23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I went through a hardship, I struggled making my credit card payments, the card issuer wrote the debt as charge off profit/loss shown on my credit reports, I never received a 1099c from them so I can write it off as an income in my taxes, but on XX/XX/XXXX I received a letter from their debt collector firm requesting me to pay for the debt or they are going To sue me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have made several attempts to resolve incorrect items being reported to Equifax. i have asked them to provide me with proof on how these accounts were verified as 100 % accurate and that they belong to me. i asked them what method of verification was used and in addition, to provide me with a legal and binding contract that bears my signature to the following accounts : 1.XXXX XXXX- XXXX 2. XXXX- XXXX 3. XXXX- XXXX 4. XXXX- XXXX
Product: Checking or savings account

On XX/XX/ I filed a dispute with chime bank for a purchase. In the midst of the dispute I spoke with the company that purchase was made with and they issued a refund. Chime denied my dispute and did not release my refund. Chime stated that the company did nothing wrong. I was told I was filing rebuttals to the dispute to overturn it to get the refund but chime would only send the original dispute form.
Product: Payday loan, title loan, or personal loan

Wells Fargo disrupted myworkflow operations of XXXX XXXX XXXX from XX/XX/2021 thus causing me to miss numerous income in which I will be generating a report to upload in my portal. 

Had I not been called from 3 different numbers, sent 3 different bill statements, and had to file numerous reports- I could have secured necessary PPP Loans and SBA Covid 19 help. 

I also proceeded to miss calls from XXXX XXXX XXXX that I had previously done business with and needed my General Liability, Workers Compensation, and Commercial Automobile Insurance. 

Had I been able to actually work verse get threatened to pay thousands a dollars up front with XXXX validation of which was the correct bill until XXXX in which Wells Fargo Executive Office only followed-up after my car was to be repossessed.
Product: Credit reporting

As of Tuesday, XXXX XXXX, 2017, Equifax is still reporting a debt of {$100.00} to XXXX for XXXX 

REASON FOR DISPUTE : Balance is incorrect ( needs to be updated ). This record contains multiple inaccuracies purposely known and reported by XXXX
Product: Consumer Loan

I bought a car from XXXX for around XXXX, after 2 years, i realized the car was not the car i bought on paper it was a XXXX model and the paper work was a XXXX model. After having to have the transmission replaced, and it failing again, front axles wheel bearings and other problems we called santandar to have them pick the car up on a voluntary repossession, and have n't received any paper work since then.We really need this issue resolved and removed from our credit.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit report contains inaccurate, erroneous, and incomplete information regarding [ specific account name/number ]. Despite disputing this information with the credit reporting agencies and the data furnisher, they have failed to correct or remove the inaccuracies as required by law under 15 USC 1681e ( b ), 15 USC 1681i, and 15 USC 1681s-2. I request the CFPB 's assistance in ensuring the removal of this account and a correction of my credit report to reflect accurate and verifiable information.XXXX XXXX shows the date of last activity inaccurate, date opened inaccurate, show as paid collections. Cant be a collections if its stating paid, date of last activity is inaccurate..

this is a violation of my consumer rights..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX I have never apply for this account and it shows up as a hard inquirie I want this remove.
Product: Payday loan, title loan, or personal loan

I had a previous loan, but with your help, I was able to make it the installment loan it was supposed to be in the first place. With it almost paid off, I was given the opportunity to add another loan. Come to find out later, that it would no longer be an installment loan, but the entire amount would be due and payable in 30 days. It was not necessarily the amount to pay back, but I thought it would continue as an installment loan. Upon trying to remedy the situation, I was told that as long as the balance remained above {$500.00}, it would be due and payable in 30 days after that I could make it an installment loan. I 'm willing to keep doing business with them, but I do n't consider this rule fair. Help! Now I 'm worried of what might happen to my car. I just had it serviced at XXXX XXXX XXXX for {$1800.00} and I ca n't pay that entire amount.
Product: Debt collection

