23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about XXXX and XXXX creditors and the inaccuracies that Experian inequitably furnishes in my consumer report. I came to find out about this inaccuracy on XX/XX/2022. Since then, I have been disputing the inaccuracy of this account on my credit report and requested for it to be deleted if there was not any sufficient evidence shown to me. This is the list of inaccurate reporting ; payment status shows as charge-off and collection. This doesn't show up on my XXXX and XXXX reports because I asked them to investigate the account and it was removed from my credit report for the same reason for disputing with Experian. I have not received any detailed results informing me of the results of Experian. They only sent me a letter informing me that the account is verified. I should be informed on how the account is being verified, why the account reports as charge-off and collection, how the consumer verified the account and should receive a copy of how the account was verified. Experian failed to comply with the law requirements by reporting fairly, and accurately and investigating properly. This has cost me hardship and hindered me from receiving loans, and insurance, and being able to qualify to live somewhere.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and request the immediate deletion and blocking of the following accounts from my credit report. This request is being made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which provide for the removal of fraudulent or unauthorized information resulting from a data breach. 
The following accounts have been compromised as a result of the data breach, and I respectfully request that they be blocked and deleted from my credit report : Accounts 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

My name is XXXX XXXX and I was recently laid off because of the COVID-19 Pandemic. I filed for unemployment with the state website and was approved. I was never issued a new card issued by the unemployment program, instead, they used a card that they issued me back in 2015, which of course, I no longer have and have not used in years. The unemployment department admitted the mistake and told me to contact the bank who issued the card and I could report it lost or stolen. The unemployment department and US Bank ( issuers of the prepaid debit card ) are so inundated with phone calls, there is no getting thru to a live person and be issued a new card. This situation has put me in a financial disaster and there is almost nothing I can do about it until the phone lines are free. The unemployment department made the mistake, admitted it, and I am left to deal with it. I can not access the money that has been paid to me. I really don't know who to turn to at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Using this method a company was able to put an outstanding charge on my rental history. This inquiry is incorrect. I have no knowledge of this outstanding fraudulent balanced placed on my rental history report. This company has illegally placed this charge on my credit preventing me from being able to qualify for other rentals. I am in very much need of this matter handled as soon as possible. This has become a burden in my life and urgently need this looked into as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, there are unauthorized accounts and inquiries on my credit report. In accordance with 15 U.S.C. 1681c- 2 ( a ) and FCRA 605 ( b ), I request that all the following accounts and inquiries be immediately blocked and deleted from my credit report. 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$56000.00} Unauthorized Inquiries to be Blocked and Deleted : XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX Updated : XX/XX/XXXX ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed XXXX {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$7700.00} ; XXXX XXXX XXXX  XXXX Balanced Owed : {$0.00} ; XXXX XXXX Balanced Owed : {$2600.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently, I pulled my credit reports because I want to apply for a mortgage loan. In doing so, I noticed that I have a number of unauthorized accounts listed on my reports. Not only are these accounts unauthorized, but they are inaccurate, incomplete and unverified. I did not give consent to the reporting of these unauthorized accounts and need these accounts removed immediately because they violate my consumer rights and ruin my reputation with the banking system. I don't have any contracts with these creditors that listed these unauthorized items on my reports. THIS IS UNFAIR AND INACCURATE. I need a new home for my family and the inaccurate items on my inaccurate consumer reports is unfair and will ruin my chances at getting a home for my family. I MAILED LETTERS TO XXXX, XXXX, AND EXPERIAN ON XXXX XXXX AND HAVE YET TO HEAR FROM THEM. IT IS NOW XXXX XXXX WHICH IS LONGER THAN 30 DAYS. YOU MUST DELETE AND REMOVE THE DISPUTED ITEMS IMMEDIATELY!!!! THIS IS INDEED SUBMITTED BY MYSELF AND NOT DONE IN ERROR OR A MATERIAL MISREPRESENTATION
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, lost my wallet in XXXX of XXXX. I was under the impression that one of my children had mistakenly thrown it away, as it was sitting near empty shopping bags. The wallet was filled with my personal information ID 's, Social Security card, debit cards and checkbook, I replaced all the items in the wallet with no issues and it wasn't until when I recently checked my credit, that I learned that several accounts have been opened in my name without my permission. I have contacted the credit bureaus for assistance, and I was instructed to make a FTC Fraud Victims affidavit and report so that they can fully investigate and remove these accounts from my credit report. 
Below are the fraudulent accounts showing on my credit report - XXXX, ACCOUNT # XXXX, opened XX/XX/XXXX for {$450.00} - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ), ACCOUNT # XXXX, opened XX/XX/XXXX for {$650.00} - XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ), ACCOUNT # XXXX, opened XX/XX/XXXX for {$1100.00} - XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), ACCOUNT # XXXX, opened XX/XX/XXXX for {$450.00} - XXXX  XXXX ACCOUNT # XXXX, opened XX/XX/XXXX for {$450.00} - XXXX ACCOUNT # XXXX, opened XX/XX/XXXX for {$25000.00} - XXXX, ACCOUNT # XXXX XXXX opened XX/XX/XXXX for {$4100.00} - XXXX, ACCOUNT # XXXX, opened XX/XX/XXXX for {$700.00} - XXXX, ACCOUNT # XXXX, opened XX/XX/XXXX for {$510.00} - XXXX, ACCOUNT # XXXX, opened XX/XX/XXXX for {$25000.00} - XXXX, ACCOUNT # XXXX, opened XX/XX/XXXX for {$5200.00}
Product: Credit reporting or other personal consumer reports

These accounts show late payments, that is incorrect information that I need to review. 


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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : DPT EDXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by DPT EDXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : According to my bank records, the payment was made on time, and there should be no late payment reflected in the report. I have enclosed bank statements showing the exact date of the transaction. 
Creditor Acknowledgement Delay : The creditor accepted the payment but failed to update their system promptly, resulting in an unjustified late payment entry. I have included communication from the creditor acknowledging the delay on their end.

Miscommunication from Creditor : There was an error in the creditor 's communication about the payment schedule, which caused confusion about the due date. This confusion was acknowledged by the creditor, and I have included the relevant correspondence as evidence.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2022 I was approved for a payment plan to avoid becoming delinquent on my mortgage. I received a letter from Shellpoint going over the terms and a breakdown of the entire payment schedule. I completed every payment and on time as directed by Shellpoint but I found out recently that my credit took a plummet because during the entire time I was on the payment plan, making these payments, Shellpoint was reporting me late! How can they report me late when I have record of the payments made, at times even making more than the agreed on amount! This is not fair because I kept my end of the agreement and I feel they are falsely reporting information. If I had known they were still going to report me late, even though I wasn't, I would have never agreed to these terms!
Product: Credit reporting or other personal consumer reports

I appreciate the effort made to remove certain items from my file believed to stem from alleged fraudulent activity. However, there remain items that require removal. Pursuant to FCRA Section 605, you are mandated to expunge any items listed on an FTC Report, numbered # XXXX. I have previously provided these items in both the report and the preceding letter, and I am resubmitting them here alongside the new FTC Report, numbered # XXXX. I have apprised my legal representative of my intentions, and they are prepared to take appropriate action should you fail to comply willfully. Below are the remaining items for removal, categorized by bureau : Experian : 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 XXXXXXXX. Please be advised that you have four business days to remove the reporting of any items in my credit file resulting from alleged fraudulent activity. I do not consent to E-OSCAR or any automated verification methods.
Product: Credit reporting or other personal consumer reports

These accounts do not belong to me. I am a victim of identity theft and I have included the identity theft report. Please remove these items from my credit report. 

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: Checking or savings account

On XX/XX/2023 I was once again charged for a return of {$150.00} after I disputed the transaction months ago on XX/XX/2023. This has caused me once again to miss payments. I did not hear an update from this dispute for months up until now when they took the money back out of my account. I would like my funds returned because this dispute is over 3 months old and was valid.
Product: Mortgage

I received a letter from XXXX form from XXXX XXXX. XXXX, XXXX XXXX XXXX nor XXXX and XXXX has ever sent me the deliverables I requested from my XX/XX/year> Debt validation letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Product: Credit reporting or other personal consumer reports

I sent in my fraud affidavit to Experian, XXXX, and XXXX informing them that I have been the victim of identity theft and the accounts that I listed in my affidavit wasn't mine and I never open the accounts. They sent a letter back stating they did a reasonable investigation, and I didn't believe that to be true that why I'm escalating the request to get a more thorough investigation.
Product: Student loan

I took out a loan for XXXX school that I believe was XXXX. It is now $ XXXX since it took be a bit to find a job, then my first job paid me $ XXXX a year. I am on a PAYE plan, for lowest possible payment, as I am married with a child. My loan increases because of my absurd interest rate ( 6.55 to 7.5 ). By the time I am forgiven for my loan based upon my plan ( 25 years ) I will have paid more than I took out. Then, I will get taxed as income the forgiveness, essentially resulting in me paying off my loans for the rest of my life. Interest rates go down everywhere but for student loans. 

I can not file married jointly for taxes because otherwise the PAYE plan will double my payment. Therefore, I file married/separate and as a result, I can't take advantage of a childcare credit. I also get no deductions for interest payments because of a ridiculous law. 

This must stop. It is ruining my life.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX 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, XXXXXXXX XXXX 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, XXXXXXXX XXXX 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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of First Delinquency : XX/XX/year> Amount Past Due : {$260.00} Account Number : XXXX XXXX Account Status : CHARGE_OFF
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights.

15 usc 1681 section 602 state i have the right to privacy.

15 usc 1681 section 604 A SECTION 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 usc 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late & having no knowledge of that company or creditor by the name of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, consumer credit plan as late for and purpose.
Product: Credit card

Besides closing my account without informing me, CAPITAL ONE put charges on my account which I never made. I never had overdraft protection, but balance showing now is {$1100.00} instead of {$700.00}. I contacted them a lot of times, but they just keep ignoring me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  {$150.00} XXXX XXXX XXXX XXXX : {$720.00} XXXX & XXXX XXXX XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX, XXXX {$150.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX  {$4700.00} XXXX  XXXX XXXX Opened XXXX XXXX, XXXX XXXX  {$260.00XXXX XXXX XXXX XXXX XXXX  : {$240.00} XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXX  {$720.00} XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX XXXX  {$150.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX  {$180.00} XXXX XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Product: Debt collection

ORIGINAL COMPLIANT Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Action taken : SUBMITTED TO FTC SENTINEL NETWORK Product : Debt collection Issue : Took or threatened to take negative or legal action XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Va. XXXX through their attorney, XXXX XXXX XXXX XXXX XXXX file suit against me on XX/XX/XXXX in State Court of XXXX County, Georgia Civil Case # XXXX. 
1. This action was time-barred since it was taken on a debt/default which occurred XXXX XXXX- ( 9 years after the fact ) 2. I was never notified of r XXXX XXXX XXXX 's request for a judgement/or the judgement dated XXXX XXXX. 
3. I was never notified that XXXX XXXX XXXX XXXX as a result of the judgement obtained a lien on my home dated XX/XX/XXXX. 
4. I only discovered the Judgement & Lien as a result of a routine home mortgage refinance- which is now in limbo.

5. Portfolio Recovery Associates, attorney XXXX XXXX XXXX XXXX XXXX has failed to respond to 2 request to resolve this matter.

6. A request was made today directly to Portfolio Recovery Associates to have the suit /lien vacated immediately.

7. I advised after the suit/lien has been vacated I am more than willing to work with Portfolio Recovery Associates toward a mutually satisfactory resolution of this matter.

8. I notified Portfolio Recovery Associates that their actions are a violation of their XX/XX/XXXX signed Consent Agreement, which specifically prohibited them from suing past the statue of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting in XX/XX/2020 I'm tried to resolve this issue with Macy 's card and Macy 's XXXX card too. I told Macy that I have always been consistent with making my payments on time and I notice inaccurate charges between the two accounts. I received a letter dated XX/XX/2020 which I will upload which proves what I told them. The letter states " We completed our investigation regarding your claim of unauthorized use on the above referenced account. Based on our review, we have determined that you are responsible for the charges in question. On XX/XX/2020 I received another letter from Macy 's which stated " We have been unable to reach you by phone '' which is a Total LIE because I've never received a call at all. Then to make things worst Macy 's states " we discovered that your account has suspicious activity '' thing same thing I told them back in XX/XX/2020. I also received a letter dated XX/XX/2020 that stated " We are writing to inform you that we completed our investigation on your Macy 's XXXX XXXX Card account and as a result we removed the disputed charges and the fees. Since XXXX supposedly could not contact me and has admitted " suspicious activity '' as I first informed them from the beginning - XXXX has still refused to removed these accounts from my credit file. I remove immediately before I file a law suit.