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

XXXX XXXX XXXX This company above is continuously reporting XXXX  days late payment. A collection can not be late because its already past due Remove the collection listed above because you are reporting the payment status as XXXX  days late when by default collections are past due. I never entered into a contractual payment history for them to report a late payment. 

this is a violation of my consumer rights Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete
Product: Checking or savings account

Capital one has not made my deposit and its been over 2 days. You can not get through to customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Just thinking of the days, weeks and months that Ive been struggling to make you understand that the items are not mine makes me insane. Really?! Ive been doing this for months now but I got no answer from you there at Transunion. I already contacted the companies one by one and they agreed to not report the accounts in my file but here you are continuing to report these fraudulent accounts on my credit file. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2016 service date XX/XX/2016 reported {$50.00} I e=requested itemized statement from the XXXX XXXX XXXX ; the statement shows as {$0.00} due
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I have no knowledge about them, and the company did it without my permission.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax, Experian, and TransUnion for failing to conduct reasonable investigations into the disputes I have submitted regarding inaccuracies on my credit report. Despite my repeated submissions, all three credit reporting agencies consistently respond within 24 hours, asserting that the disputed account information is accuratewithout providing any substantive evidence that a thorough investigation has been conducted.

This practice directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires consumer reporting agencies to perform a reasonable investigation of disputed information. Additionally, their conduct may also be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the Consumer Financial Protection Bureaus recent administrative proceeding ( File No. 2025-CFPB-0002 ) against one of these agencies for similar infractions.

I respectfully request that the CFPB take appropriate action to ensure Equifax, Experian, and TransUnion comply with federal law and provide consumers with adequate proof that legitimate investigations have been conducted in response to credit report disputes. 


These are the accounts, addresses, phone numbers, & inquiries I want to be purged and permanently deleted. 

Experian Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts XXXX  XXXX bankruptcy discharged Reference number XXXX XXXX  XXXX Account number XXXX XXXX  XXXX Account number XXXX XXXX  XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX  XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX. 
Account number XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ( XXXX XXXX XXXX Trans Union  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX BANKRUPTCY XXXX XX/XX/XXXX XXXX XXXX XXXX NEW YORK XXXX XXXX  XXXX BANKRUPTCY XXXXXXXX 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: Mortgage

I was having a hard time with Mortgage due to medical reasons. I tried to do loan modification and was denied. So stressful and disappointing especially while dealing w health issues. I had to file for bankruptcy in order not to lose my property.
Product: Credit card

I have a {$500.00} limit on a credit card that I have had for about 2 years and every month there is an obscene amount of charges. Interest charges, member charges I just want to close this account. I just ca n't seem to get it down to XXXX so I can close it. No one answers the phone. I ca n't speak to a person.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX  XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 received letter saying verified account. The account is closed and charged off, but still reporting on my report. The company is XXXX XXXX XXXX XXXX and XXXX XXXX which sold the account to XXXX and ALL are reporting.
Product: Credit reporting

XXXX this account has been on my credit report for seven years now and is suppose to come off i disputed the item with Experian and they refused to remove it and i also called XXXX and an was told the credit bureau have to remove this from my credit file the first date of delinquency was XXXX 2008 seven years to my acknowledgement and what is highlighted on the file i attached on my Experian report your account that my be consider negative that this information is generally removed seven years from initial missed payment that led to delinquency
Product: Student loan

I have had a small XXXX student loan from my school who used XXXX XXXX as a servicer for the loan. When I first started paying this bill in XXXX I set it up on auto pay immediately as all of my bills are. I have NEVER missed a bill out of all my car loans, mortgages, credit cards, and over my other 30ish accounts. This past year I had closed a bank account of mine to consolidate some things to make it easier for me to control my finances. As I went through each one of my accounts making sure the ones being paid out of that account were being transferred to a new payment plan. I came across this student loan. Which was at the end of its term only owing a few hundred more dollars. This loan typically was paid every couple of months or quarter I believe. As i went in to update my account for the new bank account info for auto pay I put everything in place and set it up for autopay. Or so I thought .... The company is telling me now that the auto pay I set up just went through as a one-time payment only. Which I was not told or made aware of. I was not called, or notified of any delinquent payments since that moment until in XX/XX/XXXX I was going through my tax info for the year of XXXX and went into that account to see that it was past due ... to my complete surprise. The due amount I believe was {$200.00} which I immediately paid in full upset that it was past due. Again, I am a XXXX XXXX XXXX and am very strict on my own credit and personal finance. I take pride in the fact that I've never missed a payment. Once it was paid I was still never notified that they had sent a delinquent letter to the credit bureau. Never heard from a collections agency or was notified that my auto pay was not functional any longer. I understand that this is entirely my responsibility. However, had someone from the company just called and told me my payment was a few days past due and not on auto pay I would have done what I did in XXXX of XXXX and just paid it off immediately. I am writing this now because as of last week it was the first time I have heard that this bill was on my credit report showing serious late payments of 30 and 60 days. I am currently applying for another mortgage and when they pulled my credit they notified me of this issue. To my complete shock, I am now caught in a stressful situation over this misunderstanding and malfunction or glitch in the system for their auto-pay ( which I'm assuming is the case. ) As you can see from my credit history I have every payment on auto pay. This mistake will cost me over {$8000.00} more on my loan. I have reached out to the company to see if they can help me and they have denied it completely and told me to have it investigated. Which is unfortunate to me seeing how that was the last payment for this loan and the loan has been closed out entirely. So I went the entire installment and the last payment gets messed up and is greatly affecting my credit score. It is the only thing that is messing with my score according to my lender. I am hoping cfpb can help me resolve this issue and see that it was a miscommunication error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings! 

