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

I am filing a complaint against Equifax through the Consumer Financial Protection Bureau ( CFPB ) due to persistent issues with my credit report. Each time I apply for credit, my bank informs me that my Equifax credit report is frozen, yet when I access my Equifax account online, there is no indication of any freeze. Additionally, my attempts to resolve this issue via phone have been consistently unsuccessful, as I am repeatedly told that the systems are undergoing updates and to call back later. This recurring problem has become a significant impediment to my financial activities. I urgently require assistance in rectifying my credit report by ensuring it is unfrozen and also request the removal of any fraud alerts that are inaccurately placed, as these are hindering my access to credit.
Product: Credit reporting or other personal consumer reports

XXXX is repeatedly reporting a supposed debt inaccurately to my Experian credit report. I have reached out to them to have the account removed for violating the FRCA however they continue to confirm it's reporting correctly. Pursuant to 15 U.S.C. 1681-1681x companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information According to Discovers responses I have disputed this account on numerous occasions questioning the accuracy of the reporting. As of this day, my credit report does not have the following -Closed Date -Last Verified -Original Creditor According to the statements from XX/XX/XXXX to XX/XX/XXXX XXXX sent me, my last payment was made XX/XX/XXXX which is confirmed on my credit report. 

Late payment fee dates according to XXXX statement -XXXX XXXX XXXXXXXX ( 30 Days late ) -XXXX XXXX XXXXXXXX ( 60 Days late ) XXXX XXXX XXXX ( 90 Days late ) - XX/XX/XXXX ( 120 Days late ) - XX/XX/XXXX ( 150 Days late ) - XX/XX/XXXX ( 180 Days late ) - XX/XX/XXXX ( reported as charged off ) XXXX XXXX XXXX ( Account shown as closed ) Date of Last Activity is showing as XX/XX/XXXX. I am requesting again that XXXX send me documentation on what changes happened on XX/XX/XXXX to an account that was charged off in XXXX of XXXX, they have verified this repeatedly and if they can not show proof of activity I ask they please remove this account. 

I am requesting proof the account was opened on XX/XX/XXXX as stated on my credit report along with the contract that was signed. 

Furthermore this account was dismissed without prejudice by a federal judge in XXXX according to a written letter from XXXX. I am expecting a prompt response with the requested information.
Product: Credit reporting or other personal consumer reports

This letter constitutes a formal dispute of inaccurate information appearing on my credit report. It is required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically 15 U.S.C. 1681i ( a ). This section of the FCRA grants consumers the right to dispute any information in their credit report that they believe to be inaccurate, incomplete, or unverifiable. 

The disputed information is as follows : XXXX  XXXX XXXX [ Account # : XXXX / Charge Off ] XXXX  XXXX XXXX [ Account # XXXX ] XXXX XXXX XXXX [ Account # XXXX ] XXXX XXXX XXXX [ Account # XXXX ] Violation of 15 U.S.C. 1681c ( a ) ( 1 ) : The FCRA, specifically 15 U.S.C. 1681c ( a ) ( 1 ), generally limits the reporting period for most negative trade lines, such as late payments, to seven years from the date of first delinquency. The continued reporting of late payments on this closed account may exceed this statutory limitation.

Potential Violation of 15 U.S.C. 1681b : The continued reporting of this closed account with late payments may constitute a violation of 15 U.S.C. 1681b, which requires that consumer reports be fair, accurate, and impartial.

Violation of 15 U.S.C. 1681i ( a ) : Despite filing multiple disputes with Experian regarding this account, I have not received a thorough and impartial investigation as required by 15 U.S.C. 1681i ( a ). Experian has repeatedly verified the account as accurate without providing any supporting documentation or evidence of a legitimate investigation.

Violation of 15 U.S.C. 1681i ( b ) : This failure to conduct a proper reinvestigation, even after repeated disputes, may violate 15 U.S.C. 1681i ( b ), which requires CRAs to reinvestigate disputed information.

Violation of 15 U.S.C. 1681i ( c ) : Experian has failed to provide me with the results of their investigation and any supporting documentation related to this account, as required by 15 U.S.C. 1681i ( c ). This lack of transparency hinders my ability to understand and dispute the accuracy of the information being reported.
Product: Credit reporting or other personal consumer reports

Fingerhut/webbank have fraudulent records of an account that doesnt have my correct social security number, that isnt mine where someone bought some purse and whatever else that I didnt order and said the proof was it was sent to my house. Are you serious Ive been battling this account now for a while! XXXX a XXXX veteran with a XXXX XXXX XXXX XXXX not XXXX. I in no way want your purse and perfume that you fraudulently sent to my house without my permission!!!!!!!!!!!! That someone ordered with only the last XXXX numbers of my social security number because the numbers your fraud department sent me is not my social security number. XXXX XXXX you owe me money for all this time I have to waste over you allowing someone to open a fraudulent account and set off my XXXX and my anxiety to XXXX XXXX I feel XXXX losing it!
Product: Debt collection

I am writing to you with utmost urgency regarding a fraudulent account that has appeared on my credit report. It has come to my attention that an account has been opened under my name without my consent or authorization. This is a blatant act of identity theft and I demand immediate action to rectify this egregious situation. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I asked the credit bureaus to do a verification of everything on my credit report. They did, stating that everything is accurate. I did a thorough research myself and found improper inaccuracies. In accordance with the Fair Credit Reporting Act, XXXX, XXXX, and Trans Union XXXX accounts listed below, has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A, states I have a 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 written instructions.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
# XXXX 5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit caro count under an open end consumer credit plan as late for
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm is reporting a transaction that I didnt authorize thats effecting my credit score. 

XXXX transaction was made on XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX student loans initially from XXXX. I graduated school in XX/XX/XXXX, and consolidated them in an effort to get into the PSLF program. The loans were accepted by XXXX and I was approved for the PSLF program in XX/XX/XXXX. The loan was transferred in XX/XX/XXXX, and I received a paid in full letter from XXXX. XXXX last reported my balance to the credit bureaus in XXXX of XXXX, so its still showing my full balance. They have not reported on my debt since then. Additionally, XXXX has consistently reported my balance correctly since they took over my loans and I began on the PSLF program. I have called XXXX numerous times asking if I still owe them a balance because the total balance is still showing on my credit- despite the paid in full letter. They tell me every time that I do not owe anything, but will not report the debt as {$0.00}. Essentially it looks like I owe the debt twice on my credit report. I have called and sent letters consisting of documentation including my credit reports with letters explaining my position to XXXX and they refuse to mark the debt to {$0.00} and report it to the credit bureaus. I have contacted XXXX and they assure me everything is fine on their end and I can see where theyve been reporting the debt correctly- so I believe the issue is on XXXX. I have filed numerous disputes and cited that the debt is being recorded incorrectly and is paid in full, but Ive had no luck with this. Now, XXXX is telling me that the department of education changed the federal credit reporting laws, and that this should remain on my credit. That makes no sense to me, as it looks like I owe double the debt that I owe. They're telling me it should resolve itself as soon as the XXXX begins reporting on it - it has not. XXXX has been reporting on this debt since XX/XX/XXXX, and the XXXX loans are still showing as open and with a balance on my credit report. This is hindering me from moving forward in my life and purchasing my first home. It's unfair that this debt is appearing double when I only owe it once. XXXX has done nothing but pass the buck when it comes to their reporting measures and tell me that they can not help me- when they're the ones reporting the debt on my credit report.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting that I do not recoginize
Product: Credit reporting or other personal consumer reports

I paid off my full credit card balance of {$6800.00} on XX/XX/. After the payment was cleared, I then called XXXX to close my credit card on XXXX XXXX XXXX The XXXX agent closed my credit card and let me know there were no charges left on my credit card. Without any sort of communication, XXXX charged an interest charge of {$25.00} on XXXX XXXX XXXX XXXX business days after my credit card was closed. XXXX never sent me any sort of communication or email stating the new balance was due. XXXX months went by and XXXX then charges me a late payment and then reported the unauthorized late payment to my credit bureaus. My credit score has now decreased from XXXX to low XXXX 's because of XXXX 's failures. I have reached out to XXXX multiple times and XXXX agents are unwilling to reverse their credit reporting error. XXXX is standing by their reporting stating their XXXX statement shows an interest charge of {$25.00} but the disconnect is that XXXX charged their fees XXXX business days after I closed my account. Also, no communications were given to me to give me the chance to either dispute or pay the erroneous interest charge. 
Please help to look into XXXX 's fraudulent behaviors and help to reverse their credit reporting error.
Product: Credit reporting or other personal consumer reports

Today, I was shocked to find incorrect accounts suddenly showing up on my credit report, and Im completely baffled as to why. Checking my credit report regularly is part of my routine, so I was taken aback by these unexpected errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a fraud report with XXXX for the accounts XXXX XXXX, XXXX and Bank of America. These accounts were charged off and placed as derogatory due to an incident of identity theft back in XX/XX/XXXX. Pursuant to Section 605b, these accounts need to be removed
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated. 


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 XXXX  days before the payment due date. 


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


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


This is XXXX XXXX XXXX and not equitable to me as a consumer! 


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

I recently discovered that a fraudulent XXXX XXXX XXXX XXXX ) account was opened in my name, appearing on my TransUnion and XXXX credit reports. I did not authorize this account, which was opened on XX/XX/2024, and currently has a reported balance of {$2100.00} with a {$2200.00} credit limit. This has negatively impacted my credit utilization ( 96 % ) and my credit score.

I have disputed the account with TransUnion and XXXX and contacted XXXX XXXX  but have not received a satisfactory resolution. I am also filing an identity theft report. I request the immediate removal of this fraudulent account from my credit reports and a full investigation by XXXX XXXX. I am willing to provide further documentation if needed and appreciate your assistance in resolving this matter promptly.
Product: Credit reporting or other personal consumer reports

The XXXX account listed on my credit report, which has been reported with a charge-off status. I have reviewed the information furnished to Experian and, based on Metro 2 reporting guidelines, request the removal or correction of this entry to ensure compliance with all reporting requirements. My account information is as follows : Account Name : XXXX Account Number : [ Account Number ] Date Opened : [ Date Opened ] Original Charge-Off Amount : [ Charge-Off Amount ] Upon review, I believe that the current reporting on my credit file may not fully adhere to the required Metro 2 reporting standards for charge-off accounts, particularly regarding Account Status Code 97, as outlined below : Metro 2 Compliance Review Points : For accurate reporting under Metro 2 guidelines, Experian is required to verify that the following fields for accounts with an Account Status Code of 97 ( Unpaid Balance Reported as a Loss Charge-Off ) meet compliance : 1.Scheduled Monthly Payment Amount : This should reflect a XXXX balance, as no ongoing payments are due on the account after the charge-off event. 

2.Account Status : It should clearly show Code 97 to indicate an unpaid balance reported as a loss. 

3.Original Charge-Off Amount : The original amount charged off must remain consistent and should not fluctuate, regardless of any changes in the accounts balance. 

4.FCRA Compliance/Date of First Delinquency : This should accurately reflect the date of the first 30-day delinquency that eventually led to the accounts charge-off status, in compliance with the Fair Credit Reporting Act ( FCRA ) guidelines for the Date of First Delinquency ( DOFD ). 

5.Date Closed : For Revolving, Open, and Line of Credit accounts ( Portfolio Types R, O, and C ), if the account was closed to further purchases, the date the account was closed must be reported. If the account was not closed to further purchases, this field should reflect a XXXX  6. Date of Last Payment : This field should accurately represent the date the most recent payment was received on the account.substantiate Based on these guidelines, I kindly request that Experian verify and substantiate the following : Confirm and substantiate that Account Status Code 97 is correctly reflected with a XXXX Scheduled Monthly Payment Amount. 

Verify and substantiate that the Original Charge-Off Amount is accurately listed and has not been modified. 

Ensure the Date of First Delinquency ( DOFD ) is correctly reported as the first instance of 30-day delinquency, which led to the accounts charge-off status. 

Update the Date Closed field, if applicable, or confirm and verify that it is XXXX-filled if the account was not closed to further purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX  refuse my requesed the indetity theft block sent to them because someone has my SSN and date of birth and I found out that she monotoring my credit score by XXXX she took my background check, home address and a lot of my personal informations from XXXX, XXXX, XXXX and others. Im very afraid about myself because maybe she will trying to put me in trouble. I reported this case and at XXXX XXXX XXXX XXXX Police Records. My case number is XXXX. Please investigate my case and contact me if you need more proof. Cell ; XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX ACC # XXXX XXXX XXXX  ACC #  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX   PLEASE UPDATE MY ADDRESS TO CREDIT REPROT XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX THESE ARE FRAUDULENT ADDRESSES XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX PLEASE UPDATE MY PHONE NUMBER TO FRAUD ALERT XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA XXXX furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 


Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : US DEPARTMENT OF EDU State inquiry occurred on XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX that occurred on XX/XX/ and there is XXXX that occurred on XXXX The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I would like to dispute the validity of the above account Capital one bank usa XXXX. With a balance of XXXX I also request a copy of the application to open this account. I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? Enclosed with this correspondence is a copy of my drivers license Thank you Sincerely,
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX