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

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Complaint : XXXX XXXX XXXX : After paying to get my XXXX credit Scores and account information:1. Why is Transunion showing my fico score of XXXX, when XXXX shows XXXX, and XXXX shows XXXX? 
2. Why on my credit report is the foreclosed property from XXXX stillon Transunion reporting and it has been completely removed from XXXXand XXXX? 
3. As the consumer financial protection bureau knowsA : The mortgage abuses from XXXX and all banks and wall streetcaused this foreclosure and short sale nightmare. It was not causedby the millions of consumers in USA, or the millions living in XXXX. 
and XXXX county. 

4. Is Transunion willfully, maliciously abusing me and millions of other consumers? 
A : What criteria is Transunion using to have my fico score at XXXX vs XXXX?
Product: Credit reporting or other personal consumer reports

On XX/XX/2025, I recently viewed my consumer report which included inaccuracies. Employers and addresses were reporting to my consumer file that are unauthorized. I do not receive mail at these addresses nor have been employed by the companies.
Product: Credit card

I regularly monitor my credit report and noticed a l unauthorized inquiry from discover using my personal information on XXXX of this year. I immediately got in contact with discover only to find out it was initiated using my personal info. I never ever signed up for a discover credit card or any credit cards around that time since I had just turned XXXX and know I wont be approved for any credit cards immediately. It occurred on the date of XX/XX/XXXX. 2023. I have contacted the credit bureaus immediately after contacting discover and they couldn't help much.. Discover said that they will investigate it and get back to me. It has now been 6 months without any follow up/ update on this matter. I decided it was time to file a complaint through you guys since discover didnt acknowledge it and I respectfully request that you guys investigate this incident and take appropriate action to address this identity theft and prevent misuse of my personal information.
Product: Debt collection

1. Capital One Financial, XXXX, {$6600.00} 2. XXXX XXXX XXXX, XXXX, XXXX According to 15 USC 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I want XXXX XXXX per violation
Product: Mortgage

Mortgage servicer New Rez continually has billed my account with lender placed insurance, even though I have had consistently and without lapse, coverage through my insurance carrier, XXXX. 
Often times the monthly charge is over {$900.00}, typically per month it is over {$200.00}. 

I have emailed and reached out to them numerous times and provided proof of coverage to no avail. See attached supporting documents.
Product: Credit card or prepaid card

I just received a ReliaCard in the mail today. I never requested this and I contacted US Bank and asked them to cancel this account. They informed me to filed a complaint and notify the proper authorities. I did not call the number on the card or use the web site provided. I actually found an article from XXXX Colorado that was explaining this fraud issue and the article provided a valid number.
Product: Student loan

No counseling offered whatsoever for repayment due to still being unemployed.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with PORTFOLIO RC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit agencies has placed unauthorized collections on my account without my knowledge or consent! I never had an account with the following company before! Its causing harm to my credit which is defamation of my character.. 

-Collection : {$500.00} - XX/XX/202XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax on XX/XX/21 and they already finished their investigation on the same date. I do not feel they even investigated anything it was less then 24 hours and I feel this is unacceptable.
Product: Checking or savings account

Received a promotion from American Express Bank via email addressed to me personally where if you deposited {$25000.00} in a high yield account and kept it there for 3 months, then you would receive {$350.00}. I deposited the money back in XX/XX/XXXX and kept it there for the required time but never received the {$350.00}. when I contacted them, they said I wasn't eligible. I forwarded them the email I received saying that I was eligible. They received the email with the info but keep saying they have to investigate. I have contacted them 7 times since XX/XX/XXXX. I have spoken to numerous managers who just keep saying that they have to send their boss an email to investigate
Product: Debt collection

SANTANDER CONSUMER USA


Contact XXXX XXXX XXXX XXXX XXXX, TX XXXX
XXXX XXXX

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Debt collection

On XX/XX/XXXX, I contacted First Federal Credit & Collection ( FFCC ), a debt collection agency based in XXXX, Florida, to discuss an alleged medical debt of {$500.00} reported to the credit bureau in XXXX. That same day, FFCC wrote me an e-mail requesting that I provide them with a letter from XXXX stating that my son was covered on XX/XX/XXXX. FFCC also requested a copy of my son 's XXXX I.D . card and I.D . number. One month later, I received a phone call from FFCC  regarding the XXXX letter. I advised them that obtaining the letter was taking much longer than expected. 

