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

I submitted a dispute by Certified Mail to TransUnion regarding inaccurate information on my credit report. TransUnion responded by sending me a copy of my credit report, which confirms that they verified my identity at that time. 
Instead of processing my dispute, TransUnion falsely claimed that my dispute did not appear to come from me and refused to investigate. 

I have tracking proof that TransUnion received my dispute and I am re-submitting my dispute with additional ID verification to eliminate their excuse for delaying the process. 

This is a clear violation of my consumer rights under FCRA XXXX, which requires credit bureaus to investigate disputes submitted by consumers, regardless of the method of submission. 

ATTACHED IS THE CREDIT REPORT THEY SENT ME THE FIRST ROUND XX/XX/2025 then came back with FALSE Accusations after I disputed for method verification and lied and said that this is not me sending in the paperwork, but if you couldnt identify me the first time why would you send my credit report? WHY because I sent all the information that I needed AND THEY DID VERIFY ME, THEY JUST DONT WAN NA INVESTIGATE MY DISPUTE, WHICH IS AGAINST MY RIGHTS! attached is my certified letter receipt the credit report that transmission sent me and the lie they sent me also. This is causing physically mentally emotionally financially stress
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2022 of XXXX I decided to review my credit report and noticed inaccurate information. I asked for the information to be removed and till this day nothing has been updated.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft due to a recent data breach. As a result, several unauthorized accounts and inquiries have appeared on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete the following fraudulent accounts and inquiries from 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus state my account was properly investigated but how is that possible if the account type - detail is inaccurate, the date opened inaccurate, the high credit inaccurate, the credit limit is inaccurate, the payment status is inaccurate, the last reported is inaccurate, the comments inaccurate, the date last active is inaccurate, the date of last payment is inaccurate, and the 2-year ledger is inaccurate. 

The credit bureaus have violated my rights as a consumer under the following : 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. 

This has been disputed numerous of times and it has been way over 30 days and still on my consumer report. 

Disputed XX/XX/22 Disputed XX/XX/22 Disputed XX/XX/22 Disputed XX/XX/22 Disputed XX/XX/22
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My Chase checking account was closed in XX/XX/2022. It was closed due to a negative balance. I received a check from a case settlement in that account XX/XX/XXXX. Now I recall when a checking account is closed that any money delivered to the account should be sent back. This was not a payment for my balance due in which they knew that. I was not notified that the deposit was even put in my account and now they refuse to return the money! They have applied the money to the balance and refuse to return it.
Product: Debt collection

The debit is from prior to XX/XX/XXXX. XXXX XXXX from Tate & Kirklin, who is collecting on behalf of The Bureaus, disputed this with me so I requested documentation proving the age of the debt. The only thing they provided was a old credit card statement from XX/XX/XXXX that shows a prior balance and interest owed. 

I called XXXX back to tell him the document has no proof of date of purchase, he replied " I know but that's the only documentation we have ''. I went on to remind him that the debt is greater than 7 years old and he said he knew that and said he told that to The Bureaus. I told him this needs to be removed from my credit, he said Tate & Kirklin can't do that I needed to contact The Bureaus and gave me the phone number. He went on to say he would note in my account again that this item is in dispute due to statute of limitation being expired. 

I tried calling The Bureaus but I can never get a person because their phone lines are always full. Instead, I get a voicemail to leave my name and number for them to call back, but they never call back. 

I find it interesting that these companies can negatively impact a person 's credit but don't have to take any action to correct it in a timely manner once proven wrong. We, the individuals impacted, have spend hours trying to find someone to talk to only to get no where because no one mandates them to follow the law. 

In this case, The Bureaus bought the old debt from XXXX XXXX ( who already sent me a letter stating that the debt was too old to collect and therefore being removed from my credit ). The Bureau then hired XXXX XXXX  XXXX to collect on their behalf but they can't do anything to solve issues so back to The Bureaus I must go. This is a broken cycle of voice prompts, nasty - disrespectful individuals, unethical companies and no resolution to something that impacts ones entire life.
Product: Debt collection

Every time I answer the phone usually at XXXX the woman screams my name. It's very startling. She continues to yell over the phone at me talking to me as if she knows me or is someone I know. She doesn't make it clear she works for a debt collector right away. Her tone and volume of voice are very threatening and she sounds angry. Screaming into the mic at me the second I pick up the phone is harassing me.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts to rectify inaccuracies in my credit file. Despite repeated efforts, the incorrect address and unauthorized inquiries persist, negatively impacting my credit report. 

I initially submitted a dispute, and since then, I have tirelessly attempted to correct the inaccuracies through your established dispute resolution processes. Regrettably, these efforts have been met with little success, as the issues remain unresolved. 

My credit report continues to display an inaccurate address that is not associated with my current or previous residences. This misinformation poses a threat to the integrity of my credit profile and may lead to further complications, including potential identity-related issues.

