23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Loan ID XXXX : Date Opened XX/XX/2022 Loan ID XXXX : Date Opened XX/XX/2022 Loan ID XXXX : Date Opened XX/XX/2022 A police report, affidavit, and merchant letter have been provider to AFFIRM in my favor. To no avail, this company has placed this item on my credit report with no response to my request to find out how these items were validated. On one hand the company is telling me that they can not provider me any information because the orders are not in my name. But these items remain on my credit report with weekly updates that indicate a late pay. AFFIRM has killed my credit score I have also asked for arbitration in this matter with no response The 3 referenced accounts have been in Disputed with Affirm. As of XXXX, 1 of the 3 accounts had been place on my credit report and successfully disputed under XXXX. XXXX reviewed the affidavit, police report, and vendor statement finding the information sufficient in my favor and 1 of the 3 accounts was deleted. Today AFFIRM has place the other 2 account on my credit report. In addition, the 2 accounts newly placed show at 2 % and 5 % paid which is incorrect. From the beginning these accounts have been identified as fraud and no payment from me was ever made. The police report, affidavit, and merchant statement indicated that these are not my accounts. Affirm will only state that their review indicates that I am liable. There is not a live person to speak to regarding the findings
Product: Credit reporting, credit repair services, or other personal consumer reports

To make a long story short I finally decided to start the process of buying a house and not rent because its just costing to much on rent. The bank denied me and I went to look at my credit to see why or if its something small i can handle and I saw alot of things on my credit that is not mine. I filed this with the FTC and I also call the police here in XXXX. I also saw a banktuptcy and I dont know where that even came from. I talked to my friend who is an attorney and called the bankruptcy court and the clerk said I did not have a bankruptcy filed with my social security number and she told me to call another place XXXX XXXX and they said the exact same thing. There are also some student loans and I barely finished highs school so I know I didnt go to college. Here are the accounts im talking about XXXX XXXX, XXXX, US Dept of Ed, 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 and the inquries is XXXXXXXX, 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. Can someone help me Im doing this by myself.
Product: Debt collection

NOTICE FOR REQUEST OF CERTIFIED MAIL RETURN RECEIPT WITH MY WET HUMAN SIGNATURE AND CEASE AND DESIST OF SLANDER HARRASSMENT EMBARRASSMENT THREATS DEFAMATION COLLUSION COLLECTIONS FALSE REPORTING & 18 USC 96 CAUSING HARM NOTICE INTENT TO SUE REPEATED OFFENDER AFFIANT : XXXX XXXX XXXX XXXX XXXXXX/XX/year> DEFENDANT : : SOUTHWEST CREDIT SYSTEMS XXXX XXXX XXXX XXXX : XXXX SUITCASES SURETY BOND HIGHEST BIDDER SUBPOENA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AFTER SURETY BONDS RE : ALLEGED ORIGINAL CREDITOR : XXXX  ALLEGED ORIGINAL CREDITOR ACCOUNT NUMBERs : XXXX ALLEGED DEBT AMOUNT OR BALANCE {$230.00} CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX DEAR : SOUTHWEST CREDIT SYSTEMS INC -BULK DEBT COLLECTOR BUYER STOP VIOLATING THE FDCPA USC 1692 [ I NEVER gave your company consent to use this account/ESTATE XXXX XXXX XXXX XXXX XXXXXXXX ] EXHIBIT XXXX XXXX I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. ACCORDANCE TO 15 USC 1681s-2 ( a ) ( XXXX ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE DELETE THIS ALLEDGED ACCOUNT FROM MY ALL-CONSUMER REPORTS IMMEDIATELY. SEND ONLYCERTIFIED MAIL WITH RETURN RECEIPT WITH MY HUMAN SIGNATURE. FORWARD FLOW AGREEMENT, CHAIN OF ASSIGNMENT, PURCHASE AGREEMENT, SECRURITIZED OF THE DEBT. 
XXXX : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED MY CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT XXXX AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY. OR CFPB WILL SUE SOUTHWEST CREDIT SYSTEMS XXXX XXXX XXXX, YOU HAVE 3 DAYS TO DELETE AFFIANT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WITHOUT PREJUDICE WITHOUT RECOURSE STOP PLAYING WITH MY PERSON
Product: Debt collection

Target national bank has enter an account that 's not mines for XXXX and it 's damaging my credit. I never had an account with them.
Product: Debt collection

Hello. I have previously submitted a complaint to Barclays bank in regards to a late payment in XX/XX/2021. Since then Barclays bank has issued me a refund of the late fee due to my request. According to the United States 2021 Covid Cares Act. Once a consumer had/has been accommodated of any request on their account by a creditor in my case refund of late fees He or She is entitled to removal of said late payment/s from their account, as well as the credit bureaus. I am reaching out to you so that you can make sure that this Covid Cares Act is legally upheld on my behalf Regards XXXX XXXX
Product: Debt or credit management

Tried to get verification info to log into my account from Credit Karma sent to my phone, but there's another number I never gave to the company where the verification codes are being sent. They sent a code to my email, only to tell me to install the company app, then the company app said they were sending the final verification to the anonymous number that wasn't mine. I know it's not a number I gave because they showed the last 4 numbers of the number they sent it to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is  a Private Student Loan a ccount that was originally through  XXXX . The account was opened on or around  XXXX / XXXX / 2008 . The outstanding balance currently reflected is for {$19000.00}. I hired a consumer attorney to represent me for this account. After certain information that I have provided,  XXXX  deemed that I was no longer liable for this account.   XXXX   and  XXXX  have already been updated, they have removed the  XXXX   XXXX   XXXX  account from my credit reports, however, Equifax has not removed this account. I have disputed this account several times on Equifax, and each time, they respond with the creditor has validated this debt. I have called  XXXX  several times and talked to several people, including supervisors, and no one knows what to do or whom to talk to, and apparently does not have record of THEIR ACCOUNT.  XXXX  directs me to contact  XXXX   XXXX   XXXX   (    XXXX   ). I have called  XXXX  several times, and have spoken to several people, including supervisors, and they have no record of my account.  XXXX  directs me to contact  XXXX , as they are the ( only -  XXXX  is NOT ) lenders reporting on my Equifax credit report. The numbers that I have tried are  XXXX  (   XXXX   ),  XXXX  ( old  XXXX   XXXX   XXXX  line - which no longer works ),  XXXX  (  XXXX  - this is for Federal Student Loans ). In other words,  XXXX  and  XXXX  are pointing their fingers at each other, and I am just the man-in-the-middle ( the one whom is suffering from this dilemma ). This is very frustrating, and it should be something very simple to accomplish. I am no longer liable for this account, whom do I need to talk to?
Product: Credit reporting or other personal consumer reports

I am writing to describe a troubling experience I had with inaccuracies in my credit report, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. On [ insert XXXX2025, I obtained my credit report from experian and discovered several inaccuracies that included such as erroneous account balances, accounts that do not belong to me, or incorrect late payments. I promptly disputed these inaccuracies with the credit reporting agency, providing supporting documentation that clearly indicated the errors. However, despite my efforts, the agency failed to conduct a thorough investigation as mandated by law, and I did not receive any meaningful resolution or timely updates regarding the status of my dispute. As a result, these inaccuracies remain on my credit report, negatively impacting my credit score and inhibiting my ability to secure credit. I am concerned that this situation reflects a broader issue of non-compliance with FCRA requirements, which are designed to protect consumers like myself from the detrimental effects of inaccurate credit reporting.
Product: Credit reporting or other personal consumer reports

I logged complaint # XXXX on XX/XX/XXXX and on XX/XX/XXXX Experian responded saying they would reinvestigate the complaint and respond in " up to '' 30-days. Well it has now been 32 days and they are in direct violation of my F.C.R.A rights. Now that they have failed to provide a resolution in the 30 day time period I demand the inaccurate reporting placed on my credit report by XXXX XXXX XXXX XXXX. I logged complaint # XXXX on XXXX XXXX XXXXXX/XX/XXXX and they sent a simple reply " we need more time to investigate '' on XX/XX/XXXX and no further response sense then. I do not care that CFPB gives up to 60-days to resolve a matter F.C.R.A says 30 days is sufficient. I have disputed this multiple times over several years to only get ignored by both the bank and credit bureau. I will proceed with legal matter if this is not deleted and a response is provided in a timely manner.

I do see where Experian sent the same request they always send to XXXX which is asking them to verify the debt, and yet again XXXX sent back a letter saying it was verified. 
I AM NOT DISPUTING THE DEBT IS MINE, I NEVER HAVE DISPUTED THAT FACT!!!! 
IT IS THE SIMPLE MATTER THAT XXXX LOGGED THIS ON MY REPORT AS CHARGE OFF, THE SAME MONTH THEY AGREED TO ACCEPT A DEBT REPAYMENT PLAN, AND THE SAME MONTH THEY RECEIVED THEIR FIRST PAYMENT VIA THE REPAYMENT PLAN. THIS SHOULD HAVE NEVER BEEN REPORTED AS A CHARGE OFF. 

I initially logged my CFPB complaint on XXXX XX/XX/XXXX XXXX even though they provided a brief response on XX/XX/XXXX the clock legally starts from the day I logged my complaint. So they are way over their time limit to provide a resolution. XXXX also mailed a copy of about XXXX or XXXX statements from XXXX, with no cover letter or explanation as to why I am receiving those ; So I am hoping their incompetent staff do not think that was a valid response, it clearly doesn't address my complaint. 

