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

On or about XX/XX/scrub> 2025, I called and spoke to a XXXX at Experian Credit Bureau to inform her that I had moved, and I wanted to change my address. I provided my new address to her. At the conclusion of our conversation, the Experian XXXX indicated my new address was now on my file and that I would be sent a new credit report confirming that new address was on it. 

On XX/XX/year>2025, I received the Experian credit report in the mail, and it still shows the old address as if I had never taken the time to speak to them. 

On XX/XX/year>2025, I called Experian several times and each time throughout the entire day was stuck in an automated loop which prevented callers from getting to a human being. I tried to change my address on their website but because Experian still has my old address and phone number, I can not verify myself since they use the last phone number they have on file to verify you - an old number I no longer have and am trying to change on my report. 

This is why I'm contacting the CFPB. At every attempt to simply change my address with Experian, their phone system is set up to prevent human contact nor can XXXX simply change their address and phone number on their website either because they insist on using the old information. It's maddening and exasperating. 

I simply want ( XXXX ) Experian to correct my address and phone number on all their records concerning me, and ( XXXX ) to then send me a correctly updated credit report which shows the new address Ive already given them XXXX days ago. If they need me to repeat the address, I will be glad to do so. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I found account on my XXXX credit report that was opened around XXXX months ago. That do not belong to me. Account belong to UpLift llc. It is line of credit for about XXXX. That somebody is using it and make regular payments. I dont understand how this company could open account without hard inquiry on my credit? I noticed this account by accident. I contacted XXXX to remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a Pre approval at lending tree, one that promised a no impact on the credit and a soft pull ... over the next 3 or so days many many many " Lenders '' banged my reports with inquiries ....

Upon noticing this I called all the credit bureaus, they told me that there was nothing they can do and i hate to contact the " lenders '' so I did exactly that ONLY TO HIT ANOTHER BRICK WALL when they told me since it was through a 3rd party ( XXXX XXXX ) they could not even SPEAK to me about it, its on my report and they wont even talk to me.. this is pureeee fraud!!!

of course I found out lending tree gets PAID for each inquiry from each lender .... 

So between XX/XX/XXXX and XX/XX/XXXX of 2019 the following inquiries were spread between all 3 credit reports UNAUTHORIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I sent a dispute letter to Transunion in XX/XX/XXXX regarding incorrect accounts. I received a report back XX/XX/XXXX all verified through automated code. I sent 2 more requests for reinvestigation and method of verification. I sent them both through certified mail and they were received XX/XX/2016 and again XX/XX/2016 and I have not received any additional information. There has not been any verification. These accounts need to be deleted XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my latest credit report, I identified an error that seems inconsistent with the records I maintain. I am concerned that this inaccuracy might impact my credit score or financial profile, so I am requesting a detailed review of this matter. Please investigate the issue and correct any discrepancies at your earliest convenience. Your support in maintaining accurate credit reporting is highly valued.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and was shocked to see accounts that were opened fraudulently. I've notified the 3 major credit bureaus numerous times and no action has been taken on behalf of these institutions, whom continue to break the laws of the united states constitution by continuing to report this inaccurate information of my credit profile. This neglect has been hindering me from buying a home for my family. Please take the necessary action of upholding the constitution by removing these inaccuracies from my credit report
Product: Mortgage

Dream Finders/Jet Loans ( Owned by Dream Finders ) deploy predatory and deceitful marketing practices when advertising and contracting with buyers. 

We initially looked at purchasing a new home within the XXXX XXXX, XXXX  region in XX/XX/XXXX. When we found Dream FindersXXXX XXXX we decided to pursue a new home build given several promises made by their sales persons. We were urged and pressured to sign immediately as lots in the area go quick, and the one we were looking at was currently being inquired upon by others. 

We decided to proceed with the purchase given a few promises made to us by the sales person. 
1. Upgrade costs : we were explicitly told that upgrades ( e.g., flooring ) would incur charges for materials only, with labor costs remaining fixed. This was a pivotal selling point. However, during the selection process, we were blindsided by additional labor charges. When confronted, this discrepancy was dismissed as a miscommunication a grossly inadequate response to what amounts to a bait-and-switch tactic.

2. Tray Ceilings : tray ceilings, presented as a standard feature in the model home, were omitted from our build without proper communication. Homes in the same community and XXXX listings clearly show tray ceilings as standard, making this omission deceptive and misleading. We were told that Dreamfinders marketing images and materials were inaccurate, but they hadnt had the time to update them with accurate information. 
XXXX. Loan Process : we were told that if we chose the " preferred lender '' we would a ) receive a rate lock and it would never go higher, and b ) receive a financial incentive with closing costs. At this point we proceeded with the preferred lender ( Jet Loans, owned by Dream Finders ) and provided them with all the appropriate financial records, and spoke with them at great lengths with our businesses and financial standing. 

1 Month prior to closing on the house, we were to reapply to Jet Loans with updated tax returns for XXXX. Upon sending the information, Jet Loans sent us a loan sheet with a rate 1 % higher than previously agreed upon and told us over the phone that they won't be able to make the loan happen due to tax returns showing business losses due to opening a second location ( major purchases made in XX/XX/XXXX - XX/XX/XXXX ), which was disclosed previously and happened in late XXXX and early XXXX. After some back and forth with Dream Finders and Jet Loans we were offered two options, either sign with another preferred lender with unfavorable terms ( quoted around 8 % ) or forfeit our deposit and walk away. 

It is important to note that we disclosed all of this information upfront and were completely blindsided by their in-house preferred lender. I do not believe that either parties have acted in good faith and after some quick searching online, the company has a history of not acting in good faith to the customer nor the contracts.
Product: Debt collection

shopped in gap end of last XX/XX/XXXX than in XXXX I left the country. 
While I was in XXXX, country lockdown due to covid_19 on XXXX XX/XX/XXXX I was stuck in XXXX 8 month. 
Finally, I was able to come back to the XXXX on XXXX XX/XX/XXXX Soon as I saw the bill from Gap, I called them and explained to them about the situation I was in due to covid_19. then I send them a check and nice later again explaining my situation and I ask them to forgive the intrust money they have added in. after all my payment was let because I was stuck in XXXX. 

After that, I thought my case is resolved, but the phone call continued for a debt collection agency. finally, I spoke with the lady in the Synchrony bank explain to her everything I want true and I made the payment directly to the Gap. She was cooperative and understanding I thought the case is resolved, but no, I just find out your company has scrod up my credit score and thats not a kind act at this point. 

Please check all my document I am sending you and close down my Account so my credit score can go to normal again.
Product: Credit card

refund for {$450.00} for a ticket purchased on XX/XX/year> from XXXX XXXX XXXX  that I did not use. they refused to issue me a refund and charge XXXX XXXX  back This was a Visa card issued by Bank of America
Product: Mortgage

I have already sent 2 complaints : XXXX XXXX.

This is regarding LoanDepot payments that I have made. The problem was suppose to be fixed. I just received a bill for XX/XX/2018. It states I owe XXXX I have already paid XX/XX/XXXX and XX/XX/XXXX. This keeps happening. I do not know what else to do with this loan company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I had a grant overpayment assigned to XXXX XXXX XXXX. XXXX XXXX XXXX XXXX began reporting the item to Experian in XX/XX/XXXX. The consumer reporting laws state that a negative item can only be reported for seven years. In XX/XX/XXXX, I paid the debt in full and my credit report reflects that. However, the month and year that the item went into collections is incorrect. Experian continues to report that the only month the item was in collections, is the month I settled the debt, instead of what is accurate. The account should be reported as a collection account from XX/XX/XXXX through XXXX XXXX, not XXXX XXXX is long past the amount of time the item can legally be reported. Despite my disputing the item for correction at least a couple dozen times, Experian continues to report this. Experian continues to report that this item entered into collections on the same day that I paid it off, which has restarted the seven year time clock on an item that's actually XXXX years old now. XXXX and XXXX were reporting this same item correctly and as a result, the item fell off without my involvement. Experian responded to my most recent complaint filed with CFPB, by lying, stating that the item is no longer on my credit report. I have filed at least two dozen disputes directly with Experian and never have they claimed that the item did not exist on my report. not once. Instead, there is a person on the other end of my laptop, that opens and closes my disputes with five minutes of my submission. Also, I noticed that Experian has done close to 30 soft pulls on my credit report in the last year alone. Please take a deeper look into which employee is mishandling my credit file. If they are unphased by CFPB, I feel I maXXXX need to take this to court.
Product: Credit reporting or other personal consumer reports

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

XXXX has put a negative remark on my credit report in regards to a debt that is my ex husband 's and I have sent the divorce decree signed by a judge stating this is not my debt but his to pay off. This negative remark is hurting my credit report. I have sent the divorce decree to all credit bureaus and XXXX. XXXX says they do not honor divorce decree. It is a legal binding paper stating this is NOT My debt. I want this negative remark removed so I am able to get a home owners loan and move on with my life. I have sent the decree to experian, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " Investigation '' according to the FCRA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

This did not occur. 

Also, they violated my rights even further. In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the Open Date is inaccurate, Balance amount is inaccurate, Last reported date is not accurate, Last active date is inaccurate, and Last date of payment? 

This is evidence that this account from XXXX XXXX - XXXX needs to be deleted! 

I sent in proof that I was never late and XXXX XXXX never check their account system nor used the proper date to claim I was late. 

So I have some questions for the Credit Bureaus... 

1. How did you verify that I was late? 
2. Did you call them? 
3. What date was I late? 
4. According to the FCRA, I need the supporting documents ( 2nd request ) They also violated the law according to : 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 an account without my written authorization. I did NOT give anyone written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$4400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX  XXXX Balance : {$89.00} XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$110.00}
Product: Checking or savings account

On XX/XX/XXXX, I opened a 1-year CD account with Citibank online . I funded the account {$25000.00} by transferring from an external account. The account matured on XX/XX/XXXX. 

On XX/XX/XXXX, I closed the CD account through online customer service. I was told the balance of {$26000.00} would be issued as an official check and sent to my mailing address on the file. 

I didn't received the check. 

On XX/XX/XXXX, I contacted their customer service over phone. They could not answer any of my questions, only asking me to go to a Citi branch. I went to a branch on the same day. The banker said he requested for reissuing the check and told me to wait for the check. 

On XX/XX/XXXX, I received a letter from Citi, saying they completed their research, reissued the check and sent to my mailing address. 

But again, I never received the check. 

On XX/XX/XXXX, I went to the same Citi branch. I was told there was not much the branch could do, since I opened and closed the CD account online. The branch manager said he escalated the issue to their back office and asked me to wait for another week. 

On XX/XX/XXXX, I contacted the branch manager for updates. He told me the issue had been escalated. He said there was some ongoing issue with back office closeouts of accounts issuing checks. 

On XX/XX/XXXX, I contacted Citi customer service over phone. They could not provide any updates or estimates about when the issue will be solved. 

It has been more than 2 months since I closed my account, and I still haven't received the fund. They said they would send the check by mail, but I never see any check coming. I received other letters and tax documents from Citi, so they have the correct mailing address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX IN account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX ; XXXX account # XXXX, XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX  account XXXX XXXX, XXXX XXXX XXXX  account XXXX XXXX, XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled both of my XXXX XXXX accounts with XXXX XXXX XXXX XXXX to begin getting myself out of debt in XXXX XXXX. Both accounts were current and I was advised by my counselor to stop making payments, as they would be made on my behalf through XXXX. {$150.00} and {$66.00} respectively were paid to the accounts in both XXXX, XXXX and XXXX ( proof attached ). The amount paid to XXXX did not cover the full XXXX XXXX payment, and this resulted in a late status being posted to my credit reports for XXXX, XXXX and XXXX. I was informed by XXXX XXXX and by XXXX that the accounts would " re-age '' in XXXX and that the late status for those three months would be removed from my report. This has not occurred. I would like for the late payment status to be removed for the months of XXXX, XXXX and XXXX for both accounts.
Product: Debt collection

It was {$170.00}. I told them that Ill be able to pay when Im able to find a job but they came to a conclusion that Im not trying to resolve this debt. I felt that they were harassing me on this situation.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and found there are several inaccurate data points within my personal identification and accounts which you are reporting.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} ; 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
Product: Debt collection

Medical debt that I did n't expect to have since I had my medical insurance
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX XXXX is depriving my of my rights under the color of law ( 18 USC 242 ).

Said information was shared without authorization nor consent to EXPERIAN by way of identity theft and they are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with the Identity Theft Gov concerning these accounts. I have emailed and sent Letters/ Called XXXX  XXXX XXXX XXXX And Experian regarding these accounts and can not get the help removing them ...
Product: Checking or savings account

There were multiple fraudulent charges on my account. 2 of them were rejected by the bank but one transaction that was not performed by me was authorized. 

on XX/XX/2023 I received texts from wells Fargo that there was suspicious transactions of XXXX which was rejected and XXXX which was processed. 

There was another one from XXXX XXXX  but I no longer have that amount as I had already called wells Fargo for them to take action but that one was rejected. 

They denied my claim on the XXXX transaction at XXXX XXXX XXXX store. I showed them GPS movement of my location on the XXXX when I received the texts and the XXXX which they indicated when the transaction was made or when it was completed. My location indicated I was not in the area of that store. 

Also, they supposedly sent a replacement ATM Debit card for my expired card which I never received. I received a notification on XX/XX/2023 that the replacement card shipped but I never received it.
Product: Credit reporting or other personal consumer reports

My credit report has billing errors showing late payments that aren't consistent with my payment history. Kindly correct these and update my account.
Product: Credit reporting or other personal consumer reports

I disputed over and over they're putting all the wrong information I've called them I've wrote them I've submitted paperwork and they still have not fixed my report and I also am a victim of my dad being leaked and they also still won't fix it. You turning me right now from me and my children getting a place to live I've asked them numerous times to fix it