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

It is MOHELAs duty to be reporting correct and accurate information to XXXX on my credit report and file, however, they are NOT. MOHELA is reporting payment terms of 999 months to XXXX on my credit report. This is incorrect and makes my credit report appear inferior. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A student loan payment constitutes a transaction. With that said, the reporting of the inaccurate payment terms results in MOHELA & XXXX violating my federally protected consumer rights. To add to this, I did NOT give MOHELA XXXX XXXX written instruction/permission to furnish these inaccurate payment terms on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). Also 15 U.S. Code 1692e, A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. It is clear that MOHELA & XXXX have violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Mortgage

I previously filed a complaint with CFPB, the company replied and I was doing a response to their response but you have closed that prior complaint for some reason. Nothing was resolved. I attempted to call the person on the response as it was directed, but to no surprise, they failed to respond so I am filing again here.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a Consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax a bankruptcy letter, Dispute letter, and XXXX XXXX stating the reporting on my credit profile was incorrect, which was sent in support of that. I sent it by certified mail on XXXX XXXX and it was signed and received by XXXX XXXX. I called the customer service line and spoke with a gentleman who gave me a very hard time that stated he had the documents but would not adhere to them. He stated I needed a deletion letter from XXXX, which inform me they never heard of such and that the consumer report given to me by XXXX was indeed the document needed.
Product: Credit reporting or other personal consumer reports

I disagree with the information listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit worthiness. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation with the information update immediately. 

NAME : XXXX XXXX XXXX XXXX : XX/XX/year> ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYER :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX acct # XXXX, ( XX/XX/XXXX ) amount XXXX XXXXXXXX XXXX acct # XXXX ( XX/XX/XXXX ) amount XXXX XXXX XXXX XXXX XXXX acct # XXXX ( XX/XX/XXXX ) amount XXXX XXXX XXXXXXXX XXXX acct # XXXX ( XX/XX/XXXX ) amount XXXX in accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. also 15 U.S.C 1681 section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

It states that i was late paying XXXX XXXX and I wasnt. I have attached a form from XXXX XXXX stating that I was never late.
Product: Debt collection

call at place of business and all hours of night, claim a debt from XXXX randomly send threatening letters. Credit Collection Services in XXXX, MA.
Product: Credit reporting or other personal consumer reports

Subject : Demand for Immediate Removal of Charge Off and Violation of 15 USC 1681c-2 Dear Sir/Madam, I am writing to inform you that the 4 business days that you were given to block certain information in my credit report that I believe resulted from identity theft has passed, as per my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2. 

The following information is not related to any transaction or activity performed by me : EXPERIAN XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX According to federal law 15 U.S. Code 1681c2 - Block of information resulting from identity theft : ( 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 I requested that these items be blocked from my credit report in accordance with my rights under the aforementioned law in a letter that reached you earlier last month : Experian - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attached to these letters were copies of the following documents : 1. Proof of my identity [ describe the document you're using as proof of identity, such as a driver 's license or passport ] 2. A copy of the identity theft report, ( I have a Federal Trade Commission Identity Theft Report and/or a police report ) 3. A statement explicitly declaring that the disputed information does not relate to any transaction or activity performed by me.
Product: Credit reporting or other personal consumer reports

I would like to express my concern regarding XXXX, which has been running my credit XXXX times a month for the entire year of XXXX  without my permission. I want these inquiries removed from my credit report. Additionally, I would like to know why this occurred, and I believe I should be compensated for the negative impact this has had, including my recent loan denials. start XX/XX/year> each month XXXX times a month
Product: Credit card

XXXX i placed and order with who u thought was XXXX for XXXX. The next morning I noticed the payment when to a company I never heard of.. I called Chime , Inc to report XXXX they told me I was not approved for a provisional credit and I should kane a resolution by XXXX 2024.. XXXX XXXX XXXX?? FOR A FRAULENT CHARGE... I've called numerous times to get no one that knew what they are talking about.. I mean again this is fraud and I can't get my money back.. I've found others that the same thing happened to them. Chime is Stating they are following regulation XXXX .... my dispute does not fall in that category.. I'm so at a loss.. I am a single woman I don't have the money to just throw away and it was an XXXX gift.. moving forward I will talk so bad About chime to anyone that will listen.. I have a XXXX disorder and if I end up in hospital over this ... CHIME GOING TO BE PAYING FOR A LOT MORE THAN MY DISPUTED CHARGE ....
Product: Student loan

