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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/1989 Dear Sir/Madam, I am writing in regards to the accounts listed on my credit report. Upon reviewing the report, I have found several errors and inaccuracies that require immediate attention. 



Firstly, I would like to dispute the late payment account listed under my name with XXXX XXXX XXXX  ( Account Number : XXXX ). I have not made any late payments on this account and request that this be rectified in your records. 



Secondly, the charge off accounts with XXXX ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), XXXX  ( Account Number : XXXX ), XXXX XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXXXXXX XXXX Account Number : XXXX ), XXXX XXXX  ( Account XXXX XXXX XXXX ), XXXX  XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), and XXXX XXXX XXXX ( Account Number : XXXX ) are inaccurate and need to be removed from my credit report as soon as possible. 



Furthermore, the collection accounts with XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX Bank XXXX XXXX XXXX Account Number : XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ), and XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) are also incorrect and require immediate action. 



Moreover, I would like to bring to your attention that I have filed for bankruptcy ( case number : XXXX ) and would request that you update my records accordingly. The bankruptcy case number is XXXX and XXXX. 



Finally, I have noticed inquiries on my report from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which were not authorized by me. I request that these inquiries be removed from my credit report immediately. 



I believe that the above-mentioned errors on my credit report have caused considerable damage to my credit score, and I am requesting that they be corrected as soon as possible in accordance with the Fair Credit Reporting Act. Please confirm receipt of this letter and let me know when I can expect a response from you. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX  XXXX XXXX : # XXXX, XXXX  XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I am a natural person, a living human being. I have rights under law 15 USC 1681, And they have violated my rights several times. I demand the accounts listed below be removed from my credit report because According to 15 USC 1681. I have the right to privacy and did not give Transunion written permission to furnish these accounts. 


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

You have have reported transactions on my credit profile between myself XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, according to the FCRA to 15 USC 1681a ( 2 ) ( a ) ( 1 ) except as provided in paragraph 3, the term consumer report does include reports contain information solely as to transaction. My transaction history between I and the creditors are EXCLUDED from the consumer report. Delete all these alleged late payments, ALL items marked late as demanded. My federally protected consumer rights are being violated. I am being harmed financially, emotionally and physically due to these unfair and defamatory remarks. On several occasions I have demanded that the credit reporting agency uphold 15 USC 1681 that my privacy be respected the financial institutions have all failed to provide disclosure XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, that would allow me to opt out of reporting transactions. we are in an arbitration and there is a charge off from XXXX on my credit profile. I demand that it be taken off. This is my final notice before filing a law suit for injury. I have not been able to find stable housing due to your defamation of charter on my credit profile and I have filed with the FTC aggravated identity theft. As you are acting as the one whom knows more than me what is and what is not valid on my credit report. Although I have disputed According to 15 U.S.C. 1692 ( e ) ( 1 ) is a subsection of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using false, deceptive, or misleading representations or means in connection with the collection of any debt. Specifically, this subsection provides that a debt collector may not : " ( 1 ) use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( A ) The false representation of -- ( i ) the character, amount, or legal status of any debt; or ( ii ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ''
Product: Debt collection

total amount of false debt {$230.00}. 

IC Systems debt collection company for XXXX. This company is trying to collect a cable TV bill. I advised this company this was not my bill. They provided a falsified XXXX  bill dated XXXX stating the total balance due at a certain address was {$230.00}. I have not lived at that address in XXXX  years. 

IC Systems has also notified the credit bureau of this false delinquent loan which will adversely affect my ability to obtain credit in the future
Product: Mortgage

My morgage is with castle and Cooke Im also have assistance from the Homeowner Assistance Fund. On XX/XX/XXXX escrow analyst was done and determined I have a shortage and on XX/XX/XXXX my monthly payment will increase, I informed them I would pay for the short. They said another analysis needs to be run to get a correct amount which would be done XX/XX/XXXX. HAF was unaware of the increase sent payment for 3 months and was accepted on XX/XX/XXXX. On XX/XX/XXXX a letter to HAF was sent to let know about the info. XXXX payment was processed and XXXX and XXXX was put into a unapplied fund.On XX/XX/XXXX a letter to HAF was sent to let know about the change. On XX/XX/XXXX they took part of XXXX 's payment to add to XXXX and processed payment at the higher amount. They claim they was within their right to process payment and I should discuss with HAF if additional payment would be sent to cover the amount they took for XXXX. If I expressed multi times I was going to pay the shortage and they were running another analyst why wasnt payment process other then to take my money and potentially cause me to be unable to pay XXXX bill
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 THESE ACCOUNTS ARE NOT MINE. 
XXXX XXXX XXXX Account Number : XXXX This Account is accurate and I'm seeking litigation please delete at once. 

2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 THESE ACCOUNTS ARE NOT MINE. 
US DEPT ED Account Number : XXXX This Account is accurate and I'm seeking litigation please delete at once. 

XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 THESE ACCOUNTS ARE NOT MINE. 
US DEPT ED Account Number : XXXX This Account is accurate and I'm seeking litigation please delete at once. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  CC : XXXX XXXX CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : XXXX XXXX XXXX
Product: Credit card

On XXXX XXXX, 2015 I submitted a payment request from XXXX XXXX XXXX bill pay services to pay the amount of {$84.00} to Santander Consumer USA in regards to my XXXX Credit Card account. The payment was to be paid on XXXX XXXX, 2015 which is approximately two days before my scheduled payment due date of XXXX/XXXX/2015. I sent the payment for the XXXX so I would not fall 30 days behind. The payment was delivered by XXXX XXXX XXXX via electronic check on XXXX XXXX, 2015 with a confirmation number of # XXXX. The payment was not credit to my account until XXXX XXXX, 2015 by Santander. I received a 30 day late notice on my credit report in regards to this payment. When I contacted Santander they stated that the payment was not received until the XXXX, but quickly changed there statement when I provided documentation from XXXX XXXX XXXX confirming the payment. A copy of my documents was provided as requested so the corrections can be made to my credit report. I was instructed contact Santander on XXXX/XXXX/2015 to confirm that the changes have been made. On XXXX/XXXX/2015 Santander stated that they are not going to change the report because it was not there fault that they credited the account on XXXX/XXXX/2015 instead on XXXX/XXXX/2015. They stated that the information was not enough to support my request.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile.

Specifically, I request the removal of the incorrect names and addresses : 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 I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth.

A recent utility bill confirming my current address.

A copy of my Social Security card verifying my SSN.

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report.

Update my credit profile with the correct details listed above.

Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting or other personal consumer reports

Original debt from XXXX XXXX XXXX XXXX  XXXX sold to Absolute Resolutions which then sold to multiple entities XXXX, XXXX, XXXX, etc Both XXXXXXXX XXXX XXXXXXXX reported to credit agencies as collectors of the SAME DEBT as two separate items. I believe this to violate the FCRA???? 
I subsequently reached a settlement agreement for the debt with XXXX and paid them via cashiers check. They then removed the item as agreed, but XXXX refuses to remove after multiple requests and continues to report as the owner of the debt which it has sold. I believe this to be fraudulent. I am attaching notice from my attorney concerning the settlement via email copy.
Product: Debt collection

I responded to a contact about collecting a debt by GC Services. GC Services contacted me and my family by phone and identified the debt as due. I told them the person they are trying to reach is not available in this phone because she passed away. I told them several times to stop calling me because I do not have any responsibility for the debt they trying to collect.I also told them if they have good reason to believe that I am responsible for this debt, mail me the documents that make them believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If they stop the collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If they report it to a credit bureau or have already done so, also report that the debt is disputed. Thank you'r cooperation.
Product: Credit reporting or other personal consumer reports

the said creit reporting agency NEVER provided the legal documents that should be on file FRM EACH FURNISHER WHO REPORTWED ON MY CRDIT PROFILE AS WELL AS EASCH FURNISHER WHO PULLED MY CREDIT RESULTNG IN A HARD INQUIRY ON MY CREDOT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Stark Collections # XXXX is reporting a debt to my credit that should not be on there. I never received any kind of notice or 30 day right to dispute regarding this debt. I had no idea it existed until I saw it on credit and then I paid it as soon as I found out about it. This debt is now paid and they are in violation of my 30 day right to dispute.
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and notice several inaccuracies and unauthorized inquiries Reporting to my credit report these remarks have been detrimental to my life and credit health.
Product: Debt collection

I am a victim of identity theft and learned that XXXX is reporting on my credit file and it is a result of identity theft. Please remove this fraud account from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

( Wakefield ) balances : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Dates : XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX, XXXX XX/XX/XXXX. XXXX, XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. 
15 medical bills in total and I can only account for two times iv been to the hospital. Also they have the name spelled as XXXX XXXX and XXXX XXXX in over half of these medical bills not to mention there addresses listed that XXXX never lived at. To my knowledge hospitals or places of that sort are not supposed to report anything under the hepa law. These are all listed on my credit score and XXXX tried contacting these places to tell them it wasn't me and I get no help XXXX also tried filing disputes through experience with no resolve. 
( XXXX XXXXXXXX XXXX dates and balances : XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. 
These are also medical balances with the same issue.. this isn't me and without being able to prove that how are you reporting it on my credit history not to mention they shouldn't even be reporting medical history to any agencies of this sort without some kinda permission from said person due to things like this
Product: Credit card

