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

I have sent letters to Experian regarding collections on my credit report. I previously disputed and they said they updated the information in which there wasn't an update reported. I then submitted a certified letter requesting if the debt was verified and documentation of how and with whom. I received and email saying my dispute has been updated but upon looking at my report there was not change at all and I have not received the information requested
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

I received a letter from First National Collection Bureau , Inc. ( creditor " XXXX XXXX XXXX XXXX, XXXX '' ) representing that I owe a debt to XXXX XXXX. I called FNCB, and a representative said it was a XXXX that I had opened in XX/XX/XXXX and closed in XX/XX/XXXX. I never opened a XXXX in XX/XX/XXXX, nor does such an item appear on any of my credit reports. When I contacted XXXX XXXX, they represented that, not only do they not recognize the account number included on the FNCB letter, but I never had an account with them, and further, that they only carry XXXX, not XXXX, and thus the debt could never have existed. 

I would like to note that, when I told the representative from FNCB that I dispute the claim, he asked what exactly I was disputing, and I told him that I disputed that the debt ever existed, and their representative said he would report it to the original creditor ( which is obviously impossible since the original creditor has no knowledge of said debt ). I doubt, therefore, that the employees of the company know that they are fraudulently attempting to collect on nonexistent debt ( s ).
Product: Debt collection

I was making my payments on time, I used to make payments in person, one day I went they had close the building And I went online and the website was close, I had no way of communicating with them, after 3 years I started getting phone calls, I already had lost my job but I could n't contact with Famsa I checked every way to contact them they all showed that they violated and had to close all XXXX in California.
Product: Mortgage

Unfortunately, I have not kept good track of all the calls I've been making to US Bank over the past year or so. Originally, I call to ask if my PMI could be removed once I reached 80 % LTV, they said yes but only with a paid appraisal or if improvements were made. They sent me paperwork to start the process, but it turned out that I could only remove the PMI if I paid {$600.00} for an appraisal. I had installed XXXX XXXX to the house, so I considered this an improvement and therefore thought I could waive the appraisal. I called them again, and one representative stated that XXXX XXXX are not considered an improvement, and another representative stated that even though it was an improvement I would still need to pay for the appraisal. Since my PMI is considerably low, compared to the cost of the appraisal, I opted to wait to reach the 78 % LTV as it was explained to me that it would automatically drop once it reached 78 % LTV because of the Homeowner 's Protection Act of 1998 ( PMI Cancellation Act ). When it reached 78 % LTV and I saw that the PMI was not removed, I decided to call them again to inquire as to why it was not removed. The representative at that time stated that the bank is not actually required to remove it at 78 %. The representative forwarded my request to the department in-charged of Mortgage insurance and I was told I should get a letter from them. When I got the letter, the letter stated that the only way I could have the PMI removed was if I paid to have the home appraised and if it appraised so that my LTV was 78 % or lower, or that I could just wait until XX/XX/XXXX which was the date my Amortization sheet stated that PMI would drop. Again, it didn't make sense for me to pay for an appraisal, therefore I opted to wait it out. XXXX comes and now I have the PMI premium being charged twice! There's a charge on XX/XX/XXXX, and another one on XX/XX/XXXX ( 2 days after I finally got a letter stating that the PMI was terminated and that no more premiums for PMI will be charged ). I called again, the best the representative could do is have the department send me a letter explaining the charges ( it was obvious to me that she was struggling herself to explain the charges ). I asked to be transferred to the department so that it could be explained to me clearly and she stated that they do not take customer calls and can not address me. I explained to her that it is very unfair the fact that there's no way for me to communicate with the people I need to communicate with to get this matter resolved. US Bank makes communication extremely challenging, and I believe they do this on purpose. There's no customer service email address I can send tangible communication to. There's no chat I can print transcripts from. And when I asked if I could go to a branch to communicate this matter in person, the representative expressed to me that the employees in the branch will not be able to help me in this particular case and that the best they could do is call the customer service number.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I applied for XXXX in XXXX XXXXXXXX as I'm currently living in XXXX XXXX  and have been since XXXX. I'm trying to relocate to XXXX due to a job transfer that I should starting in XX/XX/XXXX. When I applied I got denied so I called the apartment company and they said that I would have to request my credit report. from the third party they use for credit reports. I did and when I received my credit report I had two apartments on my credit in which I never lived at because I have never lived in XXXXXXXX XXXX. One apartment called XXXX XXXX XXXX XXXX owing {$18000.00} and one called XXXX XXXX XXXX owing {$300.00}. Those transactions are not mine and were never made by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. NAME OF ACCOUNT ACCOUNT NUMBER VERIFICATION XXXX XXXXXXXX XXXX Validate Account. 
XXXX XXXX I XXXX Validate Account.
Product: Credit reporting or other personal consumer reports

This account is showing a late payment which is not true. I have always paid all my debts on time, and this late payment error is damaging my credit score. XXXX is not correcting this error.
Product: Credit reporting or other personal consumer reports

This is my follow up to resolve this issue, and I am extremely frustrated with the lack of response and resolution from your agency. I have provided documentation and evidence of identity theft in my previous attempts to resolve this matter. I am requesting that these fraudulent entries be removed from my credit report immediately. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and respond within 30 days. I have no choice but to escalate my complaint to you and seek legal action to enforce my rights. These are the following fraud items I want to be remove immediately from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Good afternoon I apply for a Chase business credit card cash when submitting the application on XX/XX/2025 I run into a small problem. They told me that they need to review my application on XX/XX/2025. They send a secure a message to me stated that they need documentation from me so I provided the IRS tax papers and two bank statements, one from Chase the other one From XXXX XXXX XXXXXXXX then I call them. Theyre telling me that my business name spelled incorrectly on the application so I ask them can the application be corrected she told me no and tell me I need to go back and reapply. I asked her why should I go back and reapply that mean you guys will be running too hard inquiries on my credit report so you guys will have two inquiries on my credit report one of them need to be Remove. I explain to her if you can not verify me or my business you do not have the right to remain on the credit report, I know I made a small mistake by spelling property wrong, but that does not justify the laws. If you can not verify someone does not mean that you have to remain on their credit report and I have to go and refill application all over again because you can not correct a mistake that I made
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information that appears on my credit report. 
The accounts in question are XXXX Account # : XXXX, XXXX XXXX Account # : XXXX. Specifically, I have noticed the following errors : - The dates associated with this account have been altered without proper verification.

- The amounts owed reported are inconsistent with my original records Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are legally required to ensure that all information on a consumers credit report is accurate and verifiable ( 15 U.S.C 1681e ( b ) ).

Additionally, altering or reporting inaccurate information, including the dates or amounts, without proper verification is a violation of federal law.

As stated in 15 U.S.C. 1681i ( a ), when a consumer disputes information, the credit bureau must conduct a reasonable investigation and correct or delete any information that can not be verified. Furthermore, knowingly furnishing false information or failing to correct such inaccuracies could expose the furnisher or bureau to liability under 15 U.S.C. 1681s-2 ( b ).

I request that you immediately : 1. 2. 3. Investigate and verify the accuracy of the dates and amounts reported for this account.

Provide written confirmation of the sources and verification methods used.

Correct or delete the disputed information if it can not be substantiated. 
Enclosed are copies of relevant documents supporting my claim. Please note that these are provided as evidence and not as an admission of liability or ownership of the debt. 
If these inaccuracies are not resolved within the 30-day period required by law, I will consider further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies.

Thank you for your prompt attention to this matter. I look forward to your response within the statutory timeframe.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX Balance XXXX {$4200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

Capital One system went down on XX/XX/XXXX. That is the day I am supposed to receive my direct deposit from XXXX weeks of working. It is not XX/XX/XXXX, XXXX XXXX  XXXX and I still have not received my deposit. I am a student and can not afford to not have that money to access. This has affected my entire life just for two days of delay
Product: Credit reporting, credit repair services, or other personal consumer reports

M & T Bank did not notify me in writing of a delinquent mortgage or called which I was co-owner of. This end up on my credit report and I learned this by checking my credit scores.The original owner was my ex-wife which I was devorce for over 20 years. Now deceased. 

My question is, can I get this delinquency removed. from my account because they did not notify me. I assumed the mortgage and paid the outstanding payments and penalties. But my score went from XXXX to low XXXX. 

I called them 3 months ago after finding this on my free credit report.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Student loan

Sallie Mae enrolled my two private student loans in a modified repayment plan in XXXX of 2021 without my knowledge or permission. No document was sent to me notifying me of the change, and no documents were posted to the Sallie Mae site other than my statement referring to the new plan. The modified plan switched me to interest only payments vs. principle and interest payments, which if left as-is will cause me to pay an additional year 's worth of additional interest -- thousands of dollars. I didn't realize what was going on until XX/XX/2021 ~three months into the modified plan. I called Sallie Mae to get additional information and the first service representative I spoke with said it looked like I had been enrolled in a deferment plan before the line was suddenly disconnected. The second representative said the same, and told me that she'd ask for research to be done to find out what happened. I asked her to remove me from the modified repayment plan so that I could go back to making principle and interest payments. She said that she put in the request. I hope I'll receive some sort of confirmation letter or email but I suspect I'll be unenrolled from the modified repayment plan in the same undocumented manner I was enrolled. 

I have attached a statement for one of my loans prior to the change, and one after. Both of the loans I have with Sallie Mae are affected.
Product: Credit reporting or other personal consumer reports

i just want the company stop using my information the remove the inquiries on my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX I am writing to formally dispute an inaccurate entry on my credit report. The account with XXXX and account number XXXX. This inaccurate reporting is negatively impacting my credit report. I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that the account status is corrected. As per the Fair Credit Reporting Act, if the information is not corrected, the account must be removed from my credit report. I would appreciate your prompt attention to this matter and kindly request that I be informed of the steps taken to resolve this issue. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Collectors know my credit history and I did not give them any permission to have my medical history and they can not provide access from the medical company.They shouldnt have access and that's a violation under the HIPAA Act of 1996 which state, Generally your health information can not be used for purposes not directly related to your care without your permission.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX  XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported in to be removed.

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 21 days before the payment due date. 

XXXXXXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports Update the late payments to paid as agreed.
Product: Credit card

I have had fraudulent activities on my Citi bank Credit Card account. They have failed to assist me. They are supporting criminals/fraud operators, making derogatory comments, the most unethical and unprofessional language. I was harassed on the phone and cursed me. Upon request proof will be provided. 
Citi Bank needs to dispute those fraud charges and has to obey my country`s laws and regulations. Citi Bank STOP the crime!!!! Stop supporting Criminals and terror operators!!!