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

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must update to correct as paid on time. 


Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of XXXX XXXX XXXX ( d ) ( XXXX ) as that information pertains to experiences those accounts tag as billing error are inaccurate late payment history should be updated to paid on time as it is in multiple billing errors under XXXX XXXX XXXX XXXX ( b ) billing error ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of the accounting nature of the creditor on a statement. 
clearly in Violation of the United States Code Law ( XXXX XXXXXXXX XXXX Code XXXX ( b ) billing error ) must update to correct as paid on time. 



any continuation of providing negative information required by section FCRA XXXX ( XXXX XXXX. XXXX ) And charge off accounts that is tag or labeled FDCPA Section XXXX Violation Misleading False Reporting should be deleted and collection account Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately. 


a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, XXXX inquiries that's Violated the United States XXXX XXXX XXXX XXXX. XXXX ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. should be deleted in the credit report I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Product: Mortgage

I forced to leave my home with my XXXX yr old son due to threats, assault and harassment. My mortgage company and XXXX been trying to force me out of my home for years, by tampering with my financial obligations. I am a XXXX percent XXXX veteran. My mortgage goes up every year due to taxes and mishandling of my escrow account. This year my mortgage went to XXXX a month. This is ridiculous. I had to pay XXXX dollars to keep my payment the same which to stop the increasing this year. My home was intentionally burned down about 2 yrs ago and insurance company XXXX XXXX didnt want to help after the home was redone and quicken loans said I now have home insurance through them. This insurance is incredibly expensive. I dont know why this is happening but I wrote to your every year for help but dont receive any help. I shouldnt be paying taxes and my mortgage should not be this high. It goes up every year.
Product: Credit reporting

I have tried to dispute this online being that I was just made aware of this over the weekend. Its an account that 's in collection that I have no knowledge of. 
Account name : XXXX services dated XX/XX/2017 {$59.00}. I have no knowledge of this account and have never received any mailings prior to it going to collections
Product: Debt collection

This fraud was disputed almost 7 years ago. the company XXXX has used several different collection companies and each one verifies that this was fraud. The bank account used did not exist. I never open a account with this company. XXXX perpetuates the fraud even though they know this was not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are failing to show the following accounts are in fact In Dispute. XXXX XXXX partial account number XXXX ; XXXX partial account number XXXX. XXXX and Transunion are not reporting the following account In Dispute. XXXX XXXX partial account number XXXX. Transunion is failing to report the following account In Dispute. XXXX partial account number XXXX. XXXX is failing to reporting the following account In Dispute. OTHER COLLECTOIN AGENCIES partial account number XXXX. XXXX and XXXX are failing to reporting the following account In Dispute. XXXX XXXX XXXX partial account number XXXX. ( I have attached screenshots from my credit report for reference. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my credit report and noticed that there is an account that I did not open or authorize anyone to open up on my behalf. This account is hurting my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date that I discovered it : XX/XX/year> Total fraudulent amount : {$110.00}
Product: Credit reporting or other personal consumer reports

In XXXX, 2025, XXXX Credit Bureau reported a mortgage as over XXXX days late when the mortgage had been paid in full and closed XXXX year prior. 

This dropped by credit score by XXXX points, costing me a new home! 

They showed no empathy or concern in escalating the correction, stating, " it takes years to build good credit, but only seconds to destroy it. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen years ago, and someone even filed taxes in my name. I am constantly getting notifications from XXXX bank that my social was found on the dark web. I have items on my credit report that do not belong to me and I am constantly disputing and getting nowhere. I am constantly asking for verification of documents that were used to open these accounts and have received nothing from the credit bureaus or the actual company, but things are being reported as verified. That does not help as my information was once stolen. I am stuck and have nowhere else to turn to for this and was given this information to reach out.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  XXXX  Auto Financing XX/XX/2019 Experian XXXX XXXX IN Auto Dealers, Used XX/XX/2019 Experian XXXX XXXX XXXX XXXX Installment Loans XX/XX/2019 Experian XXXX Sales Financing XX/XX/2019 Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT.PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT THEY ARE HURTING MY CREDIT SCORE.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting UNAUTHORIZED INQUIRIES on my Credit Report. 

XXXX : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 
XXXX/ XXXX this only show in XXXX  was added on I dont owes this company any money please I will report it to Consumer Financial Protection Bureau also I will send a copy of this letter to them This company showing two time in my report from XXXX XXXX/ XXXX XXXX this account was paid off and closed please update never late why it showing in my report Penn Credit Corp Please have them remove this from my credit Also please update the following information which I saw your credit bureau to be missing or incomplete
Product: Debt collection

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Collection/Charge Off : XXXX XXXX XX/XX/XXXX {$370.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$6400.00} XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX  XXXXXXXX XXXX Credit Cards XX/XX/XXXX TransUnion XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX NJ XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX Employers : XXXX XXXX  Employers : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The incorrect items were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX was XX/XX/XXXX,, 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 unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX XXXX XXXX bought debt from a delinquent medical bill account that had been closed for years. They reported this bill in their name as delinquent so now it is showing up on my credit report twice. The original company, and their debt - which is the same debt. This caused my credit to plummet out of nowhere resulting in a chain of credit companies I'm actively using lowering my limit, thus effecting my credit more. I have been working for the past 5 years to bring my credit score up. XXXX XXXX has ruined this hard work. 

The claim that I owe them this money is absurd and should be illegal.
Product: Mortgage

Carrington Mortgage changed my mortgage with out telling me and brought my mortgage from {$1300.00} to {$1700.00} and that one month I was a week late for my mortgage.

After contacting CFPB they allowed me a modification but they are holding onto my CA Mortgage Relief of {$38000.00}. 
I have tried to contact them but they do not respond. 

I would like them to make the corrections to my credit and sent the money back to XXXX so I can reapply.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting 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 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: 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 consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

15 U.S.C 1681 Section 604A 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 ) ( 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: Checking or savings account

I received a text message from Robinhood that a bank account has been added to my robinhood account however I do not have an account with them. The text message was legitimate because it said I should report it to them by sending an email to XXXX, which is the same email account that they provide on their website. I sent an email and have yet to hear back. They do not have any telephone number where I can call to speak to anyone. Disgraceful that they are not taking this seriously. Would appreciate your assistance as I have no recourse whatsoever being a consumer and not having an account with them.
Product: Vehicle loan or lease

Wells Fargo auto reported late payments in XXXX and XXXX of XXXX. I was not late in making payments. I had a final loan balance due of XXXX dollars in XXXX of XXXX with accumulated late charges of approximately 800 dollars, they said in order to continue making payments on only the late fees they had to leave a balance of 1 dollar to keep the account open. My last payment for the loan was paid in full in XXXX of XXXX. They reported 30 days late with a balance of 1 dollar for XXXX and XXXX. I tried mailing info to dispute center at wells fargo and no response, I tried disputing through  XXXX  and they closed the account and left the late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX Representative : Delete the dispute notation from my credit report I have previously requested you delete all addresses on my profile that I see reappear again on my profile. Also, delete all the above addresses & * ph. # business info as well. 

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, credit repair services, or other personal consumer reports

In XXXX I filed a Chapter XXXX with XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX ( XXXX ) XXXX, this Chapter XXXX was XXXX on XX/XX/XXXX. 
My wife and I applied for a loan refinance to lower our interest and get cash out for a vacation after XXXX. We were informed by our loan agent with XXXX XXXX  that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX Texas ( XXXX ) had a bad debt listed on my credit report, for {$21000.00} and that Wells Fargo Bank our mortgage carrier had placed a lien on our home. We were never contacted by Wells Fargo concerning the alleged bad debt that XXXX XXXX was claiming we owe, we find this rather XXXX and since its Wells Fargo! 

A XXXX representative said that their company bought the debt back in XXXX, obviously the company bought bad debt. I was never contacted by XXXX XXXX by phone or mail from XXXX through XXXX. If XXXX had contacted me I would have told them that the debt they were trying to collect has been XXXX in a Chapter XXXX ( {$23000.00} ) Wells Fargo should not have allowed a lien to be placed against our home this has cost {$12000.00} cash out, Wells Fargo should have contacted us about the company approaching them with some alleged bad debt.
Product: Credit reporting or other personal consumer reports

My credit score XXXX XXXX has steadily declined over the course of a year. The scores that I have been receiving are not matching my credit history. During this time I have been approved for multiple credit cards from XXXX XXXX bank. XXXX credit card in XX/XX/XXXX and another in XX/XX/XXXX. My credit card payment history, currently with XXXX active accounts with low balances and low limits and also little history of late payment has been consistent with credit building positively but my scores from XXXX Transunion and XXXX continue to decline and are inconsistent with my credit history. The scores are unbelievably low. This began in XX/XX/XXXX after being approved for unsecured credit cards which were not store brand cards. In addition I am having Adverse Information appear regarding student loans which have been XXXX for over a year and which are now closed, and which were previously in deferral or forbearance which are affecting my score as well.
Product: Credit reporting or other personal consumer reports

Company removed from XXXX credit file but did not remove from my XXXX XXXX was notified with a letter from westlake portfolio management but XXXX said they were never notified.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX 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. 2025-CFPB-0002 ) 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. Here is a list of the accounts that is on my report. 

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, credit repair services, or other personal consumer reports

I have been sued by XXXX XXXX BANK and set up payment arrangements with the firm how is it still showing up on my credit report as negative.
Product: Checking or savings account

I have recently created this account and charged one of my clients {$19000.00} for my consulting service. Chase Bank has closed, my merchant account for my consulting company, XXXX XXXX, due to concerns about high chargeback or dispute rates on XX/XX/2024. As soon as I got the email for this i contacted a branch manager, he stated that this has to be solved with the chase internal team and he gave me a number to call. After reaching out they have told me to submit an appeal with all necessary documents which I have done, they have later rejected the appeal with no legitimate reason. Till this day on I still call chase trying to solve this issue, and they never could give me details on how to correct this issue.
Product: Money transfer, virtual currency, or money service

One main financial support on telling me false advertising. It is on my credit report. XXXX XXXX never wanted and XXXX on my credit report. I called told them I didn't want that.
Product: Checking or savings account

I was trying to open an checking account with Wells Fargo I currently have no issues with them as of in now they sent me a rejection letter stating that I should check my credit report which I did and It has nothing on it that is suspicious on it that should raise a red flag on all of my reports I also check XXXX XXXX I have no bad checking accounts on file with them I had or any other banks. I had checking account with them in the past when I closed it was in great standing also as far as I'm concerned when applying for a checking account they should not be checking my report I did not volunteer that for that especially if it is checking account that is unethical business practices they can't even gave me a clear reason as in why my checking account application can't not be approved.