My Kohls.com account login was compromised, and my account was used to purchase a large item costing more than {$500.00}. I noticed the charge on my account due to a notification that my shopping account login email had been changed at XXXX XXXX. I attempted to contact the Kohls fraud department, but they were closed, so I called first thing in the morning at XXXX when their department opened. I spoke with one associate to mark this transaction as fraudulent, and called again to confirm with a different associate that the transaction had been marked correctly. However, several weeks later, the charge is still on my account and it seems I will be responsible for the fraudulent transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX open date XX/XX/2019 would not submit certificate of peer ship of debt with live signature proving ownership of debt XXXX XXXX XXXX XXXXXX/XX/2019 improper dates and balances are on my credit report
Product: Credit reporting or other personal consumer reports

I submitted multiple disputes to Equifax regarding an *inaccurate collection account ( XXXX XXXX XXXX XXXX XXXX XXXX ) appearing on my credit report. Despite providing substantial evidence and requesting a thorough investigation, Equifax classified my dispute as " frivolous '' and failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Additionally, Equifax has not provided any documentation or verification details to support the accuracy of the disputed account, despite my formal request under 15 U.S.C. 1681i ( a ) ( 7 ) and 1681g. Instead, Equifax has continued to report this account without proper verification, violating my consumer rights. 

Furthermore, I specifically requested manual verification instead of an automated e-Oscar process, citing the legal precedent XXXX XXXX XXXX XXXX XXXX, which requires a " reasonable '' investigation. However, Equifax has ignored this request and has continued to rely on automated processes that do not meet the FCRAs investigative standards. 

Additional Violations and Damages Equifaxs failure to comply with federal laws has resulted in the following damages and legal violations : Failure to Meet the XXXX Investigation Deadline The FCRA mandates a response within 30 days under XXXX U.S.C. 1681i ( a ) ( 1 ) ( A ). Equifax has failed to comply, further violating my consumer rights.

Negative Financial Impact Due to Equifax 's improper handling of my dispute, my creditworthiness has been negatively impacted, affecting my ability to secure credit and financial opportunities.

Unverified Information Reporting Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must only report accurate and verifiable information. Since Equifax has not provided documentation supporting the validity of the disputed account, its continued reporting constitutes a clear FCRA violation. 
Regulatory Action Against Equifax CFPB 2025 Fine Equifax has a documented history of failing to comply with FCRA requirements, resulting in legal action by regulatory authorities. Most recently, in XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) fined Equifax {$15.00} XXXX for failing to properly investigate consumer disputes. 

The CFPB found that Equifax ignored supporting documents provided by consumers, failed to remove previously corrected errors from credit reports, and used defective software that resulted in inaccurate credit scores. 

This demonstrates a pattern of non-compliance, and my case is further proof that Equifax continues to disregard consumer rights and federal laws.
Product: Credit card

On XX/XX/2023 I sent an email to Discover Executive Office of Financial Services requesting to have 5 % rewards included on monthly statements so I could keep track of my limit per quarter. The total rewards amount is clearly shown on the home page when logged in but trying to find the monthly amount allocated was impossible to find. I received an email from XXXX thanking me for my inquiry and informing me he would follow up. 
I then received a letter from Discover with 6 months of statements notifying me an investigation had shown when my account was opened, when the last credit card was issued and informing me Discover had reported my account to Credit Reporting Agency as disputed until I notified them otherwise. 

I was shocked as I merely requested the monthly rewards amount be included on monthly statements and never disputed my account or asked for an investigation of this sort. 

I then sent an email to XXXX XXXX, CEO and XXXX XXXX with the letter attached expressing my extreme dismay and dissatisfaction with the response I had received. I never disputed or requested an investigation of my account but merely requested the rewards be included on monthly statements. I explained how upset I was at such a response and wanted the dispute against my account lifted immediately. I asked how an employee of an organization such as Discover could be so inept with basic comprehension. 

Neither XXXX XXXX nor XXXX XXXX replied to my email, but I received a letter from XXXX explaining where the monthly rewards could be found on my account statement. He never apologized for his incorrect response to my initial request nor did he state the dispute had been lifted as I asked. 

Since I have a paperless account, I follow my charges on the homepage which does not include the monthly rewards. In order to find the monthly rewards, a customer has to open the pdf statement and scroll to the third page to find that information which is not convenient. However, XXXX should have simply said that initially and should never have instigated an investigation and dispute providing me with excess information I was well aware of and never requested.