Also CFPB has failed to hold both the credit bureau and creditor responsible, I am perusing information on how to file against CFPB for their lack of assistance as well.
Product: Credit card

close the fraudulent account and send you a letter confirming that : the fraudulent account is mines yours im aren't liable for the account please removed from your credit report XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX
Product: Debt collection

My wallet was stolen years ago and I had no acknowledge about this debt, I have never lived in XXXX XXXX XXXX XXXX. I want this off my credit report, prove it's my debt
Product: Credit card or prepaid card

Comenity Bank suspended my cc account because of what they said were " potential security concerns '' without notifying by phone, text or email. The only way I found out my account was suspended was when I tried to it. Only 5 days later did I receive a letter telling me the account was suspended. I called the bank and asked them why my account was closed .The bank representative stated that there was " potential security concerns '' and that I needed to send them proof of who I was ( see attached letter for details ) which I did. I have been with XXXX for over 10 years with XXXX XXXX XXXX managing the account, no problem with them. Only recently has Comenity Bank started managing XXXX credit accounts. If I had been on vacation some where I would have been in deep trouble not being able to pay for anything. No less I had to correct all auto payment that were connected to this account making sure all charges were paid ( my wife 's health insurance ). I have since opened account with XXXX XXXX and plan on closing the Comenity Bank ASAP. Never in my 50 years of having CC has this happened to me ( XXXX XXXX XXXX ). 
Thank you for reading this XXXX XXXX
Product: Credit card

I called Bank of America to lower my Interest Charged. they say no because they do not have any offers. For almost years every month I pay almost XXXX just on Interest Charged. 
Also, I called t credit counseling services, they do not a fair program I want to pay for debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XXXXX-2018, I had checked my credit information on the website XXXX XXXX XXXX And I have found some incorrect information regarding my name and my information used. The name that was used its spelled XXXX XXXX along with the address XXXX XXXX XXXX XXXX XXXX, XXXX SC. That is not I so I feel as if somebody is using my information under that name for identity theft.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress.

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Hello Im reaching out because Im having an issue with my student loans.

As of recently Ive been having some health issues that kept me from making my timely payments on time as I normally do. Its been reported that Ive been 9
0days past due to the credit bureau, which caused a dramatic hit to my credit score. Ive had perfect credit for years now.. I pay all my bills on time and sometimes more than what is asked of me. Im asking for a Goodwill Deletion, seeing this is the first time that Ive ever been late. Im a XXXX XXXX doing the best I can. Im currently starting my house buying process and this has set me back hugely!! 

XXXX not disputing that I was late, however I would greatly appreciate it if I wasnt punished to such magnitude over my very first mishap. My XXXX XXXX dropped XXXX points. Once I caught wind of the situation I went ahead and made the account current, even offering to immediately pay it the entire balance. If there is anything you can help me with Id greatly appreciate it
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( XXXX ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit bureau is outsourcing call centers to ignorant foreigners in XXXX that should never have U.S. consumers social security numbers and proprietary information. When I call Equifax and ask to be transferred to a representative in the United States, the do not honor my request. Equifax should be fined for this practice. 

Equifax is charging me monthly in the amount of {$17.00} for a Equifax Complete Advantage that entitles me to unlimited credit reports and score. I have tried to access my report today and in the past and am unable to do so. The website gives me a message that they are unable to complete my order and directs me to call Equifax at XXXX. I have called this number and the ignorant foreigners in XXXX advise they can not get this fixed and they escalated it to the Equifax I.T. department to resolve. Over a year later, I am still having this issue and it does not get resolved. 

I am submitting this CFPB to try to resolve the issue with Equifax. 

Consumers should be angry that their Equifax credit reports and Social Security Numbers and confidential credit information is being sent overseas to XXXX and possibly other countries. 

XXXX XXXX gave these greedy companies huge corporate tax breaks and the corporate greedy companies send our U.S. jobs offshore. 

Shame on a Equifax and corporate America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about a XXXX XXXX that was opened on XX/XX/XXXX and closed on XX/XX/XXXX. The situation is my account was closed due to a misunderstanding. Fast forwarding they had agreed since everything was paid off they would remove this account from all credit file agency 's. 

The main issue is it says account closed by credit granter. I always paid them on time and this whole thing was a misunderstanding. When they tried to call me I never got the call. I was a good client for years and as there supervisors told me they understood why I would feel the way I do and would remove entire thing from file. They have yet to do so. 

I have good credit and don't want a misunderstanding on my credit report. I would hope citi honors what there supervisors had said. I have spoken to them several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts belongs to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX Personal Loan Companies XX/XX/XXXX Experian US SM BUS ADMIN ODA Federal XX/XX/XXXX Experian XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Debt collection

I went to check my credit report on XX/XX/2017 and found a couple items on my report that I was not aware of that was in collections from a company XXXX FUNDING LLC in the amount of XXXX and XXXX. I have sent in multiple letters to this company and even placed a police report with my local department. I also have made a complaint via this platform which should show on file of my previous letters sent to the company. They have not provided me with the proper information to verify this alleged debt. They continue to report negative only on my XXXX credit report. Included is the letter I have sent them along with a copy of the police report.
Product: Credit reporting or other personal consumer reports

The problem is with CREDENCE RESOURCE XXXX I'm not liable to pay this debt because my original contract was with XXXX XXXX XXXX and I did not authorize them to sell my information to this company this account has been deleted on it's own under XXXX XXXX XXXX so they basically resold my information which is against the law