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

Dear XXXX XXXX XXXX. 

I had previously disputed account data and account status to you. The account listed as Ed. Financial are closed with XXXX balance. I had sent you a dispute and the results of he dispute are inaccurate. You are responsible for the inaccuracies reported and any negative balance details associated with your errors and negligence. You are responsible for verifying the account information and reporting the account status. If the account information, balance and account status continues to be reported inaccurate I will contact an attorney and proceed with an FCFRA lawsuit against XXXX XXXX for willful non-compliance. 

You are responsible to verify the account information with Ed Financial Services. 

1. Account closedXXXX XXXX balance 2. Account balances Please correct the inaccurate information XXXX XXXX
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Debt collection

Improper Use of my consumer credit report This is a third party company trying to collect on a debt that does not belong to me, I am not obligated to pay the debt to this party, I dont have a contract with this company.

VIOLATIONS violated my rights to Privacy15 USC 1692 15 USC 1681 Section 602A Ignoring my Demand to Cease And Desist all actions and communications concerning this company and all company 's under RESURGENT CAPITAL.

These accounts have been sent to three different companies since I have demanded the stoppage of all actions as you will see attached below. 
Did not give me accurate time to dispute these accounts before adding them to my Consumer Credit report Dates are on the attachments to prove they had no intention of allowing me the right to dispute this account thus voiding my RIGHT TO PRIVACY
Product: Credit reporting or other personal consumer reports

I am writing to you out of both frustration and urgency to bring attention to a matter that has caused me undue distress, confusion, and financial hardship. Despite my repeated attempts to resolve an issue directly with Experian, TransUnion, and Equifax, all three of the major credit reporting agencies have failed to remove inaccurate late payments from my credit report, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

This situation is not just about inaccuracies on a report ; it is about my financial future, my peace of mind, and the integrity of my personal information. These late payments that are being reported are incorrect. They do not reflect my actual payment history and have been wrongly attributed to my account. Despite presenting clear and indisputable evidencesuch as bank statements, payment confirmations, and correspondence with creditorsthese agencies have stubbornly failed to correct this information. Their negligence and indifference to their obligations under the law are infuriating. 

Under FCRA Section 1681i, I am entitled to a fair investigation into the accuracy of any disputed information on my credit report. Yet, time and time again, I have been subjected to unacceptable delays, inadequate responses, and a flawed dispute resolution process that neither acknowledges my legitimate concern nor corrects the false information. These late payments, inaccurately reported, have harmed my credit score, affected my ability to secure loans, and severely impacted my financial standing. 



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

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

I have contacted Nelnet and the department of education on several occasions, regarding the discharge letter that I received I'm XXXX of 2022. I am a part of a group discharge for XXXX XXXX as they were found guilty of defrauding their students. I was told that 100 % of my loan would be forgiven and that no further action was required on my part. I also uploaded a copy of my email from the department of education to Nelnet. It has been 2 years since receiving said letter and my loan balance remains. All I want is any information or update regarding this manner and I've been left in the dark.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against LexisNexis concerning their inadequate response to a dispute I initiated on XX/XX/2023. The dispute was raised to challenge inaccurate personal information and a public record, specifically under reference number XXXX, in my consumer disclosure report. 

LexisNexis ' response, dated XX/XX/2023, detailed their attempts to resolve the dispute. They stated that they filed a dispute with XXXX, XXXX, and XXXX on XX/XX/2023, seeking clarification and verification of the mentioned public record. As of XX/XX/2023, they reported no response from XXXX and XXXX. Regarding XXXX, their reinvestigation results indicated that the member number submitted was not recognized, suggesting that the dispute resolution was unsuccessful. 

I am deeply concerned by LexisNexis ' inability to resolve this matter satisfactorily. Their failure to obtain adequate responses from the credit bureaus and their inconclusive reinvestigation with XXXX underscores their inability to address the inaccuracies in my consumer report effectively. 

Attached to this complaint is a copy of my initial dispute letter to LexisNexis, along with their responses, as supporting documentation.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I was made aware of the XXXX XXXX XXXX and was given compensation and free credit reports for the credit bureaus. I have not been able to acquire any free credit reports nor unable to to log into XXXX free service to dispute or follow up or my requests for removal. 

My consumer rights and privacy have been violated. 
I did not authorized these companies to pull my credit report. 
I want these removed immediately or I will sue for the lost time and headache dealing with this. I have attached an FTC XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have been working with this agency, funded by tax payer dollars, since 2011 when I began paying on my student loans. It has been taxing to say the least. There are several ongoing issues that XXXX is unwilling to solve. These are as follows : Six months ( plus ) wait time for paperwork requests, and account questions Lost paperwork Qualifying payments that were once approved are later revoked No follow up after paperwork submission Although I have been diligently paying on my students loans on time and in the full amount requested, I have been met with alleged discrepancies that after two years and countless phone calls, no one at XXXX is able to rectify for me.
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on XX/XX/year>2024 about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC XXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Credit reporting or other personal consumer reports

I am sending to dispute late payment entries that appear on my credit report for the following accounts : XXXX XXXX BALANCED {$420.00} The report indicates that late payments were made on these accounts. However, I have reviewed my records and can confirm that all payments were made on time. I am requesting that the late payment markings on these accounts be updated to reflect my accurate payment history. 
If there is any confusion or if additional information is required to resolve this issue, I suggest you contact me directly or reach out to the customer service department
Product: Money transfer, virtual currency, or money service

Tried to deposit money in my XXXX account their atm was full. I went to PNC bank a co-op of XXXX. On XX/XX/year> I deposited {$200.00} in XXXX dollar denominations. The atm took my money told me to contact my financial institution. A PNC worker was there at the time told me they had no access to their PNC atm. XX/XX/year> called XXXX filed a report for {$200.00}. They closed the report XX/XX/year> saying their was no electronic receipt on their end and they can not access another banks atm, makes sense. XX/XX/year> i call PNC support, they also told me they have access over their atms to go back to the atm branch. XX/XX/year>. Back at the branch talk to the same employee, again he reiterates they have no control and the manager was not there. He also told me their was no number for who does, to call customer support which i'd already done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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
Product: Credit reporting or other personal consumer reports

LexisNexis continues to report an alleged bankruptcy that they claim they verified. I contacted the bankruptcy court and they did not verify this information and pacer release information about thousands of consumers but there is no way to verify it is actually mine because it is a violation of law to release social security numbers are any other identifying information. LexisNexis has 14 days from the date of this dispute to remove the bankruptcy or take this as legal notice you will be sued. I never signed up for your service nor gave permission for you to collect data to release about me. If you do not understand this complaint I urge you to seek legal counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX XXXX XXXX ) claimed I did not make my mortgage payment in XXXX, 2017. 

I made one payment on XX/XX/2017 to XXXX XXXX XXXX XXXX XXXX ( the original lender ) and a second payment on XX/XX/2017 to XXXX. 

I realized at a later date that XXXX had reported my payment as late which is inaccurate. I have reached out to XXXX and the credit agencies several times to get this removed. However, it remains reported late.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate information on credit profile. From XX/XX/XXXX to XX/XX/XXXX as late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Experian credit bureau of an account that someone had opened in my name. I informed them that this was the result of Identity theft and that the account is unjustly hurting my credit rating and ability to obtain credit. 

I asked them to investigate the account and provide me with information and documentation as well as names of representatives that they spoke to at the company that reported the account and to block and delete the fraudulent account from my credit report as required by law and outlined in the FCRA section 605B. 

They failed to accurately investigate the account. They did not send me any information on how they supposedly investigated the theft of my identity and they failed to block or delete the account on my credit report. I have notified them that I will now be seeking legal action to demand the removal of the fraudulent account under Section 616 & 617 of the FCRA.
Product: Prepaid card

A charge was made on my card to '' XXXX '' I contacted " : XXXX and they have no record of any transaction with me. Yet the Vanilla gift card customers service reps claims there is a charge to " XXXX. What is going on. They put a hold on my card and tell me it will not be resolved until XX/XX/XXXX. AND I CAN NOT ACCESS MY MONEY TIL TRHEN. THEY ARE VERY RUDE.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns regarding discrepancies in my credit report. Upon review, I discovered multiple inaccuracies, including incorrect account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These errors are affecting my financial stability, and I require your prompt assistance in resolving them.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Late Payment on Active Account - XXXX XXXX XXXX XXXX I am writing to dispute the late payment reported on my XXXX XXXX  for the following account : - Account Name : XXXX XXXX XXXX XXXX  - Account Number : XXXX - Original Creditor : XXXX XXXX - Date of XXXX XXXX XXXX  : ( Experian XXXX, XX/XX/XXXX ) XXXX XX/XX/XXXX ) I am still an active account holder and have been making timely payments. The reported late payment is an error. I request that you remove the late payment from my XXXX XXXX, as it is inaccurate and negatively affecting my XXXX XXXX. 



Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, I dispute this information as inaccurate. I request that you : XXXX. Investigate and correct this error within XXXX days. 

XXXX. Remove the late payment from my XXXX XXXX. 

XXXX. Send me a revised XXXX XXXX. 



I have attached documentation supporting my claim, including : - Proof of timely payments - Account statement showing no late payments - Copy of credit report highlighting disputed information Please expedite this matter, as the error is affecting my XXXX XXXX. 



Sincerely, XXXX XXXX.
Product: Debt collection

I have reported this account to all the credit bureaus as identity theft. I have also reported it to local and federal law enforcement agencies. Delete immediately. I have been fighting ongoing identity theft for the past 7 years and have numerous accounts that have been opened in my name without permission already deleted from my reports after being investigated and determined to be result of identity theft.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items 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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX - XXXX, XXXX. 
- XXXXXXXX XXXX XXXXXXXX. 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
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 Child Support # XXXX ( Texas Child Support SDU ), XXXX XXXXXXXX # XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 16816 and 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C ( 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 7 years.

15 USC 1681 S-2A1 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.

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.
Product: Debt collection

XXXX This should be deleted is because its not accurate. The DLA is an acronym for Date of Last Activity which translates to the last date you made a payment. ( you never did ) Under the Fair Credit Reporting Act everything on your credit report has to be accurate. 
Businesses are not permitted to publish full credit card numbers on receipts. The law also allows you to protect your Social Security number by having it truncated on your credit report. 
I have the right to be notified if any financial institution submits, or plans to submit, negative information to a credit reporting agency. This information may be included in a billing statement or a notice of default. I was never notified of this collection. Unknow debt. 
I have the right to sue and seek damages in a state or federal court from anyone, such as a consumer reporting agency or a user of consumer reports, who violates the Fair Credit Reporting Act.
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. 
I told XXXX, Transunion, and XXXX to reinvestigate this account : XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

I recently submitted a request that in fact XXXX XXXXXXXX had to open credit cards in my name one ending in XXXX in the other ending in XXXX. We submitted a letter a suit last month and a payment was made in the credit card that was open XXXX XXXX XXXX submitted a letter to XXXX XXXX not crediting the payment that was made for some ungodly reason We are not sure. The account ending in XXXX along with the other ending in XXXX were both open as stated above without XXXX XXXX permission. This account was recently closed and as you know closing a line of credit or loan of credit on a credit card account decreases a credit score. XXXX XXXXXXXX bank needs to resolve this issue as fast as possible as again their issue originally calls me to get declined for a mortgage application. We are furious about this matter and this needs to be resolved ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I ordered my free annual credit reports from all three credit bureaus ( XXXX XXXX, and Experian ). The automated system verified my information, and it stated that I would receive my reports within 15 days. By XX/XX/2021, I had not received my reports. As a result, I filed a complaint with this organization against ALL THREE CREDIT BUREAUS ; however, this organization sent the complaint to XXXX, but it was not sent to the other two bureaus. It is a violation of the law for your organization to interfere ( or allow someone else to interfere ) with the very process you were established to protect! With that said, I am re-filing this complaint, and I expect your cooperation in sending it out to ALL THREE CREDIT BUREAUXXXX and simultaneously. Additionally, when I called the phone numbers provided for all three bureaus to inquire about my reports, they were not truthful, and there were technological issues present at all three bureaus. The technological issues prevented me from ordering my reports.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Product: Debt collection

The company XXXX XXXX XXXX, XXXX send me a letter for a debt collection of {$540.00} in the acc XXXX, that is not the same information that shows in my XXXX report, for example, the claimed debt is under the name of XXXX XXXX XXXX, and they have discrepancy no just in names but in the Adress, the letter showS XXXX XXXX XXXX XXXX VA XXXX and the XXXX info shows another XXXX XXXX . 
I notice on this letter that I do not know any of these companies and I have never done any business or contract with them and my physical signature.