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

I am writing to express my concern regarding the disputed accounts on my credit report. Despite raising the issue of inaccuracies multiple times and consistently requesting thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my XXXX XXXX. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXXXXXX XXXX
Product: Student loan

Nelnet takes 2hours every time to get ahold of. Each time ( 3 times ) Ive gone thru the process, their customer service rep tells me they cant correct the amount on my bill that I owe - despite knowing what the amount is- so I am left hanging, ready to pay but I cant because the new plan isnt showing on the website! Its been 3 weeks of this and they still havent corrected. I dont want this to go into next month when payments are due and I am negligent because I have been working hard to get this set up.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian and XXXX XXXX XXXX ( XXXX ) due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Both entities have failed to comply with federal laws by reporting inaccurate information, failing to investigate disputes, and not responding to debt validation requests within the required timeframe. 

Details of the Complaint XXXX. Failure to Investigate Credit Dispute ( FCRA 611 ( a ) ) On XX/XX/year>, I formally disputed the validity of an account reported by XXXX XXXX XXXX on my Experian credit report. 

Experian and XXXX failed to provide verification or remove the disputed account within the XXXX timeframe mandated under FCRA 611 ( a ).

2. Inaccurate Reporting of Debt ( FCRA 623 ( a ) ( XXXX ) ) XXXX failed to notify Experian that the account is disputed, violating FCRA 623 ( a ) ( 3 ).

Despite the dispute, Experian continued reporting the account without proper verification.

3. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) My request for debt validation was sent to XXXX XXXX XXXX ( Tracking # XXXX ) and Experian ( Tracking # XXXX ) on XX/XX/year>. 

XXXX did not respond within the 30-day required timeframe, violating FDCPA 809 ( b ).

4. Pattern of Non-Compliance by Experian The CFPBs previous complaint against Experian highlights a pattern of failing to correct inaccuracies and investigate disputes properly.

My case mirrors the past CFPB complaint findings, reinforcing that Experian continues to ignore dispute resolution responsibilities.

Experian 's systemic issues with dispute handling and data accuracy warrant further investigation and criminal liabilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim for identity theft. I recently checked my credit and found fraudulent accounts on my report. The following fraudulent accounts are 1. XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX ) The following account is fraudulent, Ive never done business with this company or entered into a signed contract. 

2.. XXXX XXXX ( XXXX XXXX XXXX ) {$590.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract 3. XXXX XXXX XXXX {$610.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract. 

The following inquiries are XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a living human who has rights under 15 USC 1681.

Equifax is also governed by 15 USC 1681, and they have violated my rights tremendously. I am sending this complaint demanding that these accounts be removed. Under the law/rights of rule 15 USC 1681 , I have rights to privacy and I did not give Equifax permission to furnish these accounts. 

I am listing the following accounts below : * Acct no 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Multiple Wells Fargo XXXX cardholders I personally know have been attacked with fraud. Wells Fargo is failing to acknowledge that it is a widespread issue and has no guarantees as to future security.
Product: Credit card

I am disputing the collection account with XXXX XXXX account number XXXX dated XX/XX/year>, with a balance of {$3200.00} This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Vehicle loan or lease

I reported that due to a XXXX  emergency, I would be moving and jobless, unable to pay for my loan on XX/XX/XXXX. I was informed that I would get an email with the paperwork needed to submit the voluntary repossession to Exeter after the holidays. I have not received any email, and the charges keep accruing. I called today, XX/XX/XXXX, to inquire about the email I have not received and the company stated they are unable to give me a timeline for their process. I explained that it was not fair that I would continue to be charged for the vehicle that I had already reported to the need to be voluntarily repossessed due to a XXXX  emergency, and there was no regard for the financial distress this would put me in.
Product: Mortgage

