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

On XX/XX/XXXX of 2024 I contacted Experian and XXXX, contesting the inclusion of an erroneous bankruptcy on my credit report. I was asking the agencies the method of their investigation. I received no response. According to 15 usc 1681a- ( e ) " mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information ''. According to 15 usc 1681 ( a ) ( 4 ) - '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMER 'S RIGHT TO PRIVACY '' This also is an infringement upon my right to privacy. Also, according to 15 U.S. Code 1681b ( a ) ( 2 ) -Permissible purposes of consumer reports " In accordance with the written instructions of the consumer to whom it relates. '' I have not given any written instructions to put any such information on my credit report.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$15000.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX  XXXX Balance : {$4500.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$73.00} ; XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX 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: Student loan

The interest rate on my loan has been increasing by 1 % every week ( XX/XX/XXXX-XX/XX/XXXX ). I requested a document to view this increase and an explanation as to why and Navient responded saying they sent in a document in my account and that was not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX child support XXXX XXXXXXXX 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 U.S.C. 1681 section 602 A states I have the right to privacy 15 U.S.C. 1681 section 604 A section XXXX it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, account in collections {$460.00}, does not belong to me. there are also two XXXX XXXX evictions listed on my public record due to being a working nurse during global pandemic. attached is FTC report
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number:XXXX On XX/XX/2020 I was advised by XXXX customer service specialist to pay off the settlement in full for this charged-off XXXX  auto loan Account Number:XXXX and it will be removed from my credit report from all three credit bureaus agencies. 

I have sent three rounds of dispute correspondence to XXXX, XXXX, and Experian requesting to have this Account Number:XXXX XXXX  account blocked and deleted since I was told to pay the settlement amount in full and in return it will removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Incorrect Employers : XXXX XXXX  XXXX XXXX ; XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXXXXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXXXXXX | XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking assistance in the matter of a dispute between all major bureaus and a financial Bank and lender Hancock Two payments were sent to Hancock Whitney in the month of XX/XX/XXXX these payments were sent to cover my monthly installment payments on an auto loan. Not only did they receive and confirm receipt of these two payments in XXXX, but a payment large enough to cover 2 months were also made in the month of XX/XX/XXXX. NOTE : XX/XX/XXXX payment was never late. I filed a dispute with the lender directly after several attempts to resolve this countless phone calls, emails, letters, and even copies of my bank statements well enough is enough. This is an internal problem with the staff and management of this lender they need to be investigated and possibly sued for damages. Onward I was reported 60 days late on XX/XX/XXXX after filing my initial dispute they updated the reporting to 30 days, Well this is still incorrect so I initiated another dispute with all three bureaus each time the lender has creatively updating my file but never removed or correcting the 30 days late XXXX notice it showed updated but nothing changed, XXXX noticed the 60days was changed to 30 days, XXXX was up dated added how much I paid on my loan each month because I always pay more than my amount due. A third dispute was requested now XXXX is refusing to reinvestigate. I have sent supporting documents showing this is their error. Recently they updated my credit report adding a late payment for XX/XX/XXXX ILLEGAL in XXXX causing my XXXX  score to drop further. My account and credit file clearly state for the year XXXX, I made 12 on-time payments another error. XXXX, XXXX XXXX XXXX have a responsibility to the consumer public to do their due diligence, and that's making sure that information is accurately reported otherwise disputes are properly investigated. The terms of my installment loan grant a 10-day grace period, therefore, I have until the 10th day of the following month to make my payments before payment is considered late and a late fee is XXXX, not a bureau reporting. I provided proof these payments weren't late not even to get a fee XXXX. This lender is the liar and thief here I am the victim, the victim of credit discrimination. As a result of this reporting error and how my dispute has been handled, I am forced to seek further action in this matter and will continue to dispute this account until the reporting is satisfactory. The terms of my installment loan grants a 10-day grace period, therefore, I have until the 10th day of the following month to make my payments before a late fee is XXXX, not a bureau reporting The balance of this loan is around XXXX not XXXX the lender should be shut down.
Product: Bank account or service

