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

I sent a letter on XX/XX/XXXX requesting that the Credit Bureaus reinvestigate the disputed account from my credit report as well as temporarily remove this account from my report during the investigation period. As of this date, the Credit Bureaus have failed to respond to my request. Again, please reinvestigate if this Account as this is inaccurate and outdated. There are many inaccuracies with the account : XXXX XXXX XXXX XXXX Balance Owed : {$810.00}. It is deceptively reporting a current status of 120 days late when the account hasnt been updated in years! In fact, the statute of limitations has expired per the Federal Deposit Insurance Act of XXXX! I am requesting that the Credit Bureaus provide me with proof of payment history. Investigate and correct the misinformation. Otherwise, delete immediately. 

XXXX XXXX XXXX XXXX Balance Owed : {$810.00}
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. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX 

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

The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the XXXX XXXX, Transunion breach, XXXX XXXX and the XXXX market, I need these to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I owned a XXXX in Texas for XXXX years. I sold the business  to a person wherein according to the sales contract, he absorbed all debt and income of the business. This person proceeded to rob the corporation and sell off all assets for cash and successfully bankrupted the Corporation in 12 months. In his process he charged hundreds of thousands dollars on company credit cards, he never paid his vendors, he didn't pay any federal taxes or payroll taxes. He put hundreds of thousands of dollars in his pocket. He used a Capital One Credit Card that had my name associated with it and made a trip to XXXX XXXX, spending over {$26000.00} When he vanished and didn't pay the bill the credit card company came after me. That happened in XXXX and I have been explaining the facts to Capital One every since. Capital One refuses to correct and has ceased calling me but turned over to a collection company. I continue to get mail from them. 
Capital One reported the non payment to XXXX  XXXX XXXX and my credit score is very low. Too low to get any credit. I am XXXX  years of age. The only glimmer of hope I have is Capital will remove the complaint in XXXX, but at this time I suspect that I will not live long enough to see that happen. I was in business for XXXX years and handled XXXX  of dollars in purchases and payrolls. My credit was always excellent throughout all those years. Its certainly sad to realize that I must go to my grave with a bad credit report. I feel this is age discrimination at its worst.
Product: Prepaid card

So I bought a XXXX $ Visa/vanilla gift card at a XXXX and when i got home it said i had to activate it on the website but when i go to do so it gives me a error and wont work. After getting the error and checking the information it was not on my end so i called them to see if they could do anything but they said that there system didn't work and to call them back later. Then 2 days later i go to buy a XXXX $ AMEX card and i have the same issue and the same response from the worker. I bought the XXXX  on XX/XX/2025, and the amex on XX/XX/2025, and the cards are still not working.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has failed to fulfill it's 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 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 XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account, as XXXX XXXXXXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair Credit Reporting Act and per the standards of reporting compliance Implemented with the XXXX enacted XXXX XXXX COMPLIANCE regulations. This creditor ( XXXXXXXX XXXX ) violated my rights under 15 USC 681 Section 602 States I have the right to privacy. 15USC 681 Section 604A Section 2 states a consumer reporting agency can not be furnished an account without my written instruction! Under 15 USC 1666B a creditor can not treat payment on a credit card account under an open-end consumer credit plan as late for any purpose. I demand the mentioned derogatory items be permanently removed for my credit report. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX Re : Social Security Number XXXX To Whom It May Concern : I have recently been informed that there is a Bankruptcy Chapter XXXX in the file Experian maintains under my Social Security Number. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove it from the consumers file. 

The United States Bankruptcy courts DOES NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. 

However, credit bureaus actively search public records for any judgments and tax liens through third party research. 

A Bankruptcy is public information, Again, the U.S. Bankruptcy Court DOES NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on Bankruptcys through third-party research. 

Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 

Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your Agency. I will be seeking {$5000.00} in damages for, but not limited to : 1. Defamation 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in court venue local to me in order to formally defend yourself. 

My contact information is below : XXXX XXXX XXXX XXXX XXXX XXXX. 

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

My car was repossessed XX/XX/XXXX and was redeemed the following day XX/XX/XXXX. The " Redeemed Repossession '' comment is still reporting as of XX/XX/XXXX and negatively affecting my credit score. This is currently violating the FCRA 15 U.S. Code 1681c due to reporting after the 7 year / 7 year 180 day mark.

Per 15 U.S. Code 1681c ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ... 
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.5 Also : ( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Westlake is showing still owing a balance which was included in a bankruptcy which ended in 2018. The company when I had the loan was Honor Finance so it must have changed names as it is showing Westlake now. I did a dispute on XXXX  and it did not change
Product: Mortgage

Old name XXXX, new name PROSPERITY BANK ( XXXX, Texas branch ) used its business relationship with XXXX XXXX to abuse its mortgage lender status and increase XXXX XXXX 's flood insurance revenue via by using enabling mortgage origination documents. 
The Prosperity Bank mortgage origination documents are worded to allow the subsequent mortgage purchaser ( XXXX XXXX ) to require additional flood insurance over and above the loan amount even though any money above the loan from that insurance would accrue to the mortgage borrower, not XXXX XXXX. It appears the main purpose of that process to be to increase flood insurance revenue to XXXX XXXX. 
Such a process increases the risk of mortgage default as it increases the monthly mortgage payment cost to the borrower. 
The additional flood insurance was lender-assigned by XXXX XXXX as mortgage gap insurance ( so-called ) from XXXX XXXX subsidiaries which provide flood gap insurance. 
Non-payment of the gap insurance premium which became part of the monthly mortgage payment would be a mortgage default. As my mortgage was being held hostage to the additional XXXX XXXX gap insurance, in effect my choice was either pay the increased mortgage payment or lose the home. 
Prosperity Bank maintains an on-going mortgage origination and mortgage business relationship with XXXX XXXX, and coordinated mortgage documentation as a willing and integral participant to facilitate this process.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Equifax for Credit Reporting Issues Dear CFPB, I am writing to formally express my concerns regarding the ongoing issues I have experienced with Equifax, which I believe have negatively impacted my creditworthiness and character. 

Despite my efforts to address positive accounts in my credit report, Equifax has continued to misuse my credit report by removing a positive account that I've had over a year. This misreporting has resulted in significant consequences, including the denial of credit applications and increased interest rates, which have placed undue stress on my financial situation. 

I have attempted to resolve this issue by contacting Equifax directly, but my concerns have not been adequately addressed. I believe that their actions violate the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting of credit information. I've also filed an FTC report Equifax did not have my written consent to access my credit report. 

I kindly request your assistance in investigating this matter and taking appropriate action against Equifax for their failure to comply with federal regulations. I am hopeful that your intervention will restore my credit reputation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, CFPB THIS IS THE 2ND TIME EQUIFAX HAS DELETED A POSITIVE ACCOUNT FROM MY CREDIT REPORT ALSO IM ATTACHING AN FTC REPORT MISUSE OF MY CREDIT REPORT WITHOUT MY WRITTEN CONSENT AS WELL AS SCREENSHOTS WHERE THEY DELETED IT ON XX/XX/year>. IM ALSO SENDING THIS TO EQUIFAX 'S LEGAL DEPARTMENT AS WELL
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$280.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT XXXX.XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$280.00} -This is not my account.
Product: Checking or savings account

