23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/2023 I received a telephone call from Southwest Creditors regarding a debt owed to XXXX in the amount of {$150.00}. Immediately following this phone call because I had never received written notification of this debt and therefore did not feel comfortable making any payment via phone, I went on to Southwest Creditors website, located my account and selected the option to pay off debt in three monthly installments to be automatically debited from my checking account. The first payment was made on date of arrangement being XXXX, with subsequent payments to be withdrawn on XXXX, and XXXX. As of the date of this complaint ( XXXX ) there is one payment owed which is the final payment of {$50.00} which is scheduled to come out of my account on XXXX. 

As of XXXX I received an alert from Credit Karma advising that there had been new activity on my XXXX XXXX Credit Report, in viewing my report I found that Southwest Credit had recently reported this as an open collections item to XXXX XXXX all while knowing that I had an active agreement which I never defaulted in and at time of reporting there was only one payment owed.

Additionally I would like to add that after entering this payment arrangement I continued to receive calls from Southwest Credit requesting payment of {$150.00}, which at that time was not the true amount owed. On each occurrence I would have to advise that I have an active payment arrangement which I had not defaulted in. At least one Representative of Southwest Creditors advised that regardless of the arrangement being made via there online portal they are unable to see it on their end. It was not until I threatened to file a complaint did the calls stop.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

Company 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 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
Product: Credit reporting or other personal consumer reports

I request the removal of these inquiries. I have no knowledge of them, and the company did them without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. A previous dispute of this was mailed To Capital One Fraud department however Capital One mishandled this as a durable POA and it is NOT. This is a dispute of identity theft. He was notified by Capital One of a fraudulent application submitted with his information without his consent. An account was established related to this fraudulent activity and is being reported to each of the credit bureaus ( account ending XXXX ). Capital One has failed to correctly address this issue and as such are in violation of the FCRA.
Product: Debt collection

This was already deleted from my reported and handled XX/XX/XXXX. I asked the collector to verify when this was opened and the address and it says XX/XX/XXXX. The addesss presented didnt match, and I didnt possess anything from this company ( XXXX ) XXXX Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6801. Per code 15 U.S. Code 1692 ( g ) this is unlawfully being reported. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. 

Experian and XXXX both who are being sued for violating consumer rights and removing items, then letting them be put back on credit files without showing property information or the due diligence of investing proves everything thats happening here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax / XXXX / XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of these listed accounts below. I believe it was reported in error. 
XXXX XXXX XXXX Balance : {$2900.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the late payment account on my XXXX XXXX XXXX XXXX account ( XXXX ) and the inquiries made by XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX. 

I am deeply concerned about the negative impact these items may have on my credit score and financial reputation. As a responsible consumer, I have always made timely payments on all of my accounts, and it is distressing to see these discrepancies on my credit report. 

I would like to request a thorough investigation of these items and request their removal from my credit report if found to be inaccurate or unverifiable. I believe that the law requires the information on my credit report to be accurate and complete, and any errors or discrepancies must be corrected. 

Furthermore, I would like to remind you that the Fair Credit Reporting Act ( FCRA ) protects consumers from inaccurate information on their credit reports. The FCRA requires credit reporting agencies to investigate disputes within 30 days and remove any inaccuracies. Failure to comply with these regulations could result in legal action against your agency. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please do not hesitate to contact me if you require any additional information or clarification. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I entered a Bank of the West branch ( XXXX XXXX XXXX XXXX on XX/XX/XXXX this year to close both my savings and checking account. I withdrew the entire amount for each of these accounts, respectively XXXX USD and XXXX USD, with no unsettled funds. In addition to a receipt that shows the withdrawal of all of my funds, I also received verbal confirmation that my accounts were closed. BoW projected that my accounts would be fully closed with no outstanding fees by early XXXX. 

Since then, my accounts remain open and I still have access to my BoW online portal. I have attempted to resolve this by calling BoW services, in which a worker verbally confirmed that my accounts were in fact closed. However, I continue to receive emails of " Low account balance '' on both closed accounts up till now. BoW has been uncommunicative on the reason why this issue is not yet resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union XXXX Upon doing a recent review of my credit report. Ive noticed that their are inaccuracies with the Department of Education. XXXX account number ( XXXX**** ) has  Discrepancy in the High Balance, date open, date closed, creditor type, last payment, account type, payment frequency. Not to mention the inaccuracy of the payment history. 

XXXX and XXXX are reporting different from what you are reporting. If this is the same account being reported by the same creditor, how are these numbers and other verbiage different? 

Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete this account immediately because of the negligence of the original creditor and in inaccurate information that is supplied. 

I have enclosed a screenshot for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an
y purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I want to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered accounts that do not belong to me and are results of identity theft. These fraudulent accounts have already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. I contacted the companies associated with these accounts via phone call, and they have confirmed that the accounts were fraudulent and have removed them from their records. Despite this, the accounts remain on my credit report with your bureau. The presence of these fraudulent accounts negatively impacts my credit history and could have serious consequences for my financial future. Please DELETE the accounts below : XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX  XXXX. XXXX XXXX XXXX  ) XXXX, XXXX  XXXX  I ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  was opened in XX/XX/XXXX and closed around XXXX XXXX  This account has been paid in full but it is still being reported to my credit. This account should have been deleted from my credit profile. 



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

6. I have not received and confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ( Copied from the affidavit attached ) ********
Product: Debt collection

I dispute the accuracy of my credit report, specifically, the following accounts that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The inclusion of these accounts not only inaccurately represents my credit history but also raises concerns about non-compliance with the FCRA
Product: Credit reporting or other personal consumer reports

On my credit reports from Equifax- there are two inquiries that arent related to my credit by the name of : XXXX XXXX XXXX saying I applied on XX/XX/XXXX. There number is XXXX XXXX XXXX and address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mn XXXX which Ive called without success in removing this item because it doesnt belong to me. 
Also another inquiry from XXXX XXXX XXXX on XX/XX/XXXX. There number is XXXX XXXX XXXX and address of XXXX XXXX XXXX XXXX XXXX Ga XXXX. 
On my XXXX report XXXX XXXX XXXX XXXXXXXX of XX/XX/XXXX. - I never applied or gave this company permission to run my credit. 
XXXX XXXX XXXX XXXX XXXX of XX/XX/XXXX - I have a checking and savings account with this company but never applied for any credit or loan of any kind. 
I would like help in the removal from my credit report.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

XXXX5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructons 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 XXXXXXXX XXXX 

15 U.S.C. 1681s-2 ( AX1 ) 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

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite my previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This company allows loans to be modified without all borrowers knowledge. The deed was swindled out of one owner and the company changed the terms per the deed but wont release the other party who had no knowledge of changes from financial responsibility.
Product: Credit card

This account is a result of identity theft. i never opened this account or gave anyone permission to use my name.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and anger regarding the grossly inaccurate information that continues to plague my credit report. Despite numerous attempts to rectify these inaccuracies with XXXX, XXXX, and XXXX, I have been met with nothing but incompetence and indifference. This situation has persisted for far too long and is a blatant violation of my rights under Section 605B of the Fair Credit Reporting Act ( FCRA ). 

Section 605B clearly mandates that consumer reporting agencies must either correct or delete inaccurate, incomplete, or unverifiable information within 30 days. However, despite my repeated disputes and the clear evidence I have provided, these credit reporting agencies have failed to comply with the law. Their inaction is not only illegal but also detrimental to my financial well-being and my ability to exercise my American right to access credit. 

The inaccuracies on my credit report have had a severe negative impact on my life, including but not limited to : Denied Credit Applications : I have been denied credit opportunities that I rightfully deserve, affecting my ability to secure loans, mortgages, and other financial products. 

Higher Interest Rates : The inaccuracies have led to higher interest rates on the limited credit I have been able to obtain, costing me hundreds, if not thousands, of dollars. 

XXXX XXXX : The ongoing struggle to correct these inaccuracies has caused significant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have reached out to XXXX, XXXX, and XXXX multiple times, providing detailed documentation and evidence to support my claims. Each time, I have been met with inadequate responses or outright neglect. Their failure to take appropriate action is unacceptable and in direct violation of federal law. 

I demand immediate intervention from the Consumer Financial Protection Bureau to hold these credit reporting agencies accountable for their illegal actions. Specifically, I request : An immediate and thorough investigation into the handling of my disputes by XXXX, XXXX, and XXXX. 

Prompt correction or removal of the inaccurate information from my credit report as required by Section 605B of the FCRA. 

Appropriate penalties and sanctions against these agencies for their failure to comply with federal regulations. 

Assurance that these violations will not continue to affect other consumers who rely on the accuracy of their credit reports. 

I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address this matter and protect the rights of consumers like myself. I eagerly await your response and the resolution of this ongoing issue.
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 debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 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 four business days, pursuant to section 605C 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 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 ( b ). 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 : ( 2 ) 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 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  Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a 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.