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

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section XXXX, any inquiry that can not be verified must be removed. 
Right of Verification : Section XXXX grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section XXXX requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section XXXX mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as Pintos v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting or other personal consumer reports

I noticed that a XXXX  XXXX bankruptcy is reporting on my credit report without my prior consent. It appears that this information was obtained and reported without proper authorization. That is unfair! Obtaining and sharing potentially negative information without prior consent from the consumer is false and misleading. And the information is harming me. I am putting XXXX XXXX, Experian, and XXXX on notice about the crime and demanding for the unauthorized information to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX ( Account # XXXX ), XXXX XXXX ( Account # XXXX ) has violated my rights 15 USC 1681 Section 602 states I have the right to privacy.

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


DEPT OF EDXXXX XXXX # XXXX, U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF ED/XXXX XXXX XXXXXXXX XXXX DPT EDXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, Has violated my rights.

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 seven years.

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 card or prepaid card

On XX/XX/XXXX of this year, I filed a claim for stolen funds off of my " Vanilla '' card and I proceeded to send them a written copy ( provided by them ) of details for how much was taken, etc. I am still waiting for resolution to this matter! I have emailed them about the status of the case, and received no reply except for one stating they couldn't find my account info! Ugh! I immediately wrote back and told them I made copies of EVERYTHING so it shouldn't have taken this long to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : # XXXX. XXXX. XXXX, XXXX {$310.00}. XX/XX/XXXX Account name : #, XXXX XXXX XX/XX/XXXX {$260.00}. Account name : #, XXXX Number XX/XX/XXXX Account name : # XXXX Bank XX/XX/XXXX {$280.00} Account name : # XXXX. XX/XX/XXXX {$95.00} Account name : # XXXX XXXX XX/XX/XXXX {$870.00} has violated my rights. XXXX5 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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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: Mortgage

I have paid off my mortgage in XX/XX/XXXX but the mortgage company has not sent me a mortgage satisfaction letter and record it on the county record. Based on the mortgage agreement I signed, the servicing company is supposed to send it to me within 45 days. It has been two months and Lakeview loan servicing LLC still has not sent the letter. 

I spoke to a lawyer and they told me that I will not be able to sell my property. I am planning to list my property for sales and can't do so because the mortgage company didn't send the mortgage satisfaction letter I have called Lakeview more than 10 times. They told me that they will record with the county on XX/XX/XXXX and it didn't happen. I called them again. They told me that they have third party working on recording and will finish on XXXX. XXXX and will keep me post it when it is done. Never heard back anything. I called XXXX XXXX because this loan is owned by XXXX XXXX and they told me to contact you. 

Please assist. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past few years, I have done multiple investigations on my credit report once I was made aware that incorrect information was being reported. I have reached out to each bureau multiple times regarding the incorrect information, but my effort have gone ignored. 

My investigation revealed unverifiable, invalidated, inaccurate and questionable items neither of the three major credit bureaus ( Equifax, XXXX, XXXX ) bothered make sure is reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), anything reporting inaccurately on my credit bureau is in direct violation leaving my incapable of being 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and that they each came back verified. However, it is impossible that this can be true due to several inaccuracies still reporting on my credit bureau, despite my efforts to right this wrong. Each dispute that I have filed with the three major bureaus, have all resulted in the same response. In the case of the inaccurate bankruptcy reporting, each bureau responded stating that the information had been verified directly with the source, which would the bankruptcy courts. However, I am attaching a letter here from XX/XX/2022 where the courts clearly state that they do not verify information with any third party entity. So all three of the credit bureaus are lying and they are intentionally allowing inaccurate information to be reported against me, which has hurt me not just financially but professionally as well. Additionally, I have vigorously disputed fraudulent inquiries that I made clear were also not mine and I was told that inquiries can not be disputed. HOW IS THAT POSSIBLE? If ALL information is required to be 100 % accurate, as a consumer I have the right to dispute everything. I DID NOT apply for credit from those companies.
Product: Debt collection

Portfolio Recovery Associates ( XXXX ) have claimed they have a debt in my name for {$3500.00} from XXXX. I was in high school in the year XXXX and did not have any credit cards. When I called to speak to the company on XX/XX/XXXX, I was told that I needed to now call and talk to XXXX XXXX XXXX ( XXXX ). They refused to give me any more information. This feels like a scam to either get money from me or obtain my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has refused to provide proper documentation to verify the information on file. 
They have also refused to provide how the information was verified. 
They refused to conduct the investigation within the 15 day timeline. 

