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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Re : Dispute of Inaccurate Late Payments Reporting Dear Sir/Madam, I am writing to formally dispute an inaccurate late payment ( XXXX ) reported on my credit file under the 1666 ( b ) Compliance Procedure. I have reviewed my credit report and noticed that the payment history reported by your bureau contains discrepancies. The late payments listed on my credit report do not accurately reflect my payment history for the referenced account ( XXXX ), and I am requesting an immediate investigation under the provisions of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

Below are the specific details regarding the disputed entry : Account Name/Number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Amount : {$28000.00} Account Name/Number : XXXX XXXX**** Date : XX/XX/XXXX Amount : {$340.00} Account Name/Number : XXXX XXXX XXXXXXXX - Date : XX/XX/XXXX Amount : {$2200.00} Account Name/Number : XXXX XXXX XXXXXXXX - Date : XX/XX/XXXX Amount : {$2200.00} Account Name/Number : XXXX XXXX XXXXXXXX - Date : XX/XX/XXXX Amount : {$2300.00} Account Name/Number : XXXX XXXXXXXX Date : XX/XX/XXXX Amount : Paid According to the 1666 ( b ) Compliance Procedure, you are required to investigate and resolve this dispute within XXXX days of receipt of this letter. I respectfully request that you remove the inaccurate late payment entry from my credit report or provide me with detailed evidence if the entry is to remain. 

Please also notify me in writing of the results of your investigation and provide an updated version of my credit report once the dispute has been resolved. 
Please confirm receipt of this dispute letter and keep me informed regarding the progress of the investigation. I look forward to your prompt resolution of this matter. 

Thank you for your attention to this urgent issue. 

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

XXXX accordance with the XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C.1681 section 602 A. States I have the rights 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

On XX/XX/2025, I spoke with XXXX, an Experian XXXX, regarding my FCRA XXXX Identity Theft Fraud Block request, which included all necessary supporting documentation. Despite my compliance with legal requirements, Experian improperly closed my dispute without conducting any investigation, violating FCRA 611 ( 15 U.S.C. 1681i ), which mandates a proper reinvestigation of disputed information. XXXX, referencing XXXX # XXXX, informed me that I must contact the creditors to verify the disputed information, effectively shifting the investigation responsibility to me. This mirrors recent allegations by the CFPB against Experian for failing to conduct proper investigations and removing or reinserting errors on credit reports, which threaten consumers ' access to credit, employment, and housing. I am providing the documentation for the fraudulent items on my credit report, including a reinstated XXXX XXXX account ( Account # XXXX ) and XXXX XXXX XXXX Account # ( XXXX ), and request that the CFPB investigate Experian 's XXXX to uphold its legal obligations. Attached are my previous dispute requests and proof of Experian 's failure to investigate, and I request that these items be blocked and removed within XXXX days of receipt. Previous CFPB Complaint # 's XXXX and XXXX
Product: Credit reporting or other personal consumer reports

The companies that are listed reporting inquiries on my credit report that i do not recall. 

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 have asked for documentation providing proof I applied for credit with all the creditors listed and have not received the proof in a 30day timeframe. Please remove the inquiries from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I understand that FCRA 605B requires us to remove any erroneous accounts from my credit report. Can you check the documents for me? Some accounts show incorrect reporting, with inaccurate amounts and dates.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered that incorrect personal information has been listed, which has resulted in the appearance of accounts that I do not recognize or own. This situation is both troubling and unacceptable, as these inaccuracies are impacting my financial record.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Dispute made with XXXX. Report XXXX XXXX Date Generated XXXX XXXX XXXX - Advising to contact the entity who originated. But this entity is no longer in business and has never contacted me. There is no way to contact this company so how was this able to be purchased. FRAUD. 

ACCOUNT NUMBER : XXXX ; {$410.00} ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A : States I have a right to privacy 15 USC 1681 Section 604 A : Section 2 : Also, state a consumer report agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) section states : No consumer report agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years 15 USC 1681s2 ( a ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.
Product: Credit card

Sams Club/Synchrony Bank Apparently these companies are changing the " rules '' daily. I have noticed that the wording on the statement states Mail in payments ( which i never have used in the whole duration of this credit card history ) states cut off time for making payments is XXXX XXXX and all other payments at XXXXXXXX XXXX. 

XXXX ) Why are the " rules '' changing I did not agree to them when I agreed to your " terms ''. 
XXXX ) why am I provided eastern time zones when I live in a XXXX XXXX XXXX? 
XXXX ) One would think its unethical and not a proper business relationship to change terms in the middle of a contract that by design sets you up for failure to create additional revenue for them? i am not in agreeance but have no choice but accept their unethical terms or I can just simply pay the balance off? 

Review : Synchrony Bank has jumped on board with the other unethical companies to change the wording on your statement this is designed to mislead their customers so they gain additional revenue. This is unethical immoral and should be addressed. They should not be allowed to do business in this manner. I want all my late fees and bad credit markings removed and i want them fine and penalized.
Product: Debt collection

XXXX XXXX XXXX XXXX is trying to collect {$15000.00} from one of my accounts... 

I have been really sick for about a year and lost my income. I am not sure what to do?
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon Recieving a copy of my credit report i discover fraudulent accounts and inquiries on my credit report. I contacted the CFPB and FTC and followed the proper protocols put in place to file a identity theft report. list of fraudulent inquiries from equifax XXXX : XX/XX/XXXX XXXX FCU : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX Services XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2021
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX was a total loss in XXXX of XXXX. Insurance paid the total amount expect for {$1500.00}. I paid {$1500.00} as of XX/XX/XXXX. Also was told it would be corrected on my credit after 10 days. Which thats incorrect because its still showing a repo.
Product: Payday loan, title loan, personal loan, or advance loan

The IRS defines a Charge Off as cancelled debt. When a debt is cancelled a FORM 1099C must be issued. The IRS states that a cancelled debt is Gross or ordinary income, INCOME DOES NOT GET REPORTED TO THE CONSUMER REPORTING AGENCIES so, why is Check N Go furnishing a Charge Off on my consumer report? This account can not be a charge off and a collection at the same time which Check N Go did mention that Check N Go sold this canceled debt to a debt collector! Again, a charge off is a cancelled debt where a form 1099C must be issued to the me! How can you collect on a canceled debt? The collection on a cancelled debt that has been charge off constitutes tax fraud and the matter will be reported to the IRS! Encase you are confused about a write-off as well. A write off of a debt is cancellation of a debt in the account books of a creditor. When a creditor writes off a debt and charges the debtor on the extra amount after the written off debt, it can be taken as evidence that the debtor is discharged from that written off debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing to dispute a fraudulent collection account that has been wrongly reported on my XXXX, TransUnion, and XXXX credit reports by XXXX XXXXXXXX XXXX. I am deeply concerned about the impact this false information may have on my credit history, financial stability, and overall well-being. 

In XX/XX/2023, I discovered that there was a collection account on my credit reports from XXXX XXXX XXXX, which I had no knowledge of. I contacted XXXX XXXX  XXXX immediately, and they informed me that the account was opened in my name in XXXX XXXX 

I was taken aback by this information since I have never had any financial dealings with XXXX XXXXXXXX XXXX. I explained this to their representative, but they were unhelpful and insisted that I was responsible for the debt. They also refused to provide me with any supporting documentation. 

Since then, I have been trying to clear my name and remove this fraudulent account from my credit reports. I have filed disputes with all three credit bureaus, but they have all come back stating that the account is valid. This has been an extremely stressful and frustrating experience, and I am at a loss as to what to do next. 

I am confident that I am not responsible for this debt, and I believe that XXXX XXXX  XXXX has made an error in reporting it on my credit reports. I have always been responsible with my finances, and I take great pride in maintaining a good credit score. This fraudulent account has negatively impacted my credit score, and I am afraid that it will continue to do so if it is not removed. 

I am appealing to the CFPB to intervene in this matter and help me clear my name. I respectfully request that you investigate this matter thoroughly and order XXXX XXXX XXXX to remove this fraudulent account from my credit reports. I am happy to provide any additional information or documentation to support my claim. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXX and Equifax credit bureaus XX/XX/XXXX, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, 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  XXXX Date Opened : XX/XX/XXXX Balance : {$450.00}
Product: Money transfer, virtual currency, or money service

on XX/XX/22 I attempted to open my Chime app and was greeted with " Account suspended for suspicious activity '' XXXX XXXX XXXX XXXX'. i emailed the review email and got no response. I then called the support number over the next few days and talked with multiple supervisors saying that they are unable to do anything or unable to contact the department that reviews my account. they told me to email XXXX with documentation which I did and waited for about a week. I have around XXXX XXXX  in the account that I transferred from my XXXX XXXX XXXX account. I need this money for bills, gas, and food. I have gotten no update or anything back from them. this is ridiculous, shouldn't take this long when support said it would only be 1-2 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian are still falsely reporting accounts on my consumer report which is causing me great pain and anguish, I am taking steps to get better sleep but looking at the inaccuracies keeps me up at night. XXXX XXXX Bank has admitted fault and determined the fraudulent remarks and account were furnished in error. My social security card was used and manipulated with no benefit to me.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the ongoing and egregious violations of my consumer rights by XXXX, XXXX, and TransUnion. Upon reviewing my credit report, I have discovered numerous instances of personal information being reported without my consent, including fraudulent accounts, unauthorized addresses, incorrect names, and inaccurate dates of birth. 

Despite my repeated attempts to rectify these issues by reporting them to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the respective credit reporting agencies on more than five occasions, the problem persists. Each time I bring these matters to the attention of the relevant authorities and companies, temporary remedies are applied, only for the same inaccuracies to resurface on my credit report shortly thereafter. 

This pattern of behavior has not only caused undue stress and inconvenience but has also put my financial well-being and personal security at risk. It is unacceptable that these companies continue to disregard my rights as a consumer and fail to uphold their obligations under the Fair Credit Reporting Act ( FCRA ). 

Attached to this correspondence, you will find documentation supporting the validity of my claims, including correspondence with the aforementioned agencies and evidence of the recurring inaccuracies on my credit report. 

I urge you to take immediate action to address these issues and ensure that my consumer rights are upheld. I expect a prompt and thorough investigation into this matter, as well as the implementation of measures to prevent similar occurrences in the future. 

Thank you for your attention to this matter. I look forward to your timely response and resolution of these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Factual data fraudulently inquired regarding my credit for a fraudulent mortgage lender " XXXX ''. The company did not receive my permission to run my credit in the span of the 10 months that they attempted to provide me with a fraudulent and predatory loan.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

account name : XXXX  XXXX Account number : XXXX
Product: Debt collection

I never lived at address that the company had on file nor did I have the phone number. I had no knowledge of this account. I have disputed this collection numerous times, they have failed to provide me any information. This is not my account/ debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Transunion disputes regarding the XXXX  account not reporting accurately across all three credit bureaus, specifying that I woud like this account to be removed for all of the inaccuracies and they have not done anything but update this account. 

I have also filed a police report and sent an identity theft affadavit to XXXX XXXX, but Transunion has come back stating they have said its verified. I know this is not true because they have not even finished their own investigation yet. Transunion seems to not be investigating my issues thoroughly and just sending me automatic responses it seems.
Product: Credit reporting or other personal consumer reports

I trade in my mercedes bendz on a XXXX dealer, they already pay off my mercedes benz account and they still reporting a balabnce
Product: Credit reporting or other personal consumer reports

XXXX Account : XXXX and XXXX Acct XXXX have repossession remarks against me on my credit report. It is hurting my ability to work and I am not able to get any transportation because of it. They both went on private gated property and repossessed both vehicles. According to Florida law when it comes to towing you don't have permission to follow someone into a private community and tow anything. Since this was against my rights both accounts state it's repossessed and charged off then it is updating negatively when it shouldn't be able to do that According to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries on my credit report, due to fraud and identity theft. The hard inquiries are as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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
Product: Vehicle loan or lease

I also told them they knew i was unemployed at the time and should never have given me a payment like that. I called them and explained I was XXXX and on ssdi. That I was not making much money and the payment was too high. That was the first conversation and then the car was repo 'd. my father who has since passed away from XXXX took care of the payment to get it back. Because he knew I was working on trying to find a way to fix my credit or get the loan down. I hired a credit agency because at that time I was hoping to find a way to buy a small home much cheaper then my XXXX rent. I told her I had called and begged them to take the negatives off since I was caught up. she told me to get another job. ok I'm XXXX I can't. then I hired a credit repair place I told her my issue XXXX the car payments and told her they don't care they won't help she said they would. did I explain about my surgeries I said yes they don't care. she called them and said your right I am so sorry they don't care at all.
Product: Credit reporting or other personal consumer reports

Sent letter to company to validate alleged debt on XX/XX/XXXX. Company reported to credit bureau account was accurate dis regarding laws on XX/XX/XXXX I am filing a complaint regarding the verification process of a debt, noting apparent violations of the Fair Credit Reporting Act ( FCRA ) Section 611 and Section 623, along with the Fair and Accurate Credit Transactions Act ( FACTA ) Section 312. The verification of this debt seems to have disregarded FCRA regulations, and there have been clear violations in reporting inaccurate debt without proper verification as mandated by these sections.

Under FCRA Section 611 ( 5 U.S.C 1681i ), I am entitled to a proper investigation into the accuracy of reported debts upon request, which, in this case, was not adequately fulfilled. Furthermore, FACTA Section 312 emphasizes the accuracy and integrity of information reported to credit bureaus, requiring diligent verification to prevent inaccurate reporting.

This failure to provide requested information and validate the debt raises significant concerns about compliance with FCRA guidelines. Non-compliance could result in misleading and unjust repercussions on my credit standing.

I urgently request immediate action to rectify this matter. I will attach the original documents I provided for your review. According to FCRA Section 611 ( a ) ( 7 ) and FACTA Section 312, inaccurate information must be promptly corrected or removed from the credit report, and any debt found to have violated verification requirements should be dissolved.

I implore swift resolution in alignment with these FCRA and FACTA statutes to ensure fair and accurate credit reporting practices are followed. If you'`re unable to perform a reasonable investigation, or you're unable to locate the necessary documents to investigate my dispute ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. Furthermore, per FCRA Mandates, it is required that this misinformation be forevermore blocked from re-reporting attempts, now or in the future by your company and/or any entity. 
Sent to Credit bureaus as well.