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

First I reached out to my hometown police department and notified them of identity thieft. I was told to notify the credit bureaus and let them know and they will take care of everything. ( since the accounts not that big in dollar amount ) I notified XXXX and XXXX about inaccurate information on my credit report. A identity theft alert was place on my credit reports ; but the accounts are still reporting on my credit reports and should be remove. Only one account has been removed. Ive also ask the debt collectors to send validation of debt ; and still havent received any validation. Validation consists of ; 1. agreement thats grants you the authority to collect on the alleged debt, 2. Documents that indicates that I agreed to pay someone this some of money.

3. What is the original amount owe and complete payment history.

USC 1692g SEC 809 ( b ) Please send me a response to my complaint via email. I XXXX XXXX is writing this complaint on behalf of myself and will like my response back through the same portal I sent my complaint. 

Ive also sent an affidavit form in before through the mail; but received a letter back in the mail that said I had to make a police report. So I did go to my police department and thats when I reached out to the credit bureaus and they placed an alert on my credit reports but did not remove the accounts.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on XXXX. 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 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 that are reported 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. 


XXXX, XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and experian is not investigating my dispute I gave them a few instructions and outlines showing that I wasnt late. Instead they give me a result saying I didnt specify what I was saying on my dispute. I dont believe they did a proper investigation because saying not specified means I didnt explain what I mean. So they are wrong.
Product: Debt collection

On XX/XX/XXXX, Midland Credit Management filed a lawsuit in the amount of {$870.00}. On XX/XX/XXXX, Midland Credit Management was paid {$200.00} USD and then on XX/XX/XXXX, Midland Credit Management was paid {$670.00} USD which resolved the debt. However Midland Credit Management when contacted acknowledged payment but refused to dismiss the lawsuit. This occurred during a telephone call to XXXX ( XXXX ) XXXX on XX/XX/XXXX between XXXX EST and XXXX EST as well as between XXXX EST and XXXX EST. Midland Credit Management conditioned dismissal on consumer removing a dispute, in violation of federal and state law during a telephone call to XXXX ( XXXX ) XXXX on XX/XX/XXXX between XXXX EST and XXXX EST as well as between XXXX EST and XXXX EST. 

This is a violation of the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX, XXXX ) and a violation of the Ohio Consumer Sales Practices Act ( Ohio Revised Code Chapter 1345 ).
Product: Student loan

I have a XXXXXXXX XXXX student loan that I began repaying in XXXX. I was working for XXXX XXXX and now a XXXX XXXX XXXX XXXX for the past 33 years. I applied for public service loan forgiveness and was told I qualified except for my repayment plan.i was never told I should change by repayment plan and I always stayed in whatever payment plan the department of education established for my loan. I feel like I have been taken advantage of.XXXX XXXX XXXX tell me they have now but my loan in an approved payment plan but said I still wo n't qualify as I do n't owe another 10 years of payments.they made my monthly payment go up {$3.00} a month.
Product: Credit reporting or other personal consumer reports

The company still did not provide my free annual credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under XXXX Sec XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) 15 USC XXXX 15 USC XXXXi XXXX XXXX XXXX XXXX XXXX XXXXc 15 usc XXXXe ( b ) 15 usc XXXX ( A ) UCC XXXX Part XXXX, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. XXXXi ( a ), XXXX, XXXX, XXXX, you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under XXXX XXXX XXXX, XXXX, XXXX, XXXX these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out XXXX now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} Creditonebnk Date Opened XX/XX/XXXX Balance {$130.00} **These accounts are past statue of reporting!! ** XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX ( XXXX ) XX/XX/XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 2025
Product: Student loan

