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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear, TransUion I am writing to formally dispute inaccuracies in my credit report related to my XXXX account. I obtained a copy of my report and believe the following information is incorrect : Creditor Name : XXXX Account Number : [ Your Account Number ] Reported Balance : {$510.00} Highest Balance : {$440.00} Opened : XX/XX/XXXX Account Status : Closed Remarks : Charged off as bad debt Balance Discrepancy : The reported balance of {$510.00} exceeds the highest balance of {$440.00}. 
Under 15 U.S. Code 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. 
Payment History : The last payment is noted as XX/XX/XXXX, with no subsequent payments recorded. If I have made payments after this date, they should be reflected in the payment history. 
Under 15 U.S. Code 1681i, consumers have the right to dispute inaccurate information and receive a reasonable investigation. 
Payment Status : The report states " No Info '' for payment status, which is misleading.

Und

er 15 U.S. Code 1681e ( b ), agencies must report accurately and can not omit critical information that misrepresents the consumers credit behavior. Charge-Off Status : The remarks indicate " Charged off as bad debt. '' I would like clarification on this status and if it has been resolved. Under 15 U.S. Code 1681s-2 ( a ), furnishers of information must provide accurate information to credit reporting agencies, including details about charge-offs. Late Payment History : The report indicates 0 times 30/60/90 days late, which may not accurately reflect the history of this account.

Under 15 U.S. Code 1681s-2 ( b ), furnishers must correct inaccurate information after receiving notice of a dispute from a consumer reporting agency.

In accordance with 15 U.S. Code 1681c-2, a consumer reporting agency shall block the reporting of any information identified as resulting from alleged identity theft within 4 business days of receipt.

I am requesting the original copy of the agreement and terms and conditions related to this account. Failure to comply will forfeit your claims and require you to delete the items listed above. You are required to block these transactions from being reported to my consumer report within 4 days from the date of receipt of this notice. 
Please delete this account unless you wish to be held accountable for {$1000.00} per account. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Credit card

I consistently make on-time payments. I'm confident about this. What I'm unsure about is why this company is reporting me as late in certain months, which shouldn't happen. According to USC 1666b, any billing errors should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Product: Vehicle loan or lease

The amount is incorrect on this auto loan, This is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Product: Credit reporting or other personal consumer reports

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Product: Mortgage

I recently filed a complaint in XX/XX/XXXX with CFPB ( Complaint # XXXX-XXXX  ) whereas B of A alleges they sent a " declination letter '' to me on XX/XX/XXXX, which is an absolute fabrication. They say this was based on a telephone conversation on XX/XX/XXXX where as they claimed the loan was withdrawn from modification review .. another fabrication. 

In 2012, I modified my first mortgage with Bank of America, and once that was complete, my B of A Counselor, XXXX XXXX, ignored my repeated requests to modify my 2nd mortage ( see attached communications ) and ultimately told me that because my ex husband, who is on the loan, declared bankruptcy, that the debt was no longer collectible. Of course, I was naturally suspicious that this was either the best gift ever or that he simply lacked the time resources to help me ( again - his email says he's " real busy '' ). Bank of America also advised me not to pay the 2nd mortgage if I wanted a modification - which was a common myth being communicated by lenders back then who didn't know how to deal with this huge problem. 

I have more documentation that I can provide that demonstrates that I was absolutely interested in refinancing my 2nd mortgage, but was not getting any results or progress from B of A - likely because they were drowning in 1st mortgage modification processing.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I made two payments in full. Per the credit card agreement if payments are made in full by due date no credit interest will be applied. Interest was higher then actual interest rate and was applied on balances paid in full by due date.
Product: Credit reporting or other personal consumer reports

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS OPENING WHAT SO EVER. I HAVE NOT SENT ANY PERSONALS STATEMENTS INTO YOU GUYS STATING THAT I AGREED TO THE HAVING INFORMATION BLOCKED IN ERROR OR THAT I AGREED TO THIS ACCOUNTS BEING OPENED. THESE ACCOUNTS ARE FRAUDULENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT XXXX XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX I saw 2 transactions on my Chime account. I immediately called and filed a dispute with them and before I hung up they had sent me a denial. I did put in 4 rebuttals that were denied as well. I did my own foot work and called the people on the list one was XXXX XXXX and the other was XXXX XXXX XXXX  both companies stated that the bill for someone's account was paid for it with my card it totaled {$240.00}. I just want time to reimburse me for what they took from me but they refuse to do it. In calling and finding out what happened my debit pin number was not used it was just the car the information off my card I would like my money refunded as soon as possible thank you
Product: Credit reporting or other personal consumer reports

I am now escalating this concern because the same inaccurate and incorrect accounts were still being furnished on my credit report. 

XXXX XXXX XXXX - XXXX { Date Opened : XX/XX/XXXX XXXX XXXX XXXX - XXXX { Date Opened : XXXX XXXX } XXXX XXXX XXXX  - XXXX { Date Opened : XX/XX/XXXX } I am really disappointed because I never even received a response from these credit reporting agencies. These accounts kept appearing on my credit report. It is so unfair that they are continuously reporting such inaccurate items on my file. 

One of their reported inaccuracy was this Account : XXXX XXXX XXXX - XXXX which appears to be current on TransUnions side, yet XXXX and XXXX report shows a one-time 30 days late. Im wondering how they got such information where in fact they were getting that details from one source. How come Transunion has reported the account current and other credit bureaus has incoherent information?
Product: Debt collection

On XXXX, I spoke to CS Rep. XXXX XXXX from CBE Group. I explained to her that her agency is reporting false information on my credit reports. I have no knowledge of the account. Call lasted XXXX. I requested that this agency validate this debt with proof of contract and clear signatures that I owe CBE Group any obligation.
Product: Credit reporting or other personal consumer reports

I have identified unauthorized inquiries on my credit report.
Product: Debt collection

I have a derogatory mark on my credit report from " XXXX  XXXX XXXX   XXXX by XXXX '' for an amount of {$65.00} from XX/XX/2017. I know if I went to XXXX XXXX XXXX XXXX that I would have paid the amount then and there and I do not know where this collection came from. I do not even know how to pay it off. I believe it went to a collection agency called Professional Credit Management ( Profcrdtmg ). No one notified me that I owed anything or that there was a collection.
Product: Student loan

In the course of 3 years, I have tried several times to dispute this problem. The college I was attending took down the wrong contact information on my loan application. I did not know that I was missing payments until I was notified by mail. By that time I was around 3 months late. I corrected my contact information and haven't missed a payment on my credit report since then. I tried disputing this situation with multiple credit bureaus with no yield. I also tried contacting the college and was told they could not help.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



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

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 of 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

Dear Sir/Madam, I am writing to dispute the accuracy of the information contained in my credit report from XXXX XXXX . I have reviewed my credit report and found that there are violations of the following federal laws : XXXX. 15 U.S. CODE 1666B TIMING OF PAYMENTS : My credit report indicates that I have made late payments on my accounts. However, I have always made my payments on time. The information on my credit report is inaccurate and is damaging my credit score. 

XXXX. 15 U.S. CODE 1666 CORRECTION OF BILLING ERRORS : I have identified several errors on my credit report, including incorrect account balances and missed payments. I have attempted to dispute these errors with the creditor, but they have not corrected them. This is a clear violation of the law. 

XXXX. 15 U.S. CODE 1681B PERMISSIBLE PURPOSES OF CONSUMER REPORTS : My credit report has been accessed by companies without a permissible purpose. This is a violation of my privacy rights and the law. 

I am requesting that XXXX XXXX promptly investigate these violations and make the necessary corrections to my credit report. I would like to request a copy of my updated credit report and a written confirmation that the corrections have been made. Additionally, I request that XXXX XXXX provide me with the names and addresses of all parties who have received my credit report without a permissible purpose. Thank you for your prompt attention to this matter. 



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

I have been having issue with Klarna they are refusing to acknowledge. I had a delinquent account 3 1/2 years ago that I paid off. I have a good history with Klarna now. I don't have any accounts over 60 days past due. I keep getting declined by klarna partnered by XXXX and it states I have an account more than 60 days past due which is incorrect and I have records. When asking for a resolution, I keep getting a runaround.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and another mortgage company reporting on my credit report wrong. The accounts were paid in full. I would like them removed from my credit report and an adjustment made to my score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX got all the wrong last payment dates, they sold the account, they are reporting inaccurate information time and time again. XXXX XXXX modified this situation XXXX times and its still inaccurate now its time they delete this account. I have sent numerous of letters out to this company and they still reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding.the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

This letter is in response to your recent claim regarding the above-mentioned account, which you claim I owe {$520.00}. 

I requested that you provide me with a copy of any viable evidence showing the account is being reported accurately. 

I am now requesting the method of verification procedure you used to determine the accuracy and completeness of the information you are furnishing on my credit report. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

I am again formally requesting a copy of any documents, showing that I have a legally binding contractual obligation to pay you the alleged amount. I am also requesting the record that reflects the process by which my signature was generated/executed. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 

I will also provide a copy of this letter to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has intentionally deflated my FICO score because I closed my monthly premium service the other 2 major agencies have my score in the780s XXXX and transunion but Experian has my core at XXXX Experian has 3 hard inquiry 's 2 are inquiry 's pertain to the same mortgage origination from XXXX for the same mortgage ; the other is unauthorized from XXXX to buy said mortgage from XXXX I should have1 hard inquiry have3
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$350.00}