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

Subject : Dispute of Credit Report Information Under 15 USC 1681 Dear Sir/Madam, I am writing to formally dispute the accuracy of information contained in my credit report as provided by [ Credit Bureau Name ] . According to my recent credit report, there is an account listed under the name XXXX with the account number XXXX. 

Upon reviewing this information, I must bring to your attention that I have not provided written consent to either furnish or obtain information regarding this account. As per the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681, it is imperative that any information reported on a consumers credit file be obtained with the express written consent of the consumer. 

Since I have not provided such consent, I request that [ Credit Bureau Name ] investigate this matter thoroughly and promptly remove the disputed account from my credit report. Additionally, I would appreciate receiving written notification of the actions taken as a result of this dispute, in accordance with my rights under the FCRA. 

Please consider this letter as a formal request for investigation and remediation of the inaccurate information on my credit report. I expect prompt attention to this matter, as required by federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I have sent in documents as I qualify for disqualifying status to have debt discharged, and they just keep calling and calling. They have called my neighbors, they have called my boyfriend and disclosed the amount of the debt, who was the references on the original loan, and any details that they have.
Product: Debt collection

They keep calling about a debt I don't know anything about saying it a internet service I owe.I never had a internet bill in my name and nor gave them or anyone else my identification. I need to see that my ID was giving for this if not it will be involved in a LITIGATION.
Product: Credit reporting or other personal consumer reports

I paid my loan in full and requested data showing that the loan was in fact paid in full. I received the data showing the loan as paid in full, however, the credit reporting data was not updated to reflect that. I contacted MOHELA and spoke with Supervisor # XXXX who stated that they were reporting paid in full status yet my credit report does not reflect what they claim they are reporting. I have been working with XXXX to try and resolve this issue with no success. XXXX states they report what is reported to them, as a consumer between an organization like MOHELA who states they are transitioning loans and have delays and other problems and XXXX who states they can only post what they receive. I am left with an account on my credit report that shows a balance due while I have data that shows the account as paid in full and the two agencies can not seem to correct my credit report. Please advise.
Product: Bank account or service

This is by far the most terrible on-line bank, I have ever ran into. They want to close my checking account even after getting deposits in it and take offense over a debt I believe they owe period.
Product: Debt collection

Midland Credit Management sent letters to wrong address so I was unaware they were contacting me. I sent them a debt validation letter on XX/XX/20 I forgot to send it certified. I sent a certified letter on XX/XX/20. It has been 30 days and I haven't received validation of the debt. I received a letter last week that demanded I contact them by XX/XX/20 and demanding payment or they are going to take legal action against me. I have already contacted them with the 2 validation letters and they have not sent me any proof that the debt is mine or that I owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes XX/XX/2018, XX/XX/XXXX, XX/XX/XXXX, & Transunion has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. If I must, I will take legal action but I want to create a paper trail.

If a response was sent, can they please be resent?
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX I have been dealing with Equifax and the incorrect reporting on my credit report. My latest efforts On XX/XX/XXXX are in response to my request for validation under the FCRA 809 ( B ).

Per my rights under FCRA 611 ( a ) ( 7 ) I am currently requesting a full report of all methods used to investigate and validate my disputed accounts.

This is no longer a matter between the alleged account holder ( company ) and my person because Equifax has taken the responsibility to investigate the validity of these accounts and is representing them as true. When we both know no such accurate validation has been provided to me or Equifax. Not only is Equifax reporting false information, but they are doing so without my permission on my credit report. As a consummer reporting agency Equifax is in violation of several portions FCRA and FDCRA. If it is Equifax position to continue to represnt this inaccurate and invalid information on my credit report I have no recourse but to pursue this matter in court.

I am expecting the full report of methods of validation from Equifax with 15 days of receipt of my request or the removal of all 8 invalid accounts. If I receive anything from Equifax other than the original contract between myself and the account holder on my credit report the accounts should be removed immediately by law. My notice was received by Equifax on XXXX XXXX XXXX. Thererore, this matter is to be resolved by XX/XX/XXXX. 