Service 1st mortgage claims to help veterans but what they actually are doing is ripping them off with outrageous fees. They also solicit borrowers within 3 months of closing on a refinance to try and refinance again. ( Churning ) Also they have individuals who work on loan files with private information ( credit report, income documentation and social security number ) The files are not stored in locked file cabinets and they are scattered everywhere and not stored away. Also Loan officers do n't sign any of the applications or any other documents pertaining to their loan that they originated. Employees are not paid overtime when they exceed XXXX hrs and no benefits with employees. This company is a compliance office dream! They should be shut down
Product: Money transfer, virtual currency, or money service

i am writing to express my concerns of zelle handling of disputes in light of recent lawsuits. despite using zelle and reporting numerous discrepancies my bank and zelle failed to investigate my claims. they told me that recovering lost funds was impossible. the cfbs finding have left users vulnerable to scams
Product: Debt collection

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX acct # XXXX, XXXX acct # 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 reporting or other personal consumer reports

I originally opened an XXXX XXXX ending XXXX in 2022 which had a {$1000.00} initial credit line. In 2023 I learned XXXX bought XXXX and to prepare for the acquisition, they began updating the card numbers, which caused the original account to change to XXXX XXXX. My card stayed under XXXX XXXX until XX/XX/XXXX2023 at which time XXXX replaced the card with their own, however the account number ending XXXX remained and has remained the same. XXXX stopped being reflected on my statements in XXXX  2023, in XXXX  2023 XXXX  branding took over. However, in XXXX  2023, I decided to open A NEW CARD directly with XXXX  to help build the relationship. I was approved and issued XXXX XXXX ending XXXX which started and has remained with {$800.00} limit. That card is reporting and has reported since its opening. My issue is that my credit report HAS NO RECORD of the XXXX XXXX account whether you start from 2022 OR after the merger in 2023. Thats XXXX whole years of credit activity that is missing COMPLETELY. I just pulled my CR on XXXX and there isnt even a closed account under these details from XXXX or XXXX. I am trying to repair my credit and this has actually lowered it significantly. I demand that XXXX immediately update their records with ALL XXXX Bureaus with the correct and accurate info for XXXX XXXX XXXX starting from 2022 and going thru current date and onward. I have tried getting them to do this directly but they made me send a request and my CR but can not tell me when or how they are going to fix it. I called them on XXXX and XXXX and XXXX but they are unable to provide any information other than and I quote - WE REPORT TO ALL BUREAUS AND YOUR INFORMATION IS REPORTED AFTER EACH STATEMENT IS RELEASED, WITH THE NEXT ONE DUE XXXX. That can not be correct because I have XXXX years of statements online I can pull and NOT one has shown up on my CR at any time. I have also hired a credit repair company that has sent validation to the bureaus and Ally has failed to update ANY information as legally required under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears on my credit report through ( rental credit and the XXXX, equifax.com and XXXX that I have a civil action form possession open through a court from XXXX XXXX XXXX XXXX this was placed into the bankruptcy in XXXX. but they keep reporting this information
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX DOB : XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX  Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, {$4500.00} was withdrawn from my Zelle account and transferred to an individual I do not recognize or have any association with.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Debt collection

I am writing to bring specific in consideration in my credit report to your attention, specifically pertaining to billing errors as outline in 15 U.S.code 1666 ( B ) under the billing error category the creditors failed to accurately reflect the payment made by obligator or credit issued to the obligator on a statement a compulsion error are similar accounting error made by a creditor on a statement. Its my knowledge that the creditor fail to furnish me with the statement 21 days prior, which ought to render any ramifications of late payments regarding the link accounts, I am in pursuit to concrete evidence from the creditors bank records that will support the assertion that I failed to make a payment, resulting in and erroneous designation as late a sign of invoicing error. therefore, I am request subsequent entries be promptly updated on my consumer report to reflect their current status as follows paid as agreed my total removal
Product: Credit card

