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

I obtained a copy of my credit report and noticed multiple hard inquires that I did not authorize. I reach out to the credit bureau and they were unable to help me. Please remove these unknowns inquires as it is hurting my credit.
Product: Credit reporting

I recently reviewed my Experian Credit Report. I have been disputing a XXXX Account ( # XXXX ) since XXXX 2016. XXXX & XXXX have completed their investigation and removed the negative account from my Credit Report ( XXXX & XXXX ). Unfortunately, Experian remains with this negative account on my Experian Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was leaked by Equifax which puts me at great risk of identity theft.
Product: Credit card or prepaid card

I had an account in 2018 that was paid in full Never late and Discover did a fantastic job of helping to clear up an internal error that was giving me credit card decline. 

They finally approved me for a credit card with a XXXX limit after contacting both you and Discover. 

Recently I have applied for a loan wanting to consolidate maybe XXXX or so that I have an outstanding debt due to Covid and Discover gave me yet again that old reason for declaration prior or existing accounts etc. Letter enclosed.
Product: Credit card or prepaid card

I recieved a promotional " preapproved '' credit card notice on XX/XX/XXXX. Was declined on XX/XX/XXXX from M & T bank. The language in the application process when I entered in the promo code and supporting information stated that due to the preapproved status it would not be a hit on my credit report if I was declined. I asked the representative on XX/XX/XXXX at around XXXX XXXX after being declined if my credit would be hit she said basically it would but could not say if it would be a soft or hard inquiry. I went to look back at the language of the actual application stating my credit would not be impacted was locked out of the application since it was, completed and given the phone number I just called. I could not see if the terms and conditions were different from the advertising. I think someone should investigate the whole " preapproved '' credit card for existing customers process at M & T to see if they are giving misleading information or maybe blurring the lines to go under the radar of the FCRA. They may be ok here with their terms and conditions but I couldnt review them again due to being locked out of my application to doublecheck and the reps confusion to my request. Thats why I think its worth looking at their whole process to see if they are advertising their offer per the guidelines of the FCRA. Thank you for your time and attention.
Product: Debt collection

DEBT recently appeared as collections. May seemed to have been re-aged. 

Unrecognizable/ unauthorized
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transaction by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact, I am in fact, requesting this block on behalf of myself. On XX/XX/2024 and on XX/XX/2024 Experian, XXXX, and XXXX were all notified by certified mail. According to FCRA my rights are in violation of 15 usc 1681c-2 consumer request to block information from alleged identity theft making the credit reporting agency civilly and criminally liable according to 15 usc 1681n and 15 usc 1681o.
Product: Credit reporting, credit repair services, or other personal consumer reports

Method of verification On multiple occasions I requested verification from the credit bureaus to which they have responded with verified ( attachments ) .i have now requested for Method of Verification ( attachments ) which I am entitled to according to the FAIR CREDIT REPORTING ACT, paragraph 7 section 611.
Product: Mortgage

I have a catastrophic " Comprehensive '' homeowners insurance policy. It covers FLOOD, fire, wind, hail, water damage related to emergency, earthquakes and earthquakes caused by volcanic eruptions. I have had the same insurance carrier for this coverage since XXXX. NewRez after their XX/XX/XXXX Annual Escrow review decided to Force-Place Flood Insurance disregarding the sufficiency of demonstration of having private flood insurance and that/those insurance declarations and riders. I have not received notice of increase mortgage payment in accordance with the National Flood Insurance Act of 1968, RESPA, or the Fair Debt Collection Act. I have also not received the XXXX Payment Statement so I can mail in the proper mortgage payment
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies inn my credit report. Despite my submissions, Experian 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. 1981I, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's 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. 2025-CFPD-0002 ) against them for similar actions. I request that the CFPB take action to ensure Experian complies with the federal law and provides consumers with the necessary proof of investigation. 



These are the accounts that I have marked as inaccurate. 

