23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have been trying to log into my account since XX/XX/XXXX and have not been able to. I keep receiving an error message that my account is closed. My account was closed XXXX XXXX, however, I was still able to log in and make payments, see statements, etc. 

I am now no longer able to log into my user portal and make payments and see statements because I am haulted at the " account closed '' screen. If my account is closed, and I am unable to make a payment, I would like Comenity to erase my account balance before it reports as delinquent to my credit reports. Every time I call customer service to inquire about my account, I either get disconnected or the representative can not locate my account. I am also unable to make a payment via phone because it can not locate my account. This is a nightmare! 

I have made good faith efforts to log in. I have attached a screenshot of the error page that I land on after entering in my username/password.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for financing and was sent a copy of the credit report agencies that submitted information, the company XXXX XXXX XXXXnexis lexis. After reviewing the information I noticed they have reported on a financing request I made, however there is actually no financial information included in this report. I have since requested my file be either deleted or frozen I received a letter but since then no response whatsoever.
Product: Credit reporting

Experian refuses to re-investigate the XXXX negative accounts and refuses to remove them even though they are past the statute of limitations. Also how is it they are still in business and not being sued by federal government for violating the fair trade act? They are currently being sued by the state of Mississippi for violating it. They are harming peoples lives by not doing what they are supposed to. Disputing an item once and not doing it again even XXXX years later goes against the fair trade act. When you call they try to pitch things for you to buy.
Product: Credit reporting or other personal consumer reports

I learned how to look over my credit report and to look for inaccurate and unauthorized use of my credit report 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. 

Hard 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 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. 
You may have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt. 

Please remove these accounts immediately
Product: Checking or savings account

I have a good amount of charges that weren't done by me while my card was lost. 
XXXX {$110.00} XXXX XXXX XXXX XXXX XXXX When I filed a claim on these charges I was told that my pin was used for some of them. My pin is not that hard of a pin so when I found out my debit card and my credit card was compromised I made a phone call to chase. After the call and the investigation they said they couldn't dispute it due to the fact that my pin was used and there's no sign of " fraudulent activity '', even though I never made any of these purchases
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX DOB : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX To whom it may concern you have violated my rights under the FCRA. 



XXXX- DATE LAST ACTIVE IS INACCURATE & ITS OUTDATED OVER 3 MONTHS NEED REMOVED DUE TO INACCURATE INFORMATION. NEED BANK FURNISHED STATEMENT & name or routing if not provided. Please remove XXXX XXXX- THIS ACCOUNT OVER 7 YEARS OLD NEED TO BE REMOVED DUE TO INACCURATE INFORMATION REPORTING OUTDATED INFORMATION PLEASE REMOVE ACCOUNT. 



REMOVE THESE ACCOUNTS DUE TO INACCURATE INFORMATION. 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverified variable account accounts unresolved. The customer financial protection bureau ( CFPB ) has recently filed a lawsuit against experience, alleging, systematic issues, such as failing to forward customer providing evidence to furnishers, excepting unreliable responses and failing to adequately notify customers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I have provided, causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX  in action, violates federal law, and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information that has been reported on my credit report. Upon reviewing my credit report on XX/XX/2024, I have identified several accounts that contain inaccurate information, which is adversely affecting my credit score and financial well-being. 

I have attempted to resolve these issues through the factual dispute method provided by your bureau, but unfortunately, the inaccuracies persist. Therefore, I am escalating my complaint to seek resolution through your Consumer Financial Protection Bureau ( CFPB ) complaint process. 

Below are the specific inaccuracies that I have identified on my credit report : XXXX XXXX XXXX - Acct # XXXX ( Inaccurate open dates ) XXXX XXXX  - Acct # XXXX ( Inaccurate date opened & date of last payment XXXX XXXX XXXX Acct # XXXX ( Inaccurate date opened, High Credit, Credit limit date of last payment ) XXXX XXXX - Acct XXXX XXXX ( Date of last active and date of last payment ) XXXX - Acct # XXXX ( Date Opened, Number of Months, Date of last active, date of last payment ) Despite my repeated attempts to rectify these inaccuracies, they remain unresolved. I urge you to investigate these matters promptly and take appropriate action to correct the erroneous information on my credit report. 

To include, according to 15 USC 1681s- 2, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or as reasonable cause to believe that the information is inaccurate. 

I have attached copies of relevant documents supporting my claims for your review and reference. 

