23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am currently under contract with a date to close of XXXX XX/XX/2021. I have already had a preapproval and all other overlays or requirements taken care of with significant documentation provided to get a clear to close. Realizing that the appraiser may not make it out in time to do the secondary appraisal after all required items were fixed, we had filed for an extension until XX/XX/XXXX. As my realtor sends the signed document to the loan officer, it has come to our attention that the loan officer and her entire team had been fired without any notice to any veterans that were working with this loan officer and their team. This information was discovered on XXXX the XXXX. After 24 hours had elapsed from this information, I received a denial of credit based upon false pretenses considering I had already been pre-approved without adding any additional obligations to my credit or debt to income ratio while I was looking for a home or under contract. I had reached out to the loan officer that was working on my file to look for answers. The loan officer alerted me that the company had denied my loan based on the pretenses of her separation of employment with this company. With the additional information that I am not the only veteran that this has happened to since her departure.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these accounts to be authenticated ( A ). I will take legal action against you if you donot validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00}
Product: Debt collection

ATTENTION TO XXXX XXXX  XXXX. I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently submitted a previous report in which was disregarded and was not resolved. I submitted all needed documentation along with my personal information. I am asking this account be removed this account from my file as the amount of {$26000.00}. as Well as another account under the same name XXXX XXXX XXXX being reported as the amount of {$9600.00} does not belong to me. BOTH accounts were fraudulently opened through this company XXXX XXXX XXXX XXXX as someone stole my identity in XXXX of XXXX and XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire BOTH ACCOUNTS. I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter as this is causing major issues yo my personal file and great financial troubles during this time.
Product: Credit reporting or other personal consumer reports

In reviewing my account I noticed that the information that is listed on my credit reports is extremely inaccurate in various fields. While I understand mistakes can happen unfortunately when it comes to financial data and credit reporting this is one industry where mistakes can cost the bearer extreme harm and distress. I request that the correct information be updated in the following fields : Payment History, Last Reported Date, Date Last Active, Date of Last Payment. 

Additionally there are several late payment indicators listed, which make no sense as to the best of my knowledge all payments have been submitted on time. The following reporting periods need to be corrected as paid on time and the late payment indicators removed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. It merits mentioning again, although I understand mistakes can happen the fact remains this misreporting of information to my credit report has caused me serious harm and also constitutes a violation of federal law, specifically 15 USC 1681e ( b ).

This dispute will serve as notice of the inaccurate information that is on my credit reports for this account as well as the opportunity for your company to correct them without any additional action/enforcement on my behalf. The account information on the account in question is listed below : XXXX XXXX : Account # XXXX I have attached a copy of my ID and billing statement for verification purposes.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute Regarding Student Loan Account - FERPA VIOLATION I am writing to formally dispute my student loan ( s ) due to a breach of my personal and financial information in violation of the Family Educational rights and Privacy Act ( FERPA ). My information was compromised without my authorization, and as a result, I am requesting an immediate cancellation and discharge of my student loan debt.

Loan Details : Below are the student loans associated with my account that I am disputing : Given the severity of this breach and its impact on my financial and personal security, I urge you to take immediate action. Please confirm receipt of this dispute and provide a timeline for resolution. 

I appreciate your prompt attention to this matter and look forward to your response. 

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

Opened a Brokerage+ Checking account with Charles Schwab as my employer uses this broker for equity awards. I see two hard credit pulls on my credit report to open this one account. I didn't authorize the second credit pull. On contacting the customer verification team, I was told that the second pull was a mistake and that a request has been forwarded to the team 's manager to look into it/fix it. The turnaround time promised was 7 days. It has been almost two weeks and there have been no updates.
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 XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  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: Debt collection

Good Afternoon, I am unaware of this debt, I did not have the opportunity to dispute this debt, I did not receive proper notification. If in fact you believe I recieved proper notification Please provide the certified mail with a receipt with my signature on it, stating that I received it. 

Debt Collector : Synergetic Communications XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXXX 2012 I received a 90 days in XX/2012 for {$99.00} for my student loans even though I was still in school and have n't yet graduated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 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 statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

XXXX is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed be removed because According to 15 USC 1681 : I have the right to privacy and did not give XXXX written permission to furnish these accounts. 

XXXX XXXX XXXX account # XXXX {$630.00} Account ID : 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 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 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1128. )
Product: Credit reporting or other personal consumer reports

I am disputing the following negative items that continue to appear on my credit report : XXXX XXXX XXXX - {$600.00} XXXX XXXX - {$9800.00} These items remain unverified despite my repeated attempts to dispute them. I have submitted multiple requests, provided detailed information, and followed all proper procedures, yet no corrective action has been taken. This lack of resolution has caused me significant financial difficulty, and the stress from dealing with this issue has deeply affected my mental and physical health. It is unjust to leave these inaccuracies unaddressed while they negatively impact my life. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and transparent credit report. These unresolved items are a direct violation of my rights, and I request immediate attention to investigate and either verify or remove these negative entries from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number  : XXXX This is not mine. 

4. Identity Theft DISCOVERBANK Account Number  : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Debt collection

I received a Collection Bill from ERC ( is a debt collector ) in behalf of XXXX XXXX XXXX for the amount of {$1600.00}. ERC telephone number is ( XXXX ) XXXX. This letter came on XX/XX/2022. 

Immediatelly, I contacted XXXX XXXX XXXX fraud department and filled a fraud document through the internet where I had to write my Social security and other information about me. This was the only way to proceed for a fraud investigation. I don't like to give my personal information but this was the only way to continue. 
They answered and sent me a note that they will respond in 5 days. After 4 days, I received another note, telling me that they will send a document to be filled in the next 21 days. 

At the same time, I reported to XXXX to see if there is a stranger request in my report but they told me that everything is normal. Also, I blocked my account and file an alert. 
I also called my Bank and reported that there was an alert about this situation. 

Yesterday, my wife completed a report of fraud to the police department in the city of XXXX XXXX. 
Today, I have made a report to " XXXX XXXX XXXX XXXX XXXX' with an alert of fraud. 

Thank you very much XXXX XXXX
Product: Debt collection

Debt was paid XXXX/XXXX/2014, Was promise to remove/delete file from XXXX credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an auto loan XX/XX/XXXX through USAA. I had always paid the loan on time and even was paying more than the amount that was due. I paid extra in XX/XX/XXXX which bumped the due date for my next payment to XX/XX/XXXX. USAA sent my auto loan to collections as a charge off in XX/XX/XXXX. They never notified me before sending the account to collections. USAA had even reported to the credit reporting agencies that I had never had any late payments and payment was current and up to date. I called USAA multiple times and spoke to them on the phone for many hours after finding out about the charge off. I was told by the USAA bankruptcy department that even though my account was current and not late, it had been charged off due to account inactivity and there was nothing they could due to correct the information. I paid off the account and now, over 2 years later, it is still showing up on my credit report as a charge off. I contacted them recently to try to resolve the issue again, but they responded that they have insufficient information to investigate the problem. I have screen shots and my checking account statements to support my information, but all my auto loan statements are mysteriously missing since XX/XX/XXXX and I have no access to them. I also have phone recordings of my conversations with the USAA bankruptcy department that can verify this information.
Product: Credit reporting or other personal consumer reports

Please block and remove these inaccurate accounts being reported on my credit report. This must be done as soon as possible.
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX XXXX, XXXX XXXX From : XXXX : XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ] Report # XXXX This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments are inaccurate. Please Investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I also respectfully request to be provided proof of these alleged items specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late please update my payment history to PAANL, status ( paid as agreed never late ). And supply a corrected credit report to any creditors who have requested a copy of my credit report in the last six months. 
I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 
It Is my understanding that you must validate these items with the reporting creditor for aaccurac, please remove any information that the creditor can not verify. I know this must be completed within 30 days of receipt of this letter, or you must remove the incorrect information. 
Please send an updated copy of my credit report to the above address.
Product: Debt collection

I just received an update from Experian on XX/XX/18 in reference to a dispute that I began processing in late XX/XX/2018 for a XXXX XXXX XXXX XXXX Account. Per the Fair Credit Reporting Act, The Experian credit reporting agency can not, under any circumstance, report information that I as the consumer have told them is inaccurate. The agency is behaving in a biased manner against myself and have greatly favored a paying debt collector over myself. After multiple efforts of Experian being unable to furnish an original written agreement and validation of the physical verification which would otherwise support their statements of the debt belonging to me, this credit agency continues to be in support of the debt collector and is willing to continue to be in violation of the Fair Credit Reporting Act. 

I have mentioned this same complaint to the agency on more than three previous occasions that the information is unverifiable and they are in violation of the FCRA sections 609, 611 & 623. Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post to my credit report. Per FCRA 611 ( 15 U.S.C. 1681 ) Experian continues to be in violation of the law. Also reference the FCRA section 623 ( a ) ( 1 ) ( C ) : Experian must also utilize reasonable procedures to assure principal accuracy of all information in my credit report 15 U.S.C. 1681e ( b ). Experian has yet to prove to me that this account is accurate valid and indeed belongs to me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Bank Processing Delay : My payment was made on time, but a delay in XXXX XXXX XXXX internal processing led to the payment being marked as late. I have attached my bank statement showing the payment date and transaction details to support this. 
System Error : The XXXX XXXX XXXXXXXX online system had a technical error, which caused the payment to be marked late despite the payment being submitted before the due date. This has been acknowledged by their support team, and I have included documentation of this interaction. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Debt collection

With SEVERAL INCONSISTENCIES ( shown below ) reported on XX/XX/XXXX and XXXX account how could this be accurate? Please delete immediately I have received documentation from Dyck Oneal but on the file that was sent to me has false information reported. 

1. The address reported on the file i never resided at this location. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 2. E-signature is invalid. Please provide a valid basis bearing Consumer wet-ink signature ; 3. The Bank information reported on this Authorization Form is incorrect. I never had a XXXX XXXX  Account i am requested the information 1 ) Please provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, an Insurance Claim or selling the purported debt to third party debt collector ; 2 ) Please provide me a verified certificate of authority, and/or proof that your company are licensed to collect in my State ; 3 ) Please provide a Statute of Limitations expressly authorized by the agreement ; 4 ) Finally, please provide an affidavit signed under Penalty of Perjury that Collector or any agent ( s ) acting on their behalf has not violated any portion of the Fair Debt Collection Practice Act.
Product: Money transfer, virtual currency, or money service

Around XX/XX/XXXX i was scammed by an online scammer who posed as a young woman who is knowledgeable about trading and investing in crypto. she advised me to invest in this Fraudulent company named XXXX XXXX XXXXXXXX. After I Invested a large sum of money both she and the company stopped all forms of communication with me and i was unable to withdraw my funds. I lost XXXX XXXX which is XXXX USD
Product: Credit reporting or other personal consumer reports

This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX