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

The credit bureaus continue to report a collection " XXXX XXXX XXXX '' on my credit report which is 100 %, not my debt. 

I have sent them numerous letters in recent months and still, they have failed to even provide me once with any findings and documentation supporting the outcome of the investigation. 

under the FCRA they are required to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of their investigations, they stated in writing that they " verified that the debt is valid '' and that these items are being reported correctly Who verified these accounts? they 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information relating to " XXXX XXXX XXXX '' Collection. 

IN FACT, I HAVE PROVIDED TO THE CREDIT REPORTING AGENCY ALL DOCUMENTATION WITH PROOF THAT IT IN FACT IS NOT MY DEBT. 
I have provided documents to show that I am a Florida resident since 2020. My drivers license, utility bills, as well as MY FLORIDA HOME LEASE AGREEMENT SHOWING THE EFFECTIVE DATE. 
Why would I be liable to pay somebody else 's Utility bills for their property while I am not even living in the same state? because I had rented the property previously long before? 

Right now as of the past week, the Collection was not showing on my report because I filed another request and it got removed this month. however, it was already also removed before and then was reported again.

most recently I mailed the 3 major credit bureaus another letter demanding the validation documents of this collection that they said they verified. 

XXXX responded to me that they verified that I have received goods or services and therefore they will keep it and it's valid. 
But again, without providing me with any documentation or proof of what's backing that this is my valid debt. 

What goods have I received? I clearly sent them proof of my house rental contract of Florida, I have a Florida license, I sent them a XXXX bill of my Utility bills paying in Florida for my house. 

So what exact goods or services have I received in a house that I had nothing to do with in NY? 

This is bizarre and it's highly damaging me. 

My credit report can proof that I never ever miss payments and have a 100 % on time payment history. 

Why would I be responsible to pay someone else 's house Utility bills in a State I had nothing to do with at the time. 

And still 8 months on my report, valid valid valid but not XXXX single document has been provided to me that shows any agreement or contract I ever agreed or signed with this creditor/utility comapny.
Product: Credit reporting or other personal consumer reports

several accounts listed on my credit report, which I believe are inaccurately attributed to me. I do not recognize the following accounts and requested the company that they be thoroughly investigated and removed never got ana naswer response email nothing please help me XXXX XXXX ( Account ending in XXXX ) XXXX XXXX ( Account ending in XXXX ) XXXX XXXX  ( Account ending in XXXX ) XXXX XXXX ( Account ending in XXXX ) I
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, my credit card company notified me ( via text notification ) that my credit score had dropped. When I logged in I saw that XXXX  showed a hard credit inquiry from the same day for " WF Equipfinance msg ''. After trying to find out who that was and determine that it is Wells Fargo equipment financing in XXXX, I contacted them. After hours of being bounced around I finally spoke to someone who, quite frankly, acted like I was a pain in her side, as opposed to the other way around. I gave her my name, my social, my business EIN, address, etc. and NOTHING shows up from their end. She said there is no account, application, etc. I spoke with XXXX  and they won't do anything because they say that WF Equipfinance msg shows a legal right to pull the report. Both point fingers at each  other but there is no account, no application ; I have never applied for equipment financing through this company. I need this hard inquiry removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN CURRENTLY REPORTS XXXX XXXX STUDENT LOAN TRADELINE/ACCOUNT XXXX XXXX EXPRESSLY DENIES [ LETTER PDF ATTACHED ] REPORTED TO ANY CONSUMER REPORTING AGENCY. XXXX XXXX, former prepayment student loan servicer, held my ( {$10000.00}, XX/XX/XXXX ) student loan briefly ( XX/XX/XXXX-XX/XX/XXXX ) prior to said loan entering repayment ( XX/XX/XXXX ) to XXXX XXXX, current- and only loan servicer for said loans repayment. No payment was ever owed XXXX XXXX for said loan. No payment was ever made to XXXX XXXX for said loan. There is no repayment history for said student loan by XXXX XXXX. Repayment of said loan is solely serviced from repayment entry ( XX/XX/XXXX ) to present ( XX/XX/XXXX ) by XXXX XXXX. XXXX XXXX replied to my prior XX/XX/XXXX CFPB complaint stating : According to our records, the loan ( s ) referenced in the information you provided is/are not serviced by XXXX XXXX, nor is XXXX XXXX furnishing any information regarding such loan ( s ) to the consumer reporting agencies in your name. ( See, Letterhead letter from XXXX XXXX to me dated, XX/XX/XXXX, paragraph 2, lines 1-3, pdf, attached. ) In direct contradiction to XXXX XXXX XX/XX/XXXX letter, EXPERIAN currently reports XXXX XXXX denied student loan tradeline/account report for said loan. ( See, EXPERIAN report number : XXXX ), dated XX/XX/XXXX, XXXX XXXX tradeline account shown in my credit report, pdf attached. Contrast, attached pdf of XXXX XXXX letterhead letter, signed and dated, XX/XX/XXXX, unequivocal express denial that said EXPERIAN XXXX XXXX [ {$10000.00}, XX/XX/XXXX ] student loan report exists in any credit report. ) The attached EXPERIAN pdf XXXX Mae loan report copy unquestionably contradicts XXXX XXXX XX/XX/XXXX letter ( copy attached ), by which letter XXXX XXXX expressly repudiates EXPERIANS reporting of said student loan account. EXPERIAN should promptly permanently delete said student loan account XXXX XXXX expressly denies reported to any credit reporting agency. 


