23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in two requests for removal of fraudulent accounts and inquiries on to Transunion and they've been left unanswered or weren't investigated. I called Transunion and spoke with the fraud department a week ago where they assured me the fraudulent inquiries would be removed in 24 hours and they are still there. They've also not furnished any proof on my request to validate a fraudulent account.
Product: Credit reporting or other personal consumer reports

I previously disputed these accounts with the relevant credit bureau ( Equifax ) requesting that they verify the accuracy and legitimacy of these accounts in compliance with the FCRA. However, the credit bureau was unable to provide valid documentation or evidence to verify these accounts correctly, despite their legal obligation to do so. As a result, these charge-off accounts remain on my credit report, causing significant harm to my credit score and overall financial situation. 

The details of my dispute are as follows : 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 Since the credit bureau could not verify the accuracy of these accounts, I have reason to believe these accounts are fraudulent. I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter because of the serious implications of having unverified and potentially fraudulent accounts remain on my credit report. 

Under the FCRA, I have the right to dispute inaccurate or outdated information in my credit report. Specifically : FCRA Section 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation of disputed information and to delete or correct any information that can not be verified or is inaccurate.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) places an obligation on furnishers of information to provide accurate data to credit bureaus. If they can not verify the accuracy of the data they are furnishing, they must cease reporting inaccurate information.

FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) provides that if any information on my credit report is the result of an identity theft or fraudulent transaction, I may request the removal of that information by submitting an identity theft report. Though not an identity theft case, this section emphasizes the importance of ensuring that information reported is verified and accurate, as any unverified or fraudulent entries must be removed.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in credit reports. 

I Attached to this complaint : previous dispute letter and a second dispute letter, FTC report, identity and address documents, accounts disputed, and all the inaccurate information highlighted. Thanks for your help
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : Dispute of Inaccurate Collection Information on Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information regarding a collection account that appears on my credit report. The collection account in question is identified by XXXX, and I believe it is reported inaccurately. 

The specific inaccuracies are as follows : The reported balance of {$9800.00} is incorrect. According to my records, the correct balance should be {$8500.00}. 
The account status is listed as open on XX/XX/XXXX but it was reported to the credit agency on XX/XX/XXXX. I have requested a copy of the original lease agreement signed by me and a list of charges I was told that the file was destroyed in a fire from preservation square apartments the original company who is reporting this information. 
I have already attempted to resolve this issue directly with the collection agency National Credit Systems, but the inaccuracies remain unresolved. Enclosed are copies of documents supporting my dispute, including a picture of the court docket entre. 

I request that the CFPB assist in correcting this inaccurate information and ensuring that it is removed or updated on my consumer report. Accurate credit reporting is crucial, and this incorrect information is negatively affecting my creditworthiness. 

Please inform me of any steps taken to resolve this issue and provide a written confirmation once the necessary corrections have been made. 

Thank you for your attention to this matter. 

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

Here is the list of inquires thats on my credit profile with XXXX, XXXX and Equifax these items are fraudulent and have no relation to me and I have sent FTC reports and letters to the credit bureau and they tell me my excuses each time as to why they didnt remove the items stating I didnt have dates of the inquires. Then stated they couldnt verify my identity Ive submitted numerous of items disputing these fraudulent inquires to no avail! and wasted hundreds of dollars sending certified mail and still got no results! This is unfair and hindering me from purchasing a house please remove these items XXXX  XXXX  Inquiry date XXXX XXXX, XXXX  XXXX XXXX Inquiry date XXXX XXXX, XXXX  XXXX Inquiry date XX/XX/2022 XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX  XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX  XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX  XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

Navient student loans show as 90 days late from XXXX, XXXX, and XX/XX/year>. I have always been paying on time since beginning of the loan period, and I wish this to be removed from my credit reporting immediately. Thank you.
Product: Credit reporting or other personal consumer reports

I was completely blindsided when I noticed inaccuracies on my credit report today. Ive always kept track of it, but tonight, I found discrepancies I couldnt explain. I tried refreshing my browser, thinking it was a mistake, but nothing changed. With this ongoing issue, Im asking for the documents I sent to be double-checked so I can finally feel secure and stop worrying about these errors.
Product: Student loan

I have been actively trying to talk with Action Financial Services to establish a voluntary repayment schedule since I was notified of this loan being placed with them. I have the following issues : - I am unable to set up a voluntary repayment because they told me it was at the wage garnishment stage and I had to request a hearing. 
- The service rep at AFS confirmed that they did not have my correct address on file ( I found out that they had the debt because my neighbor brought over an opened piece of mail from them in Aug - the notice was dated in XX/XX/XXXX ), so now my neighbor knows my personal information. I called AFS to set something up as soon as I was notified.