XXXX XXXX account no. XXXX XXXX XXXX XXXX XXXX account no. XXXX XXXX XXXX XXXX, XXXX account no xxxxxx XXXX XXXX account no. # # # # # XXXX XXXX XXXX XXXX account no xxxxxx XXXX XXXX XXXX XXXX account no. XXXX XXXX XXXX XXXX account no. XXXX XXXX XXXX XXXX account no. XXXX XXXX XXXX XXXX account no. XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX  regarding their failure to provide IRS Form 1099-C documentation for an account they claim has been charged off. This failure raises significant concerns about the accuracy of the information being reported to credit bureaus. 

The details of the account in question are as follows : Account Number : XXXX Reported Balance : {$430.00} I have previously contacted XXXX XXXX XXXX  requesting a copy of the 1099-C form for this account to verify their reporting of the debt as canceled or discharged. However, despite my request, they have failed to provide the requested documentation or any evidence supporting their continued reporting of this account.

Without proper documentation, the reporting of this account may be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). Their failure to validate this account creates confusion and potentially damages my credit profile unfairly.

Actions Requested : 1. Investigate XXXX XXXX XXXX  failure to provide the requested 1099-C form for the account listed above.

2. Verify whether XXXX XXXX XXXX  properly discharged the debt and issued the required documentation to the IRS.

3. If XXXX XXXX XXXX  can not provide the requested documentation, require them to remove any negative or inaccurate reporting related to this account from my credit report immediately. 

I respectfully request the CFPB to intervene to ensure that XXXX XXXX XXXX  complies with federal laws and provides accurate reporting. Please let me know if further documentation or clarification is required. 

Thank you for your assistance.
Product: Debt collection

I notified Genesis dba Columbia Debt Recovery verbally by phone and email that I do not owe this debt. They are attempting to collect a debt from XXXX XXXX XXXX  which upon looking them up is an apartment complex in Texas. I advised them that I have no idea who they are and have never done business with them. I am born and raised in Alabama and have never lived outside of Alabama so I have no idea where this debt is coming from. I've asked them to stop contacting me and they continue to do so.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/2024. Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX ( XXXX ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

Additionally, under the Truth in Lending Act ( XXXX ), XXXX XXXX XXXX, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

Below are the details of the disputed account : XXXX XXXX : ** XXXX XXXX XXXX XXXX : ** XXXX
Product: Credit card or prepaid card

Somebody was stolen my information and opened credit card in XXXX company at XX/XX/2022. Amount is XXXX $
Product: Debt collection

THIS DEBT COLLECTOR IS ADVERTISING TO COERCE PAYMENT OF DEBT WHICH IS ILLEGAL. THE AMOUNT OF ALLEGED DEBT IS IN A POSITIVE STATE. THIS WAS A CONSUMER CREDIT TRANSACTION AND NO FINANCE CHARGES WAS INVOLVED. THEIR LETTER DOES NOT DISCLOSE THAT THEY ARE A DEBT COLLECTOR.
Product: Credit reporting

I recently pulled my credit report from Transunion and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with Transunion and the results of the investigation came back as " verified ''. I did not have an account with XXXX during this time period. XXXX is incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. They continue reporting this account as negative on my credit report and therefore makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless this debt is immediately removed from my report.
Product: Student loan

In XX/XX/XXXX, XXXX  XXXX XXXX was serving my federal student loans. At that time, I became eligible for Public Service Loan Forgiveness with 122 of 120 required qualifying payments made and verified by XXXX XXXX XXXX. However, no further action was taken to send my information to the Education Department for discharge of my loans, a process I was told by customer service it would take 30 days for discharge after reaching 120 payments, and that I needed to take no further action. I waiting to hear confirmation that my loans were forgiven and discharged. 

However, in XX/XX/XXXX I learned my loans would be transferred to MOHELA for servicing ( email attached ). I received a welcome email from MOHELA in XX/XX/XXXX ( email attached ) as well as a loan verification document ( document attached ). I continued to wait for forgiveness. 