REMEDY SOUGHT : EXPERIAN promptly ( within five business days of receipt of this CFPB complaint ) permanently deletes XXXX XXXX denied student loan tradeline/account report for said student loan ( EXPERIAN Report number XXXX for XX/XX/XXXX, XXXX XXXX account number : XXXX, pdf attached ) from my credit report.
Product: Money transfer, virtual currency, or money service

I was the victim of an wire fraud scam during the closing on my families new home. An scammer had spoofed the email of an employee of the Title Co ( XXXX XXXX XXXX ) and informed me that I needed to wire my closing funds for my new home due to CORONA with modified wiring instructions of the title co. I wired my funds to an Capital One. The Bank slipped up and informed me that the account was marked fraudulent and that all they would tell me. My bank XXXX has tried to get them the reverse the funds but they will not. I thought it was up to the bank to verify if their is any fraud involved when someone is try to open an account My News Story : XXXX : XXXX Scammers account info : Routing : XXXX Account # XXXX Capital One is stating that they have not received an Hold Harmless Agreement from my Bank ( XXXX ) in order to start working on this matter. I will attach the signed Hold Harmless Agreement to this form that XXXX has sent to Capital One Several times. 

Reference complaint # XXXX
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX XXXX XXXX XXXXwas 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 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 reported in to be removed.

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. 

XXXX XXXX XXXX XXXX XXXX XXXX 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!

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

The late payment remark on my credit report is negatively impacting my XXXX score, and I am requesting its removal to ensure my credit profile accurately reflects my financial responsibility. Payment history accounts for approximately XXXX % of my XXXX score, making it the most significant factor in credit scoring. A single late payment can cause a substantial drop in my score, especially if I previously had a strong payment record. 

This inaccurate late payment is unfairly lowering my creditworthiness and affecting my ability to secure financial opportunities, such as obtaining a loan or favorable interest rates. Additionally, lenders and financial institutions rely on XXXX  scores to assess risk, and this incorrect remark could result in higher borrowing costs or even denials of credit applications. 

I am formally disputing this error under the Fair Credit Reporting Act ( FCRA ), which grants me the right to challenge inaccurate or unverifiable information on my credit report. If the late payment can not be verified or is incorrect, it must be removed. Furthermore, I am requesting a goodwill adjustment from the creditor, as I have a history of responsible financial management, and this late payment does not accurately represent my reliability.
Product: Mortgage

Our loan officer has been very hard to work with for us personally and our realtor. She does a terrible job of checking emails so every time we email her, we have to start a new thread otherwise she claims she never received it. She also has asked for the same documents repeatedly saying they are not to her satisfaction. Our employer has also complained about how many times they have been contacted to verify the same information. We had an issue with an inspection and the seller agreed to pay the contractor directly to fix the problem and said they could issue the check at close. Our realtor checked with our loan officer and she said that was acceptable. On closing day, two weeks later, she comes back and tells us we can not have a credit issued at close since they did not order the inspection. The inspection was a part of our purchase contract, as was the seller agreeing to fix the issue. It has been an overall headache and i feel like this loan officer and her underwriting team have made it even more difficult. They lack communication amongst themselves and with their clients.
Product: Consumer Loan

I already had initiated a complaint against DM motors because of an illegal repossession that cost me my job daycare issues and humiliation because they acted as if I was seriously behind yet the payment was n't even due. Then repossessed it and was very rude toward me. I initiated that complaint in XX/XX/XXXX, and it was brought to their attention in XX/XX/XXXX. They proposed a settlement offer but my reasonable outcomes I suggested initially were many months ago and based on a prompt solution not months later. Their offer of {$500.00} plus demanding me to remove any complaints I filed I declined. It cost me well over that by losing my job having people know I was repossessed even though it was n't even supposed to happen plus a day fdaycare I had to pay even though my child did n't go, I do not feel removing any complaints is even a fair suggestion because people need to know this happened and how the business is run. I 'm not the only one who has had trouble. To day I have many mechanical issues with the van as well. I have called and called, emailed, XXXX every way possible but not a single person responds or returns a call. Even for account. Nobody even acknowledges me. Not a proper way to handle a customer.
Product: Credit card

AVANT card never use, they rip off by not posting your payment in time to charge you more interest. 
On XX/XX/year>. I paid Avant in full. My current as of XX/XX/year> balance showed {$1400.00}, and thats what I paid them. My bank posted the payment XX/XX/XXXX and taken the amount off my checking balance. I checked Avants website on XX/XX/year> and it showed that my balance was still {$1400.00}. Avant have not subtracted my payment. 
On XX/XX/year>, I looked at my dashboard in Avants website. My balance has increased from XXXX {$1400.00} to {$1500.00}. They added {$28.00} in interest charges when they should have not, because my balance was {$0.00} as of XX/XX/year>. Avant claims that it takes 14 business days for them to process customer payments. I asked to speak to an Avant supervisor and the representative said that he was busy and unavailable. 
I called my bank XXXX about the problem and they proposed making a stop payment. I agreed. After a few minutes I changed my mind and told XXXX not to put a stop payment against Avant and they said okay. A few days later I found out that XXXX failed to put a stop payment against Avant and the result was Avant charged me {$40.00} in late fees. 
XX/XX/year> I paid Avant {$1400.00}. This made my balance XXXX. 
XX/XX/year>, I found out that Avant charged me {$40.00} in late fees and interest which totaled {$64.00}. I paid it and that made my balance XXXX. 
On XX/XX/year>, I discovered that Avant charged me {$5.00} in interest when I didnt charge anything for more than a month. I called Avant and they said they charge interest for 2 billing cycles. I told them that is not standard practice and the representative told me that I agreed to the terms and conditions. I told them that I did not agree to this condition. She told me then why do you have this card? I told her to cancel my card and I will not pay the {$5.00}. Now I want to file a complaint to the Consumer Financial Protection Bureau.
Product: Debt collection

What is this complaint about? 
This complaint is regarding Capital Collection Services, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX refusing to validate a debt associated with my name. 

What type of problem are you having? 
Capital Collection Services has refused 2 requests to validate a debt associated with my name. 

I suspect this is associated with a balance of {$170.00} the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Florida states I owe them. I personally went into their office in XX/XX/2019 to personally discuss and challenge this with the XXXX XXXX, the principal owner. She and her billing associate stated they would investigate these charges with my insurance company, seeing as I had already paid over {$2000.00} if fees for services along with the {$300.00} paid by my insurance company. XXXX XXXX said they would follow up with me. I received NO communication from them since. The only communication I have received is from Capital Collection services who is totally ignoring my request to validate this debt. 

I challenged this debt with Capital Services along with XXXX XXXX XXXX and they have yet been able provide support documentation to validate this debt. 

I still formally challenge this debt and request validation. I do not owe this debt. 

What happened? 
Instead of honoring my request to validate the debt in question, they reported a negative tradelines against me to the credit bureaus. 

What company is this complaint about? 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Fl, XXXX Credit Collection Services, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Who are the people involved? 
My self Credit Collection Services XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX for inaccurate credit reporting in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681s-2. 

The following account ( Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX ) is currently reported on my TransUnion credit report with a balance of {$10000.00}. This is incorrect because the debt associated with this account was charged off by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As such, the balance should not be reflected on my credit report, as a charged-off debt should not continue to report a balance due. 

Despite notifying XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of this error, they have failed to correct the information. This constitutes a violation of the FCRA, which mandates the accuracy of reported information by information furnishers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously tried to resolve this issue and have not gotten anywhere the stall tactics that have been used are a mere result of TransUnion not willing to give me a fair investigation that I have the rights to as a consumer. This is my second attempt through you the CFPB to gain a fair honest investigation and has been met with a closed investigation and told " they do not believe this is me or that I am being represented by a company '' I need to mail proof this is me. EVEN THOUGH I SEND A COPY OF MY ID every time. I'm simply a consumer who knows her rights and this inaccurate and seem to me not properly verifiable accounts need to be removed
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and have found questionable reporting practices and failure to meet minimal requirements with GM Financial and XXXX. I have written several letters to all three credit bureaus back in XXXX, as noted in your system asking for validation. All have claimed that they have verified the inaccuracies GM Financial has reported on my credit report. 

On XXXX XXXX, XXXX I have sent a letter directly to GM Financial and XXXX asking for a correction and/or prompt removal of incomplete, outdated or unsupported information. To date, nothing has been updated. 

As a consumer, I request to know all of the steps this agency took to ensure that these items were reported as 100 % accurate under 15 USC 1681i ( 7 ) Method of verification. Description of reinvestigation procedure.
Product: Debt collection

credit card WELLS FARGO BANK XXXX XX/XX/XXXX {$0.00} other XXXX XXXX XXXX XX/XX/XXXX {$0.00} other XXXX XXXX XXXX XX/XX/XXXX {$0.00} other XXXX XXXX XXXX XX/XX/XXXX {$0.00}
Product: Debt collection

I reviewed a copy of my credit report and noticed a collection that I have no knowledge of this is a fraudulent account and I am a victim of the XXXX data breach please delete those fraudulent account per section 605b and 15 usc 1681 c2 please block or delete this account immediately
Product: Student loan

XXXX  held my XXXX XXXX XXXX from XXXX to about a few years ago when they sold my loan to Aidvantage. During that time I had trouble getting clear information about my loan. I called constantly about how they were not applying my second monthly payments toward my principal. They would literally give me false information. In XXXX I received a notice from US Department of Education showing my payment History from XXXX. It showed my payments were applied incorrectly in favor of XXXX  and multiple reversed charges. I have tried to contact XXXX  in the past and they simply said they can not help me because they no longer hold my loan. Now I cant even get in touch with them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2025 To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request to Remove Fraudulent Accounts Due to Identity Theft Dear Experian, I am writing to formally dispute and request the removal of fraudulent accounts from my credit report. I am a victim of identity theft, and my personal information was compromised in the XXXX data breach. The following accounts were fraudulently opened in my name without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - {$160.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$650.00} XXXX. XXXX XXXX XXXX. 
- XXXX I respectfully request that you block and remove these accounts from my credit report as required by the Fair Credit Reporting Act ( FCRA ). To support my claim, I am enclosing the following documentation : 1. A copy of the police report or FTC Identity Theft Report.

2. A copy of my government-issued photo ID.

3. A copy of proof of residence ( e.g., utility bill or bank statement ).

4. A copy of my credit report highlighting the fraudulent accounts.

Under the FCRA, I understand that you are required to investigate and remove fraudulent information from my credit report within 30 days. Additionally, I request that a fraud alert be placed on my file to prevent further fraudulent activity.

Please confirm in writing once the disputed accounts have been removed and my credit report has been updated. If you need further information to process this request, feel free to contact me at [ XXXX XXXX XXXX ] or [ XXXX XXXX XXXX ].

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Copy of police report or FTC Identity Theft Report Copy of government-issued ID Proof of residence Copy of credit report with highlighted fraudulent accounts
Product: Money transfer, virtual currency, or money service

Bitcoin has been in crypto account since XXXX. Attempted to withdraw on XXXX  and got an error saying account was restricted. Gemini requested a verification photo which was provided and I have not received a response in 3 days. Reached out via XXXX and also did not receive a response.