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

I have contacted Experian many times to dispute and remove incorrect reporting of XXXX, account # XXXX. As stated on my previous requests, the images provided accurately depicts that a payment was made on XXXX and XX/XX/XXXX. 
This is an incorrect reporting of my account status and clearly a violation of my consumer rights. 
According to the Fair Reporting Act " Accurate Reporting If inaccurate information is discovered in your file, the consumer reporting agency must examine the disputed information, usually within 30 days. IF THE INACCURATE INFORMATION CAN NOT BE VERIFIED, THE CONSUMER REPORTING AGENCY HAS A RESPONSIBILITY TO REMOVE IT. If you are not able to clear up the matter, you are allowed to add a statement to your credit file explaining the situation. 

I have disputed this with the XXXX  under File # XXXX ( XX/XX/XXXX ) and they have NOT CHANGED THE ACCURACY OF MY DISPUTE DESPITE DOCUMENTATION FROM XXXX  CONFIRMING NO LATE PAYMENTS. IN FACT, EXPERIAN ERRONEOUSLY ADDED THE MONTH OF XXXX. 

Again, correct and remove this. 

In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report. If you can verify the information you have listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies. 

I have spoken to XXXX and they informed me they have NOT received any requests from Experian disputing the abovementioned account despite me disputing this item 4 times!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of an account on my credit report that is not mine. The reason I found out about this account is that I was at XXXX today XX/XX/19 trying to get a loan and I was told that I didn't get approved because there was an account reflecting badly on my credit history. I never opened that account nor do I have any relationship or affiliation to that company in any way. I never allowed anyone to open this account on my behalf nor did I ever benefit anything from this account. I did not take part in any transactions that were made with this account and I have already filed a police report in hopes of getting this resolved.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I was told my account would be closed and the remaining balance which is XXXX would be sent as a check, On XX/XX/21 I was told by by XXXX from the escalation team I would be getting my closure check within 3-5 business days, I just recently moved so I was unable to update my address prior to my account closing, I got in touch with chime and inquired to change my address I was told I would have to provide proof of the address change with an ID which I did, MULTIPLE times I was told they would cancel the first check and send out a new check. I received the first check but now its no longer valid because they canceled it, Ive been getting the runaround ever since, theyll say give a few hours to look over the documents and never contact me back, then have the audacity to say I dont qualify for a refund now? THAT DOESN'T MAKE SENSE IF THEY SENT THE FIRST CHECK Im tired of this constant back and forth, its inconvenient PURE XXXX  AT ITS FINEST AND IM NOT HAVING THAT!
Product: Credit reporting or other personal consumer reports

I have disputed fraudulent accounts on my credit and I have even asked for proof and I have mailed them certified letters asking for it and even filed a complaint in the past here and no one sent me anything! They wont delete the fraudulent accounts and this is hindering me from obtaining credit. I need to have these removed. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I disputed these on XXXX and it wasnt taken down. There was other times a well I reported this
Product: Student loan

Hello, there are XXXX late payments on my student loans I am not familiar with. I tried escalating and still no resolution.
Product: Mortgage

I had a difficult time paying online. The people at this company acted so unprofessional and unhelpful. I spent hours talking with different people and no one could even verify that I had previously called. My payment ended up being late and extra charges were uncured. They hung up on me. They promised to call me back and never did.
Product: Checking or savings account

On XXXX XXXX at about XXXX XXXX, I deposited a payment check in the amount of {$460.00} at the Citizens Bank ATM, XXXX XXXX  XXXX, XXXX, MA. 

The ATM accepted the deposit but shut down/ rebooted before returning my ATM card or providing a receipt for the transaction. 

I called to report it to the bank while waiting for the machine to reboot ( approx. 30 min. ) I explained what had happened and was told that I needed to file a claim, and allow 14 business days for the investigation. I declined the process. 

On XXXX XXXX at about 9 am I called the bank branch and spoke with Branch Manager XXXX XXXX. She retrieved the check from the ATM but refused to process it or return it to me. Mrs. XXXX advised me to " contact the writer of the check and have them give me another one. '' The writer refused unless I could return the initial check.
Product: Credit reporting or other personal consumer reports

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXXXXXX AND I WON'T ALOW IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN A FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Vehicle loan or lease

Westlake will not responding to my Disputes that I am responding neither are the credit agencies and I have sent in letters a few times and attached my FTC report!
Product: Credit card

wells fargo merchant services credit card processer our business name XXXX XXXX XXXX BUSINESS CLOSED IN XXXX XXXX XXXX  REFER MERCHANT XXXX XXXX PHONE XXXX XXXX XXXX XXXX XXXX  THEY HAVE CHARGED MY BANK ACCOUNT ( EVENTHOUGH MY BUSINESS IS CLOSED AND I HAVE INFORMED THEM. ) {$35.00} XXXX XXXX XXXX {$35.00} XXXX XXXX XXXX {$3.00} {$16.00} XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX  and XXXX  are reporting information that is not mine. On XX/XX/2020 and on XX/XX/2020 I sent them correspondence via certified mail with return signature and they have yet to remove incorrect items that are a result of SEVERAL DATA BREACHES I HAVE BEEN A VICTIM OF. with written proof. This a violation of the FCRA for proof of verification being mailed to me bearing my signature for proof of DEBT FROM THE Following companies. 
1 XXXX XXXX XXXX 2 XXXX XXXX 3 XXXX XXXX 4 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage loan with WELLS FARGO HM MORTGAG, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called WELLS FARGO HM MORTGAG and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30,60,120 day late account posting errors. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and WELLS FARGO HM MORTGAG with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XXXX, 60-120 days late in XXXX and twice 120 days late in XXXX. There was an error on their part. I was never late.
Product: Credit card or prepaid card

I have not applied for any cards or loans and I was told my ssn was leaked to the dark web.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following U.S. Bankruptcy Court XXXX XXXX Bankruptcy Discharged Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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

I HAVE DISPUTED THE FRAUD ACCOUNT WITH THE CREDITOR, THEY REMOVED THE ACCOUNT, BUT STILL SHOWING IN MY REPORT AGAIN. 

XXXX. XXXXXXXX XXXX- XXXX OPENED XX/XX/XXXX XXXX. XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX OPENED OPENED XX/XX/XXXXXXXX XXXX
Product: Debt collection

Dept of Education/ Nel Net has been Falsely reporting students loans that are NOT owed to their Department. I have requested 4 times in writing and verbally. I have sent proof to all 3 credit bureaus of my paid in full account with the Department of Education ( not Nel Net ). This error is not only causing harm to my credit file but is also effecting my credit worthiness. Please correct As soon As possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  dispute removed a collections account after opening a dispute and the collection is removed but the company re-reports the information to my credit agency after removall. 

Name of collection agency : XXXX XXXX XXXX. 
Amount : XXXX Account : XXXX * * * Creditor Information - XXXX XXXX XXXX RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX Please help
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS XXXX 2020 AND REPORTED TO LAW ENFORCEMENT. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF XXXX XXXX IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE RE-INVESTIGATE THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.
Product: Mortgage

We refinanced our house and included payments to our creditors in the amount of the new loan. The lender, Cash Call Mortgage, wrote checks to pay the creditors directly, but one of the creditors did not receive the check. We have requested a new check for two months now since now we are technically paying for this debt twice at this point- We have already started making payments to Cash call including the amount that should have been paid to the creditor as well as making payments to the creditor until we receive the new check.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of certain fraudulent accounts and inquiries on my credit report due to identity theft. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ). 
The following accounts have been identified as fraudulent : Accounts : XXXX. XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$5000.00} XXXX. XXXX XXXX  Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$14000.00} Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, they are are not presenting and account numbers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights under 15 USC 1681.