I lost my job XX/XX/XXXX, and bought an lemon car that messed up on me and my kids. I couldnt afford rent so XXXX XXXX gave me an eviction notice and told me and my kids to be out by XX/XX/XXXX after pleading with him.. I called XXXX and told them to turn off my lights and I moved in with my mom at XXXX XXXX XXXX XXXX apparently they didnt and I was homeless and broke XX/XX/XXXX I never made that payment I believe XXXX XXXX was using my utilities until she moved. Im not paying for something I obviously didnt use. My mail wasnt going there or nothing He moved her in the next day. Why XXXX didnt stop my account when I told them to is not sitting well with me.. I want them to show me proof this is my account that I used those utilities I have proof I was not a resident at XXXX XXXX XXXX as of XX/XX/2017 this account needs to be immediately removed from my account and added to XXXX XXXX or XXXX XXXX. I XXXX paid XXXX light bill for me in XX/XX/XXXX. how could I have possibly ran up a XXXX light bulb I wasnt even there a full month after that was paid.. something aint adding up .... and I shouldnt hasnt no bill been in my name
Product: Debt collection

I have received a threating letter from Total Care, Incorporated address XXXX XXXX XXXX XXXX XXXX, Falls, XXXX. 
Phone number XXXX or XXXX file # XXXX Dated of letter received : XXXX XXXX, 2016 I believe this is an overt attempt to collect on credit card that was discharged off my credit report and should n't be sent to my attention at this point. As matter of fact this is an old debt from what the letter states. Its been resolved. I was a victim of identify theft and even though this is coming to me now its been discharged period. 

Current Creditor : XXXX XXXX , XXXX, Named person is XXXX XXXX, Operations Manager Original Creditor : XXXX XXXX, XXXX. 
Original account # XXXX This is nothing but extortion of an old debt which probably was sold to this organization. I want this issue resolved and closed out.
Product: Checking or savings account

On XX/XX/2025, I initiated a transfer from my XXXX XXXX XXXX XXXX account to withdraw {$2500.00} and deposit it into my USAA account. USAA successfully withdrew the funds from my XXXX XXXX XXXX XXXX account but placed the money on hold until XX/XX/2025. When I contacted USAA, they refused to release the hold on my funds. I explained that the money had already been withdrawn from my XXXX XXXX XXXX XXXX account. While they acknowledged receiving the funds, they insisted they would keep them on hold until XX/XX/2025. I was not informed that the funds would be held for such an extended period, even after verifying my account with XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response about the written requests I sent in Equifax. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear XXXX I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX does not accurately reflect my payment history, and therefore violates this provision.

Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with XXXX and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Transfer and Closure : The account was officially transferred and closed as of XX/XX/XXXX, and any subsequent late payments reported after that date should not have been reflected in my credit report. The delay in processing during the transfer led to an incorrect 120-day late report, which is not an accurate representation of my payment history. 
Payment History : Prior to the transfer, I consistently made all payments on time, as is evident in the payment history up until XX/XX/XXXX. Any discrepancies reported after that date were a result of administrative issues during the account transition, not a reflection of my payment habits. 
System Error in Reporting : Although I filed a dispute regarding this issue, the account was marked as resolved, but the late payment entries remain on my credit report with TransUnion. This is a clear indication of an unresolved issue in the reporting process that needs further review. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 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, has violated my rights . 

