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

I am formally submitting this CFPB complaint just to notify you about the late open account upon checking it in in my credit file. I found out that the charge off and late/closed accounts still on my credit file which are appeared as late, the fact is, I've been paid it already. I dont even know why there's a charge off account in my credit file. I have carefully reviewed my credit report from your agency and have identified errors that I believe require immediate removal. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have carefully made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. With your assistance, these charge off and late/closed accounts should be removed in my credit file immediately 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 reporting, credit repair services, or other personal consumer reports

A Method of Verification letter was mailed certified to Experian XX/XX/2020 requesting them to verify the inaccurate bankruptcy they have listed in my credit report. The letter was delivered to Experian on XX/XX/2020. They replied and said verified without providing me their method of verification as I requested. I mailed a 2nd certified letter to Experian XX/XX/2020 requesting them to delete the inaccurate bankruptcy and have not received a response. Experian has not provided me any information on who or how this inaccurate bankruptcy was verified to be my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've previously disputed inaccurate accounts with Transunion several times over the past year via XXXX Certified Mail. While some items were corrected some items still remain inaccurate see attached dispute letter .... This specific account XXXX XXXX is recorded in negligence and needs to be removed. I've been disputing this XXXX XXXX account for over a year now with Transunion, this account Re-Ages every month when this collection agency falsely states that this account is verified and shows an inaccurate OPEN account status. This is inaccurate reporting. Transunion remains in non-compliance.
Product: Student loan

XXXX XXXX claimed they would be able to help with my student loans, they claim that they could take over my student loan payments, saying that they could lower my payments, and make them as low as {$45.00} per month. This all took place in XX/XX/XXXX. They then told me until my file was reviewed I would have to make a monthly payment of {$130.00} that was going towards my student loans. Every month on the XXXX, this was taken out of my account by automatic withdraw. I continued to make these payments until XX/XX/XXXX, when I came to find out that my file was still not reviewed and was not going to be reviewed anytime soon. Upon calling and making a request as to why it was not taken care of, I was given the run around and no answer was given. They also withdrew the funds earlier than what was agreed upon. I even tried to cancel the service, but I was unable to because of the run around I would get and all the processes I would have to go through to get it taken care of. This would lead to promises that my file was under review but as the next month came around it was still in the same spot as last month, and my student load debt was not going down any. I was finally able to end services in XX/XX/XXXX, but I received a letter shortly after that, from Navient Student Loan Services, saying that they hadn't received a payment from me. When I called them and explained the situation they said they had no record of XXXX XXXX contacting them to set up any kind of arrangements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/scrub> 2025 Subject : Formal Dispute regarding inaccurate information on my credit report. 

Dear Equifax, TransUnion and Experian I am Writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian and Equifax for failure to properly investigations consumer disputes, citing sham Investigations and other unlawful practices. These practices, as outlined by the CFPB, Includes : 1.Conducting inadequate investigations that fail to address consumer disputes properly.

2. Reinserting previously disputed and inaccurate information without explanation.

3. Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumers protection and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my disputes may be mishandled in a similar manner.

Please review the inaccurate information being reported : 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX inquiry 5. XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

They are just holding money in my Venmo account. Suspended me and wont tell me why and I need that money to pay bills
Product: Mortgage

I refinanced my FHA mortgage and the previous mortgage company charged me additional fees after refinance went through. They also have not released the escrow money that should be refunded to me. I spoke with a rep with their company today XX/XX/19 and all they can tell me is they do not know and it might be a coding error.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX  and I do not have a contract with WAKEFIELD plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX
Product: Debt collection

Please find attached, along with XXXX supporting attachments, my Formal Direct Dispute of XXXX Account XXXX. : XXXX XXXX XXXX XXXX and its corresponding Receivables In Case Of Portfolio Recovery Associates , LLC ( formerly known as ) PORTFOLIO RECOVERY ASSOCIATES, L.L.C., dated XX/XX/XXXX.
Product: Checking or savings account

{$5000.00} dollars sent on XX/XX/year>, the thing is they say they ( crypto.com ) can not do nothing about it to the other party the money went to because I authorize it.
Product: Credit reporting

