23daVinci/CFPB_Complaints huggingface dataset:
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 Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. section 2,3 5 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 record of comradiarmac which 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. Also the inaccurate information on my names and addresses Ive disputed to no avail. Multiple hours spent calling all XXXX agencies and nothing. Disgrace to Me as a Human and The Consumer Laws that Protect Me. 

Accounts : XXXX $ XXXX XXXX $ XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX hard inquiry XXXX XXXXXXXX XXXX  XXXX Hardy inquiry XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX All Hard and Soft Inquiries Must Go as I have No Written Permission Period All My Right Were Vilated Under Laws 15 USC 1681 Section 6060029
Product: Debt collection

Mohela XXXX has called repeatedly. Finally, on XXXX XXXX, 2015, at XXXX XXXX they called and left a voice mail and I returned their call. They were trying to collect a debt from someone with the same last name. I gave what information I had and asked them not to call me again. Again on XXXX/XXXX/2015 at XXXX XXXX, they called and hung up when I answered. On XXXX XXXX, 2015, I phoned them at XXXX and requested that they refrain from calling me after XXXX XXXX and refrain from calling me at all in reference to the debt which I am not a party to. They informed me that they could do neither without receipt of a " cease and desist '' letter from me.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX v. XXXX  ( mo ) XXXX XXXX XXXX, XXXX, I presume than no proof of the alleged debt, nor therefore any such debt in fact therefore exists.
Product: Credit reporting or other personal consumer reports

This is the response I received from the company Acct : XXXX XXXX XXXX We are in receipt of the complaint from XXXX XXXX, forwarded to our office through the portal on XX/XX/2025. Upon review of the complainants information provided, we are unable to determine what account is associated with the complaint and need additional information to respond meaningfully. Examples of information that would allow us to respond meaningfully to the concerns addressed in this complaint would be the internal reference number provided by XXXX XXXX XXXX XXXX on any written correspondence sent to the consumer, the original account number assigned by the creditor of record, along with the last four digits of the consumers SSN along with date of birth and/or the address of record for the account in question. Once we are able to verify the identity and account of XXXX XXXX and his association with the account subject to this complaint, we will respond to the concerns expressed in the complaint filed on XX/XX/2025. 

They have no knowledge or record of this account with my name
Product: Mortgage

We refinanced our home XX/XX/XXXX and our loan server changed. We have an inpound account. Our mortgage payment was reduced from {$2800.00} to {$2200.00}. In XX/XX/XXXX our new lender advised that our impound account was short and that our new mortgage payment would be {$2800.00}. I paid the shortage of {$3900.00} and my mortgage was reduced to {$2500.00}. At that time I contacted the county assessors office and it was determined that our lender was using a falsly inflated property value resulting in the raise in property taxes and a subsequent increase in my monthly mortgage of over {$600.00}. I submitted the county roll and figures for the lender to review in XXXX after contacting them by phone. I was reassured someone would call me back within 5 business days. After 2 weeks I called again and used the reference # provided. They had no record of this and I was again reassured it was being forwarded to someone to review again. XX/XX/XXXX, I called back due to no reply and was assured my dispute/issue was being expediated and I would hear back in 3-5 business days. I recieved no contact until the XX/XX/XXXX email, wherein I was told they were still working on the issue and again I would hear from them via an email. I called XXXX and XXXX and was greeted by a recorded voice stating that they were experiencing high call volume and to call back later. You are then disconnnected. I sent an email to the customer service person with whom I last spoke and to whom I submitted the county assessors office tax record for my property for their review. To date I have had no reply and no indications from the website that anything had changed. I paid my mortgage on time and at the inflated amount. We refinanced because we needed to lower our monthly payments. It is not okay to be denied information or ignored by this lender. What recourse do I have? Isn't this illegal? Can you help us?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed that I had multiple name spelling and addresses on my account. Several open balances with student loan that Im not sure of the amounts or even if I took that many loans out I need all the accounts reviewed Im working with the dept of education to tell me exactly how many loans I do have. Then i have medical information on my account and i never gave them permission to share my hippa information.

i will highlight my report and all the inaccurate name spelling and addresses and phone numbers there are several all will be highlighted and circled
Product: Student loan

The school I attended is included on the XXXX XXXX XXXX school list. The finance department at XXXX misrepresented the price of the student loans, the misrepresented the final payment, and they pressured me into Student Signature loans. They misrepresented the potential for employment and job placement after graduation.
Product: Debt collection

AFNI FAILED TO VALIDATE A UNAUTHORIZED DEBT INQUIRY ON MY XXXX CREDIT REPORT DATED XXXX/XXXX/2016. 
SEE ATTACHED. 

IGNORED CEASE AND DESIST.
Product: Mortgage

XXXX XXXX and XXXX XXXX of XXXX XXXX XXXX XXXX XXXX for selling 5 illegal mortgages, appraisals and title insurance along with PHH Mortgage. 3 from a Liquid Asset Account when they did not have the proper licensing for XXXX WA or XXXX UT via the NMLS agency the other two were actual mortgage products XXXX XXXX XXXXXXXXXXXX   XXXX at the time of sale XXXX of XXXX and XXXX of XXXX
Product: Credit reporting or other personal consumer reports

Recently, I requested verification of the method used to investigate the inaccuracies on my credit report. Unfortunately, I have not received a response from the credit reporting agencies. I believe that XXXX, XXXX, and TransUnion have conducted inadequate investigations into my disputes, failing to address them properly. This has caused significant financial hardship and led to missed opportunities. 

I am deeply concerned that my disputes may have been mishandled in violation of the Fair Credit Reporting Act ( FCRA ). As you are aware, the FCRA mandates that credit reporting agencies conduct proper investigations into consumer disputes and provide clear and comprehensible results. Additionally, inaccurate or unverifiable information must be corrected or removed from credit reports promptly. 

In this case, the agencies have failed to meet their obligations. Therefore, I request the following actions : If the investigation concludes that the disputed information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 
I request written confirmation of the actions taken in response to this dispute, including details of any corrections or removals made to my credit report. 
I trust that the CFPB will investigate this matter thoroughly to ensure compliance with federal regulations and to hold the credit reporting agencies accountable for their obligations under the FCRA. 

Thank you for your attention to this matter. I look forward to your response and resolution.
Product: Debt collection

I filed XX/XX/2010. The BK was discharged XX/XX/2010. I included XXXX on XXXX. They keep selling and re-aging the debt to different collection agencies.
Product: Debt collection

collection agency reported to XXXX twice that this is my debt based on one old contract they say has my signature. I never ever ever signed anything with original creditor, XXXX, and sent the collection agency proof that back in 2017 I wrote an email to XXXX staff telling them the debt was fraudulent.
Product: Debt collection

My accounts were sold to creditors and presented as new debt but i was never contacted by phone nor by letter to inform me of this change in ownership. I only was aware when my credit was negatively impacted by their new submission. The debt is several years old and should have been removed from my report. 15 U.S. Code 1681e - Compliance procedures were not followed by professional collect when they took over my file and is affecting my XXXX report. 
I have disputed with the creditor with no success. They are charging me with the amounts of {$1000.00}, {$1100.00}, {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I need the Chase to provide me the IP address where someone has pulled hard inquiry with my information.. 
I never authorized anyone to pull hard inquiry and I need further instruction how I can make a claim against Chase and file the lawsuit and also make a police report .. 
This hard inquiry is not authorized by me and I would to clearly get some more info how someone has taken my information.. 
I am willing to make a police report, file the FTC complaint as well
Product: Debt collection

XXXX XXXX- FromXX/XX/XXXX to XX/XX/XXXX, I made numerous reports that my credit card reflected unauthorized charges. I had this card since XX/XX/XXXXand rarely used it as history shows. When I did use the card, the balance was paid off the following month. Attached is a copy of my credit score of XXXX fromXX/XX/XXXX. I filed a police report, then a restraining order as I quickly realized that this was a man I dated for a few months. It wouldnt have lasted more than a couple dates, but he was not easy to break it off with. I knew was using it because he paid his cell phone bill with my card. When I confronted him, he threatened harm to me and my daughter. He said he had connections with gang members and as I continued to pursue action against him, I started living in fear from the threats he made, he had hacked my computer, made constant drive-bys or waiting outside until police were were called. My credit card was replaced at least 6 times, but that didnt stop his ability to use it. Finally, the credit card company agreed to reverse the charges. But upon receiving my statement in XX/XX/XXXX, they only reversed the charges beginning inXX/XX/XXXX totaling {$2400.00}! My credit card was maxed from XX/XX/XXXX to XX/XX/XXXX leaving a balance of {$9300.00}. I only continued making payments in good faith that they would resolve this issue. After they reversed a measly {$2400.00} and as the threats were increasingly real, my familys safety was critical. He evaded being served for the restraining order over the course of several months and I was told that the police couldnt continue to attempt serving him, but that I would need to hire a server. We were living off of food stamps already, so I was was in no position to hire a server. Now they are seeking a judgement lien while I can barely make rent. Shame on XX/XX/XXXX XXXX!
Product: Checking or savings account

My checking account has been hacked. There was an attempt to steal {$9500.00} from my checking account. Bank of America did nothing to alert me that " XXXX XXXX '' was added to my account in order to verify the validity of the vendor. The perpetrator was able to successfully verify the " connection '' to my account without any of my personal information ( address, e-mail, phone numbers ) being changed. Bank of America failed to contact me to verify the account addition. In about two weeks my friend 's account at Bank of America was hacked in exactly the same way by the same " XXXX '' for {$9600.00} even after Bank of America was notified by me that the " XXXX '' was a fraudulent account.
Product: Checking or savings account

In XX/XX/2020 around the XXXX, at XXXX XXXX, the Bank of America allowed XXXX To be taken from my account to a person who had stolen my identification card and all other personal information, and the teller allowed this person whom was not me to walk out the front doors. This man managed to convince the teller, in person that he was I, XXXX XXXX XXXX. They will not hold themselves accountable and they wont help me and treat me like Im lying when its obvious that they have camera and they say that I look like the same person that took the money but thats a given, theyd have to somewhat look like me if they got away with using my identification card and pin and thats their support for allowing everything I had taken from me in 10 minutes. Its been months snd I dont believe almost 9 months and stoll no support or help or care. Instead they closed my account and I cant believe they are getting away with allowing me to become a fraud victim due to their mishap. ImXXXX is to much money to be without and have stolen from you with no alerts or notifications. They let someone take my money. The masks do cover us up I get it but This should have never happened
Product: Credit reporting or other personal consumer reports

I requested again the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$5700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$530.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

After a comprehensive analysis of my credit report. There are FCRA VIOLATIONS from creditors Wells Fargo on my consumer 's report. Although, Transunion has deleted the erroneous items and, Equifax has reported positive payment history. Experian continues to report these errors. Wells Fargo is in clear violation of the following : FCRA 623 ( a ) ( 7 ) ( G ) ( i ) Negative Information from Financial Institutions If you are a financial institution ( as defined in the Gramm-Leach-Bliley Act ) that extends credit and regularly reports negative information about your customers to a nationwide CRA ( for example, XXXX, XXXX, or XXXX ), you must notify your customers that you report such negative information. 
Examples of negative information include a customers delinquencies, late payments, insolvency, or any form of default. 

FCRA 15 U.S. Code 1681b ( 2 ) Notice to Consumer FCRA 15 U.S. Code 1681n - Civil Liability for Willful Non-Compliance FRCA 15 U.S. Code 1681b - Failure to Validation of Debt After I sent that complaint letter for Equifax on XX/XX/2021 to adjust the credit reporting Wells Fargo then falsify more information by adding and removing positive payment history in addition to the negative furnishings Thus breaking more FCRA violations against me. Not only did they update my payment history incorrectly, they furnished new negative information on my account without informing me. Thus defaming my reputation and harassing me from my true creditworthiness. 

FCRA 15 U.S. Code 1681b ( 2 ) Notice to Consumer FCRA 15 U.S. Code 1692d Harassment or abuse FCRA 15 U.S. Code 1666b ( a ) Timing of Payments ; Informing consumer with statement mailed of coming payment
Product: Credit reporting or other personal consumer reports

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING AND INQUIRIES 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 Account # 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: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my previous communications regarding the removal of fraudulent items from my credit report. This marks the 9th formal attempt to address this matter. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved, adversely affecting my creditworthiness and financial standing. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX XXXX Opened XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$16000.00} XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : XXXX XXXX XXXX XXXX, XXXX EQUIFAX MORTGAGE XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX Balance : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX XXXX XXXX  Opened XX/XX/XXXX Balance : XXXXXXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX EQUIFAX MORTGAGE XXXX XXXXXXXX. XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX.
Product: Consumer Loan

I have traded in a vehicle with a new car loan and they paid off CarFinance in full. CarFinance had updated my credit report as paid in full. They have now reported the loan on my credit report with a balance of {$28000.00} and updating it monthly. This is incorrect. The balanced should be {$0.00}, showing closed and paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your report on me is in error because it contains information that is inaccurate. I request that you investigate the following and remove them immediately and prevent their reinsertion in my reports. 

XXXX : # XXXX {$0.00} Charge Off. This account does not belong to me. I have no knowledge of this account. Please validate this information with XXXX and provide me with copies of any documents related to this listing bearing my signature. In the absence of any documents bearing my signature, I request that this information be deleted from the file you maintain under my Social Security Number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.