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

I recently reviewed a copy of my credit report and I notice I had fraudulent accounts on my report. Please remove these accounts from my reports ; they are hurting my ability to obtain credit. 
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

CFPB Complaint : Request for Monetary Relief for Incorrect Late Payment Reporting Date : XX/XX/2025 To : Consumer Financial Protection Bureau XXXX XXXX XXXX : TransUnion Account Holder : XXXX XXXX Complaint Type : Incorrect Credit Reporting / Late Payment Discrepancy Complaint Details : Dear Sir/Madam, I am filing a formal complaint against TransUnion regarding incorrect late payment reports that have been applied to my credit report for several accounts. This is my second complaint concerning this issue, and I am now requesting monetary relief due to the erroneous reporting of late payments that I have never made. I believe these reports are a violation of my consumer rights, and I am requesting immediate correction of the inaccuracies and compensation for any harm these false reports have caused to my credit standing and financial well-being. 

Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Discrepancies : For each of the above accounts, TransUnion has reported late payments that were never made. I have reviewed my records thoroughly and can confirm that I made all payments on time. These errors have caused significant damage to my credit score and financial reputation, and despite my previous attempts to resolve the matter with TransUnion, these inaccurate reports remain on my credit report.

Consumer Protection Laws Violated : Fair Credit Reporting Act ( FCRA ) - Under the FCRA, consumer reporting agencies are required to maintain accurate and complete information in consumer credit files. TransUnions failure to correct the erroneous late payment entries is a direct violation of my right to have accurate information on my credit report.

Fair Debt Collection Practices Act ( FDCPA )- If these late payments are incorrectly attributed to me due to inaccurate information provided by third-party debt collectors, this would be a violation of the FDCPA, which prohibits misleading or deceptive actions regarding credit reporting. 

Credit Reporting Accuracy- According to 15 U.S.C. 1681i ( a ) of the FCRA, a consumer has the right to dispute inaccurate or incomplete information and to have it corrected or removed from their credit report in a timely manner. Despite notifying TransUnion of these errors in a previous complaint, they have failed to correct these issues.

Request for Resolution : I am requesting that Trans Union immediately : Investigate and correct these inaccuracies on my credit report by removing the reported late payments.

Provide a written confirmation that these corrections have been made.

Issue compensation in the form of monetary relief for the damages caused by the inaccurate reporting, which has impacted my credit score and caused undue harm.

I appreciate your timely attention to this matter and request that the issues outlined above be resolved without further delay.

Thank you for your assistance in correcting these errors. 

Sincerely, XXXX XXXX
Product: Credit reporting

In speaking with the RUDE US Special Handling Supervisor XXXX XXXX regarding the re-insertion of the fraudulent inquiries and the incorrect information provided to me on how this issue will be resolved including the Supervisor XXXX XXXX engaging in a debate with me and essentially hanging up I decided to escalate this issue. Consumers should never be treated with such DISRESPECT especially from someone in a position such as a Supervisor. 

On XXXX XXXX, 2017, I discovered XXXX inquiries were removed and re-inserted into my credit file but XXXX out of the XXXX inquiries re-inserted were FRAUDULENT ( documents on file ). TransUnion is aware of the glitch and has failed to notify me within five ( 5 ) days of re-insertion. TransUnion is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete all XXXX inquiries immediately.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX and XXXX are reporting several inaccuracies with the reporting of address and information from several accounts. First under the consumer protection act 15 USC 1681 e ( b ) Accuracy of Report 15 USC 1681i ( 5 ) Treatment of inaccurate or Unverifiable Information. All of the information should be deleted. I have one address that I want only XXXX address on record which is XXXX XXXX XXXX XXXX, TX XXXX I do not wish to have any telephone numbers on my report. 
Please remove all the addresses off my report, as they are not deliverable to me by the U.S post office, and they are not reportable as per the FCRA since they are inaccurate. 

XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX are fictious at best and are not on a map in the world XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX is not my address and I want it removed I have asked several times about all of these inaccuracies to be removed. I have review my credit report across all of the platforms and most of the information is falsely reported and should be removed late payments, amounts owned and dates opened, charged off and open accounts.
Product: Debt collection

The company is calling me multiple times a day from multiple numbers. It doesn't stop. This is a debt from almost 5 years ago and they've just started reaching out to me. They are harassing me over less than {$300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several incorrect and inaccurately reported items on my credit report by sending this credit repository a letter last XXXX XXXX, XXXX.One of the disputed items is Bankruptcy : Discharged CH-XXXX ref # XXXXwhich according to the court has been dismissed last XXXX XXXX. This proves that no investigation was done by this company and that their records are outdated. The other items I disputed are listed in the attached files. These are copies of the letters I sent them last XXXX XXXX, XXXX and the letter I am sending them today. Inaccurate and incorrect information such as account opened date, payment history, highest balance, status, closed date etc. are still reporting and violation FCRA, FDCPA and the bankruptcy law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act ( The Accounts Listed Below ) has violated my rights. ( Just To Name A Few Violations ) 15 U.S.C 1681 ( a ) Accuracy and fairness of credit reporting 15 U.S.C 1681 section 602 A : States I have the right to PRIVACY.

15 U.S.C 1681 section 604 XXXX : It also states a consumer reporting agency can not furnish an account without my written instruction. 

18 U.S.C 1028 ( d ) ( XXXX ) It States ( Traffic ) To Transport, Transfer or otherwise dispose of to another as consideration for anything of value... 

( Accounts 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
Product: Credit reporting or other personal consumer reports

I'm experiencing distress, dissatisfaction, and XXXXXXXX due to the recent updates in my credit report. Despite consistently making timely payments, there are now late payment remarks on certain accounts. I have not missed any payments, and it's crucial that this issue is rectified urgently. I need your assistance to ensure that my credit report accurately reflects all payments made on time, ensuring its complete accuracy.
Product: Debt collection

Someone had opened a cell phone account fraudulently in my name. This was disputed with XXXX XXXX XXXX, they had closed the case and had reported to ftd.gov. I also have reported it to XXXX XXXX. Complaint # XXXX After the closing the complaint I have been receiving notice of collection from different agencies. I have reported to FTD.gov as well. 
I should not be responding to every agency every time. 
Please remove this debt and stop forwarding to others and find the individual who is responsible for it. 
Thank you
Product: Debt collection

In or around XX/XX/2015 I had an auto accident due to the fault of another driver. My vehicle was a complete total loss. The party at fault insurance company booked a rental for me at XXXX XXXX XXXX XXXX. However, after several days into the auto rental XXXX XXXX XXXX XXXX told me to return the auto in which I did. The other party 's insurance company that was responsible for the billing did not cover the amount due as stated to me. I was not responsible for the booking of this rental. XXXX XXXX XXXX XXXX has attempted to collect debts from me that I was not responsible for. I have explained in calls and letters many times it is not my responsibility. XXXX then retained a collection agency and I have also sent letters and faxes about this debt. I ultimately have had no choice but to file with the CFPB with my complaint. They have reported to this account to the credit bureaus causing irreversible damage to my credit scores, interest rates an inflicted financial losses due to erroneous reporting information.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Final Legal Action Required Immediate Attention Needed for Compliance with Federal Laws This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). 
Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.
Product: Credit reporting or other personal consumer reports

I have recently did a dispute with this company and they have failed to remove the account. I have a letter from a judge stating that they have to dismiss the dispute without prejudice due lack of prosecution. This is affecting my credit to where i can't buy a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a request to validate and provide documentation proof letter to the credit bureau in XX/XX/2019 via certified mail. I requested that the below account be validated and for documentation of the validation be provided to me : XXXX  Acct # XXXX {$810.00} I notified the credit bureau of this account inconsistencies and gave the opportunity for the bureau to correctly validate with adequate proof, this account. The credit bureau has failed to provide proper proof of account validation within the legal time frame allowed
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB a lawsuit highlighting the significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
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. 

XXXX XXXX ( Account # XXXX {$40000.00} ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX Account # XXXX {$1700.00} ) XXXX XXXXXXXX XXXX XXXX ( Account # XXXX {$750.00} ) XXXX XXXX XXXX  ( Account # XXXX {$390.00} ) XXXX XXXX XXXX XXXX ( Account # XXXX {$910.00} ) Have 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. 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, credit repair services, or other personal consumer reports

I have no knowledge of the following account XXXX XXXX XXXX XX/XX/2017. Please investigate to insure there is no fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect and are adversely affecting my livelihood. 

Accounts : XXXX Account XXXX XXXX XXXX Account XXXX XXXX
Product: Debt collection

To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$840.00}. This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.
Product: Credit reporting or other personal consumer reports

I had autopay set up for monthly payments towards the balance, and id pay more when i could, i never cancelled my autopay and was never notified about it being shut off. So i was under the impression that it was being made every month. I had majority of my bills set up on autopay. I have called the company the card is through and lowes and the refuse to explain how or what happened, each time i spoke to the bank it's through they are nasty and not willing to help me. They say cards off can't help you. I've heard of many people having issues with Synchrony bank through XXXX and I've also research people having the same issue or there autopay randomly being turned off and never being notified. So then i get XXXX days late and had no idea. I had a ton of bills that come out on autopay, so it got missed on my transactions in my bank, i never saw that the bill wasn't coming out. I never received anything in the mail or anything at all. Its now hit my credit and I'm having to fight to have it removed because its really hurting me. This is not okay for them to do this and not notify me. 
Also i paid the card off in full and they shut my card off the minute it was paid and hit my credit also!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have had accounts with XXXX XXXX for over 10 years and have NEVER been late. During XXXX XXXX, my payment was lost in the mail. I always make my payments through Chase ( Chase generates the payment and sends through US mail ), when Ally started calling me advising they had not received my payment, I immediately called XXXX, did a stop pay, and issued a new payment through XXXXXXXX XXXX  pay by phone option. The following month, XXXX called again saying they had not received the payment I mailed in XXXX, when I checked on XXXX online Ally advised they had missed a number in my payment and had my check with the research team trying to credit it to the right account. I could show them my bank had mailed the payment on time and XXXX had received it timely, their processing department had just not credited my account. The following day I got an alert from the credit bureau that XXXX had reported me 30 days late and my credit had dropped XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : 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 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 XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

I applied for PSLF and selected my preferred plan ( and only plan that I wanted to be placed in ) as PAYE. This was in XXXX 2017. I submitted all of the required documentation. I had not heard anything for over a month. Then I submitted a consolidation application. After that, I had a payment that became due ( after my grace period ) for XXXX on the standard repayment plan ( for over {$2000.00} ). I chatted with a rep at XXXX, who said that my consolidation application is what put me in the standard repayment plan, and that I should delete my consolidation application to be put in PAYE in time for my  payment due date. So I did that. 

Then I still remained in the same standard repyament plan, owing over {$2000.00}. I then received an email that I was not in a good repayment plan for PSLF as I would have nothing forgiven ( if I continued to pay in the standard repayment plan ). So I called XXXX to discuss in person, and this time they told me that when I deleted my consolidation application ( as I was instructed to do, because I was told it placed me in the standard repayment plan ), that my PAYE request was deleted ( even though I had applied for PAYE separately and months prior to my consolidation application ). 

So they told me that they now have to re-process my application for PAYE. I still have a payment posted for over {$2000.00} on XXXX ( in one week ). But they told me to just ignore that and not pay it, as once my application is complete it will un-do the previous payment that was required, and that they do n't report people for deliquency until 90 days, and that my app will be complete by then so I will not have to worry.
Product: Debt collection

Dear CAPITAL ONE AUTO FIN I am writing to dispute the accuracy of the information you are reporting to the credit bureaus regarding account XXXX Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I respectfully request that you : 1. Verify the accuracy and completeness of all information being reported, including the original account details, balance, dates, and ownership of the debt.

2. Provide me with documented proof that this account is valid, belongs to me, and is being reported accurately.

If you are unable to validate the information in its entirety, I request that the inaccurate or unverifiable information be removed from my credit report in accordance with 15 U.S.C. 1681i ( a ), which requires the deletion of disputed, unverifiable information. 

Please provide the requested documentation or remove the item within 30 days, as required by law. Failure to comply will result in further action to protect my rights under the FCRA. 

Sincerely, XXXX XXXX