In accordance with the Fair Credit Reporting act XXXX Account numbers below are in strong violations of my consumer rights. 

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 To my understanding, in 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 that A consumer reporting agency can NOT furnish any account without my written instructions to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX {$870.00} ; XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance {$4000.00} ; XXXX XXXX XXXX Balance {$33000.00} ; XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$19000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$2500.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$39000.00}
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on XXXX ( Original Creditor : XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

XXXX XXXX XXXX are in the business of buying debt from companies and use their wrongful practices to hurt consumers. They have an account from Synchronic bank, another crooked company that I awe them {$450.00} XXXX XXXX has charged me {$2700.00} on this account for what? that is the wrong amount, their fees, attorneys fees, administrative fees. This is an outrageous amount of money that was not owe. As a consumer, I believe on working with them and satisfy the debt, but not with this type of abuse. I need to get the original amount owe to synchronic, without all those staggering fees, I ask kindly to the CFPB to look in to this matter, this is an abuse by these companies.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach. I have discovered incorrect information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up to my previous letter to redispute these items : XXXX XXXX XXXX XXXX XXXXXXXX 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 Balance : {$0.00} XXXX  XXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$410.00} The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THIS ACCOUNT. PLEASE BLOCK AND REMOVE IT.
Product: Credit card or prepaid card

Hi, I have has many issues with Citi advantage credit cards. I tried using it for the first week I received the card and it was accepted. A few days after I tried again and was denied. I called and was told they couldn't verify my information. I paid the balance off and I have tried to cancel the cars multiple times and without luck. The same response is given every time I call to cancel the card ; they can't verify my information and they can't cancel my card. For whatever reason, my number can't be verified on their end. Please help me with this issue so I don't continue to pay interest to a card I can't use.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached. MicroBilt is violating my privacy rights. I did not give them written consent to share any information about me pursuant to 15 USC 1681b. In addition, I do not have a contract nor an agreement with MicroBilt. I sent a request to opt-out and theyre requiring that I send them identification documents to process. Does this make sense? They never had permissible purpose to share information about me in the first place. This is another violation of my privacy and aggravated identity theft. MicroBilt is fraudulently using my non-public information for their financial gain. If MicroBilt is aware of the laws, the opt-out disclosure is required to be presented to the consumer BEFORE information is shared without their permission pursuant to 15 USC 6801 and 15 USC 6802 . I have rights as a consumer and nobody can waive them pursuant to 15 USC 1693l.
Product: Credit reporting or other personal consumer reports

I have sent in the necessary documents to Equifax credit reporting agency, to block the fraudulent remarks off of my credit report and to my surprise, their specialized fraud department has not been answering my phone-calls, i get transferred over to them and its no answer, they are completely avoiding me. I have sent in this i.d theft packet of documents that i was asked to send by them. I have sent them exactly what the laws from FTC.gov site advises consumers to send in to the reporting agencies when a victim of i.D theft. And i will attach all that I've sent them as well to this complaint. I need Equifax 's fraud department under surveillance now as they seem to willingly violate my consumers right without hesitation or deep thought for their own monetary gain. Under FCRA 605 ( B ) law, states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. And i've clearly sent all that was needed with the request to Block items under this section. I did my part. They need to do theres. Otherwise ill be opening litigation, immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report from the 3 major credit bureaus ( transunion, XXXX, and XXXX ), and noticed Items that i've attempted to resolve with them for 4-5 months now and still shows unresolved with the same erros. These items have multiple inaccuracies and it's a total violations of state and federal laws and regulations ( FRCA, FDCPA, etc ).
Product: Credit reporting or other personal consumer reports

