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

XXXX is maliciously and intentionally reporting inaccurate information on my credit report and Experian is allowing them to. It is injurious to my credit rating and overall financial status. I have disputed this account with Experian numerous times and it was illegally verified as accurate. I want this inaccurate, injurious, erroneous information removed immediately from my credit report. 

Every month they update my credit report with a balance that in no way shape of form matches the information that they have sent me. Every time that I dispute the account, Experian comes back as verified as accurate. I have also sent Experian documentation that I have received from the creditor stating the balance, however they informed me that it doesnt matter what I send them, they go with what the creditor tells them. I have attached the backup for my claim and I would greatly appreciate it if you would help me get this remove immediately.
Product: Debt collection

Tried to dispute with them and they all say this debt is authorized Im disputing this against all 3 Bureaus, showing inconsistencies and inaccuracies payment history date opened date reported dispute status/creditor remarks FCRA required the remarks to say under dispute when its under dispute date of last activity two different payment status
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the many unsuccessful attempts to remove fraudulent items from my credit file. Despite my persistent efforts and cooperation, the fraudulent entries persist on my credit report, causing significant distress and adversely impacting my financial standing. I have previously submitted identity theft affidavits, police reports, and supporting documentation in my attempts to rectify these inaccuracies. Regrettably, it appears that the necessary actions were not taken to ensure the timely and accurate removal of the fraudulent items. The continued presence of these inaccuracies is not only affecting my creditworthiness but is also causing significant challenges in securing credit, obtaining favorable interest rates, and managing my overall financial well-being. I urgently request an immediate and thorough reinvestigation into this matter to expedite the removal of the fraudulent items from my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and rectify the fraudulent items promptly. Failure to resolve this matter in a timely and satisfactory manner may compel me to escalate my complaint to regulatory authorities and seek legal recourse to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : 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

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX Balance : {$21000.00}
Product: Credit reporting or other personal consumer reports

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

This was clearly a billing error made 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 XXXX 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 card or prepaid card

Information for N.A.R. Inc. 

On or before XX/XX/XXXX someone at XXXX ( XXXX XXXX ) set up an account with XXXX using the name XXXX XXXX or XXXX XXXX XXXX ant transferred or charged the amount of XXXX! ( attachment XXXX XXXX ) On or after XX/XX/XXXX a fake bill was made ( Fake Bill ) On or before XXXX XXXX, XXXX the fake depth was transferred from XXXX bank to XXXX ( Bill of sell, Crook 1, Crook 2 ). 

These are the person who hacked into my computer between XXXX and XXXX. 

From about XXXX to XXXX someone was transferring money from my credit cards to fake accounts set p by these two crooks. I thought it was XXXX card but now with these court Documents I believe it was the two crooks 1 and 2. 


I would like to Know HOW many other fake accounts were set for the XXXX  up by these two crooks!!!! 

I am A XXXX XXXX XXXX XXXX  veteran!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX has violated my rights. 

I am filing a complaint against XXXX, Experian, and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX, Experian, and 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 administrative proceedings ( File No. 2025-CFPB-0002 ) against them for similar violations. I request the CFPB take action to ensure XXXX, Experian, and XXXX complies with federal law. 

15 U.S.C. 1681i section 602 A. states that I have a right to privacy.

15 U.S.C. 1681i Section 604 A Section 2 ; States a consumer reporting agency can not furnish any account without my written instructions. 

XX/XX/year> {$620.00} XXXX XXXX XXXX XX/XX/year> {$640.00} XXXX XXXX XXXX XX/XX/year> {$640.00} XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed unauthorized credit inquiry still remain on my personal credit report. 

I contacted Transunion credut bureau and asked to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into the below inquiry on my credit report to determine who authorized this inquiry. If, once your investigation is complete, you find my allegation to be true, please remove this inquiry and send me an updated copy of my credit report at the address listed above. 

XXXX  XX/XX/2020 If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Product: Checking or savings account

Try to open a bank account and didnt let me do it.
Product: Debt collection

Comenity Bank calls me every day about settling a debt that is less than {$5000.00}. The calls are after XXXX XXXX but they also have been calling on XXXX before XXXX XXXX in violation of the FDCPA. I wish to report them for this practice.
Product: Credit reporting or other personal consumer reports

XX/XX/year> was the deadline to pay XXXX XXXX. I paid via phone. However, because the payment was misapplied, XXXX reported the account in error between XXXX. I disputed with Experian in XXXX. 

After its internal investigation concluded on XX/XX/year>, XXXX agreed to remove the entry from ALL credit bureaus. However, despite my XX/XX/year> dispute with XXXX AND multiple disputes with Experian in XXXX and XXXX, the information remains. Not only does it remain on my credit, I am unsure how XXXX and XXXX validated the account, despite the documentation. My prize is now the balance was updated to {$0.00}, but it still caused my credit score to drop when I purchased my car XXXX. 

I even had my attorney write a letter, which was also ignored, as the information remains.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in 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 BANK 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

I have spoke with Target representatives several times, they are stating I am late 3 different times on my credit report which is simply not true. I do have proof that they were paid and how they were paid. I even sent a letter to the CEO and financial services of Target and they will not respond. I need help at this point because they are reporting incorrect information on my report. I am trying to purchase a home for my family of XXXX. I did have XXXX and I did get behind in XX/XX/XXXX, but they are not reporting correctly for XXXX and XX/XX/XXXX, I was NOT late. 

Thank you
Product: Credit reporting or other personal consumer reports

I HAVE TRIED TO HAVE MY PERSONAL INFORMATION UPDATED SEVERAL TIMES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company multiple times asking them to delete to verify a bankrutcy which they said it was verified through XXXX XXXX and or the court house I have sent a letter from the court and XXXX XXXX stating that it was deleted or was not verified, and the company still refuse to deleted the bankrutcy after i sent the letters stating the coudnt verify it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed in XXXX unauthorized inquiries and multiple accounts that are not mine and several others that I was never late on. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX for inaccurately reporting multiple collection entries related to a single debt from XXXX XXXX. The way both XXXX XXXX and XXXX have handled this situation is misleading and unfair. 
Details of the accounts : XXXX. Account XXXX : XXXX XXXX : {$210.00} XXXX. Account XXXX : XXXX XXXX : {$110.00} XXXX. Account XXXX : XXXX XXXX : {$510.00} Complaint Details : 1. Unfair Billing and Reporting Practices : These debts should never have been sent to collections. I tried to resolve the issue with XXXX XXXX before it escalated, but they continued adding fees, to a point where I could no longer make the payment. 
2. Multiple Collection Entries : XXXX  has reported XXXX separate collection entries for what should be a single debt. This creates an inaccurate and unfair portrayal of my financial situation, which severely impacts my credit and future well being. 
3. Unjust Impact on Young Adults : It is deeply unfair that XXXX XXXX and XXXX  would handle these accounts this way, particularly since it disproportionately affects young adults like myself. The impact of these actions on credit scores can last for 7 years, making recovery extremely difficult. This is particularly troubling given the current national crisis around student loan debt. 

*** Despite my willingness to pay in full, XXXX  refuses to remove the accounts from my credit report. This practice unfairly penalizes individuals who are trying to settle their debts. I request the CFPB investigate this matter and ensure these duplicate entries are corrected. Collection agencies should also be willing to delete accounts once they are paid in full.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX XXXX  in regards to false reporting to the XXXX credit bureaus. I requested a dispute and they denied my request as if the reporting was accurate on my credit card utilization. I have proof of my minimal payment being paid on the due date and also paying additional money before statement date making my utilization below XXXX % which they reported. In key bank still refuses to correct the inaccuracy. Because of this my credit score decreased by XXXX points.
Product: Credit reporting or other personal consumer reports

EXPERIAN INQUIRES 19inquiries These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  I Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  I Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of a code : A filed requirement or provision under the law. 
XXXX XXXX bank willfully failed to comply with 15 USC 1681s-2 ( b ) under the FCRA and is liable under 15 USC 1681n ( 1 ) ( A ) to XXXX XXXX I am within the statute of limitations, per 15 USC 1681 p I am entitled to a private right of action The elements of my claim, factors that are met to make this claim is that I have disputed this info with the Credit reporting agencies. The Credit reporting agencies told you all ( the furnisher ), XXXX XXXX, and you as the furnisher investigated. The Credit reporting agencies failed to conduct a reasonable investigation. I have suffered concrete harm in damages due to this failed investigation. 
I, XXXX XXXX, the defendant am liable after a failed requirement and I am entitled to {$1000.00} per 15 USC 1681n.

As far as damages, I have suffered statutory, actual and punitive damages. Statutory damages I am entitled to {$1000.00} per 15 USC 1681n ( a ) ( 1 ) ( A ).

As far as actual damages, I have suffered denials due to excessive chargeoffs per XXXX XXXX and XXXX reporting agencies inaccurate reporting and failure to perform a reasonable investigation per 15 USC 1681o ( a ) ( 1 ). If XXXX XXXX and the credit reporting agencies wouldnt have falsely reported a wrongfully charged off account, then I would never have been denied in the exhibit attached. 
To state a claim under 1681s-2 ( b ), a consumer must : 1. Alert the credit reporting agency or CRA of a dispute regarding the allegedly erroneous information that it reported.

2. Allege that the CRA alerted the furnisher of the credit information of the dispute, which triggers the furnishers duty to investigate.

3. Allege facts which show the furnisher failed to undertake a reasonable investigation of the disputed credit information and I have suffered damages because of that. 
And I have done all that, please see the attached invoice. These are serious violations of the FCRA and I now reserve the right to pursue legal action for this clear violation of FCRA! I demand that you immediately delete this account from my credit report or update it to paid in full and satisfied in order to avoid legal action, I will also fax this to the Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

In response to XXXX and addressing EXPERIAN XXXX and any other consumer reporting agency. Ive received correspondence from XXXX, expressing adverse accounts. Ive previously expressed to the reporting agencies a request to opt out and stop selling my information as it violates several FCRA laws. Attached is a 609 letter, requesting all adverse accounts be updated and reported properly. 

Also a ton of inquiries I did not give permission to. Please remove all negative accounts affecting my FICO score. Also please remove all addresses that are not my main residence. XXXX XXXX XXXX XXXX XXXX GA XXXX. Also, remove all misspellings of my name. It is XXXX XXXX XXXX, not All these names listed on the report. 
Attached is my Drivers license as well. 
Id greatly appreciate these efforts to be executed within ten days, as its been over a month since Ive sent the letters via certified mail. Please see attachment.

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

I have written to XXXX XXXX about account XXXX XXXX XXXX XXXX that is is a fraudulent account open under my name. The account was removed and know was place in the credit bureau with many many months of been open.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, who has a consent order for failure to report accurate information is reporting my information incorrectly to XXXX, Equifax, and XXXX. I have contacted the bureaus, but they merely rely on the E Oscar system and never do an investigation which is my right under the FCRA. Instead, they just delete data fields or say they have already investigated it. As we know, the credit bureaus must report 100 percent accurate information. So, how can all three bureaus have different information and it be verified at the same time? This is not accurate. Additionally, XXXX has been sent numerous return receipt letters and has failed to respond in a timely lawful manner. I want this deleted from all three credit bureaus as they have violated my rights by reporting inaccurate information and have caused financial harm because of it. 
In accordance with the FCRA, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and 1692. 
Account Name : XXXX XXXX XXXX # XXXX 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 an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) States : No consumer 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 that the information is inaccurate. 15 U.S. Code 1692c 15 U.S. Code 1692b ( 3 ) 15 U.S. Code 1692b ( 4 ) 15 U.S. Code 1692b ( 5 )
Product: Credit card or prepaid card

I sent a {$2000.00} payment on XX/XX/XXXX to Commenity Bank  for my XXXX Mastercard that did not post to my account until XX/XX/XXXX. 
I called the company on XX/XX/XXXX and they claimed they never received a payment. I then sent a payment for over {$4000.00} to pay off the card and sent it certified mail. 
The first payment then hit on XX/XX/XXXX, almost a full month after I sent it. 
I then checked my certified mail receipt and found that the company had received it on XX/XX/XXXX. They did not post the payment until the 10th, collecting more interest.

I immediately called and ask for a refund and explained the situation. They said they would issue a refund but it could take up to 15 days. I also said I wanted a refund of the interest charged since they didn't post either when they were received. 
They submitted a investigation and sent me something that said they confirmed it was received on the XXXX  which is not true. At that time they said they would send my refund but it would take another 15 days. 
I spoke with a supervisor, XXXX, just now and it still has not even been issued. I have proof of receipt and they have been holding my {$2000.00} for almost a month.