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

I am disputing the inaccurate reporting of late payments on my XXXX account. XXXX has already updated this account to reflect never late due to XXXX system errors that caused the reporting inaccuracies. I request that you follow suit and correct this error promptly, as it is negatively affecting my credit score.

As outlined under the Fair Credit Reporting Act ( FCRA ) and reinforced by cases like XXXX XXXX TransUnion Corp., credit reporting agencies are obligated to ensure the accuracy of consumer reports and correct any errors swiftly upon discovery. Additionally, the CFPB has documented issues with XXXX failure to adequately investigate disputes in the past, which has led to lawsuits and complaints about mishandling credit inaccuracies. 

Please conduct a thorough investigation and update my account to reflect accurate information, ensuring it reports as current with no late payments. Attached are any relevant documents to assist with your review. I expect confirmation of the resolution of this dispute within the FCRAs required 30-day time frame.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I was looking at my report and notice there were some things that was not correct. I sent a letter to XXXX on XX/XX/2024. But it has been more than 35 days since the credit bureaus haven't responded. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. My credit report currently shows two inaccuracies. I have disputed them with Experian and the information remains unchanged. There are two collection accounts reported from XXXX XXXX : one for ) XXXX and the other for {$5400.00} ( I believe ). I learned about these accounts in 2019 when I went to refinance my home. I was completely unaware they existed. But after some research, I learned that one of my previous employees at my company, had signed my name as a guarantor without my knowledge. At the time, I was uncertain how the dispute process worked. But my daughter has helped me see how simple this is. 
During the time I was refinancing, I thought paying these unknown charges would be the easiest way to solve the problem. I didnt want to get anyone into trouble either. But they are, in fact, fraudulent charges. If you look at my credit report, you can see that I have always maintained a good credit reputation. I did what I thought was best and paid these collection accounts off. It seems as though I shouldnt have, because Experian continues to leave these as reputable accounts. But I promise you, I knew nothing of these accounts and I had no part in assigning myself as a guarantor. Could you please remove these from my credit report once and for all? I am an honest man, attorney and a veteran of the XXXX XXXX. I feel I did my due diligence by paying debts that werent even mine. All I ask is that you please make this right. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2023 to Experian. Here is my tracking number ... ... ... .. XXXX However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 
How did they complete this investigation?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The 3 Credit Bureaus are reporting inaccurate information on ONEMAIN XXXX Balance {$14000.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

Made a complaint with the CFPB, complaint XXXX, the company responded but did not address what was listed as the complaint type. 

AFNI has not provided written communication of attempts at collecting a debt and doesnt provide the ability to dispute a debt prior to reporting it to the credit bureau.
Product: Credit card or prepaid card

I was sent a Debit card from US Bank ReliaCard. It was unsolicited. 
I called the toll free number, XXXX and was told another division handled that card. 
They transferred me and I was immediately hung up on. I called again and told them I would contact you. They transferred me and immediately hung up again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and sent a police report into the creditors and I am still being accused of these accounts. I have no idea of knowledge of these accounts. This is really hindering me of applying for credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I had three XXXX accounts that were closed because someone had taken the Cards and used them fraudulent and made several payments on the account that were fraudulent. I continued to pay accounts off on time to a XXXX  balance and less then three years of the accounts being paid and closed all accounts and status were removed from all 3 credit reporting agencies. I also had the same issue with XXXX XXXX removal from all of my credit reports
Product: Money transfer, virtual currency, or money service

On XX/XX/ I deposited approximately XXXX XXXX in the Kraken exchange I have had my account for more than 1 year and have completed all of the verification levels. 

My deposit is listed as " on hold '' and my withdrawals are suspended. 

I created a ticket to deal with the problem. No representative of the exchange has contacted me to try to resolve the problem. I have made multiple phone calls and was only told " to watch my email. ''
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and so on.
Product: Credit reporting

I had XXXX separate debts with the department of veterans affairs. These debts have been paid off and now have a zero balance. I have disputed this information 3 times with Equifax and they refuse to update this information correctly even after providing letters from the VA to them showing zero balance. I spoke with the VA and they advised they reported zero balance to Equifax for these accounts.
Product: Mortgage

lien release from MERS in 2005, also part of XXXX mortgages put in document in 2005 that XXXX XXXX XXXX XXXX XXXX states it is the trustee, have received several payments from XX/XX/XXXX lawsuits, local attorneys used robotsigned documents, that have been made permanent record in county record
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a compliant do to someone accessing my personal financial identifiers. I was in the hospital for a while and when I was released I recently discovered that my information had been compromised. My name is XXXX XXXX XXXX please remove delete any another version of my name! I will be filing a FTC compliant and a police report as well. 
The following addresses are fraudulent I have never lived at these addresses please delete : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection account is reporting as a open ... with a pass bal and the credit reporting agencies is reporting this inaccurate information... the account is the US department of education the amount is {$4500.00} reporting date as XX/XX/2023 2023
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX Request for Debt Validation and Removal from Credit Report Dear XXXX XXXX  XXXX  XXXX  I am writing to formally request the validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Please provide the following information to validate this debt : {$190.00} The amount of the alleged debt and a detailed breakdown of how it was calculated. 
The name of the original creditor to whom the debt is owed, along with the date the debt was incurred. 
Documentation or records showing that I am legally obligated to pay this debt, including any signed agreements, contracts, or statements. 
Verification that this debt has been reported to the credit bureaus in my name and any documentation supporting the accuracy of this claim. 
As required by law, please provide this validation within XXXX days of receiving this letter. If you are unable to provide the required validation within this time frame, I request that you remove the associated debt from my credit report and cease any further collection efforts. 
Furthermore, if you are unable to validate the debt as per the FCRA and FDCPA, I demand that you immediately notify the credit reporting agencies to remove this entry from my credit report. 
Please note that any failure to provide proper validation or failure to remove the debt from my credit report will be considered a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to file a dispute with the credit bureaus and consider legal action if necessary. 
I look forward to receiving your response within the legally mandated XXXXday period. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet is denying me of my rights as a consumer!! 15 U.S. Code 1681 c-2- Block of Information resulting from identity theft clearly states the information required for a consumer reporting agency to block and delete information reporting on a consumer file. [ ( a ) Block except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 BUSINESS DAYS AFTER the date of receipt by such agency of - ( 1 ) appropriate proof of the identity of the consumer ; - iI have provided ( 2 ) a copy of an identity theft report, I have provided ( 3 ) the identification of such information by consumer ; and I have provided ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by me the consumer. Evidently, Nelnet does not comply with Federal Law and/or believes itself to be above the law. You have no right to deny me my consumer rights!! I have provided everything necessary to block this information. These are the accounts in question : Nelnet XXXX, Nelnet XXXX, Nelnet XXXX XXXX Nelnet XXXX. I have also attached the promissory note they sent me. Line XXXX is NOT my signature. Nelnet should have my signature on file and this will not be what they have. Even XXXX XXXXXXXX references are not my handwriting. Nelnet should have many samples of my signature and handwriting. This is a clear case of someone fraudulently forging my signature.
Product: Debt collection

Received a debt collections letter dated XX/XX/2018 from XXXX XXXX XXXX stating I owe XXXX XXXX. I dont have a XXXX account and have never used XXXX. I contacted XXXX on XX/XX/2018 who confirmed I do not owe them money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca, XXXX XXXX/XXXX/2025 XXXX Dispute Department po box XXXX XXXX, TX XXXX Subject : Formal Dispute for Immediate Removal of Fraudulent Information Under Section 605B Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report that has resulted from a data breach in which my personal information was exposed. This information must be removed in compliance with Section 605B of the Fair Credit Reporting Act ( FCRA ), which requires the removal of fraudulent information within four business days. 
The fraudulent items that need to be removed from my credit report are as follows : 1. XX/XX/XXXX, Account Number : XXXX, Fraudulent account opened in my name after the data breach. 
2. XXXX XXXX XXXX, Account Number : XXXX, Fraudulent account opened in my name after the data breach. 
To support my claim, I have enclosed the following documentation : A completed Identity Theft Report, as required under Section 605B.

A copy of my government-issued ID for identity verification purposes.

Police reports, FTC Identity Theft Report I emphasize that this dispute is not to be treated as a standard 30-day reinvestigation process. Under Section 605B, XXXX is required to block and remove any fraudulent information resulting from identity theft within four business days upon receipt of this dispute and supporting documentation.

Please confirm receipt of this letter and respond with a written confirmation of the blocked information. Failure to comply with this request will leave me no choice but to escalate the matter by filing a complaint with the Consumer Financial Protection Bureau and pursuing further legal remedies as necessary.

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. 
Sincerely, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company XXXX XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Credit reporting or other personal consumer reports

Because they violated my rights and sold an account to another company that I do not have an agreement with This needs to be taken off of my credit report
Product: Checking or savings account

I discovered on XX/XX/2020 that money was being illegally transferred from my bank account. The transaction did not appear in the XXXX XXXX but was only present in my bank account statements. The transactions appeared on my account under the following name. The bank confirmed that it was a XXXX XXXX transaction number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA The individual took over XXXX from my bank account. Bank of America refuses to keep the claim open because of insufficient evidence despite that fact I have supported a police report and letter from the police recommending for me to contact the FBI, documentation of my case submitted to the FBI, and.copies of the emails with XXXX XXXX about the situation. 

