23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.
Product: Credit card or prepaid card

so wells farro credit card closed my account and they didn't tell me whats the reason for them closing the account and my account was in good standing and i've had the account for over 1 year so they never told me why they closed my account so them closing my account ruined my credit as well
Product: Credit reporting or other personal consumer reports

Congress passed the FCRA Title 15 U.S. Code 1681 ( Section 611 ) This lets you delete anything negative hurting your credit. So Why Arent They Deleting
Product: Credit card or prepaid card

I had been a totally given up [ discriminated ] citizen who have lost many things in life. But recently., I had a chance to check my credit score with one of the credit reporting bureaus which encouraged me to try applying for a credit card based on the GOOD credit score that I had never had for more than twenty six years for some unknown reason XXXX. Despite the fact that I would not want to submit a complaint against my bank and a prepaid card [ XXXX ]., some weird or unusual thing happened when I tried to link my bank account to my debit card. A company which is called XXXX that would verify bank accounts rejected my attempt by claiming that the card I am trying to link is not a bank debit card but a prepaid card which must have been picked from any store which would sell a prepaid XXXX card. Despite the weird activity., I proceeded to apply for small line of credit with credit card issuing company which does not recognize my residential address as existent in the United States or Virginia at all. I managed to submit the application and it got denied at the speed of the same old story at the spot. I suspect permanent hoax.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 a letter was sent to transunion explaining that there had been some fraud on my account with someone applying for credit in my name. It has been over 30 days and i have yet to this issue resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

The department of education is making the accusation that I owe a balance and it is being reported on my credit reports that I owe {$1.00}, and it was closed XX/XX/2017. However, they're stating that they now transferred this to a government agency. All of this information is incorrect and I do not owe a balance and they're continuing to report negative information on my report.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This is the letter I was asked to mail to you guys and I did as instructed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX here is a screenshot of my app still showing that my account is being verified, call multiple times about this issue. Today I spoked to XXXX in the customer service department and she was able to figure out what was the issue, the problem was that the previous representative instructed me to do the app registration under my name but it need it to be under the companys name. Due to this matter you guys reported a late payment to my credit report, I never had a late payment or missed on my credit, I know how important credit is and value that. I submitted a dispute through XXXX & XXXX please remove this late payment from my account as soon as possible. Thank you XXXX XXXX Account # XXXX
Product: Mortgage

We are having communication problems with BB & T Mortgage, we were hoping you could intervene and get them to help us get our mortgage back on track. We have tried to work with their representatives to obtain a modification on our loan, but they have not responded to our petition. They set us up on a forbearance plan, which we complied to the last payment of the agreement, in the intent for BB & T set us up on a loan modification plan. 
They are either purposely trying to take our home away or have a very dysfunctional process. Either way, we would like for you to look into what they are doing so we can get our loan payments back on track and keep our home. We have had some financial challenges, due to unemployment and delicate surgery. This is what caused for us to fall behind the loss of income, and the recovery time of my surgery. 
The good news is we are all back on our feet.. Our financial problems were due to inconsistent income and some unfortunate events as described above. We were forced to temporary discontinue making our mortgage payments. Without our income we fell into a financial chasm, but we tried to keep up with the mortgage payments for as long as we could. Ultimately we fell behind on our payments, what we want is to resume making our mortgage payments. Every other creditor that we contacted was very understanding and worked with me through our temporary financial and health crises, but BB & T Mortgage is refusing to come to the table with any tangible solution for assistance. During all of this we have tried and complied with BB & T Mortgage to get some help with our mortgage, buy agreeing with the forbearance plan but they wo n't listen and have denied me access to government homeowner assistance programs. No matter how many times we have contacted them, it has been a futile effort. We have not had a single point of contact nor have they offered any sort of assistance or repayment plan to get our payments on track. They insist that we pay our entire past due amount, but this is impossible and we are left with no options because they will not work with me. We have been given the runaround by them and just feel they are acting as judge, jury and executioner regarding our options without fairly reviewing our financial circumstances. If we truly can not afford our home, then we will move, but we believe that our loan fits squarely within government guidelines. We are hoping you could reach out to them on our behalf so we can save our home from an impending foreclosure sale. 
What we want : We simply want a review of our mortgage for all available retention options so that we can keep our home. We do not need a handout or be given something we do n't deserve, but we want the opportunity to be treated fairly. Our financial future looks bright and we will not have any financial issues moving forward if we can get this resolved reasonably. Thank you in advance for any help you could provide. 
SincerelyXXXX XXXX
Product: Mortgage

I am requesting that SN Servicing Company reply with an electronic pay off statement for my XXXX XXXX XXXX XXXX, XXXX house.
Product: Bank account or service

XXXX XXXX account balance was XXXX. ACH payments of XXXX and XXXX came in. Bank paid XXXX and charged my account.. I want that fee refunded. I am not asking for a courtesy refund. This is a bank " flaw '' in their system.
Product: Credit reporting or other personal consumer reports

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ). XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the XXXX recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that Ive marked inaccurate : 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, credit repair services, or other personal consumer reports

My home was burglarized and my personal information was stolen along with other items from my home. I recently took a closer look at my credit report and noticed that a lot of applications has been created using my personal information that I was not aware of. Equifax stated they would remove this information but it has not been deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  PO BOX XXXX XXXX, IL XXXX ( XXXX ) XXXX, filed a small claims lawsuit against me approximately XX/XX/XXXX-XX/XX/XXXX. The information reported was incorrect and a counterclaim was filled. On XX/XX/XXXX the collection agency ( Midstate ) admitted to the error and requested I only pay the amount of the initial bill and they are recusing themselves of responsibility and declining to collect any collection fees. The initial bill was for {$5600.00}. This was done before my insurance had even settled with the hospital, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX the error was addressed Midstate requested I drop my counterclaim and pay the amount of the bill {$2500.00} ( this was the total amount due after the insurance and XXXX XXXX XXXX finally XXXX the bill ). I paid the full amount of {$2500.00} and the case was dismissed. After thirty ( 30 ) days the amounts were still showing an outstanding balance on my credit report. My job became aware of this and demanded I get it taken care of or I would be terminated. I have a no debt section of my employee contract. I called XXXX from Midstate and was told after the debt was paid is was not their responsibility to report it to the credit unions. I filed a dispute with XXXX and XXXX  ( I provided all documents and court documents ). On XX/XX/XXXX I received a letter from XXXX stating the contacted Midstate and were advised the accounts are verified as accurate. I called Midstate and inquired why they would do this. I was told by XXXX all my accounts are closed and I have a XXXX   balance with Midstate. She advised me to go ahead and try and dispute it again. Maybe it will get fixed this time. I have tried to fix this following all of the levels of dispute protocols. I now believe the money Midstate lost from this case has been causing them to do this intentionally out of malice.
Product: Credit reporting or other personal consumer reports

I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.
Product: Debt collection

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you
Product: Credit reporting or other personal consumer reports

i recently opened my credit reports from the bureuas and there were several fruadulant inquiries and an account that i hope can be removed asap. the creditors and listed addresses and phone numbers are not responding to my messages, mailings, or phone calls.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX : Account XXXX XXXX XXXX XXXX : Account # XXXX
Product: Credit reporting

XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX are reporting false information on my credit report. A creditor improperly providing false information on a person 's credit report is a flagrant violation of the Fair Credit Reporting Act and Fair Debt Collections Practices Act.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Product: Credit reporting or other personal consumer reports

XXXX has not been reporting my Credit Score to the Financial Bureaus. I have a long history of using XXXX a my primary bank account for about 3 years. and they have failed to create a credit score for me. 

Applied for the XXXX Credit Card on XX/XX/2021 ( Email Print out Attached ) I am also attaching the documentation of the disputes filed with chime on this and they have replied with " everything is correct '' - which it is not. 

Because of this whole mess, I had to open up a new credit card with XXXX as an authorized user which costs {$350.00} annually. Hence I would like to get my credit score updated from by filing this disputed with XXXX, XXXX and TransUnion. I also want XXXX to cover the {$350.00} I had to spend to open this new account. 

Please find all the attached Credit Card statements that XXXX has not reported to the credit bureaus
Product: Credit reporting or other personal consumer reports

The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sold my account debt of {$240.00} to XXXX XXXX and closed the account on XX/XX/2016. When I check my credit report, the balance owed still shows {$240.00} and not {$0.00}. Since the account was sold I am no longer obligated to pay XXXX XXXX XXXX and the account balance should be {$0.00}. This was confirmed when I called XXXX XXXX XXXX.
Product: Debt collection

I have received repeated phone calls from local numbers saying they have had numerous complaints about me and have made repeated attempts to contact me. Refers me to call XXXX. A reverse search reveals it to be a collection company called Miller Stark Klein & Associates. Per XXXX and XXXX, this company seems to focus on collecting phantom debts. My complaint however specifically relates to the fact that they did not identify themselves as a debt collection agency as per the CFP.
Product: Credit reporting or other personal consumer reports

My account with XXXX 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. XXXX XXXX XXXX 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 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 requested documents on accounts that have signatures of all parties involved. I requested such documents via mail TWICE and by phone. I never received such documents and the companies never provided any type of follow up through mail, phone, or email. Some companies would not even give me information over the phone because I could not verify certain account details. I have already had issues with fraud before. The accounts are listed below with as much information as I could gather on them. 

XX/XX/XXXX account number XXXX XX/XX/XXXX account number XX/XX/XXXX account number XXXX XXXX XXXX XXXX could not obtain an account number but it seems health insurance related and I have had all health insurance items covered under my insurance policies and they would also not provide documents as previously stated. 

DEPT OF ED / XXXX This item appears on my account several times and not only has it been past the seven year mark for them ( meaning they should not even appear on the report in the first place ), there is no balance associated with these accounts. 


This is all the information I was able to gather on these accounts. Again, documents were requested multiple times and never received and no kind of follow up from the companies in regards to the accounts in questions ever happened. This is against the law as they have to provide documents when reuqested to do so. 

In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

Please remove these items from my credit report immediately as I am well within my rights.
Product: Debt collection

I was sent a letter from XXXX XXXX stating I owe them XXXX. It was sent to an address that wasn't mine. I don't have any knowledge of this debt or account. The letter stated if I write to them by XX/XX/XXXX all collections must be stopped. I sent a certified letter on XX/XX/year> stating that I didnt have any acknowledgement of this matter, and I requested a copy of the original contract and validation. I haven't received any correspondence about this matter. On XX/XX/XXXX I received a notification from XXXX that this collection account has been added to my credit report. I would like this account removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting the balance twice on credit report. That is redundantancy. It should not be listed in comments, it's already established in the appropriate location on report Under Balance. Please remove this disgraceful company from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX2018 received a response from CFPB ON a TransUnion dispute complaint. Case # XXXX. Trans Union since then has dropped my scores for unknown reasons in just two days as of XXXX2018. From XXXX to XXXX in two days. How is this possible? I have not applied for any loans, no collections or nothing. Decreased because I reported to the CFPB? Am I being punished? I have rights to dispute my credit file. Why did I get punished. My employer has brought to my attention the decrease and may lose my job. I have two weeks to get my status where it was or else I will lose my employment. This seems like a game and these credit bereaus are hurting the American people.
Product: Credit reporting or other personal consumer reports

I am writing to bring attention to several issues I have encountered with the credit bureau, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing discrepancies.
Product: Credit reporting or other personal consumer reports

XXXX certified to Experian on XX/XX/year> that their reported balance of {$1200.00} as of said date, is accurate when the balance was disputed by me on XX/XX/year>. I paid the balance in full on XX/XX/XXXX leaving a XXXX balance with XXXX. On XX/XX/XXXX, XXXX sent an email confirming the payoff of loan id XXXX. Experian dispute dept has told me thru a phone conversation that there is no law against XXXX certifying a false balance and the only thing that Experian can do is re-open the investigation which will result in the same outcome. Is this what our credit industry is based on? Lies? If there is no way to ensure accuracy on a system that is used for the sole purpose of increasing how much interest a lender can get away with charging, then it is nothing more than thievery!