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

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$6300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX : {$580.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$15000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX : {$110.00}
Product: Credit reporting or other personal consumer reports

Experian has failed to fullfill its 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 Experian 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 Experian 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 accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

As a protected consumer in the U.S. I have protected rights under the FCRA. 
This company has violated my Consumer rights by : 1. violating my right to privacy 2. This debt buyer did not have permissible purpose to obtain a consumer report.
3. As a protected Consumer I am entitled to know how your credit information is reported, handled and used by a credit bureau. The Credit bureaus did not let me you know how my credit information was being used so they have violated the FCRA by reporting this information. 
4. The credit bureaus were notified of my dispute of this past due collection account but, has failed to correct the information within 30-days.
Product: Money transfer, virtual currency, or money service

At XXXXXXXX XXXX on XXXX XX/XX/2024 I received an email from Chime asking me to " finish signing up '' for their financial services. This was the first time I had ever heard of the company. 24 hours later I received an email with the subject line : " your account is still waiting. '' When I attempted to reach Chime I was directed by the phone tree to verify myself by uploading a copy of my state issued ID (!!!!!! ). This is at the least a misleading practice, and it is my opinion that it is fraudulent.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I sent a money transfer in the amount of {$50000.00} to my sister 's account in XXXX. The transfer was cancelled by the correspondent bank for some unknown reason and sent back to my account at XXXX XXXX. The money has not yet been returned and I am very worried because they do not provide me with any information. As a result of my investigation, I found out that the money is in the American bank J.P.Morgan. I ask you very much to understand this situation and help me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by [ Credit Bureau Name ] . Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 

After reviewing my credit report dated XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : Account XXXX : XXXX Account number : XXXX 1. High Balance Discrepancy : o TransUnion reports a high balance of {$6100.00}. 
o XXXX reports a high balance of {$6100.00}. 
o XXXX reports a high balance of {$5900.00}. 
2. Last Verified Date : o TransUnion : XX/XX/XXXX. 
o XXXX : Not reported. 
o XXXX : Not reported. 
3. Date of Last Activity : o TransUnion : XX/XX/XXXX. 
o XXXX : XX/XX/XXXX. 
o XXXX : XX/XX/XXXX. 
4. Date Reported : o TransUnion : XX/XX/XXXX. 
o XXXX : XX/XX/XXXX. 
o XXXX : XX/XX/XXXX. 
XXXX. Account Description : o TransUnion : Profit and loss write-off. 
o XXXX : Unpaid balance reported as a loss by the credit grantor. 
o XXXX : Amount in high credit original charge-off amount. 
XXXX. Payment Status Discrepancies : o TransUnion : Charged off as bad debt. 
o XXXX : Unpaid balance reported as a loss by the credit grantor. 
o XXXX : Charged off account. 
XXXX. Days Late - 7 Year History : o TransUnion : No late payments reported. 
o XXXX : 60 days late once, 90 days late once. 
o XXXX : 60 days late once, 90 days late XXXX times. 


Given these discrepancies, I request an immediate investigation into these inaccuracies and prompt correction of my credit report. Enclosed are copies of my credit reports from TransUnion, XXXX, and XXXX highlighting the inaccuracies. 


Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ] I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting Act. The list of accounts below has violated my Federally Protected Consumer Rights to privacy and confidentiality in 15 USC 1681.

15 U.S.C 1681 Section 602A. states I have rights to privacy.

15 U.S.C 1681 Section 604A 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 seven years. 

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

Please be advised this is my SECOND WRITTEN REQUEST. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 15 USC 1681I ( B ) I AM REQUESTING THE DESCRIPTION OF PROCEDURE. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

on XX/XX/XXXX I received pre-stamped court summons from XXXX XXXX XXXX XXXX, court documents signed with a stamp dated XX/XX/XXXX while I was at work. My boyfriend 's son received the unsealed document, exposing the nature of the debt as well as the amount outstanding. I 'm being summoned to appear in court on XX/XX/XXXX and pay the balance in full as well as court costs. 

I have made attempts to settle the balance with the creditor in the past however they have refused my payments. I 'm concerned that my personal information has been exposed.
Product: Money transfer, virtual currency, or money service

I have a Robinhood cash management, brokerage ( with margin ) account, and XXXX  account. Recently they have restricted my account and after multiple days trying to find why I couldn't open positions transfer withdraw etc, they replied this morning finally and all they said was Hi XXXX, It's possible, we may make an exception in the future, but currently we won't be able to reopen your account. 

If we are ever able to support your account again, we will reach out and let you know at that time. 

Also, if applicable we will reach out with instructions in the future, but we do not have any updates at this time. 

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

Hello I was on my XXXX  XXXX  today XX/XX/XXXX noticed there was some fraud and unauthorized things on my credit report I need fixed. First off on my XXXX  I never applied for a XXXX  XXXX card on on XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX i did not give any authorization for any of these companies to look at my credit so this was done without my consent. 

Now as for equifax I have more fraud and unauthorized things I want off my credit file. XX/XX/XXXX I am getting hit with 2 hard pulls i never authorized. Also on XX/XX/XXXX I am being hit with 2 hard pulls I never applied or have any knowledge of. 

I just want all credit reporters to be aware and fix this problem thank you guys.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Product: Credit reporting or other personal consumer reports

erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

This is my second complaint with CFPB about Navient. My previous complaint received a copy and pasted generic response from Navient. I am fed up with dealing with this lender. I was never properly educated on how the interest would capitalize during my time in school and after. I was only given options for repayment that paid toward interest and in very small increments which has increased my balance over 150 % in the last 10 years. I owe 2.5 times what I borrowed and have my made payments since graduation I XX/XX/XXXX. The original lender, Sallie Mae, could not keep their end of the bargain and were conveniently allowed to just change their name and continue business as usual XXXX  borrowers that were defrauded by their schools. When students realized they attended predatory and for-profit schools, the lender should have made attempts to work with the students for relief. It is absolutely unfair that I attended a school that lied about accreditation, did not educate me on cost and taking out loans, and eventually closed their doors ; making my degree a useless piece of paper. I am expected to pay back loans until XX/XX/XXXX, which will equate to over {$600000.00}!!!!!! 

GIVE RELIEF TO STUDENTS FRAUDED BY SCHOOLS THAT ARE NO LONGER OPEN THAT HAVE CREDITS THAT DO NOT TRANSFER!!!!!

1. unclear on capitalization of interest over time of loan 2. loan sale and resale without permission 3. loan capitalization that was over 3x borrowed amount 4. horrible customer service, only offer repayment options that make money for navient and never pay toward the principal 5. late fees before payment due date or when payment was applied twice in one month 6. unfair practices for borrowers, policies do not favor the borrower and lender makes enormous profit 7. estimate of my loan payoff is XX/XX/XXXX with a total payment of over {$600000.00} when I only borrowed {$68000.00}. HOW IS THIS FAIR OR LEGAL???? 
8. can not say enough about the customer service. reps are unkind and I have been told things like if you can afford a mortgage or a car payment then you don't have your priorities straight and you can afford 25 % of your income to your student loans.
Product: Credit reporting or other personal consumer reports

This is not a duplicate request nor filed by a 3rd Party Credit Repair agency. I'm filing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S. Code 1681c2 ) that you, EXPERIAN a consumer credit agency block information that is appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at 1.Identity Theft. 
XXXX XXXX XXXX Account Number:XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2.Validate Account XXXX XXXX XXXX Account Number:XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 3.Identity Theft. 
XXXX Account Number:XXXX i dont recall having latepayment on this account 4.Identity Theft. 
XXXX XXXX XXXX Account Number:XXXX I need to see all bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment 5.Identity Theft. 
XXXX XXXX XXXX Account Number:XXXX Please remove it from my credit report. 
6.Identity Theft. 
XXXX XXXX XXXX Account Number:XXXX these accounts appear to be related to the aforementioned in this dispute. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aformentioned accounts, collections, and or hard inquiries as reported. The aforementioned accounts, collections, and or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are a result of identity theft and fraud.
Product: Mortgage

CountryWide stole my home from me, which had been paid for XXXX times over, first by my signature on the Promissory Note, then on the refi promissory Note & from my personal check which CountryWide monitized. Also I signed forms that were not fully disclosed to me. I did not know that by signing the forms, I gave the property back to CountryWide & agreed to pay them about {$900.00} a month for 30 years.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to remove unauthorized credit inquiries from my credit report. On my XX/XX/year> credit report, I discovered several unauthorized credit inquiries on my Equifax credit report. I promptly disputed these inquiries, as I did not authorize any of them. However, Equifax advised me that I needed to contact the creditors responsible for these inquiries to obtain a letter from them acknowledging the unauthorized inquiry. 
This is in direct violation of the FCRA. As per the FCRA, credit reporting agencies are required to maintain accurate and complete consumer reports. Equifax, as a consumer reporting agency, bears the responsibility of investigating my dispute and ensuring the accuracy of the information on my credit report. I am not responsible for obtaining any documentation from the creditors involved. By shifting the burden to me and refusing to remove the unauthorized inquiries, Equifax has failed to uphold its legal obligations under the FCRA. I request that the CFPB investigate this matter and compel Equifax to remove these unauthorized inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to the Consumer Financial Protection Bureau on XX/XX/2020 regarding EQUIFAX. 

I have repeatedly asked EQUIFAX both on-line and by certified letter as is my right under the FCRA 611 ( a ) ( 7 ) for a complete description of all methods used to investigate my dispute regarding an inaccurate report of an auto loan from XXXX XXXX XXXX. EQUIFAX has NOT provided this information. They responded to my complaint filed with the Consumer Financial Protection Bureau by sending a copy of my credit report via first class mail. They DID NOT provide me with the requested Methods of Verification of the dispute with XXXX XXXX XXXX. 

I DEMAND EQUIFAX provide me with WRITTEN Methods of Verification of my dispute or delete this item from my credit report permanently. I can not move forward with a police report without information including signed contract, the business where automobile was purchased, date of transaction and ID provided at the transaction. 

I have also requested this information from XXXX XXXX XXXX on MULTIPLE occassions with NO response.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX card went into debt due to natural disasters like Covid 19 i lost my job, house, car, money and everything and experienced homeless. I was now able to pay my XXXX store credit card off in a settlement in XXXX and they promise me to delete it off my credit report in 30 days. So far they havent and it shows negative on my report and we are almost in middle of XXXX. They dont have a direct number for this problem. And XXXX doesnt do business with the debt collectors no more so they cant even help me even though they sold my debt and stopped working with all debt collecters. I got approved for a new XXXX card account and would like the old account removed because its paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to dispute the charged-off account and inaccurate reporting associated with the above-referenced account number XXXX, as reported by First Progress. 

I would like to note that the account in question was discharged through a XXXX  XXXX bankruptcy filing ; however, the focus of this dispute is not related to the bankruptcy itself. 

Despite not receiving Form 1099-C ( Cancellation of Debt ) from First Progress, which is a violation of the Internal Revenue Service ( IRS ) regulations, I have filed the discharged debt as income on my tax return, as I understood it to be a requirement. The failure to provide the 1099-C is a breach of the IRS tax code, and it is my understanding that you have taken a write-off for the debt in question.

It is important to note that income is not required to be reported on a consumer report under the Fair Credit Reporting Act ( FCRA ). Section 605 ( a ) ( 4 ) of the FCRA specifically outlines that consumer reporting agencies may not include any information in a consumer report that is related to the receipt of public assistance benefits. It is my belief that the income reported on my tax return, which includes the discharged debt, qualifies as public assistance benefits and is therefore exempt from reporting on my consumer report.

I request that you investigate this matter and verify the following : 1. The accurate reporting of the charged-off account on my credit report, considering that I have filed the discharged debt as income on my tax return despite not receiving a 1099-C from First Progress.

2. The validity of the reporting of the charged-off account. 




Please provide documentation supporting your findings and any actions taken to rectify the situation. If the investigation reveals inaccuracies in the reporting of the charged-off account, kindly remove the information on my credit report. 

If you maintain that the information reported is accurate, please provide me with a detailed explanation and any supporting documentation, including a copy of the signed agreement that established the debt and any other relevant information. 

Additionally, I request that you provide me with the 1099-C you failed to issue, as required by the IRS regulations .

I kindly request that you respond to this dispute within 10 days, as the Fair Credit Reporting Act ( FCRA ) requires. Failure to do so may result in further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. 

Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX
Product: Mortgage

I contacted my Mortgage servicer/ Wells Fargo by telephone on the following dates but was not able to reach a person to assist me with a {$110.00} late charge that I was assessed on XX/XX/2020. 
1st call - XX/XX/2020 2nd call - XX/XX/2020 3rd call - XX/XX/2020 4th call - XX/XX/2020 5th call - XX/XX/2020 6th call - XX/XX/2020 7th call - XX/XX/2020 8th call - XX/XX/2020 9th call - XX/XX/2020 10th call - XX/XX/2020 On each occasion I was on hold for approximately 1 hour only to be disconnected before reaching an agent. I after attempting to reach someone over the phone I visited my local Wells Fargo branch on XX/XX/2020 in XXXX Oregon where I was told that nobody at that location could assist me with my mortgage account. I was provided the business card for a Wells Fargo mortgage banker and told to contact him. When I contacted him I was told that he can only assist with originating new loans and can not provide service for existing loans. He directed me to call the phone number that I have previously tried to reach someone at. I am at a loss for how to reach someone to assist with my issue. Please help!!!!