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

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX **** Balance Owed : {$0.00} ; XXXX  XXXX **** Balance Owed : {$0.00} ; XXXX XXXX **** Balance Owed : {$0.00} ; XXXX XXXX **** Balance Owed : {$0.00} ; XXXX XXXX **** Balance Owed : {$0.00} ; XXXX XXXX **** Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$540.00} ; XXXX  XXXX Balance Owed : {$7600.00} ; XXXX XXXX Balance Owed : {$290.00} ; XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX  Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX//19 I tried to request a hard copy of my 3 credit reports from " XXXX '' and had to call 4 times due to the automated system not " understanding '' or my birth date was requested repeatedly until I had to close the call. Uncertain of whether they had the correct information, I requested to view my credit reports online which I learned never to do again. I am a victim of identity theft and due to too many personal questions when I need to make doctor 's appointments as well as the XXXX disaster I froze my credit reports. I requested to view all three bureau 's reports and was able to view XXXX 's report which was fine but when I requested to view my TransUnion report I was asked security questions one of which was ridiculous. The question was a telephone number I used with a land line for a brief time but it has been ten years since I closed my land line account and use only my cell phone from that time to the present. TransUnion refused to let me view my report on line and " alerted XXXX  to block me. When I viewed my history page I was enraged when I read " fraud alert! Fraud alert! They placed a fake fraud alert online due to one inappropriate question and there was no one to contact to correct the situation who understands XXXX English at their off time customer service number ( this was a weekend ). Today I could not get a number in the USA to speak to a fellow citizen which is outrageous. As an American citizen I truly resent a corporation who hides their phone numbers here in the states. Online all they want is to sell some service I neither want nor need-why waste time with a person they can't make money from??? This is a truly " dark '' moment for XXXX Civilization and I'm aware of it's painful demise. Trans Union was once a lovely company but now they seem to be in hiding. They need to undo any damage they caused with the fake online " fraud alert '' created by an over zealous employee! I had a similar problem with their overseas employees several years ago! they must make USA phone numbers available! No one in XXXX or XXXX who works for them would give me a USA number.I feel abused and the treatment I received was contemptible. An apology would be nice but I doubt that will happen unless I pay for it. Horrible!
Product: Credit reporting or other personal consumer reports

Complaint Against XXXX XXXX XXXX XXXX and Experian for Inaccurate Credit Reporting To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX XXXX and Experian regarding the inaccurate verification and reporting of an account that does not exist in XXXX XXXX system. 
On XXXX XXXX, 2025, at XXXX pm, I contacted XXXX XXXX XXXX XXXX to obtain information about an account that was supposedly verified by Experian and reported on my credit file. However, after multiple inquiries, XXXX XXXX stated that they could not locate any record of such an account in their system. This raises serious concerns regarding Experians verification process, as they have allegedly " verified '' an account that the original creditor does not even recognize.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes an item on their credit report. In this case, Experian has failed to uphold this obligation by verifying an account that does not exist, thereby violating my rights under federal law. Furthermore, under FCRA 605B ( 15 U.S.C. 1681c-2 ), any inaccurate or unverifiable account must be promptly removed or updated.

I am requesting the following actions be taken immediately : 1. Experian must update the account to reflect a XXXX balance and remove any negative reporting associated with it and closed paid as agreed. 
2. XXXX XXXX XXXX XXXX must provide a formal response confirming that they have no record of this account. 
XXXX. A full investigation must be conducted to determine how Experian was able to " verify '' an account that does not exist within the creditors system. 
This misreporting has caused undue harm to my credit profile, and I demand immediate corrective action in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). If this issue is not resolved in a timely manner, I will consider escalating the matter further, including filing complaints with the Federal Trade Commission ( FTC ) and pursuing legal remedies. 
Sincerely, XXXX 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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: Credit reporting, credit repair services, or other personal consumer reports

Eqifax has an address on my personal information that I have never lived at. The address is XXXX XXXX XXXX XXXX Kentucky. I know there are two other XXXX XXXX in that area. They are father and son. XXXX and XXXX. Im not sure which one lived at that address but I think it may be affecting my credit score since one or both of them may not have good credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a letter to the XXXX, Equifax, and XXXX Credit Bureaus last XX/XX/XXXX, requesting the verification and deletion of the accounts and information on my credit file which I found to be fraudulent items. Upon reviewing a copy of my updated credit report, the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus and yet I received nothing. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act sections 605n, within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Let me remind you that under the Fair Credit Reporting Act section 605b, you are expected to remove the disputed accounts and information off of my Credit File as they resulted due to identity theft. If you claim the items are accurate and verified, send me copies of proof or any documents supporting your claims. If you are unable to provide such documents, I need you to remove the disputed items immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX I had opened an account through my XXXX office with XXXX XXXX in XX/XX/XXXX, I also co-signed for my wife 's account with for the same purpose at the same time. During the course of payments in XX/XX/XXXX XXXX posted pymts to my wife 's account, as opposed to mine, in the months of XXXX, XXXX & XXXX of XXXX. 

In XXXX of XXXX I spoke to them and they had in fact seen the error. I paid the account ( XXXX ) off in full XX/XX/XXXX to avoid any further issue. I was told by their rep, at that time, that I would receive a credit of XXXX for the late fees placed on the account due to their error ( which they applied on XX/XX/XXXX, and that the late payments showing on my credit report would be corrected. Actually, they said that the account would be bulls-eyed and that I should no longer see the account on my credit report after XX/XX/XXXX. I don't know what XXXX meant, but I was assured it would be corrected. The account had not been reported to the three major credit bureaus after that time as the last reporting was in XX/XX/XXXX. 

Unfortunately, after paying for credit monitering with Experian, I noticed the account was still showing incorrectly on my credit reports and asked for an investigation. Now after 2 investigations, and a whole lot of the blame game and which entity is responsible ( I was told - call the creditor - no - call the credit bureau ). And after showing proof of my claim, I still can not get the information to get corrected and XXXX XXXX, whose rep 's have been extremly rude, and Experian, whose rep 's seem to read off a pre-talking point memo, are refusing to correct the information. 

This is severely affecting, my otherwise, perfect credit, through no fault of my own.
Product: Mortgage

Roundpoint Mortgage Servicing ( NMLS ID XXXX ) refuses to apply my payments as directed. <P/>They took over my loan XXXX XXXX of 2017, and after a very slow process to get my loan on-line, I have been attempting to make payments. <P/>Due to their ridiculously slow processing, I made initial principle payment prior to any statement. On my check I stated it was a principal payment. <P/>Since XX/XX/XXXX, I have used their supplied statement to designate how I wish for the funds to be applied. I would include mortgage payment plus additional principle. <P/>When I went to check my account, I found that they had not followed directions at any point during the process. The principal payment was assigned to monthly mortgage payments and the monthly payments were assigned as principal. Evidently, they failed to read any payment slip and just deposited the funds however they wished. <P/>I called numerous times, but was never assisted. I finally, sent an e-mail to their assigned ombudsman in XX/XX/XXXX. The ombudsman corrected the original errors to some degree, but now I find that they have misapplied my funds again for XX/XX/XXXX. <P/>I have contacted the ombudsman again on XX/XX/XXXX, but have not received a response. <P/>Their failure to follow instructions is adversely affecting my credit rating.
Product: Vehicle loan or lease

On XX/XX/XXXX I cancelled the prepaid maintenance plan that I purchased with the car on XX/XX/XXXX. Per the contract, I am to receive a pro-rated refund for the months not used. I paid {$2000.00} for the maintenance plan. There were 15 full months left in the plan term. At {$58.00} per month, this amounts to {$870.00}. There is a {$25.00} cancelation fee stipulated in the contract, so the refund I should have received is {$840.00}. The contract states that this refund will be received within 30 days of cancelation. It is now XX/XX/XXXX and I have not received a refund. Not only that, but the amount I was told I will be getting back is {$790.00}, which is {$58.00} ( rounded ) less than the calculations based on the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt Authorize this company to run my credit On XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX To TransUnion Dispute Department DELETE XXXX XXXX XXXX because of multiple inaccuracies. 1. In the account number sections of this listing their are 3 different account numbers reporting. TransUnion is reporting XXXX*** as the account number. XXXX is reporting XXXX** as the account number. However XXXX  is reporting XXXX***. These account numbers are inconsistent. 2. In the Last Payment section of this listing. TransUnion and XXXX is reporting XX/XX/XXXX for last payment made. However, XXXX  is reporting XX/XX/XXXX as the last payment date made. These dates are inconsistent. 3.  In the Date Opened section of this listing. XXXX and XXXX  is reporting XX/XX/XXXX for date the account was opened. However TransUnion is reporting XX/XX/XXXX. 4. This is a closed account that still is reporting current activity on it. How could this be. Dont you get your reporting from the same company? Please Delete Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX DOB:XX/XX/XXXX SSN # XXXX
Product: Checking or savings account

