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

I need to verify all of the details of this account you are reporting because not only I did not give anyone my personal information I am utterly speechless and confused at the same time on how you got my information and the audacity to report this unknown account in my credit report.
Product: Checking or savings account

They put my account in free in XXXX. Then XXXX they informed me they would be closing. XXXX  account. They said that they would issue me a refund for anything left over and the credit card account however they would not refund me for anything in my checking account which was around {$3800.00}. The reasoning is because that could not verify where the money came from. I sent them all the documentation that they asked for. I can absolutely verify where it came from. This is theft and I want my money back
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 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax in regards to an account that appears on my credit report that doesnt provide any details. It doesnt say who is reporting or an account number. I called them and they refused to give me information about this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I requested a method of verification from Equifax for the dispute investigation results for XXXX XXXX  confirmation number # XXXX dated XXXX, and the dispute investigation result for XXXX XXXX confirmation number # XXXX dated XXXX. 

The attached letters are dated XXXX and was sent certified receipt mail, in which Equifax received XXXX per the attached tracking records. Per my attached method of verification request I was very specific of my request. 

According to many federal laws, such as FCRA and 15 U.S. Code 1681i ( 6 ) ( B ) ( iii ) 1. A notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency And ; 15 U.S. Code 1681i ( 7 ) A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

I have yet what was requested in my attached request, it has passed the 15 day mark allotted by law. Equifax in now in noncompliance with federal regulation made to protect consumers.
Product: Checking or savings account

My account has been put on freeze with my funds in it and I am told to come in person at a branch to lift it. I am currently outside the country and need to access my funds to be able to do anything, but the bank will not give me any reasons for the restriction or accommodate my situation.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all 3 CRAs and they refuse to dispute or investigate the inquiries. Attached is a FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries : Except as provided in the section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent letters to all three reporting agencies as well as the original collectors, the time of which these items are to be reported has expired over 8 years. Legally under the fair credit reporting act 7 years is the deadline in which these companies can report on the credit after the account has been closed. It has been almost 10 years now and they after many letters are still reporting and not taking into the account the laws in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 Personal Loans from XXXX XXXX XXXX was recently paid off. The team @ XXXX indicated that they've provided updates to the ( 3 ) credit reporting agencies about the paid-off & closed account status ' however XXXX for example, has informed me that the status of my XXXX accounts will remain unchanged showing both accounts open with a current balance as per the request from XXXX.

Please see the attached email from the office of the CEO @ XXXX confirming the accounts were paid in full, closed, and the credit reporting agencies were notified. 

The delay in updating my credit report showing a {$0.00} balance and closed account status is delaying my ability to complete the refinance of my mortgages since my credit report has incorrect information about the total amount of debt I currently have from the opened accounts. 

Account # : Loan XXXX # XXXX Loan XXXX # 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 : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Debt collection

I have student loan that had defaulted and was turned over to Premiere of North America LLC. Arrangements were made for me to pay {$140.00} dollars each  month for 10 months. After 10 months of payment, my loan would be in a current status. These arrangements were set up automatically to be withdrawal from my checking account monthly. Payments started to come out of my checking account automatically, but then the payments stopped. When I contacted Premiere @ XXXX, I was unable to get through ( constantly on hold and then the line would disconnected XXXX to speak with a representative after several attempts. After calling Premiere for several weeks, I finally received a recording stating that they were no longer handling my account and the call was automatically transferred to the XXXX XXXX XXXX ( XXXX ). After speaking to a Representative, I was told that there was a dispute going on between Premiere and XXXX XXXX XXXX XXXX and that they could only accept payments but because no paperwork from Premiere was forwarded to them, they could n't honor the payment arrangements that was made with Premiere and they could n't off their rehabilitation program because it is only offered once in the lifetime of the loan. I asked for a settlement amount, the representative told me that I need to contact Premiere. I confirmed with the agent that they were aware I was getting referred back to their office. The agent stated that is what he was told to say. I am wanting my name removed off of the CAIVRS list because I have been paying as agreed. I am also requesting that the XXXX XXXX XXXX honor the payment arrangement that was set up with Premiere.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  LAST SS # XXXX Whom It May Concern : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account, thus the debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX OPENED XXXX XXXX {$910.00} XXXX XXXX XXXX OPENED XXXX XXXX {$61.00} XXXX XXXX XXXX OPENED XXXX XXXX {$48.00} XXXX XXXX XXXX {$1100.00} I have enclosed a copy of the Federal Trade Commissions Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform [ business where the account was opened ] that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Product: Credit reporting

