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

Knight Adjustment Bureaus is reporting an erroneous debt to my credit file. I never received a call or notice about this debt and that violates my 30 day right to dispute. I have called and paid off the debt and i requested they remove the debt as i did not receive a notice and they refuse. This is super frustrating as i try my hardest to maintain my credit and they added this collection without notifying me. I need this removed from my credit file ASAP.
Product: Credit card

Dear sir or Ma'am I requested clarification XX/XX/year> from Citi Card account number XXXX via written dispute inquiring how the minimum payment goes from {$1800.00} to {$2200.00} in a month cycle. 
Then XX/XX/year> after an inquiry for clarification I was notified by Citi Card account was charged off. I would like an opportunity to satisfy this obligation with a monthly payment plan.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern regarding the unresolved inaccuracies in my credit report. Despite multiple attempts to dispute the erroneous accounts, I have not received a satisfactory resolution or corrective action. These inaccuracies are negatively impacting my credit file and causing significant financial hardship. 

I kindly request that you conduct a thorough investigation into the reporting of the disputed accounts and take the necessary steps to correct and update my credit report. It is essential that these errors are rectified promptly to prevent further harm to my financial well-being. 

I urge you to address this matter with the utmost urgency and provide me with confirmation of the corrective actions taken. Your prompt attention and assistance in resolving this issue would be greatly appreciated. 

Thank you for your understanding and support.
Product: Debt collection

I was notified via email by my credit monitoring company of 2 new collections accounts added to my credit report. I disputed the items and this company sent a response back to the credit bureau saying the account info was accurate. I have never been to a XXXX nor am I the responsible party for these bills. This is fraud and the company needs to provide documentation to prove this is my responsibility.
Product: Credit reporting or other personal consumer reports

I have never filed bankruptcy this is a false reporting and needs to be investigated and removed immediately they never contacted the courts for this information so it is fraud by them reporting something that was never investigated properly
Product: Credit reporting, credit repair services, or other personal consumer reports

hi, i paid my entire XXXX XXXX debt off three months ago. it was {$600.00}. i sent the copies of the money order to transunionin in XXXX, PA immediately following. 
XXXX XXXX only raised my credit 100 points. my credit is supposed to increase 200 points. 
i called XXXX XXXX and i dout they are going to do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX account number : XXXX XXXX XXXX XXXX XXXX account number : XXXX US Department of EDU XXXX account XXXX XXXX XXXX  account number : XXXX XXXX  has failed to send verifiable proof to me that its balance is accurate. It has not been proved that the vehicle was neither leased to another party nor sold at a specific dollar amount. Credit Bureaus have not yet deleted this inaccurate information as requested twice. 

15 U.S.C. 1681 section 602 A states that I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 states that a consumer reporting agency can not furnish an account without written instructions.
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXX 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 XXXX XXXX XXXX. This error has caused XXXX XXXX to my XXXX, my XXXX, my mode of living and to my XXXX 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a XXXX to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A XXXX may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the XXXX has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


TransUnion Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


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


This is XXXX XXXX XXXX  and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts thats not mines, Ive sent the FTR report but they have not removed the items
Product: Debt collection

I left XXXX XXXX service from the XXXX on XX/XX/2023. I moved my family from XXXX, to XXXX. The rental we moved into was {$2500.00} a month. So we paid {$5000.00} up front which included the deposit and first months rent. I started my new job on XX/XX/2023. I had a XXXX XXXX on XX/XX/2023. I was picked up in an ambulance and rushed to the hospital where I had XXXX  XXXX. I was able to go home that night. However, I was not able to work for over a month, and when I returned to work I was working very short hours, and could not perform my job in the field while I was still recovering. I contacted my landlord within a few days after my injury to inform her that I was injured and out of work. I also informed her of the severity of it and that I would be late on rent. I have a wife and daughter, and I am the only source of income for my household. The landlord never responded, nor contacted me until XX/XX/2023 ( 11 days past due ). Her response was " Hi XXXX XXXX, I received your email regarding your XXXX rental payment. I have been out of town, however as of today your balance is still unpaid. As a result, we had to issue a 3 day notice to pay. See attached. Thanks! '' I was in disbelief that she disregarded everything I sent, and gave me that notice. I then communicated that I could furnish all medical documents if necessary. That did nothing for her. I then requested for her to work with me, and that we could be out of the house at the end of the month to avoid any eviction proceedings and so on. She agreed, and we were out as we said. Fast forward to now, I have paid any debts on my credit report preventing me from buying a home for my family, and then this collection appears on my reports. I was never contacted by the landlord again, nor this collection agency. I am now unable to purchase a home for my family due to this negative remark on my report. My XXXX XXXX and XXXX  XXXX was disregarded and I moved my family out of the home because I knew it would be a while until I was fully recovered. The amount showing on my report is {$6900.00}. I feel I have been wrongfully charged this unnecessary price, and it's wrongfully being put onto my report. What was I supposed to do? I know I did the right thing communicating on my end and moving out to prevent evictions. But this appears on my credit report, and without notice from the landlord, and the collections agency? I did my part on communication with the landlord on all matters.
Product: Checking or savings account

Dear Wells Fargo Bank, Thank you for your response to my XXXX claim, but I would like to further discuss the denial of my claim. Your response states that the transactions were made through a secured online banking session by me or someone whom I gave authorization to. However, I would like to reiterate that I did not give anyone permission to make this payment, and I have filed a police report and even undergone a lie detector test to prove my innocence. 

Additionally, when I contacted the bank, I was informed that all the XXXX accounts that the money was sent to have been disabled and that I was not tied to any of the emails registered under their XXXX. This suggests that my personal information was leaked, leading to someone sending the money from my bank. I would appreciate it if you could investigate the recipients ' accounts and provide me with more information to help clear my name. 

Furthermore, I want to emphasize that when the claims specialist called me, they informed me that my account was logged in from Texas and XXXX, despite me living in XXXX, Utah. The fact that my account was accessed from locations I have never been to before suggests that my account was compromised. I immediately changed my account username and password after being informed of this. 

In your response, you also mentioned that there was a history that the device that made the disputed XXXX transaction dated back more than 60 days, and that the same device was used after I changed my username and password without the online fraud claim assistance center. However, this does not prove that my account was not compromised and the money was sent to a strange account, as I have never authorized such transactions before. 

I kindly request that you take my situation seriously and investigate this matter thoroughly. I believe that I am not at fault, and I should not be held liable for any unauthorized transactions. Please let me know what further information or documentation I can provide to support my claim and help resolve this matter. 

Thank you for your attention to this matter. 

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

I never gave my written consent to pull my credit from the list provided blow. 

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

This account is still being reported to Equifax as an installment amount ; this car was refinanced by XXXX XXXX XXXX XXXX in XX/XX/2018 2018 The account needs to be moved to paid in full and closed. Its ruining my debt to income ratio.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a 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 and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is NOT 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. '' 700/XXXX XXXX XXXX is 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. '' 700/XXXX XXXXXXXX XXXX is the financial institution and the consumer reporting agencies of XXXX and XXXX do not have my consent to furnish this information written nor unwritten. Any and all consent to XXXX, XXXX and 700/XXXX XXXX XXXX XXXX XXXX be verbal, non-verbal, written, implied or otherwise is revoked. 
15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ". 700XXXX XXXX XXXX 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 seven 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 and XXXX are not maintaining reasonable procedures. Also, please note that 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 immediately and indefinitely.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

There are inaccurate late payments being reported on my credit report that need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to account with Discount Tire/Synchrony Bank  which was charged off and sold to a debt collector in XXXX. The debt collector was XXXX XXXX XXXX, XXXX. I paid the balance in full and received a letter confirming that my account was closed/paid in full on XX/XX/XXXX ( attached ). I have filed a dispute with XXXX to update my account. XXXX  only updated my account to show that it was placed in collection in XXXX of XXXX ( attached ), which makes matters worse. Additionally, XXXX  will not update my account information ( attached ). I have made all attempts to resolve this matter and will need further assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The public record listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( XXXX, and XXXX ), they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the public records below : XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/2019 Reference # : XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/2019 Reference # : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$990.00} XX/XX/2018 XXXX XXXX {$1100.00} XX/XX/2018 XXXX XXXX {$1400.00} XX/XX/2018 XXXX XXXX {$1400.00} XX/XX/2018 I have tried to reached out to this company many times but respond.
Product: Credit reporting or other personal consumer reports

RE : you violated the us code law TILA 15 u.s.code 1666 ( B ) billing Recently I checked my credit report and noticed multiple billing errors under 15 u.s. code 1666 ( B ) ( 4 ) the creditor failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor ( 5 ) a computation error or similar error of an account nature of the creditor on a statement As I know the creditor didn't notify me 21 days before with a statement so there should be no late payment on this account.i demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error.
Product: Student loan

I paid {$260.00} for my first bill that was due XX/XX/XXXX and my payment was adjusted to {$26.00} per month starting XX/XX/XXXX. I tried calling MOHELA before XXXX to verify my payment as it was unaffordable but I was unable to contact any representative. I want to request a refund for the incorrect amount I was asked to pay in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


These are the accounts that I have marked inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The selection above does not match my complaint exactly. They contacted me during the inappropriate hours. 

Contacted me at : XXXX on XXXX/XXXX/2016 XXXX on XXXX/XXXX/2016 In spite of the Fair Debt Collection Practices Act and the Rosenthal Act in California, where I live, receive calls during inappropriate hours. These calls can be coumented on my XXXX account. The calls were from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a charge off account with XXXX XXXX. On XX/XX/2019, I paid the last installment to finish paying the account in full. The balance owed is at {$0.00}. The XX/XX/2019 status stated that the account is still derogatory and charged off. The derogatory remark should be removed and the account status should state paid in full.
Product: Debt collection

I RECEIVED AN UNSOLICITED TEXT MESSAGE FROM ALLEGIANT CAPTITAL ON XX/XX/2023 STATING XXXX XXXX THIS IS ALLEGIANT CAPITAL. PLEASE CONTACT US AT XXXX. I KNOW A XXXX XXXX, I FIGURE THEY MUST HAVE BEEN SKIP TRACING. I BELEIVE THAT ALLEGIANT CAPITAL HAS VIOLATED THE TELEPHONE CONSUMER PROTECTION ACT. I DID NOT GIVE THEM PEREMISSION TO TEXT MY CELL PHONE. THEY ARE SENDING MESSAGES WITHOUT MY CONSENT.
Product: Credit card

Hello, I am experiencing a serious issue with my Comenity Bank account that I believe involves fraudulent activity. The problem began when I noticed that the payments I had been making for the past year and a half were being erased due to accrued interest. Upon contacting Comenity Bank, I was informed that my account had been closed last year at the request of the account holder. However, I did not request the closure, and when I asked what verification steps they took to confirm my identity, they stated that it was too long ago to track. 

They explained that the account was closed with a balance, which is why the interest continued to accumulate and cancel out my payments. To my surprise, Comenity Bank has been reporting the account as open without notifying me that it had been closed with a balance. For the past year and a half, I have been paying {$50.00} a month for an account that was effectively closed. If I had been informed of the closure, I could have clarified that I did not request it, and we could have worked out a solution. 

Feeling taken advantage of and frustrated by the situation, I paid off the balance in full and requested a closure letter to confirm that the account was closed. They assured me that I would receive the letter and that the account was indeed closed with no outstanding balance. However, a few weeks later, the account remains open and continues to accrue interest. 

I called again to request that the account be closed and the interest charges stopped, but I have only received the runaround, and the account is still being reported as open to creditors. Despite not owing anything, they refuse to close the account, and I am at a loss for what to do next. 

I appreciate any assistance you can provide in resolving this matter. 

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

My brother and I have been trying to untangle our credit reports for about 12 years. The last attempt I made was in the Fall of XXXX. For some reason, and we believe it is the fault of Equifax, my credit and his credit are being reported under the same person. The report shows that he and I are aliases for one another, however neither of us have ever used each other 's name as an alias. We have spent hours trying to correct this, and we have tried at least two different times each to correct this over the last 12 years. The company simply does nothing. I am trying to buy a house and I can not because his mortgage and car loans appear on my report.
Product: Credit reporting or other personal consumer reports

FCRA 605B seems to say we need to erase any errors from my credit report. Can you see if there are any mistakes in the documents? Some of the listed accounts have wrong details, like the amounts and dates.