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

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes to my report. The negative inquiries which I have been disputing still appear on my credit report. This is clearly a violation of the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any inquiries listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXXL Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX
Product: Debt collection

Meade and Associates is trying to collect a debt not owed it was discharged in a banruptcy filed XX/XX/XXXX. This company reported this account on XX/XX/XXXX on my XXXX credit report but failed to update it as included in bankrupty, They have also now reported this account 6 years later XX/XX/XXXX on my XXXX Report as a new collection. This should have not been reported on my transunion report after my bankrupty discharge. IT was only on my XXXX  report. This company Meade and Associates is violating Fcdpa and the also Section 524 Title 11 of the Us Bankruptcy Code. This is harming my XXXX  Report and it need to be removed from it being that they havereported on this report after my discharge. This particular account shows like its a new account, The account is due fall off of my XXXX credit report nent year. XX/XX/XXXX. But it was reaged on my XXXX  report.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information in violation of Fair Credit Reporting Act Section 609-A one A. You are required by federal law to verify any and all accounts that you post on the credit report through physical verification of the original signed contract. Otherwise, anyone paying for your debt is most likely fraudulent. I demand to see verified proof. If you fail to comply, please remove this account from my report immediately. 

I'd like to know why you're reporting this account to my credit report. This account has been closed. Remove this account right away because of inaccurate reporting. 

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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account number : 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 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 tha
n 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 card or prepaid card

I purchased a {$500.00} One XXXX XXXX gift card from XXXX 's on XX/XX/XXXX. I used the card online for purchases totalling approximately {$66.00}. When I was unable to check the balance on the card a few days later, I was told by customer service that a hold had been placed on the card and that I needed to send a copy of my receipt, driver 's license and prepaid card. 

When I was able to check the balance the following day, I discovered approximately {$200.00} of unauthorized charges had been placed on the card. Other charges were pending. I then filed a dispute claim with Incomm on XX/XX/XXXX. After a request for an update, on XX/XX/XXXX Incomm stated that " merchant denied refund. Reattempting refund from merchant. Response can take up to 30 days. '' This is the only update I have received from Incomm despite sending two recent emails requesting information. The only information provided by customer service is to " check back in 24-48 hours. '' When I asked if I could access the card to see exactly what transactions had been made, I was told the card was inactive. 

At this point I am worried this claim may never be settled and I may not get any of my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$140000.00} XXXX  XXXX XXXX {$480.00} XXXX  XXXX {$9300.00} XXXX  XXXX XXXX {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX XXXX Banking XXXX XXXX XXXX XXXX XXXX explained that a furnishers continuing failure to mark an account as disputed constitutes a violation of 15 U.S.C. / 1681s2 ( b ). 

XXXX XXXX is in violation for not marking ( 2 ) accounts below in dispute after I submitted my dispute via CFPB # XXXX on XX/XX/XXXX and XXXX Bank XXXX XXXX on XXXXSee screenshots attached. Experian Credit Report # XXXX Date XX/XX/XXXX. 

The screenshots PROVE that both accounts had not been updated in the Comments section since XX/XX/XXXX. ( VIOLATION under 15 USC 1681s ( 2 ) ( b ). 

I demand both accounts be deleted immediately as I will seek legal representation if I am forced to. 

Remove both accounts for violation. 

XXXX ) XXXX # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting response to your current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. 
XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$15000.00}
Product: Checking or savings account

I recently got out of an abusive, controlling relationship and I am on SSI due to having a XXXX and no income. My Ex had added me to his KeyBank checking account ( I believe it was in XX/XX/2019 ), without my advocate/payee present. Due to a XXXX XXXX, I am unable to read, write and communicate without difficulty or having my advocate 's assistance. I had trusted my Ex at that time and believed we would be together forever and he would take care of me. I did not ask the bank to read all their terms to me, as I have a XXXX XXXX causing a great deal of difficulty understand and require my advocate to explain in simple translations. On XX/XX/2019, I ended the relationship ( for good ) he already controlled everything of mine, including all the papers from the bank and the debit card the bank sent me, it was all in his possession when he left. Today, XX/XX/2019, I sent him a text, asking him if he would please take my name off of his account and he refuses to communicate with me. I do not know his email address or any other way to contact him. Next, I went to the bank 's website and chatted with the bank 's online support. They insisted the ONLY way to have my name removed would be for " him '' to agree and both go into the bank, together, and sit down with a banker to remove my name. Next, I called the bank 's main number for customer support and they said I could remove my name from his checking account, however after explaining they told me different during the online chat, the rep. actually called our local branch office for clarification. The Branch Office told her I needed my Ex to agree to take me off his checking account, if he did not agree, I could not remove myself from his account!! They also said that I had signed and agreed to those terms. I have contacted my payee/advocate and have been told me I would lose my SSI,  because Social Security will include the income on all accounts with my name and he makes over my limit!! He also knows I will lose my income, because my advocate told him so. Also, the bank tells me he can restrict me from all access to this account if he so chooses!! I am being held prisoner to this account and him and I will soon lose my only income from SSI ... I will be homeless!!
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2019 the loan balance on my XXXX mortgage account is incorrect and not reflected correctly in any of the credit bureaus, XXXX, XXXX  or Experian.
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. Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally as I was a victim of the Equifax Data Breach, Engagement # XXXX. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was indeed a victim of this data breach and Equifax has done nothing. 

