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

I am writing to dispute the reporting of a late payment on my credit report by XXXX  XXXX XXXX, as reported by Experian. The account number associated with this dispute is XXXX. 

In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights under 15 USC 1681 Section 602, 15 USC 1681 Section 604a ( 2 ), and 15 USC 1666b.

15 USC 1681 Section 602 of the FCRA states that I have the right to privacy regarding the information contained in my credit report. Reporting a late payment without proper verification or validation violates this provision of the FCRA.

Furthermore, 15 USC 1681 Section 604a ( 2 ) of the FCRA prohibits a consumer reporting agency, such as Experian, from furnishing information about an account without my written instruction. The reporting of a late payment without my authorization violates this requirement.

Additionally, under 15 USC 1666b of the FCRA, a creditor may not treat a payment on a credit card account under an open consumer plan as late for any purpose.
Product: Debt collection

I have no knowledge of this debt. My account with XXXX credit bureaus has a fraud alert unit. The credit bureaus must provide me with written authorization or delete asap. I request that each and every account or inquiries be removed and I request an updated credit report reflecting changes.
Product: Consumer Loan

I had a total loss on my truck due to an auto accident. I have telephoned Bank of America as has my insurance company to request a copy of Letter of Guarantee and Title as Bank of America holds my loan. After being on hold for ( documented time of 4 hours ) for 3 days in which no one picked up the phone at XXXX, I finally spoke to someone today who said they would do their best to honor the request for the needed information in 5 business days or more ... And to call back if it was not received. While I continue to pay daily interest, rental car fees, and continue to make car payments. I notice when I search the web and Bank of America 's website there is a significant amount of data for consumer auto financing? but very little data on the total loss policy except a phone number that no one ever answers? This process does not in anyway appear protective of the consumer, only of the big banks. 

XXXX XXXX XXXX XXXXXXXXXXXX XXXX Auto Loan # XXXX
Product: Mortgage

In XXXX XXXX our mortgage was sold to another provider. We were never notified of this change. Our new provider, Nationstar, sent this this information to our old address in another state even though the loan stated our current address. We continued making payments to the old provider who was forwarding our payment to Nationstar without my knowledge. In XXXX XXXX, the old provider stopped forwarding my payments and just cashed my checks. This caused me to be 2 months later with my new mortgage provider who sent me to collections and placed negative information on my credit reports erroneously. An investigation between the two service providers determined that I was never late on my payments and the money was sent to the new provider which brought my account current. However the negative information is still on my credit report and I am having difficulty refinancing my home.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Balance Owed : {$1400.00}.
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 this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX  XXXX XXXX XXXX : {$370000.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific fraudulent accounts and inquiries from my credit file, as I am a victim of a data breach and identity theft. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed to maintain the accuracy of my credit report. 
Please remove the following accounts from my credit file : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$59000.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$69000.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2900.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$17000.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} In addition, I request the removal of the following unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Delmarva Collections , Inc. agency started reporting false information on my credit report in XX/XX/2018. At that time, I spoke with the original creditor, XXXX XXXX XXXX and it was removed. In XXXX, Delmarva Collections , Inc. started reporting the same incorrect information. After many hours on the phone with XXXX XXXX and XXXX XXXX I was told they were finally able to resolve the billing error on XXXX XXXX XXXX part and that it would be removed immediately back in XXXX. I just pulled my credit report again today, XX/XX/XXXX, and Delmarva Collections , Inc. is still reporting that I owe the debt. I have documentation that was sent to me by XXXX XXXX XXXX as well as XXXX XXXX and XXXX XXXX that shows that the account has a {$0.00} balance because the insurance paid the balance in full. See the attached documents for more information.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, these inquiries remain on my credit file. As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed these unauthorized inquiries from their records. 
Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Mortgage

We closed this file XXXX XXXX according to my approval letter I had to send the HUD 72 hrs prior to closing. I had no task in equator so on XXXX XXXX I emailed him the HUD for approval ( feel free to check equator to verify all of this ). Tues he sent me a task and I uploaded the documents. On Weds the XXXX I spoke to XXXX and let him know that I was concerned because closing was scheduled for the XXXX and I still did not get an approval ( again I emailed it the XXXX ) He said he would work on getting it to me before closing. I call XXXX on the XXXX 3 times and I could only talk to his collegues. If I did not close the XXXX the approval letter was going to expire. I also left XXXX a voicemail. I emailed him all the closing documents no response. Now we are on XX/XX/XXXXand the funds are rejected because we did not have HUD approval. Can someone please show me where the HUD approval is? Since XXXX XXXX I go no HUD approval. Regardless now the title is transfer. XXXX XXXX no longer owes the house and you rejected his funds so now everyone is at risk on being sued. Let me know how we can fix it.
Product: Credit card

On XX/XX/XXXX i filed a dispute about a scam where I bought a item for XXXX that was never shipped out. Even though I have given them proof that the item was not shipped and the the seller deleted the website after I made the purchase they say I am responsible. They will also not give me the merchant response they have recived. I have tried to get this resolved with them for 3 months and they are completely unhelpful.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

There should not be any late payments on my credit card.
Product: Credit card or prepaid card

i had a secured credit card with citi cards for a little over XXXX yrs always paid on time never missed a payment .Im trying to fix my credit and after being a year i asked for a credit increase got denied after a third time i was told that because i had a secured credit card i wasnt able to get a credit increase.The high interest fees and they telling me 2 times to wait another year when they never were really gon na give me an increase just to keep squeezing money out of me thru their interest and fees.Now i finally got fed up and asked for account to be closed and my {$800.00} reimbursed and it has taken them more than 60 days to date to do so.I was informed that on this past Saturday XX/XX/2022 that the refund of my money was approved now i have to wait another 10 to 14 business days to get my funds when i have already waited over 60 days because the first time i called to finally close it they didnt do it because their excuse was, well we usually wait up to 21 days because customers change their mind ... ... theres got to be some type of regulation on the abuse these banks do on hard working people
Product: Payday loan, title loan, or personal loan

Hello, I don't have a complaint, but more of a concern. I would like you to investigate the credit lending practices of a company by the name of One Main financial services. The reason I have concern is because they are mainly in minority neighborhoods and are consider credit rebuilding and low credit score loan company.

