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

This problem began last year towards the end of XXXX. I saw my score drop almost XXXX points & knew something was wrong. Our mortgage company had falsely reported us missing a payment, so now I had an account in delinquency & for the first time ever : less than 100 % payment history. Immediately, we tried disputing this bc we knew it was incorrect. We got married last year, earlier in that same month, and we were actually ahead on our mortgage cause we paid more than we needed to that month or the month before ( just to be safe, since weddings can get expensive ). Neither the credit reporting agencies or our mortgage company have taken this error off my report since it happened, even though we have confirmed with our mortgage company that we didn't miss any payments & that our account is up to date. They've made this mistake multiple times since then, so much so, it now shows up as 3 missed/late payments. Since this happened last year, I've lost upwards of $ XXXX in credit card limits bc they would check my report, see the " delinquency '' and lower my limit, then my score would lower bc my utilization was higher ( due to the lower limit ) & when they'd check again routinely, they'd see lower score + " delinquency '' still & lower my limit AGAIN. I've been stuck in the financially debilitating cycle for over a year now & disputed time & time again thru XXXX XXXX  with transunion & XXXX no one will correct the errors. We have spoken to our mortgage company so many times now about this issue & I still can not understand why they won't correct their own error since our account is in good standing/we 're ahead on our loan/etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from XXXX XXXX on XX/XX/XXXX and XXXX, XXXX, XXXX. I do not remember giving authorization to this lender to do a hard inquiry.
Product: Credit reporting or other personal consumer reports

I am writing to express my disappointment regarding the lack of response to the multiple disputes I submitted to XXXX, Equifax, and XXXX. I identified inaccuracies in my credit report, listed the accounts, and detailed the violations under the Fair Credit Reporting Act. 

It has been over 30 days, and I have not received any response. Attached are copies of all letters sent. 

Please investigate and correct these inaccuracies promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company for three months requesting that they correct the information on my credit report. They continue to tell me to wait for 30days and the issue will be resolved and it has not been solved yet. The information they are reporting to the credit bureau is inaccurate and has been for multiple months. I have spoke to supervisors and multiple staffs I just started collecting employee IDs because paperwork that was discussed was never filed. I previously spoke to XXXX XXXX, and XXXX XXXX. XXXX was extremely rude and informed me theres nothing she could do. She also stated she would file a complaint and nothing was submitted. XXXX informed me as well there was nothing she could do to help me. But they have a credit reporting department and was unable to communicate with that department to assist me with resolving this matter.
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 XXXX 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 informationisinaccurate.
Product: Credit reporting or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. I have attached my FTC report and my ID-Theft Affidavit that I have filed on my local police department that would testify that I am a victim of Identity Theft. Please remove the following accounts : XXXX XXXX XXXX. Please remove this account ASAP.
Product: Credit reporting or other personal consumer reports

My account with this XXXX XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2024 to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

XXXX and transunion both are falsely reporting a XXXX XXXX XXXX XXXX account, account number is XXXX and they are showing XXXX payments past due on the account. the account information should show balance as current with XXXX lates. i reached out to XXXX XXXX XXXX XXXX about this account and it should be updated to reflect XXXX late payments. the balance is XXXX
Product: Debt collection

I hope this letter finds you well. I am writing to formally request the removal of late payments from my accounts. I understand the importance of accurate credit reporting and am reaching out to seek your assistance in rectifying the information associated with my account. I understand that your policies and procedures must be followed, and I am prepared to provide any necessary documentation or information to support my request. If there is a formal process for disputing or requesting the removal of late payments, please guide me on the steps required. XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX 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 me or XXXX - XXXX XXXX  and XXXX XXXX XXXX XXXX XXXXXXXX customer service representative.
Product: Credit reporting or other personal consumer reports

inaccurate reporting to consumer report and violation of privacy. I've reached out to the company in regards to all the violation they're doing in regards to my rights listed below. I'v sent notice XXXX in regards to all violations of my rights : PRIVACY ACT OF XXXX 15 USC 1681 15 USC 6508 15 USC 6802 15 USC 6805 16 CFR 313.7 16 CFR 433.2 15 USC 1681 eb 15 USC 1681 i7
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : [ XX/XX/2019 ] I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : THE BUREAUS Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacv.

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this dispute to address incorrect information reflected on my credit report. Upon reviewing my report, I identified errors related to several accounts that are inaccurately reported. These discrepancies need to be corrected immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 

For your reference, I have attached comprehensive letters outlining the specific accounts in question and the inaccuracies, along with supporting documentation. The issues include incorrect reporting of dates, account statuses, or other relevant information that does not accurately represent my credit history. These errors are impacting my credit score and overall financial standing. 

I kindly request that you investigate the attached details, rectify the errors, and remove any inaccurate data from my credit report. I expect my credit file to be updated with the correct information and that you will provide me with confirmation once the changes have been made, in compliance with FCRA requirements. 