On or around XX/XX/XXXX, FFCC reported a " late payment '' to the credit bureaus for the first time in four years. 

On XX/XX/XXXX, I e-mailed FFCC  a letter from XXXX dated XX/XX/XXXX stating that my son was eligible for continued coverage in addition to sending a copy of the XXXX I.D . and I.D . number. My letter also stated that my son resides in a group home and is 100 % the responsibility of the State of Florida, including all of his medical expenses. I immediately received a phone call from FFCC  advising that the letter from XXXX was insufficient because it needs to state that XXXX had coverage on XX/XX/XXXX. FFCC also threatened to continue to report the alleged debt monthly until paid. This threat was intended to coerce me into paying the debt by ruining my credit. I told FFCC during the phone call that the letter is sufficient proof that XXXX was covered on XX/XX/XXXX because the renewal Notices cover the entire year. I also advised that I was unable to get a letter from XXXX for a specific date as their computers are not set up to customize letters. Instead, XXXX provided me with a duplicate copy of the Notice of Action taken on XX/XX/XXXX. 

FFCC 's request for a letter from XXXX is merely a disguised attempt to harass me and force me to pay a debt that I do not owe. Indeed, the billing statement for medical services provided by FFCC shows that their client already billed XXXX for services on XX/XX/XXXX and XX/XX/XXXX. The last page of the billing statement shows that in both instances XXXX denied coverage because the primary insurance paid more than the allowed amount. Therefore, FFCC is already aware that my son was covered by XXXX on XX/XX/XXXX. Requesting the letter and continuing to report the debt to credit bureaus are just mechanisms for prolonging the matter to coerce payment for a debt that is not mine. 

FFCC  is, in fact, a dishonest company. For example, FFCC reported a balance owed of {$500.00} when the final bill shows an outstanding amount of {$390.00}. 

I am filing this complaint against FFCC to resolve this issue as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letter after letter and filed so many disputes concerning these accounts so my lawyer told me to file these papers before i take the three bureaus to court.. The three bureaus have played these games. They have my ID and social so please dont try to play this game that you cant confirm my identity or its not filed by me. Please remove these accounts asap ... Thanks
Product: Vehicle loan or lease

Tidewater XXXX  credit told me since Ohio was on gov't ordered quarantine until XXXX they would put payments on the end of the loan for 3 mos. I was told XXXX was taken care of and to call back for each ensuing month. When I called XX/XX/13, XXXX told me they would gladly put XXXX and XXXX payments to the end of the loan but now I needed to pay a {$100.00} fee to do so. This was never mentioned in XXXX. I asked if that went towards the loan and was told no, its their fee. I feel this company 's practice of charging a fee to do what they said they would is terrible during this time and capitalizing on individuals hardship. They rep said they understand most business is stopped and they are told to ask if customers receive a gov't stimulus check which can be used to pay the fee. I was shocked. They are giving customers the option to be charged a {$100.00} fee ( for their offer ) to do whats right or be reported to the credit bureau if you cant pay their fee. Shame on them!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd 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 XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

This complaint is in regards of mishandling of our fixed credit line loan by Bank of America. On XX/XX/XXXX, we have signed loan documents on a fixed rate loan from B of A, with an amortization schedule and a Note, reflecting a Principal/Interest payment of {$820.00}. 

However, when we have noticed that our automatically withdrawn payments are all being applied towards interest only, we have started contacting the originating loan officer and the bank 's customer service and research department. 

At first, we were constantly told that our payments are applied towards both principal and interest, as intended at the origination, however, after persisting to look more in depth, the customer service department did in fact confirm that the payments were applied ONLY towards interest, but not the principal. 

After many frustrating and LONG phone calls, on XX/XX/XXXX, we were finally assured that the errors on bank 's behalf have been corrected, and we have been sent a letter and corrected amortization schedule from B of A 's ALS Research department on XX/XX/XXXX. However, when we checked our statement, our XX/XX/XXXX payment yet AGAIN was applied towards interest only. 

We have tried to contact the person who initially stated the corrections were made and assured us that no more mistakes will be seen, and the originating loan XXXXfficer. However, no one has replied to our requests. 
Furthermore, once we called Customer service on XX/XX/XXXX, we were told that not only our past and XXXX payment were applied towards interest only, but our XX/XX/XXXX payment is also scheduled to be applied towards interest only. 

As of right now, on XX/XX/XXXX, we were told that the errors are going to be corrected again.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I noticed some inaccurate accounts on my credit report. I am requesting that you investigate the following accounts to ensure accuracy. 
Please investigate the following accounts : Negative Accounts Account Name : XXXX Account Number : XXXX Date Open : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Open : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Open : XX/XX/XXXX Account Balance : {$0.00} INACCURATE ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This request for Validation for ACCOUNT # CNAC-XXXX Date of Charge Off : XX/XX/2020 made pursuant to the Fair Debt Collections Practices Act. Be advised this not a refusal to pay, but a notice that your claim is Disputed and Validation is requested. This is NOT a request for verification or proof of my mailing address, but request for VALIDATION made pursuant to 15 USC 1692G Sec. 809 ( b ) of the FDCPA. I noticed that there has been an account placed in the charge-off status. I Request All Documentary evidence needed to Prove This Claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received a fraudulent withdrawal in bank account for {$1000.00} from a company called MoneyLion. Having never heard of this company I immediately contacted my bank and informed them of the charge. The bank informed me that someone had gained access to my bank account number and used it, since this was the second fraudulent charge on my account in just a few weeks they suggested me close the account. They also suggested I contact MoneyLion while they preformed their investigation. I contacted MoneyLion and informed them that this was not me and that I had recently had other fraudulent charges on my account as well and would be closing the account per the banks fraud departments instructions. MoneyLion informed me that they would also be doing an investigation and would contact me as soon as they had completed it. I never heard from Moneylion again and the bank refunded my money as well as closed the account. I assumed everything was worked out. 
Yesterday, XX/XX/2021, after looking into my credit report I found that MoneyLion was still on my credit and was reporting a balance of {$1000.00}, a high credit of {$1000.00} with a {$130.00} passed due amount, a monthly payment of {$96.00}, and that I was 30 days late on payments as of XX/XX/2021. My credit report shows that on XXXX this loan was opened on XX/XX/2021 as for XXXX and XXXX the loan was opened on XX/XX/2021. 
I immediately contacted MoneyLion 's customer service. I again explained that this was a fraudulent charge which I had previously contacted them about and that the bank account used had been shut down due to fraud. After asking for my information to verify me and to look up my account with them I was told they would have to do an investigation. When I asked what resulted from the previous investigation the gentleman informed me that he did not see a previous investigation. I then asked to have the account information sent to me from when this was set up so I could see it and he then told me that I did not even have an account with them. When I asked how that was possible he said he only had limited information on his end and would need to speak with the back office who handled these situations. I asked for the number to the back office and whomever handled this to which he informed me they do not have a phone. I them proceeded to ask how that was even possible considering it is XXXX and everyone has a phone. I asked him how he contacts them and he said they have a server to which he contacts them. He then said they would contact me after they finished their investigation. I asked how that would be possible without a phone and since I had never received anything before how would I know that they would really get back to me. The gentleman then proceeded to act as if he could no longer hear me even though he would stop talking as I was speaking and then hung up on me.
Product: Credit reporting or other personal consumer 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  The following accounts are being incorrectly reported by delinquent date. The original delinquent date is more than 1 year prior, making this account ineligible to be reported. I demand it be removed from my account immediately.
Product: Debt collection

Conns after payment $XXXX is a day late they make excessive phone calls through out the day hour after hour dqily starting at XXXX to almost XXXX.  I have stated that the payment will be late and as long as its not 30 days past due the phone calls need to cease.   My request has been ignored so numbers just continue to get blocked as this disrupts my entire day.  Here is the copy of my request:  As of today I want all phone calls to cease. It is considered harassment the hourly call I receive from this business over a payment that is not even 30 days old. If you do not comply I will be forced to file a complaint with the CFBP. Further communication will be done thru email only. (sent XX/XX/17)
Product: Credit reporting or other personal consumer reports

Dear CFPB, XXXX, EQUIFAX, XXXX, AND XXXX XXXX I write to you as a concerned consumer, well aware of my rights under federal law, particularly as enshrined in the tenets of 15 U.S.C. 1681 ( i ) ( 7 ) and 15 U.S.C. 1681 ( i ) ( 5 ). These statutes underscore the need for timely, accurate, and impartial credit reporting, principles I hold dear in my relationship with your esteemed agency. 
My concern pertains to XXXX XXXX XXXX XXXX XXXX XXXX, which, upon meticulous examination of my credit report, reveals glaring inconsistencies. While I have previously attempted to dispute the account 's accuracy, these efforts have regrettably yielded no conclusive verification of its legitimacy. It is imperative to reiterate that the legitimacy and credibility of this account are significantly questionable. 
15 U.S.C. 1681 ( i ) ( 7 ) obligates your agency to promptly correct or delete any information found to be inaccurately reported. The stark discrepancy in the status of the account in question across the major credit bureaus constitutes a clear-cut case for a detailed investigation, as well as the subsequent deletion of the disputed account.

I hereby formally request that your agency not only undertake a thorough investigation into the contested account, as mandated by the law, but also proceed with the immediate deletion of this account. It is important to emphasize that previous investigations have left a trail of unsatisfactory responses, leaving me with little recourse other than to insist upon its deletion to restore the integrity of my credit report.

In the pursuit of my rights as a consumer and under the aegis of 15 U.S.C. 1681 ( i ) ( 5 ), I demand a diligent, accurate, and swift response. The statute underscores the importance of your agency 's role in upholding the principles of fairness and accuracy in credit reporting. 
The demand for the deletion of the disputed account is not merely a request ; it is a legal and ethical imperative to rectify the inaccuracies that have tarnished my creditworthiness and financial standing. The precedent set by federal statutes and the protection of consumer rights firmly support this request. 
In conclusion, I implore your agency to treat this matter with the utmost gravity and urgency it merits. The due diligence and expeditious attention to this matter are not only prudent but absolutely essential to rectify the apparent inaccuracies affecting my credit report. 
I anticipate your prompt acknowledgment of this request and expect a timely resolution, which will restore precision, impartiality, and credibility to my credit report. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous request for an investigation into the inaccuracies on my credit report, which I initially submitted in XX/XX/XXXX. As of today, I have not received any response from your office, and the incorrect information remains on my report, continuing to harm my credit. This lack of action is both concerning and unacceptable. 

For your reference, the inaccuracies I outlined in my original letter are as follows : - XXXX XXXX XXXX  XXXX Balance : {$17000.00} Date Opened : XX/XX/XXXX - XXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX - XXXX  XXXX XXXX Balance : {$2900.00} Date Opened : XX/XX/XXXX - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$580.00} Date Opened : XX/XX/XXXX PLEASE REMOVE ALL THE INACCURATE ACCOUNTS MENTIONED ABOVE. 

I kindly request that this matter be promptly solved by TRANSUNION. 

As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes within XXXX  days of receiving a formal request. More than XXXX  days have passed, and I have yet to receive any resolution, confirmation of investigation, or update on this matter. The continued presence of this inaccurate information has severely impacted my creditworthiness and has caused denial of credit, increased interest rates, or emotional distress. This delay undermines the confidence I should have in the integrity and efficiency of the processes.