There are multiple unauthorized inquiries on my credit report that I have not initiated. These inquiries are not only inaccurate but also raise concerns about the security and privacy of my personal information. 

I have submitted the required documentation, followed the appropriate procedures, and communicated with your representatives on numerous occasions, providing all necessary details to rectify these errors. However, despite my persistent efforts, the issues persist. 

I request an immediate and thorough investigation into these matters. I insist on the prompt removal of the inaccurate address and unauthorized inquiries from my credit report. Additionally, I expect a detailed written explanation for the continued presence of these errors and the measures being taken to prevent their recurrence. 

These inaccuracies are not only affecting my creditworthiness but also causing undue stress and inconvenience. I trust that Credit Bureaus takes these concerns seriously and is committed to providing accurate and reliable credit information to consumers. I am asking for your assistane to remove the fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX  XXXX, MO, 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
Product: Debt collection

I have attempted several times in writing to communicate with the company and ask them to furnish my signature proving I owe the debt. I have gotten no response from this company to show validity of this debt. I have waited over 60 days with no repsonse
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate 30-Day Late Payment Reporting XX/XX/year> Dear XXXX XXXX Dispute Department, I am writing to formally dispute the 30-day late payment that your company has reported on my credit file for XX/XX/year>. After reviewing my credit report, I found this information to be inaccurate, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, which requires furnishers of credit information to report only accurate and verifiable information. 

Under the FCRA 1681i ( a ) ( 1 ), I am requesting that you investigate and provide documentation supporting this late payment claim. If you can not verify its accuracy with proper records, I demand that it be removed immediately from my credit report to comply with federal law. 

Additionally, per FCRA 1681s-2 ( a ) ( 1 ) ( B ), a creditor is prohibited from reporting information that it knows or should know is inaccurate. If you can not substantiate this late payment with clear and legitimate records, continuing to report it would be considered willful noncompliance with federal regulations. 

Please take the following actions within 30 days, as required by law : 1. Conduct a full investigation into this reporting. 
2. Provide written documentation proving the accuracy of the late payment. 
3. If the late payment can not be verified, immediately request its deletion from all three major credit bureaus ( XXXX, Equifax, and XXXX ). 
4. Provide me with a written confirmation of the results of your investigation. 

If this issue is not properly addressed, I will have no choice but to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

Please respond in writing to confirm receipt of this dispute and provide updates on your investigation. I appreciate your prompt attention to resolving this matter. 

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

I filed a dispute with all 3 credit bureaus. The incorrect information was not changed on my credit report. I emailed PRA on XX/XX/2019 letting them know that the account needed to be removed and informing them of the correct information. Still after this the account came back to the credit bureau as correct. PRA is reportint two accounts on my credit incorrectly. One for {$550.00} and the other for {$1300.00}. They are reporting seriously past due as a payment status and they are not an OC. They are a debt collector. Collectors can only report collection accounts. They are reporting a past due amount and they are a debt collector. They are reporting terms of 1 month. I have never agreed to terms with this company as they are a debt collector, no such contract exists and debt collectors can't report open terms. They are also reporting failed payment history. There is no payment history as they are a debt collector not an OC. These two accounts need to be removed from all 3 of my credit reports as I have notified the companies of their violations and they have refused to fix them. They are also reporting that they are correct. They are updating failed payments monthly which is also a violation as they are a debt collector and are causing further damage to my credit. I mailed documentation to them XX/XX/2019 showing the inaccuracies with a letter asking them one last time to correct these immidiately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigation '' and other unlawful practices. These practices, as outlined by the CFPB include : Conducting inadequate investigations that fail to address disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetrate the inclusion of inaccurate information on credit reports. 
I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Mortgage

My home is currently in the foreclosure process. Wells Fargo sent me an enticement that essentially asks me to make 3 more monthly payments before they will see if I am eligible for any other loan modification. Asking me to make 3 more payments before they will see if I qualify for any other loan modification is unconscionable and predatory.
Product: Debt collection

This is a complaint from XXXX XXXX against XXXX XXXX , XXXX  and Westlake Services LLC for improper communication tactics and repeatedly repossessing my vehicle when I was not in default on the debt. 

On XX/XX/2018, we purchased a vehicle from XXXX XXXX XXXX for {$11000.00} ( VIN XXXX ). We financed the purchase through XXXX XXXX , XXXX. Over the next 9 months, we made our regularly scheduled payments. I understand that at some point during this time, XXXX lost its legal status in Arizona and the debt was passed to Westlake. 

On XX/XX/2018, the vehicle disappeared. We thought it had been stolen ; but as it turned out, XXXX/Westlake had sent a tow truck to repossess it. Because of the disorganization of XXXX/Westlake, we did not get the car back until XX/XX/2018. 

A Westlake representative informed me that the car had been repossessed because of a clerical error. Apparently their computer system showed another debtor as the owner. Because that debtor was in default, my car had been taken instead of his I was offered no remedy, and was assured that the problem had been fixed and there would be no further confusion. 

On XX/XX/2018, the car was again repossessed. Once again, XXXX/Westlake seemed confused and did not know the location of the vehicle. We were given no assistance in locating the vehicle, and had to do all the legwork ourselves to track it down. Fortunately we were able to retrieve the car the next day. We were once again informed that, there had been a mix-up with our vehicle and another debtor 's debt, and offered no remedy. 

Since the second repossession, we have been hassled by Westlake representatives with nonstop calls. We informed them of the mix-up between debtor accounts, but they will not listen. We told them that we had retained an attorney, but they refused to talk to him. We have asked for assurance that the money we pay toward the debt is going toward our debt, but they will not provide this documentation. 

We need assistance clearing up this problem. We have missed work because the vehicle was taken and live under constant stress because we are being hassled with dozens of calls from Westlake every day. We are scared that Westlake is going to repossess the vehicle again. We don't even know if our payments are paying down our debt or not.
Product: Credit reporting or other personal consumer reports

inaccurate Reporting of information 15 U.S. Code 16815-2. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors ( a ) Reporting information with actual knowledge of errors A person shall not furnish 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) The information is, in fact, inaccurate. 

Duty : a moral or legal obligation ; a responsibility Accurate ; correct in all details ; exact Prohibition : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Canceled or Charge off is Income. The reporting of this account as a debt is inaccurate. 

15 USC 1681 5-2 Says you, Exeter Finance Corp , is a furnisher of information to a consumer reporting agency. 

You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ inaccurate information immediately.
Product: Checking or savings account

I called JP Morgan and  chase  on  XXXX / XXXX / 2017  where they mysteriously told me that my account is closed and they can do it anytime at their discretion which is true but if they had closed the account I called in on  XXXX / XXXX / 2017  to send in a wire of {$220000.00} as I work for an international company and it 's on record they gave the account details including the  XXXX   code  and all whereas they could 've simply told me the account is closed. They have even blocked my funds amounting to {$9300.00} without my approval. I would request urgent assistance as these are the only funds I have access to.
Product: Credit reporting or other personal consumer reports

I have called the attorneys office that they provided and I havent gotten any response back and its been days. I really need this to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested a copy of my credit report and noticed and account I have no knowledge of
Product: Credit reporting or other personal consumer reports

regarding concerns about my credit report. I recently discovered that my personal information was compromised in a data breach, which I believe has resulted in unauthorized and inaccurate entries on my credit file. 
I'm requesting that all negative and derogatory marks, including late payments, collections, and unauthorized hard inquiries, be thoroughly reviewed and removed immediately. These items are not accurate and are a direct result of fraudulent activity due to the breach. 
I would appreciate it if you could prioritize this matter and ensure these entries are resolved within four business days. Please let me know the steps required on my end to assist in expediting this process.
Product: Debt collection

During a recent review of my credit file, I discovered a collection account that had just been added to my report. On XXXX XXXX, 2015 I contacted the collection agency via certified mail, to request debt verification. I received a response on XXXX XXXX, 2015, which contained a printed statement from the original creditor. The printed statement does not show my correct name or address. I contacted the original creditor with regards to the debt, and was informed that the only identifying information on file was a name and address.The agency did not provide any competent proof whatsoever that I am indeed the party responsible for this debt.
Product: Mortgage

Nationstar/Mr. Cooper added an escrow payment to my mortgage some months back and have yet to remove it causing me to pay an additional {$300.00} a month. 
The reason I'm complaining is there were never any taxes owed on my account with the city, the city even rejected the payment Mr. Cooper sent stating in a letter to Mr Cooper that " we reject this payment because there are no taxes owed on this account '' Instead of removing the escrow then, Mr Cooper keeps it on my account and continues to collect an extra XXXX a month from me ; I pay it because if I don't they will say I defaulted on my payment. 
This has been going on since XX/XX/2021 and till today they still are applying an additional {$300.00} a month to my mortgage. 
When I called today they said the City and County of XXXX XXXX has still not returned the payment, when the City and County of XXXX XXXX doesn't return checks, they destroy them as told to me by the clerk at XXXX XXXX tax office and the fact is they never received the payment from Mr Cooper because the county rejected it in the first place as the account was in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a collection from XXXX and XXXX and a collection from XXXX that appear on my credit reports numerous times for Identity Theft. I have a notation on my credit reports that this occurred. I found out from a previous employer that someone had been using my full identity for many months and had gone as far as filing an unemployment claim with the state of Illinois against my employer. The State of Illinois investigated and found that this was indeed Identity Theft. At that time, they advised that they had handled the issue, notated my records and I did not need to file a report with the local police. Since then, I have found out through my credit reports that that there were multiple loans and credit cards taken out around this same time using my stolen drivers license, social security card, and employer information and most of them were investigated and found to be due to Identity Theft and removed. However, these two continue to remain. Attached is a copy of the fraudulent unemployment claim that spanned from XXXX through XXXX. Please help.