Default judgement signed on XXXX/XXXX/2016. First payment to be made assuming in XX/XX/2016. Employer received wage with holding order sometime in XXXX ( did not come registererd mail for accurate date ). Order dated XXXX/XXXX/2016. Funds were collected from XX/XX/XXXX-XX/XX/2016 pay period. The information placed on my credit bureaus are inaccurate as well as different depending on which bureau. Contacted the attorney general of TX to discuss. They insisted local office would have information pertaining to resolutions of this matter. Local offices suggest the Texas AG main office and have not provided anything further than what I received from the main state office. This should not be in my bureau and accurate data and time of payments due should have been correct prior to reporting this to all bureaus. I never received notification until I pulled my bureaus this was being reported. I have attached bureaus, wage with holding order received by employer, email documentation asking for resolution and clarifications, etc.
Product: Mortgage

I own 5 rental homes and have mortgages on all five ( with three different mortgage companies ; New Rez/Shellpoint XXXX XXXX XXXX XXXXXXXX XXXX and XXXX ). 

XX/XX/XXXX- my insurance company, XXXX XXXX, sent each mortgage company a declaration page covering all five homes in the amount of {$4900.00}. After sending out the main declaration page for all five homes, my insurance agent ( XXXX with XXXX XXXX XXXX XXXX XXXX ) immediately sends the mortgage companies a breakdown of how much to pay towards each home ( between $ XXXX {$1000.00} per home ). 

Each mortgage company pays the insurance premium then, recalculates the escrow based on any increases in taxes and insurance from the previous year. This has been set up between my mortgage companies and my insurance company, in this way, for 15+ years. 

Note : New Rez/Shellpoint holds the mortgages for three of my five rental homes. They paid the correct amount of insurance on two of the homes but on the third home they paid the master total of {$4900.00} for all five homes. 

XX/XX/XXXX, I received a check for overpayment from my insurance company. I immediately contacted New Rez and told them to put it back into my escrow so I wasn't short. I paid the overpayment directly back into escrow over the phone. 

XX/XX/XXXX I received an escrow analysis stating they are increasing my monthly mortgage payment due to an increase in my homeowners insurance and shortage of escrow. 

Summary : New Rez made an incorrect payment into the escrow of one home causing that mortgage to increase by $ XXXX. I have been making weekly phone calls trying to get this resolved since XX/XX/XXXX. With each phone call I am told they would be getting a new declaration page from my insurance agent at the number verified XXXX, and will issue a new escrow analysis within a few days. 

I have the names, dates, times, and notes of every phone call. I have a record of agents opening a ticket then closing it the next day without any changes being made. I have agents calling themselves Supervisor when they were simply a team lead who couldn't come to the phone upon a follow up phone call the following week ( supposedly only supervisors are able to take calls ). 

This, along with my social security income, is my retirement income. I count on the money I get from the rent on these houses. A {$400.00} a month increase in my mortgage will bankrupt me within the year. Someone needs to make the corrections necessary to fix this problem before my next payment is due XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I just reviewed my credit report on XXXX XXXX and found that there is an unknown hard inquiry made on XX/XX/2018 which I did not authorize. 

Please resolve this issue. 

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

I am writing to formally request the immediate blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. I have been a victim of a data breach, which compromised my personal information, and the entries detailed herein are fraudulent.

Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this information blocked from my credit file. 
XXXX Accounts : XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$32000.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$15000.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$2100.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$270.00} Unauthorized Inquiries : XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : LVNV FUNDING LLC Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Home owners insurance policy renewal reflected increase in premium as a result of credit report from trans union however after checking with trans union my credit report is perfect as it has been for decades. They advised that XXXX XXXX XXXX. is using a third-party agency as they have no record of them checking. Many calls to Insurance company but they will not acknowledge the problem or make any attempt to fix the problem. Basically ignoring telling me to pay the higher premium or move on to another company.
Product: Credit card or prepaid card

I notice someone open a credit card in my name with balance of {$910.00} that I had no idea of
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information 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 U.S. Bankruptcy Court : Account number : XXXX, XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX : Account number, HAWAII XXXX : Account XXXX XXXX XXXX, XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX XXXX XXXX : Account number : XXXX, and XXXX XXXX XXXX : Account number : XXXX. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being 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 the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed that there is a collection negative item on my report from XXXX XXXX XXXX - that account has been closed all merchandise was returned and there should not be an amount owed noticed LVNV Funding LLC has this account should be removed / deleted been an ongoing issue
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states, '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and TransUnion are consumer reporting agencies and I am the Consumer.

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' A financial institution by definition under that title.15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX, XXXX, and TransUnion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and TransUnion whether it be verbal, non-verbal, written, implied or otherwise is now revoked.

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Never informed me of my right to exercise my nondisclosure option.

Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and TransUnion are not maintaining reasonable procedures. 

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Also 15 U.S. Code 1681a ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal
Product: Vehicle loan or lease

Eight weeks ago I returned my XXXX BMW 328i car to BMW financial services for the end of lease. I had to pay {$8600.00} in excess mileage charges since the mileage on the lease was over 40,000 over the maximum allowed miles. ( BMW lease # XXXX ). 

I also own a XXXX BMW X3 which I purchased new, and used to drive to work every day. I average over 30,000 miles per year. 

I did not drive the XXXX BMW since last XXXX due to the fact that there were three unresolved recalls on this X3 which I thought would make it dangerous to drive 120 highway miles every day to work with another passenger in the car. Additionally, this model car had unreliable transfer gear box parts which made it even more dangerous to drive.As a result, I drove over 30,000 extra miles on the XXXX BMW 328i during XXXX and incurred over {$8000.00} fees in excess mileage. 

I request that BMW refund me the {$8600.00} in excess mileage fees that I paid to BMW Financial services due to the amount of time it took BMW to resolve these recall issues, making it dangerous to drive the X3.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I sent a certified letter to the Credit Bureau disputing a debt account reported by XXXX XXXX ( original creditor : XXXX ) on my credit report. I specifically stated that the collection agency, XXXX XXXX, was unable to verify that I owed the debt. I requested that the Credit Bureau investigate and remove the account if it could not be verified. 

Despite my dispute, the Credit Bureau failed to accurately investigate and remove the unverified debt. 

In XX/XX/year>, I sent another letter to the Credit Bureau Name, reiterating my dispute and informing them that I would pursue legal action under the Fair Credit Reporting Act ( FCRA ) if they failed to correct the inaccurate information. I specifically requested that Credit Bureau provide documentation to verify the debt, but they failed to do so. 

Credit Bureau has continued to report the unverified debt on my credit report, despite my repeated requests for correction and my warnings of potential legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX, XXXX, XXXX, Equifax, & NJ Attorney General A XXXX credit card was fraudulently opened in my name in XXXX XXXX. In XXXX XXXX I reached out to XXXX to inform them of this matter once I seen it on my XXXX credit report, they agreed to close the account. XXXX, XXXX, & Equifax removed the fraudulent account from my credit report however, this month it illegally reappeared on my credit report although the account was closed in XXXX due to fraud. I really need this fraud account removed from my credit report because I never opened this account. I submitted this report to FTC and CFPB. Someone please reach out to me so we can handle this illegal issue soon because I will soon be reaching out to my lawyer.By law, this account can not continue to be on my credit report if the account was not opened by me. Thank you. XXXX account ending in XXXX. Closed XX/XX/XXXX. Also, the account is inaccurately reporting that it was closed in XXXX XXXX which is also illegal. This account was closed in XXXX with a {$0.00} balance. All of a sudden the account is reappearing 6 months later with a balance of {$2300.00} which is false. This account was paid off at closing. I have 2 other accounts with XXXX in which I opened myself 4 years ago and I was making payments to this account as well which I was unaware of. Every time I submitted a payment, I was also paying off this account, unaware that I was paying a 3rd account. This account was paid off at closing on XX/XX/XXXX. That also need to be corrected. This whole account is inaccurate in many different ways which is illegal. I will not submit anymore payments to this illegal account and I need it removed from my credit profiles and investigated individually by each credit bureau and the Attorney General immediately. I also need the date of closing corrected to XX/XX/XXXX with a {$0.00} balance. I have not received a statement for this account since XXXX. All of a sudden a statement appeared in XXXX with {$2300.00}. I do not want to receive anymore statements for this account. I do not want to be harassed by XXXX regarding this account. They keep accusing me of opening the account after I continuously tell them that I did not open this 3rd account. I have made multiple payments to this account although I continuously tell them I did not open it. I have been told that this Is illegal and I will no longer pay them. I will handle this legally. Thank you.