Someone tried opening a debit card under my name through a company called Coinbase without my authorization. I am trying to close the account and have this investigated for fraud but there is no way of getting a hold of the company since I am not a customer and am unable to provide them with a valid phone number under the fraud account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX Illinois XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX  I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX$470.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I notified Equifax about inaccuracies found on my consumer report causing " DEFAMATION OF MY CHARACTER '' according to the Fair Credit Reporting Act ( 15 USC 1681 ). The inaccurate information are violations of the Fair Credit Reporting Act which includes but is not limited to : -Inquiries ( not in connection with any active or current transaction with a creditor and is unauthorized use of credit ) 15 USC 1681b , 15 USC 1602 -Exclusions-for furnishing a report containing information as to transactions or experiences between me the consumer and the person making the report ( 15 USC 1681a ) -Defamation of Character- the consumer reporting agency, Equifax, furnishing inaccurate information on my consumer report bearing on my CHARACTER, GENERAL REPUTATION, PERSONAL CHARACTERISTICS AND OR MY MODE OF LIVING and because of these inaccuracies I have been injured because this inaccurate information is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing my eligibility forcredit or insurance to be used primarily for personal, family, or household purposes ; Civil Liability for Willful Noncompliance- Equifax willfully fails to comply with requirements of the Fair Credit Reporting Act with respect to me as a consumer ( 15 USC 1681n ) Civil Liability for Negligent Noncompliance- Equifax is negligent for failing to comply with requirements of the Fair Credit Reporting Act with respect to me as a consumer ( 15 USC 1681o ) During this time I notified " Equifax " about the inaccuracies according to the Fair Credit Reporting Act ( 15 USC 1681c ) the consumer reporting agency continues to furnish inaccurate information relating to me as a consumer after being notified. I have 51 inquiries on my consumer report none of which are engaged in any active transactions and now activity DEFAMING MY CHARACTER causing adverse actions whether by increased apr, finance charges or discrimination under the Equal Credit Opportunity Act ( 15 USC 1691 ). I have multiple open/closed accounts with my transactions and experiences that should not be on my consumer report defaming my character marking such as ( " late payments, any and all balances including but not limited to ; original/current balance, highest held balance, monthly payment, past due, status and even violation of 15 USC 1681c with respect to my account information ). Furthermore, because of this inaccurate information Equifax is allowing to be furnished, my character, general reputation, personal characteristics, and or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing my eligibility as a consumer forcredit or insurance to be used primarily for my personal, family, or household purposes; damaging my credit worthlessness, standing and or capacity. ( 15 USC 1681a ) If this matter is answer with a frivolous response I would like for the Consumer Financial Protection Bureau to further investigate as well as forward all of my information to the Federal Trade Commission
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

Yes navy federal credit union blocked my account after me being 60 plus days a member and qualified as a member under my father serving in the XXXX in XXXX. I have over XXXX XXXX dollars in my checking and also money in my savings they blocked my rent online bill payment to my apt complex and now are refusing to unlock my account and honor my check sent from them to my apt complex furthermore they refused to accept my poa as I requested several times and also refusing to let me speak to someone in regards to my checking savings and credit card which I make XXXX payments or more a month my fathers name is XXXX XXXX I demand they take my account off of hold
Product: Debt collection

XXXX is in default and contempt of court because they have intentionally not followed the XXXXXXXX XXXX instructions to commence arbitration for an alleged debt I do not owe. A case XXXX filed against me for a debt I do not owe was dismissed by the XXXX because we have a binding arbitration agreement that XXXX tried to ignore. I am attaching a copy of the case jacket proving the case was dismissed along with a the XXXX XXXX ordering XXXX the XXXX to commence arbitration. After the case was dismissed, XXXX got a different attorney ( XXXX XXXX ) from the same law firm XXXX and XXXX to use abusive and deceptive practices in violation of Sections XXXX and XXXX of the FDCPA to try to coerce me into paying a debt I do not owe. In this same communication from Attorney XXXX XXXX, XXXX and XXXX failed to include the standard mandatory disclosures regarding disputing and validating a debt that is required by Section XXXX of the FDCPA. This harassing communication from Attorney XXXX XXXX is in retaliation for a recent request I made to XXXX which was received on or about XX/XX/year> ( a copy of which is attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts on my credit report, which I reported to XXXX XXXX XXXX XXXX and U.S. Department of Education yet they are not removing this fraudulent account. XXXX XXXX, XXXXXXXX XXXX  and U.S. Department of Education have no right to refuse to remove this fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXX XXXX and U.S. Department of Education have refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, U.S. Department of EducationXXXX XXXX XXXX Date opened XX/XX/2020 Balance {$780.00} and U.S. Department of EducationXXXX XXXX Date opened XX/XX/2020 XXXX {$460.00} that were opened at an address where I have never lived at and it has nothing to do with me.