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

there are fraudulent/unauthorized inquires on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian initiated a DISPUTE, on an installment account called XXXX XXXX XXXXonsumer NEVER asked for an investigation on XXXX XXXX XXXX XXXX is a valid account. 

Experian SELF-disputed Lead Bank, without the permission of consumer.
Product: Credit reporting or other personal consumer reports

This account needs to be investigated, as the charge is incorrect. My contract with XXXX XXXX XXXX ended ( XXXX refused to replace a non-working phone after I paid for insurance. I had them for 12 years and I refused to enter another contract to purchase another device because the contract was up and the device paid in full ). I made the switch which the new provider pays any early contract term fees ( but this was not needed because the contract was already up ). This account needs to be verified as correct. Stop putting things on my credit report that you havent properly investigated and when I request an investigation dont give me a status the next day because XXXX XXXX XXXX didnt verify anything with you less than 24 hours later!!!!!!! I want an ACTUAL investigation not you just saying you did one and marking the dispute closed.
Product: Credit card

In XX/XX/scrub>XXXX XXXX  went to pay a credit card bill thru On Line Banking Thru XXXX XXXX  to XXXX XXXX XXXX XXXX for {$510.00}. XXXX cut a check for that amount and sent it to XXXX on XX/XX/XXXX. XXXX never received the check. In contacting XXXX they did send out a check and sent us a copy of the check. Upon further investigation, we found that the address for XXXX was off by one number on the zip code. Somehow, JP Morgan/Chase bank got the check. Even though the check was made out to XXXX, JP Morgan/Chase Bank indorsed the check and took the money.
Product: Credit reporting or other personal consumer reports

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

My Mother sent a Vanilla Visa card three years ago that got misplaced and was recently resurrected. The value is {$50.00}. The issuer is XXXX XXXX XXXX. I first was declined in XXXX XXXX, and recently was declined in both XXXX and XXXX. Without looking at the card, they told me it was expired in the computer. On the face, the card shows it expired in XX/XX/2021. However, after contacting XXXX and spending numerous hours on the phone, I was told the card was just fine, and was activated and ready to use. After the declinations, I finally contacted Visa Consumer Complaints who told me they weren't responsible for their " issuing financial institutions ''. Today ( XXXX XX/XX/XXXX ) I checked online and the balance is still {$50.00}, but the status says " on Hold ''. XXXX dollars doesn't mean much to the average American, but for my elderly Mother it is real money. I appreciate any help you can render. Thanks. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

experian will not update my score 2nd request
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 US-CODE 1692E FALSE OR MISLEADING XXXXXXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 7. 15 U.S. Code XXXX - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1692G - XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate and inconsistent credit reporting by XXXX XXXX XXXX. The company has reported conflicting and incorrect information to all three major credit bureaus ( XXXX, XXXX, and TransUnion ), resulting in errors that have negatively impacted my credit score and financial standing.

Specifically, I have identified the following issues with XXXX XXXX XXXX reporting : Charge-Off and Paid as Agreed : XXXX XXXX XXXX  has XXXX accounts listed on my credit reports that are marked as both " Charge-Off '' and " Paid as Agreed. '' These conflicting statuses are misleading and do not accurately reflect the status of the accounts. 
Late Payments Reported Incorrectly : The credit card company has reported late payments on my account, which is inaccurate. I have always made payments on time and have documentation to support this. 
Inconsistent Reporting Across Credit Bureaus : The information reported by XXXX XXXX XXXX  is not consistent across all three credit bureaus. For example, some bureaus show missing or incorrect account details, while others have incomplete or conflicting data regarding the status of the accounts. 
I have made multiple attempts to resolve these issues directly with XXXX XXXX XXXX, including [ briefly describe any attempts to resolve the issue, e.g., calling customer service, submitting disputes ], but the errors have not been corrected. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that accurate and consistent information is reported to the credit bureaus. I also request that XXXX XXXX XXXX  be held accountable for their failure to report accurate information and for not resolving the discrepancies in their reporting. 

Thank you for your attention to this matter. Please do not hesitate to contact me if you need any further information or documentation to support my complaint.
Product: Mortgage

Six years ago cleared up flood insurance with XXXX XXXX XXXX on vacant land, no flood insurance required. Three years later XXXX XXXX XXXX sells our mortgage to Nationstar. paying the usual monthly payment to Nationstar for about a year they suddenly send a letter to us stating we need flood insurance and if we do n't get it they will place insurance on us. I explain what we did with XXXX XXXX XXXX that the structure was removed there for no insurance required. I send proof from town hall stating the removal of the structure. They say not good enough and decide to place flood insurance on to our mortgage. Nationstar was asking for an additional XXXX month and we refuse to pay the extra money but continue to send the regular payment hoping we resolve the situation.We send the regular payment for about 8 months and that is when they refused to accept anymore payments from us and put us into foreclosure. Two years later and XXXX lawyers later we are stuck in limbo. Our credit is destroyed ca n't get a loan ca n't refinance on any of our properties. 
Thank you XXXX
Product: Credit reporting or other personal consumer reports

Re : Late Payment Dispute under the CARES Act, FCRA, and TILA Account XXXX Creditor Name : XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXX for reporting inaccurate information related to a late payment on my credit report. This information does not reflect the protections provided under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I was approved for a financial relief program offered by XXXX XXXX XXXX Under the CARES Act, my account should have been reported in a favorable status while participating in the relief program. However, my credit report shows a late payment, which violates this law.

Fair Credit Reporting Act ( FCRA ) Under the FCRA, creditors and credit reporting agencies are required to report accurate information. The incorrect reporting of a late payment on my account is unfairly damaging my credit history. I request that the CFPB investigate this inaccurate information and remove this late payment from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the TILA, creditors are obligated to provide clear and accurate terms and communicate any changes to loan terms. I was not properly informed by XXXX XXXX about how the relief program would impact my credit report, which is a violation of my rights under TILA. 

Request For these reasons, I request that the CFPB investigate this matter and ensure that the inaccurately reported late payment is removed from my credit report. I am attaching relevant documentation that supports my participation in the financial relief program and demonstrates that this late payment was incorrectly reported. 

Thank you for your prompt attention to this matter. I trust that the necessary steps will be taken to rectify this situation in accordance with applicable laws. 

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

There is an address reporting on my Equifax Credit Report that is not mine. 
Below is the address that I would like to have permanently deleted from my Equifax Credit report : 1. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to get a car from XXXX and ran my credit a total of 30 times, I have them {$2000.00} in cash as a down payment. Three days later I had to bring the car back because the lender that agreed to do the loan reverse their decision and turn down the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX thank you for removing the inaccurate items on my previous dispute but you didnt remove other inaccurate items that are in the attached files. Im sending this letter in regards to the remaining inaccurate information your company continue to place on my report. I have the items below in the file attachments. Please review the inaccuracies and remove the items within 48 hours of receiving this message. I am not attempting to collect a debt nor is this a threat but Im in the process of filing a lawsuit. I advise you to look over this matter and take serious precautions or else youll find yourself in a courtroom trying to defend every violation youve caused, pain, agony, embarrassment and the dark clouds youve placed onto my life. As of today Im sending this final letter as an affidavit and the final important notice to remove your obsolete, bogus, accounts and inquiries by today. I will be following up checking my credit to see if the inaccuracies are removed. I strongly advise you not to take this as a laughing matter, it is to be taken very seriously.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX ) XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX ) XXXX - XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX # XXXX - XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX  - XX/XX/XXXX XXXX ) XXXX  - XX/XX/XXXX XXXX ) XXXX - XX/XX/XXXX XXXX ) XXXX - XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

The accounts below have violated my rights.

* 15 U.S.C 1681 section 602A. States I have the right to privacy.

* 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

* 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 ) ( a ) 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.

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX, as the duly appointed Subrogee and Executor of the XXXX XXXX XXXX XXXX ESTATE ( and any and all derivatives spelling ) have been seeking for immediate action and fiduciary trusteeship of EXPERIAN due to erroneous information reporting on our credit profile, false and misleading information, defamation of the character and breach of privacy on the estate. EXPERIAN has failed to properly remedy and investigate this matter. SEE ATTACHMENTS for further detailed and all notices and documents that have been sent to EXPERIAN, including USPS tracking number and screenshot of date of delivery. You EXPERIAN are reminded of your fiduciary obligations under trust law, which obligate you to act in good faith and protect the interests of the Beneficiary ( XXXX XXXX XXXX ). One of the principles of equity is " One who comes to equity must come with clean hands ''. EXPERIAN has a fiduciary RESPONSIBILITY to be in honor and act in good faith. Im expecting no more than 5 ( five ) business days for our credit file to be updated with the accurate information and status [ SEE ATTACHMENTS ], as it should have already been. Another principle of EQUITY is " Equity recognizes what should have been done as already done ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing consumers because I contracted XXXX XXXX and I was XXXX XXXX before that my car was broken into my social security card, credit cards and identify was compromised, which cases incorrect reports on my credit report. XXXX XXXX XXXX XXXXXXXX ) is showing {$600.00} debt that is incorrect/fraudulent transaction I never got a loan with XXXX XXXX needs to be removed off my credit history, XXXX shows {$110.00} which isnt correct I get essential Internet I have uploaded my bill showing thats not correct needs to be removed and XXXX  credit card was stolen including my social security card, unauthorized transactions and I filed on my insurance for theft & police report was submitted.
Product: Credit reporting or other personal consumer reports

I have requested XXXX  and experian to make a full investigation on the bankruptcy they are reporting ( Reference number XXXX XXXX  XXXX ) and to tell me who's the source they are using to gather this information. These XXXX credit bureaus are the only ones reporting this information on my credit report. I have tried numerous times to get this information from them and they take forever to not give me this information and I believe that is because they don't want to remove this bankruptcy from my credit report if needed. At this point I feel discrimination against my person. This is mentally disturbing for these people to do whatever they want with people 's lives.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. Bankruptcy XXXX XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

These items were not authorized by me, and I did not grant permission for these items to be included in my consumer reportXXXX 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 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 reporting or other personal consumer reports

XXXX and Equifax 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 XXXX and Equifax, 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 XXXX and Equifax 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 XXXX and Equifax 's inaction violates federal law and my rights as a consumer.
Product: Student loan

Navient increase my payment from  XXXX  to  XXXX  back in  XXXX   2016 .
Product: Credit reporting or other personal consumer reports

Credit card provider ( XXXX ) pulled address information from vendor ( XXXX ). They informed invoice was sent to a shipping address instead of mailing address. I never receive the invoices until I called them and the mailing address was updated. When I received the invoice it included interest and penalties which I disputed. After several attempts XXXX accept their mistake and eliminate the extra charges. We agree on a payment amount that I paid immediately and ask for the account to be closed. They included the period under the dispute as delinquency affecting negatively my credit profile. This ended up costing me in decreasing my credit score and missing a loan offer ( low interest ) to finance a new car on XX/XX/XXXX. I disputed the item with each credit report company and each one refer me to the reporting company ( XXXX ). I wrote to XXXX and they asked for additional information giving me the opportunity to provide it by phone. Today ( XX/XX/XXXX ) I called them to provide the information. After explaining the situation, I was notified that they are not going to make changes in the reported information and advise me to file a dispute through annualcreditreport.com. That action was previously done without success.