Section 602 states I have the right to privacy 15 USC 1681, Section 6O4A, Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 's 1666-B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : 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 However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

My information was exposed in XXXX data breach. Theres an account from Helvey & Associates that does not belong to me on my credit report. I contacted them several times & they did not remove.
Product: Debt collection

Company continues to contact my place of employment after several times telling them to not call my job. Receptionist always answers and lets them know I can not have phone calls " personal or personal business matters '' ( which I have none if its personal it is not a business matter ). They continue to call. Then the caller gets rude with the receptionist and goes as far as giving personal information to confuse the receptionist in order to have her transfer the call.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XXXXXX/XX/XXXX Account Number : XXXX
Product: Payday loan, title loan, or personal loan

My regular loan payment was {$410.00} monthly since XX/XX/XXXX when I took out the loan. 
My monthly payment was reduced this year to {$370.00} after I told Upstart I was going through hardship, and an additional 10 months was added to the life of my loan. 

The confusion started after I made an extra payment of {$200.00} on XX/XX/XXXX, which was allotted to the XXXX payment, making XX/XX/XXXX balance {$170.00}. 

I paid {$170.00} on XX/XX/XXXX and made an additional payment of {$50.00} later that day, which added up to {$290.00}. The interest on XX/XX/XXXX was {$97.00}. 

The screenshot I took on XX/XX/XXXX before the payment was made said my balance was {$10000.00}. I expect after the interest of {$97.00} is deducted from the {$290.00} payment, the difference of {$130.00} should make my principal balance {$10000.00}. 

When my account was updated, my balance was {$10000.00} instead of {$10000.00}. Only {$50.00} was deducted from my payment and not {$130.00}. 

The next day {$12.00} interest was added to the balance of {$10000.00}, making it {$10000.00}. 

Getting an explanation has been time-consuming. I have been emailing and calling about the calculations but to be put on hold, get disconnected, or being told the calculation is correct.
Product: Mortgage

On XX/XX/XXXX I contact US Bank concerning a get well plan for my past due payments. On that date I agreed to an ACH payment to occur on XX/XX/XXXX.  Unfortunately the customer service associate made an error and the ACH payment was processed that day when the funds were not available. On XX/XX/XXXX, when I received the overdraft notification from my bank, I contacted US Bank and advised them of what was going on. I was advised by the customer service associate that I should stop the payment at my bank. He also stated that their system was down at the moment so he could not pull the call to verify the arrangement, and that once the system was back up, he would call back to resolve the issue. I did not hear from them, therefore I contacted them again on XX/XX/XXXX. During that conversation I was advised by the customer service associate that a supervisor would contact me by the end of the business day to resolve the issue. I did not receive a call back. I contacted them again on XX/XX/XXXX and was advised that it was in the supervisor queue for a call back, still no contact. On XX/XX/XXXX I was actually contacted by the collections department due to my late status. I missed that call and immediately returned the call. I spoke with a young lady that took the initiative to resolve the issue. She had the call pulled and verified the mistake made by the customer service associate on XX/XX/XXXX. She advised they would remove any fees that they had in their records due to the returned check, and that they would refund the stop check fee of {$30.00}. The associate stated that their normal policy was to mail any refund payments under {$100.00}, and that it would take 7-10 business days to receive the check. I advised her that it was unacceptable due to the fact of how long the issue had persisted and my financial situation. She stated that she would speak with her supervisor to get the authority to wire the funds to me. She stated that she spoke with her supervisor and received the approval to wire the funds. She stated that it would take 24-48 hours. On XX/XX/XXXX I was contacted by their collection department again. They were contacting me in regards to the status of my account, although on each of the previous calls I had advised them of what my get well plan was. The associate made no mention of the status of the refund transaction. When I asked about the status of the transaction I was advised that the refund had been mailed because the payment was under {$50.00}. I told advised her of the situation, at that point she transferred me to a supervisor, he only announced his name and then the call disconnected. I called back and spoke with another associate that consulted with his supervisor and stated that there was nothing that they could do in their department and sent me over to a senior customer service associate. That associate advised that there wasn't anything that they could do, and that I should receive the check in the next couple of days.
Product: Credit card or prepaid card

Company closed my account without any notification, they said because I dont use the credit card but this affect me because I was going through mortgage process. I tried to call the company spoke with XXXX from customer service and they just closed the account they did not care. They closed on XX/XX/21
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against [ Credit Bureau Name ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>2025, I discovered discrepancies in the following account ( s ) : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name :XX/XX/XXXX Account Number : XXXX Account Name :XX/XX/XXXXAccount Number : XXXX Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.