XX/XX/XXXX I received 6 calls from CHASE BANK while working a shift. 5 of the calls I ignored around XXXX pm. The 6th call around XXXX PM I answered simply by being annoyed and assuming it was something important. The female caller introduces herself as CHASE BANK, the same as it showed on the caller ID. She then stated that there was a charge that was being made on my account in XXXX Arizona and they wanted to verify if it was me. I responded with a no, but it's believable because I just traveled from XXXX XXXX two weeks before I got the call. She proceeded to verify my name and address to gain my trust. The female caller then suggested a PIN reset to protect my account. Before the reset, she texted me a six digit code to verify it was me. The message popped up at the top of my phone. I read what popped up & provided it to the representative. I did not read the text in its entirety because again, I was busy at work. The representative then thanked me for the verification and then stated, " In order to do the PIN reset I need you to verify your current one. '' I verified, not thinking too much into it because my physical card was on me. She then provided me a new PIN and closed the call by saying, " Thank you for being the best part of CHASE, have a great day. '' Around XXXX that same day my account was emptied, which was a total amount of XXXX dollars. I called Chase THAT SAME DAY to report the scam. The case was open for two weeks and then CHASE credit the funds to my account. A week later. on XX/XX/XXXX, the credit was reversed and CHASE simply said ... " We wouldn't call and ask for your information. So since you gave them your PIN we denied the claim. '' They directed me to police department for a police report. I faxed CHASE a copy of the police report and printed out a copy of all 6 phone calls I received on my phone from a CHASE bank number. The bank still refused to credit the funds despite having a " zero liability protection '' for their customers.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/XXXX I visited the Emergency Room at XXXX XXXX XXXX in XXXX  for a broken XXXX. My insurance policy requires a {$500.00} copay. My contract with my employer requires them to cover {$400.00}, which leaves me a balance due of {$100.00}. After my employer paid their portion by check, I received a bill for the {$100.00} balance. I paid the {$100.00} balance on XX/XX/XXXX using a credit card. Two months later I received notification in the mail my claim was sent to a collection agency for the {$100.00}. I sent them a cease and desist letter with proof I paid the bill and contacted XXXX medical. I received another collection notice a few weeks later. At this point, now XX/XX/XXXX of XXXX, I reached out to XXXX medical and explained again what happened. I dealt with XXXX XXXX XXXX. I Sent her a copy of the statement as proof of payment, the same as I had sent to the collection agency. She admitted I had proof I made the payment and couldnt figure out why XXXX was sending it to collection. XXXX emailed me she received the proof and would follow up. Having never heard anything from XXXX or XXXX medical again one would assume it was taken care of on their part. Until today XX/XX/XXXX I received a phone call from the collection agency attempting to take payment.
Product: Credit reporting or other personal consumer reports

problems : [ XXXX XXXX ] [ XXXX XXXX XX/XX/XXXXXXXX ] [ XX/XX/year> Experian XXXXXX/XX/XXXXXXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report To Whom It May Concern : I am writing to formally dispute inaccurate and incomplete information appearing on my Experian credit report. These errors have negatively impacted my creditworthiness, and despite previous attempts to resolve these issues, the inaccuracies remain unresolved.

Specifically, the following items on my report are inaccurate or unverifiable : 1 [ Insert account name number, and specific issuee.g., incorrect balance, status, or date of delinquency ]. 
2 [ Repeat for any other disputed accounts ].

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and complete credit report. I also understand that the Consumer Financial Protection Bureau ( CFPB ) has previously filed a lawsuit against Experian for systemic issues related to misleading credit reporting practices and failures to address consumer disputes effectively. It appears that similar systemic failures have impacted my situation.

I request that you : Conduct a thorough investigation of the items listed above. 
Remove or correct any inaccurate, incomplete, or unverifiable information. 
Provide me with a written explanation of your findings and any changes made to my credit report. 
Enclosed are copies of the following supporting documents to assist with your investigation : [ Copy of your credit report with the disputed items highlighted ] [ Copies of relevant correspondence, statements, or evidence to substantiate your claims ] [ Any other supporting documentation ] Please note that I am keeping a record of all correspondence related to this matter and am prepared to escalate this dispute if necessary, including filing a complaint with the CFPB or pursuing legal action to enforce my rights under the FCRA. 
I expect a resolution to this dispute within the 30-day timeframe mandated by federal law. Please confirm receipt of this dispute and provide updates at your earliest convenience. 
Thank you for your attention to this matter. I look forward to your prompt resolution. 
Sincerely, [ XXXX XXXX [ XXXX ] [ XXXX XXXX
Product: Credit reporting or other personal consumer reports

Apparently my Equifax account is again locked out and none of my information is accessible on the Equifax website. I get a very generic message telling me I must call Equifax but I spent over 60 days trying to have this corrected last year only to have it reoccur. According to Equifaxs response in early XXXX somebody apparently requested my account be disabled or closed but refused to investigate who requested it as I never did. It seems Equifax is apparently either doing this themselves or allowing people unmitigated access to my account and presumably information without even notifying me that changes are taking place.
Product: Credit reporting or other personal consumer reports

I am now requesting proof of previous investigation. I am asking that you send me your method of investigation. 

Along with records of whom you spoke with, their business address, name and phone number As well as documents that proves this account was late, including NOT receiving payment from a third-party online payment processor system If you can not provide me with this information within 15 days, please update this account to paid/never late and send me a copy of my updated credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX, and cancelled the account due to a move. They had on record that I did not return their modem, and charged me {$120.00} for it. The thing is, I returned the modem and have a receipt for the return and that it reflects no balance owed. 

They turned the account to collections, and it ended up on my credit reports. I successfully disputed it through XXXX by explaining and providing the receipt. I attempted to do the same for XXXX   and Equifax but it was rejected after investigation. 

I would like to have the incorrect information removed, as it is inaccurate and damaging.
Product: Credit reporting

my daughter is only XXXX years old. 
She has already received scholarship notifications. My wife shredded them. 
My daughter knows how to use the internet, better than I can. Equifax does not answer the phone. I will mail photocopies of the documents you require, as well as attach them to what ever this is. Thank you