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

I opened a XXXX XXXX XXXX card to help establish a good payment history. The advertisement claimed to raise your credit score after using for several months. I was required to deposit around XXXX to the account/card and pay bills with the card only spending this amount. I had issues right away after depositing the required amount and the card not being honored or accepted at several companies... including my power company. I incurred late fees after using the specified routing number and the card getting rejected. I have screen shot images of the card being declined and this does not look good for my payment history with utility companies and my credit card company. As I was getting ready to post a payment to the chime builder card mid XXXX saw that the card was not in my accounts on the XXXX mobile app. I did some investigating and saw there was a delinquent account posting on my credit report for XXXX. I was very upset because I do not have any past due or delinquent reporting on my credit report. The negative hit caused a XXXX point decrease in my credit score. I called Chime several times and I was informed the situation would be rectified and I would see the adjustment on my report. It is important that I share I am a survivor of Hurricane Helene. I was with out power, water, internet starting XXXX XXXX 2024. This lasted for nearly one month. I am very stressed with the devastation in my area and I need my credit score to be at a level to purchase a new home after the storm. On XX/XX/XXXX XXXX posted the account delinquent again after all the phone calls and promises of fixing the problem. I have only one credit card with XXXX XXXX that I am making payments on. The account is in good standing. I have no intention of calling XXXX bank again to have to speak with XXXX separate departments outsourced to other countries and still not have the problem dealt with. I do have record of my monthly payments to the XXXX XXXX builder card. I am planning to cancel my account entirely which includes checking and savings account.
Product: Credit reporting or other personal consumer reports

in accordance with the the Fair Credit Reporting Act, XXXXL XXXX Account # XXXX, XXXX XXXX XXXX/ XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 602 ( a ) ( 4 ) states i have the right to privacy, 15 USC 1681 Section 604 ( a ) ( 2 ) : also states any consumer reporting agency can only furnish an account with my written instructions, they were never given written instructions
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 CFPBs 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, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX XXXX : XXXX XXXX Balance {$47000.00} Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN Collection : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$580.00} Inquiries : XXXX XXXX XXXXXXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$47000.00} Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to TransUnion about a bankruptcy being reported on my credit report. I contacted the Bankruptcy court prior to submitting my dispute with TransUnion. I wanted to clarify whether or not the courts y reported negative information to TransUnion and the XXXX XXXX  assured me they do not report any information to any credit reporting agencies. 
I received a letter from TransUnion on XX/XX/21 with the results of the dispute. The letter states the item was verified as accurate, however they do not identify the name of the agency they verified the accuracy of this item.
Product: Credit reporting or other personal consumer reports

This XXXX XXXX has multiple inquiries on my credit report that is affecting my score and opportunities for future investments and ect just to clear the air the only time I applied for a capital one credit card is XX/XX/XXXX and was approved for one that's all but there other 2 other inquiries that are not accurate and it's fraudulent it's not me apparently someone tried to open up something in my name a roommate I once lived with around those times XX/XX/XXXX & XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$16000.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$4600.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

" My personal information was compromised starting in XXXX, and I have been a victim of ongoing identity theft since then. The fraudulent activities include : XXXX. XXXX XXXX : An account was opened in my name that I did not authorize. 


XXXX. XXXX and XXXX : Bills were created in my name for services I did not sign up for. 


XXXX. XXXX XXXX : A loan was taken out in my name without my knowledge or consent. 


XXXX. Wells Fargo : I reported fraud related to unauthorized transactions in the amounts of {$70000.00}. accounts in my name but have been unable to resolve the issue or secure lower payments for my student loan or raise my credit scores or secure a credit card as a result of this fraudulent activity. 



These incidents have spanned from XXXX  until now, significantly impacting my financial situation and credit standing. '' -- - XXXX XXXX : XXXX : Unauthorized activity began in XXXX and continues to the present. 


Actions Taken : " I reported the fraud to Wells Fargo in XXXX my business account, but no resolution has been reached. 

I am disputing these accounts and bills with the respective companies ( XXXX XXXX XXXX, XXXX, and the loan provider ). '' -- - Request for Assistance : " I need help to : XXXX. Verify and close all unauthorized accounts. 


