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

i reviewed my consumer reports and noticed that i had a late payments on an account : XXXX  XXXX, XXXX XXXX XXXXXXXX, that i was never late for a consumer reporting agencies have assumed a vital role and a responsibility to report costumer information to be the best of their with maximum Accuracy, please investigate and provide proof with statements showing that these payments were late.If proof cant be provided I demand these payments be updated to on time as they should be as i was never late. Thank
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to urgently follow up on my previous complaint regarding XXXX  failure to provide proof of account validation and their subsequent update of inaccurate information on my credit report. Despite my formal request for verification, XXXX has not furnished the necessary documentation, instead merely indicating that the disputed accounts were updated or validated without substantive evidence via report XXXX XXXX 

Violation of the Fair Credit Reporting Act ( FCRA ) : XXXX  actions appear to contravene the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies conduct reasonable investigations into consumer disputes and provide consumers with the results, including the method of verification. Specifically, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) requires that, upon completion of a reinvestigation, the consumer reporting agency must provide a notice that includes a description of the procedure used to determine the accuracy and completeness of the information. XXXX failure to provide this information hinders my ability to assess the validity of the data on my credit report. 

Recent Legal Precedent : Notably, on XX/XX/2025, the CFPB filed a lawsuit against XXXX for similar violations, alleging that the company failed to properly conduct reinvestigations of disputed information and neglected to delete inaccurate, incomplete, or unverified information from consumer credit files. The CFPBs complaint highlights that XXXX  inadequate handling of consumer disputes is a systemic issue that undermines the accuracy of credit reporting. 


Request for Immediate Action : In light of these developments, I respectfully request the CFPB to : XXXX. Investigate XXXX Non-Compliance : Examine XXXX  failure to provide the required proof of validation and their practice of updating disputed information without proper verification.

2. Enforce Corrective Measures : Mandate that XXXX supply the specific documentation used to validate the disputed accounts or, if unable to do so, remove the inaccurate information from my credit report. 

XXXX. Prevent Future Violations : Implement oversight to ensure XXXX adheres to FCRA requirements, thereby protecting consumers from similar issues moving forward. 

The integrity of credit reporting is crucial for consumers financial well-being. XXXX disregard for FCRA obligations not only affects individual consumers like myself but also undermines the broader financial systems reliability. I urge the CFPB to take decisive action to address and rectify these violations. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

XXXX XXXX
Product: Credit card or prepaid card

I disagree with the settlement offered by Comenity Bank under Complaint IDs : XXXX and XXXX. 

They only reimbursed the interest charge of {$14.00} ( XXXX statement ) stating that XXXX payment was delayed due to address change of their processing department. 

The notification of this address change DID NOT show up until my XXXX statement! Therefore, the XXXX statement interest charge of {$17.00} and the XXXX statement interest charge of {$10.00} should also be credited back! 

The minimum payment of {$35.00} on XXXX was only sent to avoid late charges AGAIN, until Comenity could apply the payments that were delayed due to the address change.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request navient to remove me from their credit reporting. Name spell wrong, DOB wrong. Address wrong
Product: Credit card or prepaid card

This week while looking through my wallet I came across an American Express Serve card that was given to me by my mother on my XXXX birthday on XX/XX/2019. I had received this card as a gift with a {$50.00} balance. When I received this card, I did not contact American Express, download and app, or make any efforts to register or activate this card. Upon looking at this card yesterday, I attempted to verify the balance on said card. When I contacted the company after following the steps on the back of the card I was told that there was a XXXX balance. I inquired how there can be a XXXX balance as the expiration date had not lapsed and I had not made any purchases with said card. The operator relayed that the card was being charged a monthly maintenance fee from the onset of the purchase. I explained this must of been a mistake as my mother had purchased this card at XXXX with the preface that is was a gift card. I asked if there was a way for me to speak to someone regarding having the initial {$50.00} dollars returned as I had never activated the card or registered it, therefore the money should just be sitting in escrow, and what maintenance exactly would apply, theres been no use. I was told, and I quote, there is nothing we can do and no one you can speak to here that can do anything. This card was being sold at a retailer, on an end cap amongst the other gift cards. How can a large company that continues to profit not have a means to rectify a situation in which a consumer purchased a product under false pretenses. As I stated, my mother purchased this card, I did not. I did not agree to any terms, register, or seek assistance regarding this card prior to yesterdays inquiry. What maintenance is applicable. I think its safe to assume my mothers intentions were not to purchase me a piece of plastic to pay and activation fee, put {$50.00} dollars on it for the product to act as a donation tool to American Express. I am looking to speak to someone who can rightfully return my intended gift.
Product: Debt collection

XXXX XXXX XXXX XXXX, ph # XXXX, email : XXXX, has continued to garnish my wages after the debt has been paid in full, and in spite of I making several attempts to contact and resolve this, they have simply ignored my demands and as of now, in consequence I have overpaid over {$1200.00}, in addition to the full debt, which was fully paid. My employer cant legally stop the wage garnishment unless they receive notice from them, and they keep failing to do so. Please help
Product: Debt collection

I was XXXX XXXX XXXX when I was listed as an occupant on the lease agreement. I wasent living there the whole lease term I would stop by a few times and I have spent the night so my aunt decides to move and they have a balance of 1 months rent on my credit and the credit agency is saying that since I was over XXXX at the time she moved out I am being held responsible for the debt! Now that Im trying to get my own place on my own
Product: Mortgage

I have a HELOC with Rushmore Loan Management Services ( RLMS ). RLMS does not allow me to pay down the principle of the loan anytime I want to. It only allows me to add to a monthly payment AFTER it has calculated the next monthly payment. 

I've had this HELOC for XXXX years ( transferred from one service provider to another ) and have not encountered this with my HELOC before. I feel that RLMS is preventing me from paying down the principle so that they can allow interest to accrue on a daily basis and make me pay more interest than necessary.
Product: Debt collection

Despite submitting my request on XX/XX/XXXX and XXXX XXXX  acknowledging receipt on XX/XX/XXXX, I have yet to receive any form of correspondence or information as of today, XX/XX/XXXX. 
The specific account details associated with this dispute are as follows : XXXX - XXXX XXXX XXXX Opened XXXX XXXX, XXXX I demand an immediate and aggressive investigation into XXXX XXXX 's blatant refusal to provide the requested information. This failure to comply with my rights demands swift and decisive action on your part. I expect you to exert your authority and forceful measures to rectify this situation immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The vehicle loan was financed through TD Auto starting XX/XX/XXXX. About 7 months or shorter into the having the vehicle someone stole and totaled the it. After several months of unanswered questions by TD Auto I was finally able to pay off the vehicle in full. Fast forward to today I noticed they marked this as a charge off in XX/XX/XXXX. I have not been able to get any answers as to why this is marked as a charge off. The charge off needs to be removed from my credit report because I had nothing to do with someone stealing and crashing the vehicle. I should not be penalized for this.
Product: Credit card or prepaid card

i left my card at a grocery store.the store threw it away or someone pick it up and threw it away .i reported to citi bank card abt the loss and to receive a new card.they refuse to send me the paper for the card/they lied they were sending the form.it been 3 weeks since I first ask.then 4 days ago another customer service said she be sending me the form for a new card..i said NO.they lied to me to begin with..they been sending me text to an old phone NOT my phone now.even tho I told them I have only ONE cell phone.they refuse to send the text to my phone.they refuse to close my account.
Product: Credit reporting or other personal consumer reports

I did not give expressed written consent to or authorized any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy. Please be reminded, no consent is identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I've requested that the company send me a letter giving permission to report this to my credit profile according to pursuant 10 15 USC 1681-C 2 and they have failed to so. I demand that these accounts be removed promptly from my credit profile within 4 business days. Thank you for your timely compliance.
Product: Credit reporting or other personal consumer reports

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXX XXXXXXXX ( XXXX ) credence resource managercollection agency is a financial institution by definition under that title. 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. '' XXXX XXXXXXXX ( XXXX ) credence resource managercollection agency the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to transunion, experian XXXX, XXXX XXXX ( XXXX ) credence resource managercollection agency 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. '' XXXX XXXXXXXX ( XXXX ) credence resource managercollection agency 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. 15 U.S. Code 1681s-2 ( 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. 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 and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Debt collection

Do not recall the date Wells Fargo Credit Card was issued or the exact date the Account was closed, but Debt was XXXX XX/XX/XXXX via my Bankruptcy ( Sole ). Upon waiting the required 2 years to seek a Home Loan ( Jointly ), the financial institution alerted us of the negative activity on my Wife 's Credit Reporting History. The collection amount detailed was {$4600.00} that was past due. My Wife never received any notice of collection from Wells Fargo. Upon contacting Wells Fargo in XX/XX/XXXX, it was explained that my Wife never filed or requested a Credit Card from Wells Fargo individually, Jointly or as a Co-Applicant. The first Representative of Wells Fargo I spoke with confirmed that my Credit Card Account was closed and XXXX via my Bankruptcy, but the Representative indicated that my Wife 's Debt was also discharge via my Bankruptcy because of our residency in Texas, which is I was told is a XXXX XXXX XXXX and that when I discharge my debts via Bankruptcy the Joint Account with Wells Fargo was also XXXX. However, I explained that I do not recall or remember requesting Credit or Credit Card for my Wife. An official Dispute was filed in XX/XX/XXXX and explained the aforementioned information. I was told the investigation would take 30 days and a decision would mailed. Till this date ( XX/XX/XXXX ) no written response has been received and despite multiple attempts by telephone I have not received a decision or a course of action from Wells Fargo.
Product: Credit reporting or other personal consumer reports

This morning, I noticed that my credit report contained inaccurate accounts, and I have no idea how they appeared. I check my report regularly, but this time, I found unexpected inconsistencies. I even refreshed my browser, hoping it was just a glitch, but the incorrect accounts remained. Due to this issue, I am requesting a detailed review of the documents I have submitted so that I no longer have to worry about this happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX, XXXX Account XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to have collection account deleted because their reporting this account from a third party vendor and by law Equifax can not report an account from a third party vendor only the original creditor and haven't deleted it, they deleted the other 2 with the same problem.
Product: Debt collection

I was charged for extra rent that was not on the Contract. By the time I left I was suppose to have about {$800.00} to pay but they charged me for a key that I returned to the property. I did not leave with the key. A lot of unexplained added rents bills that were added to it even after I moved out and the eviction notice. They decided to charge me when I wasnt living in the property and it did not match up with the eviction notice. I was young and unknowingly being charged things that werent in the contract. The adult just took an advantage and didnt even get the dates when I left the property right. I disputed this a while ago with one of the credit companies and M A R S INC keeps sending me receipts with no proof or explanation of anything that happened to me. Just a giant receipt.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report after a reinvestigation from the credit bureaus and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. 
Account # XXXX Account name : XXXX Report date : XX/XX/XXXX This account has not been late on payments I have attached a copy of my report to this complaint on the following dates ( April 2023 30 days late on Transunion , Experian and Equifax . 60 days late on Equifax and No record on Experian and Transition.How is the possible for the same account, this is inaccurate. 

For the the date of Last active on Transunion XX/XX/XXXX on Experian XX/XX/XXXX and on Equifax XX/XX/XXXX. this is inconsistent and inaccurate for the same account ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying aI recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

Many accounts that have been legally canceled are still on my report. Collection agencies did not receive my authorization to add them selves to my report. Many address are wrong and need to be removed. Phone numbers are wrong and need to be removed. All closed accounts need to be removed.
Product: Debt collection

On XXXX XXXX, XXXX. I received a call from XXXX at East Point Recovery group. My phone disconected as I was talking to him before he even had a chance to say what the call was about and inmediately he called my sister exactly 3 minutes after and then my husband. He told my sister to take a message for me to which she said she wasnt interested but if she was I am sure he was ready to disclose my debt. I do not want this company to contact me or anybody who is related to me let alone share personal information. XXXX voice on his voice mail was rude and I have no desire on having any type of contact with him. I know theyre not supposed to harrass me or any of my family members as well as not supposed to offer to leave messages for me with anyone so I hope this issue is solved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please delete the accounts below : XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

I was alerted by XXXX that someone created an account with my Social Security and personal information and a credit card was sent out to the persons address who stole my identity
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXXXXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those accounts to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports