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

I am writing to formally submit a complaint against Experian regarding the reporting of inaccurate information on my credit report. The specific account in question is associated with XXXX XXXX XXXX XXXX 

I have reason to believe that the information reported by Experian is not accurate, which is a violation of the Fair Credit Reporting Act as outlined in 15 U.S. Code 1681. I have reached out to Experian multiple times to address this issue, providing them with the necessary documentation to support my claim. However, despite my efforts, the inaccuracies remain unresolved. 

In support of my complaint, I would like to reference the case of *XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ). In this case, the court held that credit reporting agencies have a duty to ensure the accuracy of the information they report, and failure to do so can lead to liability under the Fair Credit Reporting Act. This precedent reinforces my position that Experian has a responsibility to correct the inaccuracies on my credit report. 

The continued presence of this incorrect information is causing significant harm to my credit profile and overall financial well-being. I am requesting your assistance in ensuring that this matter is corrected promptly. It is imperative that my credit report reflects accurate information to avoid further damage to my XXXX XXXX and potential implications for my financial future. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

I have a history of punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my consistent track record of meeting deadlines.
Product: Credit reporting or other personal consumer reports

I called XXXX and they said they dont have an account with my name as an authorized user I pulled my credit report its not reporting on XXXX, XXXX but its showing on Equifax XXXX Equifax said its not showing on there end but when I pull my report showing. 
Would you please remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Mortgage

SLS has paid my home owners insurance in the past. I was paid in full  XXXX   XXXX  for the period  XXXX   XXXX  -  XXXX   XXXX . SLS has now made  3  additional disbursements on  XX/XX/XXXX  i n the amount of {$2300.00} to  XXXX   XXXX   (  which was n't due until  XXXX   )  I believe they attempted to prepay both my home and auto insurance for the   XXXX   year. Our Homeowners  Policy  was only around {$1100.00} for  XXXX . They also went of to make a second in error disbursement to  XXXX   XXXX  on   XX/XX/XXXX   in the amount of {$1100.00}. Just a few days after, on   XX/XX/XXXX   we switched insurance companies to  XXXX  and prepaid the insurance for the year in the amount of {$610.00}. SLS then for the third time this year made an in error disbursement to  XXXX  in the amount of {$45.00} on  XX/XX/XXXX   ( after we already prepaid the year - see bank attachment ).  <P/> SLS, through all these disbursements, in which they did n't use common sense, put my escrow in negative up to - {$1100.00}. They also happened to do an annual analysis of my escrow in this time period which upped my monthly escrow by over {$400.00} a month for 3 months and then upped it more than {$100.00} a month the remainder of the year. Their error is causing us hardship by increasing our escrow more than 40 % per month. All I am asking is for some shared responsibility in this. I will pay it but they need to lengthen that time.  <P/> Also, according to  XXXX  this is not an isolated case and I feel horrible for anyone else going through this with SLS.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused me significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Procollect - I faxed and emailed and called and disputed the collection in XXXX of XXXX   they showed on my bureau explaining this account IS MINE ; however, I DO NOT OWE A CANCELLATION FEE to XXXX because I cancelled my services within 3 days. They removed it from my Credit Bureaus ; however, they replaced it on my Credit Bureaus again inXX/XX/XXXX.. Procollect refuses to remove this from my Credit Bureau Files again and keeps taking me in circles. I requested they provide me written validation  showing I did not cancel within my 3 day rights. They said they received verbal verification from XXXX that I did not cancel within 3 days. I asked again for written proof and they hung up on me. I DO NOT OWE THIS. I am requesting that they remove this immediately from all three credit bureaus and permanently. Sincerely, XXXX XXXX account number XXXX shown on my bureaus for Procollect. Their phone number shows on my bureau as XXXX. I am trying to refinance my home and they do not care. Thank you for you help.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to formally dispute inaccuracies in my credit report and to seek compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further supported by the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights Experians failure to adequately investigate consumer disputes and its improper reinsertion of inaccurate information into consumer reports. 

The following inaccuracies in my credit report require immediate correction or removal : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  I XXXX {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX XXXX XXXX/XXXX/2025
Product: Vehicle loan or lease

I opened an automobile loan with Bank of America on XX/XX/XXXX, and the account was added to my mobile banking. 

I have a payment method already added to my Bank of America ( XXXX ) mobile banking app. It is an external account that is linked to my Bank of America credit card. 

When I attempted to pay this bill online several weeks ago, it gave me a message that no bills were due, and there was no option to add the auto loan as a payee from my existing external bank account mentioned above. So I waited. Then, on Friday XX/XX/XXXX I checked again and had the same message. I figured the option to pay, then, would show up once the due date of XX/XX/XXXX had arrived -- but it didn't. 

I successfully reached a representative through their social media messaging ( XXXX ), but while waiting for a response to the problem, I went online on a DESKTOP and manually applied the payment amount due, which was posted on XX/XX/XXXX. 

I did eventually get a response and had already explained what was going on, so I further explained that I completed a payment online and no longer needed help. However, when I checked today XX/XX/XXXX, I could see that the payment posted ( both on the app and my Banking app ) was not applied to the automotive loan, even though I specifically arranged the payment to be applied to the automotive loan. 

Today XX/XX/XXXX I was able to speak with a representative who assured me that my payment would be posted to the auto loan account appropriately, once everything had been processed and the payment had cleared my financial institution. 

Despite this resolution, the representative was still unable to give me a clear explanation about why the payment process was so difficult or why my loan did not show up as a qualifying payee account through the mobile app. 

Since there is the potential for others to run into this problem and face late charges as a result of this problem in the XXXX mobile app user interface, I believe it should still be documented and Bank of America should take measures to correct the issue. Please note that this may have something to do with their " eBill '' system, and you can see in the attached photo that I never received one from Bank of America.
Product: Debt collection

XXXX was made on XX/XX/year> with Portfolio Recovery, XXXX debt collections agency. The person on the phone named, XXXX XXXX who told me that the debt attached to the account number they provided me with was purchased for the full amount of the debt form the previous company they purchased it from. I asked, for clarity, what that amount was and she stated that it was purchased for the full amount. I asked for her to send proof in the form of the purchase order and said the date and amount they purchased it for. I have yet to receive it as of XX/XX/year>. 

False Representation of the Debt ( FDCPA Violation ) : Under the FDCPA, its illegal for debt XXXX to misrepresent information about a debt, including the amount owed or the nature of the debt. XXXX XXXX knowingly misled me by claiming the debt was purchased for the full amount, this would be considered false representation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Requested XXXX repayment plan. Submitted application was approved. now got notice it was denied. Said I filled out an application for a XXXX loan. I did not. I do not have.that loan type First my XXXX loan forgiveness was denied now this. 
I get conflicting information I was told I qualify for the XXXX loan forgiveness then not I was told the XXXX repayment was approved. Now not. 
Do not believe nor trust that they k is what theyre doing. Besides confusing explanations even for me with a XXXX XXXX. None of it makes sense nor can be understood I get information when I speak to service agents. Numerous times Then I get denied Perhaps the idea they have in mind
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, experian data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTIANED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EXPERIAN DATA BREACH AND FRAUD. ATTACHED TO THIS IS A COPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit reports in the mail. Upon looking at all XXXX, the months of XX/XX/XXXX and XX/XX/XXXX has not been updated accordingly for Texas Attorney General. Also, this account is paid as agreed and not late. This negative remark is affecting my credit worthiness and my livelihood.
Product: Debt collection

They call way too often, even after we advise them when we are going to pay them.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Credit Bureaus for Unauthorized Account Disputes and Resulting Harm I am writing to formally file a complaint against XXXX, Equifax, and XXXX for inaccurately marking my credit card accounts as being in dispute or fraudulent. This wrongful reporting has led to severe and unjust consequences, including the closure of XXXX of my autopayment accountsRing and XXXX to declined credit card transactions. 
To clarify, my dispute with the credit bureaus was strictly regarding the inaccurate information on my credit reports, including incorrect open dates, payment history, missing payments, and accounts with no data at all. At no point did I dispute any of my active credit card accounts or my student loans, which I fully acknowledge as mine. Despite this, the credit bureaus erroneously flagged these accounts, causing significant harm to my financial stability. 
Additionally, the credit bureaus acted unlawfully by removing me as an authorized user from my husbands credit card without my consent or his authorization, violating both my rights and his financial privacy. 
The consequences of these errors have been devastating. Accounts have been closed without my consent, negatively affecting my financial well-being and credit standing. This unwarranted action has disrupted my ability to manage my finances effectively and has caused undue hardship. 
I request immediate corrective action, including : 1. The removal of any false dispute or fraud notations on my credit card accounts.

2. Restoration of my authorized user status on my husband 's account.

3. The three credit reporting agencies must contact all of my credit card accounts to have all my accounts reinstated and provide me with documentation confirming these actions.

4. A written response explaining how these errors occurred and what steps will be taken to prevent such incidents in the future. 
I am seeking intervention from your offices to ensure these credit bureaus comply with the law and rectify the harm they have caused. Please advise me on the next steps in resolving this matter. 
I appreciate your prompt attention to this complaint. I look forward to your response and a resolution to this matter. Please feel free to contact me at the information provided above
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX The above XXXX XXXX Is in violation of my right. 

I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

Also as well In accordance with the fair credit Reporting act XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat d payment on a credit card account under an open end consumer credit plan as late for a purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My most recent FICO score says I have one late payment in the past twelve months. I have reached out to XXXX, XXXX XXXX, and Experian, and all of them show that I have no late payments. I have no idea how to fix this!!!!! Also, Experian are thieves, you can not get a human on the phone and I had to pay after checking just two weeks ago.

Anyway, how is fico reporting a late payment and I do not see a late payment on any report??? This is time-consuming and horrible and life-impacting and I am done.

I just need help. If my payment history shows 100 % on XXXX  and XXXX XXXX, and no late payments on Experian why is FICO incorrect and how does it get fixed? No one should have to go through this.
Product: Credit reporting or other personal consumer reports

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE INFORMATION AND ACCOUNTS REPORTING : EQUIFAX : 1. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report 2. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 
3. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX XXXX. Account Number : XXXX This is not mine. 
4. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 

XXXX : 1. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report 2. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 
3. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX XXXX. Account Number : XXXX This is not mine. 
4. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 

XXXX : 1. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 
3. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 
4. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting my Consumer Disclosure Report. I request to access my file to learn more about the personal information ChexSystems maintains about me in accordance with the Fair Credit Reporting Act. I am also requesting this file be EMAILED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX Mailing address XXXX XXXX XXXX XXXX Pa XXXX Date of Birth XX/XX/1984
Product: Debt collection

I have an unverified account from CAINE & WEBER COMPANY, INC. I had previously disputed this account. I have never done business with CAINE & WEBER COMPANY, INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CAINE & WEBER COMPANY, INC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CAINE & WEBER COMPANY, INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX  XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}