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

I am writing to file a formal complaint against XXXX XXXX Bank regarding their repeated inaccurate reporting of late or past-due payments on my accounts. Despite my continuous efforts to rectify this issue, the creditor has failed to update my account information accordingly. 

I have experienced this problem numerous times with XXXX XXXX Bank, and despite disputing the information twice, the account verification has come back unchanged. This situation is not only frustrating but also damaging to my credit history. 

To provide you with specific details, I made payments to XXXX XXXX Bank on XX/XX/XXXX, with the respective amounts of {$110.00} on the account ending in # XXXX and {$96.00} on the account ending in # XXXX. I have confirmation of these payments from my checking account, which ends in # XXXX. Therefore, I can confidently assert that I am not late or delinquent on my payments. 

Despite the evidence of my timely payments, I was recently marked for XXXX as delinquent again by XXXX XXXX Bank. It is clear that there is a recurring issue in accurately reflecting my payment history, and the bank has been unresponsive to my requests for updating the account accordingly. 

I kindly request the intervention of the Consumer Financial Protection Bureau to address this matter and ensure that XXXX XXXX Bank accurately reflects my payment history. I urge you to investigate this recurring problem and take appropriate actions to rectify the inaccurate reporting. 


Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to resolve this issue and ensure fair and accurate reporting by XXXX XXXX Bank. I look forward to a swift resolution of this dispute.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I have discovered fraudulent inquiries on my credit report, specifically with Equifax. I first notified the companies involved and then filed an FTC report, which I have attached for your reference. Following this, I informed Equifax, but they have not yet taken any action to remove the fraudulent inquiries. 

This situation is causing significant damage, with losses amounting to thousands of dollars, as I am unable to get approved for credit. I urgently request your assistance in having Equifax remove these inquiries. 

Thank you for your prompt attention to this matter. 


These are the inquries XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 XXXX XXXX Inquiry : XXXX. XXXX, 2023 XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 furnmish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and request that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were opened or made without my authorization, and I am requesting their immediate removal from my credit file. 
Accounts to be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Equifax concerning to previous complaint about the inaccuracy being reported on my report. However, Equifax have failed to provide me any feedback and updates with regards to my concerns. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following list of the inaccuracies I found on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the information on my credit report as provided by your credit bureau. Specifically, I am concerned about the presence of collections accounts and unauthorized hard inquiries that are negatively impacting my credit score. Under the Fair Credit Reporting Act ( FCRA ) Section 1681, I have the right to ensure the accuracy of my credit report, and I am seeking your assistance in rectifying these errors. 

XXXX XXXX XXXX ACCT # XXXX XXXXXXXX CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX ORGINAL CREDITOR XXXX I have also noticed unauthorized hard inquiries on my credit report, which can negatively impact my credit score. I have not authorized any organization or individual to access my credit report for the following inquiries : XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

CitiBank and other large banks have taken it upon themselves to unfairly restrict access to credit and other services by companies I do business with. Specifically, companies that have anything to do with firearms and related products. On one hand, my taxes, and taxes paid by these same companies, paid for a huge bailout of Citi and other banks, to supposedly save them. On the other hand, they are unfairly targeting these companies, trying to hurt them specifically, to cause them to fail. That is inconsistent with constitutional protections of my, and their, 2nd amendment rights. This needs to be called out, and stopped.
Product: Credit reporting

The Credit Bureaus were reporting XXXX bankruptcy 's and the courts do not verify a bankruptcy and therefore in the courts they do not verify that information, that information was pulled from a third-party reporting agency, therefore it must be deleted. ( Chap XXXX and Chap XXXX on my reports ) The courts of XXXX County told me that they do not verify that information. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

This letter is a follow-up to my recent final demand regarding the unverified, inaccurate information on my credit report and my ongoing dispute.
Product: Mortgage

While on forbarance and struggling with the affects of XXXX. Our loan was sold from Wells Fargo to a new servicer. Both my husband 's and my job was affected by covid. Both of us had XXXX  along with our kids 1 of which was hospitalized for sometime as he has other very serious medical conditions as well. 

When I called today to start moving forward during this trying time they advised me they could not help me and the mortgage was sold. I have received no notification on the loan being sold and no information on how to even move forward to get help with this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. I am a insert profession here and my credit is crucial to my ability to make a living. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. I'm sure you'll agree it needs to be removed ASAP. 


The following information therefore needs to be verified and deleted from the report as soon as possible : I dispute : XXXX XXXX XXXX- Not Mine delete/remove from my credit file. 
I dispute : XXXX XXXX Not mine delete/remove from my credit file. 
I dispute : XXXX XXXX XXXX- Not Mine delete/remove from my credit file. 
I dispute : XXXX XXXX XXXX Not Mine delete/remove from my credit file. 
I dispute : XXXX XXXX Not mine delete/remove from my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I discovered that XXXX XXXX XXXX had closed my account and reported me as "deceased" to credit monitoring agencies. I have told XXXX XXXX XXXX that I am alive and well.  I have filed disputes on the report from XXXX XXXX XXXX with Equifax, XXXX, and XXXX. At this point I have great concern that Social Security thinks I'm dead as well and that I may not get my scheduled benefits. I am unable to log in to my Social Security account online, so will try again on Monday to contact them. At first I thought this rather humorous, but if I have problems with Social Security benefits it won't be funny at all. I suspect that this has happened as a result of the massive data breach that occurred at XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is a charged off account reporting with a balance the IRS Clearly defines a charge off as Gross or Ordinary income, and Income doesn't get Reported on the Consumer Reports which in facts makes your reporting of this account inaccurate
Product: Credit card

Comenity Bank took over my account from XXXX XXXX. After I paid off the balance they continued to charge me extremely high late fees even though my original balance was paid. When I contacted the company they told me since I mailed in the bill rather than paying on line that it took three weeks for my payment to be received. This in turn made my payments late, this has now happened on several occasions since paying off the balance in XXXX. The mail is only going from NY to Texas this does not take three weeks. So coincidently my last payment was 1 day late Due on XXXX received on XXXX. This happened more than once, So even though my was paid off twice they continued to charge me a late fee of over {$40.00} each time. Strange to me that they credited my account the day after the due date even though it was mailed way in advance. This month 's bill for instance I received on XX/XX/XXXX. So even if I sent it out that day there is a good chance they would mark it as late.
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 dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFBP ) 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: Mortgage

Seterus, Inc. ( Mortgage Servicing ) company has added a INCORRECT recent chapter XXXX bankrutcy to my account and can not prove to me where it came from nor can they provide me with the paper work for when this was filed, etc. I have not filed a chapter XXXX bankruptcy with this mortgage company. I have called in XX/XX/XXXX and again in XX/XX/XXXX but being told that it takes time. No one calls back with any update and I end up explaining the situation multiple times to supervisors and persons in the bankruptcy dept. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ( TRANS UNION, XXXX, AND XXXX ) IS IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Product: Debt collection

MGR.XXXX XXXX YELLED, CUSSED, AND THREATENED ME! HE SAID I WAS A FRAUD AND IS GOING TO PUT A XXXX COLLECTION ON MY CREDIT AN ACCOUNT WHICH ISN'T MINE! I RECEIVED A PHONE CALL XX/XX/2018 AT XXXX XXXX FROM A LADY AND SHE STATED SHE WAS CALL TO COLLECT A DEBT. SHE VERIFIED MY DADS ADDRESS AND THE LAST 4 OF MY SOCIAL. I INFORMED HER THAT ISN'T MY ACCOUNT I DID NOT AUTHORIZE THAT ACCOUNT AND YOU CAN NOT PUT THAT IN COLLECTIONS ON MY NAME BECAUSE I'M BUYING A HOUSE AND THAT WOULD MESS UP MY APPROVAL! SHE HUNG UP ON ME! I HAVE TO PROTECT MY CREDIT SO I CALLED BACK TO TALK TO A MANAGER. I WAS TRANSFERRED TO MGR.XXXX XXXX HE CAME OFF VERY MEAN ASKING QUESTIONS AND THEN STARTED ACCUSING ME OF KNOWING THIS IS YOUR ACCOUNT AND YOU AND YOUR DAD ARE FRAUDS! HE THEN STARTED YELLED, CUSSED, AND THREATENED ME! HE SAID I WAS A FRAUD AND IS GOING TO MAKE SURE TO PUT THIS ACCOUNT WHICH ISN'T MINE IN COLLECTIONS ON MY CREDIT! I TOLD HIM I NEED TO SPEAK TO HIS BOSS HE SAID NO I AM THE BOSS AND IF YOU CALL BACK IT WILL ONLY GO TO HIM! I ASKED LIKE 7 TIMES TO TALK TO HIS BOSS HE CONTINUED TO YELL AND SAID YOU ARE TALKING TO THE MANAGER AND I NEED TO STOP SCAMMING THEM AND PAY MY BILLS. I TRIED TO TALK TO HIM BUT HE KEPT YELLING SO I SAID I WOULD REPORT HIM HE SAID NO YOUR NOT YOU GO AHEAD AND REPORT ME YOU JUST NEED TO PAY YOUR BILLS I TOLD HIM I'M NOT GETTING ANYWHERE WITH HIM SO THAT'S WHAT I'M DOING FILING A REPORT WITH YOU THE AG 'S OFFICE ETC ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my accounts on XXXX XXXX I noticed there was past information being reported on my accounts on transunion XXXX XXXX XXXX XXXX this was all settled. on XXXX XXXX XXXX  XXXX XXXX XXXX this was all settled as well and I think is the same thing they are referring to. 

