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

On XX/XX/XXXX, I mailed a letter to XXXX XXXX  requesting validation of a debt that they have reported to the credit bureaus : XXXX, Equifax, and XXXX. 

In this letter sent on XXXX XXXX, XXXX, I also requested that XXXX XXXX cease and desist communication with me. I mailed these documents certified mail and domestic return receipt ( see return receipt attached ). XXXX XXXX received these documents on XXXX XXXX, XXXX. To this date, I have not received validation of this debt AND the debt still remains on all 3 of my credit reports. 

On XXXX XXXX, XXXX, I mailed my FTC Identity Theft Report to all three credit bureaus : XXXX, Equifax, and XXXX. In XXXX, all three credit bureaus removed the account from my credit bureaus. But later that month, they inserted the XXXX XXXX account back on my reports. I requested verification of the debt by the credit bureaus, but NONE of the bureaus responded with the verification of the debt and they simply stated that XXXX XXXX have verified the account. I requested the documentation of the verification, but none could be provided. 

I am utterly uphauled at how XXXX XXXX, XXXX, and XXXX have handled this matter. They are ruining my reputation by illegally reporting information to my credit bureaus. This illegal information have caused me much anguish and stress as I have struggled to buy a house for my family due to this inaccurate reporting of information. 

XXXX XXXX has not reached out to mediate this situation. They do not see the urgency mediating this matter. They have violated my federally protected consumer rights and they believe that they can get away with this without consequence. 

XXXX XXXX has had ample time to resolve this issue and they have done NOTHING!

I demand the immediate removal of this account from the three major credit bureaus and all secondary credit reporting agencies for violating my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to XXXX USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this name XXXX XXXX XXXX XXXX XXXX name XXXX  XXXX XXXX XXXX name XXXX XXXX XXXX name XXXX XXXX XXXX  XXXX acc XXXX name XXXX XXXX  XXXX XXXX name XXXX XXXXXXXX XXXX name XXXX XXXX XXXX XXXX XXXX name XXXX XXXX XXXX XXXX XXXX XXXX acc XXXX name XXXX XXXX name XXXX XXXX XXXX XXXX name XXXX XXXX XXXX  XXXX XXXX name XXXX XXXX XXXX XXXX I NEED EVERTHING REMOVED WITH IN 14 TO 30 DAYS THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts 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
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a formal complaint regarding XXXX, Equifax, and XXXX, related to an inaccurate late payment on my credit report for my credit card account ending in XXXX. As the account holder, I have disputed this erroneous entry directly with each bureau, citing violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), yet I have received no adequate response or corrective action from any of the bureaus. 

Details of Dispute and Violations The presence of an incorrect late payment on my credit report is damaging to my credit profile and financial standing. Despite my consistent payment history, the bureaus have reported a late payment in error. I have demanded verification and correction per my rights, but each bureau has failed to comply. 

According to FCRA 611 ( 15 U.S.C. 1681i ), consumers are entitled to a prompt and thorough reinvestigation of disputed information. The continued reporting of this inaccurate late payment suggests the bureaus are not adhering to FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which mandates the maintenance of maximum possible accuracy. This inaccurate reporting has persisted despite my dispute and request for correction.

Furthermore, FDCPA 807 ( 15 U.S.C. 1692e ) prohibits the dissemination of false or misleading information in the collection and reporting of debts. The failure of the bureaus to remove this inaccurate late payment is not only misleading but violates my rights under FCRA 623 ( a ) ( 1 ) ( A ), which requires that information furnished to the bureaus is accurate. 

Request for CFPB Action Due to the lack of response from the credit bureaus, I am requesting the CFPB to : 1. Initiate an Investigation : Conduct an independent investigation into XXXX, Equifax, and XXXX compliance with FCRA and FDCPA regarding the erroneous late payment on my report. 
XXXX. Demand Documentation : Require that each credit bureau provide full documentation of their investigation, including the method of investigation and any records used to validate the late payment on my account. 
XXXX. Ensure Correction and Compliance : Insist that XXXX, Equifax, and XXXX remove the inaccurate late payment from my credit report, update my account to reflect on-time payments, and provide me with an updated copy of my credit report to confirm the correction. 

Failure to uphold FCRA and FDCPA obligations harms consumers and erodes trust in the credit reporting system. I am counting on the CFPBs commitment to consumer protection to ensure these credit bureaus comply with federal standards of accuracy and accountability. 

Thank you for your attention to this matter. I look forward to a prompt response and resolution of this complaint. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I have a Home Equity Line of Credit which was initially opened approximately XXXX when I purchased my home in XXXX, WA. The HELOC currently has a {$0.00} principal balance and has been dormant for many years. Since it 's opening, it has changed ownership several times with different lenders. 

I received a notice dated XXXX/XXXX/XXXX that Everbank had assumed ownership effective XXXX XXXX, XXXX. There has been no activity/service provided by Everbank. Nor have I received benefit from its use. 

I received a letter dated XXXX/XXXX/XXXX that since it was in the repayment period with no future draws allowed, Everbank would like to close the account and prepare a lien release. The enclosed documentation stipulated the {$0.00} balance BUT demanded a {$120.00} recording fee from me. 

Today, I contacted Everbank and spoke with 'XXXX XXXX, Client Services manager who was adamant that they were fees due me and stipulated by XXXX XXXX auditor/recorder. She gave me the number for the XXXX XXXX XXXX. I spoke with XXXX XXXX in that office. He shared that the Washington State legislature mandates that the collect {$73.00} + $ XXXXpage for recording the document. Any fees charged otherwise are set by the bank. 

My perspective? This mortgage was likely purchased in a package of loans by Everbank. Likely they would not have made that purchase without the expectation of profit from that package. However, for my mortgage, a small subset of that package, they have provided NO service and I have received NO benefit. Consequently, I see NO justification for fees to be paid BY me while no services have been received. I consider this a completely unjustified fee from Everbank. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Contacted all three credit bureaus and advised them i didnt do any credit inquiries. Was told they would dispute it. Nothing was done. This is all the all the inquiries that was on my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I contacted the Bankruptcy court about a bankruptcy thats showing on my credit report, that shouldnt be.. The clerk stated that they do not report to any of the Credit Bureaus or third parties. I disputed this with Equifax and they keep stated that it is reporting correctly, but have yet to provide the name and information of who they received this first hand knowledge from, to show that it is 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agencies violated my rights as a consumer under United States Code Law 15 U.S.C. 1681b ( a ) ( 2 ) FURNISHING a consumer report in a circumstance other than in accordance with the written instructions of the consumer to which it relates. 


I did not provide written instructions that would allow for a consumer report to be shared. Under 604 Permissible purposes of consumer reports, 15 U.S.C. 1681b, said report can only be shared by my specific written instructions, which I did not provide. 

I demand that the following accounts be removed at once from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the consumer reporting agencies are also in violation on these accounts with respect to 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) by their willingly and knowingly providing a consumer report containing information solely as to the transactions or experiences between the consumer and the person making the report. The law explicitly states that a consumer report does not include these items. Therefore, the aforementioned accounts and the transactional information relating to them must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filed a identity theft report due to multiple credit inquires on my credit report. Somebody has been trying to get credit under my name. I already have multiple cards under my name from years that i have been using. most of my cards are paid off with no balance so i dont see any reason for me to apply for more credit cards. I just received a copy of my report from XXXX and XXXX after i filed a complaint against XXXX for reporting wrongful information on my report and i noticed all these inquires. not authorized inquires in last 3 months are XXXX   XXXX XXXX XXXX XXXX XXXX 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

Somewhere in the last days of XXXX of last year I lost my wallet and my phone at the casino. Which included all my cards and personal information. About a week after that incident the casino got a hold of me and said my belongings had been found and turned in. Now I have this consumer report of some fraudulent activity which I have no idea of and honestly this has been really overwhelming time for me I cant bank with anyone, anything I apply for gets denied automatically its been ruining my life I have disputed multiple times and no body has seem to care or want to help me With my situation am begging for some help I believe I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently received a response to a dispute that I made under FCRA 611a regarding questionable and inaccurate items ( s ) around XX/XX/2023, on my credit report. I was confused when I learned you somehow " verified '' the disputed items, and they are still on my credit report. Can you confirm how this investigation was conducted and what the MOV was that was used? I am not disputing this again ; I'm specifically asking for the method of verification for the below. 

As you know, in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet ( XXXX ), the courts ruled each and every time that the CRA couldn't merely " parrot '' data from the creditors and collection agencies ... that were required to conduct an independent REASONABLE investigation to ensure the validity of the debt and the integrity of the creditor and collection agency in question. Sending out a generic form through the XXXX system for the dispute is not reasonable! Please FULLY validate with details on how you verified this ( names of people you spoke with and contact numbers ). If you are unable to do so, DELETE THIS ACCOUNT off my credit report forever, or I will gladly escalate to the CFPB and have my consumer protection attorney file court proceedings. 

Thank you and I sincerely look forward to your response.
Product: Checking or savings account

Chase froze and locked and closed my checking account and IRA account and will not release the funds Went into the branch several times and was told I would receive a check overnighted by XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

- [ ] XXXX XXXX XXXX on XXXX : This inquiry had not permissible purpose to be on my report .Delete this inquiry due the violation of 15 USC 1681b. - [ ] XXXX XXXX XXXX on XXXX : This inquiry had not permissible purpose to be on my report .Delete this inquiry due the violation of 15 USC 1681b. - [ ] XXXX XXXX XXXX XXXX on XXXX : This inquiry had not permissible purpose to be on my report .Delete this inquiry due the violation of 15 USC 1681b. - [ ] XXXX  XXXX XXXX  XXXX on XXXX : This inquiry had not permissible purpose to be on my report .Delete this inquiry due the violation of 15 USC 1681b . - [ ] XXXX XXXX XXXX on XXXX : This inquiry had not permissible purpose to be on my report .Delete this inquiry due the violation of 15 USC 1681b. - [ ] XXXX XXXX XXXX on XXXX : This inquiry had not permissible purpose to be on my report .Delete this inquiry due the violation of 15 USC 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 

XXXX/XXXX  XXXX {$6600.00} XXXX  XXXX  XXXX {$210.00} XXXX XXXX {$85.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan reported under chapter XXXX and was never included I have the paper work and has disputed this several times
Product: Credit card

I was on a a cruise and wanted to purchase a few pieces of Diamonds from Diamond International. When I was asked if I wanted to finance the purchase I agreed to finance but only with XXXX XXXX. And only for a 3-year under {$300.00}. When I realize the jewelry didn't fit and that I was fraudulently sold a few pieces of jewelry for way too much money for not the value of the piece that I bought I tried to return it and diamonds International told me that they do not take returns because of remorse. I tried to explain it wasn't remorse that they didn't fit and that I wasn't happy with the cost that I was charged. When I got home from my trip a week later I got information in the mail from XXXX XXXX  card I never agreed to open an account with them there's {$10000.00} on that card I don't agree to that I never signed anything for XXXX XXXX  and now they're just blowing me off.
Product: Student loan

My husband and I have a lot of student loans from his time in XXXX school. We are both employed and are working hard to pay them off as quickly as possible. We would like to refinance them in order to receive a lower interest rate. In order to refinance, I need to obtain copies of current statements of all of our loans. With XXXX of our lenders, this was a very easy process, and I was able to retrieve the statements electronically on the website. But with the other lender, I was not able to retrieve the statement for myself. After a lot of searching, I finally found instructions to email customer service. I did so on XXXX XXXX, 2016. On XXXX XXXX, 2016, I received a response stating that due to their policies and because our account was on autopay, they would not be able to email or fax a statement to me but would send one via postal mail. I was not provided with any further detail on this policy or with a copy of the formalized policy. I was told, " I have generated a statement for you, however this statement will only be generated through standard US Mail. Please allow 7-10 business days for the statement to be received by mail. '' On XXXX XXXX, the 10th business day after this exchange, I still had not received a statement, so I emailed customer service again. I was told that the original email was not intended to communicate that a statement was actually generated on XXXX XXXX ; rather, a statement had been generated on XXXX XXXX, and I should expect it within 7-10 business days from XXXX XXXX. I have not received any acknowledgment that I was misled in the original email other than customer service saying that they are sorry that I misunderstood. XXXX XXXX, yesterday, was 10 business days from the second date I was given, and I still have not received a statement. Throughout my emails with customer service, I have tried to clearly express exactly what is the cause of my frustration and have received only the tritest replies. I have never actually even been given the name of the person responding to my emails ; they are all signed " Thank you, XXXX XXXX. '' I find it absurd that 1 ) I was not able to retrieve the statement myself, and 2 ) it is now nearly a month since my original request, and I still have not received a statement. I need this statement in order to refinance our loans.
Product: Payday loan, title loan, or personal loan

Tried to work out a settlement did not hear from them for months. Now all of the sudden they are calling me at WORK!!! That is against the law!!! They harassing me with phone calls everyday at work!!!
Product: Credit card or prepaid card

On XX/XX/2022 XXXX charged my credit card an amount of {$170.00} usd the amount appear to be for someone else insurance payment. I disputed the charges with XXXX but they asked to dispute the charges with the Bank, so I did but American Express refuses to resolve the issue, I have opened the dispute 3 times but the company is unwilling to investigate the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I punchased wheels and tires from a dealer in XXXX nc in XXXX of 2021. Dealer signed me up through a company by the name of XXXX. The dealer refused to correct the problem after he sold me 2 bad tires. XXXX then proceeds to tell me that the only option was to donate the tires or pay off the loan that was for XXXX. I paid the agreed amount of XXXX total. XXXX then proceeds to report it to my credit with the wrong payment amount. And they reported I missed a payment which never happened. Now its affecting me and XXXX XXXX wont let me dispute. Because I disputed before and they done nothing about it.