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

I have tried to contact XXXX, XXXX, Transunion, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, XXXX, Transunion has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, XXXX, Transunion of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX BANK Acct # : XXXX
Product: Debt collection

I was charged XXXX for an XXXX ride to a local hospital. Although I never received written notifications from the city of XXXX, I researched myself and paid my bill in full on XX/XX/2022 using my XXXX XXXX card. Retail merchants association is refusing to remove this collection and also refusing to acknowledge that it was paid.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX XXXX XXXX for FCRA Violations Dear Sir/Madam, I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for serious violations of the Fair Credit Reporting Act ( FCRA ) and other pertinent banking laws. The actions taken by XXXX have caused significant damage to my credit rating and have hindered my ability to obtain credit. 

Background : Account Closure Without Sufficient Proof : XXXX XXXX XXXX closed my credit card account, citing " reasons to believe your account is in danger of or is being used for fraud. '' However, they failed to provide any proof of my involvement in fraudulent activity. This unsubstantiated accusation is defamatory and damaging to my reputation. 
Denied Access to Online Account : Subsequent to the account closure, I was denied access to my online account, thereby preventing me from reviewing my account history or transactions. 
Incorrect Reporting to Credit Bureaus : XXXX XXXX XXXX reported late payments to the XXXX major credit reporting bureaus, which is inaccurate and has negatively impacted my credit rating. 
Violations of the FCRA and Other Banking Laws : Failure to Provide Notice of Adverse Action : FCRA Violation : Under the FCRA, specifically 15 U.S.C. 1681m, creditors are required to provide notice to consumers when an adverse action is taken. XXXX 's failure to notify me of the account closure constitutes a violation of this provision.

Inaccurate Reporting of Credit Information : FCRA Violation : According to 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are required to report accurate information. XXXX 's reporting of late payments, which are incorrect, is a clear violation of this requirement. 
Failure to Allow Access to Account Information : Regulation E Violation : Under the Electronic Fund Transfer Act ( EFTA ) and its implementing Regulation E, financial institutions are required to provide consumers with access to their account information. Denying access to my online account is a violation of these regulations.

Defamation and Dissemination of False Information : Civil Liability : The baseless accusation of fraud and the potential sharing of this misleading and inaccurate information can constitute defamation. XXXX may be civilly responsible and culpable for the damage caused to my reputation and financial standing.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I WAS FORCED TO MOVE FROM MY HOME DUE TO THE NEGLIGENCE OF THE INCOMPETENCE OF CHASE BANK. 

THEY ARE PYCHOPATHIC PREDATORS, WITH NO XXXX, WORSE THAN XXXX. 
THEY NEVER HELPED ME TO SAVE MY HOME, BECAUSE THEY WERE GETTING THE MORTGAGE PAID FROM THERE " CREDIT DEFAULT SWOPS INSURANCE. '' THAT PAID CHASE NOT TO HELP PEOPLE LIKE MYSELF KEEP THERE HOMES. 

PLEASE CFPB HELP ME GETTING $ XXXX IN COMPENSATION FOR THERE EVIL WAYS. 

THEY LEFT ME HOMELESS, AND SUFFERING FROM ACUTE XXXX AND NOW DIAGNOSIED WITH XXXX XXXX. 









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

Updated and new information regarding complaint XXXX. LexisNexis stated in its letter to my CPFB complaint that it reached out to me via email to request information regarding authentication. LexisNexis never sent me an email asking me to authenticate. The only thing they sent me is a letter in the mail which I have attached. They asked for me to send them info to authenticate via mail or email. I sent them an email to the address they provided giving them a copy of my drivers license and the information they requested in the letter on XX/XX/XXXX. I have attached a copy of that email showing that I did respond. In there letter they stated the closed the investigation on XX/XX/XXXX. Also in the letter LexisNexis indicated that the 3 consumer reporting agencies XXXX, XXXX, and XXXX are the ones who are responsible for the bankruptcy being on my consumer report. I called all three companies and they informed me that it was LexisNexis that was responsible for furnishing the information to them and that they are required to report that information under the FCRA. Someone is lying and I the consumer am being harmed by these deceptive practices. When I called and spoke to an LexisNexis agent via telephone they stated that the investigation was still open and would be concluded around XX/XX/XXXX or XX/XX/XXXX and that they would send an updated consumer report. LexisNexis lied in its letter to the CPFB and I have proof showing I submitted the information they were looking for.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY DID NOT DO A PROPER INVESTIGATION ACCORDING TO FCRA AND ARE VIOLATING MY RIGHTS WILLINGLY. ATTACHED IS A NOTARIZED AFFIDAVIT OF TRUTH AND SOME COPIES OF HIGHLIGHTED INACCURACIES ON MY CREDIT PROFILE WHICH WERE DISPUTED AND IGNORED. THIS COMPANY IS ALSO IS VIOLATION OF 15 U.S.C 1681 sections 602A, 604A. I DID NOT GIVE ANYONE WRITTEN INSTRUCTIONS TO REPORT THESE ACCOUNTS TO MY CREDIT REPORT.
Product: Student loan

I refinanced my student loans from Edfinancial XXXX XXXX XXXX XXXX ( XXXX ) and the funds were disbursed from XXXX on XX/XX/2023. Since then I have been constantly communicating with Edfinancial about why they have no processed the loan payoff from the refinance yet. All the information that they have provided me is that they have not received the payment & have not processed it yet. 

With payments now being due on the Edfinancial loans, they have been absolutely no help in getting this resolved when I no longer owe them these loans.
Product: Mortgage

After ending my 6 month COVID-19 Forebearance with 5/3 Bank, which ended XX/XX/XXXX, I received a letter in early XXXX stating that I must submit payment to avoid further action. After making many attempts to communicate with the bank and explain that I had applied for Illinois housing assistance, I was told that they have no information to that regard. 

I received my XXXX payment, so I paid the amount the letter stated, and separately maid XXXX payment. I continued to reach out to the bank asking that the funds they received be posted so that I would not incur further action. After many attempts, I was told I hadnt paid all that was due, and that I had late fees. 

So, I submitted a payment for XXXX to cover late charges that should not have been charged. 

My mortgage payment was shown on account but not posted to it, so I called again. They said they are working on a loan modification. I explained that I dont want a loan modification and that the money I sent still had not been applied. I explained I did not know of any modifications except the Forebearance that already passed. 

Finally, I checked and saw payments to mortgage posted from the funds I submitted in XXXX. Then I made XXXX payment. Then I received a statement requesting money for XXXX, which was more than it shouldve been. Concerned, I sent that payment and am still waiting to see the documentation of the payment submitted in XXXX. 

I requested that my account be reviewed for accuracy and was transferred to many representatives without any resolution. 

I need help in getting 5/3 to communicate with me and explain where money was posted and why I was charged late fees or other fees.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to you regarding the ongoing issue of identity theft that I have reported to your respective agencies on multiple occasions. Despite providing supporting documentation such as FTC reports, a police report, an identity theft victim complaint, and an affidavit, the unauthorized accounts that have been opened in my name continue to impact my credit and financial well-being. As a consumer protected under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am formally requesting that you block all accounts associated with the fraudulent activities caused by identity theft IN 4DAYS!

These accounts are not a result of any legitimate actions on my part, and they are damaging my credit score and financial stability. 

I urge you to take immediate action to block and remove these fraudulent accounts from my credit report in accordance with the provisions outlined in the FCRA. 

( XXXX XXXX XXXX Account # XXXX ) It is my right as a consumer to have accurate and fair credit reporting, and the presence of these unauthorized accounts is a clear violation of this right. 
I kindly request that you provide me with written confirmation once the necessary steps have been taken to block these accounts. 
Additionally, I would appreciate any information on the investigation and resolution of this matter. 
Thank you for your prompt attention to this request. I look forward to a timely resolution of this issue and restoration of the accuracy of my credit report..

15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code Notes prev | next ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.

I previously filled this complaint and all accounts were blocked and removed except this onejust made a mistake with not taking it off
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Bankruptcy XXXX XXXX Experian # XXXX, Bankruptcy : XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX bankruptcy XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has 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 items that are reporting on my Credit Reports : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I a

m contacting you to address several concerns I've experienced with the credit bureau. These include inaccurate account listings, multiple unauthorized inquiries, incorrect credit reporting, billing errors, and accounts that I do not recognize as mine. I would greatly appreciate your help in resolving these issues to protect my financial stability.
Product: Credit reporting or other personal consumer reports

Hello, I am a Victim of Identity Theft. I discovered in XXXX that numerous accounts have been opened under my name that I didn't authorize and immediately began to try to correct it. I told Equifax about all the accounts that were a result of Identity Theft and showed numerous reports and evidence proving that I DIDNT OPEN THE ACCOUNT. On XX/XX/, I came to an agreement with the creditor and had to PAY to close out the account even though it was a result of Identity Theft. When speaking to the creditor, XXXX XXXX, they told me how Equifax didn't thoroughly investigate per the FCRA laws. The representative also commented how there are numerous inconsistencies to how Equifax is reporting the fraudulent account. Due to Equifax 's incapability of doing their job, I was forced out of my apartment due to an eviction. Had Equifax blocked the account like I asked them to MONTHS ago, I wouldn't be facing homelessness right now. I was denied lines of credit because of this ONE account. I am seeking civil litigation against Equifax and I demand compensation for their carelessness. They took full advantage of the situation and did not properly investigate.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX at XXXX I spoke with Equifax agent XXXX case # XXXX about my identity being stolen and used multiple times in XXXX, XXXX, XXXX at various banks without my consent as well as charge offsI have listed on attached file, of certificates of indebtedness that is classified as income which is illegal to report income and transaction history that must be corrected immediately and marked as paid as agreed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 all did not have written consent and according to Privacy Act of 1974 and 15 USC 6802-6805, 15 USC 1681 inaccurate reporting must be removed immediately for ID theft as well.

This has disenfranchised me from obtaining my needed trust account as well as losing my accounts making me become destitute and living in the streets now.

I DEMAND reparations and remedy as a Federally protected consumer. 
I also DEMAND ALL addresses removed except c/o XXXX XXXX XXXX Texas XXXX from my accounts due to being NON MAILABLE ADDRESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have account on my file that I do not recognize. My name is XXXX XXXX XXXX have several names that are not my on my credit report. I have fraudulent accounts that appear on my file. please delete the following : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX There is a unverified account from XXXX # XXXX. 
I have filed a Police Report with XXXX Police Dept. and CFPB.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Subject : Dispute of Derogatory Accounts and Credit Inquiries Due to Identity Theft To Whom It May Concern, I am writing to formally dispute multiple derogatory accounts and credit inquiries listed on my credit report, which I believe are a result of identity theft. Enclosed are copies of the relevant documents supporting my claim, including a police report and fraud affidavit. 

Below are the details of the accounts and inquiries in question : **Derogatory Accounts : ** 1. **Account Name : XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : [ Account Number ] - Date Reported : XXXX. XXXX, XXXX - Balance : {$880.00} - Remarks : Charged off as bad debt, In Collections/Charge-off 2. **Account Name : XXXX XXXX XXXX XXXX Account Number : [ Account Number ] - Date Reported : XX/XX/XXXX - Balance : {$640.00} - Remarks : Placed for collection 3. **Account Name : XXXXXXXX XXXX XXXX - Account Number : [ Account Number ] - Date Reported : XX/XX/XXXX - Balance : {$260.00} - Remarks : Account information disputed by consumer 4. **Account Name : XXXX XXXX XXXX - Account Number : [ Account Number ] - Date Reported : XXXX. XXXX, XXXX - Balance : {$1800.00} - Remarks : Placed for collection 5. **Account Name : XXXXXXXX XXXX XXXX - Account Number : [ Account Number ] - Date Reported : XXXX. XXXX, XXXX - Balance : {$2500.00} - Remarks : Account information disputed by consumer **Credit Inquiries : ** 1. **Creditor : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX XXXX. XXXX : XXXX XXXX XXXX** - Inquiry Date : XXXX XXXX, XXXX I request that the Consumer Financial Protection Bureau investigate these accounts and inquiries and take appropriate action to rectify the situation. I have reported this identity theft to the relevant authorities and have also contacted the creditors associated with these accounts. 

I affirm that the information provided in this letter is true and accurate to the best of my knowledge. Enclosed are copies of the supporting documents for your reference. 

Thank you for your attention to this matter. I anticipate your prompt response and resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS IN THE HOSPITAL FOR XXXX XXXX AND SOMEONE ACCESSED MY PERSONAL ID AND FINANCIAL INFORMATION. I HAVE SEVERAL ACCOUNTS THAT I DO NOT RECALL DOING BUSINESS WITH THE FOLLOWING COMPANIES XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX, I HAVE FILED A REPORT WITH THE FTC AND CFPB.
Product: Debt collection

I receive 8 or more phone calls a day from someone claiming to be XXXX XXXX XXXX. They tell me all my info and tell me they are going to serve me with a lawsuit. I have told them to come serve me. They never do. It is from a debt that is over 10 years old. They have even called my husbands ex wife who I don't know and she doesn't know me. They call me at work, they call my husband. They call everyone I know. I call and try to fix it and they play games. They tell me they didn't call me I called them. I ask to speak with the people that call me and they won't put me through without giving them all my info. They have to have to announce the call. No you don't. I say " sue called me I want to speak with her. '' They say " she didn't call you, you are being sued. '' Well someone named sue left me a voicemail. If you give me all your info I will transfer you. This is a joke. I want them to leave me and everyone I know alone. They say ref # XXXX.
Product: Debt collection

I had a regular savings account with XXXX but I never got a loan with them and they put me on bad credit for a balance owed I never had. I would like to get it removed from my credit report please.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accountsare 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : 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

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX {$1200.00}