Per the FCRA as a Federally protected consumer. I am now opting out, of any and all authorization. 
I the consumer may have given you written, unwritten, verbal, non verbal per 15 U.S.C 6802, 6805 and Privacy act of 1974, 16 CFR 313.7, 16 CFR 433.1, 16 CFR 433.2, 16 CFR 433.3, 5 USC 522a I would like to be opted out of these account on my credit report XXXX  account number XXXX
Product: Credit reporting or other personal consumer reports

I am filing this urgent complaint against XXXX XXXX and XXXX major credit reporting agencies ( Experian, XXXX, XXXX ) for their egregious, repeated failures to correct blatantly inaccurate information on my credit report for my charge card account ( Account Number : XXXX ), in direct violation of my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), the Consumer Financial Protection Act ( CFPA ), and other consumer protection laws. This has caused catastrophic harm to my financial stability, nearly resulting in the loss of my home, and I demand immediate investigation and rectification. 

Since XX/XX/XXXX, I have diligently disputed this account, which is falsely reported as closed with {$760.00} written off, charged off as of XXXX XXXX, with delinquencies ( 30180 days past due ) in XXXX. This is utterly XXXX made all payments on time for this account, opened on XX/XX/XXXX, and never incurred delinquencies or a charge-off. The reporting is a baseless misrepresentation that persists despite my disputes. 

The credit reporting agencies and XXXX XXXX have failed to conduct reasonable investigations or correct these errors, violating FCRA Section 1681i ( Duty to Reinvestigate Disputed Information ) and FCRA Section 1681s-2 ( Duties of Furnishers of Information ). CRAs have provided vague, insufficient responses, claiming the information is " verified '' without detailed investigation processes or evidence, breaching FCRA Section 1681i ( a ) ( 6 ). XXXX XXXX has ignored my disputes, refusing to provide proof of delinquencies or charge-offs.

This systemic negligence has obliterated my credit score, denying me credit, loans, and financial stability. I have nearly lost my home due to these false reports, facing immense emotional and financial distress. I demand : A thorough, transparent investigation with full disclosure of processes and documentation, per FCRA Section 1681i.

Immediate removal of all inaccurate entriescharge-offs, delinquencies, and closure statusesfrom my credit report.

Compensation for the severe harm, including financial losses and the near-loss of my home.

Enforcement action against XXXX XXXX and CRAs for their willful noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in documentation to both bureaus Equifax and XXXX regarding erroneously reported information. I have spoken to customer care as well as USPS certified notarized copies and the j formation is still on my report which has caused me financial issues due to the credit scores and charged off collections and inquiries. This has been dragged on for 6 months now Im have really been working extra hard to get this taken care of XXXX has taken off the information. All three reports should pretty much have the same info. I am facing more stress along with the Covid19. I am asking that the inquiries be removed and the collection accounts as well. My credit score updated. I was denied a loan. I have been paying my bills on time and keeping my credit clean.
Product: Credit card

On XX/XX/XXXX I noticed there was a charge on my business XXXX  account. Since it was a PayPal charge, XXXX told me to see it with PayPal first, so I filed a claim with PayPal. That day, someone ( The landlord of the property rented with my card ) contacted me through XXXX and asked me if I was the person on the screen shot ( my name not my face ) and showed me an email address that was similar to mine except it had an extra letter. I said, yes that's me, but that is not my email address. So she told me someone stayed at her rental in Hawaii for 4 days. At that time I was in XXXX, and I have ways to prove I was in XXXX. I have all the conversation with the lady from the rental I can send you, she said the guy who rented the property said something was wrong with his card so he would be using his girlfriends, the property owner didn't ask for an id, so I guess they used my card, I dont know how they used my card because I had my card. I also had 2 different charges in Tennessee for XXXX XXXX, which I also disputed. PayPal denied my dispute, even though my PayPal was not used. So I filed a dispute with XXXX, XXXX also denied my dispute and sent me the conversation they had with the rental owner. Yes, I understand someone used her property, but it wasn't me, she says she has videos of the person who was there, and if she does, you will clearly see it was not me. I dont know how she got the XXXX XXXX of that person, and the phone number of the person she rented it to doesn't even exist. I placed a police report the day I noticed it happened. I didn't receive a text message from XXXX  asking if it was me or not. My card got charged {$1300.00}, and the only thing they tell me is they were going to send me the documents they used to verify I made the purchase and they just sent me the conversation with the landlord. I am willing to press charges if they find the person. I asked the lady and she says she didn't ask for an id. I dont think it's fair for me to pay for something I didn't buy, not using my PayPal , PayPal should have better ways to identify fraud, and XXXX not protecting their consumers.