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

I was reviewing my credit profile this morning and noticed a late payment for XXXX XXXX XXXX account XXXX. I recently disputed this late payment about a month ago and the error was corrected and showed no late payments as on XX/XX/year>. Now this morning the late payment reappeared on my credit profile without notice a week later. No documentation was ever provided showing proof that I was late for this account during any of my disputes. This is really frustrating me.
Product: Credit reporting or other personal consumer reports

I am very upset that I see these unauthorized inquiries on my credit report they need to removed immediately so I can buy a home. I thought my information was being protected by the Fair Credit Reporting Act consumer law. This is a defamation of character and is causing emotional stress because I take my credit report serious. Please remove these inquires off my report please. I have attached the FTC report as well! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX account # XXXXXXXX XXXX account # XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

I became injured and unable to perform my job 12 months ago and can not pay my private loan anymore. I have told Navient this repeatedly, and they are now harassing me, my mother, and mother in law with constant phone calls and letters. They will not stop. They have also hung up on me when I have returned their calls to state my situation.
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Urgent Request for Immediate Correction of False Information on Credit Report Dear Sir/Madam, I am writing to formally dispute incorrect information being reported on my credit report by Equifax. The account in question, listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been reported as 60 days late. However, this account was paid on time, and there is no reason for it to be reported as late. This is clearly an error and incorrect information being reported on my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to ensure the accuracy and completeness of the information they provide. The continued reporting of this erroneous information is a violation of my rights under this act and has unjustly impacted my credit score. 

I respectfully request that Equifax : Investigate this matter thoroughly. 
Remove the false 60-day late payment from my credit report immediately. 
Provide written confirmation of the correction to my address listed above. 
Enclosed are copies of my credit report with the disputed information highlighted. 


Thank you for your prompt attention to this urgent matter. I look forward to your swift resolution and confirmation of the correction. 

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

I am writing to formally dispute the inaccurate reporting of the XXXX account XXXX # XXXX ) on my credit reports with XXXX, Equifax XXXX and XXXX. The discrepancies between the credit bureaus reporting regarding this account are significant and misleading. Due to these inaccuracies, I demand the immediate removal of this account from all credit reporting agencies and request a thorough investigation into these issues. 

Inaccuracies Identified XXXX. High Credit : XXXX and XXXX : {XXXX} Equifax : {$XXXX} XXXX Credit XXXX XXXX XXXX and XXXX XXXX {$XXXX} Equifax XXXX {$XXXX} XXXX. Last Reported Date : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date Last Active : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date of Last Payment : XXXX and XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX. Late Payment Status : XXXX : Was XXXX  Days Late XXXX Time ( XXXX ). Was XXXX  Days Late XXXX Time ( XXXX ). Was XXXX  Days Late XXXX Time ( XXXX ). Was XXXX  Days Late XXXX Time ( XXXX ). Was 150 Days Late XXXX Time ( XXXX ). 
Equifax : Was XXXX  Days Late XXXX Time ( XXXX ). Was XXXX  Days Late XXXX Time ( XXXX ). Was XXXX  Days Late XXXX Time ( XXXX ). Was XXXX  Days Late XXXX Time ( XXXX ). 
XXXX : Was XXXX Days Late XXXX Time ( XXXX ). Was XXXX Days Late XXXX Time ( XXXX ). Was XXXX Days Late XXXX Time ( XXXX ). Was XXXX  Days Late XXXX Time ( XXXX ). 

The discrepancies in high credit, credit limit, date last active, and late payment status among the credit bureaus indicate significant inaccuracies.

Violations and Impact The inaccuracies in the reported information violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my credit profile. Such discrepancies can negatively affect my credit score and financial standing, leading to potential denials of credit or other financial difficulties.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this standard.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : US DEPT ED - XXXX, US DEPT ED - XXXX, US DEPT ED - XXXX, US DEPT ED - XXXX, XXXX XXXX XXXX - XXXX, US DEPT ED - XXXX, US DEPT ED - XXXX, US DEPT ED - XXXX, XXXX - XXXX, US DEPT ED - XXXX, "
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Dear XXXX, I, XXXX XXXX XXXX XXXX am writing to file a formal complaint against USBANK regarding my mortgage loan for my primary residence located at XXXX XXXX  XXXX, XXXX  XXXX XXXX CA XXXX XXXX The loan number associated with this mortgage is XXXX. 

I would like to provide a brief overview of the circumstances leading up to this complaint. My husband lost his job during the COVID-19 pandemic, which significantly impacted our financial stability. To address our delinquency, we entered into a repayment plan with USBANK, where we were making double payments in an effort to catch up on our mortgage payments. We were making positive progress until the onset of the pandemic. 

After the economy began to reopen, we initiated multiple loan modification applications with USBANK. Regrettably, our requests were repeatedly denied, and we were only presented with short sale options as alternatives. Despite my husband actively seeking better job opportunities and taking on higher-paying roles to improve our financial situation, USBANK continuously instructed us to reapply for loan modifications as our income fluctuated.

The loan modification process has been protracted, spanning over two years, during which USBANK consistently denied our requests on the grounds of both insufficient and excessive income. We were not informed about the availability of the California Mortgage Assistance Program until we had already accrued an outstanding debt of over {$80000.00}. Had we been aware of this program earlier, we could have availed ourselves of its benefits and avoided the current predicament.

Moreover, USBANK 's refusal to allow us to make regular payments throughout the modification process has further exacerbated our financial difficulties. Despite our requests, they did not grant us the opportunity to resume making our mortgage payments, which has placed us in a distressing position. 

This property holds significant sentimental value to us as it is the home where our children were born and raised. However, with the burden of high-interest rates and the current circumstances, we are concerned about the possibility of never being able to purchase a home again. All we desire is an opportunity to regain financial stability and resume making regular mortgage payments. 

In light of the aforementioned issues, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) thoroughly investigate our complaint against USBANK and take appropriate action. I believe USBANK 's handling of our loan modification requests has been unfair and has caused undue financial and emotional hardship.
Product: Debt collection

The date was for XX/XX/XXXX and the debt was for {$1300.00} and wasn't aware that I could dispute this debt. The XXXX XXXX charged off my balance in XX/XX/XXXX and did not make me aware that I had the right to dispute the charges there was no documentation that I had signed stating that this debt was owed to me.
Product: Debt collection

On XX/XX/XXXX I sent a letter through certified mail to Eastern Account System in relation to the alleged debt they are claiming I owe through furnishing information to my consumer report stating I owe {$340.00} to the alleged original creditor XXXX  XXXX XXXX. I sent a letter of Debt Validation pursuant to 15 USC 1692g. This company flat out ignored my request. I sent this letter of request and they received XX/XX/XXXX. I know this because I sent my request through certified mail. This is bad business as well as a clear violation of my rights. Especially since they are acting as a debt collector to an alleged debt they have no right to collect on. They even have the wrong dates of this alleged debt. They state this alleged debt started XX/XX/XXXX when I have been living in an apartment I don't have to pay for gas for the past 2 years. So how can I have a gas debt starting last year.
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion and Blocking of Accounts Due to Data Breach - 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have appeared on my credit report. In accordance with 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file. These accounts and inquiries were opened due to unauthorized access to my personal information. 
Accounts to be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Please be advise I need Help Please I have tried numerous times to have remove the items listed bankruptcy items Delete/Removed with no action regarding Fraudulent Bankruptcy items. 

In 2016 I contacted Lawyer XXXX XXXX XXXX, Lawyer for the service. I paid her cash for services she never rendered. I never signed or received any document from XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX filed numerous fraudulent XXXX XXXX  and XXXX Bankruptcy without my Authorization. 

There have been claims file against XXXX XXXX XXXX as being unethical and she was suspended as a Lawyer. 
These Bankruptcies are impacting my Credit Score and my opportunity to buy a Home tremendously for the last 7 years and my ability to be approved for credit of any kind. 

I also contacted XXXX XXXX and received a response that ALL of the cases should be removed from my credit report. See enclosed. 
I have reported this to the Consumer Financial Protection Bureau via Complaint and this is also a violation of my rights under the FCRA. 
The US Bankruptcy Courts XXXX XXXX XXXX XXXX, NJ XXXX dose NOT report Bankruptcy to the credit bureaus or to anyone. 
XXXX XXXX XXXX XXXX was unauthorized and filed she numerous fraudulent XXXX XXXX and XXXX Bankruptcy without my Authorization. I will file with the XXXX XXXX XXXX shortly. Please note XXXX as Delete/Removed ALL of the items that are reference here and on my XXXX XXXX report attached. This was FRAUDULENT. HELP HELP PLEASE. I need to get approved for a home for my family to live in, I am XXXX XXXX. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on 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
Product: Checking or savings account

Ally bank They block my account for 3 weeks because I got few XXXX  transactions They took money from my another accounts and didnt let me use my cards No Unswer phone no anything
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts/ inquires cant be verified and need to removed from report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unknown XXXX XXXX Unknown XXXX XXXX Unknown XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

We were charged by our credit card American Express XXXX $ for tickets which we did not purchase. We never travelled on those tickets and flights. On our credit card it shows XXXX tickets were purchased. I called XXXX XXXX They told me no tickets were issued for XXXX XXXX XXXX XXXX XXXX Tx flight s I noticed these fraudulent charges on XX/XX/2023 showing pending charges and immediately notified dispute department and fraud department of American Express. But we did purchase tickets from an airline agency XXXX ticket s on XX/XX/2023 which were legit charges for XXXX XXXX and we travelled XXXX Ohio to XXXX XXXX XXXX Tx to XXXX to XXXX XXXX to XXXX XXXX to XXXX XXXX XXXX to XXXX Ohio. This was our legitimate purchase and travel. American Express credit card informed me that because we shared our credit card information with just fly agency we were responsible for the fraudulent charges. Even though we notified American Express credit card company immediately when fraud charges appeared in our credit cards account as pending charges on XXXX online website. American Express failed to prove that the charges were incorrect and fraudulent and did nothing to stop from pending charges to be investigated and resolved.
Product: Debt collection

Hello, I have disputed the accounts below several times. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 


National Credit Adjuster {$240.00} XXXX Unverified Account XXXX XXXX XXXX {$490.00} XXXX Unverified Account XXXX XXXX XXXX {$750.00} XXXX Unverified Account XXXXXXXX XXXXXXXX {$120.00} XXXX Unverified Account XXXX XXXX XXXX XXXX {$130.00} XXXX Unverified Account
Product: Checking or savings account

So over the years Ive had an account with them for years and years Ive piled up a lot of overdraft fees with them got some back but I was charged alot in fees and would love to get most of it back. Both my parents passed away and things got hard and I had to make it by
Product: Debt collection

On XX/XX/XXXX, XXXX filed a judgement against my homestead property in Texas. We have owned and lived in and claimed this home as our homestead since XXXX. The property address is XXXX XXXX XXXX, XXXX, TX XXXX. The judgement Case # XXXX, Instrument # XXXX. This judgement was for an unpaid credit card debt. I acknowledge the debt, however, the judgement should not have been placed on my homestead property. I have been unable to refinance my home due to this judgement. I've tried to work with XXXX and then Capital One ( judgement was sold from XXXX to Capital One ) since XX/XX/XXXX when I discovered the lien. They prepared a partial release but it was never recorded. When we tried to refinance our home in XX/XX/XXXX, I discovered that the release had not been filed. I've been trying to work with them to re-prepare the release and get it re-filed since XX/XX/XXXX but I've had no luck. I most recently spoke with XXXX, XXXX, XXXX and XXXX at XXXX who have all attempted to assist, however, they've been unable to provide either an original release for me to file or have their legal team send the release to the county for recording. I need to refinance my home as I was recently ( XX/XX/XXXX ) laid-off and had to take a job paying considerably less. Capital One is preventing me from doing so and as a result I may lose my home and ruin my credit because I can not pay my bills at my reduced salary. My account # with Capital One is XXXX. I am happy to file the release myself ; I just need them to prepare it and send me the original so that I may do so. Again, I have been trying to resolve this issue since XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

To whom it may concern, I, XXXX XXXX am writing a complaint against PayPal for not resolving into my issues regarding to the transaction of depositing the account since Friday XX/XX/year>. I am extremely frustrated and the fact the customer service did nothing to help to resolve this issue was beyond unethical of business practices. As I am a customer myself had been trying all day to deposit my funds into the account as I was told by the customer service they would help me resolve it within 24 hours and its been over 24 hours and they still have not fix the issue and I was not able to add any funds to my account due to the consistent error message I kept receiving stating " Right now, we're not able to complete this transaction. '' several times and nothing has been resolved. my experience with this service leave me no choice but to make this complaint for better business informational purposes and the dissatisfaction of the customers leaves me no choice but to close my account if I do not hear anything from this company PayPal. My request is that you either resolve and fix the issue that needs to be immediately addressed or you will risk losing customer like myself and losing your reputation of your company as a whole. I will make sure I will share my horrendous experience at PayPal with friends and family of how horrible this service is and to NEVER sign up for this service for their atrocious, the most disastrous and the most unethical customer service EVER AGAIN. if I could I would give them NEGATIVE STARS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by salence. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists Avant : Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, has violated my rights. 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, resulting in several fraudulent accounts being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts to ensure the accuracy of my credit report. 

Specifically, I am seeking the removal of the following 4 unauthorized accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX It is essential that my credit report reflects only accurate and legitimate information.