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

I am writing to formally dispute the unauthorized inquiry listed on my credit I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, these inquiries remain on my credit file. 

As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. 

It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed these unauthorized inquiries from their records. 

Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 
XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX XXXX Inquiry Date XX/XX/year>, XXXX Inquiry Date XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FTC Report XXXX XXXX XXXX XXXX Account number XXXX. 

XXXX Tracking- Pending, I Have Mailed Correspondence To Experian Legal HeadQuarters At XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Pursuant to FCRA XXXX Block Fraudulent Account Within XXXX Business Days Of Receiving Complaint.

Case 8:25-cv-00024 Consumer Financial Protection Bureau , Plaintiff , vs.

Experian Information Solutions , Inc., Defendant.

The FCRA demands that CRAs use reasonable procedures to assure maximum possible accuracy of information contained in consumer reports, 15 U.S.C. 1681e ( b ), and provides a mechanism for consumers to dispute any incomplete or inaccurate information in their report. 15 U.S.C. 1681i.

Additionally, Experians problematic dispute resolution processes have resulted in several other issues, including Experians outright failure to reinvestigate a significant number of disputes within the timeline required by the FCRA, its ongoing refusal to reinvestigate hard inquiry disputes, and its routine failure to ensure that previously deleted tradelines are not improperly reinserted into a consumers file.

I Have Enclosed Exhibits Showing When Account Was Removed On XXXX Once I Added Fraud Alert The XXXX XXXX XXXX Account XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

This message is in response to complaint # XXXX Aargon Agency , Inc. stated Proper validation letters were sent to the consumer prior to reporting the accounts. I would like a tracking number as proof that these letters were sent prior to reporting them to my consumer report.

Aargon Agency , Inc. also stated We do not own the accounts and collect on behalf of our clients whom we have business agreements with. Being said, please produce a trilateral contract that gives Aargon Agency , Inc. any lawful right to have my identifying information. If Aargon Agency , Inc. is unable to provide me with any type of contract this is considered debt parking which is a direct violation according to the FTC Act, the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act. 


Aargon Agency , Inc. stated Based on the information, at this time I have concluded my initial investigation, and as a result did not find any State or Federal violations. Aargon Agency , Inc. in fact violated 18 USC 1028, 18 USC 1028A and 18 USC 894 Aargon Agency , Inc. is also in violation of my cease and desist notice by continuing abusive, deceptive, and unfair debt collection practices.
Product: Credit reporting or other personal consumer reports

15 USC 1681e- Compliant procedures, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681i- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( iii ) by not later than 15 days after receiving a request from the consumer description. I would like to have these following items removed from my credit report. 

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

XXXX XXXX Account # XXXX A creditor XXXX 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 it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date.

There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b.

Also 18 US code 8 states that the obligation of this day is already paid for by the United States. So, this credit balance is in excess of {$1.00} And the law clearly states that the treatment of any credit XXXX is supposed to be refunded upon the request of the consumer so I would also like to request my refund. 

This creditor is in violation of 15 US code 1692 J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section 1692 K ) For failure to comply with a provision of this subchapter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reported a late payment to the bureaus.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate and unauthorized collections being reported on my credit report by XXXX. I have previously requested that the debt collectors reporting these accounts cease communication with me under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), which states that debt collectors must stop all forms of communication after a cease and desist request.

Despite this, these debt collectors are still reporting the accounts to the credit bureau, which constitutes a form of communication that directly impacts my credit score and financial standing. This reporting violates the Fair Credit Reporting Act ( FCRA ) because the information is inaccurate and continues to be reported even after my dispute.
Product: Credit card or prepaid card

Hello Dear CFPB Please assist me to reopen my Capital One Business and Personal Cards that was closed for no reason. 

I used card and made large payment and account at first was restricted then after couple days i called to get information why my account is in restricted status. I was informed that the reason is they want to verify my payment and asked to send my XXXX business checking account statement and ID, which i did sent all information. After couple days i called to follow up and spoke with supervisor and was asked to send also my XXXX checking account statement and sent me link to upload which i did submitted and requested information while i was on the phone and she removed restriction and told me everything is ok. 

Next day i received email notification that my accounts has been closed. 


the reason i received letters are, We are closing this accounts because of activity on this or another account is not consistent with out expectations for account usage and violations of the Capital One Customer Agreement. 


I have done nothing wrong. 

Please assist me to reopen my accounts especially this crisis sitatuion that we need to operate. 


Thank you
Product: Debt collection

This company has repeatedly sent me via mail debt collection that does not belong to me. It has other people 's names on the document with the same last name as me. I do not know these people, I am not related to these people and I have not had any medical services. I have already ask them to stop this false information, and to stop contacting me. The continue to harass me via mail. If someone could contact them and please let them know this is not me and to stop harassing me please.
Product: Credit reporting or other personal consumer reports

These accounts are related to a transaction and experience that falls under the XXXX section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts XXXX be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Product: Checking or savings account

The credits are not being applied on my account. On XX/XX/XXXX, I made a return and I should get back 80 dollars. I see it on my statement as green as in credited but it isnt in my account. I had a 23 dollar return credit work out the same way. I showed as credited but wasnt actually in my account. Im not sure where my money is located but its not back with me like it should be. This is a new complaint for a new issue. Not a repeat complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with XXXX XXXX which ended up with a modification through XXXX XXXX XXXX, which intern sold the mortgage to XXXX. In XX/XX/XXXX I had to file bankruptcy ( Chapter XXXX ) due to a law suit. The bankruptcy was discharged in XX/XX/XXXX, The mortgage was not a part of the bankruptcy and my payments to XXXX were made on time consistently. In XX/XX/XXXX I contacted XXXX as I noticed my payments and history were not being reported to the credit bureaus. I told them that the bankruptcy was discharged and was told they have 60 to 90 days to stop the " code '' hold on reporting. 
Now I am applying for a reverse mortgage, I can not reach XXXX directly, there is a " code '' on my  loan number that automatically transfers me to a third party which will not release ANY information to me, no accounting of my loan, no loan statement nor a mortgage payoff amount, and they still tell me they have 60 to 90 days to change this. There is NO obvious reason why I can not obtain a written accounting of my loan payments and a statement. The only reason I can envision is they DO N'T WANT ME TO HAVE THIS INFORMATION so the can keep my 40 year loan at the high rate of interest. This is impacting my credit score and preventing me from getting a mortgage as I need a loan statement with the loan number and the institution to apply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Dear CFPB I used XXXX to file disputes and the didnt file any of them right just said the information was verified and information on there was wrong I never lived at XXXX XXXX XXXX
Product: Credit card or prepaid card

There was a fraudulent charge on my Home Depot credit card that I wasnt aware about until I receive a letter stating my dispute was denied. When I looked at my statement I notice a charge was made in XXXX. I called to ask why there was a charge made then was credit. They told me that I had dispute a charge which I didnt. But since they charge me I dispute it since I didnt made the charge. There was no purchase history on my account nor did the deliver address match my home address and they assured me that I would get credit back. I then get another decline letter for my dispute but never explain why it was decline. I have now dispute it for the third time and they wont credit me back and making me pay for the charges I did not make.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQUIRES LISTED ARE FRAUDULENT SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN AND TO FILL OUT MUTIPLE APPLICATIONS IN MY NAME I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

XXXX transunion have violated my rights by not providing me with proof i owe anything plus my idenity was stolen
Product: Mortgage

Upon reviewing my payment history with my mortgage loan ( one of the attached documents ), I noticed several discrepancies that seem out of the ordinary, and that no explanations have been offered by the loan servicing company, Bank of America.

1. Excessive payment of homeowners insurance premiums throughout the life of the loan. ( Ive attached a spreadsheet with the information. ) 2. Adjustments made on XX/XX/2014 ( page 10 on the loan payment history document ). Before the adjustments the principal balance was {$210000.00} and after it was {$220000.00}. Thats a jump of {$12000.00} with no explanation.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

How many times do I have to tell the Credit Bureaus that the references for the late payment on these accounta re erroneous and misleading causing negative impact on my Credit File? I previously requested for the investigation and correction of this account and yet the Credit Bureaus have done nothing. Let me remind the Credit reporting Agencies that they are obliged to investigate and update the disputed accounts per consumers requests under the FCRA regulation. Once again, I am requesting that the Credit Bureaus would take their time to THOROUGHLY investigate and CORRECT these erroneous account to report accurate information on my Credit Report : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$210.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance {$300000.00} XXXX XXXX XXXX Balance {$740.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$98.00} XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I told Equifax several times I have 2 accounts showing as duplicate account and affecting twice. the original accounts are being disputed every possible way and I will continue disputing for as long as I see it on my report indecently until it goes away. They just don't care and XXXX XXXX XXXX XXXX about what's on your report. XXXX XXXX accounts appears twice. So XXXX  do your job and fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed fraudulent accounts. this is stopping me from obtaining credit and according to the FCRA this must be removed please.
Product: Student loan

I have not received any statements or phone calls about the loan. When I spoke to them back in XXXX I was entered into a deferment. I was notified that my credit score went down due to payments missed by Navient. But I have yet to receive a letter or a phone call. How is that allowed? They are just increasing my balance due and not evening contacting me.
Product: Mortgage

I was told by the mortgage company Freedom Mortgage that they can do my loan. Made everything clear from the beginning and have email documentation proving it. They then proceeded to tell me they ca n't do the loan for the same reason they told me they could. I did not hide anything from them.
Product: Payday loan, title loan, personal loan, or advance loan

[ XXXX A XXXX ] [ XXXX XXXX XXXX XXXX, XXXX  XXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] World Acceptance Corporation Subject : Formal Complaint Regarding Debt Reporting and FCRA Violations To Whom It May Concern, I am writing to formally complain regarding the inaccurate reporting of a debt in your companys records. Despite never entering into a contract with World Acceptance Corporation, I find that you are reporting I owe a debt to your company. Notably, World Finance is also reporting this same debt, yet neither company operates as a legitimate debt collector according to the Fair Debt Collection Practices Act ( FDCPA ).

I recently spoke with a representative from World Finance, who asserted that your company is a separate entity. During this conversation, the representative was unable to explain why an account charged off at {$180.00} has inexplicably accumulated to an amount well beyond this initial figure. It wasnt until a senior representative made a call to the home office that he received undocumented information regarding the reasons for the interest applied over time, which has resulted in a total that exceeds the maximum allowable limit. This lack of transparency and documentation raises serious concerns about the validity of the claimed debt. 

The representative then offered me an option to settle the alleged debt at a sum that exceeds the original charged-off amount, further highlighting inconsistencies and raising questions about the legitimacy of this claim and the methods employed to recoup this alleged debt. 

I believe this situation constitutes a violation of the Fair Credit Reporting Act ( FCRA ), as you are reporting inaccurate information to credit bureaus without the appropriate contractual agreements or documentation to substantiate the debt in question. 

I request that you promptly investigate this matter, correct any inaccuracies in your reporting, and cease communications regarding this alleged debt until this issue has been resolved. Please provide a written response detailing the steps you will take to rectify this situation. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Debt collection

THIS COMPANY KEEPS REPORTING TO MY CREDIT FILE THAT I HAVE A DEBT COLLECTION WITH THEM, HOWEVER THAT IS INCORRECT. I ASKED THIS COMPANY BACK IN XX/XX/2019 TO PROVIDE ME WITH DOCUMENTS THAT PROVE THIS IS MY ACCOUNT, WHICH THEY DID NOT DO AND I KNOW THAT I HAVE RIGHTS TO ASK FOR THESE DOCUMENTS AS WELL AS I KNOW THAT CREDIT BUREAUS ARE SUPPOSE TO VERIFY THAT THE ACCOUNT IS MINE, HOWEVER IF THE CREDIT BUREAUS ARE GETTING THESE DOCUMENTS WHY HAVE I NOT SEEN THEM. I HAVE BEEN GOING BACK AND FORTH WITH THIS COMPANY WITH DIFFERENT CREDIT BUREAUS AND THE DEBT GETS DELETED BUT THEN THE DEBT COLLECTOR ADDS IT AGAIN AS ITS A NEW COLLECTION WITH A NEW OPEN DATE BY THE SAME COLLECTOR ( THE ACCOUNT WAS NOT SOLD TO ANOTHER COLLECTOR SO HOW IS THIS POSSIBLE? WHEN IN FACT IT IS NOT. CREDIT BUREAUS NEEDS TO PAY MORE ATTENTION TO WHAT THEY ARE DOING TO PEOPLES CREDIT FILE BECAUSE THERE ARE PEOPLE OUT HERE WHO DEPEND ON THEIR CREDIT. I REFUSE TO KEEP LETTING THIS COLLECTOR RUIN MY CREDIT WITH DEBTS THAT ARE NOT MINE. I WANT TO SEE PROOF AND I HAVE THAT RIGHT TO.AFTER YOU INVESTIGATE THIS MATTER PLEASE FIND A WAY TO HAVE THIS AGENCY STOP REPORTING FALSE DEBTS THAT I DO NOT OWE. THIS COMPANY HAS REPORTED THAT T
Product: Credit reporting, credit repair services, or other personal consumer reports

Filled a complaint about not being my debt. Asked the company to remove. Debt continues to be on my credit report.
Product: Credit reporting or other personal consumer reports

I have late payment entries that have been recorded on XXXX, XXXX  ; XX/XX/2019 ; XX/XX/2019. I have a solid track record of making on-time payments for this account. Therefore, I have reason to believe that this reporting is inaccurate.
Product: Debt collection

I was contacted by a man from XXXX XXXX XXXX XXXX that said he was an attorney. He stated that I owed $ 2000+ with Ace Cash. I knew about the debt. I had stated to him that I had fell on hard times at the time and was struggling to stay above water. He kept threatening me with a law suit being filed in my local county court and that I was looking at wage garnishment and or possibly jail for Fraud. He threatened and bullied me into agreeing to give him my debit card information that now has my account way overdraft. He was short with me one rude on the phone. I am a truck driver that works many many hours away from home. I kept getting the harassing calls all hours of the day while trying to rest so I could continue driving to support my family.i had even requested for everything in writing and mailed to me. Nothing was mailed at all