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

XXXX reporting late payments on account that I should not have. XX/XX/2021 XXXX the {$500.00} installment loan with XXXX. To which I paid all my payments on time for the next XXXX years. 

Unbeknownst to me, XXXX switched my account from a {$500.00} loan to a {$750.00} loan without my consent. XXXX never provided me with any option to opt in or out, but instead forced me into the new contract terms. See the attached screenshot of my account and look how the amounts changed from {$500.00} to {$750.00}. XXXX will not be able to show my consent. 

As a result, I eventually received the bogus late payments without the required 21 day notice being mailed to me. 

XXXX has been evasive in addressing the change of the {$500.00} to {$750.00} loan and the fact they didnt have my consent for the change. 

Its important to know that the change ultimately caused the late payments. Which should have never been made because I had completed the terms of my ORIGINAL CONTRACT! 

Due to the inaccurate late payments reporting on my credit report, my XXXX score dropped XXXX points in XXXX month. Thus destroying my credit worthiness! 

XXXX is a terrible company that prays on people trying to get their credit in good standing while using it to profit off the poor credit score people.
Product: Credit reporting or other personal consumer reports

This was my follow up for my last complaint. Upon reviewing my updated personal credit report again, it has come to my attention that several unauthorized inquiries and erroneous information persist on my record despite previous request for their removal. Despite my efforts to rectify this matter directly with the respective companies, none of the inquiries I identified for removal have been deleted. I once request that you undertake a thorough investigation and expedite the removal of the following unauthorized inquiries from my credit report. This investigation is necessary to ascertain the individuals responsible for authorizing these inquiries and to ensure the accuracy of my credit report. I am confident in the validity of my claim and trust that you will take the appropriate steps to address this matter promptly. Therefore, I kindly request the removal of the following unauthorized inquiries and the provision of an updated copy of my credit report reflecting their removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Should you determine any of the referenced inquiries to be valid, I request a detailed description of the investigative procedures employed within 15 business days following the completion of your investigation. However, I maintain that none of the inquiries listed herein are valid and thus urge their immediate removal, in accordance with FCRA Section 605B ( a ), which mandates the expeditious removal of items identified by the consumer as stemming from alleged identity theft.
Product: Credit reporting or other personal consumer reports

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

Despite my submissions, Equifax, Experian, & Transunion 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, Experian & 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 the account is accurate without providing any evidence of a thorough investigatien.

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 ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax, Transunion and Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

On Thursday, XX/XX/XXXX I called Sofi Bank to request a verification of deposit letter that will be used to verify funds for use with US Immigration and Customs Services. 

Customer service states that they need a blank pdf indicating which information should be provided. They say they can not just generate a VOD. USCIS does not provide a template, they accept private bank VODs generated by a bank XXXX. 

I emailed them a pdf with the information I neede to the email provided and today, XX/XX/XXXX, received a response stating that my request could not be fulfilled until I sent them a fillable pdf that was XXXX compatible. 

I believe this undo labor for a client in order to receive information about their own account. This is also limiting for clients who are not tech savvy or who are XXXX in some way and are not able to create their own pdf.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I opened an account with XXXX XXXX XXXX, The Enrollment Fee was {$75.00} And the Credit Line is {$700.00}. 

In XXXX I experienced financial Hardship due to Covid-19 Pandemic ( No fault of My Own ) I followed the requirements of the Cares act & I sought relief from XXXX XXXX XXXX  Due to the Pandemic. 

I was enrolled into their Covid-19 protection plan to which I would not receive any derogatory marks on my credit, however the account may accrue interest. 

Unfortunately XXXX XXXX XXXX  did not follow the Guidelines set fourth by the Cares Act & reported late payments XXXX, XXXX, XXXX, & XXXX of XXXX. 

" The Cares Act requires lenders to report to credit bureaus that consumers are current on their loans if consumers have sought relief from their lenders due to the pandemic. XXXX  XXXX statement informs lenders they must comply with the CARES Act. XXXX  XXXX statement also encourages lenders to continue to voluntarily provide payment relief to consumers and to report accurate information to credit bureaus relating to this relief. '' Because of this I have had inaccurate and misleading information published on my credit report & it has damaged my process to purchase a house and effects my very livelihood. 