In     XX/XX/XXXX , my car was totaled and I had to resign from my position as a result. I called Navient on  XX/XX/XXXX  and paid {$150.00} for a 3-month forbearance, but the forbearance would cover the two months I was past  delinquent (   XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX ) and I  would have to call again  in  XX/XX/XXXX . I   moved in with my aunt in  XXXX , PA on   XX/XX/XXXX  and have not found a job as of yet. I did not have savings, so what I have from my final paychecks is depleted. I called Navient today,  XX/XX/XXXX , and told them I am unemployed and do not have {$150.00} for the forbearance. They informed me that if I was n't in   school or could n't pay {$150.00}, they could not stop my payments. I asked the representative to please record that I had called and informed them of my situation and tried to resolve it. I have   XXXX   co-signers : My father,  XXXX   XXXX , and my grandmother,  XXXX   XXXX . Neither of them are in contact with me right now because I went into delinquency with  Navient la st year due to financial issues and they became angry with me because of it. In   XX/XX/XXXX , I  ended a long-term relationship and moved into an apartment on my own. I also bought a car. These decisions were not financially responsible, but I bear all of the blame for them.
Product: Credit reporting or other personal consumer reports

This negative item is over 5 years old stopping the consumer from having a fair credit report through consumer law. It has now been passed in Congress through Arbitration that all negative items over two years old has to be removed from the xonsumers credit report.
Product: Credit card or prepaid card

I was scammed by a XXXX ad on XX/XX/21. Supposed to purchase a XXXX generator for {$110.00}. Never received it. Scammer gave a tracking #. USPS investigated ( Case # XXXX ) and said whatever was sent ( I'm sure it wasn't a generator ) went to XXXX XXXX XXXX in XXXX XXXX, CA on XX/XX/21. This is a residential address which has nothing to do w/me. Paid thru XXXX using Chase credit card. Opened a complaint w/ XXXX ( XXXX ) and w/Chase ( XXXX ). XXXX informed me that since I had disputed the charge w/Chase they were halting their inquiry. Chase informed me that they had judged the purchase valid because " the merchandise was sent to the location agreed to by you and the merchant ''. This was a lie. I called Chase and asked how they knew this and was told that " the merchant had suppled that information ''. So Chase took the word of a criminal scammer over their customers. Outrageous.
Product: Credit reporting, credit repair services, or other personal consumer reports

My data has been confirmed by Equifax as part of their security breach.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on Credit File Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file. These late payments are erroneous and misrepresent my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for account XXXX are inaccurate. I have been enrolled in autopay and have consistently made payments on time. 
Violations of Consumer Rights : Fair Credit Reporting Act ( FCRA ) : The reporting of false late payments violates 15 USC 1666 ( b ), 15 USC 1681i, and 15 USC 1681s-2, which mandate accurate reporting of credit information and ensure the maximum accuracy of consumer files.

Fair Debt Collection Practices Act ( FDCPA ) : Reporting these inaccuracies may constitute a violation of the FDCPA, which prohibits misrepresentation of consumer account information.

Truth in Lending Act ( TILA ) : These inaccuracies violate the TILA, which ensures the accurate disclosure of credit terms and conditions.

Civil Liability : Articles 616 and 617 ( 15 USC 1681n and 1681o ) outline damages for willful and negligent noncompliance with FCRA requirements. 
Account Details : Account Number : XXXX High Balance : {$15000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$14000.00} Account Status : Open Payment Status : Current Creditor Type : Miscellaneous Finance Payment Amount : {$320.00} Last Payment : XX/XX/XXXX Term Length XXXX XXXX  Months Two-Year Payment History : XXXX late payment noted for XX/XX/XXXX ; XXXX late payment noted for XX/XX/XXXX. 
Discrepancies Identified : Inaccurate payment history : The reported XXXX and XXXX late payments are erroneous. 
Inconsistent " Last Verified '' and " Date of Last Activity '' compared to prior records. 
Requested Resolution : I request that TransUnion conduct a thorough investigation, remove the inaccurate late payments, and update my account to reflect my accurate payment history of 100 % on-time payments. I expect to receive written documentation confirming the correction within 30 days. 
Thank you for your attention to this matter. Please let me know if you require additional information. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages tha t I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law. When we go to litigation and through the discove ry process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the  Court will order you to delete them. You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to  comply with  Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my r ights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.   Name of Account :  XXXX   XXXX   XXXX  Company :  XXXX   XXXX   XXXX  Account Number :  XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2025 I received a notification from XXXX XXXX stating a new collection has been reported to by credit report by XXXX XXXX XXXX. The balance they're reporting is XXXX. I don't owe XXXX XXXX XXXX, I never entered an agreement with them. I need them to show proof of my signatures stating that I agreed to a debt owed with XXXX XXXX XXXX because now they are committing identity fraud by knowingly furnishing information on my credit report that they weren't privied to. I want this company to remove all information regarding this debt from the credit reporting agencies which include XXXX, Equifax, and XXXX.
Product: Money transfer, virtual currency, or money service

While having a cash app there was numerous of fraudulent transactions on my account that were unsolved by the owner of cash app.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companyXXXX XXXX XXXX failed to notify us that their automated system failed to work because they sent our monthly statements to some address in XXXX, not our address ( XXXX XXXX XXXX XXXX XXXX MI XXXX. As a consequence, we were not even informed that their automated payment system failed. 

