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

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2. Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
3. Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 
Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX  XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX XXXX XXXX XXXX  ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 
Demand for Immediate Action I demand the following actions, without delay : 1. Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2. Provide a comprehensive written explanation detailing your investigation process and results.

3. Permanently remove or block all inaccurate information associated with my identity theft. 
Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

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

I understand that the XXXX credit bureaus report information they received. How many times must I keep reporting the same problem. Then I was told that you all are the ones that monitor the credit reports. I'm not sure how that work, but to me it seems like a conflict of interest to me. How can I receive fair credit reporting if you all are working together to keep me where I'm at, I feel this is discriminatory and unfair to me. Every time I feel I'm getting ahead, the bureaus do something to knock my score down. I'm a XXXX Veteran and I have tried everything to get my credit report straight. I have had enough, something has to be done about this, not only is it unfair but it's out and out discrimination ....
Product: Debt collection

TODAYS DATE:XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT LVNV FUNDING LLC XXXX XXXX XXXX have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

I set up autopay from my bank account to make payments so I would not forget. ( Which I have no clue why I was paying it because I only owe 2 student loans and this 3rd bill came from nowhere I guess ). The University continued to take said auto pay from my account for months. 
Out of the blue, I get a notification from XXXX XXXX, I have a debt collection hit on my credit score! Come to find out, my payments have been stopped and I have been turned into collections. I never asked them to stop taking payments, never changed banks, and never ended the checking account with my bank. I still have the same everything. 
How on earth can this happen? Clearly, I have never missed a payment on any debt I have and that can be seen on my credit report that states 100 % payments made history. I have no clue on how to even go about taking care of this, but I do know, that bill that I had payed down has accumulated into a bigger amount and I have done nothing to make this happen. I'm so upset. There should be laws on stuff like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a bank account with bank XXXX XXXX years ago. I ended up over drafting my account I asked questions about my credit ect I was told if I pay the balance I wouldn't be reported to any agency there would be no penalties but the account would be closed. I paid using all the money I had. When XXXX hit i tried to get a loan, i tried to open an account with a credit union i tried to get assistance i tried to go into business for myself all failed due to account becoming marked as closed for fraud in chexsystem even though it was closed due to over draft and bank XXXX XXXX kept transferring me around for hours my phone log will show i have called bank XXXX XXXX and check systems for years and spent hours and called daily trying to get it corrected or removed I specifically asked in my dispute for proof in writing I did not receive that and chex system wont remove it bank XXXX XXXX said chex system houses it and would need to dispute it and i have I read the fcra and it states that inaccurate information must be removed and it is inaccurate but they will not remove it and it is causing a delay in my financial life as well as costing me to lose XXXX XXXX XXXX they keep saying there is nothing they can do about it. I have requested them to send me a explanation in writing how this is accurate and they declined. This was a over drawn account that is paid off not closed for fraud and chex systems told me they dont actually investigate it they just upload what is sent and stated bank XXXX XXXX did not send the proof i requested in writing but still did not remove it as they broke regulations i have the right to ask for proof of what is being reported and it has been years the last dispute has been about 60 days still no proof in writing from either and chex systems still hasnt deleted it they are reporting lies and it is unethical and im finding alot of issues with how i am being treated. Please help be get this removed as I would hate to waste any more years my family and i are suffering over their lies.
Product: Debt collection

Southwest Recovery Services was paid for an outstanding rental debt that had been paid upon the agreement between myself & the collector that the debt be permanently removed from all XXXX credit bureaus XXXX. They have failed to take any action, which has resulted in difficulty for me to secure housing.
Product: Debt collection

Do LVNC founding company threatened me placing debt collector on my credit report with out notify me about this matter I requested full disclosure an sign documents saling my personal information to uptain founds
Product: Credit reporting or other personal consumer reports

XXXX XXXX [ XXXXXXXX XXXX XXXX  ] [ XXXX, Tn, XXXX ] XXXX ] [ XXXX ] Date : [ XX/XX/2025 ] National Credit Systems Subject : Dispute of Inaccurate Credit Report Information Dear [ National Credit Systems ], I am writing to formally dispute the inaccurate information on my credit report. The item in question is listed under National Credit Systems with an open balance of {$5800.00}, reported as of XX/XX/ 2025. 

I am disputing this account for the following reasons : The account is marked as open despite being placed for collection. 

There are duplicate remarks stating, Account information disputed by consumer, which suggests inconsistent reporting. 

It is unclear why National Credit Systems is listed as both the original creditor and the collection agency. 


I kindly request a thorough investigation into this matter. Please verify the accuracy of this information with National Credit Systems. If the account can not be verified, I request its removal from my credit report. 


I appreciate your attention to this matter and look forward to your timely response. 

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

I have recently paid down several accounts of debt, substantially. My credit score was increasing daily. XXXX XXXX alerted me of a change. Upon checking into I see that XXXX has increased my score while Equifax has dumped my score by 25 points for PAYING DOWN MONIES. This is not the first time I have had this issue with Equifax. I do believe that this is unjust and I feel that they are specifically targeting my account as this seems to be normal practice for them. I would like a full explanation. I would also like my credit score to be increased, as it should be. I am concerned for other consumers who are being taken advantage in this manner. Why would a score decrease when a consumer is in good standing and is PAYING OFF DEBT?
Product: Credit card or prepaid card

Summary : American Express offer XXXX bonus points for new cardholders. Key events are as follow : 1 ) On XX/XX/XXXX, my application was approved, an Amex rep confirmed over the phone that the spending conditions were met, and wait for 4-8 weeks for the points to be deposited. Note that the phone call happened some times between XXXX, and there should be a recording for this conversation. 


2 ) On XX/XX/XXXX, I attempted to reach out via Amex 's Chat Support. Amex reps told me that the account was not eligible for the bonus as there was a warning notification about accounts not being eligible. Note that I had not seen any warning or popup with similar message. I inquired about evidence that it happens, and asked for explanation of conflicting message that the phone rep gave earlier as mentioned in ( 1 ). Amex rep opened internal investigation. 
3 ) On XX/XX/XXXX, I reached out again via chat. The rep said the investigation was closed, without providing any further information as requested in ( 2 ). The reason is essentially : " the machine decides it, we can not interfere ''. 

As the case concluded without evidence showing no wrongdoings either side, just a vague message about the root cause, I am now filing a formal complaint to CFPB hoping to get satisfactory results. 

Attached is the chat messages with Amex rep for more detailed context.
Product: Credit reporting or other personal consumer reports

Dear I am writing to dispute the incorrect information that is listed on my credit report. According to the Fair Credit Reporting Act, Section 611, I have the right to dispute any inaccuracies in my credit report. It is my belief that this information is incorrect and is harming my credit score.

The following information is inaccurate : REGIONAL ACCEPTANCE CORP Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$8.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$15000.00} Highest balance - Terms 74 Months On record until XX/XX/XXXX I would appreciate it if you could investigate the matter and correct the information on my credit report as soon as possible. Please send me a copy of the corrected report once it is updated. 

Thank you for your time and assistance in this matter. 

Sincerely, [ Your Name ]
Product: Credit reporting or other personal consumer reports

2nd request i am a victim of identity theft, please see attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Credit Reporting Agencies XXXX  and Equifax for the following FCRA violations : 1. Pursuant to 15 USC 1681b ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give these credit reporting agencies any written instructions to furnish the following inaccurate accounts.

2.Pursuant to 15 USC 1681a ( 2 ) ( b ) a consumer credit report should not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. They are in violation of the above-named Title and Section.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX  Balance Owed : {$5500.00} XXXX XXXX  Balance Owed : {$630.00} XXXX XXXXXXXX Balance Owed : {$200.00} XXXX XXXXXXXX Balance Owed : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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. 

XXXX  XXXX : # XXXX has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX  : # XXXX has violated my rights. 
XXXX XXXX XXXX  : # 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 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 card or prepaid card

I once had an open account with FIrst Progress Credit Card Company which was a secured credit card. The account was closed XX/XX/XXXX. At the time that the account was closed there was not a balance owed from me to the credit card company. There was a {$0.00} balance which means the credit card company must refund me my deposit of {$400.00}. I reached out to the company and was told that I would get the refund by mail in 70 days to 10 weeks. That time came and went and I have not received my refund yet. I have reached out to the company several times through phone calls and I have even sent them a fax requesting the refund on XX/XX/XXXX. I called XX/XX/XXXX was told to call back in 1-2 days to see if the request was updated. I havent been able to speak with no one that can really help me resolve this issue. Today is XX/XX/XXXX and I still havent gotten my money back and I need some one to help me resolve this issue because clearly the company is playing games.
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.

Account Name : 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 XXXXXXXX and list of Inquiries 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 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, XXXX, and Equifax 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 BANK - XX/XX/XXXX ( {$2600.00} )
Product: Bank account or service

I opened a checking account with USAA to which I set up direct biweekly deposits in the amount of {$100.00} each. My wife was a joint account holder on the account. This account served as a " sinking fund '' into which I put money aside ; there were no withdrawals, and so I did check the account balance until I was sure that a few direct deposits had been made. When I checked the balance, I discovered XXXX withdrawals totaling {$170.00} which I had not made. I knew that my wife, the joint account holder had not made these withdrawals. USAA 's customer service rep told me the funds had been withdrawn by the bank itself ( i.e. " set off '' ) pertaining to an account held by my wife PRIOR to our marriage. Thus, USAA wrongfully set off the funds for a debt that was not legally mine because that debt arose prior to my marriage and can not legally be attached to me. Further, I do not live in a community property state.
Product: Student loan

XX/XX/XXXX : Complete loan balance of {$240000.00} paid off in agreement with letter from navient stating 10day pay off amount XX/XX/XXXX : Received letters via email and mail stating that both accounts that I had with navient were paid in full. 

XX/XX/XXXX : Email received and first point of contact made by Navient stating that student loan was going into repayment. 

XX/XX/XXXX : Called Navient and spoke with representative XXXX XXXX and supervising manager XXXX XXXX. Informed that Navient had processing error and " found '' loan balance that has been accruing interest since XX/XX/XXXX. Stated I would be responsible of loan amount. Informed manager that last point of contact I received from Navient were 2 documents stating that both loans were paid in full. Unaware of any " balance '' Navient " found ''. XXXX XXXX said he would look into it. He emailed supporting documents but otherwise has been unable to be reached. Other representatives have tried to contact him but unreachable at this time.
Product: Vehicle loan or lease

I leased a mercedes benz back on XX/XX/2023. The car was deemed a lemon by the dealership 4 days later. The dealership advised me that they will reach out to their corporate HQ for resolution and made my car payments until they had an answer. XXXX XXXX XXXX is an insurance company for mercedes paid off the vehicle today and gave me a refund of my down payment of XXXX. They advised me that Mercedes Financial services also sent them a check of XXXX for the vehicle. Mercedes benz Collection unit has this information in their system however they want me to send them either the payoff of XXXX or XXXX to bring the account up to date. They see in their system that a payoff check was sent by their own company. However they warned me that they will report me negative to the Credit card reporting agency. I asked for a supervisor. However they advised no one was available.