23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update this immediately in my report : DEPTEDXXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The XXXX XXXX findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2016, I purchased a sectional from XXXX XXXX XXXX in XXXX, IL. When the item was delivered it was damaged and it had bed bugs. I incurred a cost because I had to fumigate. The item was immediately returned. I was refunded for the item. XXXX XXXX requested I come in to reselect an item. I went in reselected but I was told the item would not be available for two months. I was ok with this because my home was under construction and I was XXXX  at the time. I received a call in XXXX of XXXX  from a XXXX XXXX representative indicating that my item was discontinued therefore it would not be delivered therefore I was told that I needed to come in and reselect.By this time I was frustrated and had no interest to purchase from XXXX XXXX. I was also undergoing a XXXX XXXX XXXX with XXXX XXXX so I was in and out of hospital. My focus was my baby. I never received an item from XXXX XXXX XXXX nor did I go back to XXXX XXXX. I am currently trying to purchase a home and this is affecting my credit. I have reached out to Great American Finance and the only thing they can tell me is that the item was delivered. I have gone to XXXX XXXX XXXX and they tell me that their delivery guys is an independant company. I have asked for proof of signature on who received the item and I have not been provided with such. I have been back and forth with Great American Finance they are making no effort in investigating the matter and XXXX XXXX is not making any effort to help me solve this matter. Great American Finance hung up the phone on me. Again I never received an item from them. They started sending me letters recently to settle but I don't owe them money if I never received an item. I had no idea this was on my credit report until I ran my credit in light of trying to purchase a home. This is the only item affecting me.
Product: Checking or savings account

Axos bank is withholding XXXX from me. I have tried to pay bills and they have been declined. I tried writing a check and it was declined. My debit card no longer works. I messaged the bank and they will not help me and or give me access to my funds which I need urgently.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX / XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, Public Record : XXXX XXXX bankruptcy filing Docket Number 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Help, Help, Help. 
Arvest Central Mortgage Co. promised me that the attached letter would be sent to all the Credit Bureau Companies. The following is a new complaint about XXXX Credit Bureau Company : The XXXX Credit Bureau Company insists on ruining my credit score and having my credit report full of false information. My Credit Monitor Company, XXXX, notified me today on XX/XX/2021, that the XXXX Credit Bureau Company on XX/XX/2021 had lowered my score. The reason is that I have too many delinquent or derogatory accounts. I do not have any derogatory accounts ; I repeat, I do not have any delinquent accounts. No other Credit Bureau Company has lowered my score. In fact, they received a letter from the Mortgage Company " ARVEST, '' and they immediately updated their systems, and my accounts with them do not show any delinquency or Derogatory. I am attaching all the official letters for the investigation. I worked hard all my life to maintain a good credit score and to have an excellent credit report. XXXX Company must stop building its decisions on false information. The company has to change back my score and report to where they used to be. 

Now, Arvest must ensure that the XXXX Credit Bureau Company received the letter and updated their system concerning my information, score, and credit report.
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 significant inconvenience and financial loss, and I seek appropriate redress for these regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Delete hard Inquiries, 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 or other personal consumer reports

Experian is reporting an inquiry which is over 2 years. The following inquiry is over 2 years : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am getting Discover Credit Card statements with my credit Score on them. 
They use transunion. I confirmed with them that they show my information as blocked and were confused why they were getting that info from XXXX XXXX. They said to call them. 

XXXX XXXX- forced me into a text service for customer support. 
They had no idea how, with a credit freeze, Discover was getting this information. They then asked me for my private info, ( which they're own text service instructions said not to give that over text service. ) So I gave up with them. 
My question is how is XXXX XXXX giving my credit score information to Discover? I have confirmed my credit information is Frozen.

Doesn't Frozen mean Frozen?
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report on XXXX is showing that a credit card account was opened with Capital One Bank on XX/XX/2021 with my name added. Also Capital One Bank reported to the credit bureau that I live in XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX while my address is in XXXX XXXX XXXX 
After talking to Capital One Bank, they have indicated that they do not have any records of a credit card under my name or social security number. 
I also spoke to XXXX who informed me that will do an investigation with Capital One Bank and request to straighten the records
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 in ( MONTHS REPORTING LATE ) 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. 


( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Re : Dispute of Inaccurate Information on Credit Report I am writing to formally dispute several inaccuracies in my credit report that remain unresolved, despite my prior attempts to address these issues. My experience reflects many of the problems cited in the Consumer Financial Protection Bureau ( CFPB ) s recent lawsuit against XXXX ( Case No. 8:25-cv-24 ), including : Failure to Conduct Reasonable Reinvestigation : XXXX has not adequately investigated the information I disputed. Specifically, it appears that critical evidence and supporting documentation I submitted were ignored. 

Mischaracterization of Disputes : XXXX dispute process misrepresented or oversimplified the basis for my disputes, leading to insufficient and erroneous resolutions. 

Inadequate Results Notification : The results of the reinvestigation provided to me were unclear and contradictory, failing to identify what information was updated, if anything, or whether the inaccuracies I disputed were corrected. 

Failure to Delete Inaccurate Information : The inaccurate information I challenged remains on my credit report, which directly contradicts Experians obligation under the Fair Credit Reporting Act ( FCRA ) to ensure maximum possible accuracy of consumer reports. 

Disputed Accounts Below, I have listed the inaccurate items along with details of the disputes : XXXX XXXX XXXX Issue : I have no knowledge of this account, this account does not belong to me. 

XXXX XXXX XXXX Issue : I have no knowledge of this account, this account does not belong to me. 

Possible XXXX XXXX  Issue : I have no knowledge of this account, this account does not belong to me. 

XXXX XXXX : I have no knowledge of this account, this account does not belong to me. 
Bridgecrest Issue : Inaccuracies in payment history XXXX Finance Issue : Inaccuracies in payment history Supporting Documentation I have attached screenshots to support my dispute. 

Legal Obligations Under the FCRA Under the FCRA, you are required to : Conduct a thorough and reasonable reinvestigation of disputed information within 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ).

Accurately communicate all relevant information I provide to the furnishers of the disputed accounts ( 15 U.S.C. 1681i ( a ) ( 2 ) ).

Remove or correct any information found to be inaccurate, incomplete, or unverifiable ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ).

Provide clear and accurate results of the reinvestigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) ).

Request for Resolution I request that you : Immediately delete or correct the disputed items in my credit report.

Provide me with a complete and clear explanation of the results of your investigation.

Notify me of any reinsertion of deleted items as required by law.

Failure to address these issues may leave me with no option but to pursue further action, including filing complaints with the CFPB and considering legal remedies.

I expect your response within the 30-day statutory period. Please send the results of your reinvestigation to my address listed above. 

Thank you for your prompt attention to this matter. 

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

My credit score is incorrect; and I am unable to get Equifax to correct it. It is currently reporting at least XXXX points LOWER than other credit reporting agencies and ALL are displaying the same information. I believe that my score is purposely being suppressed.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the Equifax data breach, and I've discovered unauthorized inquiries linked to my profile. 

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: Credit reporting, credit repair services, or other personal consumer reports

My Credit report with transunion shows enquiries that i did not authorize & must be deleted as these enquiries were not authorized by me. 

1. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX MD XXXX ON XX/XX/2018 2. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, NJ XXXX ON XX/XX/2018 3. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX ON XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, My complaint is regarding the credit reporting agency Equifax. Around XX/XX/XXXX I began not receiving an Equifax credit score. I was informed of this upon receiving a denial for a mortgage. The information provided was that the company was unable to provide me with a score. This is my second complaint as the first one was unresolved and I still do not have the correct information with equifax. 

I then reached out to Equifax to see why this is happening. After a while of back and fourth on the phone, the support staff assured me in 2-3 days this would be fixed. After a few more months goes by I checked online through their portal where I received an error code XXXX  and informed me to contact Equifax which I did. 
I let them know I was still unable to review my score and I was receiving this error. 
I was again reassured that the problem had been corrected on their end and it will take a few days. Well this went on for another year constantly calling Equifax explaining the same problem and it was always something different. They say they can see my Report and score on their end, which they did provide me with a copy of the report last time I called early XXXX this year. However my information and score is still unavailable for banks, services or myself to see. 

