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

The account for XXXX XXXX XXXX, XXXX went into to chargeoff on XX/XX/XXXX. Since XX/XX/XXXX it has been reporting inconsistently to equifax and XXXX. XXXX of XXXX i called to see what i could pay ... i was told i owed {$19000.00} for a c/o that is {$9600.00}. Once an account has been listed as charge off it should nolonger accumulate interest fees. They updated my account with a past due balance of {$20000.00}. On XX/XX/XXXX i sent in to both credit bureaus requesting they verify and update this information. Still both are showing inconsistencies in the balance and late payments. I was sent an update from equifax that still showed my balance with accumulated interest fees and also reported on time payments for the year of XXXX. I have not made a payment bc the balances are inaccurate.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

XXXXXXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX FIXXXX XXXX XXXX  Date of Inquiry XX/XX/20XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/2XXXX XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

What must I do for your company to stop ignoring me? This is just so neglectful. I am a concerned citizen whose credit scores are affected because you can not verify these items and do not even take your time to delete them since they are all inaccurate.a
Product: Vehicle loan or lease

New purchase I picked up a XXXX XXXX XXXX from Carvana on last week. The car list minor scratches and has much more damage than what they listed on the website. The vehicle was listed as having XXXX, XXXX miles. When I arrived on my lunch break to pick the vehicle I advised the Carvana employee of the carved scratches in the hood, sideswipe on the front passenger fender and damage to rear bumper. All he said was its all within Carvana 's standards. I live approximately XXXX minutes from Carvana and when I arrived home I noticed the vehicle had over XXXX in mileage, not XXXX as listed. I didn't notice at pickup, because a maintenance note was showing, the vehicle was almost three months behind in servicing. 

I immediately called and advised Carvana of my concerns. I was told that I would receive a new contract, which I have yet to receive.

This is the second vehicle that I have swapped out with Carvana within the last two weeks. The first vehicle had moderate front end damage, removed tint from the windows, and a dent in the roof of the vehicle. I was not informed of the damages, they were noticed at pickup. ALSO, the XXXX XXXX XXXX is back on the website, and the damage is not listed. 

The XXXX XXXX XXXX was delayed for pick up, as we experienced XXXXwo days of hail. I noticed chips in the windshield that are not noted, when advising Carvana, I was told that they do not cover windshields anymore. I returned the vehicle, because it was affecting my work days, only to swap out and experience the same thing. It appears that Carvana falsely advised vehicles listing minor damage, when they know more. I was told to file a claim, which all must be done within the 7 days.
Product: Checking or savings account

On XX/XX/XXXX, I received a message that my payment to XXXX XXXX XXXX was declined by Bank of America and I decided to call the bank 's customer service to check the problem and I was informed the Bank will close all my accounts and also one account that is not my but my former employer will also be closed. They did not send a prior advice or notice. They do not say any reason for it. I'm not working since XXXX due I had to leave for a treatment of a XXXX ( level XXXX ), after I receive a diagnostic from my doctor in XXXX, that it had XXXX to my XXXX, XXXX and XXXX. I need to know why they are doing it in a such bad time for me. It is supposed to have a solution or a letter if they need any additional information from myself and I received none. Besides I'm feeling bad about my health condition, I have to deal with a situation like this one, been unfairly treated by this bank.
Product: Credit reporting or other personal consumer reports

Tried to call them XXXX times No answer Fraud from XXXX on my account Says its pending but havent provided updates on mail received
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account was removed from my credit report from IC System. My credit score did not increase at all from the removal of the collection account from my credit. My credit score should have increased at least 23 points from the removal of the collections account.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

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.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX. 
XXXX. My Address : XXXX XXXX XXXX XXXX, Ga. XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Delete all phone numbers from my consumer report. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX. 
XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX. 
XXXX, Ga. XXXX Sincerely
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX
Product: Payday loan, title loan, or personal loan

I am being charged an excessive amount of interest. I was offered an opportunity to refinance this loan with the promise that the interest rate would be reduced and it has not been reduced. I am paying {$190.00} bi-weekly and my balance has not moved. This is a UDAAP issue, this is also a predatory lender.
Product: Debt collection

I received a letter 4 years ago this had been resolved. I spoke to the company XXXX XXXX who stated they notified XXXXXXXX XXXX I paid them in full so fiancing was not needed. I spoke at XXXX who gave me the reference number sent XX/XX/21 reference # XXXX XXXXo XXXX stating there was no debt due and to close it. I called them and was told by management my records were deleted due to charge off. I had them removed from my credit over 3 years ago after I proved to XXXX there was no debt. Now 4 years later they are still harassing me and are now suing me for a debt that does not exist. I still have all receipts made to XXXX and XXXX has emailed them to me as well
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX is incorrectly reporting late payments on my credit report and I have never been late in fact my loan has been in XXXX  since I left school
Product: Credit card or prepaid card

My credit card was with XXXX XXXX XXXX  and then sold to Capital One XXXX rewards ending in XXXX. I have a perfect pay history and never been late. They are charging an outrageous interest rate over 22 % and will not and refuse to lower the interest rate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 

Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

INQUIRIES : EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These items are either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

negative score due to incorrect information, ned to update info
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, Trans Union, and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, Trans Union, and Experian consistently responds with 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CRPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax, Trans Union, and Experian complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts I have marked as inaccurate : XXXX XXXX  XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : Cushman v. TransUnion Corp. ( 1997 ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data.

Dennis v. BEH-1, LLC ( 2002 ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages.

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

Please remove, block or provide me with your investigation results in written form through the XXXX for this account : XXXX XXXX XXXX XXXX
Product: Debt collection

The law office of Armstrong and Associates located in XXXX, XXXX  called and left me a voicemail without disclosing that this communication was an attempt to collect a debt. I only discovered that this was a debt collector by XXXX  the number left in the voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Experian to remove inaccurate addresses from my credit report, and they have not removed the inaccurate addresses oon my credit report. 
The following addresses are inaccurate and need to be removed. My proof of address and drivers license is attached. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TN XXXX
Product: Credit reporting or other personal consumer reports

I disputed a collection account XX/XX/XXXX and also filed an complaint with the CFPB about this same collection account that was being inaccurately reported from Equifax. I also asked Equifax for an re-investigation of this same collection account due to the fact I never received any documentation to validate this alleged collection. On the contrary, Equifax deleted this collection from my credit report the Month of XXXX of XXXX along with XXXX and XXXX because it could not be properly verified. However, I reviewed my credit report in XXXX of XXXX and this collection reappeared in my credit file. As to date I have not received any written notices from Equifax or the Collection Agency XXXX XXXX XXXX stating that the reinsertion of a previous deleted account has reappeared into my credit file. I would like to also state the fact that Equifax along with XXXX does not properly investigate disputes from consumers
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.

I told Experian to reinvestigate these accounts : XXXX XXXX XXXX Account Number : XXXX I WAS NEVER LATE ON THIS ACCOUNT XXXX Account Number : XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

I have spoken to XXXX many times and they confirm my balance is XXXX which when I login my account reflects. My student loans were forgiven and XXXX through public service loan forgiveness. XXXX states they have reported XXXX balance to credit reporting agencies which XXXX and XXXX both reflect the correct XXXX balance. 

Experian however keeps putting the beginning balance of many month 's ago balance even though XXXX states they have been told XXXX balance. I have disputed with Experian and uploaded proof of XXXX balance and given them copy of forgiveness. Yet they ignore that. My account balance on EXPERIAN SHOULD REFLECT STUDENT LOANS ZERO.MOHELA is having difficulty with them also as they have told them XXXX balance per phone conversations with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiry on XXXX credit report.

Was notified but refuses to remove the unauthorized credit inquires I was a victim of identity theft due to the XXXX data hack. Someone else was using my identity.

Some have 2 credit inquires on XXXX credit report.
Product: Student loan

In XXXX XXXX  I requested all my covid payments refunded to me under the CARES act. They said they would start that process. In XX/XX/XXXX my covid payments were added back to the balance of my loans. I was told the check was sent to me in early XXXX. In XXXX I called back advising that I had not received my refund check. They stated they would place a stop payment on the check and resend it. I never received that check either. Each month I have called asking where the refund check is. Finally, I was told the check was mailed out on XXXX XXXX XXXX XXXX and I still have not received a check. Each time I call NelNet it is a 3+hour hold and each time I speak to a rep they tell me something different. I am at my wits end with them. I don't know where to go from here. Now they are telling me to wait another 60-90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting I have 7 collection accounts listed in the Account Summary on credit report and reviewing the Collection Account Sections there are not NO accounts displayed, please correct my credit report as this is bring down my credit score. 

Please see pictures showing the Account Summary and Collection Account Section.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several things on my credit report that I am noticing arent mine. Major indicators are the following : In XXXX, identify theft occurred at a local level. In XXXX, a women started using my social security as her employer to get unemployment and other compensations. XXXX it was reported that I was connected to receiving social security benefits. I am not. Several times on identity questions and credit concerns a mortgage shows up.