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

Hello my name is XXXX XXXX and I'm submitting this complaint on behalf of myself in hopes to resolve this matter for good. I've been requesting debt validation from XXXX XXXX which is attempting to collect a debt from me with has not been legally validated or supported with evidence THEREFORE THIS ACCOUNT MUST BE DELETED. Below I'll attach the letter I sent to them and what I asked for. 

Heres what was sent to XXXX and requested : HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH XXXX XXXXXXXX. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN. 

I demand that all of the above conditions be met and presented in Affidavit format sworn under oath or attestation, under penalty of perjury and upon your full commercial liability. Due to the urgency and seriousness of this allegation, I will give you fourteen ( 14 ) days to respond. If I do not receive such a response conforming to the above criteria within fourteen ( 14 ) days of the date of this letter, it will be deemed a tacit agreement by your acquiescence that the debt is null and void and non-existent and that permanent lawful estoppal will have been gained.

Your failure to provide Proof of Claim in the form of the above reasonably requested specific items will comprise the tacit procuration of XXXX XXXX XXXX  agreement to the following terms and conditions. 

1. XXXX XXXX is a third party interloper with no first-hand knowledge of the facts of the matter. 
2. XXXX XXXX ( or any of its affiliated agents, parent companies, proxies, etc ) does not have the legal right or lawful authority to attempt to enforce collection of the invalid claim and will not attempt to do so in the future. 
3. XXXX XXXXXXXX ( or any of its affiliated agents, parent companies, proxies, etc ) has no authority to adversely affect the credit rating of XXXX XXXX and that any negative remarks made to any credit reference agency will be removed. 
4. XXXX XXXX ( or any of its affiliated agents, parent companies, proxies, etc ) does not have the legal right and lawful authority to sell the alleged liability, pass it back to its client and/or appoint an agent to act on its behalf in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a auto loan for a car with XXXX XXXX. XXXX XXXX  had my incorrect address on file, they was sending my mail to a Virginia address, that I never lived at. I just got that Virginia address removed from XXXX, XXXX and Equifax account. I had to call to and update my address for that account. 

In accordance with the fair credit reporting act convergent Account # XXXX has 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 a account without my written instructions.
Product: Debt collection

THIS COMPANY CALLED ME ATLEAST 8 TIMES A DAY AND I HAD ASKED THEM REPEATEDLY TO STOP HARASSING ME. EVEN AFTER MY DEBT REPAYMENT PLAN WAS PAID THEY CONTINUED TO CALL NON STOP AND SAID THEY ARE ABLE TO CALL ATLEAST 10 TIMES A DAY. THEY WERE OBNOXIOUS, RUDE AND MADE PROMISES TO DELETE DEBT FROM MY CREDIT REPORT AND THEY DID NOT.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these account were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Vehicle loan or lease

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. 

Account name : # ALLY Account name : # ALLY, Account name : # Account name : # has 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 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: Debt collection

This debt, Hunt and Henriques collection law firm represent XXXX XXXX XXXX bank and is currently filed a judgment against me. I've disputed on many occasions about this situation and have not recieved a response regarding an email i sent XX/XX/scrub>/2024. 

Email/ Letter included : " According to IRS guidelines under **IRC 166**, once a debt is deemed worthless, it should not continue to be collected. The continued collection efforts raise questions regarding the debts actual value. 

Failure to adhere to these guidelines could result in IRS violations, which may incur fines under IRC 6700.

IRC 6700 imposes penalties on individuals who promote abusive tax shelters or prepare false or misleading statements regarding the tax implications of a financial transaction. The fines can be significant : A penalty of {$1000.00} for each improper promotion or representation made.

If the promoter is a corporation, the penalty increases to {$10000.00} for each violation.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically **15 U.S.C. 1692g**, I request validation of this debt, including : 1. Documentation proving the existence of the debt and its current balance.

2. Evidence showing that the debt has not been categorized as worthless for tax purposes.

3. The accounting financing statement related to this charge-off.

4. A copy of the original contract with my signature.

Additionally, under **15 U.S.C. 1692e** and **15 U.S.C. 1692f** I am entitled to request and obtain all information relevant to this debt, including any records of communications and transactions such as financing statements, charge-off accounting statements, insurance claims etc.

Furthermore, under the Fair Credit Reporting Act ( FCRA ), specifically **15 U.S.C. 1681b** and **15 U.S.C. 1681s-2**, I request that you cease any reporting of this account until proper validation is provided. 

I also wish to address your recent filing for default in court cases XXXX and XXXX regarding this matter. Given the principles outlined in both the FDCPA and FCRA, I request that you dismiss any legal actions related to this account until proper validation is provided. 

If this debt is indeed considered worthless, I ask why collection efforts and legal proceedings are ongoing. Furthermore, a breach of contract on your end of the arbitration clause. I expect your response within 15 days and anticipate a resolution to this matter ''
Product: Credit reporting or other personal consumer reports

All three major credit bureaus TransUnion, Equifax, and Experian are still reporting a medical collection account from XXXX XXXX XXXX XXXX, originally from XXXX XXXX, on my credit reports. Under the CFPBs finalized rule effective XX/XX/2025, medical debt is prohibited from being reported on consumer credit reports used for credit decisions. Despite this, all three bureaus continue to report this medical debt, which violates the current federal regulation. I am requesting that this account be removed from all of my credit reports immediately in compliance with the CFPBs rule.
Product: Debt collection

After reviewing my credit, I noticed accounts that are unverified and accounts that do not belong to me. These accounts MUST be removed immediately if you ( the credit bureaus ) do not provide proof that these accounts were opened by me. I want a copy of the documents you used to verify the validity of these accounts. If you do not provide this information in the next seven days ( 7 ). YOU MUST IMMEDIATELY REMOVE THESE ACCOUNTS. 

Collections XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX Ser XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX Inquiries -Rise, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Web Bank/onemain/ Equifax, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXK XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALL NEGATIVE CLOSED ACCOUNTS ARE IN VIOLATION
Product: Vehicle loan or lease

In XXXX of XXXX, Santander hired a towing company to repossess a XXXX XXXX XXXX from residents located in XXXX, WI. During the reposition attempt, the towing company driver was told to leave premises, which he did however, the repossion agent called the XXXX police and told them that a XXXX was pointed at him during the repossession. The XXXX police came to the residence a handcuffed me, removed from the premises so the reposession agent could take the vehicle even though I contested the repossession the first time. Santander and the repossession agent were found guilty of violating Wisconsin state law and federal laws in federal court in the state of Wisconsin in the city of XXXX and arbitration was done to settle the federal court case. Now Santander is sending a XXXX to the IRS for the debt they incurred on because of the violation of the law. This should not be incurred as a debt or income for the year based on the fact that this was a settlement from a damage hearing incurred by their violation of state and federal laws.
Product: Credit reporting or other personal consumer reports

Formal Dispute & Method of Verification Request FCRA 609, 611, & 623 To Whom It May Concern, I am formally disputing inaccurate information on my TransUnion credit report under the Fair Credit Reporting Act ( FCRA ). Despite my previous dispute, you have verified the item without proper documentation. Under FCRA 611 ( a ) ( 7 ), I am requesting the Method of Verification ( MOV ) regarding how this information was verified.

Additionally, under FCRA 609, I am requesting the following documentation used to verify this account : The original signed contract or credit application proving I authorized this account. 
Copies of any billing statements, payment history, and transaction records associated with this debt.

The name and contact information of the individual at the creditor/collection agency who verified the account.

Furthermore, under FCRA 623, I am disputing the accuracy of this item and requesting that the data furnisher ( creditor/collection agency ) provide direct validation of this account. If the furnisher can not provide documented proof, they must correct or delete the item from my report. 

Disputed Account ( s ) : Charge-Offs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Failure to Provide Documentation or Remove the Item If you can not produce the requested documents, you must delete this account from my credit file as required under the FCRA.

If the data furnisher fails to validate this debt, they are in violation of FCRA 623 ( a ) ( 3 ), which requires accurate reporting.

If TransUnion fails to comply, I will escalate this matter with the CFPB, FTC, and possibly legal action for non-compliance.

Please respond within 30 days with full documentation or confirmation of removal.
Product: Money transfer, virtual currency, or money service

I tried to set up a transfer to my GBP account in the XXXX and noticed Chase is using a different rate than what I see on XXXX ( screenshots attached ). I understand Chase needs to make money off of transfers, but I would like to see these fees upfront when I make a transfer. As pictured, all I am being shown is a XXXX USD transfer fee but they are obviously making money off of the exchange but this is not mentioned in the transfer flow.
Product: Debt collection

THIS COLLECTION COMPANY IS TRYING TO COLLECT AN ALLEGED DEBT WHICH IS NOT MINE AND A VIOLATION OF MY FCRA RIGHT. I REACHED OUT TO THIS COMPANY VIA EMAIL ASKING FOR PROOF OF THIS ALLEGED WHICH CANT NOT BE FURNISHED SO THESE ACCOUNTS NEED TO BE REMOVED FROM MY CONSUMER REPORTS.
Product: Money transfer, virtual currency, or money service

I filed a claim with my bank Wells Fargo for a transaction I paid for using my debit card with XXXX logo. I had been informed my purchases were protected. Wells Fargo closed my claim inquiry. I asked them why it was closed and they told me I would need to contact the merchant directly as I used a 3rd party app to pay for the service I did not receive. I know countless people who have used 3rd party apps and the validity of their claim was not based on who processed the payment.I paid a merchant for a service I did not receive and I have text communication from that merchant that proves I did not receive the service. I need to have the claim reopened so that I may provide the documentation that supports my claim. Wells Fargo did not even request supporting documentation. XXXX or Wells Fargo should refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM financial reported to the three major credit credit bureaus that my auto lease was a charge off. During my installment auto lease, I never paid late. All payments was made via my GM Financial online account. Paperless. After my lease ending I checked my balance online several times. My online balance showed a zero ( 0 ) amount. 
Several months later I received a call from GM financial collections stating I had an outstanding balance of {$1100.00}. I explained to the representative that I was not going to make a payment when # 1. My online account balance showed a zero owed amount and # 2. I had no clue what the {$1100.00} was for? The representative said they would send me the information in the mail. I never received ANY correspondence from GM financial via the mail, during or after my lease. Remember, I have a paperless bill account. A few months later I tried to apply for a new credit card and I was denied. 
So I pulled my credit report and to my surprise, I have a negative mark on my report for this lease. When I contacted GM financial, they explained that the {$1100.00} was for my lease disposition fee and excessive wear on my tires. I explained that I had an insurance policy purchased at the time of my lease to cover any excessive wear. When the representative looked up my account they confirmed that I indeed had a policy. They said the GM financial had made an error and only billed the Insurance company {$85.00} and they would take care of it. At this time I still had an issue with regards to the disposition fee. I explained I never received any notification of a balance for the disposition fee. As it turns out I am correct. GM financial sent the bill to a old address which I had to lived in over two years. When I asked why the fee did not show on my online account balance, they said they only mail these bills. Remember, I have a paperless payment account!!! So I paid the disposition fee. 
Now, today XX/XX/21, My credit report still shows an outstanding balance of {$500.00}, late payments and a charge off. XXXX refuses to remove this negative mark from my credit report. So I have an issue with XXXX and GM Financial XXXX case # XXXX GM Financial account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma , Inc. refuses to update my legal name after over 60 days since XXXX  provessed my legal name change on XXXX XXXX. Due to the name discrepancy, I have been unable to withdraw {$10000.00} of tax return funds to my external bank accounts. Credit Karma representatives claimed multiple times over the course of 2 months that XXXX  needs to update my name first when it had already been updated previously. 

I have submitted all related documents to prove the legality of my name change and repeatedly requested for investigation and clarification, but I was never given a clear status on their through their customer service line. To this day I have no way to access the funds due to Credit Karmas negligence.
Product: Debt collection

Rented a home in XXXX, Alabama. The realty company communicated with a 3rd party collections agency without contacting me about resolving the debt sent from the realtor. The charges listed were incorrect, but the issue was not properly resolved. I attempted to communicate with XXXX about the accused debt by letter, phone and email without response, but was sent to a debt collections with no communication from the company.
Product: Credit card or prepaid card

Re : XXXX XXXX store credit card account through Comenity Bank, interest-free promotional plans. 

On every Comenity Bank XXXX XXXX monthly statement are these instructions : " You must pay your promotional balance of $ XX in full by DD/MM/YYYY to avoid paying interest. '' If you follow those instructions provided by Comenity Bank XXXX XXXX on your monthly statement " to avoid paying interest '' and you have more than one promotional balance, you will definitely NOT pay off your balances in time to avoid paying interest. Those instructions are totally false and misleading. 

When you send in a payment on your Comenity Bank XXXX XXXX account, even if it is above or in addition to the minimum monthly payment due, they split every payment among any other promotional balances you have. 

For example, if my Comenity Bank XXXX XXXX statement says I have a promotional balance due today of {$100.00} and I send them {$100.00} today, I will NOT avoid paying interest on that promotional balance if I also have another promotional balance ; they will split that {$100.00} among any other promotional balances I have. 

If I want to pay off the {$100.00} on that promotional balance due today " to avoid paying interest, '' I must actually send Comenity Bank more than that. Comenity Bank does NOT explain this anywhere on the monthly statement. I would have NO way of knowing how much money I actually need to send today to pay off that {$100.00} balance. 

There is nothing on the monthly statement explaining this allocation of payments in general. Furthermore, if customers who have more than one promotional balance follow the instructions that are provided by Comenity Bank on their monthly statements, none of them will ever receive the promotional " offer. '' Comenity Bank is offering interest-free financing and appears to be providing misleading instructions which can actually ensure that customers will not benefit from it. Appalling.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal XXXX XXXXXXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXXXXXX XXXX  the financial institution and the Consumer reporting agencies XXXX XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, Equifax, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXXXXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.