I have reached out to XXXX XXXX XXXX  Numerous times to rectify the situation and have been treated with rudeness and unwillingness to come to any resolution. I feel that XXXX  XXXX XXXX  and other Predatory Credit Lenders should be held to the highest of compliance and responsibility when it comes to following the Law.
Product: Student loan

I do not have a balance with the school. And on the loan is stating that i'm currently in status.
Product: Credit reporting or other personal consumer reports

There are XXXX accounts under experian for a company world finance. My account was paid, and it shows XXXX opened within the same year. This informtion is incorrrect. This was written off, and i did not recieve a 1099 c from the company, as there is fraud here. being that it was written off and is not my account.
Product: Credit reporting or other personal consumer reports

After reviewing my TransUnion, XXXX and XXXX credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. This is a violation of the United States XXXX Law ( TILA XXXX5 U.S. Code 1666 ( b ) billing error ). Please see the attached file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all creditors by writing, online request, and telephone each month since XX/XX/XXXX to have these items removed from my credit reports. I have also formally written all XXXX bureaus to step in on XX/XX/XXXX to have these incorrect accounts removed from my credit. It has been over 30 days and they have not cooperated or even responded to my formal letters that were sent by certified mail to each bureau. 

Account Name : XXXX Account Number : XXXX Amount : {$3300.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Amount : {$1900.00} Account Name : XXXX Account Number : XXXX Amount : {$1700.00} Account Name : XXXX Account Number XXXX XXXX Amount : {$720.00} Account Name : XXXX Account Number : XXXX Amount : {$630.00} Account Name : XXXX Account Number : XXXX Amount XXXX {$380.00}
Product: Credit reporting or other personal consumer reports

This is additional information to my first complaint # XXXX see attached documents dated XX/XX/year> and XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX my second dispute XXXX to Experian regarding incomplete, inaccurate, personal information in my consumer XXXX that Experian failed to re-investigate or delete.
Product: Checking or savings account

Around XX/XX/year> Bank of America sent me a notice saying that all my accounts which the oldest being older then 15 years are being closed and they dont have to give out a reason. This completely messed me up because I had autopay on most of my bills including my mortgage and basically payments have piled up due to them bouncing due to the closures. I argued with four different people and the results were all the same, we cant and we dont have to give you a reason why we closed your accounts.
Product: Debt collection

Three accounts total with original hospital XXXX XXXX which should have been included in financial assistance application. It's been erroneously closed out. Permission was never provided to share medical information which is a direct violation of HIPAA. Accounts should not be shared with current collector nor reported by them.
Product: Credit reporting or other personal consumer reports

I noticed unverified and unauthorized inquiries on my credit report. I would like them removed immediately. 

XXXX XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXX ( XX/XX/2022 )
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern regarding the inaccuracies on my credit report, which I have disputed multiple times without resolution. Despite my repeated efforts to bring these erroneous accounts to your attention, they continue to remain uncorrected, causing significant harm to my credit profile. 

These inaccuracies are not only negatively impacting my creditworthiness but are also hindering my ability to maintain a normal financial life. As a result, I have experienced immense hardships, including [ briefly mention how this has affected you, if applicable, e.g., being denied loans, housing difficulties, etc. ]. 

I respectfully request that you conduct a thorough investigation into the reporting of each of these disputed accounts and take the necessary corrective actions without further delay. It is imperative that my credit report is updated to reflect accurate information to restore the integrity of my financial standing. 

Your prompt cooperation in resolving this issue is crucial, and I sincerely appreciate your immediate attention to this matter. Please acknowledge receipt of this letter and confirm that steps are being taken to investigate and resolve the disputed accounts. 

Thank you in advance for your understanding and support.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX LVNV FUNDING LLC ACCOUNT NUMBER : XXXX IS FALSELY REPORTING LATE PAYMENTS ON MY XXXX CREDIT REPORT. LVNV IS REPORTING TO XXXX THAT I WAS LATE PAYING THEM 120 DAYS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. I HAVE NEVER MADE ANY PAYMENTS OR HAD ANY FINANCIAL OBLIGATION TO THIS COMPANY. I HAVE BEEN DISPUTING THIS ACCOUNT WITH XXXX FOR SOME TIME AND NO PROGRESS HAS BEEN MADE. DUE TO THESE INCORRECT LATE PAYMENTS, I HAVE BEEN DENIED CREDIT DUE TO THIS ERROR REPORTED BY LVNV. IN ADDITION, I WAS NEVER GIVEN THE RIGHT TO DISPUTE THIS ACCOUNT BEFORE IT ENDED UP ON MY CREDIT REPORT. LVNV HAS VIOLATED FCRA 15 U.S. CODE 1692e ( 10 ) A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : I HAVE ATTACHED PROOF FOR YOUR REVIEW.
Product: Debt collection

My debt consolidation company XXXX XXXX XXXX settled an account for me, completed in XX/XX/XXXX. In XX/XX/XXXX I found a new derogatory account on XXXX  listed on my credit report. The account is listed as being acquired XX/XX/XXXX. There are no identifying names to identify who the original account was with, but that this was a debt collection agency called Portfolio Recovery Associates XXXX, XXXX ; ( XXXX ) XXXX. Because I had no idea who they were reporting that I owed {$1400.00} to I was forced to call them. Portfolio recovery Associates said they were collecting on my XXXX account ( settled and resolved in full in XX/XX/XXXX ) and told me that my debt consolidation company XXXX XXXX XXXX was trying to contact them to settle the {$1400.00} and that they weren't going to settle. I informed them they were incorrect, they proceeded with nasty rude unprofessional comments so I ended the call. XXXX XXXX XXXX confirmed that the statement was false, XXXX was NOT contacting anyone about any accounts from Portfolio recovery Associates and that the XXXX account was indeed settled and resolved. 
Portfolio recovery Associates have not responded to my emails disputing the {$1400.00} amount wherein I provided, both screenshot and pdf format, the settlement statement from XXXX to XXXX settling the account in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed some fraudulent activity and want you to further investigate
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees i have incurred. despite having insufficient funds when transactions were authorized, i was charged fees due to lagged posting of charge and credits This issue aligns with the recent CFBP findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed at the amount of time it is taking to get this resolved. I saw on my credit report that bankruptcies were showing on my credit report. So I wrote bankruptcy court to ask if they report this to the credit bureaus and they stated they do not. When I disputed this with the bureaus they stated that they verified the information. HOW IF BANKRUPTCIES DO NOT REPORT TO THE CREDIT BUREAUS. THIS IS A LIE AND A VIOLATION. I have attached all letters and certified letters sent to the courts and bureaus. I recently sent mail to XXXX XXXX as well telling them that they are in violation of my rights as well and sent letters to XXXX XXXX to fix this. Certified as well and was received by XXXX XXXX on XXXX XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax to dispute an account that was send to them from a utility company, XXXX XXXX, in XXXX California area. The account report was completely wrong, since XXXX XXXX employees stole {$110.00} from my electric account that I used to temporary connect electricity to a Mobile Home to do some repair work. I have the receipt for that payment and I sent everything to Equifax. Equifax instead of removing completely the whole collection account, changed the account status to delinquent and report the  delinquent date to XXXX XXXX when in fact XXXX reported it as none payment XXXX of XXXX. The account did not exist at XXXX and started in late XXXX. 
This damaged my FICO score 60 points, dropped it from XXXX to XXXX. 
Equifax employee that did this was stationed in XXXX and I question him how is possible that you are not here in the United State and you have all my sensitive information? He had no answer for that and kept quite, the conversation with him took had an hour. I disputed the wrong doing but there was no action from the company. Now I have been financially damaged since I am doing a refinance and that cause my rate to go up, a thirty years extra payment.
Product: Debt collection

This account does not belong to me. It has been a. big inconvenience in my life. I have attached my FTC report below to prove this account does not belong to me.
Product: Debt collection

I have been harassed by EOS CCA, and my credit credibility is tarnished because they have a collection debt on my credit reports that does NOT belong to me. My name is NOT XXXX XXXX! How is this even possible for someone to falsify information and add it to one 's credit report and defame my character? I DO NOT OWE THIS DEBT! Remove Immediately or I will take you to court for defamation of character and pain and suffering.
Product: Debt collection

Ability recovery I called they hung up on me three times. Was even told by one agent I dont have time to deal with people like you. Because I was stressing the fact they had to take off my report. 
I even mailed a copy of the report to them. 
I told them this debt is being disputed thru the department of education. I have a reference number to give them they didnt want it. It clearly states this means the federal government or debt collection companies will stop attempting to collect on the loans until the borrower of defense reviews the process and my application is completed. 
They would not listen and kept stating it will stay on my report. 
Amount is XXXX XX/XX/XXXX 2015
Product: Vehicle loan or lease

The company was notified on, XX/XX/2023, XX/XX/2023 and XX/XX/2023 XXXX certified and registered mail. regarding notice to provide all documentary evidence from the public and private side from the XXXX per the XXXX accounting principles generally accepted in the XXXX ORIGINAL and/or UNALTERED documentation specifying credits, tax liabilities, discharge of debt, bonds, and/or securities as they are applicable to this account. 
Compliance with 12 CFR 1026.13, which requires correcting the billing error and crediting the consumer 's account with any disputed amount and related finance or other charges, as applicable. 
XXXX has no knowledge of nor has Lender ever revealed or disclosed to XXXX never intended to agree to or consented to any trust relationship or creation of trust between XXXX and XXXX. XXXX XXXX is participating in deceptive contracts that DO NOT comply with TILA, BILL OF RIGHTS, BILL OF EXCHANGE ACT OF 1882, 12 USC 5531 ( D ), 15 USC 1962E FALSE OR MISLEADING REPRESENTATIONS, 12 USC 1431, 12 USC1435. According to the regulations set forth by the Federal Communications Commission ( FCC ), I am entitled to request and receive a physical, signed copy of the contract in question. 

In accordance with FCC regulations, the specific code or provision that grants me this right is outlined in Title 47 of the Code of Federal Regulations ( CFR ). While I do not have the exact code at hand, it is my understanding that the FCC ensures consumers have access to signed copies of contracts, especially those related to telecommunications and related services. 
Lender is intentionally concealing and withholding material facts regarding any trust or the creation of any trust in re alleged Title of Trust connected to alleged account # XXXX This is a breach of contract and an adverse action for exercising my rights. 

Consumers also have rights under the Fair Debt Collection Practices Act ( FDCPA ), a separate federal law that regulates the practices of debt collectors. Under the FDCPA, if you request validation of a debt within 30 days of receiving the initial communication from a debt collector, the collector must provide you with certain information, including a written verification of the debt, if requested. However, this does not necessarily require the collector to provide the original signed contract or " wet documents. ''
Product: Checking or savings account

My mother XXXX XXXX XXXX was an account holder at Bank of America and she passed away on XX/XX/XXXX. She named me as the custodian and my XXXX grandchildren, her great grandchildren as the beneficiaries on her account. I requested the Account closure forms which was received in XX/XX/XXXX. I completed and submitted the forms on XX/XX/XXXX then submitted the forms again on XX/XX/XXXX and additional documents in XX/XX/XXXX. I called every XXXX weeks and waited XXXX months for the account to be closed but each month I was given another excuse over the phone. I never received the checks for my grandchildren nor a reason as to why the account has not been closed. As of XX/XX/XXXX, the account is open, has not been closed and the funds have not been dispersed. I need assistance and want to find out can I sue the bank for refusing to close the account as requested.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate 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 ( File No. XXXX ) against them for similar violations. request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am writing today to inform you of unfair and and negative impacts/ actions USAA has caused on my credit report. I was informed by several agents within USAA on multiple calls I was a client affected by a systematic error that cause thousand of their customs to receive a false 30 day late on the credit. I was also advised USAA is aware of the error and the were working to resolve my complaint. After several conversations with USAA representative advising the corrections were being addressed. I later was contacted by Executive Office who advised I was 2 dollar short on the auto loan. I believe USAA is using this as a way to attempt to escape responsibility for the financial impact they have caused on thousand of customers including myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have information that i disputed. Months ago, that is still their. Experian told me that they deleted it but it is still showing. I should only have XXXX address on file not XXXX old address.