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

Upon reviewing my credit profile, I identified several inaccuracies, incomplete information, and unverified accounts. Under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), you are required to immediately DELETE any information that is found to be inaccurate, incomplete, or unverifiable. 

Additionally, according to FCRA 15 U.S.C. 1681i, all unverified, non-compliant, incomplete, incorrect, or false entries must be fully negated, or the accounts in question must be completely removed from my credit file. 

I am invoking my consumer and civil rights to demand the permanent deletion of these derogatory accounts unless you can provide verified evidence that you are fully complying with Metro 2 data reporting standards as mandated by federal regulations. 

The following derogatory accounts are either UNVERIFIED, INACCURATE, INCOMPLETE, UNTIMELY, NOT MY RESPONSIBILITY, or otherwise non-compliant with federal reporting laws and standards. They must be removed immediately : Alleged Creditor and Account as reported on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act and the reporting standards set by the CDIA Metro 2 Compliance Regulations , I require a thorough investigation and the permanent removal of these items from my credit report. 
I expect a response with the requested proof. Once received, I will respond by certified mail. 
Thank you for your immediate attention to this matter.
Product: Credit card or prepaid card

I realized a hard inquiry on my XXXX  credit report from Bank of America. Ive never tried to open an account with Bank of America so I immediately contacted the company with my concerns. I sat on the phone for over 2 hours with a representative who made me aware that shed taken care of it, months later, the dispute was still there so I called the company back and they told me no one ever opened up a dispute. I then sat on the phone for another 2 hours with another representative who told me hell take care of it and provided me with a claim number/case ID, Case ID : XXXX, along with a direct phone number to the fraud department so I can call in for updates. It has been over 1 month since than and every-time I call Bank of America , no one has an update for me on whats going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were 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 investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 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-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several request to XXXX, Transunion and XXXX as well to the XXXX itself XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XXXX on payment history on credit file show there was XXXX XXXX. The account was closed on the XXXX. The status shows charge off and the amount of the charge off shows XXXX. There has been XXXX XXXX on this account XXXX thru XXXX. From XXXX thru XXXX is reporting XXXX. Date of first delinquency XXXX payment history on credit report has XXXX XXXX. Also, this account is reporting that it is a XXXX account it is a XXXX account.
Product: Debt collection

Hi and good evening - I'm a XXXX years old woman and I been constantly on the phone with XXXX and collections company for the last several weeks. I was looking through my credit couple of weeks back with my family lawyers, and noticed that XXXX company reported an old account that i had returned the equipment back with the balance of {$170.00}. After several attempt to try to resolve this and explaining to them that I had previously paid it, and I just simply went ahead at the local office and paid them off as you can see on the attachment. I talked to the representatives there and on the phone and they said that as long i paid that balance of {$170.00} they will remove it permanently from my credit report. But it continues to appear on my credit report with the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Americollect is not my bill! I tried to dispute it with the company and they told me they would mail me a copy of what it was. ( I had to look up Americollect! I had NO idea who they Were. I tried to dispute it with the credit bureaus but get a result that it stays! I am being harassed by the phone calls and its affecting my credit for a bill that is not mine
Product: Debt collection

The loan was a very big amount for a pair of glasses and it was between covid times, i XXXX fired and sick and this loan really impacted my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint regarding the fraudulent accounts and information I found on my Credit File. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

My home loan is with XXXX and they bought my home loan from XXXX XXXXXXXX Mortgage back in XXXX of 2022, I had paid extra payments into my account to cover tax 's, Insurance in the beginning because I'm a XXXX Vet on a Fixed income. Oklahoma only makes me pay the property tax on the first year, and the money was already there in my Account to cover this first year. When XXXX paid the property tax, they changed my escrow account to a higher amount and pushed up my monthly payment. XXXX was contacted many times about this, and I had also provided them with all necessary information and paperwork. I was promised that my account would not go up and the account would be reviewed. Never was, higher payment was auto drafted from my account. all without my permission on the new rate. Not only this but XXXX has released my information to XXXX callers who want me to refinance with XXXX and cash out my escrow in a new re-finance loan.
Product: Credit reporting or other personal consumer reports

I am writing to address a serious issue with an account on my credit report that remains inaccurately reported. Despite multiple disputes and ample supporting documentation, no corrections have been made, and the errors persist. 

As required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, your agency must ensure 100 % accuracy in the information provided on my report. By not correcting or removing these inaccuracies, you are in violation of this legal requirement. I request an immediate, thorough reinvestigation to ensure only accurate information appears on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

DBA Paragon Revenue Group has reported medical bills on all three of my credit reports in XX/XX/2018 in the amount of {$1100.00}. 

I have sent a letter to all three credit bureaus and it has remained on my credit report.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX {$0.00} Account # XXXX Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX  {$0.00} Account # XXXX Open Date XX/XX/XXXXXXXX XXXX XXXX  {$0.00} Account # XXXX Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/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 These negative items are affecting my credit report badly and is hindering me from exploring future credit opportunities. Please delete or remove these items on my behalf. 
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.
Product: Credit card or prepaid card

XXXX XXXX, the consumer sent out a notice with my id and bank statement for proof f address regarding the transaction and experience reporting on my consumer report. First Progress is reporting utilization on my credit card which is a clear violation of 14 USC 1681a2 ( A ) ( i ). Not only that but late payments are being reported which is a clear violation of 15 USC 1666b.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen because of the Experian data breach. Over a year later, my XXXX XXXX card sent me a letter saying they are increasing my APR due to an Experian credit report. I currently have a freeze on all 3 credit agencies. 
Experian is unable to keep data safe. In addition, they are unable to keep the stolen identity case ( that they caused ) from affecting my credit score. My excellent credit rating of XXXX went down to XXXX due to their incompetency. This mismanagement is causing personal harm. There should be a class action lawsuit.

I would like Experian to repair the damage they caused and fairly report my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a Covid related deferral program with XXXX Mortgage in XXXX. That program terminated in XXXX at which point the repayment plan commenced, which required intervention by the CFPB to actually get them to respond, due to repeated failures on XXXX 's end to actually process the documentation to start it. 

I made the repayment plan payments within the required timeframes, as documented in the attached payment history as well as the reported credit report snapshot. 

The trial plan was then approved, with a first payment due on XXXX ( late after 30 days ), which is scheduled to meet prior to the late date. 

XXXX has still reported the account as 180 days past due and showing in 120. In a simple examination of the credit report snapshot, this is literally impossible- XXXX has deliberately and willfully erroneously reported this as past due. 

Moreover, I filed a report around summer of XXXX in which XXXX did the same thing, despite being in the deferral.
Product: Mortgage

My complaint is against XXXX XXXX XXXX and Round Point Mortgage. For the following reasons. We were approved and paid our trial period 3 years ago after the trial period was over and we paid on time we were told we have to resubmit our paperwork to be considered again. Since then we have faxed every piece of document they have asked for they either would let it expire or say they never received it. So we keep sending. XXXX XXXX XXXX has taken us to court at 7 times trying to take our home each time we appeared they knew that we in the process of a loan modification and were told a few times that we did not have to be there, but we were because we do n't trust them. The last few times we were pulled into court by them was because they said we did not appear for a court date and we did and pulled the paper work from the court to prove it. XXXX XXXX XXXX has since sold our mortgage to Round Point Mortgage servicing and we are having the same problems with them. They let our paperwork expire, I have the letters to prove it, they say they have not received it. I started emailing with an email receipt and have not received one as of yet. I have also been informed that I have a dedicated account manager, I have not talked to one since XXXX 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, US DEPT ED, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from The CBE Group today Reference : XXXX saying I owe the Department of Veterans Affairs Account # XXXX. This not true, I do not owe them anything. There's no way I was turned in for collection from XXXX to XXXX, check your records again!! I paid them {$710.00} on XXXX and {$65.00} today ( just to be sure ). The Account # XXXX does not match any of my account # 's, Not even close!!! This a scam!!! Do Not Contact Me Again!!!
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX Balance : {$XXXX} & XXXX XXXX Balance : {$XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

i was put on hold for ever. and never reached a live person.
Product: Money transfer, virtual currency, or money service

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

On XX/XX/XXXX I referred my friend who resides in Florida to Suncoast Credit Union ; they were promoting XXXX  gift card bonuses at the time I referred. He met qualifications and no gift card bonuses were sent after the qualification period, to my friend nor myself. We each then called customer service, spoke to various agents and relationship managers, and were given the run around for about 90 days. Today, I still had access to the account. I called again and mentioned that I would be submitting a CFPB complaint if not resolved. A relationship manager named XXXX said she would reach the back office for a resolution. Mind you, this is the same relationship manager who never called back a month ago. The mention of CFPB got their attention, and I am assuming the back office as well. 

Later today, she did call back and mentioned I have to drive into a branch with my ID to resolve the referral issue. I live over an hour away from a branch and that is highly inconvenient with my current transportation issues. I then requested for my account to be closed and membership fee sent as a check to my address on file, and she said they would email a form to my email on file to complete closure ( also unheard of ) and send the check. After the call, I logged back in to send a secure message requesting the closure, but my account has been locked and I have no online access. This was not the case before today 's call, and during their " review. '' I believe they locked my account and decided these measures because of my mention of CFPB, when I was only asking politely for them to please resolve. 

Thank you for your time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX XX/XX/year> Experian Information Services XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I am writing to dispute an inaccurate charge-off that appears on my credit report. According to 15 U.S.C. 1681i, as part of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate, and the credit reporting agency is required to conduct a reasonable reinvestigation to verify the accuracy of the disputed information.

Here is the relevant section of the law for your reference : 15 U.S.C. 1681i : This law mandates that credit reporting agencies must investigate and correct inaccurate or incomplete information on a consumers credit report within 30 days of receiving a dispute.

In addition, the presence of this incorrect information also violates other consumer protection laws, including : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

This charge-off is inaccurate and is causing significant damage to my credit report and financial standing. Therefore, I kindly request that Experian conduct an investigation and remove the charge-off from my credit report.

To support my request, I have attached copies of my identification and proof of address. Once the correction has been made, please send me a copy of my updated credit report reflecting the removal of the inaccurate information.

Thank you for your prompt attention and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX