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

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXX XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

2. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX**** This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX**** This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.
Product: Credit reporting or other personal consumer reports

I am writing to request that the following fraudulent accounts and inquiries be blocked and deleted from my credit report, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent accounts and inquiries removed. I have provided details of the accounts and inquiries below. 
Accounts to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$56.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$98.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$87.00} Inquiries to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked Transunion to verify information for XXXX XXXX  XXXX XXXX account ending in XXXX regarding suspected inaccurate reporting. I sent a letter XXXX certified mail that was received by Transunion on XX/XX/2022. Please note- this consumer received a letter from Transunion stating that they can not complete my request for verification. It is reported differently to all agencies depending on the month.
Product: Credit reporting 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX : {$980.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX & Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 35 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. As of todays date Transunion stated they did not have my FTC report on file and the late payments and accounts that are not mines are still reporting as well as a closed accounts from XXXX XXXX XXXX, XXXX is still reporting late payments for the accounts that are not mines and Closed Account XXXX  XXXX. And XXXX is reporting a closed account XXXX XXXX. I would like help with removing these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Carrington Mortgage Services LLC has reported that our mortgage is more then 180 day due to the credit company 's. We do have a COVID 19 Pandemic Forbearance Plan with them. After call the company, We were told they didn't report our information the XXXX XXXX XXXX XXXX XXXX, however my credit score has dropped over a XXXX points in one month. 

CARNG TN MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. 
The specific account ( XXXX ) in question include : XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX This information does not belong to me and appears to result from identity theft or an error in reporting. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information.

* CRAs must block the information within four business days of receiving the required documentation.

2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request.

I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections.

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly.

Thank you for your prompt attention to this urgent matter.
Product: Debt collection

Notice of Dispute XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX To whom it may concern. 

I recently received a copy of my credit report online and found that you are illegally reporting The inaccurate and malicious information about me on my credit report. 
The following accounts, Name, Addresses and phone numbers! 

Not only is the information incorrect you also aided this creditor who has violated my right to privacy in accordance with " The Fair Credit Reporting Aet ''. 
This Creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy. 
( 15 USC 1681. ( section 604A section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions. 
As well as 15 U.S. Code 1681a paragraph 2 sub paragraph a subsection i states transactions are not included in the consumer report! 
Pursuant to15 United States Code. ( 6801 ) you ( CRA ) are disclosing unauthorized use of information and that is causing me inconvenience and harm to my life liberty and pursuit of happiness! ( 1681, C-2 ) -1681 ) ( I, E, B. ) as well as 18 USC. 1341 an Many more violations of law, such as CFR. fair credit reporting act, Uniform Commercial Code violations, as well as.

According to " The Fair Credit Reporting Act I have a right to a fair and accurate credit report. 
Therefore any information that is not true, inaccurate and unverifiable is required to be removed. 
I demand you remove the inaccurate account immediately to avoid further persecution from CFPB and Federal Trade Commission. As well as cease and desist from further malicious unauthorized disclosure of information which may further hinder my life liberty and pursuit of happiness!

Please send me an updated copy of my credit report showing your compliance with all FCRA and XXXX XXXX  Reporting requirements. 

With Great Sincerity ( XXXX XXXX )
Product: Credit reporting or other personal consumer reports

This is my THIRD NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for wilful noncompliance to FCRA regulations. 


XXXX XXXX
Product: Credit reporting

I filed bankruptcy in 2014 and XXXX I ordered from are still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a car loan but was denied because of XXXX XXXX XXXX   XXXX that still appear on my credit report as paid late. The account was disputed long time ago, I write letters monthly to no avail. I am very eager to know what is going on why the account is being reported late but credit bureaus did not send me any verification. This is a big mistake please CFPB fix it as soon as possible
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( FINWISE/AFF, COMENITYCAPITAL/OVER ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card

tried to close a credit card account with FNBO that was created when they lost the contract with XXXX XXXX XXXX for their credit cards. When I called to close the account FNBO created another identical card account. I did not report lost or stolen I requested close.
Product: Checking or savings account

I was scammed for {$2800.00} from my Bank of America account by a scam that is known to BOA. Their scam software did not prevent my loss of funds. All they will do for me is investigate. I reported it to the bank immediately. They will not return my funds.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX2024 LVNV Funding LLC XXXX XXXX XXXX  XXXX, SC XXXX Re : XXXX  XXXX XXXX  Account # : XXXX Dear LVNV Funding LLC, I acknowledge receipt of your response to my debt verification request dated XX/XX/XXXX2024. However, the documents you provided consisted merely of account statements without any proof of debt ownership or identification of the original creditor and subsequent assignees. As mandated by 15 USC 1692g ( a ), the CFPB has recently heightened the requirements for a debt XXXX validation response, which must now include : The name and mailing address of the debt collector ; The name of the creditor to whom the debt is owed ; The account number ( if any ) associated with the debt ; An itemized breakdown of the current debt amount, including interest, fees, payments, and credits from a specific date that can be cross-referenced with records ; The current debt amount as of the date the validation notice is provided. 
Your response dated XX/XX/XXXX2024 did not include any of the aforementioned details. 
In accordance with the FDCPA, please provide the following : 1.The name and address of the original and current creditor. 
2.Verification of the debt amount you are attempting to collect. 
3.Documentation of any assignment from the original creditor, including my name and the original account number. 
4.All relevant information on the securitization of the debt and proof of its reassignment to LVNV FUNDING Federal law, specifically XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX, XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XX/XX/XXXX ), and 15 USC 1692g ( b ), requires you to cease all collection activities ( including any contact with credit reporting agencies ) until you have properly validated and verified the debt amount. 
Please refrain from accessing my credit report or reporting this disputed debt. Any mention of this disputed debt should be clearly noted as such on my credit report. 
I appreciate your prompt cooperation in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$9700.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4000.00} XXXX XXXX XX/XX/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 am writing to bring to your attention a discrepancy I have identified on my credit report, dated XX/XX/year>2025. After a thorough review, I noticed an account that doesn't belong to me. I am seeking your assistance in promptly removing this accurate entry from my credit history. The questionable account is 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, 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

Consumer Name : XXXX XXXX XXXX Social Security XXXX Consumer Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that Experian block the information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at These fraudulent accounts consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and I C System on XX/XX/XXXX under the account number XXXX. I also noticed these fraudulent auto loans and finances accounts from XXXX XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX and XXXX XXXX opened on XX/XX/XXXX, XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries any reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Student loan

Hello, I went to XXXX XXXX XXXX out of the XXXX XXXX Airport in California. I have been paying since XX/XX/XXXX the amount was {$70000.00} now in XXXX I have never missed a payment and the amount is {$67000.00}. I really want lower payments and a fixed interest rate. I'm willing to pay but can not afford {$500.00} + monthly payments. 

I believed I was signing up for a government loan through sallie mea. Turns out it was not what what described to me. Navient is the new loan holder and I have tried many many times to get better repayment or forgiveness. I was promised a job out of the school but never got it and I had to start working ( not in field for the schooling ) just to afford the monthly payments. Even the rate reduction plans are {$500.00} + and Navient wont listen or assist me. I feel trapped and wronged. 

Please Help.
Product: Credit reporting

Equifax is reporting wrong information in my file and they keep telling me that it has been verified which if the accounts have actually been verified then i am requesting the full proof of the evidence that they have telling me that these accounts are mine if Equifax cant provide the proof by law they have to get rid of these accounts
Product: Debt collection

I've recently noticed a alleged debt that fell into derogatory collection account by a company under the name XXXX XXXX on my credit report. I was not notified where the original debt came from, I've received no information on how to dispute such alleged debt/account nor was I the consumer, notified they reported an alleged debt/account to my credit report ( without my authorization ). Also The alleged debt has several inaccuracies so how do I even know the debt is real. The inaccuracies or as follows : XXXX stated the date the debt was opened was XX/XX/2022, where as. 
XXXX states the alleged debt was opened XX/XX/2022. 

I also never received a method of validation letter. So how do I even know if the alleged INACCURATE debt even belongs to me or is truly my debt.
Product: Debt collection

I paid a Gap Visa bill in  XXXX    XXXX   on the phone via  XXXX  Credit Card Customer Service. I double checked my account online to make sure the bill had been paid and my balance showed  XXXX . Then, I received an email about an overdue bill charging me late fees. I called Synchrony Bank who manages this credit card and they said my payment was denied because of a problem with my checking account number. I asked that the late fee be waived since I was not notified of this problem and Synchrony Bank would not even consider waiving the fee and just demanded I pay them the debt which had since accumulated several  XXXX  dollars by the time I received the email. I am hesitant to pay because I have had to call customer service about   XXXX   times now for this  XXXX  charge and keep getting emailed about the same bill needing to be paid only now with additional costs of late fees. I 'm afraid to pay Synchrony Bank because it seems like a scam, they do n't have any of the facts about my account, and are rude and abrasive on the phone. I am now getting notices that I owe {$250.00} in $  XXXX /billing cycle late fees which have been piling up since  XXXX  despite my attempts to resolve the issue. Gap shut down my credit card and wo n't take any of my calls. I 'd like to dispute this debt and make sure  my Gap Visa is entirely shut down as I 'm worried this experience is damaging my credit score.  Please help!