23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have contacted CKS several times on this matter. They are advised numerous times they do not own this account even though they are reporting on my credit report to XXXX, XXXX, and XXXX. I was advised to contact Velocity Investments at XXXX where that had the account transferred to and as the new owner. I spoke to Velocity Investments today XX/XX/28 and they confirmed they held the account and accepted the payment offer of {$360.00} along with the request to have the item deleted from my credit report. Payment made and Velocity Investment provided payment confirmation # XXXX. They also stated they would submit a letter in 10 business days confirming arrange. In result, CKS is still reporting inaccurate information to the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX. is incorrectly reporting a 30 days late payment on my credit reports ( to all three credit bureaus ) since XX/XX/. This is a complete error on their side and they are failing to correct it. I attached my credit reports and you can see that I have a perfect record, never once missed a payment in my entire life and I have paid my accounts on time since I have a credit history in the United States ( 19 years ). You can also see the error which is the late payment report by XXXX XXXX XXXX XXXX XXXX. for XXXX XXXX 

According to the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX  should remove incorrect and inaccurate information from my credit report. I have contacted XXXX XXXX XXXXXXXX XXXX XXXXXXXX, spent hours over the phone and their representatives are completely unhelpful and unwilling to fix their error even though they acknowledged that this is an error on their part. They acknowledge that I paid on time on XXXX XXXX the information reported is a complete error and yet they not doing anything about it. 

This error on my credit report is costing me, my wife and XXXX XXXX XXXX  massively as we are getting a mortgage and our rate would be unjustly affected by this. The whole situation is unfair and devastating. 

The scary thing is that this would have gone unnoticed if we were not applying for a mortgage and nobody would have deleted this incorrect information from my credit file.
Product: Checking or savings account

Made an ATM debit purchase at XXXX store on XX/XX/11 against a checking account ending XXXX. I also have XXXX  XXXX  Chase Offer loaded ( see attached ) for XXXX store or online order. I even try calling the bank before making the purchase but they were closed due to the XXXX XXXX XXXX holiday to re-confirm what ones told I should use the ATM card to take advantage of the offer ( the offer does not say how to use it - write a check or used the card ). Still, nothing online to indicate I have fulfilled the offer, and my attempts to contact Chase failed : calling in won't transfer me to CSR unless I select to report ATM card lost /stolen, and communication through Message Center did not yield the results I expected ( see attached )
Product: Credit card

I ordered a pair of shoes from a third-party seller called XXXX, but they turned out to be fake. Despite multiple requests for a shipping label, they ignored me, forcing me to contact Amex for help. After about a week, they finally provided a label, but I was out of town at the time. Once I returned, I promptly sent the shoes back, and the merchant approved the return. However, I still haven't received a refund or credit, leaving me with a bill to Amex. They refuse to waive the charge due to the merchant 's three-day return policy, even though I repeatedly asked for a shipping label to return the counterfeit shoes. It feels unfair that I'm stuck with this bill when the merchant is unresponsive and I was the victim of their mistake.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX 

Equifax Disclosure Department, XXXX XXXX XXXX, XXXX, GA XXXX. 

Request for Removal of Fraudulent Accounts Due to Identity Theft PLEASE REMOVE ACCOUNTS FROM CREDIT REPORT IMMEDIATELY XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Last 4 digit card numberXXXX Account opened:XX/XX/XXXX, XX/XX/XXXX Account Closed:XX/XX/XXXX, XX/XX/XXXX Dear, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ] and XXXX XXXX XXXX Account Number : XXXX. 
I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 
Government -issued ID to verify my identity An Identity theft report filed with the Federal Trade Commission Proof of Residency Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 15 U.S. Code 168Xe ) 15 U.S. Code 1681 ( 1 ) 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 
Please remove immediately Thank you for your time and prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I ran a credit report on myself and found a loan with goodleap for XXXX that I did not agree to in any shape or form. I have had no contact with Goodleap prior to seeing this loan on my credit today. Please help get this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention : Consumer Financial Protection Bureau File number : XXXX XXXX XXXX SS # XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Colorado XXXX DOB XX/XX/XXXX Company Disputing : XXXX, XXXX XXXX Disputing to remove Late Charges for the Months mentioned below. 
Phone : XXXX Email : XXXX This dispute is regarding my ex-mortgage holder, XXXX ; that claimed late payments on my report for the months XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I contacted the company that purchased XXXX in XX/XX/XXXX, XXXX XXXX. In XXXX I requested that these claims be removed from my credit report, they responded with a letter XX/XX/XXXX claiming that they are required to report payment history accurately and altering credit information would be reporting inaccurately to the credit reporting agencies. 
Document 1 Letter from XXXX XXXX Document 2 Proof of Monthly payment for XX/XX/XXXX, from bank statement. 
Document 3- Proof of payments for XX/XX/XXXX and XX/XX/XXXX from bank statement.