The situation Is the government said they would wipe off the debt back in 2017 if anyone has additional questions feel free to call me. I just want this inaccurate information removed from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know what happened. They just keep blocking my credit card. I have around XXXX in my checking account, and I tried to order a XXXX item, and I keep getting a resend your order message. A couple of days ago I got some kind of warning from somewhere that said I was bad for some reason???
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm looking to by a house and wanted to get preapproved for a loan. The agent found several problems on my credit report. There were 10 credit cards on my report that I never applied. I believe I am a victim of Identity Theft and these cards are fraudulent and I need them off my credit report. I have submitted a number of disputes through XXXX XXXX and XXXX. I will be submitting a police report also. Here are the cards in question : XXXX XXXX {$590.00} Limit {$500.00} Opened XX/XX/XXXX ( XXXX  mos ) On time XXXX {$0.00} Limit {$8000.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX XXXX On time XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Closed on XX/XX/XXXX XXXX Closed Limit {$600.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Closed on XX/XX/XXXX XXXX XXXX XXXX  XXXX Closed Limit {$3000.00} Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) Closed XXXX XXXX Closed Limit {$500.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Closed XXXX XXXX Closed Limit {$700.00} Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) Closed XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Closed XXXX XXXX XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Closed XXXX XXXX XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Closed This Information download from XXXX XXXX and XXXX websites
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, My credit dropped fifty points due to a report from XXXX XXXX borrowing per Transunion, and there are no details present. My account was put into automatic forebearance due to the CARES act, and I was under the impression that the report from this company to the credit companies should show " on time. '' Please advise and help. This issue happened seemingly overnight, and I want my accurate credit correct on my next report ASAP. I can not submit a claim to Transunion until I am off of work on Thursday during their business hours, as they are not allowing online claims to be submitted. I also filed an online claim with XXXX XXXX. 

Thanks in advance, XXXX XXXX A Frontline XXXX
Product: Debt collection

I have been disputing since XX/XX/XXXX with no response. I have sent multiple letters to the credit bureaus with no response from you guys regarding the settlement offer. 
I reached out to XXXX ( Comenity Bank, it shows CB/EXPRESS XXXX XXXX report ) directly via letters on XX/XX/XXXX and XX/XX/XXXX with no response. I am aware that I have a debt with your company, and would like to settle as following : XXXX XXXX for Account XXXX : XXXX You claim the amount owed on the account is {$1900.00}. I agree to settle the account in full for the sum of {$480.00} and this amount is accepted as full and final payment on said debt. I would be making the payment to : XXXX XXXX XXXX XXXX XXXX, TX XXXX If your office agrees to this settlement, please send back confirmation on your company letterhead and signed by someone with the authority to accept such offers to my address or email. XXXX is of the essence due to my present financial situation so please reply as soon as possible. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information that another credit reporting agency found inaccurate and removed it. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. XXXX XXXX Balance Owed : {$30000.00}.
Product: Credit card or prepaid card

I made my payment XXXX on time through money order. An employee explained to me if I mail out a payment I will get it on time. 
I called the company when I noticed that the payment was sitting in the process room. It's a secured card and XX/XX/2022 will make 7 months and a consideration for graduating to a unsecured card. Discover withheld my payment and applied it a day after the date. I have never been late and they are penalizing me when they gave wrong information and withheld my payment. They need to rectify this immediately. I will be reporting them to XXXX XXXXd my attorney general.
Product: Mortgage

I received an email " Notice '' on XX/XX/2022, from the CFPB, indicating a " Response '' has been received by " the company '' in response to my complaint : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 in which I read a totally fabricated list of events ; incorrectly, indicating and identifying me numerous times, as the soul subject of occurrences that NEVER happened! Or, their email " Response '' was supposed to be about some other XXXXarty and Complaint ID #. 

I then, immediately became aware of CFPB 's inappropriate and unjust close of my complaint : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022. 

So, I again submit my same problem as stated, in the COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 and the follow-up information requested by the CFPB, that was acknowledged and accepted to officially open my complaint. ( Why didn't you request any further information, such as ; documents associated with the Company 's statements in their " Response ''? ) It isn't fair that you closed my complaint before getting copies of the items they say took place. And, closed my complaint BEFORE I sent you a " Feedback '' letter.
Product: Debt collection

I, XXXX XXXX, started receiving a bunch of calls at first and then they started emailing so I recently sent a letter asking for VALIDATION of debt and they did not send what I asked and said the debt was VERIFIED. I reached out by mail separate occasions and they are not rebutting me correctly I have been in correspondence with RESURGENT RECEIVABLES, LLC through and they send me the same thing which does not Validate a debt they ( Resurgent Receivable, LLC ) claim I owe them.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade commission and I also have enclosed copies of the Federal Trade Commission Identity theft Affidavit. Please delete the items as soon as possible.