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

XXXX has failed to fulfill its legal obligation under 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 systematic 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 experience 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 to amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called on XX/XX/2023 about credit report to public housing apartments was told my credit account was frozen and that the number on file needed to be verified the number was a old number but i was able to pull up my XXXX credit account and see the number on file and even change it i was speaking to the male representative on the phone who kept telling me that the information was incorrect and i was seeing it clearly with my own eyes i was able to verify the address on file as well as my social name and date of birth but because a old number was on file he said i had to wait 48 hrs and i was looking at the account with the old number which he was stating was still incorrect. I updated the number on my account and seen there were more discrepancies on my account as well it has multiple names i am unaffliated with as well as addresses which makes me nervous and suspect my account could be compromised.
Product: Debt collection

I checked my credit report on XX/XX/XXXX and noticed a collections from company named Jefferson Capital Systems LLC. Their address is XXXX XXXX XXXX XXXX XXXX, MN XXXX. Their phone number is ( XXXX ) Says account opened XXXX, XXXX. States account is past due as of XXXX XXXX. States account number is XXXX. States balanced owes is {$950.00}. I have never received a letter from this debt collector of this matter via email, text, or mail. Never have received a letter from them to my mailing address. Never have received any calls from them. I have no acknowledgment of this account. When I tried to call Jefferson Capital Systems number provided on my credit report, it immediately has a recording asking for your social security number or your account number. Upon me trying to enter both, the recording replys back and says, there are no customer service reps available and no information can be provided link to my social security number nor the account number they provided on my credit report. Also XXXX does not exist. XXXX existed over 10 years ago but now they are called XXXX. I did try to obtain the original creditor contract from them but you can not speak with anyone of this company.
Product: Credit card or prepaid card

Bank of America has closed all of my accounts without my consent. It includes all of my checking, savings, brokerage and credit card accounts. I have paid everything off on top in full. On top of that, they have not let me withdrawn any of the credit card points that I have earned with them. I have accumulated XXXX points, which is worth at least {$2500.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I requested debt validation and verification of a collection reporting on my credit report in the amount of {$4300.00} from XXXX XXXX XXXX. A proper investigation was not rendered by Experian and I did not receive proof of assignment, validation or contract that grants legal authority to collect on this debt. The recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian highlights systemic issues with sham investigations, underscoring the importance of compliance with federal law. Per the FCRA, Experian must verify disputed information with evidence such as original creditor contracts or delete the inaccurate entries.
Product: Vehicle loan or lease

I was trying to lease a car and I got deline because of my credit but they still did what they did cause now it alot of people calling from I don't where
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a recent late payment action that has been reported on my account and reflected on my credit report. There has been an error, and I would like to thoroughly review my account to fix this situation. 

Date of Late Payment : XX/XX/XXXX Reference : Extension Tax Assessed {$57.00} Date of last contact XXXX XXXX XX/XX/XXXX I have been a diligent and responsible customer of XXXX for over three years. Throughout this time, I have consistently maintained timely payments on my account. However, it has recently come to my attention that a late fee has been recorded on my account and subsequently reported to the credit bureaus.

Upon thorough review of my records, I am confident that there has been no legitimate reason for a late payment to have occurred. I have not received any prior notices or communication indicating any outstanding payments or issues with my account ; my account was on autopay for over 3 years, and I never missed one payment. Even when speaking to XXXX representatives over the phone and applying for a lease extension, I was not notified that the extra tax charge on the lease needed to be paid separately. Furthermore, I have diligently maintained a record of timely payments, as my account was on autopay for the entirety of my association with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The company Trans Union is reporting false and misleading account information on my consumer credit report, furnished from XXXX XXXXXXXX XXXX I have already reached out to XXXX XXXXXXXX XXXX and reported the account information as identity fraud. I submitted a request to Trans Union to block the information resulting from identity theft within 4 business days, but my request was converted into a 30-day dispute without my knowledge. Credit reporting agencies are supposed to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Unfortunately for me I am not experiencing fair treatment, and my consumer credit report is still not 100 % accurate. Please see attached legal complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone filed for unemployment in mine name in 2021 i did not do this. Also wanted to see if there is wrong stuff on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Credit Report by Experian and noticed a 30 day late payment on my XXXX Card account from XX/XX/XXXX - XX/XX/XXXX. In XX/XX/XXXX I entered into a Credit Counseling program which was approved by XXXX XXXX. All payments since entering into the program have been paid as agreed. I submitted a Dispute with Experian on XX/XX/XXXX and it was completed on XX/XX/XXXX. While there was an update on my account, the 5 months of delinquency were not removed from the account. I contacted XXXX on XX/XX/XXXX and was told that the account had a missed payment in the transition period XX/XX/XXXX and I did not become current until XX/XX/XXXX. While I can understand a one month penalty for XX/XX/XXXX missed payment, I believe XXXX Card should clear my record to accurately reflect that I have paid on time as required for XX/XX/XXXX - XX/XX/XXXX since entering the program. No other credit card company reported any delinquency on any of my accounts.
Product: Credit card

I opened a synchrony bank credit card through XXXX XXXXXXXX XXXX XXXX  I paid off my card in full for some reason this company is still showing XXXX large amount of money and charging me interest, and it was already paid off. I have proof to show I pay this car off. This is affecting my credit report.
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 XXXX XXXX XXXX. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account NumberXXXX Account Name : XXXX : Account XXXX ( DO : XX/XX/XXXX ) Account Name : XXXX  : Account XXXX Account Name : XXXX : Account XXXX ( DO : XX/XX/XXXX ) And lists of unauthorized inquiries that don't have XXXX XXXX to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXC XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1800.00} ; XXXXXXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 TU 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

through Chase buying up banks, I ended up with 6 chase credit cards, I paid 3 to a zero balance with no late payments. My open accts were seized by the XXXX, I filed chapter XXXX bankruptcy on XX/XX/XXXX. 3 Chase accounts were included in the bankruptcy. Chase maliciously and intentionally removed the positive credit from my credit reports, and still shows the accts that were included in my bankruptcy. I contacted Chase and was hung up on numerous times. If Chase can report discharged credit, then they should have left my good credit alone.
Product: Credit reporting or other personal consumer reports

I have no knowledge of the XXXX XXXX account. Second account opened in my name
Product: Credit reporting or other personal consumer reports

I'm asking for your help to resolve a false entry on my credit report. This situation has harmed my reputation, and your oversight has led to serious issues. Please fix these inaccuracies so I can return to my normal life with my family.
Product: Credit reporting

This complaint is against XXXX Information Services LLC because I do not agree with the investigation made by the company Information Services LLC, the accounts that I am disputing are XXXX and XXXX Credit Card. This accounts were opened without my permission or were authorized ( fraud ). Which the XXXX companies were reported in the last three months. How i have said before I made all the documents and evidence that I have which is the Affidavit, the police report and my ID. XXXX and XXXX made opposite results than Equifax , these results were correct and were made on my favor supporting the true statement that I am victim of fraud, following the federal law, which is FCRA 605B. I find it odd that Equifax gave a different result.
Product: Credit reporting or other personal consumer reports

This account was charged off XX/XX/year> since then this account has repeatedly been updated as charge off every month. This is an update on the payment history. A charge off account shouldnt include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX account # XXXX
Product: Credit reporting or other personal consumer reports

XXXX 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 XXXX, 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 XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate correction action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. In addition, I have attached a PDF document reflecting all items that were found. PLEASE REMOVE THE FOLLOWING ACCOUNTS AND INQUIRIES ASAP. 

XXXX XXXX  XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  {$5000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX of XXXX, I refinanced my house at XXXX XX/XX/XXXX XXXX, TX XXXX with Fairway Independent Mortgage Corporation. An escrow account was created for property taxes and homeowners insurance. 

In XXXX of XXXX, the XXXX XXXX, TX property taxes were assessed, and the bill was sent in the amount of approximately {$7000.00} with a due date of XXXX XX/XX/XXXX. 

In early XXXX of XXXX, I called Fairway to verify they were planning to pay the tax bill and knew the amount. They internally verified that the amount to be paid was {$7000.00} and that the bill would be paid on XXXX XXXX. 

Sometime in midXXXX XXXX, my XXXX XXXX, TX XXXX application was approved, and the property tax amount was lowered to approximately {$6000.00}. 

On or about XXXX XX/XX/XXXX I checked the XXXX XXXX, TX public records to verify payment of the property taxes. The property taxes were not paid and a late fee of approximately {$450.00} was assessed. That same day I contacted Fairway and I was informed that an 'investigation ' would occur. 

On XXXX XX/XX/XXXX I contacted Fairway again in regards to the property tax payment. The investigation was 'still on-going '. 

At this point, I am majorly concerned with damaging effects to my credit score if the tax bill is not promptly paid. Fairway 's blatant inaction on paying my property taxes is appalling. I do not trust their ability to 'investigate ' this matter.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to delete credit bureaus ' errors. Here is the list of 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
Product: Checking or savings account

Account XXXX XXXX. 

Ally banks call center supervisor XXXX refused to provide me with the necessary information that was required for my banking needs. 

I called and asked a bank representative to add in my external bank account details. Later I found out that the representative put the wrong external bank account details. 

I called the bank and I was told the bank will send two small deposits to my external bank account for verification. I was confirmed that this two small deposits will now be marked as a default transfer as the bank account details are incorrect. ( something that is not my fault ) A supervisor named XXXX took the phone call. I asked her what the banks criteria is for next business day delivery for ach transfers and if this wrong account numbers put by a bank representative over the phone will affect that criteria. XXXX refused to provide that information.
Product: Debt collection

On XX/XX/2022, a letter was sent to XXXX and XXXX about Calvary Portfolio Services thats is reporting as a collection account. I have no knowledge of this account and I requested that they send me the original signed agreement with my signature for this account. I have not received anything from them nor has the account been removed from my account. I am aware that it is past XXXX  days and I am able to reach out again to follow up due to the lack of communication from both bureaus about this account. I also am aware that I am protected by laws under the FCRA and the following laws where violated : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I am also aware that I am able to submit an invoice of {$1000.00} per inaccuracy.
Product: Debt collection

I am being held responsible for an {$870.00} for a XXXX  collection that is not mine.