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

XXXX XXXX acct # XXXX is inaccurately / inconsistently reporting data on my consumer reports. This is negatively impacting my credit scores, let alone my character, and causing loss of ability to secure a mortgage with my fianc. I want these damages to END!!! 

Inaccuracies and inconsistencies on XXXX and EQUIFAX and XXXX Further, the late payment histories are inaccurate/inconsistent in their respecting reporting, and also negatively impacting my credit scores, let alone my character, and causing loss of ability to secure a mortgage with my fianc. The account is CLOSED therefore NOTHING is late WHATSOEVER.

I have attached screen shots of the discrepancies, circled.

15 USC 1681e states : ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681i states : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 USC 1681n states : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual 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} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

PLEASE DELETE THIS ACCOUNT FROM MY CONSUMER REPORT IMMEDIATELY.
Product: Student loan

I filed a complaint ( XXXX on XX/XX/XXXX ) because my servicer never sent over my XX/XX/XXXX payments to department of treasury when I asked for a refund. They agreed that I would not be responsible for those payments and to credit my account {$4200.00} by XX/XX/XXXX ( they said they needed 30 days ). 
On Monday, XX/XX/XXXX and reached out them because they never credited me. The representative I spoke to, told me they actually needed XXXX business days to credit the amount. I said that is fine, but what would happen to the interest that would accrue in the mean time, she assured me I would not be responsible for the interest, since I didn't owe the money. I followed up today, XX/XX/XXXX just to make sure they were on track to zero out my balance by the XX/XX/XXXX - the XXXX business day. I was told that they would put in a request and it would be reviewed in XXXX business days. It takes several hours to get someone on the phone, and I get a different date or response everytime. I had a balance of {$4200.00} before the XX/XX/XXXX. They didn't credit my account for the balance, and now have started adding interest. I want my account balance to be 0, as promised. They continue to miss deadlines and I fear they will try to charge me interest on money I never received and that should have been credited before the interest started again on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute and request the removal of certain previous addresses from my credit report, as governed by the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I noticed that there are addresses listed that are no longer associated with me, and I request that they be removed promptly. 

The inaccurate addresses that I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are outdated and do not reflect my current residency. According to the FCRA, only accurate and verifiable information should be present on my credit report. As such, I am requesting the removal of these addresses to ensure the accuracy and integrity of my credit file. 

The only address that should remain on my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX I have attached proof of residency documents for my current address to support this request. I kindly ask that you investigate this matter and remove the inaccurate addresses from my credit report as soon as possible. 

Under the FCRA, I am entitled to a fair and accurate credit report, and I trust that you will take the necessary steps to rectify this discrepancy. Please provide written confirmation once the incorrect addresses have been removed from my credit report. 

Thank you for your attention to this matter. If you require any further information or documentation, please do not hesitate to contact me at the provided contact information. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

The on XX/XX/XXXX I paid in full a medical debt owed to XXXX XXXX XXXX to Universal Collection Systems. I followed up with a phone call that was never returned. On XX/XX/XXXX I received a notice that my payroll wages would be garnished in the amount of {$860.00} due to an already paid debt. I reached out again only to have the call to go without an answer. On XX/XX/XXXX Upon looking into my payroll for the week my wages have been garnished for {$390.00} for a debt that I do not owe.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the Convergent account 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 it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved.

Attorney Fees Reimbursement : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. This matter requires legal intervention, I will pursue recovery of all related costs and attorney fees.
Product: Debt collection

The person who identifies herself as XXXX calls every day and tells my boss that I " do n't pay my bills and that I am paying 390 % interest ''. I got on the phone and said I have asked over and over not to be called at my employer b/c its not allowed and she said " then pay your bills. Until then I will call you every day. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XX/XX/XXXX I was able to review my Experian credit report. I noticed that on the following dates, the following companies inquired, completed a hard inquiry on my Experian credit report WITHOUT my consent or permission. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX On neither of those two dates did I authorize either one of those companies to make a formal inquiry on my Experian credit report. I am formally requesting that Experian REMOVE both of those hard inquiries from my Experian credit report. It is affecting my current credit score. Also, I have been a victim of identity theft in the past.
Product: Mortgage

My children and I are victims of identity theft Bank of America is fraudulently taking my home I was made aware by a big orange sticker on my door I immediately went to the bank sat there for hours with the manager who then seen my name was forged he immediately filed his a fraud claim for identity theft and gave me a copy of the mortgage papers but would not give me a copy of the loan number then Bank of America made me sign and affidavit of innocent and the investigation began at first they were evasive and then when I finally got someone I was told it was the employees that work there even the Notary allowed the fraud to occur I did not give anyone permission to forge my name nor was I ever aware of this whole fraudulent loan and now the bank will not help me prosecute the people who did this What they will down is put me and my children on the streets I dont know what to do I need help please
Product: Student loan

I requested a refund, through Fedloan servicing, for monies paid during the CARES Act postponement. They responded stating that " After further review records show a refund was issued to your bank account on file on XX/XX/2022. If you have not received the monies we would recommend contacting your financial institution. " On XX/XX/2022 explained that my bank does not have a record of this deposit with any of my accounts. I also think I would notice a deposit of {$11000.00}. I requested they tell me where they sent this money to, as it was not to any of my bank accounts. I have not had a response. 
The loans were serviced through XXXX at the time I was making these payments, please see previous complaint # XXXX. 
The response to this complaint was to go through Fedloan servicing which I already attempted. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I  XXXX   XXXX   XXXX  have not received my credit report through the mail as requested. I just tried to request it again. I keep getting an interruption that my credit report has already been sent. I have not received my report in the mail as requested by any of the  XXXX  credit bureaus. Please help me get all  XXXX  of my annual credit reports.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , WY  XXXX
Product: Debt collection

This company has pursued this fictitious debt against me for several years and in the past has used threatening phone calls and other tactics. I have previously filed police reports yet they persist in harassing me. 

XXXX XXXX XXXX continues to claim that Plaza Services , LLC purchased a debt for {$2000.00} from XXXX XXXX with account number XXXX for a loan prior to XX/XX/2019. This loan has never existed.
Product: Debt collection

The account was paid I asked them to remove it off my credit report they told me that they did not received and updated or that my account was paid off I have Proof that my account was paid in full. This has caused me to go into a XXXX XXXX I am XXXX out and I cant think straight This is not fair at all please help me I am trying to purchase a house and I can not purchase my house because this is holding me up.
Product: Credit reporting or other personal consumer reports

I have disputed more than once and asked for written verification of the information and get no response or written prood. 
Subject : Dispute of Inaccurate Credit Report Information Dear [ Credit Reporting Agencys ], I am writing to dispute several inaccuracies on my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). As a consumer, I have the right to accurate credit information under the FCRA, specifically Section 607 ( b ), which states that " If the consumer disputes the accuracy of any item of information contained in his file, the consumer shall be informed promptly of the name, address, and nature of any person who provided that information. '' I am requesting the immediate removal of the following items from my credit report : 1.

2.

3.

Personal Loan Inquiry for Child Support : This inquiry is incorrect and was added without my consent. I have never applied for a personal loan related to child support. Under the FCRA, Section 607 ( b ), I have the right to dispute this inaccurate information and have it investigated.

Bankruptcy Inquiry : The courthouse does not disclose bankruptcy information to credit bureaus. Therefore, I request an explanation of how this inquiry was obtained. This violates the FCRA, as it is inaccurate information that is being reported on my credit report.

All Hard Inquiries : These inquiries were added to my credit report without my knowledge or consent. This is a violation of the FCRA, Section 607 ( b ), which requires that consumers be informed of any person who provided information on their credit report. 
I am also requesting that you provide me with a copy of the credit report investigation summary, as required by the FCRA Section 611 ( b ). This summary should include the results of your investigation and any actions taken to correct the disputed information.

Furthermore, I would like to inform you that the Colorado Consumer Protection Act has recently been amended to increase penalties for violations. Specifically, the act now states that a plaintiff in an individual action may be awarded damages equal to the sum of {$500.00} per violation. 
Additionally, the act allows for class actions to be brought, and damages may be awarded to the class. This legislation strengthens the rights of consumers and underscores the importance of accurate and fair credit reporting. 
I am enclosing copies of my credit reports from all three major credit bureaus. 
Please investigate these disputed items promptly and provide me with a written confirmation of their removal from my credit report within the timeframe specified by the FCRA. 
If you are unable to verify the accuracy of any of these items, I request that you remove them from my credit report until such time as you can provide documentation to support their accuracy. 
Thank you for your immediate attention to this matter. 
Sincerely, [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts and inaccurate information I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts and inaccurate information : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX CT XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CT XXXX XXXXXXXX XXXX XXXX XXXX XXXX CT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$2200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$510.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$180.00} XXXX XXXXXXXX Balance : {$3.00} XXXX XXXXXXXX Balance : {$9.00} XXXX XXXXXXXX Balance : {$1.00} XXXX  XXXX Balance : {$20.00} XXXX  XXXX Balance : {$20.00} XXXX XXXX Balance : {$16.00} XXXX XXXX Balance : {$14.00} XXXX XXXX Balance : {$11.00} XXXX XXXXXXXX Balance : {$9.00} XXXX XXXXXXXX Balance : {$8.00} XXXXl XXXX Balance : {$8.00XXXX XXXX XXXXXXXX Balance : {$6.00} XXXX XXXXXXXX Balance : {$4.00} XXXX XXXX Balance : {$9.00} XXXX XXXXXXXX Balance : {$7.00} XXXX  XXXX Balance : {$23.00} XXXX XXXX Balance : {$33.00} XXXX XXXXXXXX Balance : {$23.00} XXXX XXXX Balance : {$33.00} XXXX XXXXXXXX Balance : {$23.00} XXXX XXXXXXXX Balance : {$9.00} XXXX XXXX Balance : {$15.00} XXXX  XXXX Balance : {$19.00} XXXX XXXXXXXX Balance : {$33.00} XXXX XXXXXXXX Balance : {$19.00} XXXX XXXXXXXX Balance : {$33.00} XXXX XXXXXXXX Balance : {$19.00} XXXX XXXX Balance : {$23.00} XXXX XXXX Balance : {$10.00} XXXX XXXX Balance : {$7.00} XXXX XXXX Balance : {$16.00} XXXX XXXX Balance : {$13.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$430.00}
Product: Debt collection

I disputed the stuff every time in the same error message pops up, like I dont understand why every time I dispute something it goes into the negative and the same message popped up when I try to do it
Product: Credit reporting, credit repair services, or other personal consumer reports

i am suffering because my credit look bad because these reporting agency 's are reporting info and accounts that are inaccurate on my report and i demand it be removed asap!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Called and was stated to file complaint FTC incorrect reporting late payments on XXXX account XXXX for the months of XXXX, XXXX, XXXX, and XXXX XXXX Equifax ; Called and was stated to file complaint FTC incorrect reporting late payments on XXXX account, for the months of XXXX, XXXX, XXXX, and XXXX
Product: Credit reporting or other personal consumer reports

The following inquiries were done without my written authorization or consent XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX 2025, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken.

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 
XXXX XXXX XXXX, XXXX, CA, XXXX
Product: Checking or savings account

Around five years ago, I opened a checking and savings account with U.S. Bank. However, I have since moved to a city where no U.S. Bank branch is available. As a result my account became dormant. However I intend to keep my account open, in case I need further service from U.S. Bank. At their customer service agent 's suggestion, I set up a monthly transfer to prevent my account from going dormant again. This has worked well for multiple years. 

In XX/XX/2023, I noticed I was suddenly charged a " XXXX XXXX XXXX '' of XXXX dollars. I immediately contacted U.S. Bank. The customer service agent reassured me that they reactivated my account, and they will refund the service charge. I asked them to close my account, but they reassured me that the service charge will not happen again, and I can not close my account before the reactivation is fully processed in a day or two. 

In XX/XX/2023, however, I was charged the same fee again. I immediately contacted U.S. Bank again. The customer service agent reactivated the account again, and reassured me the service charges will be refunded. 

In XX/XX/2023, I noticed the service charges have not been removed. I contacted U.S. Bank again, and they told me the account has been reactivated successfully, but they can not refund the service charge. I asked to speak with a supervisor, but they claimed one is not available, but will give me a call back. I never received such call. 

I contacted U.S. Bank again, and the agent submitted a request to get the service charges refunded. I asked for a reference number but she couldn't provide any. 

It has been a week and the refund still has not happened. Therefore, I hereby submit a complaint, hoping for a fair resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject XXXX Request for Removal of Unauthorized I identity theft Hard Inquiries Dear Experian, XXXX I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, and these are negatively impacting my credit score. 

The unauthorized Identity theft inquiries are as follows : XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), ' have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and a copy of my credit report with the inquiries highlighted. 

I have a FTC REPORT Submitted to the CFPB Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate a confirmation once the removal is completed or any further steps I need to take to resolve this matter. 
Thank you for your prompt attention to this issue. 

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

I am speaking about XXXX, Equifax, and XXXX. The report shows I owed money to the company that I have already repaid. On some of the reports it has duplicate. They are student loans ( dept of education ), some have XXXX also reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act The Creditor : XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXXXXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX XXXX Account # 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