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

am filing a complaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 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, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and express my deep concern regarding the inaccurate and invalid negative items currently reported on my credit file. These items are being reported negatively by your agencies despite being current and accurate as reflected on my XXXX report.
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report that were without, y consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. PLEASE DELETE XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am attempting to gain access to home refinancing however, have received a much higher APR due to a lower credit score which in part is due to XXXX XXXX XXXXXXXX XXXX falsely reporting an incorrect status on ( 2 ) accounts which show on my Trans Union credit report as a " Charge Off '' however, I entered into a payment agreement with them several months ago and have made every payment as agreed. I contacted XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, respectfully requesting the status be updated to show as paying as agreed or other positive status to report accurately based on our agreement, which coincidently was only agreed to on my part do to threats of attorneys taking me to court for judgment. 
The agent I spoke with XX/XX/XXXX, stated that the status was accurate and would " Not '' be changed. I voiced my concerns again and stated that it was fraudulent and they could not report as a charge off ( 15 U.S.C 168 ( 2 ) ( a ) ( i ), which if I am reading correctly states a charge off is " Income '' and can not be reported on a credit report. She still refused to make any changes so I ended the call stating I would be pursuing this via all legal avenues available and requested verbally a Cease and Desist on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last several months, I've been trying to get Experian to remove a bankruptcy that was verified through XXXX. XXXX has removed this bankruptcy from my report, however, it's still showing on my credit report.
Product: Debt collection

I took out several loans with this company in the past. I would always pay hem back. For some reason I fell behind on one of the last loans I was planning on getting from them. I then was charged though them. They took the money from my Bank account. Me thinking they had tooken all of the money that i owed. But they were short XXXX . So I never went back to the store for a while. I then noticed I did owe them still I was being called maybe a couple times. I was supposed to go in and pay but I just never went it in because maybe since I thought it was only XXXX they would charge again on my bank account. Well now it 's time to pay it all off in full payment. I would like to do this as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX my auto lender with my account # XXXX XXXX XXXX XXXX has deleted the negatives on my account and place my account on " Current Status '' as of XXXX XXXX. 
Prestige Financial Services Account Vice President XXXX XXXX has sent XXXX, XXXX, Equifax and me a electronic email verification on placing my auto loan " Current '' status as of XXXX XXXX. 
Here is XXXX  XXXX XXXX  information ,XXXX XXXX XXXX XXXX, XXXX, Utah.XXXX.XXXX direct number XXXX.and fax XXXX I am respectfully requesting a expedited updated credit scores and credit report as I am going through a VA Loan and purchase process with XXXX XXXX  to purchase a new construction home with XXXX XXXX in Florida. 

I highly appreciate your support as I am XXXX XXXX, XXXX and a XXXX XXXX XXXX Military Veteran. 
Thank You for your wonderful support for our US military Veterans and all Citizens in the Communities of America. 
Very Urgent Matters!
Product: Credit reporting or other personal consumer reports

I was involved in several data breeches in the recent months including XXXX XXXX XXXX XXXX XXXX  and had all of my personal information posted on the dark web. I have several hard inquiries that I did not authorize, have disputed them and they were not removed. The fraudulent inquiries are as follows : Account name XXXX Date of request XX/XX/XXXX Account name XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX  Date of request XX/XX/XXXX
Product: Debt collection

I spoke with the Western Funding team on XXXX and informed them I was unable to make the payment due to late commission being paid. They said no problem and made payment arrangements on XX/XX/ my XXXX informed me that they were calling looking for me regarding the payment and asking as if I have not talked to them at all. When I called the representative on yesterday, she said they were looking for me to return the car to the dealership. When in fact, I have already called western funding on several occasions and advised them that I would be making the payment with a secured payment by card on that date. The Representative then start drilling me that it is against the law for me to sell a car that I don't have a title for which any normal person knows this information. I informed her that I will be paying off the loan within the next few days. I felt threatened and mistreated as a customer because of this experience. '' She told me that's why I can not afford to pay for my car. '' I called back and talked to someone else, and they informed me that I could make the payment which I took care of yestersday so my family would not be contacted anymore when I already called and talked to WesternFunding.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom this may concern, This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information, and every step must be taken to assure the information reported is completely accurate and correct. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 

The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting or other personal consumer reports