Please provide me with a written response detailing the results of your investigation and any corrective actions taken to address the inaccuracies outlined above. 

Thank you for your attention to this matter. I look forward to a swift resolution of these issues.
Product: Mortgage

My name is XXXX XXXX. Greentree Lending/XXXX XXXX XXXX XXXX are currently forclosing on my mortgage. 
Before I had this lender I was with XXXX XXXX XXXX for 2 years. With the help of EHLP I paid my mortgage on time every month for 2 years. 
XXXX 2015 : End of EHLP assistance. I contacted XXXX XXXX XXXX to apply for a making home affordable modification. I sent in required documents and waited. 
XXXX 2015 : I received a letter from XXXX that they sold my loan to Greentree and that Greentree would be picking up where they left off with my modification. 
XXXX 2015 - XXXX 2015 : I heard nothing. Not a bill, no follow up on my modification, nothing. 
XXXX 2015 : I received a bill for XXXX to XXXX mortgage payments from greentree. I notified Greentree that they were supposed to be working on a modification for me and they told me they had no record of it so I applied for another through them. 
XXXX 2015 - roughly XXXX 2015 : I received a request for additional paperwork. I mailed in the additional paperwork and no word. 
XXXX 2015 : I received a letter saying they did not get paperwork they requested so I was denied a modification. I notified them I wanted to re-file. 
XXXX 2015 : Greentree lending Began the process of foreclosing on my home. Went to a mediation and got the assistance of a housing counselor. Applied with her help for another modification. Surprise! This time they gave me an offer for a mod however I was not able to get a XXXX XXXX because now I owed too much of a back bill to qualify for the hamp XXXX XXXX a month payment. They offered me a hamp XXXX mod for XXXX per month which is XXXX whole dollars less than what I can pay now. I appealed without the help of my counselor. They responded after my 30 day trial with a denial letter. 
XXXX 2015 : Went to another mediation without my housing counselor. I told them I could not afford XXXX per month and they refused to negotiate with me further to help me save my home. They stressed a quick sale.About XXXX weeks later I received foreclosure paperwork in the mail. 

If Greentree had n't dropped the bomb to begin with on my original request for modification I never would have been denied a hamp XXXX modification! I feel like they are trying to forclose on me and make a quick dollar. I have XXXX kids XXXX dogs and XXXX cats. Where are we supposed to do. They wont even negotiate and it was n't my fault they never picked up the paperwork from XXXX XXXX XXXX!
Product: Vehicle loan or lease

This auto dealership ( XXXX XXXX ) in XXXX XXXX, Florida, took {$1000.00} for a down payment for a used auto, but auto was delivered dirty and with tobacco smoke in it. That was 1 criteria of looking at the auto that it have NO Tobacco Smokes ( since I have allergies to tobacco smokes, mold, pet stinks as well as food allergies ). The auto was delivered 3 to 4 hours later than it should have been, it was dirty, had tobacco smokes in it. Then the dealership claimed they could not get another auto door lock for it since the one that they wanted to give me was broke, but said /I could still unlock it by the key. I waited for a while and then realized this company must have crooks working for them ( XXXX ) was the sales person, who claim to sell the auto. I took the auto back to the dealer and parked it on their lot for such Bad Business Practices and them not fixing the auto door lock as they said they would. I owe this dealership nothing, they tried to sell me an auto that was so heavy with tobacco smokes you could smell it very much upon opening the door, BAD BUSINESS PRACTICES. This was filed with the Missouri Attorney General as well as the XXXX. XXXX the personnel of XXXX was very RUDE in trying to converse with this issue in emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent many requests and no by law I am to be providing proof. The bureaus keep sending me letter stating account have been verified however are nor backed up by proof!! FCRA VIOLATION I would like the following accounts removed from my report. 
It is severely impacting me and is incorrect. 


XXXX XXXX XXXX - Account Number : XXXX 15 USC 1692 ( c ) I never lived here, Please remove this from my credit report. 


XXXX -Account Number : XXXX 15 USC 1681 ( A ) Delete late payments for XX/XX/2021 because I was never late Delete Late payments for XX/XX/2021 because I was never late
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Equifax is unable to help me remove this, CFPB please delete the accounts XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX a woman named XXXX XXXX ( XXXX ) from XXXX XXXX XXXX XXXX contacted me about a charged off store credit card. The voicemail reads ; Hey Mr. _____ this is XXXX XXXX ___ XXXX XXXX XXXX XXXX a case number XXXX I'm returning your phone call you did leave a voice message to get back in touch with you however I got it no answer again your case is actually scheduled for a litigation them tomorrow but if I am able to get your side of the story is see if I can help you in anyway I could actually put a stop on that could you please give me a call back at XXXX we do leave the office today at XXXX XXXX  Eastern standard time right now it is XXXX I made an agreement to pay 5 payments totaling {$500.00} to pay off my old store card. This was very similar to a deal i got in the mail from the company that first held my debt so i went along with it. Note : she had all of the store card information. Even the charge off amount. 

On XX/XX/XXXX she called to say this : This message is intended for a Mr. ______ ___________ this is XXXX XXXX for ___ XXXX XXXX XXXX XXXX please call us a payment reminder for your payment schedule to be automatically drafted out of the account for today 's date in the amount of {$100.00} um this is your second to last payment your last payment is scheduled to be dropped it out on the XXXX um that would close out this account 14 days after your last payment you will be receiving your paid in full documentation of two at physically close out the account and update your credit profile I can be reached at XXXX if anything changes please reference to your case number when calling _____ is XXXX XXXX  XXXX thank you have a good day Months later i noticed that this had still not dropped off my credit report. When contacted they sent me a sign off sheet for the amount paid. The card company has no idea who these people are, nor does their third party biller. 

When contacted they never would return a call and now the phone is no longer in service. Also i cant find anything with their Business name online. 

After a bit a got an email with right signature with the information. The email was from XXXX XXXX from XXXX Attachment below. 

Because this took me more than 60 days to discover, i am out {$500.00}. Nothin my bank or anyone will do. 


I will never pay anyone over the phone, ever again.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : 1. XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX XXXX  - XX/XX/XXXX 3. XXXX XXXX  - XX/XX/XXXX 4. XXXX XXXX XXXX XXXX - XX/XX/XXXX 5. XXXX XXXX XXXX - XX/XX/XXXX 6. XXXX XXXX XXXX - XX/XX/XXXX 7. XXXX XXXX  XXXX - XX/XX/XXXX 8. XXXX XXXX XXXX - XX/XX/XXXX 9. XXXX XXXX, XXXX XXXX - XX/XX/XXXX 10. XXXX - XX/XX/XXXX 11. XXXX XXXX, XXXX XXXX - XX/XX/XXXX 12. XXXX - XX/XX/XXXX 13. XXXX XXXX XXXX - XX/XX/XXXX 14. XXXX XXXX - XX/XX/XXXX 15. XXXX XXXX XXXX - XX/XX/XXXX 16. XXXX XXXX XXXX - XX/XX/XXXX 17. XXXX BANK - XX/XX/XXXX 18. XXXX XXXX - XX/XX/XXXX 19. XXXX - XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as Hartz v. Pacific Creditors Association ( XXXX  ) and Dennis v. BEH-1, LLC ( XXXX  ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theftt Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}. 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Debt collection

XXXX XXXX allowed an unauthorized user to discontinue service on my account without my knowledge. I found out about this through a collection agency and then contacted XXXX XXXX. They admired fault because my service should not have been able to be taken out of my name without my permission. Two years later this balance is back in XXXX XXXXs system and a new credit company, credence credit collection management has my account. I called both XXXX XXXX and credence and explained how this balance was resolved. XXXX XXXX said to call credence and ask them to give the account back to them because its frozen and they cant readjust it. Credence refuses to acknowledge that XXXX XXXX wants the account back and is being rude, wont let me speak to a supervisor and isnt trying to help me resolve this whatsoever. They just keep insisting the debt is valid. They finally said the account is under review, but said they cant give it back to XXXX XXXX when two XXXX XXXX reps told me thats the only way. My credit has been severely impacted from this now for almost 4 months and I need help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Written requests have been submitted to the 3 Credit Bureaus via Certified Mail and online to inform that this account with XXXX Bank, with account number XXXX and Credit Limit of {$3.00}, XXXX was never authorized. The bank was never permitted to open an account with the given information unless my personal requests are met. I believe they have understood my requests but as I checked my Credit Report, the account is still reporting with a closed status. I have instructed the Bureaus and the Bank to remove it from my Credit Report but they have consciously and continuously doing the same thing. I am doing my best to make my profile cohesive with and in good standing but the Bureaus and XXXX Bank 's actions are trying to ruin it.