Please assist me with deleting these illegal accounts from my credit report : XXXX XXXX XXXX Account # ending XXXX XXXX XXXX XXXX Account # ending XXXX XXXX XXXX Account # ending XXXXXXXX XXXX XXXX XXXX Account # ending XXXX I thank you in advance for any assistance you provide me.
Product: Student loan

Student loan repayment was restarted, and automatic payment was configured for XX/XX/2023. 
Nelnet.com did not process my automatic payment, and now says my balance is past due.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, D.C. XXXX Re : Complaint Regarding Failure of Experian to Investigate a Dispute under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to file a formal complaint against Experian for their failure to properly investigate and resolve a dispute I submitted under the Fair Credit Reporting Act ( FCRA ). Despite providing all necessary documentation and clearly disputing inaccurate information on my credit report, Experian has not complied with their obligations under federal law. 

I am disputing a collection account reported by XXXX XXXX XXXXXX/XX/XXXX, with the account number XXXX and a reported balance of {$700.00}. On XX/XX/scrub> 2025, I submitted a dispute to Experian, stating that I do not recognize this debt and requesting that they provide validation of the debt or remove the inaccurate account from my credit report. However, despite the FCRAs explicit requirement that credit reporting agencies conduct a reasonable investigation, Experian has failed to verify the information or provide any resolution. 

According to the FCRA ( Section 1681i ), Experian, as a credit reporting agency, is required to : 1. Conduct a reasonable investigation of a dispute within 30 days of receiving the dispute notice. 
2. Provide the consumer with a written statement of the results of the investigation, which includes a summary of the evidence reviewed.

3. Correct or delete inaccurate information that can not be properly verified during the investigation.

4. Not report any information that can not be verified within the required time frame. 

In my case, Experian has failed to fulfill these obligations and has continued to report the inaccurate collection account without proper validation or investigation. Their actions are a violation of the FCRA and have resulted in harm to my credit profile and financial standing. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that Experian complies with the FCRA and corrects any inaccuracies related to this dispute. Additionally, I seek confirmation that Experian will promptly complete a proper investigation in line with the law and provide me with the required documentation regarding their findings. 

Please find attached copies of my dispute letter to Experian and my credit report showing the disputed XXXX XXXX XXXX XX/XX/XXXX collection account. 

Thank you for your prompt attention to this matter. I trust that the CFPB will take the necessary steps to ensure that my rights under the FCRA are upheld. 

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

XXXXXXXX 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Immediate Removal of Late Payments from Credit Report Pursuant to Consumer Law To Whom It May Concern, I am writing to request the immediate removal of late payments from my credit report in accordance with consumer law, specifically 15 U.S. Code 1666b, 15 U.S.C. 1681a ( 2 ) ( I ), and 15 U.S. Code 6802. Upon reviewing my credit report, I have identified late payments that are inaccurately reported and must be removed promptly to avoid further harm to my creditworthiness. 

I request the removal of the following late payments : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I assert that these late payments are inaccurately reported and violate my rights under consumer protection laws for the following reasons : 1. Violation of Consumer Law : Consumer protection laws, including 15 U.S. Code 1666b, safeguard consumers from unfair credit reporting practices. The reporting of inaccurate late payments on my credit report constitutes a violation of these laws. 

2. Accuracy Requirement : According to 15 U.S.C. 1681a ( 2 ) ( I ), consumer reporting agencies are required to ensure the accuracy of the information they report. The inclusion of inaccurate late payments on my credit report fails to meet this requirement.

3. Privacy Protection : 15 U.S. Code 6802 aims to protect consumers ' privacy rights by ensuring the accuracy and confidentiality of their personal information. The reporting of inaccurate late payments compromises my privacy rights and must be rectified immediately. 

I demand that you take immediate action to remove the inaccurate late payments from my credit report and provide me with written confirmation of their removal within [ specify a reasonable timeframe, e.g., 10 business days ] days of receipt of this letter. 

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I recieved numerous calls yesterday and told them to go ahead and debit my account like they said they would. I said please stop calling my cell and my work phones as I was busy working. They continued to call an additional 4 times that day ( Friday the XXXX of XXXX ) and called again Saturday the XXXX. I let them know that It was the wrong number as I no longer had business to discuss with them as they have all the necessary information to collect the funds and they refused to stop calling and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance of the fair credit reporting ACT. The creditor CarMax Auto Finance has violated my rights under 15 USC 1681 section 602 that states I have a right to privacy. 15USC 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B A creditor may not treat a payment on a credit card or any other account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

I received money from FEMA in 2013 that was given to Capital One, my mortgage holder. They held it until such time as I paid off my mortgage. They released the funds to me in the form of a check. However, they included my wife 's name in the check. This made the check impossible to deposit at another bank. I sent them the death certificate and information regarding my position as executor of her estate. They never reissued the check and I never received the money. They continued to redirect me to my local branch and I pestered them for it, until they closed. Now they no longer deal in mortgages and I have no idea where the {$30000.00} is.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigale my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian 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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

RE : Social Security Number : XXXX To Whom It May Concern : This is yet another attempt Im taking solely for the purpose to update my personal information. 15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, TX 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. 15 USC 1681 a 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 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 : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter The current personal information being furnished is inaccurate, not relevant out dated information. 15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The Consumer reports must be accurate this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report! Once this is done please send me an updated copy of my consumer reports reflecting only the correct information below. Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX