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

Under the new law effective XXXX 2017 any public record data must include name, address as well as SSN and DOB in order for it to appear on your credit file not to mention it should also be verified. XXXX  and XXXX has removed this incorrect information from my credit profile. Transunion has failed to update the information and per the new law true bankruptcy listed does not contain this information and should be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  realized they made an error on lease agreement after all parties signed and agreed to contract. Manager at XXXX XXXX XXXX attempted to make changes to one page to correct error which is illegal. The company then illegally reported to collections once lease ended.
Product: Mortgage

I called Citizens bank on numerous occasions to have my mailing address changed as I have not received any statements from them - they advised me I must go into the bank to change my address. I went into the bank and changed my address as directed. Still no statements. I called again to change my address. I was told it was all set. Still no statements. This account went delinquent due to no statements and effected my credit score by numerous points. I called again and brought the account current ( {$1100.00} ) and to emphasize my address needed to be changed - the rep assured me it had been changed. To this day i still have not received a statement. This has resulted in a much lower score and have suffered higher interest rates because of this. I receive no letters, phone calls or any type of correspondence from this company
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account since XX/XX/2021. This account is part of data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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 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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Please confirm the information shown in this collection account. The unverified account listed below is still reporting on my credit report in violation of Federal Law. This account was already PAID. I am no longer indebted to this company or its practices. Send any and all documentation that validates your investigation and comments and that the Credit Bureau is legally allowed to report this on my credit report. If unable to, remove the account immediately.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I have late payments on a XXXX store card & a XXXX  authorize user card. That I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information that is VERIFIED & AUTHORIZED. I as a consumer never verified nor authorized any of the false information being reported. This is a VIOLATION OF MY RIGHTS as a consumer. I also never gave you my written or oral consent to report this false information. Which is causing DAMAGES to my RIGHT to be extended credit. I have NEVER been late on a payment. I demand all payments to be updated to paid on time as I the consumer was never late on a payment.
Product: Debt collection

well i paid everything i owed in XXXX and then i left the line and i called the next day and they told me my balance was {$0.00} after 2 months they send me a letter and telling me u own {$620.00} and i wanted to know why.
Product: Checking or savings account

I am writing to file a complaint against Navy federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, Where transactions settled with insufficient balance despite initially available fund. I believe these practices are unfair and request and investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. I called each collection agency and asked for a purchase agreement they weren't able to provide.These remarks have been Detrimental to my life and credit health.
Product: Payday loan, title loan, personal loan, or advance loan

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Affirm , Inc., a financial services company, due to ongoing and unjustified account restrictions that have prevented me from making my loan payments since XX/XX/XXXX. Despite numerous attempts to resolve the issue, Affirm has failed to take any meaningful action. 

Since XX/XX/XXXX, Affirm has repeatedly blocked my account for suspected fraud without any valid reason or prior notice. I have had to contact their customer service multiple times, including in XX/XX/XXXX and again on XX/XX/XXXX, to request access to my account so that I can make my required loan payments. Each time, Affirm representatives have promised to send an email for account verification, but I have never received any such email or follow-up communication. 

This repetitive cycle of account restrictions, lack of follow-through, and failure to escalate my concerns has caused unnecessary frustration and financial hardship. I am unable to make payments on my loan due to XXXX negligence, and I am concerned that this may negatively impact my credit standing. I have repeatedly asked for my case to be escalated, yet I continue to face the same issue every few months without resolution. 

Requested Resolution I respectfully request the CFPB to intervene and require Affirm to : 1. Immediately and permanently unblock my account so I can make my payments without further disruptions.

2. Provide written assurance that I will no longer face wrongful account suspensions.

3. Ensure my payments are properly processed and that I am not penalized for missed payments due to their negligence.

4. Compensate me for any financial damages, including late fees or potential credit score impacts, caused by their repeated account restrictions.

If this matter is not promptly resolved, I will be left with no choice but to escalate my complaint further, including filing grievances with the XXXX XXXX XXXX XXXX XXXX  ), my states Attorney Generals Office, and the Federal Trade Commission ( FTC ).

