as required by law. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had a car financed thru first investors that got stolen and I was told I had a balance left. I had gap insurance and on my credit report it was charged off and paid in full. Then a company call Autovest.llc. Bought it and is trying to garnish my wages when I never had debt with them. I informed them it agains the law to do that but went to another county in oHio and went to court without me knowing with falsified paperwork and claim I owe them money.
Product: Credit card

Before 2011, I had several rewards credit cards from JP Morgan Chase. I used these cards for my daily expense activities. I paid balance for every card in full every month. There is no abnormal activities on the cards. One day, Chase suddenly closed all my credit cards without notification. I called several times to ask about the reason of card closure but no one give me a reason. Written notice also give no reason about it. Since then, I am banned to apply for Chase credit cards any more. I tried a couple of times but always got denied due to the reason of " unsatisfactory relationship with Chase ''. I always have a good-excellent credit history. Right now, I am living in a state which Chase is the most popular bank there. It will be very inconvenient to not have a chase bank cards and accounts. I am expecting Chase to remove me from their " Blacklist '' and evaluate my application based on my credit worthiness.
Product: Debt collection

XXXX XXXX supposedly I owe them XXXX $ and decided to send it to collector debt ( Sarma collection Inc ). 
I was patient at XXXXXXXX XXXX  and you have to pay the deductible before they start treating you, and we agreed about the the payment in advance and i paid my deductible in advance then my dental insurance will pay the rest, later on they decided to charge me extra because I decided to go to another company. I don't know they think they can charge me extra if I change XXXX I paid them all my parts and they need to stop bothering me. 
thank you
Product: Debt collection

I contacted Medical Data Systems on XX/XX/XXXX to check the status of a medical debt placed with their agency. My insurance was retroactively paying the claim due to a mistake in billing so I was attempting to check the status of the claim. The original creditor is XXXX XXXX XXXX and the account in question is XXXX. When I spoke to the representative she informed me of another debt from the same original creditor. I explained I have no knowledge of this account and have not received any correspondence so I would need to speak with the hospital and that was not why I was calling. The Medical Data Systems Representative asked for my address and I gave it to her. I verbally communicated in this call that I have not received any communication regarding this account from XXXX or Medical Data Systems. She stated '' we mailed a letter in XX/XX/XXXX : to XXXX. I explained to her I have not lived there since XX/XX/XXXX. She then asked me for my current address which was given to her. On XX/XX/XXXX I received an alert there was a change to my credit report. I opened it to find this account was reported to the Credit Bureaus on XX/XX/XXXX. Medical Data Systems failed to provide written correspondence within 5 days of initial communication, along with notifying me of my right to dispute and what to do if I feel this is inaccurate and my right to receive a bill or proof this belongs to me. Medical Data Systems also violated my rights by knowingly reporting an account to the Credit Reporting Bureaus when they were informed I was not aware of this and I needed more information. I explained I was not going to pay a bill when I have no knowledge of these charges. The representative also stated I was informed of this debt last XX/XX/XXXX when I called to pay another bill. I told her no that is not true. I explained in XX/XX/XXXX I called to pay a {$110.00} dollar bill and was informed of another account with a balance of {$510.00} and that account was the one I was calling to check the status of because my insurance had payed it. She said no we told you. I explained that was not the case. I asked when was this account placed for collection because my XXXX account shows a XXXX balance. She stated it was sent to them in XX/XX/XXXX. I had just caught her in another lie. She also misrepresented the insurance status on the other account. I will be submitting a separate complaint for the other account since the representative also lied about this account as well.