This letter is a formal complaint that you are reporting inaccurate credit information According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( 611 ) ( a ) ( 7 ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof. 
I demand the following accounts be verified or removed immediately. 
XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I CHECKED MY REPORT AND SAW INACCURATE ITEMS REPORTING. SEE ATTACHED.
Product: Credit reporting or other personal consumer reports

TRANSUNION HAS REINSTATED THIS inaccurate item on my report that has a high credit limit of {$7500.00} this information is in violation of the FCRA and is not 100 % fair or accurate I am requesting the original instrument of indebtedness and demanding that this item be removed from my credit report immediately if this request cant be met. 


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

I have spoken to Lexus nexus Multipke times. XXXX XXXX at XXXX and XXXXhe assured me they would mail it out and did not. I also asked to have it mailed by US Certified mail. I need my background check and creit report and score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THIS FRADULENT ACCOUNT AND STILL THIS COMPANY HAS NOT REMOVED THIS FROM MY CREDIT REPORT. 
ON XX/XX/XXXX I RECIEVED A LETTER FROM TRANSUNION STATING THAT THE INQUIRY WAS REMOVED FOR THIS NEGATIVE ACCOUNT BUT THE ACCOUNT ITSELF IS STILL SHOWING UP. I HAVE ABSOLUTELY NO KNOWLEGE OF THE ACCOUNT LISTED. I HAVE ALSO ATTACHED A COPY OF MY POLICE REPORT. 

XXXX XXXX Balance {$3600.00} Balance Updated XX/XX/XXXX Credit limit {$3000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account Payment summary No payments have been reported on this account. 
Status Charged off as bad debt Status updated XX/XX/XXXX Past due amount {$3600.00} Highest balance {$3600.00} Monthly payment - Additional info Responsibility Individual account Terms- Company sold - Original creditor - Comments Dispute resolved reported by grantor Your statement- THIS COMPANY HAS REMOVED AN INQUIRY IN REGARD TO THIS ACCCOUNT BUT DID NOT REMOVE THE FRUADLENT ACCOUNT WHICH I HAVE A COPY OF ALSO ON FILE
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing concern regarding an inaccurate late payment entry on my credit report, which HAS NOT BEEN CORRECTED DESPITE MULTIPLE REQUEST FOR RESOLUTION. This matter pertains to an alleged late payment of {$3200.00} on XX/XX/2022, as reported by XXXX XXXX with account # XXXX. I wish to emphasize that this late payment entry is in error, and I have provided substantial evidence demonstrating my consistent, on-time payments to XXXX XXXX XXXX Despite my previous communications and the supporting documentation I have submitted, the inaccurate late payment entry persists on my credit report. Please have this account REPAIRED : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was scammed into transferring money via a XXXX transfer. I never even heard of XXXX or asked the bank to place XXXX on my account. On Monday, XX/XX/2022, I received a text from a scammer who pretended to be from Wells Fargo ( please see below ) asking if I was intending to transfer {$3400.00} via XXXX and asked me to respond YES or NO. I responded NO and the scammer then phoned me and said he worked for Wells Fargo and I needed to log into my account to reverse the charges back into my savings account. I did as he said and had no idea, I was transferring money to him, not reversing the charges back to myself. As soon as I hung up, Wells Fargo called me and asked the same question. Was I transferring {$3400.00} out of my savings account? I said, no, however, I just spoke to someone from Wells Fargo and they fixed the issue. The woman from Wells Fargo then informed me that I was scammed. At that point, she was able to stop the {$1400.00} transaction, but was unable to stop the {$100.00} transaction. I filed a false transfer claim with Wells Fargo and was denied ( claim # XXXX ) as I was told that I have no protection with XXXX transfers. Banks should not be able to place anything on an individual 's account, such as XXXX, unless they get permission to do so especially if they do not protect the consumer from scams. I was never told anything about XXXX, therefore, was easily scammed because I was never educated about this transfer process by Wells Fargo. I work extremely hard for my money and can not afford to lose {$1000.00}! I hope you can help, however, if you are not, please let me know if this is something I can take to small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Credit reporting or other personal consumer reports

Bridgecrest is reporting a 30 day late to all credit bureaus for my XX/XX/XXXX payment. My XX/XX/XXXX payment was XXXX on XX/XX/XXXX and paid on XX/XX/XXXX. While this was late and I incurred a fee, it was 29 days late not over 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 credit plus did an inquiry into my credit report without any authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried disputing a credit card thats on my credit from Bank of America that has been on my credit for 7 years and 1 month now and they still have not removed it I tried disputing with the three credit bureaus but they dont change it or fix it under the fair credit reporting act this should no longer be on my credit after 7 years and I want it removed immediately please.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is illegally reporting my experience with them in regard to both my car loan and the account I am currently an Authorized User on. 
FRCA 15 U.S. Code 1681a 2 ( A ) ( i )
Product: Credit reporting or other personal consumer reports

Subject : Response to Your XX/XX/year>, Letter and Continued Dispute of Reporting To Whom It May Concern, Thank you for your response dated XX/XX/year>, regarding my CFPB complaint and the reinvestigation of the disputed accounts. While I acknowledge your efforts to address my concerns, your response fails to resolve the issue of frivolous and inaccurate information being reported on my consumer record. 
In your response, you indicated that the reinvestigation process has been initiated or completed for accounts associated with XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX XXXX. However, I must emphasize : XXXX. Account Inaccuracies : XXXXXXXX XXXX has confirmed that the disputed accounts were closed and purged and that they no longer report to XXXX. Despite this, these accounts continue to appear in your records. This demonstrates either a lapse in communication between EWS and reporting institutions or a disregard for your obligations under the Fair Credit Reporting Act ( FCRA ). 
XXXX. Incomplete Removal Process : Your acknowledgment that EWS can not remove records without reinvestigation is understood. However, the fact that XXXX XXXX XXXX and XXXX XXXX have completed their reinvestigations and asserted accuracy conflicts with documentation in my possession demonstrating errors in account status and history. 
XXXX. Failure to Uphold Accuracy Standards : The FCRA obligates EWS to ensure the accuracy, fairness, and privacy of consumer information. Persisting with incorrect or outdated information undermines these standards and has caused me significant financial and emotional harm. 
Given the unresolved nature of this dispute, I am taking the following actions : Request for Rebuttal Filing : I will submit a detailed rebuttal statement for inclusion in my consumer file, highlighting why I disagree with the reinvestigation findings. 
Submission of Supporting Documentation : Additional evidence demonstrating the inaccuracies in the disputed accounts will be submitted for review. 
Preparation for Legal Action : If these records are not corrected or removed promptly, I will pursue legal action for damages caused by EWSs negligence in reporting and reinvestigation. 
The ongoing inclusion of inaccurate information in my consumer report is a direct violation of my rights under the FCRA, and I will seek compensation for the financial and reputational harm incurred. I also intend to escalate this issue further with the Consumer Financial Protection Bureau and other regulatory bodies if necessary.
Product: Credit reporting or other personal consumer reports

An inquiry from Ally Financial appeared on my credit report due to an assessment conducted by XXXX XXXX XXXX when I was purchasing a vehicle. They ran the report to determine which company could offer a car loan, even though I ultimately financed my car through XXXX XXXX XXXX and did not require XXXX XXXXXXXX services. I subsequently reached out to Ally Financial, requesting that they remove this unnecessary inquiry from my credit report. Despite my efforts, I have not received any response from them regarding my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these unauthorized inquiries to be authenticated ( A ). I will take legal action against you if you do not delet these inquiries. Please follow the law so that this situation can be settled quickly. 

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