I was incarcerated in XXXX XXXX XXXX ( Florida ) from XXXX XXXX, XXXX until XXXX XXXX, XXXX. While I was incarcerated for approx. 15 months my roomate at the time used my Bank of America debit/ATM card to fraudulently make hundreds of ATM withdraws and Debit Card puchases as well as writing fraudulent checks equaling over {$20000.00} XXXX dollars. These transactions began on XXXX XXXX, XXXX and ended on XXXX XXXX, XXXX. The account went into arrears and was " forced closed '' on XXXX XXXX, XXXX with a negative balance. After I was released from jail I was homeless. When I finally found a home with a solid address and a telephone and computer on XXXX XXXX, XXXX I called Bank of America to file a claim for the fraudulent activity mentioned above. I was told by a supervisor in the ATM Debit Claims Department named XXXX XXXX that the bank can only file and be responsible for claims that go back 12 months from the claim filing date. The claim filing date in this case is on XXXX XXXX, XXXX. Most of the fraudulent transactions took place over a year ago ( 12 months ) and I explained that I believe that I deserved compensation via a claim regardless of the 12 month rule. He refused to help me with this request. Instead, he referred me to the Federal Reserve website www.federalreserve.gov and told me to download the PDF document on Regulation E which explains that it is federal law that a bank is not obligated to compensate fraudulent activity that goes back more than one year ( 12 months ) from the claim date. I followed his instructions and read the PDF document and found no such rule or regulation. I then contacted the Federal Reserve Consumer Help organization at XXXX and they said that they do not have jurisdiction or supervisory authority over Bank of America so they referred me to your organization, C.F.P.B., at XXXX. I called and spoke to XXXX of your representatives who directed me to www.consumerfinance.gov to process a claim online.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), I am writing to file a formal complaint against the following accounts listed on my credit reports, which have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These violations are detailed below : Violations : 15 U.S.C 1681 Section 602 ( a ) : This section affirms my right to privacy, which has been compromised by the improper furnishing and handling of my personal information.

15 U.S.C 1681 Section 604 ( a ) ( 2 ) : This section clearly states that a consumer reporting agency can not furnish an account without my written instructions, which has not been provided in these cases.

15 U.S.C 1681c ( a ) ( 5 ) : This section prohibits the inclusion of any adverse information in a consumer report that is more than seven years old. The accounts listed below contain adverse information that predates the legally allowed time frame.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section prohibits the furnishing of information that is known to be inaccurate. The accounts listed below contain inaccuracies that have been reported despite reasonable cause to believe they were incorrect.

15 U.S.C. 6802 : I did not receive the required opt-out notice at the time of account creation, which violates my right to opt-out from the reporting of non-public information.

List of Accounts : Below is the list of accounts that have violated the aforementioned sections of the FCRA and other related laws : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, XXXX XXXX XXXX XXXX XXXX, XXXX Thank you for your prompt attention to this matter.
Product: Mortgage

XX/XX/2020 URGENT ATTENTION CAN SOMEONE PLEASE HELP!!!!! 

To Whom it may concern : Re : Account # XXXX Address : XXXX XXXX XXXX XXXX Ca XXXX Dealing with BofA has been such a horrible experience since XX/XX/2020. On or about XX/XX/2020 I called your office then transferred to the escrow department ( 1st call ) and after about 1 hour and 45 minutes of being on HOLD I made contact with a representative and was advised to pay the total amount of {$6200.00} in order to cure the current balance of {$3500.00} and TOTAL escrow SHORTAGE amount of {$2700.00} in order for my monthly payment to be what the original monthly amount of {$3000.00}, then I was informed by your office that the following month the amount would adjust for XXXX billing. 

I, then received the new statement the 1st week of XXXX and the total was {$3500.00}, I immediately called your office and was again transferred to the escrow department ( 2nd call ) and after being on HOLD for almost 2 hours again someone finally answered and reviewed my account and mentioned the case was closed and the adjustments would be done but I needed to wait about a week, then 2 weeks later on or about XXXX XXXXthe again I called ( 3rd call ) again wanting to pay amount due however the amount still showed {$3500.00} as due and no adjustments done!!!!!! So then I called back on XX/XX/XXXX ( 4th call  ) almost 2 hours and the same circus NOTHING DONE!!!!!! 

Its XXXX the XXXX and now there are 2 months that are due {$7000.00} for my mortgage!!! What am I supposed to do!!!! CALL AGAIN!!! XXXX NO!!! Someone needs to be held accountable!!!! 

XXXX XXXX ( XXXX XXXX XXXX Owner
Product: Debt collection

EOS CCA has placed a collection on my credit profiles claiming that I owe {$360.00} to XXXX. Ive never had an account with XXXX. I've always had XXXX XXXX. I have reached out to this company 3 times between XXXX and XXXX of 2021 ( I have certified USPS proof of delivery to them in which Im sending via the CFPB portal ) and they have yet to respond. They are unable to verify this because the debt does not belong to me. They are clearly not even attempting to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX SSN : ***** XXXX Contact : ( XXXX ) XXXX XXXX Disputing Inaccuracies on My Credit Report Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX for five years and I have never lived in these addresses reported on my FICO report and incorrect names places on my credit report as well. Please consider this a formal request to investigate and correct the following ( 3 ) inaccurate addresses on my credit report issued by your agency and ( 4 ) different names thats fraudulently not mines. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. The following addresses/ Names listed below : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address ID # XXXX Multifamily 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Address ID # XXXX Single family 3. XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX Address ID # XXXX Single family 4. XXXX XXXX XXXX Name ID # XXXX 5. XXXX XXXX Name ID # XXXX 6. XXXX XXXX XXXX Name ID # XXXX 7. XXXX XXXX Name ID # XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Prepaid card

American express gift card worth {$50.00}. We used {$19.00} in one transaction. All subsequent transactions were rejected. 
Called the number on the card and we were told the card had fraud alert and we couldn't use it until we provided the following : printed receipt of the last transaction, driver license and address. 
Problem is that we don't have the receipt anymore and Amex refused to give us the money. We lost {$30.00}.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account does not belong to me. I did not authorize or verify opening of this account. I have submitted several disputes with the credit bureau requesting additional identifying information and the company has not provided any information that ties this account to me. This account needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

I want to deactivate my Experian account. Customer service not helping. Stuck in a loop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pull my consumer disclosure report and found an additional inquires that I have never made or authorized at. I attempted to call in to dispute this claim, but the customer service was did not want to help me, so I am submitting my claim through the cfpb. Please remove this inquries off my consumer disclosure report immediately! I have no association with these inquires, and it should not be reporting. I want to make an additonal dispute please dont close my previous dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent in a request for the Credit reporting agency to delete the inaccurate information on my consumer report. It's now 39 days and I haven't received any responses from them.
Product: Debt collection

*****THIS IS NOT A DUPLICATE**** This consumer doesnt know you. Who are you and by which authority did you contact me? I require you to swear under penalty of perjury under the laws of the United States of America this debt is true within 5 days of this notice. 

Take note, pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. In addition, criminal fraud, identity theft, and conversion of property have no statute of limitations and I will defend against and seek remedy for deprivation of any rights, privileges, or immunities secured by the FDCPA against any and all guilty parties. 

I choose not to do business with you and your partner ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY! 

I also revoke, cancel, and make void ab initio all powers of attorneys, in fact, in presumption, or otherwise, signed either by me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. Please send me the 1099-INT form from the IRS. 


According to the Federal Trade Commission : You must provide authority to collect on your behalf. 

812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 15 USC 1692k of this title for failure to comply with a provision of this subchapter.

( Pub. L. 90321, title VIII, 812, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 880. ) I hearby affix my non-negotiable autograph with explicit  reservation of all my unalienable rights and my specific common law right not to be bound by any contract or obligation which I have not entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion.