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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX Balance {$7700.00} XXXX XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXX XXXX  XXXX Balance : {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX  credit card and a XXXX car loan on my credit report nether one of these accounts are mine i sent in a dispute and FTC report and police report to the credit bureaus and the credit bureaus removed the accounts from my credit report. 

XXXX was removed - XX/XX/2021. 
XXXX bank was removed - XX/XX/2021. 

It is against FCRA to remove unverifiable and unauthorized negative accounts and place them back on the report once it has been removed. These negative items are back on my credit report. It is really hurting my score and credit profile and stopping me from getting a new home and a better position at my place of employment. Please help me get these negative unauthorized items from my credit report permanently. 

Attached will be proof that these items were removed at the above referenced date. 

Thank you.
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. 

XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XX/XX/XXXX To Whom It May Concern : I am writing to let you know that I have received your collection notice for a defaulted student loan in the amount of {$28000.00}. 
This debt, originally accumulated as a private student loan I received when I was enrolled at the University XXXX from XX/XX/XXXX-XX/XX/XXXX, was a debt that I began paying on after I began my XXXX career XX/XX/XXXX. Since that time, I have made monthly payments in increments of {$280.00} a month, from XX/XX/XXXX until XX/XX/XXXX. XX/XX/XXXX, I was informed in a phone call I made to you regarding my payment structure, that my student loan was in default after you received no monthly payment for two consecutive months. 
I received no written notification of this change of status when it occurred. 
I was told in that phone call that making an interest payment at that time, and continuing to do so until such a point that I could begin making payments on the principal, would in turn remove my account from default and would allow me to bring my debt into good standing. XX/XX/XXXX, after receiving notification that my loan was being sold to a debt collection service known as Transworld Systems, I contacted Transworld Systems and challenged the legitimacy of the debt on the grounds that I had received confirmation from a loan service specialist managing my account under your supervision, that providing interest payments on my loan would " bring the debt into good standing, '' and thus bring my debt out of default. 
I have yet to receive any acknowledgement by you, your company, or its affiliates, that you or your agents ever spoke to me regarding such an agreement. I am challenging your authority, therefore, in managing this debt, on the grounds that you and your affiliates are held responsible for false testimony and are ultimately guilty of perjury. 
Please feel free to reach me if you would like to schedule a hearing on this matter.
Product: Credit reporting or other personal consumer reports

An XXXX XXXX was reported to my XXXX XXXX on XX/XX/2023. 

A Notice and Demand For Unauthorized Inquiry on my Consumer Report was sent to the creditor via XXXX XXXX Mail on XX/XX/2023. A copy of this letter and confirmation receipt is attached below. 

*USPS XXXX Mail : XXXX - Delivered XXXX This Creditor had No Permissible Purpose to obtain my consumer report information. 

This Creditor has not responded in return and it has been over 30 Days from the date of receipt of my Notice and Demand letter. 

Please Delete/ Remove this inquiry from my consumer reports as soon as possible. 

Thank You In Advance, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has a website for disputing credit report entries. 

https : //dispute.transunion.com However, it never works. EVER. This is not an isolated complaint, and has been reported by other consumers : XXXX XXXX XXXX Of course, TU 's response is " mail us '' your credit complaint. This is an unreasonable standard. They can operate credit reports electronically, but consumers are expected to use snail mail. Double standard that should be legislated against. 

More importantly, if they can't get a basic website to work, how much faith should we have in their ability to manage data responsibly?
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A personal loan was taken out with XXXX XXXX. After being unable to pay and informing them of this. They constantly called my work, friends and family and of course myself. I notified them with via phone to stop contacting my friends family work and myself and they continued. I finally sent a certified return receipt requested cease and desist letter. The phone calls continued. I have contacted a bankruptcy attorney to file bankruptcy this only made XXXX more upset. I need her to stop this repeated behavior of harassment and intimidation.
Product: Credit reporting or other personal consumer reports

My account with XXXX TRANSUNION was never late! I have had exceptional payment history with 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 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 to be updated.

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 TRANSUNION 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant with the platform. Despite of using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering the lost funds was impossible and that tracking these transactions was infeasible the CFPBS finding 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.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists CREDIT CARD XXXXXXXX XXXX  XXXX XXXX account # XXXX, XXXX XXXX XXXX '' XXXX '' account # XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 or other personal consumer reports

I am filing a formal complaint regarding the inaccurate and inconsistent reporting of my XXXXXXXX XXXX  account, on my credit report. I have identified multiple discrepancies across the credit bureaus that violate XXXX XXXX compliance standards, and I am requesting an immediate correction of this accounts payment status to reflect accurate, positive standing. 1.Inconsistent Payment Status : XXXX reports this account as Pays account as agreed, TransUnion as Paid or paying as agreed, and XXXX as Current account/was 30 days past due date. This variation in payment status is inaccurate and does not align with the standards for uniform reporting under XXXX XXXX compliance. 2.Discrepancy in Worst Delinquency Status : XXXX and XXXX report 30 days past due as the worst delinquency, while TransUnion shows XXXX Reported. This inconsistency in the delinquency record suggests errors in data reporting, especially as the account is now in good standing. 3. Erroneous 2-Year Payment History : The 2-year payment history displays conflicting information, with some bureaus marking a 30-day late payment in XX/XX/year>, despite my current positive payment record. Such discrepancies compromise the integrity of the data and violate XXXX XXXX standards for consistency and accuracy.
Product: Debt or credit management

experian has failed to fullfilits legal obligation under the fair credit reporting act ) FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection. bureau has recently filed lawsuit against Experian, alleging systemic issues such as failing to forward consumer -provided evidence to fumnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite [ the evidence 1 provide, causing ongoing harm to my creditstanding XXXX XXXX  requesting immediate corrective action to remove or amend the disputed accounts, as experian inaction violates federal law and to my rights as a consumer
Product: Credit card or prepaid card

Comenity BankXXXX XXXX closed my account XX/XX/XXXX for no reason I paid from XXXX to XXXX with no late payments. as to all 3 of my credit bureau reports. 
Closing my account caused impact on my credit.
Product: Debt collection

LVNV FUNDING LLC has violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts.

LVNV FUNDING LLC failed to validate this alleged debt.

I refuse to pay this alleged debt until the proper validation of this debt is provided. Please have LVNVFUNDING LLC cease and desist all collection activities until you can properly validate this alleged debt.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint - Request for Assistance in Reopening Dispute Claim for over {$7500.00} Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint and seek assistance regarding the closure of my bank account last XXXX # XXXX claim for over {$7500.00} merchant name, XXXX, before the resolution of a dispute claim involving unauthorized transactions that I strongly believe were a result of fraud. 

I, XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX can confirm that I have conducted a comprehensive investigation involving my other bank account H & R Block Spruce account. Enclosed with this letter, please find supporting evidence from these investigations. The evidence clearly indicates fraudulent activity associated with the transactions in question. 

The closure of my account has resulted in significant inconvenience, and I am concerned about the impact on my credit and financial stability. I have attempted to resolve this matter with the respective banks directly, including Bank of America, but to no avail. 

I kindly request the XXXX XXXX XXXX XXXX intervention to facilitate the reopening of the dispute claim and a thorough investigation into the fraudulent activities outlined in the enclosed evidence. I believe that a fair examination of the facts will contribute to a just resolution of this matter. 

Enclosed, please find the supporting documentation from the investigations conducted by XXXX XXXX XXXX XXXX account. I am prepared to cooperate fully and provide any additional information necessary to assist in the resolution process. 

Your prompt attention to this matter is greatly appreciated. If further details or documentation are required, please feel free to contact me at XXXX or XXXX. 

Thank you for your time and assistance in addressing this issue. 

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

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can & XXXX XXXX XXXX XXXX  be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Student loan

I took out student loans for a  XXXX   XXXX  in  XXXX . In  XXXX  I consolidated those loans thru the  XXXX  ( federal loans ) and have been paying on the loans which is serviced by Navient, I think it was originally by sallie mae i am not sure.     I recently retired and called today to find out what i needed to do to ensure my employment information was on file for the public service forgiveness program because i worked for local government and had sent my paperwork in back in  XXXX  and I still had the same employer (  XXXX  county ) and I am now going to a non profit that i believe will qualify.     I was told today when i called that none of the payments i have been making since  XXXX  will actually qualify because i was in a " standard repayment '' not the Income based repayment and so therefore i could enter it now but none of the pas t 3.5 years will count towards the 120 paym ent requirement.     I was shocked by this information because I understood that my payments were qualifying, i have never been la te etc..  so i was hoping to find out if there is anything I can do, I also understand that my interest rate is now fixed at the rate it was set when i consolidated so the only recourse i see is to look for a private lender to refinance the loan at a lower rate if possible AND not get the benefit of the forgiveness program.     I hope you can help
Product: Credit card or prepaid card

Citibank, issuer of my XXXX XXXX XXXX card has informed me in a letter dated XX/XX/XXXX, that my card is expiring and will not be reissued. " We are unable to send you a new card due to a charge off on another credit card account issued by Citi ''. I have about XXXX miles accumulated over 20 years that they will be confiscating by cancelling this card. They have not been specific regarding the 'charge off " on another Citi Card ... .but I am pretty sure that it refers to a card from several years ago when I paid for one unsatisfactory service from a Cheat Web service -- - XXXX XXXX XXXX '' They signed me up for a multi-month auto payment program. I went months without using the card until I received a statement 8 or 9 months later that showed those charges and a bunch of Citi add-ons. I protested, verbally and in writing. To my knowledge they did nothing to curb Just Answer. I told Citi that was willing to pay for the first month of no answers from XXXXXXXX XXXXXXXX, but I wasn't paying the many months following, and their add-ons. I just stopped using the card. 

That was years ago. I probably have, with my wife, 5 or 6 different Citi cards, for decades, -- -- all paid in an timely way except when Citi 's website isn't working and I have to take a couple days to complete payment. I have declined to pay on this one card because I feel that I was cheated and that Citibank aided the Cheater. 

Can they now steal my air miles?
Product: Mortgage

Bank of American is trying to foreclose as I am still in the modification process. See attached,
Product: Credit reporting, credit repair services, or other personal consumer reports

The below three account do not belong to me, i have never done business with them, never received medical service from them and this is stopping from by buying a home and cause even more hardship during this horrible time during this pandemic. This info is on my credit report, I have tried to contact them and get no where. this IS FRAUD. 

Account Name XXXX Opened XX/XX/XXXX Balance {$190.00} Account # XXXX Account Name XXXX XXXX Opened Date XX/XX/XXXX Balance {$470.00} Accoun # XXXX Account Name Opened Date XX/XX/XXXX Balance {$400.00} Account # XXXX
Product: Debt collection

I am a XXXX XXXXXXXX working in the XXXX XXXX. A few fraud accounts appeared against me during a recent required security clearance check. After I contacted Midland Credit management to let then know I never had opened an account with then or XXXX bank, they hung up on me. Then they began calling my father over and over and demanded he pay the bill! I have called them over and over from here in XXXX and they hang up on me every time and say they can't talk to somebody outside of the XXXX!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

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 am writing to formally request the blocking and deletion of fraudulent accounts that have appeared on my credit report. As a victim of a data breach, I did not authorize these accounts. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these accounts be removed promptly.

Fraudulent Accounts to Be Blocked and Deleted XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$4700.00} XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$6500.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3000.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2600.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$15000.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$32.00} XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Someone applied for a credit card using my name and SSN. 
A credit report was pulled and I was informed by my ID Theft - XXXX