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

Please read attachments from FTC report for more detailed information : I hope this correspondence finds you well. I am writing to bring to your attention a critical matter concerning my credit report. It has come to my attention that there is information on my credit report that has resulted from an unfortunate incident of identity theft. I have not provided any written permissions or instructions for the identified transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be reported on my consumer report. Hence, I kindly request your prompt assistance in blocking and deleting the reporting of this unauthorized information. 

I want to emphasize that my request to block this information is not being made in error, nor is it based on any material misrepresentation of fact on my part that is relevant to blocking the identified transactions. It is crucial to note that the identified transactions do not pertain to any transaction made by me as the consumer. 

As an esteemed credit reporting agency, I trust that Experian understands the gravity of identity theft and the potential repercussions it can have on an individual 's financial well-being and reputation. I kindly request your immediate attention to this matter to rectify the inaccuracies on my credit report.
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
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX Dear Sir/Madam, I am writing to dispute late payment information that is appearing on my credit report. I believe this information to be inaccurate, and I am requesting an investigation under the provisions of the Fair Credit Reporting Act ( FCRA ). 

According to my records, the following late payments appearing on my credit report are incorrect : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Reporting Date : XX/XX/2023 Alleged Late Payment Date ( s ) : XXXX, XXXX and XXXX As per the FCRA, I am entitled to dispute incomplete or inaccurate information on my credit report ( 15 U.S.C. 1681i ). I request that you conduct a thorough investigation into these late payments to verify their accuracy. If these late payments can not be verified, they should be promptly removed from my credit report as stipulated by the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ).

Additionally, the FCRA grants me the right to request the method of verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Upon conclusion of your investigation, please provide a detailed description of the procedure used to determine the accuracy and completeness of these items.

Furthermore, if the investigation does not resolve the dispute, I request that you furnish a statement to that effect to all recipients of my credit report as required by 15 U.S.C. 1681i ( c ) of the FCRA.

Enclosed, you will find copies of documents supporting my position. Please note that the FCRA requires you to complete the investigation within 30 days of receiving this dispute ( 15 U.S.C. 1681i ( a ) ( 1 ) ).

I appreciate your prompt attention to this matter. Please confirm in writing that you have received this dispute, are conducting an investigation, and will remove these items if they can not be verified.

Thank you for your cooperation. Should you require additional information, please feel free to contact me at XXXX or XXXX Yours sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor XXXX XXXX XXXX is unreachable in response to a collection amount of {$720.00} reported on my credit as of XX/XX/XXXX 

I am unaware of this debt and and am in process of home loan qualification and I need assistance to have this information removed from my credit report.
Product: Credit card

I have a charge on my XXXX XXXX for {$1500.00} on XX/XX/22 on my XXXX XXXX it was made processed by square merchant sales, I disputed this with the merchant the funds were refunded back to my XXXX XXXX, but the funds never arrived or dropped? Attached you will find the charge on my statement.
Product: Mortgage

I have a mortgage for my primary home through Freedom Mortgage based our of NY. I have been paying them on time for the last 5 years with a Direct deposit on the last day of the month without a miss. 
Last XXXX, they categorized one of the payments into suspense and marked my regular mortgage payment late. 
Since then, they did not want to acknowledge the error and correct the statement because of which I am not able to refinance. 
I tried working it out with the company for last 6 months with no success!!!!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to bring your attention to an issue with the accuracy of my consumer report, which violates the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to ensure maximum possible accuracy of the information they report. 

I have noticed that the account reported by XXXX XXXX is erroneously marked as a " Charge Off. '' Please be advised that under the FCRA, a " Charge Off '' can only occur once. The repeated or inconsistent reporting of this status is inaccurate and misleading.

I request that you : Conduct an immediate investigation into this matter.

Verify the accuracy of the " Charge Off '' information with XXXX XXXX. 
Correct or delete the inaccurate information from all of my consumer reports if XXXX XXXX can not substantiate the accuracy of their reporting. 
I expect this issue to be resolved promptly, and I request written confirmation of the investigation and any corrections made to my report. Please note that under the FCRA, I am entitled to a response to my dispute within 30 days. 

Thank you for your prompt attention to this matter. If you need further details or documentation from me to assist with your investigation, please do not hesitate to contact me. 

Sincerely, XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

This letter is not a refusal to pay but a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide : Proof that this debt is mine and legally enforceable.

The original signed agreement or contract linking me to this account. 
Documentation showing the full history of the debt, including the original creditor. 
Any judgments, insurance claims, or assignments of the debt. 

Until you provide this information, you must cease all collection efforts and remove any negative reporting from my credit file. If you can not validate this debt within 30 days, I request that it be permanently removed from my credit report.
Product: Mortgage

I came upon difficult financial hardship after going through a divorce and then losing my job in XXXX due to Covid 19. I feel increasingly behind trying to pay my bills and food. I contacted Amerihome during this time to see if there were any solutions or options that would help me keep my home. I was looking for work but due to the pandemic it was very difficult. Amerihome did not offer any options of forbearance or loan modifications. I was told I had to pay the arrears which left me hopeless. Amerihome was not helpful at all.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. 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 and 15 USC 1681XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, Experian. XXXX, Experian has violated my consumer rights and violated federal law. This is multiple times now in an attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and permanent deletion of the fraudulent accounts and inquiries listed below from my credit file. These entries are the result of identity theft, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items removed.

Fraudulent 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 XXXXXX/XX/XXXX
Product: Mortgage

We are requesting Postponement of foreclosure auction which is on XX/XX/XXXX so we can complete the short sale. We currently have a signed offer to do the short sale and have submitted to the mortgage company a short sale package, but they are not cooperating. Owner/occupant is XXXX XXXX XXXX and has been living in the home since XXXX, XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX ( Date ) XX/XX/XXXX Transunion XXXX. XXXX XXXX XXXX, PA XXXX Last four digits of social security number : XXXX To whom it may concern, Im writing this letter to dispute the following.. 

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : Name : Full Address :
Product: Payday loan

I obtained a pay day loan from XXXX/XXXX/XXXX from Money Mart. The online application asked how often I was paid to indicate my repayment date. My next payday was XXXX/XXXX/XXXX and money mart pulled the funds from my account on XXXX/XXXX/XXXX causing XXXX overdraft charges in the amount of {$70.00} total and return check fees on my money mart account. I have since had that payment reversed as I should not be impacted as a consumer because there is a glitch in their system. I spoke to Money Mart 's online department many times and requested for a supervisor to return my call. I have yet to hear from a supervisor. I have received mutiple autodialer calls from money mart daily from multiple phone numbers to collect the debt. I have let Money Mart know my intention to file claim with CFPB and requested no additional autodialer calls and I was told I would have to send cease & desist to their support department. I advised that I wanted my cell consent to be removed and they declined to stop the calls. I have answered some of the calls requesting to speak to a supervisor and have been sent to a line that just rings and rings. My account has been documented by the online department of my dispute and that this was a glitch in their system that it still processed my repayment without recognizing my next paydate.
Product: Checking or savings account

Yes from XX/XX/XXXX until XX/XX/XXXX someone had stole my debit card and used it to make multiple atm withdrawals without my permission they ranged from {$200.00} to {$500.00}. My debit card was stolen and someone made withdrawals that I did not authorize. My account was credited back with the money that was stolen but later just a few days ago it was taken back without any alert of any kind. This is very unprofessional. I alerted the company within 3 business days of finding out that my account had been compromised. It was around {$3000.00}
Product: Credit reporting or other personal consumer reports

The late payment was done in error, however, they now say that they can't correct it because it is seven years old. I spoke with them in XXXX and was told it would be removed. 2 1/2 years later it is still there.
Product: Credit card

In XXXX of this year, I called BMO to close the credit card account, they agreed to send a refund check to me which included {$27.00} for a 'fee ' that was that was their error and they acknowledged the error in a letter. The {$27.00} plus the remaining rewards amount which was between {$11.00} to {$14.00}. was to be refunded to me. The BMO credit card representative explained it would take about 2 weeks to process. 

I never got the check from BMO. 
I called to find out the status on the following dates the answer was it was being processed : XXXX, XXXX, XXXX - BMO said it was sent out again XXXX Upon calling on XX/XX/XXXX, the BMO rep told me it was only a check for XXXX and the check cleared on XXXX. I asked why they didn't let me know when I called before? They said the information was just available. I want to see the endorsed copy of the check or get the refund check sent to me ASAP.
Product: Checking or savings account

Your bank has handled my identity theft in an unprofessional and frankly embarrassing manner. My father served in the military for me to have the privileges such as membership with your credit union and this is not what he would have envisioned for me to occur while doing business with your company. 

I have attached my Identity Theft Report which has further information. 

As mentioned in my identity theft report and correspondences with Navy Federal Credit Union, there were discrepancies with the way my case was handled. One representative ruled in my favor and another did not. ; unfortunately, the bulk of the charges were denied. It caused me a five figure loss of funds, my Navy Federal checking account to be overdrawn, and due to that denied for other products from Navy Federal although my FICO scores range from XXXX to XXXX depending on the scoring model. 

I want these decisions to deny my fraud claim ( s ) reversed immediately and all fraud charges refunded to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2021. And now we are in the month of XXXX 2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX US DEPT ED XXXX US DEPT ED 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
Product: Debt collection

My HIPPA rights have been violated and I have not received any documentation from this agency regarding this account from Miramed Revenue Group. They are reporting on my credit report a balance of {$110.00} and due to Covid-19 I can not afford to pay this bill or any others that I am not aware.
Product: Credit reporting or other personal consumer reports

This is the response from the Chime department and when I called to get the information on how to remove or pay I spoke with XXXX the customer service agent at XXXX and I know calls are recorded and she says the balance is XXXX. But how is it that it is reporting as collection/charge off. But you are saying here with your response to cfpb case : Dear XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  is in receipt of the complaint you filed with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX. In your complaint, you expressed concern regarding the account information furnished to the credit reporting agencies by XXXX and you would like for them to be updated. XXXX is a financial technology company, not a bank. Banking services provided by XXXX XXXXXXXX XXXX XXXX. or XXXXXXXX XXXX XXXXXXXX, XXXX FDIC. We take all matters which affect our XXXX members very seriously. XXXX XXXX XXXX. serves as the issuer of the XXXX XXXX XXXX account and as such, takes the matter of your complaint very seriously as well. We conducted an investigation to better understand the full scope of this matter. The following is a summary of our findings. A review of our records determined that we began furnishing information on your XXXX XXXX XXXX account to the credit reporting agencies in XX/XX/XXXX and last reported the account in XX/XX/XXXX. XXXX reports information accurately to the three major credit bureaus. Our records indicate your account is being reported accurately. To remain fair and impartial to all our members, we are unable to modify our credit reporting procedure. Please feel free to contact XXXX XXXX Services at XXXX if you feel that this issue has not been resolved, or if you have additional questions or concerns. Sincerely, XXXX XXXX XXXX XXXX XXXX. This is inaccurate and according to 15 USC 1681n ( civil liability for willful noncompliance ) and if that is the case you knowingly is and saying one thing and credit report is saying another. XXXX rep said that the account says XXXX and should be reporting as such and told me to dispute with the credit bureaus and they suppose to remove it. At this point if that is the case it needs to be removed asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several disputes with XXXX, Experian, and XXXX regarding XXXX XXXX Credit Card ( XXXX ). I entered into a payment agreement for {$59.00} a month. XXXX has not been reporting payments each month and continues to report the account LATE and Charged OFF. The company is furnishing inaccurate information and has violated several FCRA rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report inaccurate information on my credit report. I have filed a police report and have forwarded it and they still continue to report this inaccurate information. They also will not allow me to file my dispute on line.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the Credit Bureaus about the XXXX XXXX XXXX accounts on my report on XX/XX/2022. I sent a photo copy of the receipt that shows that the balance was paid in all accounts totaling {$780.00}. The receipt also shows the account number provided by XXXX XXXX XXXX. They told me that it takes about 30 days for their system to update. I called Equifax and XXXX on XX/XX/XXXX as the accounts were still being reported as verified and accurate I submitted another dispute with all bureaus only to still be told that its being reported as accurate. I also have a confirmation number that I submitted on both dates. Im addition I submitted the payments listed by the original creditor that shows that a collection agency payment was received and the balance is now {$0.00}. Ive contacted XXXX XXXX XXXX directly on XXXX XXXX and spoke XXXX who told me that they have reported these collection items as paid. I am unable to obtain any credit or new credit due to this false reporting.I received notification on my last dispute on today XX/XX/2022 that the debt and amount being reported has been verified as accurate and correct