The last time I spoke with them early XX/XX/XXXX they said to send in verification of where I live and who I am. Which I did. I then received a letter stating everything was complete on their side. To this day nothing has been corrected. I am Not able to buy a house and I am Denied credit for agencys that pull from Equifax. This is hindering my every day life but not having a score available for other institutions. 
My other 2 major reports are just fine its only Equifax. It appears no one from Equifax is able to assist and understands what is going on. While searching this online it appears this is a common problem and needs support. Please help.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX RE : Demand for Removal of Late Payments on Credit Report SS # : XXXX Re : Notice of Dispute Pursuant to Section 611 ( a ) of the Fair Credit Reporting Act Section 168 of FCRA law ( s ) info on the report does NOT match my records.

I demand this item to be DELETED from my credit report ASAP.

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injurious to my consumer report and I request that you correct this information immediately. The information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX The late payments never happen. Delete account under FCRA XXXX Under Section 168 FCRA this Late Payments Dated XX/XX/XXXX and XX/XX/XXXX does not match my records nor the original creditors records to what reflects on my credit report there-fore this item MUST be deleted under this law. If not, Attorney Costs & Court Action will follow. 

My consumer report is extremely valuable to me and I wish to advise you that willful non- compliance is a violation of Section 1681n of the Fair Credit Reporting Act. I assume 30 days is a reasonable amount of time for your investigation. After your investigation please provide me with an updated credit report as well as the names addresses and telephone numbers of the individuals that have been contacted. 

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

Experian has failed to fufill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Payday loan, title loan, personal loan, or advance loan

The company never provided any statements or information about my loan and I had no idea what was going on. I was never provided statements once I went into repayment in XXXX. I had no idea I was even in repayment or had a payment due. 

XXXX XXXX requires them to provide me statements and they failed to do so.
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 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 this creditor has violated my rights.

under 15 USC 16.81 section 602 states I have the right to privacy. 15 USC 16.81 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against TransUnion regarding inaccurate address information on my credit report. Despite my previous attempts to resolve this issue directly with TransUnion, the incorrect address remains listed on my credit report. I request your assistance in rectifying this matter. 

Despite providing these documents, TransUnion has not updated my credit report to reflect the correct address. This inaccuracy is affecting my creditworthiness and causing unnecessary complications in my financial affairs. 

I request that the CFPB investigate this matter and ensure that TransUnion updates my credit report to reflect my correct address. Additionally, I would appreciate written confirmation once these corrections have been made and an updated copy of my credit report sent to me.
Product: Mortgage

I have a mortgage and my mortgage company collects escrow and pays for my property taxes out of that escrow. Unfortunately, they collect the escrow but fail to pay the taxes, resulting in my being delinquent in my taxes and being fined by my town.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern. 
My name is XXXX and since XX/XX/2008 or so I have been a victim of ID Theft. There are some Banks on my credit report that are either my family 's or opened by ID theft. I received information on how to dispute items opened by ID THEFT from the CFPB Website. I used that template and made an FTC Affidavit & Report Number : XXXX. I also signed the dispute letters and received a response saying I did not send this in myself or authorize it. But I did authorize this dispute from XXXX & EXPERIAN. I have not received any response from XXXX, the Tracking XX/XX/XXXXis XXXX XXXX
Product: Debt collection

My credit report is showing multiple collections, one from Jefferson Capital System XXXX, and one from XXXX XXXX XXXX XXXX XXXX. I did not receive written notification about this debt so I never had a chance to dispute on my behalf. I am requesting debt validation according to 15 USC 1692g I am requesting the original contract I signed guaranteeing that I pay this debt, a detailed list of the history of payments made on this debt, has there been an insurance claim made on this debt, proof that you have chain of title to collect on this debt. Without providing any of this information I am requesting this debt be removed immediately.