I have personally written and mailed all my letters and done my own filings myself and have had Equifax responds by saying they do not believe it is me. I have provided them on numerous occasions my ss card and drivers license. If their reponse to this complaint is a stall tactic like that it will be taken as failure to repond to my certified notice and request and I will be forced to pursue them in court for that violation as well.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX Original balance XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX These items are reporting on my credit report and they are inaccurate and do not belong to me. I've disputed XXXX XXXX & XXXX in the past and these accounts were deleted from my report for fraud, and they are back on my report again! These negative inaccurate accounts are hindering my score and not reflecting my true credit worthiness these accounts need to be deleted expeditiously
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE DO NOT CLOSE THIS COMPLIANT AS THIS IS NOT DUPLICATE, AND I NEED ASSISTANCE IMMEDIATELY. THE SAME COMPANIES MAYBE LISTED IN DIFFERENT COMPLIANTS, BUT LISTEN MY PROBLEM IS NOT SOLVED, NOR HAS IT BEEN, SO I WILL CONTINUE TO FILE A COMPLAINT UNTIL I GET THE INACCURATE accounts ( REMOVED ) FROM CREDIT REPORT XXXXCHAPTER XXXX BANKRUPTCY ( REMOVED ) XXXX ( REMOVED ) XXXX XXXX ( REMOVED ) XXXX. XXXX XXXX ( REMOVED ) XXXX CREDIT ACCEPTANCE ( LATE PAYMENT REMOVED ) Hello, To Whom It XXXX Concern As Ive been disputing CHAPTER XXXX BANKRUPTCY from my credit REPORT, Since XX/XX/2021 along with other inaccuracies, Such As XXXX XXXX XXXXXXXX XXXX  XXXX AND XXXX XXXX Ive also filled multiple complaints do to this same reasoning. In results to the complaint I still havent received the satisfactory results I need. Such as investigating the inaccurate accounts, and removing accounts once it comes back as unverified. The companies listed above are also refusing to READ, and accept the certified documentation supporting my disputes. The companies XXXX, XXXX, EXPERIAN, AND XXXX. Are constantly refusing to update my credit file, nor are they using my supporting documentation for evidence. They are refusing to communicate with each other/creditor. Informing me I should dispute the inaccurate accounts directly through the creditor. In results to me disputing the inaccurate accounts DIRECTLY with the creditor. I received more than a few documents stating I do no owe on any accounts listed above. Chapter XXXX bankruptcy has also came back as unverified, and I was NEVER LATE ON CREDIT ACCEPTANCE ACCOUNT. I dont think its fair for XXXX XXXX XXXX XXXX XXXX XXXX AND EXPERIAN XXXX TO LIE AND SHARE WITH THE CFPB STATING THEIR STILL WORKING ON SUCH DISPUTES. BUT IN THE MEANTIME INFORMING ME THE ACCOUNTS ARE VERIFIED AND WILL NOT BE REMOVED. As their is nothing to work on they just need to complete their job and update my credit report As Ive already provided correct documentation multiple times. STATING THE REMOVAL OF UNVERIFIED ACCOUNTS. Today on XXXXXXXXXXXX I was told by EXPERIAN REPRESENTATIVE THEYll continue to report the inaccurate accounts, and refusing to delete the accounts, until THE CREDITOR XXXX, XXXX, XXXX XXXX CONTACT THEM, although the companies are refusing to communicate with each other, and delete the inaccurate accounts. This is not fair as Im the little guy, and the big companies are getting away with lieing to the CFPB, and not doing their job I should not have to constantly file a complaint after complaint.
Product: Credit reporting or other personal consumer reports

Identity theft inquiries need to be removed. proof attached previously. 
Accounts closed by me once realized situation. XXXX not even opened for a month. 


XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence 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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts Ive marked as inaccurate following include late XXXX  XXXX payments, close accounts and a collection from XXXX on XXXX XXXX, equifax and Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enclosed is a copy of the lawsuit that I filed against you in XXXX court on XX/XX/2018. Currently, the Pretrial Conference is scheduled. 

The lawsuit was filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation. 

Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization. 

Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed. 

You may contact me before court via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file. 

I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation. 

I have already won a similar lawsuit. Enclosed is a copy of that settlement. If you accept the same terms as XXXX  did, then I will dismiss my lawsuit against you and you will not need to appear in XXXX, New York. 

The items to be removed from my credit report are listed as follows : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open ANY account with " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX, ( XXXX ) XXXX '' nor did anyone in my household or any of my relatives. XXXXXXXX XXXX  and XXXXXXXX XXXX and Experian 's credit reports showed this account as open in my name and showed that I owed {$7900.00} but this is WRONG. I disputed this with XXXX XXXX XXXX, XXXX, and XXXX. on XX/XX/2023, XXXX investigated ( File Identification Number : XXXX ) and XXXX XXXX XXXX  verified the account as accurate when it was not. XXXX XXXX XXXX account was fraudulently entered in my name ; I have never opened such an account. This account must be removed from my credit report and my name must be removed from this XXXX XXXX account.
Product: Mortgage

We are applying for our loan refinancing since XXXX in Navy Federal Credit Union. Until now we havent closed and we contacted our loan processor for the past few days on XX/XX/XXXX and XX/XX/XXXX through their customer service to provide us an update on where are we in the process. The last time we have heard from her was XX/XX/XXXX. We were informed that nothing is required from us and that it was ready to be submitted to the underwriter. She even said that we will hear from her in the following week meaning after XX/XX/XXXX. Despite of our resiliency, our attempt to get hold of the processor, we were never provided with an update. 

Prior to XX/XX/XXXX, there were series of emails that we sent to her to provide us an update but she never replied in our email. It was in XX/XX/XXXX that she spoke to us. Our loan refinancing has been more than 115 days and Navy Federal has been so slow in processing our loan application. I was told by the customer service representative that the loan processing could be take 120days. We felt that we are being overlooked despite of our proactive approach in providing what is needed to close. We are navigating in uncertainty and we desire to protect our family by being resilient but this bank has never understood the proactive approach in conducting business. The loan should not be sitting there left untouched. 

I also reached to customer service to let me talk to the supervisor but did not even receive a call or email to provide an explanation. 

I am writing this complaint so that due attention should be given not only to us but also to the customers out there who experienced the same treatment and let the management of the Bank draw a proper attention. 

You contact me to provide support and details.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Experian, XXXX, XXXX has violated federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

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

These addresses do not belong on my credit report : XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, AE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address my concerns regarding your handling of disputes I have submitted to validate negative accounts listed on my credit report. Despite my efforts to ensure accuracy and compliance with the Fair Credit Reporting Act ( FCRA ), I have encountered significant issues that remain unresolved. 

I submitted disputes several times, requesting an investigation into the listed accounts to verify their validity. Per the FCRA, this process requires the credit bureau to either validate the debt by providing documented evidence, such as an application bearing my signature, or remove the disputed accounts from my credit report. 

However, both TransUnion and XXXX claim to have completed investigations and deemed the debts valid. Despite these claims, neither bureau has provided any supporting documentation or evidence to substantiate this determination. Without such proof, I believe the accounts remain unverifiable and should be removed as required by law. 

This failure to provide evidence undermines the transparency and integrity of your dispute resolution process. Furthermore, maintaining unverifiable negative accounts on my credit report has caused unnecessary harm to my creditworthiness and financial standing.

I request the following actions : 1. A detailed explanation of the investigation process and findings, including any documents reviewed.

2. Immediate removal of any accounts that can not be validated with appropriate evidence.

3. Written confirmation of actions taken.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for failing to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to investigate disputed information on my credit report. 
On XX/XX/year>, I mailed a dispute letter to TransUnion via XXXX certified mail ( tracking number : XXXX XXXX XXXX XXXX XXXX XXXX ), disputing the inaccurate and incomplete reporting of a public record ( XXXX  ) and incorrect personal information on my credit report. 
To verify my identity, I included the following documents : A copy of my government-issued ID A copy of my Social Security card A proof of address Instead of conducting an investigation as required by the FCRA, TransUnion sent me a letter stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response is unacceptable and a clear violation of my rights under the FCRA. According to the FCRA, if the accuracy or completeness of any item of information in a consumers file is disputed, the credit bureau must conduct a reasonable reinvestigation to determine if the information is accurate and complete. 
By refusing to conduct an investigation, TransUnion has failed to comply with its legal obligations under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my reports there is a closed account with huge amount of missed payments. AMEX Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA AMEX has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I divorce my husband and in the settlement he was awarded full responsibility of the Bank of America, The problem is that Bank of America refusing to deleted this from my credit report. My X husband has passed away that was in XX/XX/XXXX since then this bill has shown up my report. I believe that his son might be using card with that would be fraud again still not on me. I have attached my divorce papers so you can see this is my account nor do I have any financial responsibility for it
Product: Checking or savings account

I opened a claim on XX/XX/2024 for fraudulent charges on my debit card that I discovered from the same company for about {$6000.00}. On XX/XX/XXXX, they closed out my claim and I called them up and they didn't give me a reason why it was closed. They just said they can't do anything about it or reverse it.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any ITEMS that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$5000.00} XXXX XXXX XX/XX/2023 ; XXXX XXXX  XX/XX/2023.
Product: Bank account or service

My husband had an account with Sun Trust I cosigned on. We never had XXXX dollars in the account at any point however they have filed something with the court saying I owe them XXXX dollars. First problem never had that much money in the account to withdraw second how did an account he was primary on become solely my account and they put it on my report and have a judgement filed against me.