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

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXXXXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$4200.00} ; XXXX XXXX XXXX Balance Owed : {$9100.00} ; XXXX XXXX XXXX Balance Owed : {$19000.00}.
Product: Credit reporting or other personal consumer reports

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts :, DISCOVER BANK number : XXXX date XX/XX/year> XX/XX/year> XXXXFurthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting incorrectly ( 120 ) days late on XXXX   XXXX. ( Please see attached spreadsheet with account number along with pages 7 13 of my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.
Product: Credit reporting or other personal consumer reports

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a quarantee that my consumer rights will be respected moving forward
Product: Mortgage

What happened... 

My loan company inadvertently disbursed {$5200.00} for taxes on XX/XX/XXXX, even though the parcel is exempt ; they said their tax vendor had the incorrect parcel number on file. As a result, an escrow account was placed on my account. From XX/XX/XXXX to XX/XX/XXXX, after calling them 13 times to solve this issue and filed a complain at CA DFP, they finally sent me a letter saying the escrow account has been closed and they have confirmed the refund with the tax vendor in the amount of {$5200.00} was in process. 

They even enclosed for copies of the escrow closing notice too After all this happened, on XX/XX/XXXX, they sent me a statement, it shows, the escrow account is still opened, and my new escrow payment is {$470.00} Please help me. I really had enough of this. 

We want the escrow account to be CLOSED!!! Non escrow on my mortgage Please. 
And I want them to send me the check for the rest of the Balance left on the escrow account.
Product: Credit card or prepaid card

I opened a charge account with XXXX XXXX XXXX on XX/XX/2018 and due to some medical issues I missed XXXX payment
Product: Debt collection

A collection of {$52.00} was placed on my credit report by XXXX XXXX. I contacted XXXX XXXX, the original creditor, who stated I have no current or past due balance with XXXX and they would contact Convergent to remove the entry from my report. This incorrect, negative information is still reporting on my credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach that has resulted in unauthorized accounts and inquiries being opened in my name. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts and inquiries from my credit report : Accounts to be blocked and deleted : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$12.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$790.00} Inquiries to be blocked : XXXX XXXX  XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX  XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX  Date : XX/XX/XXXX
Product: Credit card

I had a XXXX percent promotion on purchase with Chase Band Freedom credit card. I had confirmed with Chase bank that the promotion expires on XXXX XXXX, 2016. I paid the balance in full on XXXX XXXX, 2016. 

Chase bank charged me {$46.00} interest and it claimed the expiration date is XXXX XXXX, 2016 instead of XXXX XXXX, 2016 as it confirmed. 

I contacted Chase and asked it to refund the charged interest, it has flatly refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the 1 of 2 account should be deleted iimmediately XXXX XXXX XXXXXXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX  XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Product: Debt collection

LVNV promised to delete this account from my credit report as the debt was paid through XXXX. I have included the receipt as validation of payment
Product: Payday loan, title loan, or personal loan

I AM INVOKING MY SPECIFIED REMEDY AS THE ORIGINAL CREDITOR AND THE CONSUMER. I have sent a correspondence in response to an email I received from World Finance on XX/XX/XXXX. Within that email they informed me that I owed an " alleged '' debt. This is not so. Pursuant 15 USC 1692c ( a ), a debt collector may not communicate with a consumer in connection with the collection of any debt which World Finance clearly stated in the email they sent me and only the original creditor can validate an " alleged '' debt. Pursuant 15 USC 1692, World Finance is fully aware of the laws that fall under the Fair Debt Collection Practices Act, but fail to comply with the consumer laws by reporting this alleged debt. World Finance has received my correspondence on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I disputed accounts on my credit report that were inaccurately listed with only XXXX and Experian. This has caused undue stress in trying to remove this inaccurate information. This information appears from XXXX and keeps reappearing as a collection with a past due amount. 

In accordance with the fair credit reporting  XXXX XXXX XXXX account # XXXX and account # XXXX has violated my rights, which state that negative and outdated information can not reappear after it is found to be fraudulent and not validated.

15 USC 1681 section 602-A states that I have the right to privacy.

15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent.

I demand that these accounts be removed from my credit reporting file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear TRANSUNION, I XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount owed no longer outstanding for the following item : Party owed : XXXX XXXX  Amount : {$20000.00} Account : XXXX Party owed : XXXX Amount : {$19000.00} Account : XXXX Party owed XXXX XXXX Amount : {$0.00} Account : XXXX Party owed : XXXX Amount XXXX {$0.00} Account : XXXX Party owed : XXXX / XXXX XXXX : {$2700.00} Account : XXXX Party owed : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) Amount : {$230.00} Account : XXXX XXXX owed : XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Amount : {$330.00} Account : XXXX Party owed : XXXX Amount : {$1600.00} Account XXXX XXXX I am Disputing these claim due to : I HAVE NO KNOWLEDGE OF THESE ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 
This is my official request to have the aforementioned item to be deleted off my credit report. In accordance with the fair credit Reporting Act. The list of accounts have violated my federally protected consumer rights to privacy and confidentially under 15 USC1681. 

XXXX : XXXX
Product: Checking or savings account

I had a US Bank Silver Checking account XX/XX/XXXX-XX/XX/XXXX. 
Savings UsBank Package Money Market opened at same time, balance was {$0.00}. It wasn't utilized. 

Statement XX/XX/XXXX - XX/XX/XXXX *US Bank automatically enrollment in overdraft protection. 
- Overdraft Protection Law Violation *XX/XX/XXXX- XX/XX/XXXX Nine 7  fees associated to this violation and Overdraft Protection Law Statement XX/XX/XXXX - XX/XX/XXXX Four additional Overdraft fees XX/XX/XXXX - Closed account fee {$30.00} Total : {$340.00} + {$30.00} = {$370.00} {$370.00} Reported to XXXX XXXX XX/XX/XXXX US Bank automatically connected Savings with {$0.00} balance to Overdraft Protection. 

Overdrafts issued on ATM withdrawal. 

Remove me from XXXX XXXX immediately and pay any fines fees for Violations. 
Admit Fault. 
This has caused me tremendous damages.
Product: Credit reporting or other personal consumer reports

I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Payday loan, title loan, personal loan, or advance loan

Account info Account name - SELF/SOUTHSTATE BANK Account number - XXXX Account type - Secured Loan Action that was taken - Someone literally built my credit just to take out loans and credit cards in my name. I asked the company to remove this from my credit report and to please send me a contract I signed with them. And they only provided me a document that was a forged signature that was not signed by me at all. 

Date opened XX/XX/year>
Product: Credit reporting

Due to the fact that my situation is not above for me to choose from. I am willing to explain it here below. I had the equipment from XXXX after canceling the equipment from my business office. In which ATT, placed my XXXX XXXX in XXXX and i am paying on that service at this time correctly. So, in that case XXXX should be removed from my credit report.
Product: Debt collection

I started an account with a company called Conns. I purchased a lease to buy couch and a stove.i had been paying for over a year and a half. The stove was payed for threw the insurance payed for in full with an additional XXXX dollars added to claim payment. The couch has been more than payed for threw the payments made. I believe the purchase was made in XX/XX/2018 starting balance XXXX The couch was XXXX. XXXX The stove was XXXX. They currently saying I owe XXXX I do not owe them any more money. I was over charged. Robbed
Product: Credit reporting or other personal consumer reports

I received a notice of adverse action on a loan I did not request. I inquired online via XXXX XXXX to explore interest rates but I never intended to request/apply for a loan. I want that credit inquiry and resulting notice of adverse action expunged from any files that have been created and held by XXXX. Also, if the action was reported to any third party ( e.g., Transunion ) I request that the report be rescinded and the record annotated to reflect that I did not apply for a loan from XXXX. Please note that I have contacted XXXX, the credit bureaus, and the XXXX consumer support for assistance in these regards. Please note that I had no intention of applying for a loan from XXXX during my online inquiry of current interest rates. To be clear and for the record, I just want the notice to be rescinded immediately. I am not interested in, and have not applied for, a loan from XXXX. XXXX XXXX XXXX XXXX The company is : Tresl ( Innovative Funding Services ) XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone : XXXX
Product: Credit card or prepaid card

This letter serves as a plead to remove the late payments on my account for XX/XX/2019, XX/XX/2019, XX/XX/2019, and XXXX XXXX was laid off from the ending of XX/XX/2019 to XX/XX/2019. Due to these financial struggles I couldn't oblige to my credit card payments. I have been a faithful customer with capital one for some years now and I called in to explain my situation during these rough times. Once I got back to working, I resumed payments and paid my account down in large sums. As of now these late payments in the past is affecting my credit and preventing me from getting a home, I called the company recently and customer service told.me they can help me if I send in a letter stating my case. I sent in a letter but I am yet to hear a response on this case.
Product: Bank account or service

My wife checks our account everyday before she goes to work. This morning XX/XX/XXXX my wife got a notice saying that we had a restriction on our bank account. when I called and spoke to an XXXX ( XXXX ) and agent he said XXXX had found that I had received an XXXX XX/XX/XXXX and their clause says that if anyone gets a XXXX while being a member they can have their account closed. I did get a XXXX that resulted in XXXX. I started drinking heavily at one point after I came home from XXXX due to XXXX. I am diagnosed with XXXX form the VA and receiving benefits. This happened before we became members of USAA. We have no debt and have all our money ( {$61000.00} ) in this bank. I have all my direct deposites and drafts here. I need to know what is going to happen with our money and if I need to close my account for something that happened a long time ago. Any debt or overdraft charges due to my money being held will be paid by USAA. I need someone to call us immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$4200.00}, XXXX XXXX  XXXX Balance : {$29000.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a formal dispute to Equifax regarding inaccurate accounts on my credit report. The disputed accounts include : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX In my dispute, I cited 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ) and referenced XXXX XXXX XXXX XXXX XXXX, requesting verification or removal of these accounts if they could not be validated. I also included a copy of my government-issued ID and a utility bill to confirm my identity and address. 

Despite being legally required to investigate and respond within 30 days, Equifax failed to provide any response. This is a clear violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies complete an investigation within the required timeframe. 

Equifaxs failure to respond is not only a violation of the FCRA but also a harmful delay in resolving inaccurate information on my credit report. Their inaction negatively impacts my financial well-being and creditworthiness.
Product: Checking or savings account

I had lost my debit card and I never updated with my security system. The XXXX of truist bank in XXXX XXXX updated my information with the security system. I have tried to press fraud charges with the bank but they will not do that. So far my lose is over ninety dallors. I don't understand why this XXXX watches my account. And my money in my account has been messed with for the past XXXX years. I went to the bank and talk with her she said that people change their debit card because they don't want to pay their bill. The male XXXX told me that the company can use the old debit card number to receive money I don't know who she talked to at my security system. I see on my statement that it's listed as a recurring layo that is not true
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U. S. C. 1681c-2 ) that you, EQUIFAX INFORMATION SERVICES LLC reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card 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 XXXXXXXX. These accounts have resulted in several hard inquiries and fraudulent collections and charge-offs appearing on my FICO consumer credit report. The aforementioned accounts, collections, charge offs, appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, charge offs, are a result of identity theft and fraud. I have attached a copy of my FTC identity theft report complaint # XXXX as proof of the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, charge offs, are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/2025 Consumer Financial Protection Bureau Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Consumer Financial Protection Bureau, 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 investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer 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 perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.