Experian needs to delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has been removed from XXXXXXXX XXXX  and XXXX it should not be in my credit report at all it should be deleted since they claim they use this 3rd party service XXXX XXXX XXXX and XXXX XXXX  has a bad address. This is not my account it should be deleted
Product: Debt collection

I included a student loan in a Bankruptcy that I needed to file back in like XXXX and it passed through the Bankruptcy court. 20 some years later XXXX XXXX XXXX said that because I consolidated all my debt that that portion the student loan did not pass through. I have tried to talk with these people through the years { XXXX XXXX XXXX XXXX to try and come to some kind of resolution to this and they have been totally unwilling to work with me at all. The amount of the loan was XXXX dollars taken out to attend a XXXX  college back in XXXX. The bankruptcy was filed before they { student loans } could not be included in a bankruptcy. It was in I am thinking XXXX when they threatened to start garnishing my wages unless I started making payments. The amount of the loan with interest is now like XXXX dollars. I have learned through the media that XXXX XXXX XXXX has fraudulently charge loan holders of past loans and am hoping that you can help me to resolve this issue with this company, Thank you for your time in looking into this and hopefully giving me some kind of guidence in the steps I need to take next. Thank ou
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been contesting fraudulent ITEMS on my credit report. The items are not in dispute and have not been deleted from my report. The agencies appear to be ignoring the trend and allowing these false things to harm my credit score. I have demanded that an investigation be launched and that verifiable proof be provided if the things claim to be mine. I'VE HAD ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMEONE TO REALLY DO SOMETHING? LOOK AT THE ATTACHMENTS! THIS IS NOT ROCKET SCIENCE! You requested documentation, which I provided. AGAIN AND AGAIN! This is my last choice before I consult with my attorneys and file a lawsuit for full compensation and damages. Please remove. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2008 ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/2008 ; XXXX XXXX Balance : {$0.00}.
Product: Checking or savings account

Bank debit card used for fraudulent transactions with a chain of food stores in Michigan
Product: Debt collection

I payed this off I on XX/XX/2016 I want this off my account the store I payed was on Airline in XXXX XXXX XXXX TX please call to get this off my account thank you
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. The accounts that must be updated ae the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX2025 Consumer Financial Protection Bureau Attention : XXXX XXXX Bank of America  Acct # XXXX XXXX XXXX  XXXX Dear Sir/Madam : I am writing to express my concerns and frustrations with Bank of America 's failure to comply with the Web Content Accessibility Guidelines ( WCAG 2.0 ) and the Americans with Disabilities Act ( ADA ). As a significany visually impaired individual, I require large print asI requested from bank of america from the onset and clear disclosure to effectively manage my business account. 

Previously Recorded with Bank of America XXXX id # XXXX on XX/XX/XXXX! 

Unfortunately, Bank of America 's website and business engagement service have not provided me with the necessary XXXX accommodations. Despite my requests, they have failed to provide clear and accessible disclosure regarding the structure, setup, and fees associated with my XXXX account. 

To make matters worse, Bank of America has charged me {$16.00} for No apparent service rendered, without proper clarification or acknowledgment of my XXXX status. This is particularly concerning, given that my initial deposit was only {$100.00}. 

I respectfully demand that Bank of America credit my account for the unauthorized charge and take immediate action to ensure their website and customer service comply with the XXXX XXXX and XXXX guidelines. 

Furthermore, I intend to withdraw all my funds from Bank of America, effective immediately, due to their failure to provide adequate services and accommodations for customers with XXXX XXXX. 

I would appreciate it if you could hold Bank of America Accountable on these matters and take necessary actions to ensure that Bank of America complies with the relevant regulations and provides equal access to customers with XXXX. 

Thank you for your attention to this matter. 

Sincerely, XXXX SXXXX XXXX XXXXXXXX Previously Recorded with Bank of America XXXX id # XXXX on XX/XX/XXXX cc : Boa credit {$16.00} fee | XXXX id # XXXX XXXX {$15.00} boa Boa  XX/XX/XXXX credit {$16.00} fee | XXXX id # XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my third time addressing this matter, I am writing to formally dispute the inaccuracies associated with my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as reported by Equifax. This account appears to have numerous discrepancies that do not accurately reflect my payment history or account status. 

Discrepancies Noted : Reported Balance vs. Status : The account is classified as PAYS AS AGREED with a reported balance of {$0.00}, yet it also shows a charge-off amount. This inconsistency creates confusion regarding my obligations. 

Payment History Discrepancies : The history indicates that the account had 30 days past due in previous years ( 2020 ), conflicting with its current pays as agreed status. This misrepresentation negatively affects my credit score. 

Date of Last Payment : The date of last payment is recorded as XX/XX/year>, with no payments reported since. If the account is indeed closed and has a XXXX balance, it should not reflect ongoing delinquent status. 

Inaccurate Delinquency Reporting : The account is marked with delinquencies even though it is reported as closed. If it has been paid and closed, these delinquent statuses should be removed. 

Credit Limit Discrepancies : The reported credit limit of {$520.00} with available credit of {$0.00} raises concerns about the clarity and accuracy of the account 's management. 

Misleading Comments : The comment Closed or paid accountXXXX balance contradicts the reported delinquencies, creating confusion about the account 's actual history. 

No Recent Activity : With the last activity dated XX/XX/year>, the account should not continue appearing on my report. If it has been paid and closed, it should be marked accordingly. 

Lack of Clarity in Reporting Terms : The terms frequency is labeled MONTHLY without a clear relationship to the 24-month term duration, which adds to the confusion regarding payment obligations. 

Given that this is my third attempt to have these discrepancies resolved, I am requesting the immediate removal of the late payment that was reported in XX/XX/year> Please conduct a thorough investigation into this matter and correct the inaccuracies at your earliest convenience. I appreciate your prompt attention to this issue and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with Equifax for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a  loan because of this.. 

DPT EDXXXX XXXX ; DPT EDXXXX XXXX ; DPT EDXXXX XXXX ; DPT EDXXXX XXXX ; DPT EDXXXX XXXX ; DPT EDXXXX XXXX ; DPT EDXXXX XXXX ;
Product: Student loan

I have a loan with DEPTEDNELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and DEPTEDNELNET with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX.
Product: Debt collection

A debt to XXXX XXXX in XXXX was owed after they sent a final bill to a prior address. Unbeknownst to me, a balance was due and ended up in collections. I contacted Eastern Account and paid the debt In XX/XX/XXXX and requested a pay to delete, the representative stated that the account would not show up on a credit report as the amount was paid and settled. On another occasion on XX/XX/XXXX, I contacted Eastern Account and requested a delete from my credit as it had been settled and was met with hostility ; they denied request and denied my requests to speak to a supervisor regarding the matter as the debt had been paid.
Product: Credit reporting or other personal consumer reports

How is this account a lost to The bank when they didnt issue any funds to my account It was a credit builder account a secured account.Where I paid no money to start I only paid monthly payments they did give me a credit line for me to use.So how is it a charge off or lost to the bank .I will be filing a federal lawsuit this crazyThe account was closed due to a hardship I wasnt working .I will see this bank in court This is a clear violation of FCRA
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing in regard to the above-referenced accounts and transactions. This vehicle was repossessed by XXXX XX/XX/XXXX/ Account info Account number XXXX Balance {$6900.00} Balance updated XX/XX/year>2024 ( Original Creditor ) in the State of Alabama XXXX on or, and resold on or about DATE. 
Under the laws of the State of ( Alabama ) UCC and State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC Article 9 remedies. 
Sincerely, XXXX
Product: Debt collection

I am writing to address the alleged late payment you reported to [ Experian/XXXX/XXXX  ] XXXX which you have claimed is either accurate or verified. My prior dispute, however, was not a request for validation but for the specific documentation required to substantiate this late payment. Your response is insufficient, and I am requesting a detailed explanation of how this information was verified.

Timing of Payments 15 U.S. Code 1666b Under 15 U.S. Code 1666b, a payment can not be reported as late unless : 1. The periodic statement was sent at least 21 days before the payment due date.

2. The statement included all required information per 15 U.S. Code 1637 ( b ).

To ensure compliance, I request : Proof the periodic statement was mailed or delivered, including tracking or delivery confirmation.

Confirmation that the statement met all requirements under 15 U.S. Code 1637 ( b ).

Evidence the statement was sent at least 21 days before the payment due date. 

Without this proof, reporting the late payment violates federal law.

Accuracy of Reporting 15 U.S. Code 1681e ( b ) Under 15 U.S. Code 1681e ( b ), consumer reporting agencies must ensure the maximum accuracy of reported information. To consider this late payment verified, you must provide sufficient evidence to prove its accuracy.

Responsibilities of Furnishers 15 U.S. Code 1681s-2 As per 15 U.S. Code 1681s-2, furnishers must : 1. Conduct a reasonable investigation upon receiving notice of a dispute.

2. Review all relevant information provided by the consumer.

3. Respond within the 30-day period required by 15 U.S. Code 1681i ( a ) ( 1 ).

4. Correct any inaccuracies and notify the consumer reporting agencies.

You have failed to provide required documentation or conduct a reasonable investigation. This failure violates 15 U.S. Code 1681s-2.

Procedure for Disputed Accuracy 15 U.S. Code 1681i Under 15 U.S. Code 1681i, if disputed information can not be verified, it must be removed from the consumers file. Continued reporting of unverifiable or inaccurate information also violates 15 U.S. Code 1681s-2 ( a ).

Request for Deletion Given your failure to provide adequate verification, I request the deletion of the following entries from my credit report : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card Status : Charged off ( {$12000.00} written off and past due as of XX/XX/XXXX ). 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I expect a resolution within the legally required timeframe. If the information can not be verified, it must be removed from my credit report immediately.