The company made false reports of my account being delinquent during COVID19. The account is also being false reported as XXXX accounts when is actually only XXXX that the XXXX XXXX XXXX XXXX is responsible for as agreed in mitigation back in 2013 for collecting tutition against the tuition expempt and making unsafe/ unsound scrutiny against orphans/wards of the court against Florida and Federal Law.
Product: Student loan

I was previously over charged for my monthly payment by Navient in the amount of {$550.00} on XX/XX/XXXX. In addition to the {$550.00} they deducted the original payment out of my checked out in the amount of {$280.00} on XX/XX/XXXX. The amount of {$280.00} is my standard monthly payment through Navient. However, when I contacted customer service about the additional charge of {$550.00}, I was told it would be credited to my checking out. I was told my account would be credited within 24-48 hours. On XX/XX/XXXX, I contacted customer service again to see the status of the credit, as they said it looks like the proper codes were not put into the system, therefore the credit did not get approved. I was told the credit was submitted again. At this time, they took my checking account information to expedite the process and the supervisor I spoke to in collections stated it would be an additional 24-48 hours. On XX/XX/XXXX, I contacted Navient again to see the status of my credit of {$550.00}. This was my second time speaking with a supervisor. I was told that the credit can take anywhere from 3-5 days to be approved. On XX/XX/XXXX, I spoke with Navient supervisor and was told that the credit was approved on XX/XX/XXXX and that they are done on their behalf to check with my bank. This has been over 20 days that I have been waiting to have a credit in the amount of {$550.00} to my account, as it was Navient who made the mistake of taking that amount in addition to the set monthly amount. I am extremely frustrated that this has been treated as if {$550.00} is not a significant amount. I have been struggling to make ends meet within the last few weeks because of a mistake on their behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is formal notice that you have failed to respond to my dispute letter of XXXX XX/XX/2021 within 30 days. I have enclosed a copy of the return receipt which you signed in my XXXX complaint. I am maintaining detailed records of all my correspondence with you. 

You may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, Im sure you will want to handle this matter as soon as possible. As such, I have included a copy of my original request, the dated receipt of your reception of the original letter, and a copy of the proof of the mistake placed on my records. 

As a reminder, I am disputing the XXXX XXXX account collection status due to the litigation being thrown out in court. 

Please remove this error from my credit report as soon as possible. 

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

I filed a complaint with CFPB on XX/XX/2022 because the 3 credit reporting agencies was violating the law in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # XXXX and 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 Also, I asked the reporting agencies and the creditors in these cases to validate the loan with any paperwork with m y signature on it, that proves this debt belongs to me. According to 15 U.S.C. Sec. 1681i ( a ), they have to show what methods they use and who they talk to regarding this debt, but I have not received any verification of debt and it has been over 90 days of disputing and requesting accuracy on my file, this has been exhausting and taxing on my mental, emotional and physical well being. 

the 2 accounts on my report are : XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Pleasee Correct/Update. This Inaccurate information On My CreditReport.
Product: Student loan

I have no problems lowering my monthly payments. However I was defrauded by the school I have some student loans for. I was not able to get a job after graduation. I was promised employment and job placement. I was did submit an application for borrowers defense. I already had two small applications pending. However this application is for about {$30000.00} in student loan debt. I was not aware of my options and there is no way to submit the application except through email. The process seems lengthy. I am currently unemployed. I have asked repeatedly for resolution to my ongoing issues with my student loans. I am not getting any resolution from Aidvantage and not giving me options. I am asking them to review my current situation and my loans with XXXX XXXX. I graduated with the promise of employment and the promise of job opportunities. They told me they had career placement. None of this happened after I graduated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint regarding incorrect personal information Experian is reporting. I have requested the incorrect information be deleted multiple times with them but to no avail. I have not received any response to my mailing from XX/XX/2020. My only Address is XXXX XXXX XXXX XXXX XXXX, XXXX Oh XXXX. In my letter disputing this error, I told Experian that I challenge the accuracy and reporting of this item. I sent Experian another letter on XX/XX/2020. Experian has continued to report this incorrect information for almost 4 months since being notified they were reporting incorrect information. Then on XX/XX/2020 I filed a complaint here stating that they had not responded to my letter and were in violation of the Fair Credit Reporting Act. They closed the complaint # XXXX, saying " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' This is a computer generated response that shows they did not even investigate my CFBP complaint. My ID was included in the complaint, ID and social security card, showing this was sent directly by me. Even though per the Fair Credit Reporting Act, they are required to respond and correct this incorrect information not determine who sent the dispute. This is a stall tactic and this is almost 4 months past the date my letter was mailed and received by Experian. Experian must remove all incorrect personal information. I have filed a complaint here with CFPB and also with the Ohio State Attorney General 's office. I will have no other choice but to soon file a small claims lawsuit with my local court if they do not delete this incorrect personal information from my credit report. I have attached my initial letter to Experian, my second letter to Experian on XX/XX/2020, My ID and social security card that were sent to Experian both times, and my CFPB complaint where Experian tried to stall saying Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint and dispute regarding the inadequate response received from Experian concerning my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, with reference number XXXX. 
Account Details : ** Account Holder : ** XXXX XXXX XXXX XXXX Account : ** XXXX Account Number : ** XXXX Date of Reported Late Payment : ** XX/XX/XXXX On XX/XX/XXXX, I received a response from Experian merely validating the late payment without providing a detailed description of the verification process. This response is wholly inadequate and fails to meet the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 