I looked at my Transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Bank account or service

I have a health savings account ( HSA ) with Bank of America. On XXXX, I placed a trade in my investment account associated with the HSA. Per Bank of America disclosures on the website, the trade will happen the next day if it was placed before XXXX. Although my trade was placed before XXXX, it did not execute the next day. It executed only on XXXX. I wrote to the bank and they responded saying " Trades get processed in XXXX business days ''. This is contrary to what their website disclosures say. I lost money because the stock price moved.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 XXXXSC 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 reported to be removed/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 any 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. 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!
Product: Credit reporting

I do not understand why my score went from XXXX to XXXX with Transunion. It has the same exact information XXXX went up to XXXX. This disturbs me because I have paid everything on time and XXXX shows the same information as Transunion so Transunion score should not have gone down. Please, please fix this.
Product: Debt collection

This collection is for my wife 's car insurance. I was n't a licensed driver until 2013 and It never went into collection it was a late payment. My wife thought the insurance was paid for the year she said that when the late notice came she realized her mistake and paid it off.
Product: Credit card

My name is XXXX XXXX XXXX, and I want to clarify that this complaint is not made mistakenly, nor is it being filed on behalf of another party. I affirm under penalty of perjury that I am asserting that an individual or entity, without my consent, utilized my social security number and personal information to apply for various goods, services, or financial transactions. Unfortunately, they were successful in establishing certain account using my identity. I have no prior knowledge of these actions, and the matter is currently under investigation by the Federal Trade Commission ( FTC ). According to Under 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports, I never provided written authorization for any information to be included in my consumer reports. Lack of consent constitutes fraud in this context.XXXX XXXX XXXX
Product: Debt collection

I EXERCISED MY RIGHTS UNDER 15 USC 1635 a to rescind a consumer transaction that I entered with GM FINANCIAL due to TILA violations. I exercised this right by mail using a certified green receipt on XXXX2021. These documents were received by gm financial on XXXX2021. On XXXX2021 an representative of associates asset recovery stole my property from me outside of my work place. XXXX XXXX XXXX is in violation of 15 USC 1692c ( a ) ( 1 ). They are debt collectors pursuant to 15 USC 1692a ( 6 ). A representative for XXXX XXXX contacted me without my consent or the permission of a court regarding this alleged debt and at an inconvenient time while I was conducting business. I made it clear that I was conducting business and that this was an inconvenient time to contact me and that I do not permit them to contact me regarding this alleged debt but they did not care. I was deprived of my means of transportation and left stranded in the rain and cold. I was forced to catch a XXXX home and cancel all of my plans for the day and week because I now have no means of transportation. 15 usc 1635 b does not mention repossessions. I was deprived of my rights and they conspired against my rights along with GM financial to unlawfully disposes me of my property as exercising my right to rescind.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Re : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, Ohio XXXX Account # : XXXX Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 
the ___ ___________________________
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries started appearing on my report that I didnt make. I called all XXXX  credit bureaus to place fraud alerts on my reports. Stating that lenders or financial institutions should ONLY verify with my phone number and email address. Whoever was calling in was able to keep changing my alert to their own number and information. I was almost locked out.
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 Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX has violated my rights. Or 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
Ive disputes these accounts hightlighing the inaccurate and incomplete information reporting, and these companpines is contining to violate my rights. 
please help me solve these issues. 

thanks
Product: Credit reporting or other personal consumer reports

I was a victim of the Equifax Data Breach. Equifax has already admitted that I am a victim, but they still continue to do nothing. When I first started doing my own investigation back in XX/XX/2023 so I can clean up my credit report. Equifax failed to inform me that I was a victim of the Equifax Data Breach. Please read the attached statement and I also enclosed the proof from their website for the Equifax Data Breach Settlement that I am a victim of this Data Breach.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 


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: Debt collection

On XX/XX/2018 the aforementioned debt collector called my employer 6 to 7 times during the times of XXXX and XXXX. There have been calls prior to this date. Today XX/XX/XXXX at approximately XXXX, the debt collection agency was told to stop calling place of employment. I was informed by my employer of this called, and that employment was verified. Debt collector stated otherwise to my husband over the phone.
Product: Debt collection

Pendrick and XXXX XXXX continue to attempt to collect a debt that is not mine. I have requested they supply me with debt validation and they have failed to do so. Pendeick continues to reassign the collection debt, knowing they are unable to validate the debt.