23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX is attempting to collect an alleged debt related to XXXX, a company that filed for bankruptcy and abandoned my orthodontic treatment mid-course. As a patient, I was left without the completion of my care, and XXXX failed to meet its contractual obligations, including a lifetime guarantee and satisfaction guarantee. Since they ceased operations while I was still in treatment, they did not fulfill the terms of the agreement and left me without proper follow-up care. 

On XX/XX/year>, I formally disputed this debt via email and certified mail with return receipt, which XXXX received on XX/XX/year>. My dispute requested full validation of the debt, including a breakdown of charges, proof of the original agreement, and documentation showing that the debt was legally transferred before XXXX 's bankruptcy. To date, XXXX has not provided any response or validation. 

XXXX did not provide the services for which I was charged. A company can not legally collect payment for services not rendered. XXXX ceased operations before completing my treatment, breaching their contractual guarantees. Their bankruptcy prevents them from fulfilling their obligations, rendering the debt unenforceable. 

XXXX has not validated the debt as required. Despite my formal dispute, they have not provided any documentation proving I legally owe this amount, that XXXX properly assigned the debt before bankruptcy, or that XXXX has the legal authority to collect it. 

This debt XXXX be void due to XXXX 's bankruptcy. If the debt was not lawfully transferred before XXXX ceased operations, it can not be enforced. XXXX has failed to provide any proof that this debt remains valid despite the bankruptcy proceedings. 

XXXX 's failure to respond XXXX constitute a violation of debt collection practices. They have ignored my written request for validation while continuing collection efforts. If they can not provide the requested information, they are legally obligated to stop all collection activities.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is another request to REMOVE these fraudulent inquiries AND information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are REQUIRED to REMOVE any items listed on an id theft report not later than 4 business days. Ive already included this reported issues in my previous letters & I am including it again along with the ID THEFT REPORT # XXXX. Also, the details provided BY THE Credit Bureaus regarding these items are UNKNOWN to me and I have doubts about the accuracy. Please see the listed items below for REMOVAL : XXXX : XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXXXX/XX/2023 EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Paid this account and was told I would receive a letter showing that it is paid and cleared and have been getting the run around on receiving the letter. This account is paid and I need letter verifying this account is paid and settled.Paid this account on XX/XX/XXXX, was told I would have a letter XX/XX/XXXX, now being told it will be XX/XX/XXXX and can only receive it in the mail, not by email. You have been paid, send the letter that it was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -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: Credit reporting

On XXXX XXXX, I sent Equifax a letter requesting that they correct errors on my credit report. Over thirty days have passed, and I have yet to receive a response of any kind.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 major credit bureaus are reporting medical bills infringing on HIPAA protection rule, they are also reporting balances on my credit cards even when my credit cards are paid in full every month ( which they are ). 
Since I requested for my personal information not to be sold and or distribute to advertisers, my credit score when down from over 800 to below 700. This is an unfair practice and it must be investigate.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2026, I noticed hat a Paramount Recovery Services placed a Collection on my account. I have had no relations or communication with this company prior.I contacted this company and shared that I have had my identity stolen in the past. I provided my address for them to send validation of the debt. It is XXXX XXXX and I have not received this documentation. 
The account ( XXXX... ) is not my account. I am requesting that you immediately remove this traveling from all reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I believe it's possible someone has opened accounts in my name without my consent. I believe the credit bureaus has made numerous errors. First thing I am a living human. I have rights section 15 USC 1681 XXXX, Equifax, and XXXX is govern by section 15 USC 1681 And they have violated my rights numerous times. I demand these accounts listed in this report to be removed. According to 15 USC 1681 I have a right to privacy, and I did not give XXXX, XXXX, and Equifax permission to furnish these accounts. XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX  XXXX XXXX account # XXXX, these accounts are hindering me from moving forward with my finances, and should be removed. Most accounts are passed the statute of limitations that's allowed to be reported on credit report. Meaning it has been on my credit report past 7 years. I am at a loss for words on how this can happen to an American tax paying citizen.

These hard inquiries I did not make, nor did I authorize for these companies to run my credit, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Formal Complaint Regarding Experians Failure to Resolve Inaccurate Credit Report Information ( CFPB Complaint ID : XXXX ) XXXX XXXX XXXXXXXX Account # : XXXX ( also the account number from Experian is incorrect ) I am writing to formally escalate my complaint against Experian for their failure to resolve inaccurate information on my credit report within the XXXX timeframe mandated by the Fair Credit Reporting Act ( FCRA ). My initial complaint was submitted to the CFPB on XX/XX/year> ( CFPB Complaint ID : XXXX ), and despite the legal requirement for Experian to investigate and resolve the dispute within 30 days, the inaccurate information remains on my credit report. 

Background of the Issue : On XX/XX/year>, I submitted a dispute to Experian regarding inaccurate information on my credit report. Specifically, I disputed a late payment entry that does not reflect my payment history. Under Section 1681 ( c ) of the FCRA, credit bureaus are required to maintain accurate and complete information. Additionally, Section 1681 ( b ) mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. 

Despite these legal obligations, Experian has failed to correct the inaccuracies on my report. Furthermore, there are discrepancies between the information reported by the three major credit bureaus ( Experian, XXXX, and XXXX ), which further demonstrates the lack of accuracy in my credit reports. 

Violation of FCRA Timeline : Experian has exceeded the XXXX timeframe mandated by the FCRA to investigate and resolve my dispute. This delay is unacceptable and has caused significant harm to my creditworthiness and financial opportunities. 

Request for Immediate Action : I am requesting that the CFPB take the following actions : Investigate Experians failure to comply with the FCRAs accuracy and dispute resolution requirements. 

Enclosed Documentation : To assist with your investigation, I am including updated information from all three credit bureaus ( Experian, XXXX, and XXXX ) that highlights the discrepancies and inaccuracies in my credit reports. 

Legal Notice : If this matter is not resolved immediately, I reserve the right to pursue further legal remedies, including filing a lawsuit against Experian for their violation of the FCRA and the harm caused to my creditworthiness. 

I trust that the CFPB will take appropriate action to ensure that my rights under the FCRA are upheld and that Experian is held accountable for its failure to comply with federal law.
Product: Student loan

my loan was in rehab approx. 12 months and I never missed a payment. once the loan was rehabbed I was transferred to XXXX XXXX XXXX to handle my loan. I initially spoke to someone from their company in XXXX or XX/XX/XXXX. I gave payment information to process payments and my payments at the time were XXXX  and I was on direct debit with the other company. I did not received any other emails from the company in my inbox one or two went to spam the company claims they were sent but I can not confirm since they could have gone to spam. On XX/XX/XXXX my mortgage servicer requested a rapid rescore for the 20 points I needed to get my pre qual letter. it was processed and we re ram my credit on XX/XX/XXXX to find out my score dropped on one report 64 points because XXXX XXXXXXXX XXXX reported over 90 days late over XXXX. I called them immediately spoke a supervisor on that Monday and called back Every day until the following Monday. I spoke to 6 supervisors and 8 reps. none of which could give a date they tried to call and I was told more than once they will not call because I was paperless. the supervisor on XX/XX/XXXX told me my phone number was listed in red in their system and asked had my number changed I said no and asked why no one called she stated she doesn't have an answer. I found out during that week that my payments changed to 160.+ per month but I had no idea because no one contacted me or confirmed I ever received payment change information. on XX/XX/XXXX I called Ombudsman at both the dept of education and XXXX XXXXXXXX XXXX I received a call back from XXXX or XXXX at XXXX XXXX XXXX after a week of no one having a record of any phone call attempts she fabricated 2. I was told that my number was disconnected according to them on XX/XX/XXXX I have attached my phone bill and if necessary can allow you access to my account to pull the bill yourself. there is no time on any of my bills I can see a call from the servicer ever and my phone was as you see working fine -- also they fabricated a call to a second number on XX/XX/XXXX and that person confirmed and will sign a sworn statement to that effect is this goes to court that no call was ever attempted. I also gave permission for voicemail even if it was a recorded message I got no recorded messages because they are lying about calling. I lost a mortgage my broker is also willing to give a statement as well. Failure to properly communicate about this debt, payment change ect is a violation of my rights under fair credit reporting and needs to be rectified. I have consulted an attorney who advised me to exhaust all available avenues which is what I am doing. as you can see from the attached email chain the mortgage situation is real no fabricated
Product: Credit reporting or other personal consumer reports

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. 


FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 convictions of crimes which antedates the report by more than seven years.

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

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

DPT EDXXXX : # : XXXX, DPT EDXXXX : # : XXXX, DPT EDXXXX : # : XXXX, DPT EDXXXX : # : XXXX, DPT EDXXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 convictions of crimes which antedates the report by more than seven years. 

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.
Product: Debt collection

On XX/XX/XXXX I received a letter via USPS from a debt collector, Conserve. I was unaware I owed my community college any money, so I contacted Conserve XX/XX/XXXX to immediately get on a payment plan to avoid anything getting reported on my credit. They assured me over the phone I would avoid any negative marks on my credit if I set up a payment plan. They refused to provide me anything in writing. I paid XXXX dollars on XX/XX/2021. On the XXXX, I paid an additional XXXX. On the XXXX another XXXX, XX/XX/XXXX another XXXX. On XX/XX/XXXX I received notice that a collections account was reported to the credit bureaus. Not only was a collections account from conserve reported, but the entire amount of the debt was reported UNPAID. As if I had never paid them anything. I paid the debt collector as promised on time, compliant with our payment plan. I called conserve on XX/XX/XXXX and they told me payment plans dont mean anything and they wouldnt help me resolve the problem. In result I ended my payment plan with Conserve because I no longer trust the company. Ive paid them nearly {$300.00} dollars and in return theyve reported to credit agencies that Ive paid them nothing and the account is UNPAID.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet is continue to put false information on my credit report. They say they have a promise note that I am sign for. I am questing that Nelnet pick one day out of month of XXXX, and we meet in XXXX and have expert look at promise note and I will be able that it counterfeit promissory note. I think it wrong for Nelnet to try against of XXXX people.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Vehicle loan or lease

I purchased an used XXXX XXXX XXXX at one of the Carmax locations in XX/XX/XXXX The car was at  57,000 miles and sold for alittle over {$17000.00} at the time. While doing the paperwork with the representative XXXX ( she no longer works there ) she explained the warranty and said I had to purchase it, and it would cover me for the first 3 years if something happened to the car. She also told me I had to sign an arbitration agreement or she could n't sell me the car, she did n't explain the specifics of the agreement, only that I could n't join any class action lawsuits against the company. Once my car reached 100,000 miles, it started shutting off on its own and when driving a certain amount of mph it would slow down on its own as if it was going to stop in the middle of the road then after awhile it would speed up to the correct amount of mph, then stop again. I called to do a warranty claim and was told it 's over 100,000 miles so there was nothing they could do, but I still had to pay for the warranty until the end of the loan. It left me in a bad situation. Being that they could n't be of any assistance with helping with repairs. I got a mechanic to look at the car and was told the transmission was slipping and the car appeared as if it had several body work done and it was just repainted to cover accidents the car previously had, the transmission had been worked on before and it was n't going to last. I felt like I was lied to about the car fax, which is probably why I was forced to sign arbitration agreement. All my payments were made on time and it was never a problem with me making my payments. I called Carmax in XX/XX/XXXX and told them to pick up the car, they picked it up 3 months later in XX/XX/XXXXwith no notice and kept my belongings inside the car without returning them. The car was sold at an auction and I received no notice to attend, they said the could n't reach me. I received letters from a collection agency which is a breach of the arbitration agreement on XXXX behalf, I tried to rectify this several times with no resolution. XXXX has charged off the loan on my credit under their company 's name but still sent a collection agency to collect balance, once they knew they breached contract they bought the account back from the collection agency and keeping it within their collections while adding on several fees and interest after the fact they have written the account off, but making it nearly impossible to resolve this issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information being reported on my credit report for the account listed below. This dispute is in accordance with the Fair Credit Reporting Act ( FCRA ), the Metro 2 standards, and the guidelines set by the XXXX XXXX XXXX XXXX ( XXXX ) .Account Information : Creditor Name : WESTLAKE FINANCIAL SVCAccount Number : XXXX Type : Auto LoanDate Opened : XX/XX/XXXX, XXXX Balance : $ XXXX Balance : {$15000.00} ( as of XX/XX/year> ) Status : Charged Off, {$14000.00} written off, {$15000.00} past due as of XXXX XXXX above account information is inaccurately reported for the following reasons : Inaccurate Balance Reporting : Despite the vehicle being sold at auction, the balance is not accurately reflecting this transaction. The sale of the vehicle should have been applied to reduce the outstanding balance. However, this is not being reflected in the current balance.Reinvestigation Requirement under XXXX : According to the Metro 2 standards and the XXXX automated dispute system, I have reinvestigated this account three times, yet the information continues to be reported inaccurately. This continual misreporting indicates a failure in adhering to the required standards and protocols for accurate credit reporting.Re-Aging of Delinquency Dates : The account is being re-aged for late payments, which unlawfully extends the duration that this negative information remains on my consumer file. The Fair Credit Reporting Act mandates that late payments should only be reported for up to seven years from the original delinquency date. The consistent re-aging violates this regulation and unfairly prolongs the negative impact on my credit report.Given the above inaccuracies and violations of both Metro 2 standards and consumer protection laws, I request that you immediately delete this account from my credit report. Enclosed are copies of my credit report with the disputed account highlighted, as well as supporting documentation, including proof of the auction sale and prior dispute correspondence.
Product: Credit reporting

XXXX, EWS XXXX al i received my erroneous report today that still contained all the negative information, that XXXX XXXX JUST WROTE THE CFPB IT REMOVED. To address your prior lies, the dates you purport that XXXX XXXX surreptitiously deleted the account, XXXX states it was removed 5 months PRIOR.to that in fact the CFPB has proof of such, as a letter from XXXX XXXX dated XXXX XXXX, 2014 swore the accounts were removed. YOU ARBITRARILY REINSERTED THEM. YOU BROKE THE LAW.REMOVE ALL THE XXXX ACCOUNTS. AS YOU WERE INSTRUCTED TO DO SO
Product: Credit reporting or other personal consumer reports

XXXX XXXX  ACCOUNT IS OVER 8. YEARS OLD LAST REPORTED ON XXXX  THIS ACCOUNT IS OVER 7 YEARS OLD IT SHOULD NOT BE ON MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Items I had nothing to do with are reporting
Product: Credit reporting or other personal consumer reports

Payment Reporting Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX ( XXXX ) for their inconsistent and unresolved reporting of a late payment on my credit history, which I believe is a violation of the Fair Credit Reporting Act. 

In a response to my dispute, XXXX XXXX, Director of Compliance at XXXX, asserted that my loan was reported 30 days late in XX/XX/XXXX. However, this reporting is inconsistent across the three major credit bureaus : XXXX reports a 30-day late payment in XX/XX/XXXX, TransUnion reports a 30-day late payment in XX/XX/XXXX, and XXXX reports a 60-day late payment in XX/XX/XXXX. This discrepancy between XXXX 's statement and the credit bureau reports raises serious concerns about the accuracy and validity of their reporting. 

Despite my efforts to rectify this issue, including direct communication with XXXX and the credit bureaus, the erroneous reporting remains uncorrected, adversely affecting my credit score and potential financial opportunities. 

Enclosed are my payment records, the response from XXXX, and credit reports from XXXX, TransUnion, and XXXX, evidencing the discrepancies and my attempts at rectification. 

I respectfully request the CFPB 's intervention to investigate this matter thoroughly. I seek the correction of my credit records to accurately reflect my payment history and any other appropriate remedial actions. 

Thank you for your attention to this matter. I look forward to your prompt response and a resolution to this ongoing issue.