Violation of FCRA Provisions : ** As outlined in 15 U.S.C. 1681 and specifically under 15 U.S.C. 1681i, consumers have the right to dispute inaccurate information on their credit reports. According to 15 U.S.C. 1681s-2 ( a ) ( 1 ), creditors and credit reporting agencies are mandated to report information accurately and completely. Experian 's failure to provide a comprehensive verification process description is a clear violation of these statutes. 

Furthermore, the account in question should reflect its accurate status as " Paid As Agreed, Never Late '' ( PAANL ). Experian 's failure to correct this error after my initial dispute constitutes non-compliance with the FCRA.
Product: Mortgage

in XX/XX/XXXX XXXX XXXX XXXX service my loan to XXXX, I was behind with XXXX around {$5000.00}. I work with XXXX with a trail modification to pay {$1100.00} a month for a year from my regular payment of {$1400.00} paying XXXX. After the trial period with XXXX ( XX/XX/XXXX- ) it was agreed to put my arrears on the back end of my loan, reduce my interest rate for 6.5 to 3.5 and to keep my payment at {$1100.00} until my maturity date. I sign the paperwork and also signed my husband name because he was on the road. After I received copies of the document I signed it was different. my balance went from XXXX owe to XXXX owed with the interest rate staying the same and a balloon payment of $ XXXX after my loan maturity date. I got the paperwork from the new servicing company Select Portfolio Servicing company. I immediately called Select Portfolio and spoke with a loan specialist and I was told to rescind my modification agreement which I did by email and by fax. I separated from my husband and moved to Texas in XX/XX/XXXX. I recently inquired about my credit and it states that I still have a balloon payment mortgage. I believe I was a victim of predatory lending scam from XXXX and now with Select Portfolio Servicing company. I also kept some of my payment statement and it shows my unapplied funds instead of being subtracted from my balance owe it was added to the balance owe making my total amount due more and I do n't think my trial modification payment or my forbearance payments was not properly applied. My maturity date is XX/XX/XXXX with $ 36k+ owing. So with my credit history and my Husband credit history we will probably not be able to secure a loan for $ XXXX at the end of my mortgage agreement to pay for a balloon payment and will probably go into foreclosure and lose a house we owned since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX  allowed fraudulent transactions and charges repeatedly throughout year XXXX. All credit bureaus are reporting against XXXX police report XXXX and other evidence of the unauthorized fraudulent transactions and charges
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regard to the items on my credit report. It has been well over 30 days and I have not received any investigation results.
Product: Debt collection

I received a derogatory mark on my credit report for a XXXX XXXX that I believed had closed up because of Covid -19. Of course my credit score dropped a lot. I received no invoice and no notice, no type of communication, no phone called no letter. nothing. I am contacting you I believe this was so very unfair. The Monterey Collection a debt collection agency handled my situation wrongly. This was unfair. I should have been contacted.
Product: Credit card

Acct XXXX XXXX XXXX XXXX I notified Experian on XX/XX/year> there are errors on my credit report. the errors have not been corrected. Based on 15 USC 1681 EB, the information on my credit report must be 100 % accurate ( see attachments ). My Experian report state that the account status is paid, XXXX state paid, XXXX state derogatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX of 2020 I was given late payments from capital One In accordance with the fair credit # 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 nat treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

a debt collector company is reporting a negative account on my consumer report I asked for validation and verification of that account, but this company haven't answer.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. Over {$900.00} was taken from me with no appropriate response from Zelle. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.