XXXX. Remove fraudulent bills and loans from my credit history. 


XXXX. Restore my financial stability by resolving this ongoing identity theft issue. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX around XX/XX/XXXX through XX/XX/XXXX about and inaccurate information that Experian had listed on my credit report, that I'm missing a payment with them. XXXX XXXX had assured me that they have accurately updated my account with the credit bureaus so I should give them some time to update my credit file. I have reached out to Experian many times about this inaccurate data they are reporting but they refuse to resolve this issue.
Product: Mortgage

On XX/XX/2021 Shellpoint mortgage servicing in correctly applied my regular mortgage payment for XXXX as a Principal only payment. They also correctly applied an Escrow only payment, also dated XX/XX/2021 that I had mailed to them 3 months prior. As my payment was as over payment of my normally owed {$1800.00} to which I had paid {$2100.00} they also correctly applied a principal only payment of {$240.00}. Due to this mistake on my XX/XX/2021 statement they charged me a {$79.00} late fee and showed my account as behind, stating that I had not made an XX/XX/2021 payment. I spoke with a customer service representative who claimed that she corrected the improper Principal only payment and changed it to a 'regular payment '. Upon receiving my XX/XX/2021 statement under the transaction activity They not only corrected my 'principal only ' payment to a 'regular payment ' but they also reversed my principal only payment of {$240.00} and they reversed my 'escrow only ' payment of {$120.00}. Since they didn't include a check with this statement for those XXXX reversals I suspect that they just decided to keep this money and not apply it to my account. I have been working with them via customer service, CFPB complaint and XXXX complaint to resolve these incorrect application of payment to my account for almost 2 months now and it is only getting worse. All they do is tell you that they have corrected things to close the complaint only to provide written proof that they have made things worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to Experian and XXXX notifying them about the inaccurate information on my consumer report. Until now I didn't receive any response or any result of their investigation. I feel frustrated and I am in distress this matter has affected me from getting access to different forms of credit which I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a notice from CITI that they were going to decrease my credit limit because of a " delinquent credit obligation. '' I called within a day or two of receiving that notice and informed CITI that the subject of the " credit obligation '' in question was a fraudulent account that was created through an identify theft. I told them that I had reported that fraud, opened a police report, reported it to the three bureaus, etc. The CITI person told me that I had to go back and redispute the payment history and then call back to CITI again. 

I have made each payment to CITI timely and do not have a single late payment on my credit report, which of course can be verified. 

Today, XX/XX/XXXX, I just finally received confirmation that the fraudulent account has finally been closed, removed from my credit, and that no bad payment history is showing. 

I called CITI again to confirm that this had finally been closed out. However, CITI now tells me that because we are outside of the " 60 day window '' for reconsideration of the credit decrease, that they will not change their decision. When I called in XXXX, I was never informed of any " 60 day window. '' The customer service agent attempted to do a credit increase today, XX/XX/XXXX, and, of course, it was declined. 

CITI has hurt my credit score and credit report by decreasing my credit to an amount close to where my balance is. This makes it appear that my credit is maxed out and hurts my debt to credit ratio. This was all done improperly, even after I notified CITI of the fraud on my account and in spite of going through the effort to have it removed, as they said, but what CITI really has done is to put me on a wild goose chase. 

CITI should restore my credit back to where it was, they had no cause to hurt my credit score in this manner. 

For anyone else reading this account about CITI, do not do business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX 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

EXPERIAN : XXXX : AND XXXX XXXX XXXX XXXX  XXXX ; ACCT # XXXX $ XXXX AND CLOSED XXXX XXXX  XXXX  XXXX ACCT XXXX XXXX {$2900.00} CLOSED XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OFF CLOSED XXXX XXXX ; # XXXX XXXX XXXX OFF CLOSED XXXX/XXXX/XXXX, ACCT # XXXX {$3500.00} PAID OFF CLOSED XXXX XXXX, ACCT # XXXX {$490.00} PAID OFF CLOSED XXXX  XXXX  # XXXX {$360.00} PAID OFF CLOSED XXXX  XXXX  SERVICES # XXXX {$8800.00} XXXX XXXX  XXXX # XXXX $ XXXX OFF CLOSED XXXX XXXX XXXX, # XXXX XXXX XXXX OFF CLOSED XXXX  XXXX/XXXX XXXX, ACCTS, # XXXX XXXX XXXX $ XXXX $ XXXX XXXX  XXXX/XXXX, ACCT # XXXX $ XXXX OFF CLOSED XXXX XXXX XXXX Credit reporting Improper use of your report XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX  XXXX, AND XXXX XXXX XX/XX/XXXX Closed No consumer response XXXX XXXX XXXX Credit card debt Communication tactics XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XX/XX/XXXX Closed Sent to Regulator FTC XXXX XXXX XXXX Credit card debt Took or threatened to take negative or legal action XXXX XX/XX/XXXX Closed Sent to Regulator FTC XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XX/XX/XXXX Closed Sent to Regulator FTC XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/XXXX Closed Sent to Regulator FTC Previous Next ADD POSITIVE ACCOUNT ACTIVITY XXXX XXXX XXXX, # XXXX $ XXXX {$2700.00} PAID OFF XXXX  XXXX, # XXXX {$6000.00} PAID OFF XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} PAID OFF FIRST XXXX  XXXX ACCNT, # XXXX {$6000.00} PAID OFF
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached!! Despite my previous 2 written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. 

The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. 

Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. 

When we go to litigation, through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them. 

I have thoroughly reviewed the Metro 2 Credit Reporting Guidelines, and it is evident that the aforementioned items do not adhere to these guidelines. As such, I request that you investigate these inaccuracies and take immediate action to delete them from my credit file.
Product: Credit reporting or other personal consumer reports

Im filing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the following companies XXXX credit reporting agency XXXX XXXX credit reporting agency , and TransUnion credit reporting agency delete and block information appearing on my consumer credit report that is a result of identity theft/fraud within at least 4 days of you receiving this complaint. I have made numerous requests for actions to be taken and some have yet to be taken. The fraudulent, inaccurate, and false information of the following are on my report. Personal credit cards, personal loans, personal auto loan, and my name is incorrect on XXXX report. My first name is incorrect on a report and is listed as XXXX XXXX XXXX and XXXX XXXX but my correct name is XXXX XXXX. Also my date of birth on XXXX of your reports is listed as XXXX when in fact its XXXX. The following items are fraudulent. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The numerous fraudulent accounts have resulted in several closed accounts, chargeoffs, and collections. These are appearing on my consumer FICO credit report. I have never opened these accounts nor do I recognize the aforementioned accounts, collections, charge offs, or late payments as reported. The aforementioned accounts, collections, charge offs, and late payments appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, charge offs, and late payments are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) and complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, and collections are the result of identity theft and fraud. Once again Im reaching out to you to abide by the law and do the lawful thing and remove said items. Ive made contact numerous times and these items have yet to be rectified. If said items are not removed I will have no choice but to take further action against you.
Product: Payday loan

I took out a loan for {$2600.00} on XXXX XXXX, 2012. I paid a total of {$6100.00} to Cashcall for this loan. However, the terms of the loan were misrepresented to me. The APR was 139.12 % daily which would mean that I owed a total of {$14000.00} for the {$2600.00} loan. I would not agree to that if the terms where clearly listed and explained. They later reduced the interest to 6 % daily and now they claim I still owe {$2000.00}. I do not believe I owe this balance. Payday loans are illegal in Pennsylvania also I have already paid back the loan plus a reasonable interest rate on the loan.
Product: Checking or savings account

Ever Time I Try To Open Up A Checking Account I Get Denied
Product: Mortgage

I opened a equity reserve line of credit with XXXX XXXX XXXX XX/XX/XXXX for {$20000.00}. 
Debt collector purchased this loan in XXXXand now at the end of XXXX sent me a notice of default and demand for payment XXXX XXXX XXXX  became XXXX XXXX in XX/XX/XXXX. 
My last payment to XXXX XXXX was XX/XX/XXXX. XXXX XXXX closed my account as of XX/XX/XXXX. XXXX XXXX charged off my loan XX/XX/XXXX. XXXX XXXX sent me a settlement offer dated XX/XX/XXXX for {$4200.00} at that time the total as of XX/XX/XXXX was {$21000.00}. 
I did not pay the settlement offer due to the fact I did not have {$4200.00} at that time. The last correspondence I received from XXXX XXXX was dated XX/XX/XXXX. 
I filled for bankruptcy XXXXand my discharge date was XXXXWhy did I not receive a notice of default after my bankruptcy was discharged? I did not receive any notice of default until the letter dated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is my follow up complaints dated XX/XX/year>. I see that some of the account on my credit report was inaccurate when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00}