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

Subject : Final Notice Failure to Comply with FCRA, Demand for Immediate Deletion & Opt-Out Confirmation Notice to agent is notice to principal. Notice to principal is notice to agent. 
To Whom It May Concern, I am following up on my previous dispute letter dated XX/XX/year>2025, in which I formally demanded that LexisNexis : Delete inaccurate and disputed information from my consumer file regarding : Department of Driver Services Records Falsely associating me with license number XXXX, which is not mine and has been incorrectly linked to my name. 
Insurance Policy Records Erroneously listing insurance policies I never held. 
Cease all furnishing, selling, and transmitting of my personal information to third parties without my explicit consent. 
Please View Attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Student Loans have been discharged by the US Dept of Education. The status of the loans are XXXX ( {$0.00} ) and closed. XXXX is internally closing out the loans and sending them back to US Dept of ED. The credit bureaus should be prepared for the millions of discharged loans, and be able to update credit files expeditiously. I have submitted all 3 bureaus with unrefutable proof of this, and they still are reporting incorrect information. 

Here is additional information : print out of my acct statement from XXXX that shows my loans are at XXXX ... ...... 

FIX MY XXXX CREDIT REPORT XXXX XXXX, XXXX AND EXPERIAN. Before I had this to my currently lawsuit against 2 of you all.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the ongoing issue of an unresolved late open account on my credit report. This is my second attempt to address and rectify this matter, as the issue persists and continues to negatively impact my credit history, causing significant financial harm and distress. 

I would like to provide a brief summary of my previous attempts and the current situation : I initially discovered the late open account on my credit report. I promptly initiated a dispute with your credit reporting agency, providing all the necessary evidence to show that this account was inaccurately reported as late. 

After my initial dispute, I patiently awaited a resolution but received no satisfactory response. Despite the dispute, the late open account still remains on my credit report, adversely affecting my creditworthiness. 

Following my previous attempt, I have made a concerted effort to re-dispute and correct this account. I have contacted your agency, provided additional supporting documentation, and communicated with the creditor involved. However, the issue remains unresolved. 

This ongoing situation has caused me significant financial hardship and emotional distress. I have diligently followed all dispute procedures and expected a timely and accurate resolution of my credit history. 

I kindly request that you take immediate action to thoroughly investigate and correct this late open account on my credit report. I urge you to rectify this matter promptly, as it is imperative for my financial well-being and peace of mind. 

I am well aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I am prepared to take further legal action to protect my rights and interests if this issue remains unresolved. I am asking for your assistance to correct the late open account : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

There was a problem with my XXXX account returning payments because they stated that I'm not authorized to use the XXXX account, which I use daily. XXXX payments were returned, and capital one, without notice, labeled it first party fraud and closed the account. They refuse to remedy the situation.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, I received a mailed advertisement containing a pre-qualified offer for a loan from NetCredit ; the letter stated that the annual percentage rate of the loan would be 93-to-99 %, a rate far beyond the maximum allowed interest rate in XXXX XXXX I called the number listed on the offer ( XXXX ), and after being connected to a customer service agent and requesting information regarding the contact information for their company 's legal team, the agent disconnected the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Transunion and XXXX are reporting bad addresses fir my file
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been stolen and it has been used to open account under my name like credit and collection as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has continued to report this account on my credit report as open and 90 days late for the last 3 years. I have disputed this account through credit report as well as cfpb numerous times over the last 3 years and it keeps coming back as verified and correct. At this point it has caused me to lose out on business chances and lose out on my home. When this is incorrectly reporting on my report and is a violation of FCRA. 

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

The balance on this account is not correct as this account as be Charge-OFF. As I can see the XXXX suppose have taken over the alleged debt. Therefore, how can there be a balance and this account is report differently on all 3 credit agencies. Therefore, this account is inaccurate
and needs to be delete per the Fair Credit Act. The credit agencies will be held liable for the inaccurate information and sued. 


XXXX XXXXXXXX XXXX  XXXX XXXX # XXXX
Product: Debt collection

I am complaining about the collection agency, HRRG. Unfortunatley, I did not forsee this problem and don't have a list of dates. However, it started in around XX/XX/2019 with mail correspondence. I called and explained that I had been unemployed and seeking work for some time and could not possibly pay the bill. I could not make payments, I am not shirking my responsibility, but I simply am barely surviving right now. HRRG then proceeded to bombard me with mail. Quickly they moved on to daily collection calls, sometimes twice a day. The calls have been going on since at least XX/XX/XXXX. I don't know what to do. I would love to find a job and pay the thing. Anyone need a bookkeeper?
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item listed below for me to ensure accuracy. 

XXXX XXXX ACCT # : XXXX
Product: Mortgage

I would like to get rid of the PMI insurance on my mortgage as my mortgage is nearly 20 % paid off. 

I attempted to do this several years ago and was told there was no way to do it until it was 20 % paid ( despite the value of the home FAR exceeding the ratio required to drop ). 

Planet Home Lending has made it as difficult as possible to gain any information about doing this. Reading now it looks as though I likely could have dropped the PMI if I got the home assessed, but they never disclosed that in my communications with them.
Product: Credit reporting or other personal consumer reports

Recently, i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agenvy prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) 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. 

Please remove the following items from my credit report, immediately : Accounts XXXX. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXXXXXX XXXX XXXX XXXX XXXX  XXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXX. XXXX XXXX # : XXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXX. XXXX XXXX XXXX XXXX this account is being reported inaccurately, please remove this from my credit report immediately
Product: Debt collection

Bankruptcy discharged without refirmation. Then transferred to Fays Servicing, failed modification. Relocation check, then Redress check for {$150.00}. Now IRS bill for {$10000.00}.
Product: Credit reporting or other personal consumer reports

Dear Equifax Customer Service, I hope this message finds you well. I am writing to request assistance regarding my credit report, as I believe there may be an issue with my Equifax file. Upon checking, I found that I do not have a credit report with Equifax, nor do I have any accounts or credit activity being reported under my name.

I am in the process of purchasing a home, and as part of the mortgage application process, I need to access my credit report and credit score. Without this, I am unable to move forward in assessing my credit standing. Could you kindly refresh or update my credit report so that I can review my score? I currently do not have a score displayed.

I would greatly appreciate your prompt attention to this matter. Please let me know if any additional information is needed from my side to help resolve this. Attached to this complaint, I have a few documents for your review. The first document is a copy of my photo ID, SSC, and Proof of Address as well as a screenshot of Equifax credit report.

Thank you in advance for your assistance. I look forward to your response and to seeing my updated credit report soon. 
Warm regards, XXXX XXXX
Product: Mortgage

I am struggling to get Bank of America to remove my private mortgage insurance. I have also had difficulty getting them to provide an explanation for why it is not being removed. I have called and talked to them about 5 times and was getting a run around. My mortgage has been below the XXXX % threshold for about 5 or 6 months now. My account is up to date, I have never been late on a payment. In fact I am slightly ahead and my paynents. I 've explained to them what I have read on the Consumer Financial Protection Bureau website and in the homeowner protection act of 1998 and explained how I interpreted it and have asked them to explain to me why I did not qualify to have it removed or to explain what it is about the law that I am misinterpreting and they have not been able to provide a satisfactory response to that but continue to charge me private mortgage insurance. XX/XX/XXXX I was finally told that it would be removed in XX/XX/XXXX. I have paid my for XX/XX/XXXX and when I go online I see you but I 'm still being charged for it in XX/XX/XXXX. I feel that I am being taken advantage of however I can see that I might be misinterpreting the rules so I was hoping to be able to have someone explain to me if what is happening is allowed or if I 'm being taken advantage of. I recently purchased a new home and my new lender told me that based on my situation they should have already removed the private mortgage insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has provided me with a copy of my Transunion credit report. As I have noticed that none of the five collection accounts belong to me. Can you send proof that these are my accounts?
Product: Checking or savings account

Greetings, on XX/XX/2023, there were UNAUTHORIZED charges made from my checking account with BANK OF AMERICA. These UNAUTHORIZED charges were transacted through XXXX, as someone fraudulently accessed my XXXX XXXX account, and made the transaction, which deducted the money from my checking account when my cellular device was lost/stolen. These UNAUTHORIZED charges were in the form of 2 payments, one for {$4600.00} and one for {$4500.00}. For a sum total of {$9100.00} in UNAUTHORIZED FRAUDULENT charges. One of the recipients that the money was fraudulently stolen and sent had the name " XXXX XXXX. '' I concluded that THIS PERSON had a part in the FRAUDULENT UNAUTHORIZED charges that were made from my account, and this person must be investigated, and their accounts should be reported. I contacted XXXX to dispute the transactions and gave information on the fraud, yet I was denied a refund of the charges with NO SUBSTANTIAL evidence or documents provided at all regarding the denial decision that was made. I requested documents that support their decision of denial, and all I received was an email showing the transactions that were made, and no other evidence that positively accurately support their denial. I then created a fraudulent claim with my bank ( BANK OF AMERICA. ) After a week of waiting, I was then met with a message including the denial of my claim from Bank of America for my unauthorized charges. There was a message included by Bank of America that stated, " The charge was authorized by you or made by someone who has permission to use the card or account. '' THE CHARGES MADE FROM MY CHECKING ACCOUNT WERE NOT BY ME, AND I DID NOT AUTHORIZE ANYONE TO USE MY ACCOUNT. There is supporting evidence of the person who was associated with the fraud, as the UNAUTHORIZED money was sent to this person, as their name shows up as one of the persons to who the money was sent to ( " XXXX XXXX ''. ) XXXX clearly has information on where the money was sent to, and which bank the money was withdrawn from. If they further investigated this, they will realize that the money was fraudulently taken from my account and was UNAUTHORIZED. They also have information regarding the banks involved with this fraud, as they can further investigate it. BUT I WAS DENIED OF MY CLAIMS AND DISPUTES BY BOTH XXXX  AND BANK OF AMERICA.
Product: Credit card or prepaid card

I was given a {$20.00} prepaid XXXX gift card for my daughter as a gift from her aunt. The company that sold the card was Vanilla Gift. The company claimed that the gift card was never activated and that they couldn't activate the card without a receipt, which of course I don't have because I didn't buy the card. When I asked if there was another way to activate the card, they said that they could maybe look into it if I provided extensive personal information, including a copy of the my driver 's license front and back and Social Security Number. For a {$20.00} gift card and a possible resolution, they wanted me to provide enough info to steal my identity. 

Vanilla Gift just took my sister 's money and made the gift card they sold extremely hard to use. They then wanted me to divulge extensive personal information that would allow someone to steal my identity to even look into the issue, with no promise of a resolution if I even moved forward with that path. I did not want to put my identity at risk for {$20.00}, which I suspect would be the case with many consumers. 

The process of making these gift cards so difficult to use is a predatory practice that should be investigated and remedied by the CFPB.
Product: Mortgage

We finally received an XXXX XXXX from XXXX XXXX XXXXWe sent the check to Roundpoint mortgage  and they received it XXXXThey sent it back saying we needed to sign it and send back with no explanation on why.I called and spoke to someone in the loss draft dept that said we needed to send affidavits from all contractors that would be doing the work to our home.I explained that all the work had already been done almost two years ago.The woman said if I sent all the paid receipts from work done that would suffice.She said once they got those they would set up an inspection and then release OUR money to us.After no communication again from this place I called and now they needed a breakdown of all the damage from the XXXXI sent this off with no response.I called XX/XX/XXXX and spoke to someone in loss draft dept and now they wanted the affidavits again.I asked to speak to a supervisor and after XXXX minutes on hold I was told that she could not " find one '' but she would have them call me later that day.Never received a call from anyone.This company is purposely holding OUR money that we paid out of pocket after the storm.
Product: Credit card

I made a payment of XXXX to pay off my card, it was cleared through the bank on XXXX and has not been credited to my account. I have called XXXX times trying to get this resolved and all they do is transfer me multiple times and then hang up on me.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed inaccuracies in certain accounts that need to be reported and corrected
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a dispute with Equifax in regards to two tax liens that are on my credit file. On XX/XX/XXXXunder confirmation # XXXX reported that they had verified the information and used XXXX to validate this information. Equifax purposefully does not properly validate the information. 

