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

I disagree with the account listed below which still appears on my credit report, even after the companies investigation. I would like this item re-investigated and immediately deleted. The inaccuracies are highly injurious to my credit score. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide me the names and business addresses of each individual with whom you verified the above information so that I may follow up. Please send me an updated copy of my credit report after you have completed your investigation.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting the account XXXX  ( Account Number : XXXX ) with a 30-day late payment, which I did not authorize or consent to. This reporting violates my rights under the FCRA, specifically 15 USC 1681b, which outlines the permissible purposes for accessing and reporting consumer information. Furthermore, I have identified discrepancies between the information reported by TransUnion and other credit bureaus, suggesting a failure to comply with the requirement to maintain the maximum possible accuracy under 15 USC 1681e ( b ). This inaccurate reporting has severely affected my credit profile and harmed my ability to obtain financial opportunities. I request an immediate investigation into this account 's reporting. If this issue is not resolved quickly, I will seek {$1000.00} in damages for willful non-compliance under 15 USC 1681n. Please address this matter urgently to prevent further action.
Product: Debt collection

I am not requesting a Debt Verification Letter but rather a Debt Validation Letter, which is my right under the FDCPA. Please provide me with the following information regarding each of the accounts
Product: Credit reporting or other personal consumer reports

I have submitted letters to them via XXXX XXXX, mail & via XXXX app, I am resending this letter to get validation of the debt and will need a response within XXXX days, the only send letters stating that the debt is verified but not how it has been verified or anything
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 Number : XXXX Account Name : XXXX FIN Account Number : XXXX and list of Inquiries. 


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.
Product: Student loan

I have applied for XXXX  during pandemic and to date I have 140 qualifying payments. I have provided work history from XXXX and it still hasn't been reflected. When the loan was serviced by Mohela, I had a record of 111 certified payments, however, the tracker skipped two years ( XXXX ) in the payment count. This inaccuracy has cause my student loan forgiveness to stall. There were at least 12 payment missing which would put me at least 132 payment. this discrepancy was not addressed before Mohela was transitioned to XXXX XXXX. Now my payment history and verified documents were lost in the transition.
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  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : 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.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00}
Product: Checking or savings account

I have not been able to access my direct deposit. The company did not send any notice that were experiencing technical difficulties allegedly due to a third party vendor. I have bills due that I am receiving late notices and return payment fees on. It has been XXXX  days. Customers were initially told it would be resolved promptly XXXX  days is not prompt when bill are due and you have no groceries or access to your money. This is absolutely unacceptable
Product: Payday loan, title loan, or personal loan

i borrwed  XXXX  dollars and paying  XXXX  each payday ever y two weeks  and the amount i pay didnt credit my account. They are charging me over  XXXX  dollars in interst for a  XXXX  dollar payday loan. I cant afford.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to validate my accounts ( XXXX XXXX XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, and has violated my consumer laws based off Under 15 USC1681b- permissible purpose of consumer reports
Product: Credit reporting or other personal consumer reports

failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

Bank of America checking account created in my name fraudulently. Can not access account or customer service to have account closed.
Product: Credit reporting or other personal consumer reports

The date of last activity was re-aged when this collection agency falsely stated that it was verified. Furthermore, the original account was never verified ; how can this account continue to report on my credit? Not only is the date last active incorrectly reporting, but the payment history is also inconsistent between the 3 bureaus. This is a clear violation of the FDCPA. This is unlawful reporting and the account XXXX XXXX XXXX XXXX must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters and as well called only to get rude customer service and no help. I have a fraud alert on my credit profiles and it's frozen until this gets this resolved. I have a account that was fraudulently placed. That is linked to a mailing address ( i have never lived at ) i have provided PROOF but the credit agencies ( equifax, XXXX, and XXXXXXXX ) of my current address that i have been at for 28 YEARS. But they want me to call the FRAUD company and update my address with them. NO! i am not calling to update that information. I'm sure you can understand why!!! Needless, to say i was impacted by the equifax data breach as well. THIS IS RIDICULOUS!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  # XXXX, has violated my rights. 

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 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I submitted a dispute on XX/XX/2024 to Transunion by mail and followed up with a phone call. I was told that they had no dispute on file. This has been very frustrating as this is not the first time that I submitted a dispute and got this same response. This account is not accurate and needs to be removed off of my credit report as it already has been removed from XXXX and XXXX. Attached is the dispute that I sent in that has not been reviewed or answered. I would like to make sure that all necessary measures are taken according to the FCRA when doing the investigation See attached dispute letter
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX 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, XXXX '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 ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Student loan

On XX/XX/year>, my bank made an automatic payment to my student loan provider for {$160.00}. Mohela only credited my account {$50.00}. In late XXXX, I received notice that my loan was past due. I contacted the company via phone on XX/XX/XXXX and emailed the same day to correct the mistake. I was told to call back and talk to an account supervisor on XX/XX/XXXX. I uploaded XXXX documents from my bank which showed the correct payment- my bank statement and the payment confirmation. I spoke to someone on the morning of XX/XX/XXXX who assured me this would be reviewed and resolved within 10 days. She told me she would put my loan into forbearance until this is resolved so I would not be charged interest for the missing amount. I emailed on XX/XX/XXXX and uploaded the documents again since they disappeared from the inbox. I have had NO response. Today, I checked my account and not only have they not responded, but the payment hasnt been credited and interest is being charged again. I emailed them again tonight but I do not expect to get a response.
Product: Credit card

I have independently resolved my issue with my Macy 's XXXX card, and since closed my account, but wish to document with the CFPB and I ask that you pursue with Macy 's as a complaint about this business practice. 
It appears that Macy 's charges an additional {$2.00} " minimum interest fee '' every month, even if you are receiving a bill for the first time for items you have purchased. Not clear, even from reading " the fine print '', what this fee is. 
We discovered this when we were trying to resolve past due payments for which we had never received a bill, neither online nor hardcopy ( though online is our stated preferred method ). Seems to me that this is a fee easily overlooked by Macy 's customers and therefore a clever way ( in my opinion ) for Macy 's to cover the cost of credit card shopping. I certainly agree that people should review their bills every month, but I am betting most people do n't. 
I never got an argument from Macy 's when I disputed this fee, which raises my level of suspicion even more. in fact, once I resolved the overdue payments, made the final payment, and closed the account, I got a bill in early XXXX with a {$0.00} balance AND ANOTHER {$2.00} MINIMUM INTEREST FEE CHARGE!!!!!! 
If you need more specific information, please contact me.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this alleged collection account. This account is being unfairly reported to my reports. Please supply proof of verification, 1 ) the name and address of the creditor to whom the debt is currently owed, 2 ) The account number used by that creditor 3 ) The amount owed to that creditor 4 ) The date the current creditor obtained the debt If this debt started with a different creditor, please provide the following information of the original creditor : 1 ) The name and address of the original creditor 2 ) The account number used by the original creditor 3 ) The amount owed to the original creditor at the time it was transferred When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Please provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person and provide verification and documentation about why this is a debt that I must now pay.
Product: Credit reporting or other personal consumer reports

The Experian database back in XXXX I was apparently involved in it I found out today actually that I was involved in it my dad was late there's 10 different bank accounts and everything else I don't on the web because of them on me now because of this they said they notified me back in XXXX on XX/XX/XXXX so this was sent out by email and by now I don't know where they sent it but they said they did and I never seen notification of it not once and now it's too late XXXX falling on the claim and this is why my identity has been stolen all this has been going on behind my back and I didn't know it until recently and after everything you know this and the Federal reserve says I'm something XXXX dollars in that because this identity theft well if I don't know about settlement if I don't know about that experience I've never had nothing and I'll never have nothing now because of that bridge that I was not informed about experience should have told me and they did not
Product: Credit reporting or other personal consumer reports

Good afternoon and happy new year, I am writing to bring an urgent matter to your attention regarding my credit history. Over the past year, I have been reviewing and communicating with your company about errors and unknown information on my credit report. On XX/XX/XXXX, XXXX XXXX XXXX filed my dispute with updated information, associated with consumer number ( XXXX ) and case number ( XXXX ). It has now been over 30 days, and I have yet to receive a response from your company. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 607, 609, and 611, you are required to investigate disputes and respond within a reasonable timeframe. Due to your failure to act on the inaccuracies I reported, all incorrect information must be deleted immediately. 

The lack of communication and urgency has resulted in significant harm to my credit score, which is now classified as " POOR '' as of XX/XX/XXXX. This situation has severely limited my ability to increase my credit limit and seek assistance from other banks and lenders. Below are the specific issues I have encountered : 1. Inability to access my credit history.

2. Inaccurate and misleading information listed in my report.

3. Negative information and false entries that are not accurate.

4. Unknown addresses and accounts that have not been verified or confirmed with my signature and proof of identity.

5. Updated information that I did not approve, which I believe violates the FCRA.

6. Reporting of late payments that are illegal ; only current and on-time payments should be reported. 

As of XX/XX/XXXX, I have decided to seek legal counsel and pursue legal action due to these unresolved issues. I request that you only contact me regarding the correction of these errors and provide supporting evidence and documentation of the actions taken. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and noticed a lot of things that I didn't apply for or used on it. It is messing up my credit and my opportunity to get the things I need. So I need these items removed for good.
Product: Credit reporting

XXXX put XXXX debt on my account after it was paid before collection. I called they told they do n't have my account it was sold and theres nothing they can do
Product: Debt collection

I ordered an oven from XXXX online. It was the wrong size so I cancelled it on the same day. 
They use a 3rd party finance company called XXXX which I had used many times previously. 
XXXX will not remove the debt despite my having cancellation confirmation from XXXX and despite XXXX reaching out to them. 
XXXX has been texting, emailing and writing to me trying to collect a debt for an item never shipped or received from XXXX. 
They say I owe them {$1300.00}. 
I have submitted to them copies of emails from XXXX and still they will not leave me along. This began last summer. 
I feel this need to be addressed and to be something that future consumers need to know as to how XXXX and XXXX handle this type of issue.
Product: Student loan

I tried to transfer my school loans from Navient to XXXX in XX/XX/XXXX because I was making payments but was unable to get out of just paying interest so it felt like I was n't getting anywhere with the progress of paying off my loans. When I switched over to XXXX I was able to get out of paying off my just my interest and started seeing progress to paying off the principle as well after a couple months. I made payments to XXXX from XX/XX/XXXX - XX/XX/XXXX. Then, I went to make a payment but was told that I did not owe anything and that my loan was paid off. There was no communication to me about what was happening with my school loans. All of a sudden, I started to receive all the money I paid to XXXX for the year back in my bank account. I call both XXXX & Navient to find out an answer to what was going on with the loans but neither institution was able to provide any information. I was told by both institutions that I did not owe either company any money in XX/XX/XXXX. I reached out to Federal Student aid in XX/XX/XXXX to see if they could locate my loans or see what happened but they were not able to find anything out. So after searching for answers and coming up with none, I decided to put my money in a savings account because I knew it would come back one day. Well, that happened in XX/XX/XXXX when Navient contacted me via email about paying off my debt. However, when Navient contacted me I was starting my XXXX and was unable to devote any time or money to the situation. When I looked into the amount of my loan it had increased from {$51000.00} to {$58.00} or $ XXXX in interest. I am looking to gain an explanation to happened to my loans, why I received the payments I made back and why I was not able to stay with XXXX. Also, I do not think its fair that I was charged interest on my loans and I want any interests charges removed from the time I switched to XXXX to now.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The fraudulent inquiries I have found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX accounts XXXX and XXXX I have disputed on plenty occasions and Equifax has continuously reporting wrong and I'm trying not to take further legal actions but this needs to me resolved ... .I need this fixed now ... .the two credit bureaus got it right before whatever reason Equifax continues to get it wrong and I need it resolved now!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX