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

XX/XX/2020, my husband and I contacted XXXX XXXX XXXX to ask them why they were reporting our auto loan account as closed to one bureau, 8 times late to another bureau and 10 times late to the other bureau. We also asked them to correct the inconsistencies. We further asked them to at least remove the late for XXXX and XXXX of 2020 as per the Cares Act. They said they would look into it, acknowledged the errors and said it would be fixed. 

A few weeks later we were denied a home loan when our lender pulled our credit and saw these same errors on our XXXX Account. Again, we called XXXX and asked them to correct the reporting and they told us " NO. '' They said they did not have to correct any of it. 
We reapplied for a home loan in XXXX-errors still on credit report. We have sent letters to XXXX requesting that they correct the reporting, and received no response. 
We have emailed and called numerous times and they refuse to correct. 
We called the U.S. Supervisors of each of the three credit reporting bureaus and they have all told my husband and I that XXXX is giving them the info that they are reporting and that as such, they can not fix it even if we give them our records. 
We old XXXX that we have confirmation from the credit bureaus that they are in fact reporting this inconsistent and inaccurate information. XXXX acknowledged that they are giving the bureaus the information and are still unwilling to correct. 
We have explained that this inaccurate information is causing us to be unable to secure a home loan, subsequently putting us in danger of homelessness and they refuse even though their own website shows that we made the payments ( triple payments last XXXX ), and they are not charging late fees for any alleged lates-yet still refuse to pull off the lates even though according to the Cares Act-they can pull off the lates. We proved that we didn't pay late those months and still they refuse to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021, My XXXX XXXX bank accounts were hacked. Everything that my bank was connected to, was hacked. I was locked out from even accessing money ; to pull out cash, for over 2weeks. I could not login to website, nor XXXX XXXX app for a month. I could not pay my credit card. I could not pay for anything. I spent 3-4 hours at the bank trying to just get access to my account. Then would be directed to go home and try again to call. Only to be told to go back to the branch/bank. 
This happened multiple times. I had to eventually create a NEW bank account, because I had no way toget paid from work due to my direct deposit. I continued to have fraudulent activity, because the person hacking my account and identity had changed all my personal information, and attacked everything that was connected to my bank account. I missed a payment, because I could not access my account. I requested XXXX XXXX  remove the late payment, but was told they wouldnt because it wasnt their fault. Yet the BANK locked me out from paying my credit card. I HAD to close my account because fraud was happening not just in chase bank. But throughout everything that was connected to my bank. Please look at my credit history. It is flawless. Paid on time. Every time. Early. NEVER late. And always extra money. 

I submitted multiple disputes with Experian, with no resolve. And XXXX refuses to take it off. I was inhibited from paying my credit card. 

Thank you for your time Respectfully, A
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 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: Mortgage

This was the worse company I have ever worked with. It took over 2 months to refinance my home mortgage. I complained many times and never got a call back from any manager. I had to do a lot of work myself that I was paying for the company to do like getting the pay off amount from the bank and the final tax bill from the town. I asked my loan processor and originator for a phone number to call and complain and I never got one. I was not given information about the closing either. I had to ask how the money was going to be sent to the company and only after I asked was I told about the wiring requirement.
Product: Mortgage

3 years ago my account was in foreclosure. In 2014 I was told to pay {$15000.00}, to bring the account up to date, and I paid the full amount. On my statements there is an unpaid balance of {$2700.00}, initially I was told that it was for legal fees. Wells Fargo have lawyers on retainer in every state, I am not responsible for those fees. I recently received a statement showing an analysis of my mortgage account. The amount of {$2700.00} should have been included in the rears balance in 2014, again I am not responsible for Wells Fargo error. I have been paying my monthly mortgage on time. I am writing to you, to assist with this discrepancy. I tried to refinance and was denied and started receiving notification of this balance. ****please note the property address is not the same as the mailing address. ****
Product: Credit reporting or other personal consumer reports

I paid off my XXXX account in XX/XX/2022. As of today, XX/XX/XXXX - XXXX has not updated the balance on the three credit bureaus ; I have opened eleven disputes regarding the balance of my account. No one is reading the account status - to the letter! 

The majority of the customer service representatives have language barriers- unacceptable. The department that handles the credit reporting need additional training.
Product: Credit reporting or other personal consumer reports

I am formally requesting the full consumer file that the Giact currently has on me pursuant to 15 USC 1681g ( 1 ). I request this file be sent within the next 30 days. I have attached a copy of my ID as proof that I am the person requesting the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting, credit repair services, 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I informed the CRC 's XXXX, EQUIFAX, AND XXXX that they were furnishing information on my consumer report that is indeed a result of identity theft. Each CRC has failed to adhere to the federal laws one of which is to block information resulting from identity theft within 4 business days of notification. 
15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of
Product: Payday loan, title loan, or personal loan

Im XXXX veteran, on XX/XX/XXXX I had personal loan with 36 % interest rates, l lost my job on XX/XX/XXXX. On XX/XX/XXXX one main financial modified the loan with 6.99 % adding the deferred interest {$920.00} to principal {$7200.00}, total of {$8100.00} payment of {$130.00} for 60 months, since XX/XX/XXXX, I paying the loan, after paying my payment on XX/XX/XXXX, after calling on XX/XX/XXXX and paying off the loan {$190.00} but on XXXX XXXX I was told there is deferred interest that I need to pay after XX/XX/XXXX that caused by {$30.00} not added to loan modification on XX/XX/XXXX, according to XXXX one main financial ( XXXX ) XXXX that we signed the loan on XX/XX/XXXX the total loan was {$8100.00} and why modified the loan and leave {$30.00} deferred interest. 
Payments : Since XX/XX/XXXX, {$130.00}, XX/XX/XXXX {$130.00}, XX/XX/XXXX {$130.00}, XX/XX/XXXX {$130.00}, XX/XX/XXXX {$130.00} ... ... XXXX {$130.00} and last payment on XX/XX/XXXX {$190.00}, total of {$9000.00}. that exceeded {$8100.00}. The loan should by paid off by XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX  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 ) plainly states that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

Debt collector call once and asked me what would your boss think about you not paying back your obligations? I have a saved voicemail stating that the company would be moving forward against me in my county and if I wanted to avoid litigation I needed to call them to pay my debt.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal Complaint against EXPERIAN, a consumer reporting agency for the failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a Violation regarding the reinsertion of previously Deleted material into my credit report on date XX/XX/year>, I sent a letter to EXPERIAN notifying them of the reinsertion of XXXX XXXX XXXX account number : XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( b ) Despite waiting for 35 days after sending the letter, EXPERIAN has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations EXPERIAN 'S actions have caused significant inconvenience and potential harm to my credit profile, Impacting my ability to access fair Credit terms and Financial opportunities.despite my efforts to resolve this matter directly with EXPERIAN XXXX they have neglected to take appropriate action, demonstrating a lack of acconuntability and compliance with Federal Consumer Protection Laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I need some one to send me a letter as well as XXXX, and XXXX to help me with a dispute. I need the letter to say that I have no Current open accounts or late payments due because my account is in forbearance. They keep reporting that I ave open accounts and I don't at the moment. pleas help me!!!
Product: Mortgage

Dear sir/madam, I heard about you through a magazine. your article gave me a hope so I hope you can help me as well. I would like to complain about nation star mortgage. I have bee with this mortgage company since 2007. I have refinanced my house once in this whole period of time. Last year my husband was incarcerated, and I was left with all the financial responsibilities. I have XXXX kids, and I work full time in retail. I have been trying my best to take care of everything. I work long shifts and sometimes I work 7 days a week. I can not spend anytime with my kids. they stay at my parents or sisters during the time I am at work. I tried to get some help from Nations star mortgage. first of all they took forever, the person who was assigned to bring my mortgage amount lower was so hart to get a hold of. he would never contact with me on a timely manner, the time he would provide me with the updates. I was so tired of calling Nations Star. They would never give me a proper answer. I had almost given up. One day I got a letter that I was not eligible. I think they did n't take proper action to solve my problem. I am so furustrated. Please help!!!! 
thank youXXXX XXXX
Product: Checking or savings account

I opened a checking account at Citibank. I updated the account on my vendor sites ( rent, utilities, etc. ) but kept getting notifications that my payment wasn't going through. After a few phone calls with Citibank, I realized that they had given me the wrong routing number. Unfortunately, that didn't help the fact that I had accrued several bounced check and late fees not to mention the many hours I spent on the phone trying to remove the fees when possible and talking to the bank to try and figure out what was going on. 

I also had trouble receiving direct deposits which is to say no direct deposits were getting into my account. After hours on the phone trying to figure out why my deposits weren't going through, ( talking to both payees and the bank ) no one was able to figure out why the deposits were not going through, so I decided to switch to a XXXX account. Everything was fine once I switched. 

However, I am still dealing with late and bounced check fees from my vendor sites. Citibank has told me they would open disputes on vendors that were charging me these fees, but that means I will have to keep my account open even longer causing even more confusion with my vendor sites. I really want to close the account and move on. 

The way I see it, Citibank owes me hundreds of dollars to cover my vendor fees, all the time I spend on the phone, and all the stress they have caused. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XXXX XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXX XXXX Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

credit bureaus what was the amount owed on this XXXX XXXX XXXXXXXX account label as late payments account # XXXX According to The FCRA is a federal law that gives you the right to dispute inaccurate information that appears on your credit report. 
And this account have reported inaccuracies for a long time time if cant be proven please have this removed because all three bureaus is very inaccurate
Product: Credit card or prepaid card

This is a problem with a Sears Card that I have had for 30 years. When I was married to my xhusband Sears allowed him to charge without my consent over 5000 in tools. When we separated and finally divorced the account was only in my name and I was left paying off the balance, which I have now done. I was offered a settlement amount that was {$400.00} less than the amount I paid to close the account out. I asked only that the late fees we waived in the amount of {$140.00} and they are now refusing to waive the fees. At this point I want every receipt that they allowed him to sign for to be returned to me if they can not zero this account out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an investigation request to Experian over two months ago. They were supposed to respond within 30 days, but they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to correct these erroneous accounts. 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. These were already included in my prior complaint and I'm including them again. 

CALIBER 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 filed a dispute with Experian about incorrect information on credit report. XXXX has indicated that I missed five payments in a row ( XX/XX/XXXX through XX/XX/XXXX ). When I contacted XXXX on XX/XX/XXXX about the discrepancy, they refused to make any changes. I explained that I was told by a XXXX rep that my account would be put in forbearance, but that is not what happened. I ended up getting my account flagged as missed payments. I asked for them to pull call records which they were not able to produce. I also filtered through my email and have no communication about missed payments. Not even a certified letter was sent. The loan has been paid in full since last year, but is negatively impacting my credit score due to their error.
Product: Credit reporting or other personal consumer reports

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


These are the listed accounts that need to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full  name and address All records pertaining to actual debt to prove validity. 
I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1975 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my my account was properly investigated but how is that possible if the open data is still inaccurate the data active is incarcerated and data is not accurate the grounds for removal They also violated my rights under. In accordance with the fair credit reporting act XXXX  account XXXX has violated my right 15 U.S.C 1681 section 602 A 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 written instructions also also credit bureaus took more then thirty days to complete my investigation here are my Certified tracking number XXXX
Product: Credit reporting or other personal consumer reports

I do not recognize these queries in my report. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian I do not recognize these late payments, these accounts were PAID and closed during covid because i lost my job, please request that they be eliminated since it tremendously affects the possibility of improving my financial life. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX