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

XXXX XXXX XXXX XXXX # XXXX is reporting a late in XX/XX/19 that I should not have. I was not late as I took the payment into the store and paid in person. I don't know why it was put on my account as a late as I went in and paid it before it should have been late. I can only conclude it was an error on their part and was not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent letters serveral times to dispute that the bankruptcy court does not report to credit agency
Product: Credit reporting or other personal consumer reports

RE : Follow-Up on Dispute Regarding Inaccurate Information on My Credit Report Subject : Formal Complaint - Noncompliance with 15 U.S.C. 1681e and 1681s-2, General Prohibition on Reporting Inaccurate Information ( 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 1 ) ( C ) ), Duty to Correct and Update Information ( 623 ( a ) ( 2 ) ), Duties of Financial Institutions ( 623 ( a ) ( 7 ) ), Failure to Promptly Modify, Delete, or Block Information ( 623 ( b ) ( 1 ) ( E ) ) : Failure to Assure Maximum Accuracy ( 1681e ( b ), Unauthorized Access Violations ( 1681e ( a ).
Product: Credit reporting or other personal consumer reports

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 am filing a complaint with XXXX and XXXX for failing to properly investigate my disputes regarding inaccurate information in my credit report. Equifax consistently responds within 24hours 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 mandate a reasonable investigation of disputes. Furthermore, Equifax 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 Eqifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on some accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : 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

In XXXX through XXXX XXXX, I disputed the judgement with XXXX XXXX XXXX ( XXXX ) located in XXXX, AZ. The complaint was issued through www.consumerfinance.gov. Upon reviewing my complaint, this information requesting the payment of {$4000.00} was removed from my credit report when XXXX failed to validate/verify the account information. Now, XXXX is re-inserting this information with a different balance of {$7200.00}, ( XXXX XXXX XXXX XXXX XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  EMAIL : XXXX XXXX XX/XX/XXXX Credit Bureau ( XXXX ) : ADDRESSES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TRANSUNION- TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Subject : Formal Request for Correction and Deletion of Inaccurate Personal Information per XXXX XXXX Compliance Standards To Whom It May Concern, I am writing to invoke my rights under the Fair Credit Reporting Act ( FCRA ) and request the immediate correction of inaccurate and outdated personal information currently reflected in my credit report, in accordance with XXXX XXXX compliance standards. 

Upon reviewing my credit file, I have noticed that the following information is outdated and inaccurate, and I request its removal : Incorrect/Old Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Names : Any names outside of whats stated below. 
Outdated Employers : XXXX  ( was never my employer ) Old/Incorrect Phone Numbers : XXXX or XXXX Please ensure that the only information retained in my file is current and accurate. The correct information is as follows : Current Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Legal Name : XXXX XXXX XXXX * CURRENT CONTACT NUMBER : XXXX As per XXXX XXXX reporting guidelines, this inaccurate data should be promptly removed to maintain the integrity and accuracy of my consumer credit file. I request that these corrections be made without delay and that you provide confirmation once this has been completed. 

If additional documentation or information is required to facilitate this request, please inform me immediately. I am prepared to provide any necessary verification to expedite this process. 

Please treat this letter as a formal dispute under the FCRA and ensure that my file reflects only current, accurate information. I also request that a corrected copy of my updated credit report be sent to me once the changes have been processed. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that these updates have been completed in compliance with XXXX XXXX standards. 

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

please see attached documents, IN ACCORDANCE WITH THE FCRA. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLYG PROTECTED RIHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIHTS.YGOU HAVE NO PERMISSION TO FURNISH ANYG INFORMATION ON MY CREDIT REPORT. IF YOU DO NOT HAVE A CONTRACT WITH MY WET SIGNATURE, PLEASE DELETE THESE ACCOUNTS. 15 USC 1681 SECTION 602 A. SECTION 2 IT ALSO STATES A CONSUMER REPORTIN AENCIES CAN NOT FURNISH ACCOUNT WITHOUT MYG WRITTEN INSTRUCTIONS. 15 USC 1681c ( a ) ( 5 ) sections states, no consumer reporting agencies make any consumer reporting 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 usc 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATIN TO A CONSUMER Reporting agencies if the person knows or has reasonable cause to believe that the information is incorrect. please DELETE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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
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 1681e ( b ) Accuracy of report Whenever a consumer reporting agency 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.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 notified or deleted from the file of the consumer. 
Please remove the following inquiries from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

Today I was on the phone with capital one for over an hour and nothing got resolved I sent them my id to verify me so I can use my card and they had me send it over 10 times stating it wasnt clear enough to been seen which it was but he wasnt trying to help me at all. Than 1 hour go by with me trying to upload it he stated he waived the id I asked him if he could had been did that why did he have me upload it over 10 times. 

This company is ridiculous! I been having my very unsatisfied secured card for over 1 year paid on time etc but I noticed me being XXXX XXXX they do this very often
Product: Debt collection

I received an alert on my XXXX credit report that a collection was added on XXXX XXXX, 2017. The  company is Midwest Recovery System and the amount is {$430.00}. I have never heard of this company have not received any notices in the mail pertaining to this debt. I was not given the option to dispute the validity of this debt before being placed on my credit report. I demand this account be removed from my credit report immediately and be given the opportunity to dispute this alleged debt.
Product: Checking or savings account

My old employer deposit my work check in my account they said it was altered which was not they released the funds to me then they turn around and release the fun back to them I don't know how that works and then they close my account without my paycheck being dispersed to me I need this resolved ASAP thank you
Product: Vehicle loan or lease

On XX/XX/XXXX I received communication from XXXX, from AutoPay.com about the loan request I submitted. I gave him the information he needed ( license, mileage, etc ) and he ran really fast through what needed to happen. He stated all the " add-ons '' that they offer, and that he'll get back to me once he gets approval to discuss my options. He was in constant communication with me, asking if I had time to talk via text. If I texted him, he responded shortly after. There was never any real delay in our conversation. 

He told me I was approved. Once he emailed me the terms and details, he very quickly contacted me again. I looked over the email he sent. It had every single thing added onto it that he could have added on. None of these were discussed with me. I told him I wanted nothing extra and I only wanted to refinance what I currently owe to my bank. He sounded frustrated and said he'll have to have the contract re-drawn. Something that wouldn't have had to happen if he had ever asked me what I wanted to add on if anything. But he clearly didn't care about that, he just wanted a commission, because that phone call was the last I ever heard from him. I sent him two texts and an e-mail since then. It's been 8 days since I've heard from him so far. 

The fact that he rushed through everything and was extremely communicative and " friendly '' up until he saw I wasn't going to just sign the documents without reading them, shows he was being fraudulent. 

I recently got a letter in the mail saying I wasn't actually approved, yet a contract was drawn up, with the amount and monthly payments that I only had to sign to begin? This is straight-up fraud.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past XXXX  days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason : XXXX XXXX XXXX  FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX  FRAUDULENT ACCOUNT Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP.

Tracking everything CC : FTC, XXXX, CFPB Client name XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to TransUnion/ XXXX  and XXXX  inquiring about information/accounts listed on my credit report that is inaccurate. I have asked for the account/information to be verified several times via the letters I sent. I also asked that they please send me copies of the documents that you have in their files as of my last letter that they used to verify the accuracy of the accounts on my credit report. 

They have continued to send me a response stating that the accounts/information was updated and verified but have not sent any supporting documentation. 

I did not ask for anything to be updated. I asked that the inaccurate accounts/information be verified.
Product: Credit reporting or other personal consumer reports

t : Dispute of Fraudulent collection Account XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, and Trans Union I am writing to formally dispute the inaccurate and fraudulent information that appears on my credit report under the account name " XXXXXXXX XXXX '' ( Account Number : XXXX ). This account, which is listed as a collection account with a balance of {$1200.00}, is not mine and was opened fraudulently. XXXX. Violations of the Fair Credit Reporting Act ( FCRA ) : ** - Under the FCRA, Section 605B ( 15 U.S. Code 1681c2 ), consumers have the right to block information resulting from identity theft from appearing on their credit reports. As this account is fraudulent, I request that it be blocked from my credit report immediately. - Additionally, under FCRA Section 611 ( 15 U.S. Code 1681i ), I am requesting a reinvestigation of this account. The credit reporting agency is required to complete the reinvestigation within 30 days of receiving my dispute. XXXX. California State Laws : ** - Under the California Consumer Privacy Act ( CCPA ), I am entitled to request the deletion of personal information collected by a business that is not accurate. Since this account was fraudulently opened, I am requesting that all associated personal information be deleted from your records and not shared with third parties. - Furthermore, per the California Civil Code Section 1785.16 ( Californias Credit Reporting Agencies Act ), I have the right to request a reinvestigation of inaccurate or incomplete information on my credit report. The credit reporting agency must respond to this request within 30 business days. Please consider this letter my formal complaint and dispute, and I expect a response within the legally mandated timeframe. Enclosed are copies of my identification and any other documentation to support my dispute ( e.g., police report, FTC Identity Theft Report ). Thank you for your prompt attention to this matter. If this issue is not resolved to my satisfaction, I am prepared to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the California Department XXXX XXXX XXXX, and potentially pursuing legal action.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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, credit repair services, or other personal consumer reports

The information far as my name and address that is reporting on my credit report is incorrect. My name is XXXX XXXX XXXX address XXXX XXXX XXXXXXXX XXXX del XXXX everything else on there is incorrect
Product: Credit reporting

XXXX placed a negative report on all XXXX reporting agencies. They never contacted me first. 
I spoke to Experian who told me to contact XXXX. I called XXXX XXXX Friday XXXX XXXX 2015 and spoke to XXXX XXXX. He said he would register the complaint. 
XXXX was charged and convicted by CFPB Colorado for same illegal practice in XXXX 2015. 
XXXX XXXX by using XXXX support these illegal activities. I do not have any debt everything is fully paid for. I have never not paid a bill. I have never been late paying a bill.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX at XXXX EST. I looked at my Email and i got one from PayPal saying I sent someone by the name of XXXX XXXX {$1000.00} via my bank account. I immediately changed my password and added 2FA on my account. And then once I was done that I contacted PayPal support team and told them it was unauthorized activity but they denied my claim and said there was no unauthorized activity on my account that day. I asked them what they do to determine if the account had unauthorized activity or not and they completely dived the question. I opened a case for unauthorized activity and almost immediately they denied it and said there was no unauthorized activity. Ive been talking with them for the past 10 days and they wont help at all. Im just trying to get my money back.
Product: Mortgage

I am writing to formally lodge a complaint against Superior Loan Servicing regarding an ongoing issue I have experienced in obtaining a payoff letter for my loan account. Despite my repeated requests for this document over the past two weeks, I have yet to receive it. 
I initially contacted the bank on XX/XX/year>, and subsequently followed up the following days on a daily basis but have been met with either no response or vague assurances that the matter is being addressed. As a result, I have been unable to settle my loan as I have not received the necessary payoff documentation. 
To make matters worse, I have recently been informed that additional interest and penalties have been applied to my account, which I believe are directly due to the delay in issuing the requested payoff letter. I find this not only unacceptable but also unfair, as the delay is on the part of your institution and not due to any action or inaction on my part. 
I kindly request that they : 1. Provide me with the payoff letter immediately.

2. Reverse any additional interest and penalties that have been charged to my account as a result of their delay in providing the requested information.

3. Confirm that my loan account is now fully up to date, or clarify any discrepancies in writing.

I expect a prompt resolution to this matter. Please consider this complaint as a formal request for rectification. 
Thank you for your prompt attention to this matter. I look forward to your swift and amicable resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have asked for my credit report for all 3 credit bureaus and they can't verify my identity or can't or won't send me a copy of my credit reports for some reason. I've also asked for a credit report for my daughter and they tell me that they can't get one, and also I've tried to report my ex husband XXXX since XX/XX/year>, but they tell me that I can't report him as XXXX and I'm not sure as to why because I'm his ex wife and he has been XXXX since XX/XX/year>.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$4300.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX