23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I scheduled a payment plan to pay {$150.00} on XX/XX/30. On XXXX, they took that payment and an additional {$1100.00} from my account. Taking my entire stimulus payment and leaving me in the negative. My rent check bounced and my other utility payments that I had set to clear the first week of XXXX will also bounce. XXXX XXXX XXXX  ... we cant do anything, call your bank. Ruthless predators that are taking advantage of people during a pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of the financial crisis in  XXXX , I was hit hard after just purchasing a home. I got married in  XX/XX/XXXX and moved to a larger home since we both had children. My old home was listed for sale but did not sell since property values were dropping. I used two  XXXX  credit cards to help pay for electric and heat and mortgage while I tried to sell it. One account rose to over {$12000.00} and the other to over {$17000.00}.   The two accounts were written off a few years ago. This past year, I tried contacting them to " settle '' in order to improve my  credit score. I hi red an attorney to help me with this. The attorney pointed out that th e Statute of L imitations had expired on both accounts since my last payments on both accounts were in  XXXX . I filed disputes with the  three credit bureaus. One removed the two   XXXX  accounts from my file. Two others,  XXXX  and Transunion, have not done so. I have filed disputes each of the last three months. The dates they show of last payment are incorrect. They have provided my attorney with true and accurate earlier dates. I have advised them of this and both accounts continue to show in my reports. I need them removed. I have specifically pointed out that the date of last payment they show is incorrect and I have told them they need to check, update, and remove. I believe they have not checked, but simply looked at the erroneous date and accepted is fact. What they should have done is researched the date of last payment, fixed their errors, and removed the two accounts from my reports.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the XXXX submitting this complaint and there is no third party involved. 
I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
Ramirez v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Re : Notice of disputed charge to Account XXXX. XXXX XXXX XXXX XXXX Dear Sir : I am writing to dispute a charge of {$200.00} to my credit account on Chases XX/XX/XXXX statement. The charge is in error because the account was closed in XX/XX/XXXX and paid in full XX/XX/XXXX. Im requesting for the charge plus any interest to be permanently removed. Im also concerned that Chases continuous charges will be reported to the credit bureaus and negatively affect my credit. 

In XXXXXXXX XXXX XXXXXXXX, I received a statement for {$99.00}. In XXXX, I spoke with Chases customer service that transferred me to dispute representative XXXX that transferred me to XXXX, dispute representative. In XXXX, a {$50.00} credit was attached to my account from an overcharge dispute in XXXX XXXX  XXXX, but Chase attached to my account {$49.00}. Since XXXX, interest has been attached to {$49.00} and as of today the charge is {$200.00}. 

In addition to XXXX telephone conversations, a letter was sent disputing the charge and I requested the removal of {$110.00} on XX/XX/XXXX statement. On XX/XX/XXXX, Chase Credit Card Service, Customer Service, XXXX XXXX XXXX XXXX, XXXX, Delaware XXXX, received the letter, USPS, tracking no. XXXX, I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Student loan

I applied for borrowers defense to repayment in XX/XX/2021. I accidentally checked no to the administrative forbearance piece on the application asking if I wanted the loans in administrative forbearance. I have recently realized my loans serviced by Nelnet could have been in forbearance this entire time. ( Didnt read carefully enough when I applied ) My school is on the list of schools in the XXXX XXXX XXXXXXXX XXXX and since they are commercially held XXXX XXXX, if the case results in loan forgiveness, I wont get any of this money back, so I want them placed into administrative forbearance until there is a resolution. Ive called both Nelnet and the Department of Education several times with each telling me they cant do anything and placing responsibility on the other. I filed a complaint with the Federal student aid Ombudsman and got a cookie cutter we cant help you email telling me yet again to deal with Nelnet. I responded to the email as it stated I could do and received no response. They just closed the complaint. I really could use some help getting resolution to this matter if you can please assist. I do not know where else to turn.
Product: Credit reporting or other personal consumer reports

i am now requesting proof of the previous investigation, I'm asking that you send your method of investigation along with all records of who you spoke with their business address name and phone number as well as documentation that proves this account was late. if you can not provide me with this information in 15 days update this account to paid/never late and send me a copy of my updated credit report. 

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

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent them numerous letters disputing XXXX XXXX being fraudulently on my account and they have not removed it i also told them to request proof that of me either filling out information or me personally showing my id getting the auto loan they have not did anything to remove this dispute off my account
Product: Credit card

I am writing to formally dispute inaccurate and fraudulent information on my credit report. I am a survivor of XXXX XXXX, and certain accounts and debts were incurred under duress without my knowledge or consent. These accounts do not accurately reflect my financial behavior and were established as a direct result of criminal activities committed by those who exploited me. 

Legal Protections and Applicable Laws As a consumer, I am protected under various sections of the Fair Credit Reporting Act ( FCRA ) and other relevant legislation : 1. Section 605B - Blocking of Information Resulting from Identity Theft ( 15 U.S.C. 1681c-2 ) : Credit reporting agencies are required to block any information resulting from identity theft, including cases of human trafficking.

2. Section 609 ( e ) - Information Available to Victims ( 15 U.S.C. 1681g ( e ) ) : Victims of identity theft have the right to obtain copies of business records relating to fraudulent transactions.

3. Section 611 - Dispute Resolution Procedure ( 15 U.S.C. 1681i ) : Credit reporting agencies must investigate disputed information and correct or delete any inaccurate information.

4. Section 604 - Permissible Purposes of Consumer Reports ( 15 U.S.C. 1681b ) : Any entity requesting a consumer report must have a permissible purpose, and fraudulent inquiries must be removed.

5. Section 623 - Responsibilities of Furnishers of Information ( 15 U.S.C. 1681s-2 ) : Entities furnishing information must ensure its accuracy and investigate disputes.

6. The Consumer Financial Protection Bureau ( CFPB ) guidelines emphasize handling disputes involving human trafficking victims fairly.

7. Trafficking Victims Protection Act ( TVPA ) : This provides protections for victims of human trafficking, allowing them to clear fraudulent financial records resulting from their victimization. 

Disputed Accounts : XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXXXXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX  Additionally, there are incorrect addresses and personal details on my report that I request to be corrected. 

Request for Action Please remove these items from my credit report under the provisions outlined above. I have included the necessary supporting documentation. I request written confirmation that the disputed information has been removed and a copy of my updated credit report. 

I also request : Rapid Rescoring : My credit score should be rescored quickly after corrections. 
Direct Disputes with Furnishers : I have also contacted the furnishers and expect them to verify or correct their data. 
Demand for Written Verification : If accounts can not be verified, they must be deleted per FCRA guidelines. 
Suppression of Inaccurate Data : Inaccurate data should be suppressed immediately to prevent further damage. 

Thank you for your prompt attention to this matter. Please ensure full compliance with federal laws and guidelines from the CFPB.
Product: Credit reporting or other personal consumer reports

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 dispute from the consumer or reseller. 


Account Name XXXX XXXX  Account Number : XXXX -- Inquiries -- XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I send an accuracy investigation letter to all 3 credit bureaus last month for an account that shows up on my credit report for XXXX Account # : XXXX XXXX  quickly deleted this account as they can not validate this debt. the other 2 bureaus have left it on..I have done research and if it is deleted by one it should be deleted by all 3 bureaus as they should communicate this information amongst each other ... ..If XXXX  could not validate this debt and removed it the other 2 bureaus can not either and this needs to be deleted by XXXX  and experian immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX {$14000.00} XX/XX/XXXX XXXX XXXX XXXX- XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$1700.00} XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Account Number : XXXX I recently disputed a item on my credit report. I asked the credit bureaus to verify the account and do a full and proper investigation. However they wrote back and said the account was accurate and they did a proper investigation and closed the account. However after doing my research I found inaccurate information. Which leads me to believe there was no proper investigation done. 

In accordance with fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have a rights 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1 XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX the consumer and natural person have identified information on my consumer report that are a result of identity theft. I did not consent to, authorize nor benefit from any of the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have notified Transunion consumer reporting agency in hopes to resolve this matter, however in response to my request to dispute/ validate the alleged accounts in question. Transunion consumer reporting agency results are verified as accurate without providing me a complete and accurate disclosure of the nature and scope of the investigation that I have requested, nor have they honored my request to block this information Pursuant to 15 U.S.Code 1681c-2 ( a ). Please block and remove these accounts no later than 4 business days after the date of receipt.
Product: Mortgage

After reviewing documents, I have discovered that A mortgage was given to my deceased father without my consent. I am also an owner of the property and since he is dead, no longer has any entitlement to said property ... nor does the mortgage company.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXXXXXX XXXX  XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting

XXXX XXXX XXXX reported that on XX/XX/XXXX I owe XXXX ; however, when I called them they said it was n't my social security number, nor my address. But they sent me a credit fraud report instead of just removing the item. It was n't credit fraud, it was an error on their part, or XXXX part. I could n't fill out the form they sent since I do n't know who is responsible, or if it was fraud at all beyond their own clerical error. I tried to call XXXX, but they were no help at all, and they said they could n't remove the information.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding the unauthorized reporting of my educational record by XXXX to consumer reporting agencies ( CRAs ) XXXX, XXXX, and Equifax. I am deeply concerned about the violation of my privacy rights and the lack of proper authorization for XXXX to disclose my personal information to these agencies. 

On XX/XX/2024, I previously lodged a complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning XXXX 's unauthorized reporting. Despite my efforts to rectify this issue, XXXX continues to report my educational record without my consent. I reiterate that I have never provided written permission to XXXX to report my information to any CRAs. 

Furthermore, I wish to highlight that there is no valid promissory note or negotiable instrument establishing any debt owed to XXXX. The alleged promissory note provided by XXXX contains inaccuracies, including a phone number that does not correspond to mine, indicating that it is fabricated. I maintain that I have not entered into any contractual agreement with XXXX, nor have I provided authorization for them to report my personal information to CRAs. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b ( 2 ), any disclosure of consumer information to CRAs requires explicit written permission. I demand that XXXX provide documented evidence demonstrating that I have granted them such permission. Failure to produce such evidence will be considered a violation of federal law. 

Moreover, I draw attention to the provisions of 15 USC 6801, which stipulate that my personal information must be kept confidential, protected from unauthorized access, and maintained as private. XXXX 's actions in disclosing my educational record to CRAs without my consent represent a clear violation of this statute. 

Furthermore, I am prepared to take legal action against XXXX for their fraudulent activities, including the forging of promissory notes and the unauthorized reporting of my personal information. I have already initiated legal proceedings against XXXX for violations of 8 USC 1324c, and I will not hesitate to include the CRAs as co-defendants in any legal action if they continue to facilitate XXXX 's unlawful practices. 

In light of the seriousness of these violations, I request prompt intervention by the CFPB to ensure that XXXX ceases its unauthorized reporting and that all erroneous entries related to my educational record are promptly removed from my credit reports. 

I appreciate your attention to this matter and look forward to a swift resolution. 

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

Accounts and addresses are reporting inaccurate my credit report
Product: Credit reporting or other personal consumer reports

I filed a FTC Report # XXXX for possible identity theft. I also contacted the creditors and credit bureaus. Via mail and phone several times. With no resolution. These inquiries are hurting my credit. I also placed a fraud alert... I did not apply for credit with any of these companies! I need these inquiries removed immediately... 

Inquiry an date : 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
Product: Debt collection

This Morning,XX/XX/2024z, National Credit Systems called me at XXXXXXXX XXXX and left a voicemail. They again called at XXXXXXXX XXXX  and left another voicemail. This is harassment. I could not fully catch the callers name but it was the same person both times. I have the call log and voice messages saved.
Product: Debt collection

Hello, I am receiving repeated, threatening calls on an average of every XXXX minutes and feel harassed. Claiming non payment as well as wrong information reported on my credit report after a credit protection claim was allegedly in effect on my account. I respectfully request for this issue to be handled asap. Thank you!
Product: Credit reporting or other personal consumer reports

I reviewed my credit profile on XXXX, 2025 and I noticed inquires I do not recognize. Additionally, I also noticed personal information that doesn't belong to me.
Product: Checking or savings account

On Tuesday XX/XX/2021, {$8900.00} USD was withdrawn from my bank account from SoFi, I do not have a SoFi account or know anyone that have one. Additionally, I received {$100.00} USD from XXXX. I did my own research and the {$100.00} was their sign-up promotional. I did not authorize the sign-up for XXXX. I have contacted my bank, and now I would like to file a complaint about SoFi and XXXX. I never authorized any of it, I don't even know the XXXX  account that was supposedly made under my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

chase opened XX/XX/XXXX closed XX/XX/XXXX chase   opened XX/XX/XXXX opened XX/XX/XXXX ( authorized user )