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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax Information Services, has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these accounts were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

MOHELA has had my application for income based repayment since XXXX XXXX. That's 9 months. 
For some reason it has not been processed and applied to my account. I have to call with a XXXX minute time every month to get an administrative deferment so that MOHELA can have time to process my application. As I've told everyone I've spoken to, and previously written in messages, I have a XXXX  XXXX XXXX  XXXX and speaking is often difficult. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can't make my payment because I'm XXXX and don't have the money. Messages aren't answered for months and my loans will go in to default because I can't get MOHELA to process my application that has already been approved 9 months ago. I dont understand why they wont process the application and why they are making it so difficult to communicate. MOHELA also won't make XXXX accommodations to communicate with me in a method that I'm capable of.
Product: Credit reporting or other personal consumer reports

please check the information concerning the equifax data breach below in attachments
Product: Credit reporting or other personal consumer reports

CFPB Dispute Against Credit Bureaus XXXX XXXX, Equifax, XXXX ) for Reporting Unverifiable Debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Respondents : XXXX Equifax XXXX Subject : Formal Complaint Against Credit Bureaus for Failure to Remove Unverifiable Debt Reported by XXXX XXXX XXXX, XXXX XXXX of the Dispute I am filing this complaint against XXXX, Equifax, and XXXX for failing to follow their legal obligations under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) by continuing to report an unverified collection account from XXXX XXXX XXXX, XXXX ( XXXX, XXXX ). 

Despite multiple disputes and complaints against XXXX XXXX, the credit bureaus have continued to verify the accuracy of an account that XXXX XXXX has failed to properly validate. 

This is a direct violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires credit reporting agencies to conduct a reasonable reinvestigation and delete information that can not be verified.

Violations by the Credit Bureaus 1. Failure to Properly Reinvestigate & Remove an Unverified Debt ( FCRA 1681i ( a ) ) XXXX XXXX XXXX failed to provide a signed agreement, proof of ownership, or chain of title for the alleged debt. 
Despite this, XXXX, Equifax, and XXXX have continued to verify the account without any basis, which violates their legal duty to ensure that only verifiable and accurate information is reported. 
Under FCRA 1681i ( a ) ( 5 ) ( A ), any unverified debt must be permanently deleted. 

2. Reporting Inaccurate and Misleading Information ( FCRA 1681e ( b ) ) Credit bureaus have a duty to ensure maximum possible accuracy in consumer reports. 
Continuing to report a disputed and unvalidated debt misleads creditors and lenders and causes undue harm to my credit profile.

This is a willful violation under FCRA 1681n, exposing the credit bureaus to legal liability.

3. Violation of Consumer Rights Under FCRA & CFPB Regulations The CFPBs guidelines require credit bureaus to remove unverifiable accounts after a reasonable dispute investigation. 
The failure to act suggests that the credit bureaus are rubber-stamping verification requests from XXXX XXXX without actually investigating their legitimacy. 

Attachments ( Supporting Evidence ) XXXX. Debt validation request sent to XXXX XXXX XXXX ( XXXX failed to validate ). 
XXXX. XXXX  response to CFPB complaint ( showing lack of verification ). 
XXXX. XXXX, Equifax, and XXXX credit reports showing XXXX, XXXX still being reported. 
XXXX. Illinois Attorney General complaint & IDFPR complaint filings showing XXXX  questionable debt collection practices. 

Complainant Signature : XXXX XXXX XXXX XXXX : XX/XX/2025
Product: Debt collection

Atlas financial breached an agreement of contract we made in XX/XX/2017 that was to end XX/XX/2017 and they stalked me whenever I was employed and unemployed through XX/XX/XXXXreports and they came to my house to serve me with court documents with a judgment lein that was falsefied and used coercion to force me to pay {$680.00} on a {$200.00} medical debt. My jib was terminated on XX/XX/2017 and on my way home Atlas financial calling my lhone threatening judgment and warrants for garnishment if I didn't pay prior to the date the contract was over. When I went TO the court house the day after I lost my job on XX/XX/17 I found out that there was NEVER a judgment filed with the courts like I was served while getting out of my car at my house on the DAY XXXX started my XXXX in XX/XX/2017! They used foul language by phone and they weren't a debt collection company in the same state as me and refused to give me actual address. Only a PO address and I want my money back.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Re : Banco Popular de Puerto Rico XXXX XXXX Regarding Misreporting of Loss Mitigation Payments Account Number : XXXX To Whom It May Concern : I am writing to formally dispute the inaccurate reporting of my mortgage payments under the loss mitigation agreement signed on XX/XX/XXXX. Despite my compliance with the agreement and timely payments as required, these payments have been inaccurately reported to credit reporting agencies as delinquent, late, or otherwise in default. This misreporting has negatively impacted my credit score and hindered my ability to secure better financial opportunities for my mortgage and other needs. 

On XX/XX/XXXX, I spoke with XXXX XXXX from Banco Popular de Puerto Rico, who incorrectly stated that I was delinquent, ignoring the terms of the agreement. She also advised me to request a certification from the bank but indicated no corrections would be made to the credit report. This lack of transparency and failure to address the issue has caused undue stress and financial harm. 

Under federal regulations, 12 CFR 1024.41 ( c ) ( 2 ) ( iii ) explicitly states : Payments made under a loss mitigation agreement must be properly applied as agreed in the terms of the arrangement ( see agreement attached ). Borrowers can not be classified as delinquent solely because they are making reduced or modified payments under such an agreement.

Please note that the above-mentioned payments are not reduced from prior loan, but higher.

Furthermore, 12 CFR 1024.41 ( f ) ( 2 ) prohibits the reporting of delinquency during forbearance or repayment plans when a borrower is in compliance with the agreement. As I have complied fully with the loss mitigation terms, the reported delinquencies and negative credit reporting violate these protections. 

I respectfully request that Banco Popular : XXXX. Immediately correct the inaccurate reporting to all credit reporting agencies ( XXXX, XXXX, and XXXX ). 
2. Provide me with a written confirmation that the corrections have been made.

3. Ensure that future credit reporting reflects my compliance with the loss mitigation agreement.

4. Provide a detailed account history showing how my payments were applied to confirm compliance with federal regulations.

If this matter is not resolved promptly, I may file in addition to this complaint with the Consumer Financial Protection Bureau ( CFPB ), other complaints with other regulatory bodies, as well as consider further legal action to protect my rights. 

Thank you for your prompt attention to this issue. I look forward to your resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

Repeated attempts to contact with zero response. Have asked to show how, where and when occurrence happened, with nothing, zero response. Seems shady as they want you to leave a message with personal information without having someone available to speak to first. Debt they are reporting came out of no where in XXXX, during lock down, no credit taken then and will be on record until XXXX  does not make sense and SOUTHWEST RECOVERY SER will not very the information with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding innacurate and unknown thing on my credit report to the XXXX bureaus, XXXX XXXX Transunion. To this day over 45 days later I have not received a response yet. Section 611 ( a ), stated that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report that was inaccurate and unknown that I was disputing. It has passed the legal limit stated by section 611 ( a ) so it should be removed immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Debt collection

I disputed this bill, the company failed to send me a 30 day letter to dispute this bill. thats I do not owe, They contacted me email and text and multi calls everyday. I asked them to please stop calling me I didnt owe this bill. The continued to text and call me every day. I then wrote a dispute letter that I didnt owe the bill, they continue to call, and text me all hours of the day from XXXX. Everyday. The failed to dispute this account. Im resednign them a dispute letter again. They then told me if I didnt pay they would put this on my credit. The next week its on my credit report, after I disputed the bill with them.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed a copy of my credit report ( Transunion, XXXX, XXXX and noticed several inaccuracies that negatively impact my ability to obtain credit. I understand that credit bureaus are required to investigate and ensure the accuracy of the information they report. 
I am requesting that you investigate the following account on my TransUnion report to verify its accuracy : ** XXXX XXXX XXXX XXXX AccountNumber : [ XXXX ] TypeofAccount : Loan ( don't have a car with this company ) Subject : Dispute for XXXX XXXX XXXX XXXX Lack of Recognition Iamdisputing charges with XXXX XXXX XXXX XXXX as I have no knowledge or recognition of the transactions in question. 

AccountNumber : [ XXXX ] TypeofAccount : [ Credit Card paid off completely ] XXXX XXXX XXXX AccountNumber : [ XXXX ] TypeofAccount : Collection Subject : Dispute for credit collection service- Lack of Recognition I am disputing charges with credit collection service as I have no knowledge or recognition of the transactions in question. 
This account is inaccurate and should be removed from my credit report immediately. Under the Fair Credit Reporting Act ( 15 U.S.C. Sec. 1681i ( a ) ), credit bureaus must investigate and correct any inaccuracies within 30 days. Additionally, 18 U.S.C. 8 defines obligations and fraudulent activities involving financial documents, which may apply to this erroneous account.

the are charge off dates that keep changing 2 yrs ago and still reporting as current
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number- XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law
Product: Credit reporting or other personal consumer reports

I found wrong information in my credit report. 
XXXX XXXX XXXX XXXX  opened credit account on my name in XXXX  for XXXX $ I never opened it. The Bank just used my identity illegally. I called to this Bank and found out that this bank doesnt exist. No answer, my friend went to the address they gave online and didnt find them. 
I hired XXXX XXXXXXXX XXXX agency to help me to resolve this and they couldnt. Then I wrote letters to Experian and gave them explanations and police report about identity theft and they didnt delete it. I had dispute with no result. Please, help
Product: Debt collection

I pulled my credit report and noticed a collection company that I never did business with. I do not have a signed contract with this company and Im not aware of who they are. 

I would like this company to delete the account and request that the credit bureaus remove the account from my credit report. 

I have attached a copy of my drivers license, social security card, and utility bill for identity verification purposes. Please send me proof once this account is removed. Thanks!
Product: Credit reporting or other personal consumer reports

During my last conversation with the lady at AR RESOURCES INC ( XXXX I believe ), I explained to her that I would not pay {$50.00} per month like I have been for the past XXXX months. She has not tried to work with me in settling in full. I have asked multiple times. So our last conversation, I asked her to provide me with everything - all documents and amounts that I owe and to mail the to me. I told her I refuse to pay anything more until I see how much her company purchased my debt for. She told me that such documents dont exist! So she retaliated by reporting my debt. 

When I locked my credit card and she couldnt process my payment, she ran it repeatedly to try to complete. I have asked her repeatedly to negotiate in full but she says she can only do a XXXX percent discount.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX AND ALLY FINANCIAL ARE IN VIOLATION 15 U.S. Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late on my closed account with gm financial, I have a late payment showing for the month of XX/XX/2017, I have disputed this numerous times with gm financial and the credit reporting agencies directly, this is my final attempt before I pursue legal action against gm financial. I have never been late with this account and I have documents to prove such.
Product: Credit reporting or other personal consumer reports

Back in XXXX, I contacted Equifax, XXXX, and XXXX about XXXX accounts being reported on my credit reports. The accounts in question were being reported incorrectly on my reports. Each of the 3 agencies were reporting inaccurate, inconsistent, and false information. XXXX was the most helpful, and they removed all of the items. I got mixed results from XXXX and Equifax. 

The accounts in question are : XXXX XXXX ( still reporting incorrectly on Equifax XXXX XXXX ) XXXX XXXX ( still reporting incorrectly on Equifax XXXX XXXX ) XXXX XXXX XXXX ( still reporting incorrectly on XXXX ) XXXX XXXX XXXX ( still reporting incorrectly on XXXX ) XXXX ( still reporting incorrectly on XXXX ) Please note, all of these accounts are closed. 


Equifax and XXXX are currently violating the following laws : -Failure to Investigate Disputes ( 611 of FCRA ) -Failure to Correct or Delete Inaccurate Information ( 611 & 623 of FCRA ) -Failure to Note the Dispute on Your Report ( 611 ( c ) ) -Failure to Ensure Maximum Possible Accuracy ( 607 ( b ) ) -Failure to Block Fraudulent Information ( 605B ) I would like some resolution to this problem, I've been dealing with it for a long time and these companies simply refuse to follow the law. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$13000.00}, XXXX XXXX XXXXXXXX Balance : {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$2700.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$250.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), codified at 20 U.S.C. 1232g, due to the unauthorized exposure of my personal information by the XXXX XXXX XXXX XXXX and its loan servicer, Nelnet. This breach has resulted in a significant violation of my privacy, and I am seeking your assistance in addressing this matter. 

I have been made aware that my personal and financial information has been improperly handled and exposed, as evidenced by recent legal actions : Nelnet Data Breach Litigation : In XXXX, multiple lawsuits were filed against Nelnet following a data breach that exposed the personal information of over XXXX XXXX borrowers, including names, phone numbers, email addresses, and Social Security numbers. Allegations include negligence and invasion of privacy. 
XXXX  Unauthorized Data Sharing with XXXX : The Department of Education has been implicated in lawsuits alleging the unauthorized sharing of sensitive borrower information with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXed by XXXX XXXX. This data includes Social Security numbers and bank account details, raising significant privacy concerns. 
XXXX  Under FERPA, I have the right to the protection of my educational records, including personal information shared with loan servicers. The mishandling of this data demonstrates a clear violation of federal regulations and my fundamental rights as a borrower. I am deeply concerned about the potential misuse of my information and the lack of transparency regarding how this breach occurred and what steps are being taken to remedy the situation. 

I am requesting an immediate investigation into this matter and the enforcement of necessary corrective actions to hold the responsible parties accountable. Additionally, I seek clear communication regarding the extent of the breach, measures taken to mitigate risks, and assurances that my personal data will be protected moving forward. Furthermore, due to the severe mishandling of my personal and financial information, I am seeking the immediate removal of all student loans associated with my records and the deletion of any negative remarks on my credit report that have resulted from this violation. 

I appreciate your time and prompt attention to this serious issue. Please provide any updates regarding the status of my complaint and the actions the CFPB intends to take. I look forward to your response and a resolution that upholds my rights under FERPA. 

Sincerely, XXXX XXXX