I have 2 student loans with Great Lakes which are both on an Income Based Repayment Plan. I have made every payment on these loans and have not missed a payment since my payment plans began. I pay {$280.00} per month on these loans. On my large loan my balance in XX/XX/XXXX was {$56000.00}. In XX/XX/XXXX my balance is {$56000.00}. After making payments totaling {$3300.00} for a full year my balance has decreased by a total of {$80.00}!!! Offering this type of plan with such a high interest rate is a deceptive and unfair practice and should be a CRIME! My student loans have more than doubled due to interest alone since I graduated ( while making payments ) and practices like this by Great Lakes and/or the Federal Government are making it nearly impossible to payback student loans. These loans were originated by the federal government. The federal government should not be in business of profiting on student loans and should not allow businesses such as Great Lakes to profit by offering such a lopsided payment plan. These loans should be able to be paid back with minimal interest at 1-2 %. Charging 6.8 % interest on this loan is just flat out wrong!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the Original Signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information regarding one of my credit accounts that is being reported inconsistently across the three major credit reporting agencies : Equifax, XXXX, and XXXX. Specifically, the discrepancies pertain to : * The date the account was opened * The last reported date * The date the account was last active These discrepancies are causing significant confusion and are impacting my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain the accuracy and integrity of the information they report ( 15 U.S.C. 1681e ( b ) ).

The FCRA also mandates that any information that can not be verified as accurate must be removed from the consumer 's credit file ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). Given the inconsistent and incorrect reporting of the aforementioned dates, I request that this account be thoroughly investigated. If the inaccuracies can not be verified and corrected, I demand that the account be deleted from my credit report to comply with the FCRA 's requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The 3 Credit Bureau are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX Balance {$820.00} ;
Product: Credit reporting or other personal consumer reports

To whom it may concern, I recently pulled my reports and noticed you are reporting the following account as charged off from XXXX and XXXX is XXXX the account as paid as agreed ( OK ) from XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Because the balances being reported by your company and XXXX are different, this means the account has not been properly verified. Please delete this account immediately.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft I reported the event to law enforcement and to the credit bureaus I also contacted the companies to inform them of fraud and placed security freezes and fraud alerts on my credit file I also filed out a FTC IDENTITY THEFT REPORT I even provided them with exactly who committed the identity theft in my name and they claimed to do an investigation and formally declined the id theft claim I also received information from XXXX confirming identity theft from there identity theft protection program my information was sold during the XXXX data breach and accounts were opened in my name before I was 18 years of age which were removed off my report and even with all of this proof the bank refused to remove inaccurate information from my credit report all of the other banks complied and information was removed however the following banks wont remove information : XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : XXXX Bank admitted on recorded phone call that account was fraud but fail to remove information they are fully aware that the account is fraud XXXX XXXX  Opened : XX/XX/XXXX Balance : XXXX Bank admitted on recorded phone call that account was fraud but fail to remove information they are fully aware that the account is fraud And are not in compliance with FCRA Regulations regarding time frame to provide feedback for identity theft related accounts XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Balance : {$20.00} Lender wont respond to fraudulent account and continues to report
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed. disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 90 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a balance of {$0.00}. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Inaccurate Reporting by TransUnion and XXXX for XXXX XXXX Account I am writing to formally dispute the incorrect reporting of my closed XXXX XXXXXXXX credit card account, [ account number : XXXX ], as reflected in my TransUnion and XXXX credit reports. Despite my efforts to resolve this matter directly with XXXX XXXX and both credit reporting agencies, the inaccuracies persist, and I am now seeking your intervention. 

Issue Summary : Credit Reports with Errors : TransUnion and XXXX Credit Report with Accurate Information : XXXX Account Status : Closed and paid as of XX/XX/XXXX Discrepancy : TransUnion and XXXX are incorrectly reporting 7 late payments ( marked " 30, '' " 60, '' and " 120 days late '' ) while XXXX correctly reports the account as " paid as agreed '' and " never late. '' LATE PAYMENTS DATE XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX Violations of Federal Laws : CARES Act Violation : Under the CARES Act, all accounts active between XX/XX/XXXX and XX/XX/XXXX, plus 120 days thereafter, should be reported as paid as agreed and never late, as long as the account was in good standing during the forbearance period. Both TransUnion and XXXX have failed to adhere to this federal mandate and are incorrectly showing late payments for the stated period, which violates the protections provided under the CARES Act.

Fair Credit Reporting Act ( FCRA ) Violation : The FCRA requires that all credit reporting agencies ensure the accuracy and completeness of the information they report. Despite submitting several disputes to both XXXX and TransUnion, they continue to report inaccurate late payment information, and I have not received any details about their investigative processes. This lack of response and failure to correct the errors directly violates FCRA guidelines.

Truth in Lending Act ( TILA ) Violation : The TILA mandates that accurate terms and conditions are reflected on credit accounts. The erroneous reporting of late payments on my account misrepresents the status and history of the account, potentially violating TILA by falsely representing the terms under which my account was closed and paid off.

My Attempts to Resolve the Issue : I have contacted XXXX XXXX regarding the incorrect information, but they refused to correct the issue. 
I have submitted multiple disputes to both XXXX and TransUnion, requesting them to verify and correct the reporting errors. However, they have failed to fix the problem and have not responded to my requests for details regarding their investigative process, further violating their obligations under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete this account : XXXX XXXX XXXX XXXX
Product: Credit card

It was XXXX in the XXXX XXXX  when someone called for my credit card number plus cv number. Unknowingly, i gave it with my personal info and use it for transactions paying a certain amount. 


The first transaction is amounting to XXXX, XXXX, next is XXXX, XXXX, XXXX and XXXX XXXX I have contacted the customer service and locked my credit card.
Product: Credit reporting or other personal consumer reports

In reviewing my credit report i noticed that there was a tradeline for republic finance in XXXX. i didn't open this loan. i sent over copy of police report a couple of months back.
Product: Debt collection

Repeated harassing calls from XXXX XXXX XXXX ( XXXX  ) XXXX claiming that I am being served with lawsuit documents unless I pay {$3500.00}. Refuses to provide any information about who I would be paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive paid off several accounts and submitted documents to the credit bureau and its still showing as unpaid when I have paid the accounts off
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 confidentially under 15 USC 1681. 
XXXX XXXX XXXX XXXX. Account # XXXXXXXX XXXX. Account # XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX XXXX. Account # XXXX XXXX. Account # 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.

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 7 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 the the information is inaccurate.

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

Old closed accounts arent removed and delinquent accounts that are not delinquent.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5700.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  account was hacked on Thursday for {$160.00}, and it was hacked last month for {$69.00} and a recurring account was debiting our bank account and sending the money to pay credit cards and a XXXX bill. Months ago we were hacked for {$1900.00}. 

I checked to learn if my name was among those hacked in the Equifax hacking and learned that my information was among the records hacked. 

I sent letters to the credit bureaus requesting each to remove inaccurate names and addresses because I believe the fraud is connected to inaccurate information available on my credit report. 

Please assist me in communicating to the credit reporting bureaus to remove all inaccurate personal information. 

My correct name is XXXX XXXX XXXX and I live at XXXX XXXX XXXX. XXXX Michigan XXXX. Any information contrary to my name and address is incorrect and should be removed.
Product: Credit card

payment was supposed to come out on XX/XX/XXXX didn't get notified until XX/XX/XXXX called them and was told i have a late fee and a month behind due to the auto payment failing to go through was not notified talked to the manager over the phone and was told that they don't have to do anything about it they do not have to notify me or nothing. my credit card was never shipped to me was returned i called them about sending another one never did and i don't get any statements or mail from them they do have the correct address on file, but i never got anything from them. this is from XXXXXXXX XXXX XXXX credit card with bread financial/ comenity bank. they also refused to give me any of my account information even when i told them that i could verify my own information. i can not get any information on my account to even get statements or any information on my account at all.