I provided these same documents to XXXX XXXX and I still received no assistance. 
I would like CFPB to assist me with the continuation of this dispute, and assist me in gaining some consideration from XXXX XXXX, who has clearly stated that they didnt acquire Seterus at the time that these late charges were filed with the credit agencies, so they do not feel responsible. My position is that XXXX no longer exist, nor do they have a customer service department that continues to help its previous customers before the acquisitioning by XXXX XXXX. 

Furthermore, I have filed disputes with the three credit reporting agencys ( XXXX, XXXX, TransUnion ) and I have had no success even though I provided the same documentations, they are contacting the same company which has already responded in a letter of their lack of interest due to they had not acquired Seterus at the time that these late payments were filed, so they feel they are not responsible. 

I am requesting that the late months in question be removed from my credit report and shown as paid on time, for I have provided the documentation to substantiate this decision. I currently can not apply for a mortgage loan because of this incorrectly reported information, your expedience would be greatly appreciated. 

Best Regards, XXXX XXXX
Product: Debt collection

I am writing to formally dispute the accuracy of a collection account appearing on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I am exercising my right to challenge any inaccurate, incomplete, or unverifiable information that may be damaging my credit profile.

The following account is incorrect and must be removed immediately : Basis for Dispute : 1. Unverified Information : According to 15 U.S.C. 1681i ( a ), and 15 U.S.C. 1692C credit bureaus are required to conduct a reasonable reinvestigation of disputed accounts. I demand documented verification that this account is accurate and legally belongs to me. If no verifiable proof is provided within 30 days, this account must be deleted.

2. Failure to Adhere to Federal Standards : Recent actions by the Consumer Financial Protection Bureau ( CFPB ) have highlighted the frequent mishandling of consumer data by credit reporting agencies. The CFPB lawsuit filed in [ Year ] against XXXX, XXXX, and XXXX for violations of consumer rights under the Fair Credit Reporting Act ( FCRA ) is a clear indication of industry-wide misconduct. 
3. Case Studies of Violations : o XXXX was fined in XXXX due to its data breach exposing consumer information. 
o XXXX was sued in XXXX by the CFPB for deceptive marketing practices and failure to remove erroneous accounts. 
o XXXX has faced multiple lawsuits for failing to correct disputed consumer records. 
Given this precedent and the bureaus legal obligation under the FCRA, I demand the immediate removal of this collection account unless you can provide substantive, legally admissible proof that this account is valid and belongs to me. 
Requested Action : Remove the aforementioned account from my credit report within XXXX days per FCRA guidelines. 
Provide written confirmation of this removal or verification of accuracy. 
If the account is not removed, provide a detailed explanation and copies of all documents used to verify the debts legitimacy. 
If my request is ignored or denied without substantial proof, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General 's office. 
Please consider this letter a formal request under the Fair Credit Reporting Act and confirm receipt by responding in writing to my address above. 
Enclosing : According to 15 U.S.C. 1692C Equifax have violated my rights by in lawful communication. Please remove these collections off of my credit report. According to section 1681e ( b ), section 1681i to 15 U.S.C. 1681 B, to 15 U.S.C. 1681 EB and section 1681s. My personal infor mation was sold to other companys
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, DEPT OF ED Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX XXXX are not responding to any of my requests to investigate, verify and provide me with the documents with the original signatures proving I opened the accounts.
Product: Bank account or service

XX/XX/XXXX- XX/XX/XXXX I had a checking account and a credit card with wells fargo they gave my account number to some other person who withdrew from my checking account and since i had overdraft protection with my credit card he/she kept withdrawing money until he withdrew XXXX. I filed a complaint with wellsfargo but nothing ever happen. After that my credit score wen down and I havent been able to get back to where I used to be
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.

and list of Inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX FC 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Hi, TransUnion has been doing illegal things to me over the last 15 yrs! if i get one inquiry they take XXXX to XXXX points off my score .... or like today they took XXXX points off my score for my husband adding me as a authorized user. not XXXXne soul in American lost XXXX point to XXXX points for being added as a authorized user. it's a glitch in the system or they are discriminating against me as an XXXX American woman. 

I asked around to muiliple people over the last 15 yrs and out of 300 people no one losses XXXX to XXXX points for a inquiry or being added as an authorized user. 
please restore my points AND the other ones i was cheated out of. 

im XXXX yrs old a XXXX XXXX  a hard worker and all my life i have never had a credit score over XXXX!!! im working my XXXX off to raise it for years and they give me nothing. 
I paid off 99 % with less than {$100.00} to go... ..of my car note i gain XXXX pounts for paying XXXX. thats not fair WHERE IS MY POINTS I DESERVE
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SINGLE FAMILY XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX SINGLE FAMILY XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act has XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX account # XXXX 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 1692g states I have rights to validation of debts and also that I gave written communication to allow these accounts on my credit report.
Product: Mortgage

Truist stated that XXXX sent in my XXXX payment but they can not process it until the state releases the funds. No one has ever heard of this so I need to know whats the hold and why is the state holding the funds! XXXX has also not sent XXXX payments to XXXX XXXX XXXX for my internet payments. I have to call them every single month and Im getting no where. Its so frustrating!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXX/XX/year> Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Subject : Request for Investigation and Correction of Student Loan Payment Reporting Dear Sir/Madam , I am writing to file a formal complaint concerning the handling and reporting my student loan payments by the Department of Education . Despite making all necessary payments, which the servicer acknowledged as satisfactory, my credit report continues to reflect past charges marked with late payment remarks. These inaccuracies adversely affect my credit score and my ability to secure financial services. 
Account Details : Loan Servicer Name : Department of Education ; however, a collection agency called to set up payments Account Number : XXXX Dates of Disputed Late Payments : Several occasions. 
I have previously contacted the Department of Education on multiple occasions to request the removal of these inaccurate late payment remarks from my account history. Despite these efforts, the servicer still needs to amend the credit reporting, which has led to ongoing financial and personal distress. 
The servicer acknowledged the payments as satisfied, which should not have resulted in any adverse remarks on my credit report. The persistence of these inaccuracies contravenes the Fair Credit Reporting Act ( FCRA ), which stipulates the need for accurate and fair credit reporting. 
Therefore, I kindly request the Consumer Financial Protection Bureau to : Conduct a thorough investigation into the handling and reporting of my student loan payments by XXXX XXXX XXXX. 
Ensure any inaccuracies in writing late payments on my account are corrected promptly. 
Require [ XXXX XXXX XXXX ] to remove any adverse remarks related to the disputed late payments from my credit report. 
I am prepared to provide additional information or documentation supporting my complaint. I hope that with your intervention, the inaccuracies in my credit report will be corrected, allowing me to move forward without the undue burden these errors have placed on my financial well-being. 
Thank you for your attention to this matter and your assistance in upholding the integrity of consumer credit reporting. 
Sincerely, XXXX XXXX
Product: Debt collection

I have been in communication with midland, asking them to send me full verification, validation and accuracy on an item originally owned by XXXX, and now XXXX XXXX. As of yet they have not sent us anything, not even a letter from XXXX XXXX or XXXX, basically authorizing Midland to contact and attempt to collect on this item. This is important that we receive because we have documentation stateing that this item has been " PAID IN FULL '' with a {$0.00} balance since 2013. 

Please help me i am XXXX Years old and i am constantly being called and solicited to buy things by phone or by mail, and or to pay things from people i have never heard of. 

I am sending documentation stateing that XXXX XXXX shows a zero balance and " ACCOUNT PAID IN FULL '' I have reached out to XXXX XXXX for help but they have not responded. 

I feel coerced and under durress from this company and need your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting with the Credit reporting agencies Equifax, XXXX, and XXXX for over XXXX years now in regard to the inaccuracies on my credit report. I've even shown proof/copies of the inaccuracies and each time they send it back updated and verified. I know this to be false because they would easily remove the accounts from my report if they have done a proper investigation. They also have failed to provide proof of a proper investigation which I have asked for multiple times. TODAY I am taking a stand in gaining my life back. Because of these detrimental inaccuracies, I have been shamed by peers and employers neither have I been able to provide for my children as well, so today I am filing a huge complaint against Equifax!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account : XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX - XXXX, Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX Balance : {$420.00} XXXX  XXXX XXXX Balance : {$310.00} XXXX XXXX Balance : {$24000.00} XXXX XXXXXXXX Balance : {$100.00}
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer.
Product: Debt collection

This company was asked for a debt validation and there response was simply to mail me a copy of the billing statement from XXXX. which they are not XXXX, they can not prove I entered into a legally binding contract with them for this debt. Billing statement from XXXX do not constitute a legally hand written sign contract by me. also they call my personal cell phone daily, despite my phone number being registered with the national do not call registry. I also filed a complaint on that site as well. they have emailed my email which is also on the do not call registry. They have listed this account as a debt on all three of my credit reports and say I must pay this debt that is not theirs. they claim that XX/XX/XXXX of 2022 the account was transferred to them. however I never gave them permission to attain or access all of my personal information.