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

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  Inquiry Date : XX/XX/2020 XXXX XXXX XXXX Inquiry Date : XX/XX/2020 XXXX XXXX Balance : {$0.00} XXXX Inquiry Date : XX/XX/2020 XXXX XXXX Inquiry Date : XX/XX/2020
Product: Credit reporting

Transunion failed to follow Fair Credit Action 605b and block the info that is the result of id theft. This is my 4th request and I am including the FTC Theft form completed, Police Report, Drivers License, SSN card and proof of residence! Please block the XXXX XXXX account it is a result of ID Fraud!!!!!!!! Please review all attached documents and the FTC is n't signed because its an automatic report to the police I did but the police report is included as required under FCRA Section 605b.
Product: Debt collection

I was aggressively pursued by a deputy who came to my place of employment to serve me with papers for Debt owed that I am unaware of or the Debt owed is well beyond the Statues of Limitations for the State of LA ( 3 years ). XXXX XXXX is stated as the company owed in the papers received with XXXX Attorney, XXXX collecting the debt on their behalf. 

I have never been contacted or received paperwork in the past to indicate this debt was owed yet I have been humiliated in front of my fellow coworkers by being served by a Deputy I have in the past deputed with 3 Credit Bureaus the information on my record only to be harassed by the 3rd party collectors who are collecting for these companies. 

The paperwork ask that I ay {$7400.00} plus 5.75 % interest from the Date of Judgment - XX/XX/20 plus 25 % principal and Interest and all court costs subject to a credit of {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX/XXXX/2025 Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on XXXX MTR Account To Whom It May Concern : I am filing this formal complaint regarding the inaccurate reporting of late payments on my credit report for the XXXX MTR account, as detailed below. Despite disputing this information multiple times ( letters dated XXXX/XXXX/2024, XX/XX/XXXX, and XX/XX/XXXX ), the inaccuracies persist in violation of the Fair Credit Reporting Act ( XXXX  ) and other federal regulations. 
Account Details : Creditor Name : XXXX MTR Account Number : XXXX High Balance : {$15000.00} Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX and Equifax XXXX Closed Date : XX/XX/XXXX ( XXXX ), -- ( XXXX and Equifax XXXX Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax XXXX Balance Owed : {$0.00} Account Status : Closed ( XXXX and XXXX ), Paid ( Equifax XXXX Payment Status : Current Creditor Remarks : Closed ( XXXX ), Closed or paid account/zero balance ( Equifax ) Issue XXXX : The late payment reported for XX/XX/XXXX is inaccurate, as shown in the two-year payment history on my credit reports. All three credit bureausEquifax, XXXX, and XXXX reporting a XXXX late payment for this date, despite the account showing a history of timely payments and being closed in good standing. 
Additionally, there are discrepancies in the account information across the XXXX credit bureaus : Date of Last Activity : XXXX reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, and Equifax reports XX/XX/XXXX. 
Closed Date : XXXX reports XX/XX/XXXX, while XXXX and Equifax leave this field blank. 
Account Description : XXXX and XXXX describe the account as individual, while Equifax specifies Closed or paid account/zero balance. 
These inconsistencies and the incorrect late payment notation demonstrate clear violations of FCRA requirements. 
Violations : XXXX XXXX XXXX XXXX : Credit reporting agencies must ensure the accuracy of information in consumer files and conduct reasonable investigations when disputes are filed. This has not been upheld, as evident by the continued inaccuracies. 
XXXX XXXX XXXX XXXX ( TILA ) : Creditors are required to provide periodic statements at least 21 days before the due date, which appears to have been neglected. 
XXXX XXXX XXXX XXXX ( b ) : Credit reporting agencies must maintain maximum possible accuracy in consumer reports. 
Desired Resolution : XXXX removal of the inaccurate late payment notation for XX/XX/XXXX from my credit reports. 
Correction of all discrepancies in the account details across all three credit bureaus. 
Written confirmation of the corrections made. 
Failure to resolve this matter promptly will leave me no choice but to escalate my complaint, including seeking legal remedies and filing additional complaints with relevant agencies. I trust that Equifax, XXXX, and XXXX will take immediate action to enforce compliance with federal regulations. 
Thank you for your attention to this matter. I look forward to receiving confirmation of the resolution within the legally mandated timeframe. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On or around XX/XX/year> I opened a Business Checking account at the nearest Chase Bank located at XXXX XXXX XXXX XXXX, XXXX FL XXXX, with a Check for the amount XXXX and a Chase debit business card was sent to me a few week later, when I tried to access the funds at the same chase branch a representative from chase informed me the account its been suspended due to no able to verify with the owner of the check to make sure the fund were actually legit, I asked to talk to someone from the branch and I was assigned to a branch personnel at which at this point she called Chase fraud customer service and informed me that the account have been closed and they couldnt get in touch with the owner of the business check that issued the check. They advised me two of two option, the first one was to place an stop payment of check or the second option is to have the owner of the check to update his contact information in order for Chase to verify the check was actually issued to my company XXXX XXXX XXXX XXXX ) I spoke right after with the owner of the check and he started the process of contacting his phone carrier and make sure that the check name was under his phone number, He also contacted XXXX to place an stop payment on which after a few days, XXXX informed him that the funds have cleared his account and that Chase Bank now has those funds. On or around XX/XX/XXXX XXXX received a letter from Chase Bank advising me of a negative balance of the account, since the account was already closed, I have been in contact with Chase after that like 5 occasions and they continue telling me that the phone number shown in his database doesnt Match the phone number that I also provided to Chase in order to verify with the owner of check. I went to two more Chase branches accompanied by the company owner who issued the check to my company and a Chase manager at the branch located at XXXX XXXX XXXX XXXX, XXXX FL XXXX after speaking with him and identified the identity of the checks owner, the Chase manager initiated a formal complaint that generated a call from Chase customer services about a week later on XX/XX/year> where she informed me that she will be investigating further, after couple of days later I received another call from XXXX and after going over the whole situation, she informed that the fraud department from Chase was not able to do anything again until the were able to talk to the owner of the check with the phone number that Chase has in the data base. This really frustrating to me and my family since we are not able to get access to these funds.
Product: Mortgage

