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

If, after any reinvestigation after paragraph ( 1 ) of 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 


I sent out validation letters to the 3 credit bureaus ( XXXX, Equifax, XXXX ) to verify the following accounts below. The credit bureaus sent letters verifying all information on the reports. Here are those accounts that were in dispute : Account : XXXX XXXX XXXX XXXX Account was disputed by consumer ( me ) because of inaccurate information. After the reporting agencies reported the account as verified, I still found information that is still inaccurate as follows : ( can also be found in screenshots attached ) - 'Date of Last Activity ' is inaccurate XXXX reports : XX/XX/XXXX Equifax reports : XX/XX/XXXX - 'Date Reported " is inaccurate XXXX reports XXXX XX/XX/XXXX Equifax reports XXXX XX/XX/XXXX The account has already been deleted by XXXX due to these inaccuracies but Equifax & XXXX have yet to delete them and I'm requesting assistance with the deletion of this account through CFPB. 


Account : XXXX XXXX XXXX  XXXX Account was disputed by consumer ( me ) because of inaccurate information. After the reporting agencies reported the account as verified, I still found information that is still inaccurate as follows : ( can also be found in screenshots attached ) - 'Date Reported ' is inaccurate on all 3 bureaus XXXX reports : XX/XX/XXXX Equifax XXXX : XX/XX/XXXX XXXX reports : XX/XX/XXXX Requesting deletion of this account due to inaccuracy even after reporting agencies reported information as verified. 


Account XXXX XXXX XXXX XXXX Account was disputed by consumer ( me ) because of inaccurate information. After the reporting agencies reported the account as verified, I still found information that is still inaccurate as follows : ( can also be found in screenshots attached ) - 'Date of Last Activity ' is inaccurate on all 3 Bureaus XXXX reports : XX/XX/XXXX Equifax reports : XX/XX/XXXX XXXX reports : XX/XX/XXXX - 'High Balance ' is inaccurate on all 3 Bureaus XXXX reports : {$0.00} Equifax reports XXXX {$520.00} XXXX reports XXXX {$1300.00} Attached files to show inaccuracies are from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XX/XX/2022 - XXXX XXXX  XX/XX/2022 - XXXX  XXXX XXXX XX/XX/2022 - XXXX  XX/XX/2022 - XXXX  XX/XX/2022 XXXX XXXX : - XXXX Account # : XXXX - XXXX Account # : XXXX - XXXX Account # XXXX - XXXX XXXX Account # XXXX 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.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed a few unauthorized inquiries that I have no knowledge of & also an account under collection. I am distressed that these were included in my credit the information below Inquiries : Unnathroized XXXX XXXX XXXX  XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX - XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX - XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XX/XX/2023 Unauthorized XXXX XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Collection Account : This following is not mine XXXX XXXX XXXX XXXX Opened XX/XX/2023 Balance - XXXX $
Product: Debt collection

I do not owe this debt and would like for it to come off all  XXXX  credit bureaus.
Product: Credit card or prepaid card

I paid {$2000.00} for a one week stay at XXXX resort in XXXX XXXX. However, I had to leave 2 days early. The resort agreed to refund the remaining balance of {$570.00}. I have a email from management authorizing the refund. Now the resort wants to charge me the {$570.00}. I have contacted the chase cradit card company but getting the run around.
Product: Mortgage

specialized loan XXXX I have contacted this company several times ... XXXX- XXXX all around the XXXX of each month. I keep getting different answers from each person. We are behind, but was on the understanding we were on a repayment plan. Now they are telling us they will only take money through XXXX XXXX or XXXX XXXX which is a huge inconvience. 

We had several deaths in family and basically fell apart. this is why we fell short. 

We did not ask to be with this company to begin with. Not impressed with SLS
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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.XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I woke up today to find inaccurate accounts listed on my credit report, and I can't figure out how this happened. Ive been regularly checking my credit report without any problems until now, but today, I noticed discrepancies that seemed to appear out of nowhere. I even tried refreshing my browser multiple times, hoping it was a temporary glitch, but nothing changed. The errors remained, leaving me anxious and confused. XXXX begging for a thorough review of the documents Ive provided so that I can finally have peace of mind.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I was notified by email by " XXXX XXXX '' that my credit score fell to " bad credit '' ( from XXXX to XXXX ). I could see that they took the information from Transunion and reported it to me. I called Transunion to report the fact that my activity had not changed and should not warrant a drop to a " bad credit status ''. I also explained concern because two years ago I had posted fraud alerts with all major credit reporting due to identity theft. Transunion failed to address my concerns and said I needed to get " XXXX '' to explain the drop in score. I contacted XXXX via email and they said to contact Transunion. I have reached out every way I know how. There was NO interest in resolving my problem on the part of either company. I want the companies to explain how someone without any credit cards can have an abrupt change in credit score. Two years ago I closed every credit account I had to prevent further identity problems. I had an XXXX score before the identity theft. After I closed all accounts my score was about 600. Over the last two years the score climbed to XXXX. I made no changes during the two years. I made no changes recently and yet, today they reported my credit score dropped from XXXX to XXXX ( bad credit ). I worked hard all my life, mostly at two or three jobs at a time to make ends meet. I paid all my bills on time. I never made any mistakes. But I am being punished over and over with jolting " bad credit '' reports. If this is how a hardworking American is treated, there is something seriously wrong with these credit reporting companies. And as a Us Citizen, I am not being granted any information about what might be happening at these credit reporting companies. I am asking that the Consumer Financial Protection Bureau act on my behalf to correct this " bad credit '' report. I should be seen as a very good credit risk because I have always handled my credit responsibly, even when I had the identity theft two years ago. Please help. Thank you.
Product: Mortgage

I have a Fix Rate VA Mortgage Loan, agreements states which I signed and agreed to with XXXX XXXX of 6.5 % interest rate. 

Loan originated with XXXX XXXX in XXXX of XXXX, then sold to Pennymac in XX/XX/XXXX with my first payment ( for XX/XX/XXXX ) made to XXXXXXXX XXXX on XX/XX/XXXX which was sent over to Pennymac and applied correctly as per my VA Mortgage Agreement of 6.5 % rate. 

Payments History : XXXX Pmt. for XXXX XXXX applied correctly as per my VA Mortgage Agreement of 6.5 % rate. 
XXXX Pmt. for XXXX XXXX applied correctly as per my VA Mortgage Agreement of 6.5 % rate. 
XXXX Pmt. for XX/XX/XXXX applied incorrectly as per my VA Mortgage Agreement. I was charged interest at the rate of 6.8 % instead of what my Mortgage Agreement states. 

What I have done to have this resolved : I called on XX/XX/XXXX after making my XXXX payment on XX/XX/XXXX and noticing this error. Spoke to a XXXX XXXX, he stated the money went to escrow and that he was submitting a work order to get the money allocated correctly. I informed XXXX XXXX the money did not go to escrow but instead went towards interest over charging me more interest than 6.5 % but I was charged incorrectly 6.8 %. He said it will be corrected and to allow XXXX business days for the correction ( XX/XX/XXXX ). 

Called on XX/XX/XXXX ; Spoke to XXXX, Explained to her as I did to XXXX XXXX on XX/XX/XXXX, That I was over charged interest at a rate of 6.8 % instead of 6.5 % as per my VA Loan mortgage agreement. She stated she placed another work order to have this looked into and corrected, to allow XXXX business days ( XX/XX/XXXX ). 

Called on XX/XX/XXXX : Spoke to XXXX, Explained to her as I did to XXXX XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX, That I was over charged interest at a rate of 6.8 % instead of 6.5 % as per my VA Loan mortgage agreement. She stated she place another work order and this time have it expedited, she place me on hold while she received authorization from her supervisor to have the work order expedited, to have this look into and corrected, to allow another XXXX business days ( XX/XX/XXXX ) and XXXX stated I will receive a call by or before XX/XX/XXXX. 

Called Again on XX/XX/XXXX : This time XXXX pick up and she remembered our conversation from XX/XX/XXXX. I explained the issue has still not been resolved and no one from Pennymac has contacted me. I explained to her how I was being charged a higher interest by Pennymac of 6.8 % vs my VA Mortgage XXXX agreement and went over the calculations step by step. I again requested a callback from someone that could go over the numbers because numbers are numbers, and this is simple math. 
XXXX created another work order # XXXX compose of the correct interest calculations and submitted it on XX/XX/XXXX. 

I am being charge interest at a higher rate than what my Fix Rate VA Mortgage Loan agreements states which I signed and agreed to with XXXX Mortgage. 

To get through a live representative at Pennymac is very difficult and time consuming because all the AI prompts push you back to the AI prompts. I want this to be resolved at the lowest level possible.
Product: Debt collection

I am writting to report multiple violations to my rights as a consumer. I tried to solve this matter with Macys/DSNB in the past, but they have failed to give me a fair solution to my issue. I have a Macys/DSNB. Acc # XXXX. Opened : XX/XX/XXXX. Status : Closed. Limit : $ XXXXThis company has been reporting incorrect information to the credit bureaus.

This company has failed have failed to provide me with an answer to my letter sent back on XXXX XX/XX/XXXX. They did not listen to my demand and the did not even acknowledge my time spent in sending this correspondance to them. As of today, the account is not under investigation since they did not remarked it as disputed. This is a violation to the FCRA. They are being Unfair and Negligent. 

They are also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting false and erroneous information. This account is related to fraud and they are still reporting it. 

This is affecting me physically and mentally and I want a fair solution to this issue. I am demanding a deletion letter from Macys/DSNB and I want them to stop collection activity on this account. If they dont provide me with the deletion letter that I am demanding, I will not hessitate taking this to a court so a judge decides. I am sure that when I sat down with my attorneys the list of violations will go up. 

Thanks to whomever reads my complaint. See attached documents sent to Macys/DSNB, which they ignored.
Product: Credit card or prepaid card

I rented a car and then canceled the reservation because the company charged XXXX weeks ahead of reservation date. 

When I canceled, rental car company refused to give me a refund. 

I contacted Capital One bank and they said they couldn't resolve the issue either and I ended up paying for a car rental which I didn't use.
Product: Credit card or prepaid card

I have been trying to reach Truist for months! I can not get a representative that can even see my accounts. There are 2. One was a secured card the other a loan. I am doing my best to settle these things but between the hour long hold times all to be transferred to different depts that eventually hang up on me- the process has been horrid to say the least
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. 

These are the accounts that I have marked inaccurate ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I purchased XXXX upgrades on a flight from Washington to XXXX on XX/XX/XXXX, and the person who made the upgrade swiped multiple times my credit card, and she told me she charged XXXX ticket and asked for another card to charge the XXXX  ticket, but she already charges the XXXX tickets with the original card I dispute XXXX of the transaction, but they say that they have to charge XXXX tickets they don't realize that I already pay XXXX ticket with another card : the original card was an XXXX XXXX From Bank of America, and I spent the XXXX  ticket with my wife card from XXXX also I have different statements of the bank
Product: Money transfer, virtual currency, or money service

The banks failed to implement proper fraud prevention safeguards The banks failed to investigate customer complaints The banks failed to stop transfers when there were signs of fraud The banks failed to share information about known fraudulent transactions The banks failed to report fraud incidents consistently or on time resulting in unauthorized transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I place a fraud alert on my credit file that indicates that if anyone runs my credit, they need to call me to verify and that was not done which violates my rights as a consumer. I reach out to Transunion, and XXXX on more than one occasion to advise them of these unauthorized inquiries and they have done nothing about it. I also have a police report for my wallet being stolen which had some of my personal information in it and I believe that someone has been trying to apply for credit in my name.
Product: Credit reporting or other personal consumer reports

This is Third attempt, I dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am disputing the following collection accounts : I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C 1681i ) Account XXXX XXXX XXXXXXXX, XXXX account XXXX XXXX XXXX XXXX XXXX -account numberXXXXXXXX XXXX XXXX XXXX-account number-XXXX, XXXX XXXX XXXX-account numberXXXX Please note that accurate reporting is crucial for fair credit practices , and it is my right as a consumer to insist upon this. If these inaccuracies are not corrected, it could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages
Product: Credit reporting or other personal consumer reports

XXXX XXXX, SSN : XXXX, D.O.B XX/XX/XXXX : This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the consumer credit reporting agency,, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of person credit cards and other 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries collections appearing on my consumer FICO credit report. I've attached a list of accounts in question the aforementioned accounts, collections appearing on my consumer credit report were not opened, made, or initiated by me. All of these are a result of fraud. I have attached a copy of the FTC identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collection are the result of identity theft and fraud.
Product: Debt collection

My name is XXXX XXXX, Im in my late XXXX, and trying to reach out to this debt buyer and the three Credit Reporting Agencies has been the most difficult task I have ever encountered.

Im desperate. 

I know the CFPB has inroads so please take this nightmare away from me and to them! 

THIS DISPUTE IS REGARDING ORIGINAL LENDER : XXXX XXXX  Acct XXXX in the amount of {$2600.00}. 

This trade line just appeared on my credit report. I explained it was probably a credit mix up and asked to have it removed. But my request was completely ignored. 

It was never my loan. I never applied for it and never received it. As a matter of fact, I was told that not a single payment was ever made on that note. 

I got an email offer in XXXX via email to settle the amount for {$260.00}. 

I accepted because I was tired of the calls. Every morning, before I got up they were already calling! 

But it should not be that way. The information on there is supposed to be accurate and they have a legal obligation under the Fair Credit Reporting Act 's Furnisher Rule. 

The FTC enforces the rule, and has guidance about responsibilities to furnish information that's accurate and complete, and to investigate consumer disputes about the accuracy of information they provide. 

For 26 months I have tried to have this debt either validated or deleted and Ive achieved neither. 

When NATIONAL CREDIT ADJUSTERS, a debt buyer, bought the bad debt they wanted the full {$2600.00} paid by me no matter what I said to them. 

I mailed 4 letters via USPS CERTIFIED AND RETURN RECEIPT to NCA from XX/XX/XXXX to XX/XX/XXXX. 

For 26 months I asked them to either validate the debt or delete it from my files. 

They ignored me and the debt remains on all 3 credit reports. 


XX/XX/XXXX I mailed XXXX, XXXX AND XXXX a letter stating my intent to sue. 

I hope that there is resolution between NCA and I. 

Ideally, CRAs will now investigate this reported debt, see it is not mine and delete it OR let me know their findings instead of shooting a VERIFIED with no explanation or source. 


Enclosed is documentation supporting my request : the letters mailed over the last 26 months ( although they did nothing to help ). 

Please investigate this matter and delete the disputed item as soon as possible. 


Sincerely, XXXX XXXX Enclosures : XX/XX/XXXX Validation Letter mailed via USPS CERTIFIED RETURN RECEIPT XX/XX/XXXX INVESTIGATION REQUEST # XXXX XX/XX/XXXX XXXX Validation Request explaining why Letter from NCA did not satisfy XX/XX/XXXX Investigation Request # XXXX XX/XX/XXXX Letter to NCA XX/XX/XXXX Letter to NCA XX/XX/XXXX NOTICE WRITTEN & MAILED VIA USPS WITH EXPLANATION FOR INTENT TO FILE SUIT XX/XX/XXXX ONE MORE SHOT AT RESOLUTION WITH CFPB