They claimed to use a third party XXXX to verify information but have also failed to even do this. Even though using a third party to verify any information is not allowed under the Fair Credit Reporting act. What is truly very bothersome is the fact that XXXX themselves have vacated reporting this improper tax lien/public record information. As evidence, I am including the proof that XXXX has removed this invalid information from their records. The letter I received from XXXX was from XX/XX/XXXX. This clearly shows that XXXX had purged the tax lien/public information from their records. So that Equifax could obviously not have correctly validated this information with XXXX after my dispute of XX/XX/XXXX. 

I have also contacted both the County Courthouse clerk and IRS. None of these enitities or government officials have provided Equifax with any information and they have assured me that Equifax has also not made any attempts to verify this information at either the county and further, the IRS do not supply information to credit reporting agencies themselves. So Equifax is in full violation of the Fair Credit Reporting Act. 

So in other words Equifax continues to report incorrect information on my credit file and continues to not properly investigate and validate information. 

Further, after XX/XX/XXXX, the credit bureaus will exclude all public tax lien and civil judgment data that do not conform to new reporting standards from consumers ' credit reports. According to the ... Additionally, the credit bureaus must continually verify public record information by making courthouse visits at least every 90 days. Equifax has and continues to violate the FCRA and federal government demands to clean up their act but they continue to damage myself and people of this country. 

I demand that this non-validated information be removed from my credit file immediately. 

Equifax has made not attempts to Validate this information and the source of the verification that they are attempting to use is a third party ( XXXX ) and even XXXX does not have this information in their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint, for several items listed below on my credit report that is reporting inaccurately an has violated my FACTA rights under Code 15 USC 1681a ( 2 ) ( 1 ) these items include! XXXX XXXX account number XXXX Reporting late payment On XX/XX/XXXX. Also XXXX XXXX XXXX account number XXXX reporting late payment on XX/XX/XXXX. Including XXXX account number XXXX reporting late payment on XX/XX/XXXX. In addition to inaccurate account XXXX  card account number XXXX. Open XXXX XXXX. Furthermore, all three credit bureaus are in violation for failure to complete and verified their investigation within 30 days or less and provide me an update of their findings to my credit report. This original complaint was filed XX/XX/XXXX. Also included in the dispute request to removal and deletion of an inaccurate address on my credit report. Including inaccurate inquiries by XXXX XXXX XXXX Experian, Experian credit match, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/year> Amount ( {$680.00} ) Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint XXXX XXXX XXXX XXXX XXXX XXXX for XXXX Collection Activity Dear Sir/Madam, I am writing to formally lodge a complaint against XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX agency that has reported me to collections for a debt that I have no knowledge of and never authorized. 

I have never conducted any business with XXXX XXXX & XXXX XXXX, nor have I given them permission to act on my behalf in any financial matters. Their unauthorized actions have caused significant distress and adversely affected my credit score. 

XXXX XXXX XXXX XXXX XXXX actions are in violation of multiple provisions under the Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S. Code 1692f ( 8 ) - Prohibition against unfair practices : The company has used unfair and unconscionable means to collect a debt that I do not owe.

15 U.S. Code 1692d ( 1 ) - Prohibition against harassment or abuse : The company has engaged in conduct which is designed to harass, oppress, or abuse me by reporting an unauthorized and non-existent debt.

15 U.S. Code 1692d ( 2 ) - Prohibition against harassment or abuse : The company has used language and means of communication that are abusive and harmful. 
I am requesting the following actions to rectify this situation : An immediate investigation into this matter by XXXX XXXX & XXXX XXXX. 
XXXX removal of this erroneous collection account from my credit report. 
A written confirmation from XXXX XXXX XXXX XXXX XXXX and the credit reporting agencies that this collection account has been removed. 
Enclosed with this letter, you will find copies of my dispute letters to the credit reporting agencies and any relevant documentation supporting my claim. 

I trust that the Consumer Financial Protection Bureau will act promptly to address this serious issue and ensure that XXXX XXXX & XXXX XXXX XXXX this mistake immediately. Thank you for your attention and assistance in resolving this matter. 

Sincerely, XXXX XXXX