Our loan recorded and originated on XX/XX/XXXX. We signed a HELOC NOTICE TO BORROWERS stating we would not receive the unfunded portion of our loan until the loan is sold or for ninety days, whichever is longer ( XX/XX/XXXX ). The loan was sold to Specialized Loan Services on XX/XX/XXXX and they became the servicer as of XX/XX/XXXX. Specialized Loan Services is in breach of our contract and after speaking to 8 different representatives, they will not transfer me to an escalation manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. It was a few years back. But I don't recall the dates. I know there was an upfront fee then recurring fees. I think it was around XXXX.
Product: Debt collection

On XX/XX/XXXX I reluctantly paid MRS BPO LLC, {$16000.00} to " settle '' a debt from XXXX XXXX XXXX XXXX. I received a letter ( attached ) that stated " You will be released of any further obligation to XXXX XXXX XXXX XXXX ''. 

On XX/XX/XXXX I received XXXX letters from MRS BPO , LLC stating that I owed XXXX XXXX XXXX and was offered to settlement options. 

XXXX ) I feel as though I was deceived back in XXXX as I was told an amount to settle that would eliminate any further actions. 

XXXX ) I want to be fully compensated for any amount I paid if I was forced to pay under pretenses and also be compensated for the harassment of MRS BPO , LLC.
Product: Credit reporting

I paid XXXX ( XXXX 's XXXX ) the balance of the account in the amount of {$880.00} on XXXX/XXXX/16. I showed proof with the receipt and the debt is still showing on all my credit reports. I called the office and was informed that the debt would be deleted but it is still showing charged off in the amount of {$1900.00} on my credit report. The debt was paid in full. The person who took my payment name is XXXX. Receipt number XXXX.
Product: Credit card or prepaid card

I booked tickets with XXXX XXXX XXXX. The airline canceled my flight because of the Covid 19. There were 2 charges for {$220.00} each, total amount XXXX. I disputed the charges. On XX/XX/20 I received a letter from the bank that a credit was issued on my account for {$220.00} x 2. The amount of credit I received on XX/XX/20 was {$220.00} and {$73.00}, not the full amount that the letter indicates. The dispute was ruled not in my favor and the credit card company is asking for the money back. They are asking for the full amount, ( {$220.00} x 2 ), not the amount I received ( {$220.00} and {$73.00} ). They are trying to collect the difference {$140.00} which I do not owe to them. I made at least 4 calls to the credit card company, the agents that I speak with see the issue but the charge is not being removed. One of the agents name is XXXX, id XXXX. I have nothing in writing from the bank that the issue is being addressed.
Product: Credit reporting or other personal consumer reports

I did not authorize following inquiries showing on XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard inquires on credit file. Submitted report and inquiries still on file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX  XXXX {$640.00} XXXX  XXXX {$6800.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX {$600.00} XXXX XXXX   XXXX {$560.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$3200.00}. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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 of receipt.
Product: Credit reporting or other personal consumer reports

I've found erroneous information on my credit report, which falls under the jurisdiction of 15 USC 16c-2. This inaccurate information is harming my credit score. I did not authorize the inquiries listed.
Product: Debt collection

I have never done business with this company. I also Did not receive notification that a debt was owed for emergency medical care received. Debt was reported on credit report with date opened XX/XX/XXXX. Medical care was received in mid XXXX. The No Surprise Act passed by Congress XXXX  states that medical debts with in a year time can not be placed on credit reports. The No Surprises Act also protects people covered under group and individual health plans from receiving surprise medical bills when they receive most emergency services, non-emergency services from out-of-network providers at in-network facilities, and services from out-of-network air ambulance service providers. It also establishes an independent dispute resolution process for payment disputes between plans and providers, and provides new dispute resolution opportunities for uninsured and self-pay individuals when they receive a medical bill that is substantially greater than the good faith estimate they get from the provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my pervious first second third reques, I wrote to you requesting an investigation into items that I believed were INACCURATE AND UNVERIFIED. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address Transunion 's failure to properly investigate and resolve fraudulent items on my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Despite submitting all necessary documentation, including an FTC Identity Theft Affidavit # XXXX, Transunion reinstated fraudulent accounts without providing a valid reason. 

These fraudulent accounts consist of a credit car opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card opened at XXXX on XX/XX/XXXX under the account number XXXX, and a loan opened at XXXX on XX/XX/XXXX under the account number XXXX. 

Transunion has also failed to process my disputes under FCRA 605B and has not disclosed their method of investigation as required by FCRA 611 ( 15 U.S.C. 16811 ).

I demand the immediate removal of these items within four days of receipt of this complaint to ensure compliance with federal regulations. I've attached all required documents for you to properly process my request in accordance with FCRA 605B. |
Product: Credit reporting or other personal consumer reports

I am filing a complaint against EQUIFAX for failing to provide the method of verification for multiple disputed items on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) under Section 611 ( a ) ( 7 ). Despite my repeated requests, EQUIFAX has continuously refused to provide the required documentation or method of verification, instead responding only with a generic " verified '' statement. This failure to substantiate verification violates my rights as a consumer. I request that the CFPB require EQUIFAX to remove all negative items that they have failed to verify according to FCRA guidelines. Details of Violation : Lack of Transparency : Despite my repeated requests, the credit bureau has failed to disclose the method of verification, which is a right under FCRA 611 ( a ) ( 7 ). Failure to Remove Unverified Information : Since they are unable or unwilling to show how the information was verified, I am requesting the removal of this unverifiable items from my credit report. I respectfully request that the CFPB enforce compliance with the FCRA and require EQUIFAX to REMOVE the disputed negative items and late pyments from my credit report if verification can not be adequately substantiated.
Product: Debt collection

I took out a loan at the end of XXXX to go to XXXX XXXX through XXXX XXXX. After graduation, I was hired by the school and I worked for XXXX years for them. In agreeing to the XXXX years they took over my accounts and paid my loan/tuition in full to XXXX XXXXt. XXXX - XXXX my loan ( which had been paid in full ) was transferred to Kinum debit collection. They contacted me and tried to collect this debit. After the first phone call, I reached out to XXXX XXXX and was assured they paid any remaining debts. XXXX XXXX XXXX XXXX  years ago this showed back up on my credit report that I still owed Kinum the whole amount of my original loan plus interest. I disputed this through XXXX and appx XXXX days later this was removed from my credit report and I have not heard anything from Kinum since XXXX Appx XXXX  month ago on my XXXX credit report this same account returned to my report showing owing a new balance and that nothing had been paid since XX/XX/XXXX. This account had been paid in full back in XXXX. I tired to contact Kinum they asked me for proof of payment, I emailed them all the documents I have from XXXX XXXX and XXXX XXXX showing the debit being paid in full, and since then Kinium has not answered any phone call from me, and the male I had been talking to " no longer works there. '' I don't know what to do anymore. This debit was paid in full years ago. I don't know why it is back on my credit report. Kinum refuses to talk to me. This was paid in full by a contract I signed and fulfilled back in XXXX.
Product: Student loan

Im being forced to pay for a signature loan, that I did not need, did not request for, and did not sign for. I graduated in XX/XX/XXXX. By XX/XX/XXXX started receiving promissory notes about the loan, which at that time was over forty thousand dollars.After the Pell Grant and other grants, my responsibility would be {$9000.00}. I contacted the university, by way of the XXXX XXXX XXXX. The response was evasive, and I was inform that the loan was for a girl name XXXX. I seriously felt that they would clear up the mistake, but they didnt. From XX/XX/XXXX -XX/XX/XXXX received more calls about repayment. By XX/XX/XXXX I was close to 200,000 in debt. At this time they were still Sallie Mae. By XX/XX/XXXXI have filed bankruptcy chapter XXXX. After receiving a bankruptcy discharge, this is when I learned of Navient, when I looked at my credit report, I saw that Sallie Mae, and Dept of ed, and NAVIENT had been included in bankruptcy, my ccredit report also reflected the same information. Also it stated that the loans where no to be collected, sold, or transferred. Yet, as Navient, they transfered six of those account. All came about, due to school misconduct, such as forging signatures and falsifying documents ( source U.S. Supreme Court ) .navient has sense then taken one loan and broke it down into 6 individual loans to purposely damage my credit. {$8300.00}, {$4400.00}, {$8700.00}, {$2200.00}, {$5900.00}, $ XXXX= {$34000.00} ; which they are now saying is close to $ 60k.Navient has failed to resolve the issue.they will not send original information in reference to the accounts, thus who requested it? who signed for it? Not even would they say where they sent the money. I have asked them to remove the balances of my credit due to the bankruptcy discharge, which they honored. But when I go on their web site, it only shows one account. I current have that account on hold due to barrowers defense to repayment due to school misconduct.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> The Credit bureaus stated account XXXX XXXX, Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last activity is inaccurate, and date last reported is not accurate. This is ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The Law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage due to malpractice while several laws were being broken under FCRA by your company. This has caused the financial injury, defamation of character, unable to get a job, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are indirect violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law! The dates on the accounts that need to be remove are reporting different dates, that is a huge FCRA violation. Thank you for understanding these violations and these inaccurate fraudulent accounts that do not belong to me.
Product: Credit reporting or other personal consumer reports

I have sent updated personal information to experian, XXXX, XXXX, about this address being reported inaccuracies like this ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. ) I have never lived at this address. Please delete this address from all XXXX reports. 

1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( inaccurate reporting, delete it now. ) 2 ) XXXX XXXX XXXX XXXX XXXX XXXX ( inaccurate reporting, delete it now. ) 3 ) XXXX XXXX XXXX XXXX XXXX ( never been late, delete now. ) 4 ) XXXX XXXX XXXX XXXX XXXX ( inaccurate reporting, delete it now. ) 5 ) XXXX XXXX XXXX XXXX XXXX XXXX ( inaccurate reporting, delete it now. )