23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Case # XXXX-Update I wanted to add more detail to my response to MT Bank response : -XXXX-check received by MT Bank with letter was attached that broke down the insurance checks MT had already and a check for remaining balance was sent to MT as instructed by MT. Check was mailed back. 
XXXX XXXX - overnighted check - letter was attached that broke down the insurance checks MT had already and a check for remaining balance was sent to MT as instructed by MT. 
-XXXX - Postal tracking confirmed MT received the check. Spoke with XXXX at MT-she confirmed that this payoff needed to be processed AND informed me that SHE was immediately reaching out to the attorneys so that house did not go to sheriff sale. Two days later house listed for sale. 
Payment not processed- check mailed back AGAIN- different story every time MT Bank is called. 
-Spoke with Attorneys- Overnighted the same check on XXXX/XXXX/16. It is now XXXX/XXXX/16 and account is still not paid off. 
-M T Bank has had the first two insurance checks since XXXX. 
So there response that they can not waive fees is not only ridiculous but should be illegal. There should be notes all over the account at MT of all the discussions. The time spent on phone calls ( which were usually hour or so long ) is frustrating and stressful. How do they get away with treating consumers like this. There should be a class action brought against M T Bank-reading other consumer complaints on the consumer protection bureau about this same treatment makes me wonder how many consumers were charged more then they should of been or worse yet lost there homes.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CRAs XXXX, Transunion, XXXX. Are all reporting the XXXX XXXX account inaccurately. I have made several attempts to adress this issue. Attached, find original creditors own payment history. The balance on XX/XX/2022 is 0. The account has to be removed as it is reporting inaccurate information on all three bureaus please remove account based on the 0 balance reported by the furnisher. After doing so please forward me a copy of the report.
Product: Checking or savings account

Back in the summer my chime card was used for a few transactions that I have verified with XXXX and the hotel are all card not present transactions. I opened a dispute with chime in which they denied the dispute because the thief didnt check the balance and because I had money come in during this time period. I made an FTC complaint and on XX/XX/XXXX they reopened the dispute.. which as of today they are still working on i am out over XXXX while they leave it in an indefinitely pending status. I have tried multiple times to contact them regarding this and literally get ignored. One of the transactions is a hotel in OHIO I uploaded a WHOLE TIMESHEET showing at the time of the transaction I was in Arkansas presently working so I could not possibly have made a purchase in freaking ohio like I said before i called the hotel and XXXX and confirmed none of the transactions were in person so obvious fraud. 

See attached screenshots and documents I have more if need be.
Product: Checking or savings account

Capital One bank failed to release my direct deposit to me, and what appears to be thousands of other customers. As a XX/XX/XXXX with a XXXX XXXX XXXXXX/XX/XXXX and bill payments due, I depend on having my money for food and clothes and to keep my bills paid current and up to date. This is completely unacceptable. First, they said it was a temporary issue that would be resolved by XXXX on Thurs, XX/XX/ 2025. The issue started the previous day on Wed, XX/XX/2025. As of Fri, XX/XX/2025, I still do not have access to my direct deposited paycheck. Also, it is a holiday weekend, with banks closed on Monday. Serious actions and penalties need to be taken against Capital One and proper restitution payments need to be made to all customers affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an Affidavit of Truth and an Invoice to XXXX XXXX XXXX, here is the tracking # XXXX, XXXX XXXX XXXX XXXX number # XXXX and Portfolio Recovery Associates , LLC They have not paid out the invoices and had the negative items deleted from my credit report. These companies have violated 15 USC 1692. ( C ) ( A ). 15 USC 1692K, 15 USC 1692. ( B ) ( 2 )., 15 USC 1692. ( B ) ( 5 )., 15 USC 1692 ( D ) ( 2 )., 15 USC 1692 G ( A ), 15 USC 1692 ( B ) ( 4 ), 15 USC 1692 C ( 1 ), 15 USC 1692 ( E ) ( 1 ), 15 USC 1692 ( F ) ( 8 ) ( 8 ) 15 USC 1692 ( D ) ( 5 ). Based on these laws I can collect these damgages15 USC 1692K. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of, any actual damage sustained by such person as a result of such failure : in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
Product: Credit reporting

My HOA in Virginia changed management companies, and my payments were never credited to my account, so the HOA said it would file a lien against the property. In effect, it filed a collection that became a default judgment. I hired an attorney to set this aside ; she failed to do so, even when I paid all the payments they said I owe. The HOA attorney actually filed a removal of the lien. My attorney did nothing. ( I dispute that I owed the total, but I was more concerned with my credit report so paid even when in effect I XXXX the HOA. ) To date, this " judgment '' is still on my credit report, even though it should have been removed. I 'm attaching the " removal of judgment lien. '' My question now is whether I have to hire another attorney to set aside this default judgment and have this stain removed from my credit report, or will this " removal of judgment lien '' suffice? No one is answering my queries on the matter. I even disputed this with Transunion but they did not allow uploading of info so it 'll likely go nowhere. Thank you for whatever help you can offer.
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 federal protected consumers rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX  XXXX XX/XX/2022
Product: Debt collection

XXXX, SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX  XXXX XXXX, XXXX, FL XXXX Todays date : XX/XX/XXXX ATTENTION DISPITE DEPARTMENT LVNVFUNDG  XXXX LVNVFUNDG XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNVFUNDG  XXXX LVNVFUNDG  XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute hard inquiries that appear on my credit report, which are unauthorized and inaccurate.
Product: Student loan

I applied for a SAVE repayment plan on studentaid.gov, and should have a {$0.00} payment according to their site but when they sent my application to Mohela, Mohela changed me to an IC plan and want {$250.00} a month, which I can not afford. I have tried several times to call, but I could not get ahold of anyone. Their site would not let me send a message for this type of issue.
Product: Credit card

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : JPMCB CARD SERVICES # XXXX
Product: Credit card or prepaid card

I was shocked when reviewing my credit report. I found my account reporting a 30 day late payment in XXXX of 2019. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didn't get to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX SD XXXX Re : Account number : XXXX To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX for my XXXX XXXX XXXX account. 
I want you to know that I understand my financial obligations, and if it werent for XXXX, Id have an excellent repayment record. I made a mistake in falling behind, but Since then, Ive had a spotless record of on-time payments. 
It has come to my attention that the missed payment on my record could hurt my ability to qualify for buying a home. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments on the said account Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account with XXXX XXXX XXXX and XXXX XXXX was settled and paid on XX/XX/year> in the agreed upon lump sum payment of {$3000.00}. My credit report is still showing a past due balance of {$3700.00} which is not correct. Proof of payment has been sent to both companies.
Product: Credit reporting or other personal consumer reports

INCORRECT INFORMACION ON MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report
Product: Credit reporting or other personal consumer reports

For few months now I have reached out to the bureaus and to the mortgage company for the one time 30 day late on my closed mortgage account, the company has responded but it feels like its general standard letter they send to anybody who has any questions or concerns. I was under XXXX XXXX XXXX in the hospital, that is why my payment didn't go through by the time I realized it it was too late. I have zero debt, I have never had any late payments on any of my mortgage accounts you can see that on my credit report. I kindly ask you to remove the 1 time 30 day late from XXXX of 2022. Please as a good faith, as one time curtesy please remove the one time 30 day late, again this would have never happened if I was not in a comma. Thank you
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX ACCOUNT NUMBER : XXXX I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

Heres a customized dispute letter to Experian, leveraging details from the CFPB lawsuit and referencing your concerns about inaccuracies on your credit report : XXXX XXXX [ XXXXXXXX XXXX XXXX XXXX  ] [ XXXX  XXXX, Va XXXX ] [ XX/XX/2025 ] Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Experian Dispute Department, I am writing to formally dispute inaccurate information contained in my credit report. Despite submitting disputes previously, the issues have not been properly addressed, and inaccurate information remains on my file. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy and completeness of the information you report and to conduct a reasonable reinvestigation when a consumer disputes information. However, based on my experience and supported by the recent CFPB lawsuit against Experian ( XXXX XXXX. XXXX ), I am concerned that my disputes have been mishandled in the following ways : 1. Failure to Convey Relevant Information : It appears my disputes were not fully communicated to the furnishers, as critical supporting documentation I provided was ignored or omitted.

2. Over-Reliance on Furnishers Responses : Experians investigation results seem to rely entirely on the original furnishers responses, even when they conflict with the evidence I provided.

3. Inadequate Results Communication : Your dispute results are vague and fail to clarify whether disputed information was corrected, updated, or removed, leaving me without clarity on the status of my report. 

To facilitate a fair and thorough reinvestigation, I am providing the following information : Details of the disputed accounts : [ List account names, numbers, and issues, such as incorrect balances, status, or payment history ]. 
Supporting documents : [ Attach copies of relevant documents, such as payment records, correspondence with creditors, or identity theft reports ]. 

I request that you : Conduct a proper reinvestigation into the disputed items. 
Provide all relevant information Ive submitted to the furnishers as part of this process. 
Inform me clearly of the results, including whether the information was corrected, deleted, or verified as accurate. 

If this matter is not resolved promptly, I will escalate it by filing a complaint with the CFPB and other appropriate agencies. 

Thank you for your attention to this matter. I expect a written response within the 30-day timeframe specified by the FCRA. 

Sincerely, [ XXXX XXXX ] [ XXXX ] [ XXXX ] Feel free to personalize this letter further as needed. Ensure you keep copies of your correspondence and documentation. Let me know if youd like assistance refining any additional points!
Product: Credit reporting, credit repair services, or other personal consumer reports

remove fraud alert from credit file XXXX  XXXX Experian
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. 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 inaccurat
e.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 Please remove it from my credit report. 
10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/ Please remove it from my credit report.