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

Here is the updated complaint with the inclusion of the CFPB lawsuit against XXXX : Complaint Regarding Experians Violation of the Fair Credit Reporting Act ( FCRA ) I am filing this complaint regarding Experians handling of my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ). I previously filed a dispute requesting verification of negative items on my report. XXXX initially removed these disputed items but later re-added them without providing proper verification. This action is misleading, non-compliant with FCRA guidelines, and detrimental to my credit profile. 

This issue reflects a larger pattern of systemic non-compliance by XXXX, as evidenced by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX. The CFPB alleges that XXXX failed to remove inaccurate information from credit reports despite being obligated to do so under the FCRA. This demonstrates ongoing negligence in ensuring accurate and fair credit reporting. For more details on the lawsuit, you XXXX refer to this source : CFPB Sues XXXX Over Failure to Remove Errors on Credit Reports. 

Below are the specific items I am disputing that XXXX continues to report inaccurately : XXXX. XXXX Account Type : Unsecured Date Opened : XX/XX/XXXX Status : Account charged off, {$3300.00} written off, {$3100.00} past due as of XX/XX/XXXX Balance : {$3100.00} This account is scheduled to remain on record until XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX Account Type : Debt Buyer Date Opened : XX/XX/XXXX Status : Collection account, {$510.00} past due as of XX/XX/XXXX Balance : {$510.00} This account is scheduled to remain on record until XX/XX/XXXX. 
XXXX. XXXX XXXX Account Type : Cell Phone Date Opened : XX/XX/XXXX Status : Collection account, {$1200.00} past due as of XX/XX/XXXX Balance : {$1200.00} This account is scheduled to remain on record until XX/XX/XXXX. 

These accounts either contain inaccurate or unverifiable information that XXXX has failed to substantiate. Under the FCRA, XXXX must ensure that all information reported is accurate and complete. Failing to do so violates my rights as a consumer. 

I formally request that XXXX : XXXX. Permanently remove these inaccurately reported items from my credit report. 
XXXX. Provide me with proper documentation proving the validity of these accounts if they choose to continue reporting them. 

If XXXX fails to address and resolve this issue within 7 days, I will proceed with legal action under the FCRA. Please note that violations of the FCRA may result in statutory damages of {$1000.00} per violation, as well as actual damages, punitive damages, attorneys fees, and court costs. 

I expect immediate action on this matter. 

Sincerely, XXXX XXXX XXXX Let me know if you need further customization!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX Dear Credit Bureau, I, XXXX XXXX XXXX, have written this letter to dispute late payments that are falsely listed on my credit report with your bureau. The following accounts have never had late payments and are inaccurate. According to the Fair Credit Reporting Act, legally the following inaccurate items must be removed and reflect current pay history. I have already contacted the company, and they do not have any late payments reflecting on my file. 
The following late payment must be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX Type of Business : Auto Loan Account Number : XXXX Date of Late : XX/XX/XXXX This is my official request to have the aforementioned items to be deleted off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. Please remove them immediately as I am buying a home.
Product: Mortgage

their was on XXXX XXXX person had to explain my self over and over
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have been ignoring my requests to investigate the accounts reported on my credit and I haven't heard anything from them. I read on this same website that they should notify me of the status of my disputes, but they have never responded. I would like to know why. I have read that credit bureaus must report 100 % accurate accounts in credit reports, but my accounts are being reported with different opening dates.
Product: Credit reporting or other personal consumer reports

I urge the immediate deletion of fraudulent information from my credit file. This erroneous data, resulting from fraud, should have been removed already but remains unjustly listed. Under FCRA Section 605, you are obligated to correct and eliminate any inaccurate records. I have previously provided the required supporting documents and am resubmitting them for your review. My attorney has been informed and is prepared to take legal action if this issue is not promptly addressed. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX/XXXX/2025 XXXX XXXX/XXXX/2025
Product: Debt collection

Nationstar XXXX has been Resurrecting a FALSE DEBT by using Identity Theft of a FORGED INTERNAL LOAN MOD that was never agreed to and never known to exist ; In XX/XX/XXXX - Presented a FORGED Signature lifted off a SHORT TERM AGREEMENT that was PAID. The NOTE was ACCELERATED by LENDER XXXX XXXX XXXX XXXX XX/XX/XXXX. Nationstar XXXX ADMITS in XXXX to having known of the Accelerated NOTE from OVER XXXX years ago. Nationstar XXXX was named on XXXX XXXX XXXX in a Bankruptcy Filed XX/XX/XXXX resulting in DISCHARGE OF THAT DEBT on XX/XX/XXXX. Nationstar XXXX brought forth a NEW FORGED NOTE for a different Principal Balance claiming FALSE DEBT IS OWED knowing that no Reaffirmation Agreement and also that the MATURITY DATE is recorded as XX/XX/XXXX last date XX/XX/XXXX and never decelerated. On XX/XX/XXXX Filed a NOD with a false DEBT claimed OWED for either XXXX XXXX OR XXXX XXXX and NEITHER is true. I have no DEBT owed. That I filed an Identity Theft Affidavit Filed XX/XX/XXXX WITH THE XXXX XXXX XXXX as informed by a Letter received in XX/XX/XXXX ; and with the FTC for IDENTITY THEFT XXXX XXXX On XX/XX/XXXX Nationstar XXXX XXXX that " They already determined '' there was NO FRAUD ; Despite that a FORGED disclosure was already Evidenced by A Federal Judge on XX/XX/XXXX ; and ADMITTED as FORGERY OF MY SIGNATURE and a Forged Note Affidavit once a new internal Loan was claimed to exist and falsely claimed to be recorded in XXXX XXXX RECORDS -- NO DEBT/LOAN is recorded and this is IDENTITY THEFT. 

Nationstar XXXX has not responded to the issue of FORGERY but for claiming they " At some earlier '' point before having received the AFFIDAVIT OF FORGERY to state that they decided it was already decided where never has this been brought forth until XX/XX/XXXX AS IT DID NOT EXIST. I in XXXX, having received THAT odd response where the FORGERY WAS PROVIDED, and called Nationstar and informed that I needed to FILE A POLICE REPORT with AFFIDAVIT. I am Attaching that IDENTITY THEFT AFFIDAVIT provided here. The Identity theft Affidavit.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN 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. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN 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: Payday loan, title loan, or personal loan

Hello, I received a installment loan from Regional Finance back in XX/XX/2021. I was consistently making payment throughout the pandemic until I was hospitalized due to XXXX and giving childbirth in XX/XX/2021. In a month when I was finally able to go home, I had to take " maternity leave '' since I just had a child, no job due to pandemic. I was unable to pay from this time until I started working. They ended up making a two months missed payment on my credit report. I was able to pay in full the amount I owed in XX/XX/2021. I reached out to the corporate office to see if they will make a goodwill adjustment this one time due to the pandemic and my unfortunate situation but they said there is nothing that they can do. 
When I checked my score today it updated today XX/XX/2021 stating that I still missed a payment even though it was paid in full. I don't think this is fair. I would like to purchase a home for my family and this is making it so much harder. I understand there was other steps I could have taken to handle this better. If you are able to help in anyway I would greatly appreciate it.
Product: Credit reporting or other personal consumer reports

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Product: Credit reporting or other personal consumer reports

One main financial did an inquiry for a loan, I did not do the inquiry and also XXXX XXXX XXXX as well. Both I dont remember authorizing! 

One main financial- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''
Product: Credit card or prepaid card

. See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Product: Credit card or prepaid card

This is a complaint about XXXX & XXXX 's XXXX credit card through Comenity Bank. 

I paid the card off in full XX/XX/XXXX and went through the instructions on the site to close the account. You send them a message instructing them to close the account. I have records of all my messages. 

I received no response so did the same again XX/XX/XXXX. 

I then called them and was told my account was closed. 

Then on XX/XX/XXXX I received a notification of a {$6.00} fee so I messaged saying my account had been closed so I wouldn't be paying a {$6.00} fee please correct your mistake and close my account like you'd said you would XX/XX/XXXX. 

Then this week my credit score dropped XXXX because they in fact had not closed my account and had been charging these {$6.00} late fees on a {$2.00} interest fee that had not been disclosed to me. I called them up just now and paid the {$2.00} interest fee and have been told the other fees are being waived and my account closed. 

I don't know whether to trust that, but also how do I get compensated for my credit score unfairly dropping? It feels intentional that they just don't close your account and let the fees keep piling up. 

Thanks for your time. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent letter to both TransUnion at XXXX. XXXX   XXXX, XXXX, PA XXXX and to XXXX  XXXX  at XXXX XXXX XXXX XXXX, XXXX, MD XXXX in regards to an account I originally disputed in XX/XX/XXXX that was first reported XX/XX/XXXX. The account was removed from my consumer credit reports due to the inability to provide validation that this account was my debt. The original creditor was the University XXXX XXXX  for the amount of {$5100.00}, and as stated previously in XXXX this is not my account and I demanded validation. 

This account has since reappeared again, and as stated above I sent letters to both TransUnion and XXXX XXXX to please provide details that this account is mine. According to the FDCPA I have the right to request and receive detailed information regarding this account. In addition, I never received any correspondence from XXXX XXXX 30 days prior to reporting this account, to give me the opportunity to respond or request information prior to being reported to my consumer credit report. Nor have I received a response from TransUnion or XXXX XXXX to this date. 

I ask that the Consumer Financial Protection Bureau assist me in obtaining all and any verification or validation that this account belongs to me. Otherwise, that this account be removed immediately. 

Thanks you for your immediate attention in this matter.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account has been either in forbearance or Ive been back in school ever since I took out these loans. Ive been adamant about it. Yet they keep reporting these months within the cycle as missed payments which is negatively impacting my credit + Ive requested four times this year for this to be corrected.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a complaint number XXXX reporting that Equifax refuse to remove and correct the information reported on my credit report. On XX/XX/year>, I received a letter dated XX/XX/year> from Equifax Information Service LLC stating " We are unable to located a credit file in our database with the identification information you provided. '' This is completely not true. I have a credit file with Equifax and they send me my reports. This is why I am sending the information because they can NEVER seem to get the information correct and whenever I dispute it ; they can't seem to find my file. Making it completely difficult for me to address any issues that I have with my credit report. Furthermore, if they are unable to locate my credit file, how are they able to accept information from other companies and report incorrect information?
Product: Checking or savings account

Chase Bank allowed fraudulent charges with my debit card then took back the money my account was credited when I called to report the theft of my card.My card was stolen out of my car and the person who stole it made a transaction of {$98.00} at a nearby gas station as well as {$140.00} at a smoke shop. I never spend {$98.00} at gas stations My tank doesn't hold more than 10 to 11 gallons, I haven't spent more than {$70.00} at a smoke shop in years. They said that I never said it was stolen despite the fact that I said that several times and the whole reason why I called in the first place. I was on the phone with them well one of the transactions was happening and I we were able to stop the person using my card ( for XXXX at a restaurant ) .i have no authorized users on my account and they claim that it must have been authorized because a pin was used but the pin can be bypassed by pressing enter on any card. Even if somehow someone knew my pin, doesn't mean I authorize the charge and for them to take out of my vehicle while I'm at work. And they said it was because The charges were made around the area I normally make charges, of course they were the card was stolen. When I asked for the recording of the call they said that they were unable to access it which I do not believe. They also cleared all record of my claim and the charges when they first happened. They only showed me receiving the credit for them and then The removal of it. They also refuse to provide details although they said they would a couple of times. They refuse to let me talk to the head of investigation as well. I made a police report as well. At no point did I receive a phone call asking for more information and they never asked for a police report number. The information they gave me was extremely limited and some even inaccurate so I'm not sure how they made a decision and how they call that an investigation. I also don't know why they would still let me bank with them if they think I made a fraudulent claim. To make a fraudulent claim with my bank is illegal and to make a false police report is also illegal so that's a whole lot of trouble to go through and very risky for less than {$300.00}, but like I said I was on the phone with them as it was happening. I called just a few hours after my bag wasstolen out of my car
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Product: Checking or savings account

I opened an HSBCNet XXXX XXXXXXXX XXXX XXXX account on XX/XX/XXXX that came with a {$300.00} referral sign-up bonus promotion. The requirements to receive the bonus were to deposit {$5000.00} within 30 days of account opening and keeping this deposit in the account for 90 days. I deposited {$5000.00} on XX/XX/XXXX and have kept it in my account ever since, as of XX/XX/XXXX. The bonus should have been paid out within 8 weeks of the full bonus qualification, which would have been XX/XX/XXXX. It is now XX/XX/XXXX and I still have not been paid, even after contacting HSBC multiple times by phone and email and being told that the bonus will be paid shortly.
Product: Credit reporting, credit repair services, or other personal consumer reports

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Product: Credit reporting or other personal consumer reports

This is my second time writing the company Experian to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The followings names listed is not the correct spelling of my name and are inaccurate which must be removed from my reports XXXX XXXX and XXXX XXXX are both the wrong spelling of my name. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses as following, XXXX XXXX CT XXXX, FL XXXX so please remove this current address from my report it is inaccurate address listed. 
Delete date of birth be removed from being displayed on the credit file for privacy reasons. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.