If any additional information is needed to process this dispute, please contact me promptly. Thank you for your immediate attention to this matter, and I look forward to a swift and accurate resolution.
Product: Credit card or prepaid card

Back in XX/XX/XXXX. I paid my minimum due on my card at the time I was on XXXX and my money didn't hit the bank on time so therefore my check was returned twice. Walmart then closed my account. I called spoke to an account manager on XX/XX/XXXX. She advised me that if I made 2 consecutive payments on time they would reopen the account. Since then I have made more then two payments on time. And will be paying off the account on XX/XX/XXXX. I called yesterday XX/XX/XXXX and spoke to another account manager to see why they had not reopened my account her name was XXXX ID # XXXX and she stated she doesn't know why the account manager would tell me that and she would not honor that. How sad that this company doesn't stand true to their word.
Product: Student loan

Nelnet has been continuing to charge me interest on my student loans despite the fact that the federal government has told them not to due to Covid 19. Further, Nelnet has deferred interest on some loans but not mine and has given no explanation as to why which is discriminatory and in violation of the equal protection of the laws.
Product: Checking or savings account

I have been banking with Chime bank for over two years. My account was active up until XX/XX/2021 when I received an email in the evening advising me that my account had been closed due to non compliance of deposit agreement. However I just used my account and didnt do anything different for them to close account. There were no fraudulent activities at all. My direct deposit has been coming to this bank the same way over two years. When I contacted customer service I was advised they could not tell me exactly why it was closed but that I was in violation. I have reached out on more than one occasion and to no avail no assistance but they are keeping my funds without an explanation. Please assist as there was no valid reason or violation for my account to be closed without notice or valid reason
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX inquired on XX/XX/XXXX  ; XXXX XXXX XXXX  XXXX inquired on XX/XX/XXXX  ; XXXX  XXXX inquired on XX/XX/XXXX  ; XXXX  XXXXXXXX XXXX XXXX  inquired on XX/XX/XXXX  ; XXXX  XXXX XXXX inquired on XX/XX/XXXX  ; XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX  ; XXXX XXXX XXXX XXXX  XXXX XXXX inquired on XX/XX/. 






The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.
Product: Credit reporting or other personal consumer reports

I am writing this report because im an a victim of identity theft. Upon reviewing my credit report i noticed an account listed listed on my report under my name that i dont not recognize. I did not authorize this account. I have never applied or signed up for this credit card. The fraudulent account was opened without my consent.I respectfully ask that this account be investigated and removed from my credit report profiles immediately. The account is putting financial burden on my credit history. Please confirm in writing that this account has been deleted from my credit reports. I have attached an ftc identity report for the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts listed have violated my rights : - XXXX XXXX Account # : XXXX -US DEPT ED Account # : XXXX -US DEPT ED Account # : XXXX -DEPTEDXXXX  Account # : XXXX - XXXX XXXX  Account # : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX XXXX 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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax Experian trans union consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence di a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actio
ns may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX  ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX ( XXXX ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX  ( XXXX  ) XX/XX/2022 XXXX  XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.
Product: Credit card or prepaid card

i purchased a piece of software called XXXX that claimed to allow me to reset my forgotten password to my home computer. it was scam software. I tried to dispute the charge to my chase cc rep. they asked for my phone number so they could send a security code they claimed they were having difficulties sending the text and would call me back. did not happen.i called back they hung up. I called back they did the same security code thing again. asked how is sending a security code text to a number I provide prove who I am. I asked to accept my dispute claim. they refused
Product: Checking or savings account

My account was set for closure without a letter being mailed or a phone call to me at the updated number I provided to them. No email, nothing. 
Apparently, a wire for a vehicle I sold, was being recalled 2 months later. I received the wire from the buyers and have nothing to do with that company. They bought my vehicle and money for it was sent to my account. 
Now, I have no access to my funds, no access to online banking and no correspondence from the bank.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Price Change and Use of MVR and Insurance Score To Whom It May Concern : I am submitting this dispute to address concerns about a price change for my insurance policy based on information obtained from my Motor Vehicle Record ( MVR ) and credit history ( insurance score ). Below are the details of the issue and my request for clarification and resolution : Details of the Dispute 1. Motor Vehicle Record ( MVR ) : I was informed that my rate was updated based on driver-history details, including a record of an incident dated XX/XX/year> ( Failure to yield, stop, comply, or yield to pedestrian ). 
I am requesting a detailed explanation of how this information impacted my rate, given that the incident occurred over three years ago. 

2. Insurance Score and Credit History : My insurance score was cited as a factor in determining my revised premium. 
I understand that my score was obtained from TransUnion Corporation ( Consumer Relations Disclosure Center ). 
The notice indicated that TransUnion does not determine my premium and can not explain the pricing decision. However, I am seeking clarity on the specific factors from my credit report that contributed to the change. 

3. Transparency and Compliance : The notice stated, Take note that your Final Price is subject to underwriting verification. However, it did not adequately explain the specific underwriting criteria used to determine the rate change. 
I am concerned about the transparency of how my information was used and whether this decision complies with the federal Fair Credit Reporting Act ( FCRA ). 

My Requests : 1. A detailed explanation of how my MVR and insurance score specifically influenced the price revision.

2. Verification of the accuracy of the information used in determining my premium.

3. Confirmation that the companys actions comply with all relevant laws, including the FCRA.

4. Guidance on how to correct or dispute any inaccuracies with the reporting agencies involved. 

I would appreciate your prompt attention to this matter. I have also requested a copy of my consumer report from TransUnion to verify the accuracy of the information they provided. 

Thank you for your assistance. 

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

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports and this complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXX Balance {$1900.00} XXXX XXXX XXXX XXXX Balance {$990.00} XXXX XXXX Balance - XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXX Balance - Bankruptcy XXXX XXXXdischarged Reference Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company fraudulently claims that I owe them a debt. We have never had a contractual relationship and they have failed to provide lawful debt validation.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX, XXXX ( XXXX ) wired {$100000.00} USD from its XXXX XXXX XXXXXXXX to XXXX XXXX ( owned by Home Bancshares ). XXXX file a request to reverse the wire the same day. The funds were sent to XXXX XXXX XXXX XXXX to continue for New/Current Construction costs property XXXX XXXX XXXX XXXX, XXXX, FL XXXX Lot XXXX/XXXX. 

XXXX spoke with XXXX XXXX XXXX - President of XXXX XXXX   has said he would look into the issue. XXXX XXXX refuses to respond. 

XXXX XXXX 's actions are Violation of Florida State Statues for Civil and Criminal Theft.