This complaint differs from XXXX - which is based upon their automated payment system not working. This complaint is that XXXX changed the mailing address we gave them ( above ) to some address in XXXX. After some investigation, it appears that someone who shares my name put in a change of address form with the USPS and that XXXX has some kind of automated system for culling such change of address information. As a consequence, XXXX stopped sending us monthly notices. Therefore, we had no way of knowing that their system failed ( until we reviewed our bank statement at the beginning of the following month ). 

Their assertion that they 'correctly reported a late payment ' is FALSE.
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. 
Account name : XXXX XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX ACCOUNT # XXXX, Account name : XXXX XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX  account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, account # XXXX Account name : XXXX XXXX XXXX  account # XXXX Account name : XXXX XXXX  XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX, has violated my rights. 

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: Debt collection

I requested a copy of the amount they say I owe. They did not provide this. They have added this debt to my credit report for XXXX. I have paid what debt they say I owe below XXXX. This should not be on my credit report. This action by this company of adding collections to my credit has affected my ability to obtain housing and could also affect my employment. I have been making regular payments to try and satisfy this debt.
Product: Debt collection

I recently disputed this with XXXX XXXX several times sent in police report etc. I received a phone call from Apelles this week regarding XXXX XXXX accounts ending in XXXX and XXXX. 

The representative acknowledge after asking questions their records does not match me. It's the same thing I disputed with XXXX XXXX XXXX XXXX. Somehow someway my identity is becoming cross with another XXXX XXXX. 

All of this is going on and XXXX XX/XX/XXXXis still reporting this file as a collection/chargeoff and late.
Product: Credit reporting or other personal consumer reports

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

Earlier in XX/XX/XXXX I Paid off one loan and 4 credit cards and decresed my balances by {$6100.00} 1 ; XXXX XXXX XXXX originally $ XXXX balance of {$3300.00} in full ( always paid by XXXX XXXX  never late ) 2 : 4 credit cards total paid : {$2700.00} XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} COMPLAINT 1 : XXXX : XX/XX/XXXX : XXXX points Pay off XXXX XXXX {$10000.00} XX/XX/XXXX + XXXX points XXXX XXXX XXXX {$470.00} XX/XX/XXXX XXXX POINTS NO EXPLANATION SO I HAVE BEEN PENALIZED XXXX Points for paying off almost {$170000.00} in balances that were never late HOW CAN YOU ALLOW THIS TO HAPPEN? 
COMPLAINT 2 : The XXXX web site will not allow me to file a complaint " AT THIS TIME '' for weeks and the so-called file a dispute over the phone runs an endless loop for 15 minutes instructing me to go online-BECAUSE NO ONE IS AVAILABLE TO ANSWER MY CALL THIS IS A WILLFUL VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPRTING ACT. AS OF THIS JUNCTURE I HAVE NO CHOICE TO ATTEMPT A DISPUTE THROUGH YOUR SITE CAN YOU HELP ME? 


COMPLAINT THREE EXPERIANXXXX I have attempted to dispute on the site THERE IS NO WAY TO STATE WHY I AM DISPUTING : JUST A DROP DOWN WITH THEIR CHOICES OF WHAT I CAN DISPUTE AGAIN : THIS VIOLATES MY RIGHT TO DISPUTE AND I END UP WASTING HOURS FOR NOTHING I WISH TO DISPUTE WITH XXXX XXXX FOLLOWING XX/XX/XXXX Payoff XXXX XXXX XXXX XXXX {$10000.00} XXXX POINTS XX/XX/XXXX XXXX XXXX XXXX  balance {$470.00} XXXX POINTS XXXX DROP MY CREDIT SCORE DUE TO CONSUMER XXXX POINTS LOAN-AND CREDIT CARDS BALANCES ( just after 1 loan is PAID IN FULL for {$6100.00} and cards have just been paid down {$2700.00} ) THIS IS INEXCUSABLE I WISH TO DISPUTE THESE ACTIONS THROUGH YOUR SITE AS I CAN NOT FILE AN ACCURRATE DISPUTE ON EXPERIANS SITE AND THERE IS NO OTHER WAY TO CONTACT EXPERIANOR FILE A NEW DISPUTE XXXX PAID OFF XXXX IN FULL XXXX POINTS the same applies here as all of the above
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, ACCT # XXXX, is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, 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. This collection, by law, MUST be DELETED from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX, and I would like help in my Experian report getting fixed. There is a XXXX  XXXX XXXX account on my credit file, in which the credit reporting company has no shown any document with my signature on it. By Federal Law, this account has to be removed. I have no contractual obligations with XXXX  XXXX XXXX. Experian has still yet to acknowledge that my report is incorrect and that this account ending in XXXX has not been validated and verify by any physical contract. It must be removed from my credit file.