Bank of America refuses to provide any information on their investigation the case or honor my appeals to keep the claim open. 

I have reached out to XXXX XXXX as well and they have been unresponsive. 

I have attached a password-protected PDF of all my documentation. The password is password is XXXX!
Product: Credit reporting or other personal consumer reports

Experian has continued to conduct the same practices repeatedly over 10 years or longer after being told about my identity being compromised they continue to use it against me to place and display inaccurate information to alter my information for years theyve displayed no score after reporting them to cfpb they randomly entered a incorrect score my current score is over XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This complaint is regarding my XXXX, XXXX, and TransUnion credit reports. I recently pulled my credit report an noticed some accounts on my credit report that l am unaware of. According to the FCRA Law, they should be removed. The name of the account is XXXX XXXX, XXXX XXXX. This account is an account that I'm totally unaware of.
Product: Credit card

We use our Wells Fargo Credit Card monthly and pay off monthly. In XXXX I paid half of the full amount that would be due XXXX XXXX and intended to pay the rest before the XXXX XXXX due date so as not to incur interest charges. My husband did n't know I only paid half and continued using the card for his business purchases. On XXXX his business purchase put us over the credit limit by {$72.00} which they told me is a courtesy. I understand, that 's great so as not to cause embarrassment, etc. But the company allowed NINE more days and XXXX more transactions to occur, putting the account at {$1200.00} over the limit!!! We receive NO PHONE CALL, NO LETTER, NO NOTICE, NO EMAIL, NOTHING and they closed the acct on XXXX/XXXX/16. On XXXX/XXXX/16 I paid the other half of the remaining balance for the 30 day charging window, bringing our balance to zero for that payment period. The remaining balance will be due XXXX/XXXX/16 and is under the credit limit. Under the terms and agreements for this card, no where does it state that they will close the account if it goes over the limit. Wells Fargo DID NOT notify us as they stated they did in a letter they mailed out on XXXX/XXXX/16, the same day they closed our account. We received the letter on XXXX/XXXX/16. How can a credit card company allow transactions to occur when the card goes over the limit!? Every card we have ever had, does not allow you to go over repeatedly once a transaction puts you over the limit. It declines further transactions. Wells Fargo Bank NA does not do business well, and they do not return phone calls. I have left XXXX messages on XXXX of the main managers voicemail who would handle this. No one calls me back. I will never EVER do business with Wells Fargo again. How ironic that we have never had any problems like this until after our Wells Fargo Home Mortgage loan was paid in full and all we had left with their company was this credit card. They are deceitful and do not communicate well with their account holders. XXXX XXXX XXXX BANK IS THE BEST.
Product: Credit reporting or other personal consumer reports

delete hard inquiries XXXX XXXX INQUIRIES en XXXX : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX. XXXX XXXX INQUIRIES en Equifax : XXXX XXXX REPORTING XXXX XXXX XXXX - CERTIFIED CREDIT REPORTING XX/XX/XXXX, CERTIFIED CREDIT REPORTING XX/XX/XXXX, CERTIFIED CREDIT REPORTING XXXX XXXX XXXX. XXXX XXXX inquiries en XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

15 .S. 81 XXXX XXXX XXXX. States have the right to privacy. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX stales a consumer reporting agency can not 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any comator sintinguiny if the person knows or has reasonable cause to believe that the Delete the accounts below :
Product: Credit reporting or other personal consumer reports

SYNCB/JCPENNEY PLCC I did not apply for anything jc penny . I contacted XXXX  to remove this hard inquiry. This happened XX/XX/year>.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX  XXXX California Division XXXX [ Insert Address if available ] Re : Request for Debt Validation Account Related to Kickoff Credit Builder and XXXXXXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing in response to a communication I received regarding an alleged debt associated with Kickoff Credit Builder and XXXX XXXX XXXX XXXX XXXX Please treat this letter as a formal request for validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I respectfully request that you provide the following
documentation : 1. The total amount of the alleged debt ; 2. The name of the original and current creditor ; 3. A copy of any written agreement or document bearing my signature that shows I agreed to the debt ; 4. A detailed breakdown of how the amount was calculated ; 5. Proof that you are legally authorized to collect this debt in the state of California ; 6. The date of the last payment made, if any.

Until this information is provided, I request that all collection efforts cease, including any negative reporting to credit bureaus.

This letter is not an acknowledgment of liability for the debt. I am simply exercising my right under federal law to request verification. Please respond in writing to the address listed above. 

Sincerely, XXXX XXXX XXXX