- This notice did NOT mention garnishment, I found out about that when I called AFS - I have faxed the required hearing request to the number they gave me on multiple occassions and have not received any response - I received a letter, yesterday, dated XX/XX/XXXX that says it is a final notice of garnishment of up to 15 % of my wages ... I absolutely can not afford that and wish to enter into voluntary repayment. This letter states " You may still exercise the right to contest this action as cited in our original Notice. However ; because you failed to comply ... your exercise of this right will not result in the delay of a wage garnishment '' - I never received the original notice - it was confirmed that they did not have my correct address - I gave them my email and my phone in addition to my correct address and NOBODY HAS CONTACTED ME! 

I am simply trying to enter into a voluntary repayment and avoid the garnishment but, all they give me to communicate with the hearing department is a fax number. I have transmission reports that show the information was sent but, I still receive no response. It is not fair that I've not received any communication until this FINAL NOTICE. I deserve a chance to voluntarily repay this debt without a garnishment.
Product: Payday loan, title loan, personal loan, or advance loan

During the national XXXX XXXX, I struggled to make payments to the creditor. I was not able to work and had to file unemployment ( for the first time in my life ). I did fall behind on payments but did catch up on all late payments and have been making on-time payments since that time. I contacted the lender regarding this situation during and after the pandemic, and they indicated that there was nothing they could do. I was working with a corporation at the time that closed all of their 300+ offices nationally during the pandemic.
Product: Debt collection

I have asked this company multiple times for a copy of the contract that they said i signed. I have offered to send a copy of my drivers license to show i didnt sign for or authorize services with XXXX XXXX XXXX
Product: Mortgage

Home equity line of credit with TD bank shows payments has not been posted since XX/XX/2017.

I signed up for auto payment through my checking account and it was never applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX18 my credit report ( see attached ) displayed some address errors that need to be corrected. 

Incorrect addresses : XXXX XXXX XXXX XXXXXXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX These items must be deleted. 

Correct addresses : XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, NV XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS NOT DOING WHAT THERE LEGALLY OBLIGATED TO DO. THEY ARE NOT USING FAIR PRACTICES AND HURTING PEOPLES REPUTATIONS. I HAVE AN ACCOUNT ON MY CREDIT REPORT THAT IS HURTING MY REPUTATION AND IS NOT LEGALLY ALOUD TO BE ON THERE. I SENT EXPERIAN A LETTER SAYING I WOULD LIKE IT TO BE VERIFIED AS I HAVE NEVER SIGNED ONE SINGLE DOCUMENT WITH THIS COMPANY ( XXXX  XXXX  ). I HAVE SENT XXXX   XXXX SEVERAL LETTERS FIRST ASKING FOR THE ACCOUNT TO BE VERIFIED WITH MY SIGNATURE AND HAVE NOT RECIEVED ONE LETTER BACK. SO I TOOK THE MATTER TO EXPERIAN AS THEY ARE ALLOWING FRAUDULENT REPORTING. I HAVE SENT EVERTHING CERTIFIED MAIL AND HAVE MADE COPIES OF EVERYTHING. THEY SEND ME A LEETER BACK SAYING THEY UPDATED IT. UPDATED? STILL GIVING ME NO PROOF. HOW DID THEY VERIFY AN ILLEGAL ACCOUNT? I THEN SENT ANOTHER LETTER WHICH THEY RECIEVED CERTIFIED MAIL ON XX/XX/XXXX STATING I WANT TO SEE PROOF! LEGAL PROOF! AS IS MY RIGHT UNDER THE FAIR REPORTING ACT. TODAY IS XX/XX/XXXX AND THEY ALREADY SENT ME A LETTER BACK SAYING ITS VERIFIED. HOW? IN LESS THEN 10 DAYS DID THEY VERIFY IT. AGAIN THEY GAVE ME NO PROOF. I HAVE LEGALLY ASKED THIS COMPANY AND EXPERIAN TO SHOW ME PROOF WITH MY SIGNATURE AND THEY CANT! IT IS ILLEGAL AND NOT RIGHT.EXPERIAN IS NOT REPORTING CORRECTLY AND NOT HOLDING UP THERE LEGAL OBLIGATION.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's 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 proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I mark as inaccurate XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Product: Mortgage

The short sale has been under review for 79 days. The first issue is, despite my third party authorization has been on file and I hav e asked Capitol One at least 15 times to update MY phone number (  XXXX  ) to their system to call me for updates and or document request. Capitol one says they will update the information but never do because they keep calling an invalid number and never inform me with what they need. When I call. customer service keeps asking for completely irrelevant documents such as hazard insurance invoices for OTHER properties, property tax bills for OTHER property, etc. I have been negotiating short sale for six years and I have never had a lender ask for such things that are completely outside the norm of short sale required  documents. The file has been held up and there is no end in sight.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

UNAUTHORIZED INQUIRIES : XXXX XXXX/XXXX/2025
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I paid off my Macys store credit card in full, in the amount of {$87.00}. On XX/XX/XXXX, I received a {$2.00} minimum interest charge due XX/XX/XXXX. I paid the {$2.00} minimum interest charge on XX/XX/XXXX, 10 days before it was due. I have all of the XXXX statements that confirm this account of events ( attached ). In XX/XX/XXXX, I learned that Macys reported a late payment of 30 days to the credit bureaus, supposedly due to the {$2.00} minimum interest charge mentioned above. 

I have maintained my Macys card since I opened it in XXXX and never had a late payment. I contacted Macys several times about the above matter including, but not limited to, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but to no avail. 

Macys claims that the XXXX late payment is correct and that they will not reverse it. 
This error on Macys part has had and still does have detrimental and deleterious effects on my credit report, and that of my domestic partner, who I added as an authorized user to the account some time ago. 

We are demanding that Macys immediately remove the XXXX late payment notification from my credit reports at all three credit reporting agencies, and those of my domestic partner. 

Before submitting this inquiry, I did a XXXX search and found that several other Macys cardholders are experiencing similar issues.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 my accountto 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 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
Product: Vehicle loan or lease

I sent them a billing error notice dispute. I sent them letter explaining that they are an assignee not the bank. I ask for them to proof they gave me this loan, and they never prove this letter I ask for the check or their accounting records they never prove to me that they provided the funds. How can they provide the funds on this consumer credit transaction sales. I provided the signature and the credit on this car security. I was never suppose to get a bill from Kia finance America at all. This is called double dipping and restart a loan that was guaranteed and satisfied at the dealership. This is what you call organized crime. They repoed my car on XXXX XXXX XXXX ILLEGALLY. WHILE I AM HOME SICK WITH THE XXXX. I am a disable senior. Kia finance America does not have the right or authority to repo a car that they didn't gave any finance to or consideration. This is completely fraud and Grand theft auto. Deceptive practice and copy and paste signature they are using. Doctoring documents.
Product: Credit card or prepaid card

I have sent several remittance coupons in to your payment processing center. I have talked to the supervisor of billing disputes, it seems like im being ignored. I sent in a negotiable instrument this last time. Of which seems to have disappeared along with my remittance coupon. Incorrect information has been reported to the credit agencies and damaged my ability to use my credit. I have sent in my payment and none of which has been returned or applied to principal. I have no problem paying my debts, but i will not be forced to fraudulently pay double.
Product: Debt collection

Chases are not taking the Care Acts into consideration. This Covid Pandemic is not the U.SXXXX fault. Healthcare workers are volunteering and all this needs to be taken into consideration. I have been out of work from XX/XX/XXXX until XX/XX/XXXX due to Covid, I am a XXXX worker, in the XXXX XXXX XXXX field aka XXXX technologist. I reside in North Carolina, I have informed Chase, times I am not working since XX/XX/XXXX. I informed them I was receiving employment but only {$400.00} a month. I informed Chase I can only afford {$20.00} amount until I get employed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be updated from my credit reports. They neither saw nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me correct the concerned items for they were found erroneous and inaccurate. 

XXXX XXXX XXXX XXXX Balance {$6500.00} DEPT OF EDXXXX XXXX Balance {$1900.00} Date Opened : XX/XX/XXXX DEPT OF EDXXXX XXXX Balance {$2100.00} Date Opened : XX/XX/XXXX DEPT OF ED/XXXX XXXX Balance {$1300.00} Date Opened : XX/XX/XXXX DEPT OF ED/XXXX XXXX Balance {$820.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$700.00} XXXX XXXXXXXX XXXX XXXX Balance {$9500.00}
Product: Credit reporting or other personal consumer reports

I sent off to have my information updated on my credit report XXXX years ago and nothing has been updated as of XX/XX/2024. I would like to have my correct information updated and delete old information off of my reports. please send an updated copy once completed within 5 days.
Product: Credit reporting or other personal consumer reports

XXXX Mortgage XX/XX/2022, XX/XX/2022, XX/XX/2022 never applied for mortgage with company
Product: Debt collection

We have debt. There is a no contact order on phones XXXX and XXXX. Today, they called twice leaving messages to call them about debt.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered multiple inaccuracies regarding late payments reported on my account with XXXX XXXX ( Account # XXXX ). Despite making all payments on time, Experian incorrectly reports a 30-day late payment, TransUnion inaccurately reports three consecutive 30-day late payments for XXXX, XXXX, and XX/XX/2018, and Experian also incorrectly reports three consecutive 30-day late payments for XXXX, XX/XX/2018, and XX/XX/2018. Additionally, Equifax fails to reflect any payment history, which should instead show on-time payments. These errors violate the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), which requires furnishers to ensure accuracy when reporting consumer data. I request immediate correction of these inaccuracies, the deletion of all incorrect late payment notations, and verification of compliance with 15 U.S. Code 1666b regarding periodic statement delivery. I have attached supporting documentation highlighting these errors and request resolution within 15 days.
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. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX Account numberXXXX has violated my rights. Or 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.