23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

All of these inquiries I dont recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX
Product: Mortgage

I authorized mortgage company to automatically debit my checking account each month in the amount of my mortgage. When I submit an extra payment to be applied to principal, the lender does not apply the additional payment to principal, but instead applies the amount to my next scheduled payment. I have called to complain about this and was told that the only way to effectuate an additional principal payment was to send it in during the 7 days following my automatic payment but prior to the end of the calendar month. I think that is an unethical practice designed to prevent consumers from paying off principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a 7 year fraud alert and 7 year security freeze from Equifax verbally and by certified ma il on  XX/XX/2016     due to identity theft. I was told what was needed, what to request, in the letter by an Equifax operator I was told a copy of the police report, copy of my drivers license, and a copy of a utility bill. After receiving conformation of the letter delivery, I called Equifax to confirm these requests were put in place.     This weekend, my credit report was fraudulently obtained by a car dealership. They accessed my report while I was test driving a vehicle prior to any offer/discussion of purchase. When I returned from  the test drive,  I told them not to try to access my credit report because it was locked. They said no it isnt and said they had already accessed it. I asked them why they accessed it as I would not be using credit and their business manager told me it was to make sure they could accept a check from me and show I wasnt a  XXXX .     I called all  XXXX  credit agencies today to confirm that the fraud alert and security freeze were in place.     When I called Equifax today, I was told there was no security freeze in place and copies of my credit report could still be obtained by anyone requesting it.  XXXX , who said she was top management, confirmed that my certified letter requesting fraud alert and security freeze with the documentation of police report, copy of my drivers license, and a copy of a utility bill were in my Equifax file. I asked her why the security freeze was not active. She said probably because I requested a 7 year security freeze and they dont have that. She said that she could not add a security freeze now because the police report, drivers license, and utility bill were all from    2016  and were too old to add the security freeze. She said I would have to resubmit updated identifying documents AND a social security card she specifically said, only a social security card will do in order to add the security freeze. She said she would not add the security freeze until I submitted this information.
Product: Credit reporting or other personal consumer reports

We have diligently paid our Home Equity Line of Credit with XXXX XXXX  for the past ten years. In XXXX, we were informed that we had missed a payment for our account. We went through all of our documents and saw that no payments were missed. We have the computer printout from XXXX XXXX  showing all the payments made, statements will be attached. We went to XXXX and spoke to a representative, XXXX XXXX, that agreed with us. She saw that all the payments were made and made several calls, to no avail. She was the only one that tried to help us. XXXX then falsely claimed to the three credit bureaus that we missed payments. We disputed the late reporting with the bureaus. The three bureaus sided with XXXX, despite us sending them the evidence that the payments were made. XXXX then closed our account and told us to open another account. It is impossible to open a new account when there are recent late payments on a current account. When we started to investigate this issue, the bank said that we had missed many payments and they had frozen the account since XXXX, without notifying us! We were then told that we did not miss any payments, but that when XXXX merged with XXXXXXXX XXXX  XXXX, and then with XXXX, this caused the issue. XXXX never unfroze the account. If we had missed payments, XXXX would have begun foreclosure proceedings or debt collection. 

XXXX closed the credit line in XX/XX/XXXX and provided an Adverse Credit Denial which stated that they closed the account due to information from an outside source, yet they do not provide the name of the source. Our credit reports do not demonstrate any review by XXXX Bank, redacted report attached. All the calls I made to the bank, which were two to three hours each, without any positive resolution were extremely frustrating and frightening. We have lost many business opportunities as well as needing the credit line to help our daughter that was recently diagnosed with XXXX XXXX. This has been very distressing and no matter who we turned to, no one could fix the situation. This has caused many sleepless nights trying to figure out who we can turn to for assistance.
Product: Student loan

On a regular ( at minimum 2 times a year, realistically, quarterly ) Navient " accidentally '' applies all, or a portion of my loan repayment for my private loans ( high interest rate ) to my federal loans ( far lower interest rate ). Then, they apply a late fee, send collection letters and remove my participation in loan repayment incentive programs ( ie minor interest reduction for timely payment ). This has been increasing in frequency in the last 2 years. 

I have modified how my bank processes these payments to ensure that the account numbers reflected in my bill pay match those in my Navient statements for both types of loans. Yet, the problem continues. When I call Navient, they insist that I need to change my bank information. That is clearly not the issue. 

When I push back, they end up tossing me back and forth between the private loan servicing side, and the federal loan servicing sides of customer service- insisting neither can fully fix the issue. I typically have to point out I have already spoken to the other side of the company at least 2 times before the person trying to transfer me " looks one more time '' and is able to fix the problem. 

At this point, there is no way this is a fluke. It is persistent and nearly impossible to fix in any lasting or meaningful way- and the only solution Navient provides is that I sign up for their auto-debit. I do not trust them enough to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two accounts have appeared on my credit reports, both are fraud. 

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

CFPB + Experian, This complaint is in relation to a credit account this creditor ( XXXX XXXX XXXX has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling these unverified and inaccurate accounts for awhile now and this haven't been proven whatsoever. The information across the reporting bureaus are different from each other implying that these accounts have different values and information. 

Also, there are some unauthorized inquiries that I don't recognized.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have never had an account with XXXX. I have an account opened under my information and it is not me.
Product: Credit reporting or other personal consumer reports

I've been tirelessly attempting to rectify a fraudulent account linked to XXXX XXXX  on my credit report, to no avail. This account is not associated with me. Despite numerous phone calls, letters, and other efforts spanning several months, XXXX XXXX  remains unresponsive to the grave error of an unauthorized credit card appearing on my report. This oversight has adversely affected my credit score to the point where I'm unable to secure a home. 

It's disheartening to witness large corporations seemingly overlooking the concerns of individual consumers. I earnestly hope the CFPB can intervene to correct this mistake, allowing me to move forward in my life. The apparent oversight on XXXX XXXX  's part has significant repercussions on my credit health. Given that my attempts to communicate with XXXX XXXX  have been unproductive, I believe that seeking the CFPB 's assistance might be my only recourse.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized and fraudulent inquiries listed on my Experian credit report. I believe these inquiries were made without my knowledge or consent, constituting a violation of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA, specifically Sections 604 and 605B, protects consumers from unauthorized credit inquiries and ensures that fraudulent information is promptly removed from credit reports. 

The following inquiries are fraudulent and were not initiated or authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2023 As outlined in Section 604 of the FCRA, permissible purposes for credit inquiries require explicit consent from the consumer, or a valid application initiated by the consumer. I can confirm that I did not authorize or initiate any transactions or applications associated with these inquiries. 

Additionally, under Section 605B of the FCRA, as the victim of unauthorized credit activity, I am entitled to have these inquiries removed from my credit report without delay.

A signed statement attesting that these inquiries were not authorized by me. 

I kindly request that you investigate this matter, delete the fraudulent inquiries from my credit report, and send me written confirmation of the removal. Furthermore, please provide me with an updated copy of my credit report reflecting these corrections. 

If you need any additional information or documentation from me to assist with your investigation, please do not hesitate to contact me directly at XXXX or XXXX Thank you for your prompt attention to this matter. I look forward to resolving this issue quickly.
Product: Debt collection

I received A letter on XX/XX/XXXXdated XX/XX/XXXXfrom XXXX XXXX at a company called XXXX XXXX XXXX XXXX XXXXXXXX, a Subsidiary of Global Financial Services Group , Inc. the letter was addressed to my birth name, which I had legally changed in 2018. The letter claimed that XXXX was a collection agency for my creditors identified below. I had failed to pay {$970.00}, which had resulted in my account being sent to collections. The credit tours were health care providers located within the network of providers in my local Hospital System, which I did regularly see between XXXX. However, I was on a long-term payment plan set up with this Hospital Systems billing department. I called the billing to be sure everything was okay. The representative from my Hospital Systems billing department, where the overdue amounts listed were taken from, said that my account was up-to-date, I had not been sent to collections, and they did not know of any company called XXXX. Moreover, they did not know where this {$970.00} amount came from. I made sure to ask that I didn't owe such-and-such amounts listed. It was confirmed, the letter wasn't real. As I looked at the amounts and dates provided by XXXX I realized some of the procedures were over a year old and had already been paid for, and certain ones had to be paid for up front like with XXXX or XXXX XXXX. I did a little research on the company and realized this wasnt the first time theyd tried to collect on a nonexistent or already paid medical debt. I was phoned by a XXXX representative on XX/XX/2018 at XXXX XXXX asking for my former name. I replied that she was speaking with the person of my legal name but refused to give any personal information once she revealed she was with XXXX. When I told the representative Id contacted my healthcare providers that theyd listed in the letter -- who had no idea what this company was or where this debt came from -- she kept insisting she could give me more information if I confirmed my identity. I told her XXXX would be getting a legal letter explaining how they could prove, without question, I owed a debt to them. The burden of proof wasn't with me. I didn't have to prove who I was since I'd confirmed her company wasn't affiliated with my health care 's billing system. Once I mentioned legality and government reporting, she said : Okay, Miss, Ive updated your account, goodbye. And hung up. Im sending them a certified letterbased on a template borrowed from the Consumer Financial Protection Bureauand shall be reporting them not only to the FTC, but my Attorney Generals office, as they are located within my state. Here is the companys local address and website : XXXX XXXX XXXX XXXXXXXX Dispute Resolution Department XXXX XXXX  XXXX XXXX, SC XXXX https : //www.globalfinancialservice.net/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing with deep concern regarding the unauthorized inclusion of information in my consumer report, a clear violation of 15 U.S. Code 1681b. This letter serves as an official dispute, urging your agency to conduct an immediate and thorough re-investigation into this breach of my rights. 
Account Name : XXXX Account # : XXXX On XX/XX/2025 I submitted a complaint to Experian regarding certain accounts that I believe to be inaccurate. I expected a thorough re-investigation as mandated by the Fair Credit Reporting Act ( FCRA ). However, in their responses, Experian claimed these accounts were " verified '' without providing the actual sources or evidence of their verification process.

According to FCRA 611, I request that the credit reporting agencies reinvestigate the items in my initial complaint. Specifically, I am asking them to : * Provide the source of information they relied upon to verify the accounts. 
* Confirm whether they contacted the XXXX regarding the late payments, as this is crucial for establishing the accuracy of the contested items.

I am disputing the accuracy of the information contained in my consumer credit report. Upon recent review, I discovered entries that violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which mandates the maximum possible accuracy of information in a consumer 's file. The entries in question were reported without my written permission, contravening the requirements outlined in 15 U.S. Code 1681b ( 2 ) of the FCRA.

I request an immediate, comprehensive, and impartial re-investigation into these entries, along with a detailed response outlining the findings, including the original written instructions from me with my wet signature.

If Experian can not provide a valid source for their " verified '' response, I demand that they delete all contested items from my credit report, as they can not legally claim verification without proper investigation.

Furthermore, I request documentation, including the periodic statement and tracking number, to prove that each periodic statement was delivered to me at least 21 days before the payment due date, as mandated by 15 U.S. Code 1666b.

Failure to comply with the legal requirements outlined in
this letter will necessitate pursuing all available legal remedies to address this violation of my rights under the FCRA. Please be aware that failure to comply with the FCRA may result in claims of willful noncompliance and negligent noncompliance, which could lead to compensation for all credit denials attributable to these contested items.

I appreciate your prompt attention to this matter and look forward to your response.
Product: Credit reporting or other personal consumer reports

I would like a full investigation to be conducted on my XXXX Transuion and XXXX report there are items thats should not be on there and I have been going through this for over a year it is my understanding that these companies are currently being sued due to the negligence of the investigations
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA 609 STATES THAT Credit report has to be 100 percent accurate and My college loan comes from the department of education not XXXX therefore by then stating I owe them Is not true they are a private contractor who don't have my permission to report on the status of what I owe to department of education
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to request that you remove the child support information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ) ( 1 ), child support obligations are not considered " credit items '' and should not be included on a credit report.

Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has stated that " child support obligations are not debts and should not be reported as such '' ( CFPB Bulletin XXXX ). 
Please remove this information from my credit report immediately. My account information is as follows : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Report Number : XXXX Please confirm in writing that this information has been removed within 30 days.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies and requests for thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and significantly hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, leaving me with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have gone so far in proving to you that I am a victim of identity theft to the point that I have already called the furnisher and guess what? They have agreed to DELETE the accounts so why dont you delete them now? I have forwarded to them my FTC just like what I did to your agency and they are aware of the misleading information on my report. I need you to do your job as well just like the creditor did. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. PLEASE DELETE these accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX