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

I am submitting this complaint because inaccurate, inconsistent, and/or unverifiable information has been reported on my credit file by one or more credit reporting agencies ( CRAs ). I have attempted to resolve these issues directly with the credit bureaus and creditors but have not received proper resolution. The errors in my credit report are in violation of several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and CFPB guidelines regarding medical debt reporting. Below is a summary of the issues and legal violations involved : Violation of FCRA 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in consumer credit reports. However, my credit report contains : Inaccurate Account Details : Discrepancies in account type ( e.g., Charge Off vs. Unknown ), past due amounts, and account statuses across XXXX, Experian, and XXXX. 
Inconsistent Reporting : Accounts are being reported differently across the credit bureaus, which demonstrates a failure to meet accuracy standards under FCRA 1681e ( b ).

Violation of FCRA 611 ( 15 U.S.C. 1681i ) : Despite disputing the inaccuracies and inconsistencies in my credit file, the credit bureaus have failed to properly investigate and correct the errors. The law requires credit reporting agencies to : Conduct a reasonable reinvestigation of disputed items within 30 days.

Remove or correct any unverifiable or inaccurate information. The lack of resolution violates my right to an accurate and fair credit report.

Metro 2 Compliance Violations : Metro 2 compliance standards establish uniform reporting guidelines to ensure accuracy and integrity in credit reporting. The errors on my credit report suggest that creditors or data furnishers are not properly adhering to these standards, particularly regarding : Consumer Information Indicators ( CII ) : Improperly coded account statuses.

Compliance Condition Codes ( CCC ) : Incorrect reporting of account balances, dates, and payment histories. This failure to comply with Metro 2 standards exacerbates the inaccuracies on my credit file.

Violation of CFPB Medical Debt Rule : Under the CFPBs 2025 rule, medical debt is prohibited from being included in credit reports. Despite this regulation, my credit report continues to reflect medical collections that should no longer be reported. Medical debt is often inaccurate or the result of billing disputes, and its inclusion violates both federal law and the CFPBs intent to protect consumers from unfair credit practices. My information was also impacted by the XXXX data breach. I demand these accounts be deleted immediately. Failure to address these violations and remove these accounts will result in further action, including escalation to regulatory authorities and legal remedies under the FCRA.
Product: Credit card or prepaid card

Please refer to previously filed complaints : CFPB Case XXXX and CFPB Case XXXX This is my third and final attempt to resolve this amicably with Capital One. I am willing to provide a copy of my driver 's license, proof of residence, but I will NOT provide a copy of my Social Security card. If they continue to request that, I will be filing a complaint of potential fraud and potential identity theft with the Federal Trade Commission and the Office of the Inspector General. As stated by the Social Security Administration there is absolutely NO reason to present a copy of the physical card. They are adamant in the fact the actual card is not an " identification document '' and it should not be shared. I have attached both a copy of my driver 's license and proof of residence to have an immediate resolution of this issue. I have also attached documents from the Social Security Administration. Furthermore, it is a violation of the Privacy Act to deny individuals for their refusal to provide their social security account number.
Product: Credit reporting or other personal consumer reports

My report shows certain inquiries that do not appear XXXX meet the requirement of permissible purpose as outlined in XXXX XXXX XXXX. I believe these inquiries were unintended, XXXX  I am requesting their removal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Fraudulent Account 15 USC 1692 Dear XXXX I am writing to formally dispute a fraudulent account that appears on my credit report. This account is unauthorized, and this result of identity theft. 
Fraudulent Account Details : Creditor : XXXX AUTO Account Number : XXXX Reporting Agencies : o XXXX XXXX XXXX XXXX Equifax I request that you investigate this is a fraudulent account and I have filed an FTC report, I want this to be removed from my credit report. I have not authorized this account, and it is negatively impacting my credit score. 
I have attached copies of my identification, and any supporting documentation related to this matter. Please confirm receipt of this letter and provide updates regarding your investigation. 
Thank you for your attention to this serious matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit reporting or other personal consumer reports

My vehicle was declared a total loss on XX/XX/XXXX after an accident. I was in regular contact with XXXX XXXX, the dealership where I purchased the car, expecting my warranty to be waived and my loan balance to be updated accordingly. 

Despite this, XXXX XXXX incorrectly reported late payments on my credit report for XXXX ( 30 days late ), XX/XX/XXXX ( 60 days late ), and XX/XX/XXXX ( 60 days late ). 

Key Facts of the Issue : 1. On XX/XX/XXXX, I made my final scheduled car payment. After that, I completed all required paperwork and steps related to my total loss by late XX/XX/XXXX. At that point, I was under the impression that my loan balance would be adjusted accordingly, and no further payments were necessary. 
2. XXXX XXXX did not process the warranty cancellation until XX/XX/XXXX, leaving an incorrect outstanding balance on my loan for months. 
3. XXXX XXXX did not contact XXXX XXXX until XX/XX/XXXX, despite the total loss being reported in XXXX. 
4. The final payment was sent from XXXX XXXX to XXXX XXXX on XX/XX/XXXX, clearing my account. 
5. Despite this, XXXX XXXX reported late payments to the credit bureaus, damaging my credit score. 

