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

XXXX, XXXX, AND XXXX are inaccurately reporting the account ( WORLD FINANCE COMPANY XXXX ) as a debt when it is income. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate and it must be removed! 
15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 
Not only is this account reported as a charge off ( income ). In the Comment section of the XXXX consumer report, this account is listed as " medical '', ONLY on this XXXX consumer report and not the other two. The reported income is not related to anything Medical and therefore is inaccurate. 
WORLD FINACE COMPANY account MUST be removed from my consumer report! 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, & XXXX are not maintaining reasonable procedures. 
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' WORLD FINACE COMPANY the financial institution and the Consumer reporting agencies XXXX, XXXX, & XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to WORLD FINACE COMPANY whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' WORLD FINACE COMPANY never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 

I have attached a screenshot from Publication 4681 ( 2023 ) from the IRS, as well as, the associated World Finance Company account that is inaccurately reported on my consumer reports
Product: Student loan

I " consolidated '' my student loans in XXXX2016 however the loans are not truely consolidated in order to accommodate government repayment plans keeping subsidized and unsubsidized loans separate. I have a current document showing this however when I took out my pension to pay off the unsubsidized loans because of the insane interest accruing I was denied from Navient how to allocate " MY '' money and they told me they would pay a percentage towards each loan 13 subsidized and unsubsidized. Keeping my unsubsidized loans open so they will continue to accrue insane interest and Navient makes it Very diifficult to pay off.
Product: Checking or savings account

Trying to close my savings and checking accounts with Capital One but it seems to be impossible to contact this bank. Phone line has a line for hours and keeps getting disconnected, and no other ways to contact are offered. 

Please close my Capital One bank accounts : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an account that is reporting many inaccuracies to my credit reports and and in violation of the FCRA.
Product: Debt collection

A loan company called Santanda I had in XXXX. The car was totaled in an auto accident and I claim was paid by my insurance company I had at the time. They are reporting that I owe them over {$4000.00} more and report this to the credit bureau that I am still late on payment for all these years. Obviously, its ruining my credit. This is a violation of 15 US Code 1681 ( 5 ), removal of inaccurate invalidated credit information. Please remove this information immediately. Thank you very much. XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$130.00}, XXXX XXXX XXXX Balance : {$600.00}, XXXX XXXX Balance : {$65.00}, XXXX XXXX Balance : {$430.00}, XXXX XXXX XXXXXXXX Balance : {$920.00}, XXXX XXXXXXXX Balance : {$890.00}, XXXX XXXX XXXX XXXX : {$380.00}, XXXX XXXX XXXX Balance : {$10000.00}, XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$220.00}, XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/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

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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 or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXXValidate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX FIN Account Number : XXXX Please remove it from my credit report. 

XXXX Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$670.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX - XXXX - XX/XX/XXXX - {$140.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$45000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$650.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$210.00} XXXX XXXX  - XXXX XXXX XX/XX/XXXX - {$19000.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TOO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC1663A CREDITOR MAY NOT TREAT PAYMENT PN A CREDIT CARD UNDER ANY OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Product: Mortgage

My mortgage was sold on XX/XX/2017. I found this out when I logged in to view my tax documents. I received no notification for the company selling my loan nor the company who purchased it. I called the seller company and asked who they sold it to, They claimed it was XXXX, however the customer service number they gave me belonged to XXXX. I called both companies and neither one have my SSN on file or any information about a transferred loan. It is almost time to pay my next mortgage payment and I have no other ways to track it down. What should I do?
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Experian has failed to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. Despite my multiple attempts to dispute inaccuracies, Experian has left inaccurate and/or unverifiable accounts unresolved, negatively impacting my credit profile and financial stability.

Experians handling of my dispute aligns with systemic failures recently highlighted in the Consumer Financial Protection Bureaus ( CFPB ) lawsuit against Experian. According to the CFPB, Experian has a pattern of : Failing to forward consumer-provided evidence to furnishers for review ; Accepting unreliable or incomplete responses from furnishers without adequate verification ; and Failing to provide consumers with adequate notification or details regarding the outcomes of their disputes. 



These issues are consistent with my experience. Despite providing clear documentation to support my dispute, Experian has neither corrected the inaccuracies nor removed unverifiable accounts. Additionally, I was not informed of how my evidence was reviewed or why the dispute was denied. This lack of transparency and due diligence violates the FCRAs requirements for a fair and reasonable reinvestigation process. 



I am requesting the CFPBs intervention to ensure that Experian complies with federal laws, conducts a thorough reinvestigation of my dispute, and provides a clear resolution to these issues. Their failure to uphold their legal responsibilities has caused ongoing harm, and I urge swift action to address their noncompliance.
Product: Credit reporting

I manage my credit regularly. I went on line to the XXXX agencies to dispute the items and the system they use times you out and you can not log back in to finish.. Equifax is the worst one.There is a XXXX credit card on my report it belongs to XXXX XXXX XXXX , I am not responsible for this credit card or am I a signer on the account, we do have a loan together for the XXXX XXXX XXXX . Also there is a reporting from XXXX on a returned check. That Item was paid in XXXX XXXX by a XXXX XXXX. I had to pay the debt in order to obtain a job in the insurance industry. Also there is reporting of a financial services collection included in a bankruptcy in XXXX, How can it be listed in the negative reporting as of XXXX if it was absorbed in a Chapter XXXX Bankruptcy in XXXX. Also the XXXX XXXX XXXX shows that my account was charged off. I fully paid the auto loan off in XXXX XXXX. I tried to file on line and via phone but find it is extremely difficult to correct my credit with these agencies. There is also a XXXX collection that is not mine. My medical records have been stolen and my Identity compromised. I have full medical and all my bills are paid 100 %. I have done my due diligence in trying to contact these agencies to file a dispute and it is extremely difficult. Now when I call or go on line it states the information I provided does not match their records. I believe I know who I am. Please advise on a solution I have been working very hard to bring my credit in order and correct all the items on my report. I am trying to qualify for a home and this is delaying my approval. Not to mention that my report in impacting my XXXX XXXX and trying to get my XXXX. Also it states my name is XXXX XXXX, I changed my name back to XXXX in XXXX. My reports should state formerly know as XXXX XXXX. I do n't want to be attached to my ex husband XXXX XXXX XXXX, he has a and continues to have terrible credit history. Thank you for you time in reading my complaint. XXXX XXXX XXXX
Product: Credit card or prepaid card

On or about XX/XX/XXXX I noticed a XX/XX/XXXX charge on my account for {$100.00} by XXXX I did not at the time recognize the charge. I contacted Bank of America ( BofA ) to inform them of this unknown charge. The account was closed, my account credited {$100.00} for this change. On XX/XX/XXXX BofA sent me a letter indicating the matter resolved. 

On XX/XX/XXXX I respond to a correspondence from XXXX. They reminded me that I did in fact make a purchase for {$100.00} from them under the name of XXXX 's XXXX. Since the account was closed I offered to pay him immediately with my new BofA card. He processed the payment. 

On XX/XX/XXXX BofA charged my account for {$100.00} indicating that the original charge was not fraudulent. On XX/XX/XXXX I contacted BofA to inquire about XXXX being credited. After more than an hour of phone transfers through multiple departments I was told that XXXX would be credited. A week later I contacted XXXX to inquire if they had received such a credit ; he told me no. I contacted BofA, again I was transferred though multiple departments, asking for proof that the payment to XXXX was made. BofA was unable to provide me with proof nor offered any help resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$1600.00} ; XXXX XXXX XXXX Balance : {$320.00} XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/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

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly investigate and correct the disputed account from my Credit Report. The Credit Reporting Agencies continued to report this account as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the account is investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THIS ACCOUNT! I do not believe I am late on the dates this account reports. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

NARRATIVE After reviewing my credit report in XXXX| noticed several unfamiliar accounts and a large loan I hadn't applied for. At first, I thought it was a mistake, but after contacting credit reporting agency, the truth hit someone had stolen my identity. The thief had used my personal information to open credit cards and rack up thousands in debt. I felt violated and overwhelmed, facing months of sorting through fraud claims and trying to repair my damaged credit. What seemed like a routine check turned into a nightmare of nancial recovery and stolen trust. Finally accounts were removed except this One in particular XXXX credit card, in the amount of XXXX dollars Account Number : XXXX thief created an falsified email, home address, phone number and also made payments to legitimizer the 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, delete, nor correct any information. I'm requesting to be removed immediately as it's affecting my chances of getting { house, car, apartment }. Experian violates my rights as a consumer, as well as fede laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a Trans Union Report stating that the disputed XXXX account was verified, paid late collections. It states on the Trans Union report that I paid on XX/XX/XXXX, and debt is closed. 
This is inaccurate information STILL being reported on my credit report and needs to be taken out immediately. 
I am requesting TransUnion to show me the bank paid check or any payment with my name and account number that i made such payment. To date, Trans Union has NOT provided any proof. 
I can provide my bank statement to show proof that I DID NOT MAKE ANY PAYMENTS ON XX/XX/XXXX. I can provide proof for the XX/XX/XXXX Calendar year I made no payments to XXXX. This information is all being made up by TranUnion and or Creditor XXXX. As being disputed multiple times before, I made all my payments on time and account closed. There should be no negative XXXX items reported at all. 
Let me know where you want me to send my proof. My Point is, TransUnion IS NOT Checking or verifying anything with my report and this XXXX account. I have been hurt in scores and unable to purchase a home because of so many errors found on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, 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. Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX