23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax reported back to me that the inquiries were verified. I have XXXX inquiries from XXXX ( XX/XX/XXXX and XX/XX/XXXX ) in which I did not give permission neither time. The XXXX time in XXXX, they " assured '' me that it was only an internal check to see if I would pay a deposit and that It would not even hit my credit report ( not even as a soft pull. ) Well, it did and the XXXX in XXXX is totally bogus, I did not give them permission to pull at all ; did n't even have a discussion with them about my credit since XXXX when I signed up for service. I have checked some forums to find that this is an epidemic with comcast which is why I am a part of the class action suit that is now against them for this very reason. XXXX XXXX, which has pulled my report under the name XXXX, also told me ( in their XXXX XXXX location in XXXX, TX ) that the pull would be " internal '' and would not hit my credit report because, as stated by the rep, they provide in house financing and would only be checking to see how much i would qualify for and that it was not an application for credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : $ XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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 my Police Report/FTC identity theft report ( FTC REPORT NUMBER : 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 : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 CREDIT BUREAU 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 collections 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( XXXX  ) ( A ) and 611 ( a ) ( XXXX ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected. 


XXXX XXXX Balance : {$9500.00} XXXX XXXX  XXXX Balance : {$7300.00}
Product: Debt collection

I was previously insured with XXXX XXXX XXXX. Due to unsatisfactory service with XXXX XXXX XXXX I cancelled my auto insurance coverage with XXXX XXXX XXXX in XXXX 2016. I am now receiving a bill from Credit Collection Services for {$27.00}. This is the first I have heard about any past due amount. Plus when I cancelled my policy with XXXX XXXX XXXX, my account was current. This is a debt I do not owe.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Mo XXXX XXXX XXXX XX/XX/year> Experian Dispute Resolution Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Experian Dispute Resolution Team, I am writing to formally dispute inaccuracies on my credit report, as these errors have significantly affected my credit standing. Despite multiple attempts to resolve these issues through your dispute process, the inaccurate information remains uncorrected, which violates my rights under the Fair Credit Reporting Act ( FCRA ). 

I am aware of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian, alleging failures in properly investigating disputes and addressing inaccuracies. The issues raised in that case mirror my experiences. These include : Failure to remove or correct disputed accounts despite clear evidence of errors. 
Lack of transparency and adequate responses during the dispute process. 
Re-reporting of inaccurate information after disputes were resolved. 
Attached are the following documents to support my dispute : A copy of my credit report highlighting the inaccurate items. 
Evidence supporting my claims, including payment records, correspondence with creditors, and previous dispute resolutions. 
Identification documents to verify my identity. 
I request that you : Reinvestigate the disputed items thoroughly and fairly. 
Provide me with a detailed response and explanation of your findings. 
Remove or correct all inaccuracies immediately. 
Please note that if these issues remain unresolved, I am prepared to escalate this matter to the CFPB or pursue legal action to protect my rights. 

I appreciate your prompt attention to this matter and request a response within 30 days, as required by the FCRA. You may contact me directly at XXXX or via email at [ Your Email Address ] for any additional information needed to resolve this matter. 

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

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX  XXXX, XXXX  XXXX for months. Experian refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting or other personal consumer reports

XX/XX/2024 viewed consumer report and seen illegal, inaccurate information from. XXXX and XXXX XXXX late payments from XXXX and illegal inquiries from XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and unfair. The following items are of concern : XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX  XX/XX/XXXX Inquiry XXXX XXXX  XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX  XXXX Collection Account I would like to request that you investigate these items and remove any inaccurate or incomplete information from my credit report. These items are negatively impacting my credit score and my ability to obtain credit. 

I believe that the XXXX XXXX XXXX XXXX account listed on my credit report is inaccurate. I have never had an account with this company and therefore, I would like it to be removed from my credit report. Additionally, the XXXX XXXX account and the XXXX XXXX account are inaccurate as I have already paid off these accounts. I have proof of payments and I would like to submit them to you for review. 

I would also like to request that you provide me with a copy of my credit report after any corrections have been made. I appreciate your attention to this matter and your prompt response in resolving these disputes. 
XXXX : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. 

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

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 reported in XXXX  days to be removed. 
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! 
XXXX5 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 XXXX  days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is XXXX XXXX XXXX and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I notified Experian by mail on XX/XX/year> that they are reporting inaccuracies on my consumer credit report and I sent them their dispute form identifying the inaccuracies. On XX/XX/year> Experian replied to me stating that they have investigated my concerns and that they updated my credit report. Experian sent me a copy of my updated credit report that is still showing inaccuracies being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I initiated a dispute with Transunion via their website about a debt that appears on my credit report. The amount is incorrect and the payment history is also incorrect.
Product: Credit reporting or other personal consumer reports

Im filing this complaint regarding the inaccurate reporting of an account by XXXX XXXX XXXX  ( Account Number : XXXX ) on all three major credit reporting agencies specifically these : XXXX, TransUnion, and XXXX. ( and others ) Key Issues : Failure to Report the Sale of Debt : XXXX XXXX XXXX  sold this debt to a third-party collection agency, XXXX XXXX XXXX XXXX However, the account is still being reported by XXXX XXXX XXXX  as an active charge-off with a balance of {$460.00}. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 5 ), which requires creditors to accurately report the sale of a debt.

Inconsistent and Inaccurate Reporting : There are significant discrepancies in how this account is being reported across the XXXX credit bureaus. The credit limit and balance usage are inconsistent, and the account status and payment history are inaccurately reflected. This violates FCRA Section 609 ( a ) ( 1 ) ( A ), which mandates that all information must be accurate and verifiable. 
Failure to Conduct a Reasonable Investigation : I have disputed this account multiple times, and each time it has been verified and updated without any substantive changes. This suggests that XXXX XXXX XXXX  and the credit bureaus have not conducted a proper investigation, as required under FCRA Section 623 ( b ). 
Legal Violations by XXXX XXXX XXXX : XXXX XXXX XXXX is sending me collection notices for this account despite the ongoing disputes and inaccurate reporting. This constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) Section 807 ( 2 ) ( A ), which prohibits the misrepresentation of the character, amount, or legal status of a debt. 
Impact : The continued inaccurate reporting of this account has caused significant harm to my XXXX XXXX and overall financial well-being. The emotional distress and financial damage Ive suffered due to this ongoing issue are substantial.
Product: Credit reporting or other personal consumer reports

Credit Reporting Act ( FCRA ). Under the FCRA, specifically in Section 605B, consumers have the right to block fraudulent information from their credit reports. If you are a victim of identity theft, you can take the following steps to have fraudulent inquiries removed from your credit report : I never inquired about vehicle finance with these companies, and I dont have a auto loan XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, 2023 + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, 2023 + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, 2023 + Bank ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, 2023 + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, 2023 + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, 2023 + Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, 2023
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, we sent a wire of {$11000.00} directly to WISE US Inc 's XXXX XXXX XXXX account for transfer into our account with WISE- as we have done many times in the past. On XX/XX/2023, we contacted WISE via email about the missing funds in our account. WISE failed to inform our company that the wire details were to be redirected to their new bank details at XXXX XXXX XXXX. On XX/XX/XXXX, WISE assured us that the funds should " bounce '' because their bank account at XXXX XXXX is closed and that these funds should return within 5-10 days. Funds did not return to us within that time frame. We opened a recall case with XXXX XXXX on XX/XX/XXXX as advised by WISE via phone call since they suspect funds may still be in limbo. Between XXXX XXXX XX/XX/XXXX, our case with XXXX XXXX reports that WISE US successfully received funds and that funds were not in limbo. Wire recall was denied because it could not be returned unless WISE authorizes to send it back. On XX/XX/XXXX, we contacted Wise via phone and email asking for them to complete authorization [ sent from XXXX XXXX ] to return our funds. On XX/XX/XXXX, after calling with XXXX XXXX, we found out WISE has officially shut the bank account and did not respond to the return request issued by XXXX XXXX. Since refund is not accessible from a closed account, XXXX XXXX asks us to work with Wise to retrieve funds. We call wise again- WISE tells us to direct our issue to XXXX, their banking partner. Both WISE and XXXX confirm funds are with XXXX, 4 weeks after denying WISE had any funds. We then get another run around. XXXX and WISE ask for a 22 character long IMAD/OMAD/Federal Tracking number in order to send back our funds. Since the wire was sent within the same Bank system, the Federal Tracking number is not generated. We only have a 16 character tracking number - apparently 6 characters too short. WISE / XXXX refuses to help any further at this point. On XX/XX/XXXX we call Wise again. Wise claims they can't return funds since closing the bank account at XXXX XXXX and there is no reflection of funds in their account. However, previously WISE already had confirmed that the funds were received and pushed through their banking partner XXXX. WISE then suggests to open another case with XXXX XXXX for refund. On XX/XX/XXXX, we contact XXXX XXXX via phone to file another case again and they provided more clarity about the first recall case. Apparently, WISE had insufficient funds in their bank account at the initial recall [ which prompted the authorization for refund which was unanswered ]. The bank has been cleared out since it has been closed. Wise already spent or moved the money out of the account although they have claimed the did not receive funds or have access to funds. XXXX XXXX representatives says, to expect a refund since the recipients ( WISE ), have closed and cleared the accounts, is highly improbable. It is clear that WISE is engaging in classic scam/fraud activity-something similar to a bait and switch.
Product: Credit reporting, credit repair services, or other personal consumer reports

Alerts keep popping up on my XXXX XXXX and experian credit reports unauthorized. Ive kindly asked all three to remove these unauthorized 9 inquiries but to know available..
Product: Credit reporting or other personal consumer reports

I was a co-signer XXXX XXXX accounts the primary borrower had the loans XXXX but theyre still showing up on my credit report as late and with XXXX late days delinquencies. I have total permanent XXXX as well. I disclosed the primary borrower information as well and my own information too
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is reporting a tax lien that does not belong to me.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 an 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

On XXXX, XXXX, and XXXX, I disputed an account on my credit report through Experian. On XXXX and XXXX, I submitted escalations to Experian for the same account. Experian has not given any feedback on this account on any of the disputes or escalations. The amount is being reported to Experian from the original creditor and has not sent to a collection agency. The amount has an open account date of XX/XX/XXXX and a total past due of {$2700.00}. This account dispute should have been removed from my credit report in accordance with the Fair Credit Reporting Act. Knowing that there has been no response, the account should be removed from my credit report. The CFPB has my formal permission to access my credit reports for the sake of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$850.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$730.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$8400.00} XX/XX/XXXX XXXXXXXX XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX, {$32000.00} XXXX XXXX XXXX XXXX : XXXX, {$32000.00} XXXX XXXX XXXX XXXX : XXXX, {$32000.00} However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 



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 XXXX Acct # XXXX XXXX, has violated my rights. 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.