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

I have been disputing with XXXX about an account from XXXX XXXX XXXX and since then the account has been removed from experian but still says its an active loan on XXXX I ask for them to remove it because the information is not accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

A while ago I disputed a collection account that appeared from XXXX  ( XXXX XXXX XXXX ) for a debt that was originally from XXXX XXXX. I disputed on the bases on NO Contract, No Validation and it was removed from my report with XXXX, Equifax and XXXX credit bureaus. Over the last week XX/XX/XXXX-XX/XX/XXXX it reappeared on all 3 bureaus again, with no notice or warning. Basically, this alleged debt was removed over a year ago after it was disputed, and then re-added within the last week. No notice from either credit bureau ( XXXX, Equifax or XXXX  ). I called all bureaus and asked that it be removed based on the the fact that it was removed after a previous dispute yielded No Contract or No Validation. I was told that it would not be removed but re disputed and would take up to 30 ( MORE ) days. Meanwhile this Inaccurate, Unverified, Non-Validated, No Contract alleged debt has done significant damage to my personal credit report and credit scores.
Either removed from all 3 credit reporting bureaus ( not able to re-add ) or Legal action filed against all parties involved
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian falsely claims that my complaint " did not appear be be submitted by me '' and then falsely marks my complaint as duplicate. Please investigate and delete the following false accounts : XXXX XXXX XXXX account XXXX
Product: Credit card or prepaid card

I made a purchase for {$3900.00} on XX/XX/XXXX to XXXX XXXX, which was going bankrupt around the time of my purchase. I was informed in XXXX of XXXX that my purchase : " During XXXX, XXXX XXXX XXXX XXXX became unable to place orders with vendors due to the inability to pay. Production of your order had not been started with the manufacturer. Currently, this order will not be able to be fulfilled. '' In XXXX, I tried filing a dispute with my credit card company, Discover, because we spent the money and will not be receiving the product we ordered. After a month of waiting, I was told we didn't have the correct documentation to approve the dispute in our favor. The Discover employees said I need proof that XXXX XXXX said they would refund me and haven't, but XXXX XXXX has never said that. However, they have taken my money and not provided the product I ordered. There have been numerous people in the same situation who used a different credit card company and were given their money back by the company after their dispute.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding XXXXXXXX XXXX XXXX XXXX Not Issuing a XXXX After Debt Charge-Off I am writing to file a formal complaint regarding XXXXXXXX XXXX XXXX XXXX failing to issue a XXXX form after they charged off my debt. The account in question is XXXX, and the debt was charged off in XX/XX/2024. 

As per the IRS guidelines, when a creditor cancels or forgives a debt of {$XXXX} or more, they are required to issue a Form XXXX to the borrower, reporting the amount of the canceled debt as income. However, despite the fact that my debt was charged off, I have not received a XXXX form for tax reporting purposes for the year in which the charge-off occurred. 

I have made multiple attempts to resolve this issue directly with XXXX XXXX XXXX XXXX customer service and collections department, but I have not received any communication from them, nor any action taken to issue the required form. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that XXXXXXXX XXXX XXXX XXXX complies with the IRS regulations by issuing the required XXXX form for the canceled debt.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX i checked my credit on identyiq i seen incorrect information on account i disputed this XX/XX/XXXX certified mail i don't know what they are doing maybe still looking or stalling i need you guys help to investigate also my credit has been giving alerts that my information is being used on the dark web so i went to XXXX breach to see if my information has been breach it claimed my info is breached i really need you guys help in this situation.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX. XXXX XXXX Date of inquiry : XXXX/XXXX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXX XXXX FIN Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX I am reporting a fraudulent inquiries found in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone to use my name or personal information to obtain funds, credit, loans, goods, or services or for any other purpose as described in my complaint. I did not receive and money, goods, services, or any benefit as a result of what happened in my complaint.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 



I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



and according to 15 USC 1681s-2 they are suppose to 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

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to file o formal complaint against Experian, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previousty deleted material into my credit report. 
On ( XX/XX/year> ), I sent a letter to Experian notifying them of the reinsertion of XXXX  account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days ofter sending the letter, XXXX has failed to remuve the reinserted account from my credit report, continuing to violate FCRA regulations. 
XXXX 's actions have caused significant inconvenience and potential harm to my credit profile, Impacting my abllity to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with EXPERIAN, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Debt collection

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

I have 2 account collections from Jefferson Capita Systems that keep popping up opened recently from XXXX. I do not owe XXXX or XXXX. I called both companies. I called Jefferson capital put my information in annd the system says it shows no acut- and they told me they were going to sue me for the amounts due when I told them that I contacted the original creditors and they show no such accounts ever or balances. Ive had XXXX  service for over 7 years
Product: Mortgage

I was processing a loan with FILO MORTGAGE. I had a preapproval with Filo and I have locked my rate. Lock Date was XX/XX/2023 with Expiration of XX/XX/2023 with maximum discount points to be Paid : {$1000.00}. During underwriting process this company was asking me to pay {$2200.00}. So I raised my concern to the loan officer, he agreed my valid concern and he informed his management several times to adjust that fee. Fuinbally he suggested to write an email to the CEO so that it gets solved. I have written an email to their CEO including the proof ( rate lock document ). CEO never replied to my email.

To complete the house buying process due to short inventory of the house I was forced to close the loan with their imposed fee. 

Also Due to their communication issue my attorney charged {$150.00} ( {$650.00} instead of {$500.00} ) more as the underwriter helping lady and loan officer was providing different answers to the attorney which took more time from attorney and I was charged additional {$150.00}.
Product: Mortgage

XXXX XXXX I purchased a XXXX property with a XXXX sign on the property. I paid the load off in XXXX. XXXX XXXX still has a lien on the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -US SM BUS ADMIN ODA 06/26/2020 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

My name is XXXX XXXX XXXX and I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply. 
Sincerely, XXXX A XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my passport, social security card, and bank statement ] Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I attempted to obtain an electronic copy of my free annual credit report from Equifax. Without explanation, I was instructed that I must fill out a paper form and mail it to Equifax in order to get a copy of my credit report, and that I would be unable to receive a digital copy. I logged on to " myEquifax '' XXXX tm ) to see if perhaps my security freeze might be preventing me from getting the digital copy. I clicked the " freeze '' button and was told, " We are temporarily unable to retrieve the status of your security freeze. Please click " Manage a freeze '' for more details. '' Clicking the button instructs me to " Please give us a call We can't complete your request at this time. Please call the Customer Care team XXXX ''. 

I called, and the agent I finally was connected to could not answer the simple question, " Does a security freeze prevent me from downloading my free annual credit report from XXXX? '' And the agent could not help me obtain the digital copy today as as I needed. 

This is now the second year in a row I have attempted unsuccessfully to obtain my free credit report electronically.
Product: Debt collection

I received a phone call from a Debt collector from Colorado ( phone # XXXX ) and I asked them to Stop calling. ( They've got the wrong person!!! The XXXX calling Itself XXXX with XXXX XXXX called me back and left me a lengthy, DEMANDING message giving ultimatum that I should Call XXXX xt XXXX TODAY to talk to her! The XXXX said this message is for " XXXX XXXX ''. I am NOT that XXXX they are looking for, This is NOT XXXX  or XXXX XXXX # there may be a Last name resemblance but not all XXXX XXXX XXXX are the same! They probably dug my # from the Internet thinking I am related to the debt owner that did not pay it's debts. I have a perfect credit with 800+ score and pay my bills on time, I don't owe anybody jack! This XXXX  better STOP BOTHERING ME and calling my Cell repeatedly for some XXXX XXXX debt. I am Not providing my address or email or phone number in the required fields as I don't want the debt collectors to access my other personal contact Info and gain more ways to contact and harass me. This is a Complaint to let you know that the WRONG person is being Harassed by debt collectors..
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit I realized that my score constantly going down I have nothing outstanding I tried to pay down all my credit cards very low balance.XX/XX/XXXX XXXX XXXX I called Equifax to discuss my credit. Agent XXXX with id number he quoted to me XXXX came on the phone asked me how can I help me I told him I am calling to verify some things on my report. Before he verify my information he asked me where I got my score from I told him I am a victim of identity thief and as a result I do get a report monthly. he started chastising me that I need to get a financial adviser to discuss my credit. I explained to him I don't need one what I need is some explanation of my credit. And how can you just start advising me even before you verify the authentication of who I am. He got very mad start asking me some very personal question, that I have never being asked as a customer who is an identity thief victim. One question was I asked was named all the loans I ever had, Where I worked, company name, and what I do, how many bank loans I ever have or had, I answer questions to the best of my ability, he then remarked to me you have not answered my questions correctly I can not assist you. I asked to speak to a supervisor, he then put me on hold then came back saying I am the supervisor and he can not verify who I am so he cant help me. When things are reflecting my credit. which I need clarification about.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
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. 

Account Name : XXXXXXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX XXXXXXXX : Account Number:XXXX Account Name XXXX XXXX XXXX  XXXX : Account NumberXXXX Account Name : XXXX XXXXXXXX : Account Number:XXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 obtained my quarterly credit report and observed a student loan being reported that was not mine. I field a dispute with the credit bureau and called the phone # listed on the credit report. I was told the name ( my name XXXX ago ) Acct #, address ( my address XXXX ago ) and told that I have to call student aid to get it removed. I called student aid, they told me I have to file with federal trade commission, which I did and Consumer Financial which I am now. I also filed a report with our local sheriffs office. everyone is interested in gathering information NO ONE is assisting in getting resolution.

This is our Gov at work. Gov loans should require valid photo ID and documentation before approving a loan.
Product: Credit reporting or other personal consumer reports

Experience with experian giving incorrect information and not deleting or investigating my report
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX XXXX After looking at my credit report I notice that I have a hard Inquiry on my credit report that I do not recognize, and I did not approve of it. I did not sign for this, or apply for anything of this nature. I have tried contacting them. I haven't gotten a response. Please investigate and get this item removed from my credit report asap. The credit card company, or bank is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX ) XXXX date opened XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I closed my constant credit line in late 2021 The account is still showing open. I have tried calling but have been unable to reach a resource who can help. Hold times are 30+ minutes. Ive tried going in the XXXX office and they tell me the account is closed and there is no further action needed. However my most recent credit report still shows it as open.