This was not a failure to pay on my part. It was a processing delay between XXXX XXXX and XXXX XXXX. If the warranty had been waived promptly in XXXX or XXXX, my balance would have been adjusted correctly, and no late payments should have been reported. 

Requested Resolution : - Immediately remove the late payment marks for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit report. 
- Ensure my credit history is updated correctly to reflect on-time payments. 
- Provide written confirmation that the incorrect late payments have been removed from all three major credit bureaus ( XXXX, Equifax, XXXX ). 

I have already attempted to resolve this issue directly with XXXX XXXX, but they have refused to correct the inaccurate reporting. If this issue is not resolved promptly, I will escalate further. 

The confirmation of XXXX XXXX 's outreach to XXXX XXXX on XX/XX/XXXX and XXXX XXXX processing on XX/XX/XXXX was provided verbally in phone conversations with both companies. I request that XXXX XXXX review its internal records of customer interactions to verify this information. 

Attached Documents for Proof : - Proof of total loss date ( XX/XX/XXXX ). 
- Proof of my XX/XX/XXXX payment. 
- Proof of a {$0.00} account balance with XXXX XXXX This issue has caused unfair financial harm, and I expect immediate corrective action.
Product: Money transfer, virtual currency, or money service

venmo stole USD XXXX from me! 
customer support refuses to help in order to resolve anything they say respond to ticket so and so which I do not have! they only send me copy paste messages! they are very well trained scammers to exhaust their customers so they give up on their funds! but I will not! if I have to take this to the FBI I will this company must be taken down by law enforcement!
Product: Mortgage

I have a mortgage account with Bank Of America in which I open on XX/XX/XXXX. I have made every payment on time since the account was open in XX/XX/XXXX. In XX/XX/XXXX I filed for chapter XXXX bankruptcy with a lawyer in XXXX, PA. I then change my mind and had my lawyer to dismissed the chapter XXXX bankruptcy. The chapter XXXX bankruptcy was never implemented or went into bankruptcy court. The judge signed the chapter XXXX dismissal from the lawyer. Bank Of America should never have closed my account. The bank will not give favorable credit ratings to the XXXX credit reporting agencies. I have ask Bank Of America to correct my account and they said they will not. Bank of America send negative and inaccurate information about my account to the XXXX credit bureau on me and my wife although I 've paid every payment on time since XX/XX/XXXX. My wife and I have a XXXX ( low ) credit score because of Bank of America.
Product: Debt collection

THIS DEBT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX AND ALL COMMUNICATION HAVE CONTINUED AND CREDIT REPORT REFLECTS DELINQUENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an auto loan on my account that was with XXXX XXXX XXXX XXXX. It was included in my now XXXX XXXX XXXX bankruptcy, surrendered to a third party, my ex husband. XXXX XXXX XXXX XXXX did not file a reaffirmation agreement with the court. The ex husband made a separate agreement with XXXX XXXX XXXX XXXX to pay off the vehicle and has been paying it, in fact paying it off this month. XXXX XXXX XXXX XXXX continues to reflect this negative reporting on my credit, I have disputed with Experian 4 times and XXXX XXXX XXXX XXXX XXXX time. I have also an open dispute with XXXX as it appears they reported it accurately in XXXX but XXXX XXXX XXXX XXXX reported it again negatively in XXXX. It is shown accurately on XXXX reporting " included in bankruptcy ''. I will continue to fight this until the XXXX credit bureaus show it accurately as " included in bankruptcy '' as XXXX XXXX XXXX XXXX is being deceptive and lying in that they have a separate payment arrangement made with my ex husband, that has nothing to do with me as surrendered the vehicle in XXXX. This is wrong, and it is damaging to my credit reporting preventing me from being able to obtain financing on a new home. As a single hard working mom, I will always fight for what is right to defend my home, my son and our livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/XXXX I Financed a car thru XXXX XXXX XXXX, and I also got GAP insurance. Around XX/XX/XXXX the I was in a car accident and the car was totally. So I called my insurance company and my Gap insurance to file a claim. And for GAP insurance to Process your claim you must be up-to-date on your payment. so my GAP insurance paid the car off. But American credit acceptance informed the creditbureau it was a Delinquent account and it also charge off, but update it to paid charge off. They also wont do real Investigation.  They sent me my payment history. No notification on how they perform the investigacion or the outcome. And they Refused to investigate the matter. I received a letter from them in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Stating that they would not investigate when they did not do one. And the Information reported to the credit reporting agencies is correct.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened XXXX XXXX account number XXXX date XXXX XXXX, and XXXX XXXX account number XXXX date XX/XX/XXXX and a collections account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.
Product: Debt collection

XXXX XXXX XXXXXXXX and ideal debt collection has falsely placed falsified information on my credit. I have called the both parties and neither have or are willing to explain to me how I owe the money. On line four of the lease it states that we are to pay XXXX for rent, XXXX for trash and XXXX for water totalling XXXX. Also on the utility page. They have given a copy of ledger proving that we paid XXXX  every month. XXXX has written a letter stating that this charge is not valid for XXXX XXXX the other person that was listed on the lease however she wants to make me fully responsible for the debt again without showing how I owe. I've tried many times to have a conversation with XXXX but she would scream, why are you calling just pay me the money. I have email conversations proving that XXXX from the debt agency she doesn't understand the charges either but XXXX refuses to remove even after proof that the debt false. I'm willing to furnished all documentation I have referred to. 

Ideal collection services, Inc XXXX XXXX XXXX XXXX, FL XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX
Product: Debt collection

I have called several times to obtain copies of the legal documents that they obtain the debt lawfully, and they have the original statements that verify the account history/age/first delinquency, etc. They have said every time they sent it but I never received it. It seems to me that they are playing hard to get since there are only a couple of months left until they can not longer report the accounts to my credit report because it's going to be 7 years since I became past due.
Product: Credit reporting

I was able to view my Experian Credit report online and investigate negative information. At this time when I try to enter in my information though experian.com the site will NOT let me view my information. And Experian will not let me investigate my negative information.
Product: Credit reporting or other personal consumer reports

I want all NON MAILABLE " addresses to be removed. 
the only address that should be on my REPORT IS " XXXX XXXX XXXX XXXX '' XXXX CT XXXX. 
I WANT ALL PHONE NUMBERS REMOVED EXCEPT " ( XXXX ) XXXX '' I WANT ALL EMAILS TO BE REMOVED EXCEPT " XXXX '' ( 15USC1681 ) ( B ) inaccurate reporting I WANT ALL DISCHARGES OFF MY REPORT BECAUSE IT IS NOW A CERTIFICATE OF INDEBTNESS WHICH IS CONSIDERED TO BE INCOME.

15-USC-6805 RIGHT TO OPT OUT WHICH YOU DID NOT INFORM ME OF. 
I ALSO WANT TO OPT OUT OF EXPERIAN BUT I WANT THEM TO REPORT. 
GIVING OUT MY PERSONAL INFORMATION TO " ANY '' THIRD PARTY AFFILIATES VIOLATES MY RIGHTS UNDER THE FAMILY EDUCATIONAL RIGHTS PRIVACY ACT OF 1974.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this violated my rights under 15 USC 1681section 6 o 2 states I have the right to privacy 15. USC1681section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 uscs 1666ba creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Talk to the landlord because i put in an application they didnt accept me because i have and eviction on my back ground thats clearly says dismissed so now they dont wan na rent from me because thats popping up on there i ask TransUnion can they dispute the problem so i can be able to rent from landlords cause i have kids i need to be in a place my background is perfect i just need some WHRE to live. The landlord dont wan na tell me the reason i wasnt accepted they say its going to be in a letter i told them how ima get the letter if Im not at that address they told me they dont know they just dont wan na rent from me at all cause that pop up from the TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I get letters and calls frequently about a debt that is not mine. ( company name and logo showing through the cellophane envelope, which is a violation of 15usc 1692b and 15usc1692f ) Sending unsubstantiated claims around in the mail demanding money may be considered mail fraud. It is currently codified as 18.U.S.C. 1341, 1343 and covers both mail and wire fraud. All of my student loans are consolidated and in repayment ( never late/ paid on time ). Pursuant to 15 usc 1692g ( a ) ( XXXX ), I requested the amount of the alleged debt, and how the amount of this alleged debt was calculated.
Product: Credit reporting or other personal consumer reports

I wrote letters to Equifax on XX/XX/2023 expressing my concern about 2 accounts that have been reporting inaccurately for the entire year. I provided a copy of my credit report, as well as identification. I have spoken with the lender about my actual balance, yet it is still being reported inaccurately after numerous attempts to dispute the account. I requested to have the accounts removed from my credit report as a part of my rights under the FCRA, as there were a significant amount of inaccuracies, some of which are still being reported. This inaccurate reporting by Equifax is effecting my well-being with being able to purchase a home. Equifax updated some of the account information and now one of the accounts is even more inaccurate. The other still has a significantly higher balance than what is actually owed on the account.
Product: Credit reporting or other personal consumer reports

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau on XX/XX/XXXX. Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

On XX/XX/2018 I submitted a cease and desist letter to my mortgage company, Carrington Mortgage Services, requesting all future communication and requests concerning my account be submitted to me in writing. I called Carrington today to inform them that I have not been receiving monthly mortgage statements nor can I access them on my online account. I was informed that my cease and desist request prevents Carrington from producing and providing my monthly mortgage statement in any form. I believe this practice violates my rights as a mortgagee and am submitting the this complaint.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. XXXX ) XXXX XXXX XXXX  ) ustomer 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 a XXXX was unfair and deceptive, as they XXXX XXXX XXXX XXXX comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.