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

Experian has failed to fulfill 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 failing to adequately notify consumers of dispute outcomes. 

These failures align with my experience, where Experian has neither corrected nor removed these 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. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable Investigation of disputes. 

Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. Below is a list of accounts I have marked as inaccurate ; 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: Checking or savings account

business checking was said to be compromised and put on deposit only status. account was put on restriction for 5 months for an unknown reason. New accounts opened with all the proper credentials. but then abruptly closed due to no signature card but signature card was in possession of bank manager. all XXXX  payments were stopped and can not be made. letters from bank manager for discrepancies in account but band manager claims to not have sent them. credit card terminal applied for but never received. possible violation of the safe banking act due to business converting to new products. bank tellers encouragement to close account and go to another bank. numerous lock outs and password resets
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry notifications on my credit report. 
on XXXX, I received several notifications via email from XXXX for hard inquiries on my credit report. I logged in to XXXX to see what hard inquiry I had and didn't initiate any of the 4. 
1 was JPMCB- XXXX XXXX was XXXX XXXX with no contact company information. 
1 was XXXX XXXX XXXX XXXX was XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous 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 INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX TRANUNION LLC CONSUMER DISPUTE CENTER XXXX XXXX XXXX  XXXX, PA XXXX Subject : Dispute of Fraudulent Account Identity Theft Dear TRANSUNION, I am writing to formally dispute a fraudulent account reported by XXXX XXXX on my credit report. The details of the account are as follows : Creditor : XXXX XXXX Account Number : XXXX ( XXXX ) Account Type : XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00} I believe this account is fraudulent and does not belong to me. I did not authorize this account, and I am a victim of identity theft. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation into this matter and the removal of this fraudulent account from my credit report. I have also filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft, which I am including as supporting documentation. 
Please find attached copies of the following documents : 1. FTC Identity Theft Report. 
I would appreciate your prompt attention to this matter and request that you inform me of the results of your investigation. 
Thank you for your assistance in resolving this issue. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

requested written verification that this was my account, collection agency said the creditor did not due contracts.
Product: Debt collection

Dear CFPB : A collection agency, XXXX XXXX XXXX or XXXX sent a standard form letter advising I owed XXXX {$30.00}. I disputed the debt and requested they provide validity of the debt. They subsequently sent the same standard letter provided the first time. 

As a result, I provided evidence that the debt was paid in full over a year ago and again asked for concrete proof that an additional {$30.00} was owed. Instead of providing the additional evidence, they forwarded the debt to another collection agency ; the account number, amount of debt are all the dame, excpept a new debt collector, Diversified Consultants XXXX Inc., is now assigned. 

It appears the debt collection is a scam or sham. The debt collectors are in violation of the Fair Debt Collection Practices Act. Instead of providing validity of the so-called debt that is in dispute, they simply transfer collection responsibility. The end result I am being hassled with having to enforce my rights against a bogus claim which is wasting my time and energy. 

In addition, they are not in compliance with the 30 day notification requirement. They date their correspondence one day and the postmarked is a much later date and by the time I get the mail I have XXXX14 days to respond. I ask that you investigate these companies as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX Amount Due : {$30.00} Creditor Account # : XXXX CCS File Number : XXXX XXXX XXXX or XXXX Diversified Consultants , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX Amount Due : {$30.00} Creditor Account # : XXXX File Number : XXXX thank you very much for your assistance and cooperation in this matter. If you have questions please let me know.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification that credit report changed, when I logged into my account it said I had XXXX new hard inquiries one from XXXX XXXX and XXXX from XXXX. I contacted XXXX and they told me a credit card was taken out in my name and they closed it and reported it as fraud. They then told me it came from Experian and I needed to contact them to have the inquiry removed from my credit report. I have tried many times to call Experian and I sent them an email. They never responded. I called XXXX financial as well I was transferred 6 times was on hold for over an hour then was asked to leave a voicemail, 2 days later I received a voicemail back from them saying to call them back and stay on hold to talk to someone. I can't stay on hold for hours at a time I do work.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

In XXXX of XXXX I purchased furniture using an XXXX XXXX Credit Card. There was a promotional 24 months same as cash offering. I set up my bank account to pay on the first of every month. In XXXX of XXXX I was traveling and did not open my statement. The bank paid the {$150.00} as usual on XX/XX/XXXX. The credit card company received it on XX/XX/XXXX. On XX/XX/XXXX at XXXX I got a robocall to call Synchrony bank. I called immediately. I was told I had " underpaid my account ''. When I stated I had paid it the same as every month I was told " your promotion ended ''. I was really surprised and told them I was sorry and paid the balance immediately. They then told me they had added {$3500.00} to my total, meaning the interest rate was now 48 %! When I got to customer service they told me that IF I had called 24 hours earlier I would have been in the grace period and not had to pay the interest. So..they knew for 12 days that I had underpaid my account and WAITED until it was too late for me to pay my balance to call and tell me I owed more money for that month. This is unbelievable. I spoke to 6 people and they agreed that they could have called, but the waited. This in horrible business practice. It was not like I waited 6 months. I paid it immediately!
Product: Vehicle loan or lease

I visited a dealership in order to buy a car. The fact that I was taking part in a car purchase for the first time put a lot of strain on me. There was always some sort of sales pitch. My personal credit was also checked and inevitably pulled without my permission during the purchasing procedure. 
When I learned that a down payment was required for the transaction to buy the automobile, it changed the type of car I had originally wanted.
Product: Vehicle loan or lease

Captal One has placed my account as if I am not paying my monthly bill which is incorrect I have requested nicely to change my due date to the XXXX of every month and they have done nothing to correct this now Im in collection for not paying my monthly payment attached you will see I have made 14 payment which is the amount of month I have the loan and were never a problem instead they are placing my account in late states without reason because when i took loan I advised then that my check and my spouse comes on the XXXX  so my due date was requested with the date of XXXX of every month to no avail. Need help with capital one to correct my credit report and to correct the due date to the XXXX of every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been an ongoing Identity theft Issue with fraudulent accounts and unverified accounts still appearing on my credit report after they were reported as identity theft via a police report and FTC report. There are numerous accounts being inaccurately reported in addition to the fraudulent accounts not being removed after numerous attempts to do so. Equifax, XXXX, and XXXX are violating federally protected consumer rights by reporting fraudulent and unverifiable information as accurate with no proof of the method of verification being provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX pulled my student loans out of deferrment. Sent me a letter stating i was 90 days late and they had reported it to the credit bureau. I contacted navient and told them my loans were fedral loans and that per the President of the United States i shouldn't be making payments. I was told the loan was a commercial loan and didnt qualify for that. I have never had a commercial loan EVER with a student loan because i didnt have the credit or capacity to do anything other than federal grants and aids. I explained that my loans went into default and i went through the process of making payments a few years ago to get them back in good standing, and that recently i started trying to pay interest only payments while in deferrment but nothing else happened on the loans. No one would tell me why my loans were switched to a commercial loan only that they were. I paid my loans all " current '' XX/XX/2021 with a {$410.00} payment and {$140.00} XX/XX/2021 and when i pulled my credit today XX/XX/2021 navient is reporting i am 2 months 90 days past due. They are lying and moving loans around to put me in default, please please help me.
Product: Payday loan, title loan, personal loan, or advance loan

I just felt over charged, and they demanded payment.
Product: Bank account or service

US Bank and XXXX XXXX violated NJ and federal law by forcing a buyer of a real estate property ( XXXX XXXX ) to purchase title insurance using the sellers title company.
Product: Credit reporting or other personal consumer reports

XXXX complaint experian handled today on on an issue THERE STILL WORKING ON since XXXX of 2022, THIS FRAUDULENT XXXX XXXX COMPANY is predatory and will do anything to keep scores low
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX - XXXXXXXX XXXX XXXXXXXX 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

XXXX Bank Bank hired Lloyd & McDaniel , PLC to collect on a debt allegedly owed by a Mississippi resident. Lloyd & McDaniel , PLC became an agent and third party vendor of XXXX Bank at that time. XXXX XXXX XXXX is a XXXX law firm with no physical office in Mississippi. XXXX XXXX XXXX issued form letters, which were not signed by an attorney and/or anyone in the XXXX. This practice likely results from no attorney review and/or oversight prior to the form correspondence being sent. This suspicion is supported by the fact that numbers and/or amount owed and/or settlement offers varied up and down depending upon them being sent via form correspondence or later in the case by email from an actual attorney. XXXX XXXX XXXX failed to issue the required validation notice. XXXX XXXX XXXX filed a one-page form Complaint, which was deficient as it failed to incorporate necessary attachments. When the deficiency was pointed out, XXXX XXXX XXXX continued to push for a default judgment instead of amending and correcting the Complaint. At hearing, XXXX XXXX XXXX hired local counsel, who stated to the XXXX he did not have settlement authority. Upon information and belief, XXXX XXXX XXXX does not ever attend hearings- they practice in Mississippi via remote representation using local attorneys who are not given settlement authority. When XXXX XXXX XXXX 's failure to send the required validation notice was raised, XXXX XXXX XXXX did not provide a copy of the notice but continued using the XXXX system to try to obtain default and/or summary judgment - all while the original Complaint remains deficient and never amended. This action supports the XXXX 's failure to have timely sent the letter ( otherwise, why not simply provide a copy? ). XXXX XXXX XXXX 's use of form letters, form pleadings, and bullying tactics to obtain default and/or summary judgment through remote representation is tantamount to abuse of process. XXXX XXXX XXXX 's actions and/or inactions since being hired by XXXX Bank are collectively illegal collection practices geared towards obtaining the highest number of default judgments with the highest balance possible but with the least amount of work per case. XXXX XXXX XXXX 's actions and/or inactions since being hired by XXXX Bank are unfair, deceptive, and abusive. XXXX XXXX XXXX 's actions and/or inactions since being hired by XXXX Bank are designed to confuse the least sophisticated consumer, including many consumers who are unable to hire counsel to represent them. It is probable that the form correspondence and pleadings being used by XXXX XXXX XXXX are being used across Mississippi and Kentucky against unbanked consumers who ( i ) can not afford representation, ( ii ) would not realize what the validation requirement is, ( iii ) and/or recognize a deficient Complaint. XXXX Bank is responsible for XXXX XXXX XXXX 's actions and/or inactions as XXXX & XXXX XXXX XXXX Bank XXXX XXXX and third-party vendor.
Product: Debt collection

CFPB TAKE NOTICE, THAT THE CEASE & DESIST WAS RECEIVED BY XXXX XXXX XXXX  VIA CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX ( c ). OF THE FDCPA STATUTE IS CLEAR. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the XXXX XXXX XXXX XXXX XXXX addressed the scope of a consumer 's cease and desist request under Section 1692c of the Fair Debt Collection Practices Act ( FDCPA ). The court clarified that such a request obligates the debt collector to cease all forms of communication with the consumer regarding the debt, including communications with third parties like credit reporting agencies. This interpretation underscores that a consumer 's cease and desist request under Section 1692c requires the debt collector to halt all communications related to the debt, including those with third parties such as credit reporting agency THE FDCPA DEFINES COMMUNICATIONS AS TO INCLUDE ANY AND ALL FORMS, IN ANY MEDIUM OR FORMAT TO ANYONE INCLUDING MYSELF OR ANY THIRD PARTY. IT STATES ALL COMMUNICATIONS AND COLLECTIONS ATTEMPTS MUST CEASE. IT ALSO STATES THAT A CONSUMER HAS A RIGHT TO REFUSE TO PAY A DEBT WHICH I CLEARLY WROTE IN MY CEASE AND DESIST LETTER. COURTS HAVE RULED REPORTING TO CONSUMER REPORTING AGENCIES AMOUNTS TO COLLECTION ATTEMPTS AND AMOUNTS TO THIRD PARTY COMMUNICATION. SO AS DEBT COLLECTION COMPANY ARE GOVERNED BY THE FDCPA, THERE IS NOTHING IN THE FCRA OR FDCPA REGULATIONS THAT GRANTS A DEBT COLLECTORS THE ABILITY TO IGNORE A CONSUMERS RIGHTS WHEN A CONSUMER IN WRITTING INVOKES 15 USC 1692c ( c ). THE REPORTING, COMMUNICATING, AND COLLECTIONS ELIGIBILITY CEASES UNDER THE FDCPA WHEN A CONSUMER INVOKES 15 USC 1692c ( c )
Product: Credit card

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX [ Todays Date ] To : Barclays Bank Delaware XXXX. XXXX XXXX XXXX, DE XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX Subject : Formal Response to CFPB Complaint Account Ending in XXXX ( JetBlue Plus Card ) Dear Barclays Bank Delaware, This letter is in response to your recent reply concerning the JetBlue Plus Card account ending in XXXX, which you claim was opened on XX/XX/XXXX, and subsequently charged off and sold to XXXX XXXX XXXX. I appreciate your acknowledgment that the account was charged off on XX/XX/XXXX, and sold, but I remain in full dispute of the reporting and responsibility for this account and request that it be removed from my credit reports based on the following legal and regulatory grounds : 1. Continued Reporting Post-Sale Is Misleading ( FCRA 15 U.S.C. 1681e ( b ) ) While youve stated the account reflects a {$0.00} balance and sold status, its continued presence as a charge-off remains materially misleading and punitive. The Fourth Circuit held in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) that a furnisher may be liable under the FCRA when technically accurate but incomplete or misleading information is reported. 

When an account is sold to a third party, the original creditor is no longer legally owed the debt, and continued derogatory reportingeven with a {$0.00} balancecreates an inaccurate and damaging impression to future creditors. The FCRA mandates maximum possible accuracy, and this reporting fails that standard. 
2. No 1099-C Issued Possible IRS and Reporting Violation Since youve confirmed that the account was charged off and sold, this meets the criteria for cancellation of debt under IRS guidelines XXXX Yet, I have not received a Form 1099-C as required under IRS Code 6050P. A creditor that cancels {$600.00} or more of debt must issue a 1099-C to both the debtor and the IRS. 

Failure to do so may constitute a misrepresentation of the accounts legal resolution, supporting my argument that the reporting is incomplete, inaccurate, and unfair. If the debt was truly charged off and no longer legally owed to Barclays, there should be a 1099-C issued and no further derogatory marks reported. 
3. Disputed Account and Alleged Electronic Signature Insufficient The fact that you reference an electronic application and signature is not conclusive proof of liability. I never authorized this account, and you have not provided forensic validation such as IP address logs, device IDs, or two-factor verification used during the application. A signature block or electronic entry alone does not satisfy the burden of proof under 15 U.S.C. 1681s-2 ( b ) when a legitimate dispute is raised. 

If you believe I made payments, I request documentation linking those payments to an account or method under my legal name and control. 
Requested Actions
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank and XXXX XXXX XXXX pulled up my credit twice in a month and I did not authorize that
Product: Credit card or prepaid card

I was the victim of a scammer in XX/XX/2020. The scammer asked for a cash advance from my Discover card in the amount of {$10000.00}. Discover never asked me if this was legitimate and went right ahead disbursing it. I didn't find out about it right away. 
My lawyer wrote to them asking for an explanation. They did not reply. They earlier claimed they had investigated this and held me responsible. I have never, ever, asked for a cash advance from any credit card, and certainly should have been asked to approve the transaction. I am a senior citizen and this is a lot of money they expect me to pay. 
This transaction occurred on XX/XX/2020. I will be glad to answer any questions you have.
Product: Mortgage

Dear Consumer Finance Agency, I had filed a complaint with your establishment XX/XX/2022 regarding XXXX and I evidently did not respond accordingly. I will resubmit that complaint, however, this complaint is woth regards to new Rushmore Loan Management Servicer. I am in the midst of stopping the foreclosure on my home, but, have received two different amounts due Rushmore. One is from Rushmore itself and the other is from their XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Both correspondences are dated same. I am attaching documents supporting my complaint.