I appreciate your assistance in this matter and look forward to a prompt resolution. Please feel free to contact me at XXXX or XXXX for any additional information. 

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

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$69.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, DXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$5900.00}, {$620.00}, {$1100.00}, {$1000.00}, {$2400.00}, {$6900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 


-- AUTO LOAN OR LEASE 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$620.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXXwith a balance of {$6900.00} -This is not my account.
Product: Credit card

I am filing a complaint against Forever 21 due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Forever 21 failed to take timely and effective measures to prevent and address problems on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply to dealing with my account properly with my payments or anything as well as customer service ive talked to numerous of times were rude and said theyd take care of it but still have not and its been 4 years. These actions have caused significant inconvenience and financial loss, as well and credit score dropping due to inaccurate late payments as well as inaccurate closing of my account and i seek appropriate redress for these violations. 
Under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( billing error resolution )
Product: Payday loan, title loan, or personal loan

I was behind on my payments and needed a hardship option. This was not offered to me, I received a phone call this morning ( XX/XX/XXXX ) asking for payment. I asked for hardship option and told them I was working with debt relief agency. I told them I could not make a payment today and they said that I was 67 past due and that after 180 days it would go to collections and they could work with a 3rd party at that point. They did not inform me at this point that my account had gone into collections, as they said it would happen only after 180 days. Later the same day ( XX/XX/XXXX ) Regions debited {$320.00} from my checking account with out notification and without my permission leaving me with {$18.00}. 

I called and was told several times that there was nothing Regions could do about this.
Product: Debt collection

I have recently pulled my credit report and noticed a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am the party contractually bound to pay off this debt or stop collection activity and remove it altogether. Please attach copies of the following documents : Agreement that you have the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor with promises to pay the original creditor. Complete payment history on this account, to prove that the amount you wish to collect is correct. I hope your legal staff will agree that non-compliance with this request will result in serious legal trouble for your company.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THESE HARD INQUIRIES AND REQUEST THAT THEY BE DELETED... 

XXXX DELAWARE XX/XX/year>2025 XX/XX/XXXX XXXX XXXX/XXXX/2025
Product: Checking or savings account

On Friday XX/XX/24 I attempted multiple times to add funds from my bank to my Venmo debit card. I kept getting errors. Then I received an email advising that there was an " issue '' and Venmo needed a copy of my ID and me holding my ID. I promptly provided a picture of my ID but advised I would not be including a photo of myself holding my ID. I didn't receive a response so I attempted to use the chat option. I was only told 10 to 15 business days. I asked for a manager and was told they would try to help in 72 hours. I then received an additional email asking for my most recent bank statement. I provided that and did not get a response. I reached back out via email and the response I received back advised another team needed to review and it would be another 10-15 business days. I replied back that I just need access to the funds in order to close the account and cancel the service. I haven't been able to get a response.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year> I was a victim of identity fraud in the amount of {$1700.00} and the balance old is {$1900.00} I have one to my local police district and made a police report and I have copies of the report the student account or loan was open with my information but I'm not the one that applied for it I have contacted this company more than once I was just recently told from the US department education that this is not their issue but they're still reporting on all my credit reports this account is a fraud and under that fcra law estates us 15 code 1681 e that any information on a person 's credit report that is inaccurate it must be updated and removed immediately this account is a fraudulent account and it should not be reported on my credit report
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information reported on my credit file by Experian, which is in violation of the Fair Credit Reporting Act ( FCRA ), and the precedent established in the case XXXX vs. Experian Information Solutions , Inc.

The account details in question are as follows : Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Account charged off. {$2200.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$2200.00} Balance Updated : XX/XX/XXXX Credit Limit : {$2000.00} Highest Balance : {$2200.00} On Record Until : XX/XX/XXXX The discrepancies and errors in the report, compounded by the fact that the address associated with this account is not mine and despite my previous disputes, Experian has failed to verify the information, are as follows : 1. **Incorrect Address** : The address associated with the account does not belong to me, indicating a serious error in reporting personal information.

2. **Inconsistent Reporting of Balance** : The reported balance of {$2200.00} conflicts with the highest balance reported as {$2200.00}. This discrepancy nee
ds clarification and correction under FCRA Section 611.

3. **Incorrect Payment History** : The payment history indicates both past due days ( 30, 60, 90, 120, 150 ) and a " CO '' ( Charge Off ) status for the same months, which is inconsistent and violates FCRA guidelines for accurate reporting.

4. **Failure to Verify Information** : Despite multiple previous disputes, Experian has failed to verify the accuracy of the reported information, which is a clear violation of FCRA Section 611 and the case law established in XXXX vs. Experian Information Solutions , Inc .

5. **Unclear Status Updates** : The status was updated in XX/XX/XXXX, but the balance was updated in XX/XX/XXXX. This discrepancy raises concerns about the accuracy of current reporting and compliance with FCRA guidelines. 

I request Experian to conduct a thorough investigation into these discrepancies, correct the inaccurate information promptly, and provide me with a written confirmation of the corrections made. Additionally, I request the removal of the incorrect address associated with this account. 

Failure to rectify these errors and verify the accuracy of the reported information will leave me no choice but to pursue legal action, seeking damages and remedies available under the FCRA. 

Enclosed are copies of relevant documents supporting my dispute, including copies of the credit report highlighting the inaccuracies, previous correspondence regarding this matter, and proof of my attempts to dispute and verify the information. 

Please treat this matter with urgency and provide a written response within 30 days outlining the actions Experian will take to rectify these errors, remove the incorrect address, and verify the accuracy of the reported information. 

Thank you for your immediate attention to this matter. 

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

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$130.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$690.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$660.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$440.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4800.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2000.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$180.00}, XXXX ( Date Opened : XX/XX/XXXX, Balance : {$150.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

Received a scam call on Friday, XX/XX/XXXX stating representative was calling from Wells Fargo and there were suspicious transactions on my debt card. I was asked anything changed on the account. I said no. Received a call from Wells Fargo branch manager from XXXX, California at XXXX PST stating someone was impersonating me in the branch trying to withdraw funds from my account. Banker denied the transaction. I called Wells Fargo customer service to report fraud. I logged into my Wells Fargo account online and saw fraud transactions. Hacker transferred {$5000.00} from my savings to checking through telephone. Then hacker went to atm machine in XXXX California and withdrew two amounts, {$2000.00} and {$100.00}. Then hacker went to the Wells Fargo in XXXX California and withdrew {$3600.00} in branch in person. And then went to the atm in XXXX California and withdrew {$1000.00} from atm machine. I went to the XXXX XXXX, California at Wells Fargo branch on Monday, XX/XX/XXXX to ask assistance from banker to open claims for the withdrawal transactions and telephone transfer. And returned back to the branch at XXXX XXXX, California at Wells Fargo on Tuesday, XX/XX/XXXX for assistance from banker to have new account numbers and get access for mobile banking app. I called Wells Fargo customer service on Tuesday, XX/XX/XXXX asking if there was a call log from the call from Friday, XX/XX/XXXX and informed me no call record for the call. I called Wells Fargo customer service on Tuesday, XX/XX/XXXX to verify if the claims were opened for the fraud transaction and was informed the claims were opened incorrectly. Opened 4 claims in total on Wednesday, XX/XX/XXXX. I was in branch a total of 6 hours within 3 days straight and was on the phone with Wells Fargo fraud department a total of 5 hours within 3 days. Horrible assistance over the phone with Wells Fargo. Wells Fargo lack security with in person withdrawals in branch and atm.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are on my Experian Credit Report without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
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 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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from company information, Transunion. Please delete the following accounts. XXXX XXXX XXXX {$10.00}, XXXX. XXXX XXXX {$380.00}. XXXX XXXX {$650.00}.