I applied for a personal loan after bankruptcy, ok they pride their business on putting your car up as collateral which can be fair if you have one to use. However, in my case my car is not paid off so they next alternative was a co signer.

I secured a co signer, the co signer had to co sign and use their car as collateral along with a 31 % interest rate whereas we both have decent scores.

I was told it was due to low scores which after checking the scores was contradictory to what we were told I would guess to add a higher interest rate.

If this is what they are doing to people of color in order to grant them credit, don't seem to be common practice and actually a legal financial scam to make a lot of money.

I'm requesting their lending practices be investigated in their personal loan lending 's.

Thank you I hope to refinance my loan soon, and leave this company due to unfair practices of using a co signer and her car for collateral was extreme, if it had been one or another it would have been more reasonable but both and my signature was over the top.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 6 months I had disputed XXXX collection on my three reports to being told verified. The first I disputed, second I asked for VALIDATION and third factual. I never once I got a validation from not one of these companies. If they would of actually validated this debt, they would learn it is NOT MY DEBT. You cant report something that is not mine in the first place! Second I am per consumer rights have the right for fair, true and accurate reporting. Not only is this not my account but it is being reported with different amounts. I am attaching proof to this. 

Being I wrote to companies THREE times now and still have no proof of validation or even a investigation on their part other than the e-Oscar system I am requesting a IMMEDIATE DELETION. 

The law states a company must have a contract with my original signature on their letterhead with what I owe to be reported. I do NOT owe XXXX. PLUS ITS PAST XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here are the accounts I am requesting be verified for accuracy : Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

About XX/XX/ shortly after having a loan with XXXX XXXX and XXXX XXXX XXXX I had issues with my payments being applied to my account and credit reporting 30 days late payment status, date opened, date of last activity, and date of last payment which are inaccurate with all 3 credit bureaus. 
Attached it shows how XXXX, Equifax, and XXXX are inconsistent with reported information among each other. I have never been late, and it should read Paid As Agreed/ Never late.
Product: Credit reporting or other personal consumer reports

To whom it may concern I am writing to dispute the following information on my consumercredit report and have the information removed from my file. The items I need and demand to be deleted are listed below. I've been a victim of identity theft and didn't open any of these accounts or make these inquiries. I demand these items be removed to correct my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

FCRA 1681e ( b ) of the federal Fair Credit Reporting Act. The FCRA requires consumer reporting agencies, such as XXXX, to follow reasonable procedures when preparing... credit report. Section 1681e ( b ) also requires the plaintiff to present evidence that the credit report is inaccurate. On XX/XX/year> Per XXXX ID XXXX XXXX stated XXXX  XXXX customer service never received Disputes from the the CRA Experian XXXX and XXXX and I would need to request all updates in writing I explained that the CFPB submitted my complaint to all three CRA XXXX XXXX XXXX stated again no documents has been submitted to XXXX  XXXX to address this issues. XXXX stated last updated was in XXXX from all three CRA. However I'm not understanding how the CRA are verified disputes as updated or Accurate when customers service agent such As XXXX cant located the disputes at the following stated no documents has been submitted.Im requesting an investigation into the CRA disputes process by the CFPB and requesting updates in 30 day in writing to this consumer. Im requesting delete of my account charge off and will be filing complaint with the State Attorney Office and FTC which clearly shows the CRA are not investigating Dispute according with FCRA Act.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I made a transaction on this site named XXXX  to sell a hoodie for {$620.00} through PAYPAL. He only recently said that it had flaws/was not as described so he tried getting a refund, which I thought was peculiar. 

What was also suspicious was that, on the site that we made the transaction on ( XXXX ), his account had been frozen/banned. Accounts are usually only frozen/banned when someone is trying to scam someone on that website. 

Nevertheless, I was still willing to refund the buyer of all the money paid ( {$620.00} ), if he had sent back the hoodie. However, he only sent me a fake package stuffed with empty boxes inside to try to scam me. I've attached a video of me opening the box that he sent since I was suspicious and knew this was a common buyer scam that exploits PayPal 's policies. The tracking number on the package is the same as the one he sent when he escalated the PayPal claim. 

I have tried escalating this claim to PayPal but they have sided with the buyer. I called several times trying to work this out with PayPal, but they would not accept my video of me opening the FAKE package, or abide by Seller Protection which should have prevented the refund since the buyer did not even send the item back. 

I have time stamps of when the fake package was delivered, and when I opened the video, which was an hour after the package was delivered. I've also screenshotted the weight of my original package, which I'm sure does not line up with the weight of the package the buyer sent me, since it was just empty boxes. 

Please, I am just trying to dispute this since he already has my item, I do not want him to steal my money as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

# XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID, and Proof of Address with my most recent bill.
Product: Debt collection

XXXX  the  Manager a t Accou nts Research, INC. se nt a letter to my job and called my work phone. I even told him I had a patient right in front of me and he continue to threaten me ... .. " Do you want me to serve you papers '' ; if you would respond to the letter I would not have contacted your job!       XX/XX/XXXX   Main campus in  XXXX   XXXX    XX/XX/XXXX    XXXX  called directly to m y job    XXXX   XXXX   XXXX   in  XXXX