In the meantime I heard from others who had reached 120+ payments at XXXX XXXXXXXX XXXX that they had not been transferred to MOHELA and that their loans had been discharged. I called MOHELA in XXXX to inquire about the status of my loans. I was told that the XXXX Department needed to review my loans before discharge and to wait 30 days. I called again in XXXX and was told me loans had not been sent yet to the Education Department for review and that it could take 30 days and to call back again, that there would definitely be an update in 30 days. I called again in XXXX and was told to wait 30 days because the Education Department was reviewing my loans. I called in XXXX and was told by loans had never been sent to the Education Department for review and that they would " expedite '' the process for me and to wait 30 days. I called again today, XX/XX/XXXX after hearing no updates. The agent I spoke with today told me that my loans had just been sitting with MOHELA and had not been sent to the Education Department for review, and that I should have been forgiven in XX/XX/XXXX. She advised that because I had already reached 120+ when my loans were transferred to MOHELA XXXX that MOHELA XXXX no further action to process my loans toward PSLF forgiveness once they because my servicing. She told me that she is going to expediate my case ( although I have heard that before ). This time she did give me a case ticket number # XXXX.
Product: Debt collection

The debt collector called me several times within the last month or so, the pass two days I answered each call and told him I was at work and will call him as soon as I have a minute. I also provided him with an email address as well. He then proceeded to call my husband who I am currently separated from and explained my debt situation to him in detail. Causing me an enormous amount of stress.
Product: Credit reporting or other personal consumer reports

I have tried contacting this company multiple times and even went through this portal to submit an official complaint in XXXX with no resolution or clarification on this consumer account. 
I am writing to bring to your attention a serious matter related to my consumer rights, which, i believe, your company has breached. The particular rights in question pertain to the validation and reporting of debt, as governed by the fair debt collection practices act ( FDCPA ) and the fair credit reporting act ( FCRA ). 
In this context, I had previously asked for a verification of a debt that is purportedly owed by me. I attach herewith the related correspondences as evidence of my request. 
However, your organization has continued to fail in providing me with the necessary validation, a contravention of the FDCPA. In addition, despite the ongoing dispute, you have continued reporting this contested debt to the credit bureaus, an action that infringes on the FCRA and inflicts harm to my reputation. 
In order to reconcile these issues, I once again implore you to adhere to the FDCPA by providing me with the following information : 1. Evidence of your legal entitlement to collect the alleged debt.

2. A detailed account statement delineating the claimed balance, inclusive of all charges, interest, and penalties.

3. The contract bearing my explicit signature, thereby establishing my liability towards the debt.

4. Please note that the legal concept of estoppel by silence ; implies that your failure to respond, despite the obligation to do so, indicates your concurrence with my stance that this debt is invalid. I shall resort to invoking this principle in my defense, if necessary.

I expect to receive the requested information within 15 business days from the receipt of this letter. If you persist in neglecting my request for debt verification, I reserve my right to initiate legal proceedings against your company for the breach of my consumer rights as stipulated in the FDCPA and the FCRA. I may also consider seeking damages, should the situation warrant such action. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account from Equifax, I mentioned to them that this account is not mine and I also included my police report and FTC report. The account from XXXX XXXX XXXX XXXX is still reporting despite that I asked Equifax to remove it from my file multiple times.
Product: Credit reporting or other personal consumer reports

These are fraudulent accounts, please delete Incorrect names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXXXXXX, XXXX OH XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I purchased and financed a XXXX XXXX XXXX from a used car dealership XXXX XXXX XXXX  in XXXX XXXX At the time of purchase the dealership insisted I must finance the car purchase through them. I was approved for the loan through XXXX XXXX Bank the dealership had set up. After purchasing I had trouble obtaining the registration and contacted them several times. In XX/XX/XXXX I received the car title in the mail that showed two liens holders on the vehicle. Bank of America as lien holder 1 and XXXX XXXX bank as lien holder 2. I immediately returned to the dealership. I was told this was an error and I should receive the updated title in the mail in a few weeks once the DMV updated their records. I had followed up countless times since with the dealership. After following up with the DMV it was determined they did not receive the lien release from bank XXXX. In XX/XX/XXXX I began contacting Bank of America, XXXX, XXXX XXXX Bank, XXXX XXXX XXXX XXXX  to help resolve this issue. After a long lengthy process and contacting several agencies it was determined the car was fraudulently registered in my name without my knoledge. The dealership is now no longer in business and I have been unable to obtain the lien release from Bank of America so I can sell the car. I have contacted bank of America several times regarding this. Additional documentation and details since I contacted bank of America last are attached.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Re : Dispute of Unverified Addresses and Incorrect Information - Demand for Immediate Removal. 



I am writing to you because of the previous disputed information in my credit report history and I have identified the following issues and reason why these are completely inaccurate and the following accounts that have been illegally added to my credit report without proper verification : Unverified Addresses : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Incorrect Information : property address information was called XXXX  XXXX XXXX and their business is INACTIVE due to admin dissolution for Annual report. 



1.Unverified Addresses : XXXX XXXX XXXX XXXX XXXX NY XXXX 2.Incorrect Information : Property Information is called XXXX XXXX  XXXX XXXX. never had a lease or any important documents sent to this location. I have no business or anything tied to this property. 













1. Unverified Addresses : XXXX XXXX XXXX XXXX PA XXXX 2.Incorrect Information : property information is a house but I never had lease or rental agreement documents. I never signed or put my personal signature on anything pertaining to this location. 





1. Unverified Account Information : XXXX XXXX XXXX 2. Incorrect Information : This account is closed and the creditor considers it a loss. In fact, I noticed the old address XXXX XXXX XXXX XXXX, XXXX FL XXXX is/was the original but recently updated and changed to current. But the address is not only inaccurate but not on listed my credit history. 





1. Section 605 ( a ) which prohibits reporting of outdated information.

2. Section 611 ( a ) which requires you to conduct a reasonable investigation to determine the accuracy of disputed information.

3. Section 623 ( b ) which requires furnishers to verify the accuracy of information provided to credit reporting agencies.

Furthermore, as per the FCRA Section 611 ( a ) ( 5 ) ( B ), if an item of information has been previously deleted, it may not be reinserted in a consumer 's file unless the person who furnishes the information certifies that the information is complete and accurate. I demand that these illegally added and unverified accounts be immediately removed from my credit report. Failure to do so is a violation of federal law and may result in further legal action. Please provide a written confirmation of the removal of these accounts within 30 days, as required by the FCRA.
Product: Debt collection

Nationwide Recovery is changing me for an account that does not belong to me. I have asked them several times for proof that the account belongs to me and they have yet to provide it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent documents to transunion to investigate the alleged student loan debt from XXXX on my credit report. I told transunion to provide me with an original contract with my signature from XXXX that shows proof that I'm responsible to pay an alleged student loan debt. Transunion responded with a letter stating that my address is out dated. I demand XXXX be deleted from my credit report immediately.
Product: Mortgage

Lending tree advertises 30 year mortgage rates. When you inquire about this loan ( what company is offering this rate ) they will not provide this information. 
They refuse to give you any information validating their advertising claims.
Product: Debt collection

People Commerce is on my credit report as an repo. I was a victim of receiving a lemon from this agency. And I was included in a class action lawsuit against this company and was compensated. The Pennsylvania attorneys general office would brought the class action suit on my behalf also told me this should be removed from my credit report. I was able to have it removed from XXXX but XXXX still have it on my account.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notice some fraudulent accounts.Please remove these accounts they are hurting my ability to obtain credit
Product: Mortgage

My loan home loan for my primary ( only ) home is through BB & T, and secured by XXXX XXXX, and has PMI. I have had the loan for about 6 months and have now paid more than 20 % off. I requested in writing they cancel/terminate my PMI, but they responded that I could not do so since my loan did not have 24 months of payment history ( quoting the Homeowners Protection Act, some protection eh? ). I believe they are in error and should cancel/terminate my PMI as requested. Please assist me in resolving this issue. 

Thank You XXXX http : //www.consumerfinance.govXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It 's a XXXX XXXX charge off from XXXX, two accounts deragortory status They where charged off by XXXX XXXX and today on equifax they show as a current charge off XXXX. This was changed when I asked to be r moved XXXX continues to report as the last and this monthXX/XX/XXXXas a charge off date. Every one at equifax is XXXX or XXXX call centers. 
When they see that XXXX was the charge off date and do n't know what to do, I have disputed this and XXXX comes right back with fraudulent statements Please remove I agree it 's a charge off from XXXX soon to drop on credit reportXX/XX/XXXX. I need this correcte d no one will