I have been a credit card holder at Target for more than XXXX years. During that time I have always timely paid my bill without fail. My small credit limit of {$500.00} means that every time I use the card for more than {$100.00} I in effect negatively impact my credit score. I have made several requests over the last few months to have them raise my credit limit and all I am told is that they have a policy that they review accounts on an ongoing basis. However I should update my income which I did in early XXXX, early XXXX and the latest on XXXX XXXX and I would hear within 75 days only if the increase is granted. 
However after numerous calls I have not been notified of any increase and have received no notification that the increase was denied or for that matter even considered because no notification was ever sent. 
I have made several calls and no one will give me this information but they propose that as a solution to impacting my credit score I do XXXX or XXXX of the following:XXXX File for a debit card and in effect give target an interest free loan. 
XXXX. Pay my bill immediately after shopping in the store even though the monies are not due for weeks depending on at what point in the billing cycle I hit. 
Certainly target the right to deny credit to any customer that does not qualify but I would think that they also have a legal obligation to appropriately notify a customer whether or not a request for a credit increase was denied and also the reason. Frankly I feel that Targets failure it appropriately notify me is in effect a form of discrimination because this failure does not offer me the opportunity to determine if credit is being denied for an inappropriate reason and I am indeed being discriminated against.
Product: Consumer Loan

I opened a business checking account at Wells Fargo in XXXX, Florida and two months later I received a credit card with a limit of {$10000.00} which I did not request nor authorize. My business started to fail so I started to use the card and ran the {$10000.00} credit limit to max. Today I owe {$8500.00} and feel trapped and paying for something I did not sign for.
Product: Credit reporting or other personal consumer reports

Heres a professional dispute letter you can use to address your concern with Equifax : [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX, XXXX, XXXX ] [ XX/XX/2025 ] Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of Unauthorized Inquiry To Whom It May Concern, I am writing to formally dispute an unauthorized inquiry that appears on my credit report. The institution XXXX XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with the phone number ( XXXX ) XXXX, conducted a hard inquiry on my credit file without my authorization. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Internal Revenue Code 26 U.S. Code 7213, I am asserting my legal rights and requesting the immediate removal of this unauthorized inquiry from my credit report. I have no record of granting this institution permission to access my credit information, and the inquiry is therefore unlawful. 

Please take the necessary steps to investigate this matter. If you find that this inquiry was conducted without proper authorization, I respectfully request its immediate deletion from my credit file. Attached to this letter are copies of my identification and proof of address to assist in verifying my identity. 

Additionally, I request that you provide me with written confirmation once the inquiry has been removed or details of your findings if you determine otherwise. 

Thank you for your prompt attention to this matter. If you require further information or documentation, please do not hesitate to contact me. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Mortgage

My automatic payment was returned as I didnt have enough funds in my checking account. I received no notice or warning of this after it happened. I only became aware of the situation nearly a month later when logging into the online portal for another reason. At this time, I contacted Carrington, who stated that I was not behind on payments and was not in default in any way. I inquired about making up the missed payment, and was advised that it had been corrected. 

A week later, I received notice of intent to foreclose from Carrington. I contacted them again at which point I was notified that while I was not delinquent, they did consider my payment later and that it would be reported to the credit bureaus. I asked again about the status of my account and was told I needed to make an additional payment to bring the account current. 

During this time, I was in the process of obtaining a debt consolidation HELOC, which has now been denied because Carrington reported me as have a late payment after telling me just a week before that I was not in arrears. As a result, I am now in a very bad situation where I no longer qualify for any type of loan because of their record on my credit report and am now being told I have to pay a double payment or theyll continue reporting me as late each month forever.
Product: Checking or savings account

My account was hacked and someone was able to change my pin number. They also emptied my savings account into my checking account. They spent XXXX dollars at XXXX in XXXX New York. I live in XXXX Texas so that is about XXXX miles away from me. They also spent XXXX at XXXX XXXX  and tried to spend XXXX dollars at XXXX. Chime ( XXXX ) declined the charges at XXXX and also refunded the XXXX from XXXX XXXX. They recently sent me a email saying they denied my dispute of the XXXX dollars at XXXX. I have never even been to New York and I actually made a purchase on my credit card I have with chime less than XXXX minutes before these charges occurred.