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

Experian has a sign my file to a agent called XXXX XXXX this guy have blocked my disputes from disputing items, and reaching other agents to get real and honest help. Experian and XXXX XXXX has stored personal information where I can only see it if am disputing, on the credit report. On my experian site it shows inaccurate information but Experian has shown me inaccurate information knowingly its more to my credit report which to me is fraud to steal my identity or to make it look like my dispute is inaccurate but its not am being target by XXXX XXXX knowingly using deceptive tactics to undermine my credibility and give lenders the wrong impression. Experian and XXXX XXXX keeping old information and using as refurbished as new. Experian and XXXX XXXX has added to my Experian Credit Report under my social without my authorization address XXXX XXXX XXXX XXXX this address is a copy of my real address I wonder where Experian and XXXX XXXX get this also IU have proof its on my credit report I will send. Experian and XXXX XXXX has willfully noncompliance with the law and knowingly use deceptive tactics on my credit report to undermine my credibility and give lenders the wrong impression. Experian and XXXX XXXX on my request more than 4 times, again, have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Over and Over I ask and sent letters requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. I have proof with high light documents showing my complaint. Also I have proof that XXXX XXXX has contacted my banks and accounts that was not inside any disputes that I made.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Dispute of Inaccurate Information on Credit Report Dear Equifax, I am writing to dispute inaccurate information in my credit report. I have been a victim of Equifax 's negligence in its credit reporting dispute process, as outlined in the Consumer Financial Protection Bureau ( CFPB ) consent order dated XX/XX/2025. 
As you know, the CFPB found that Equifax violated the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ) in several ways, including : Failing to conduct reasonable reinvestigations of consumer disputes Failing to provide timely notice and all relevant information to furnishers regarding disputes Failing to review and consider all relevant information submitted by the consumer Unlawfully reinserting previously deleted information Failing to provide adequate notices of results of reinvestigations Failing to maintain reasonable procedures to assure maximum possible accuracy related to processing disputes Engaging in unfair acts and practices by using ineffective systems and flawed processes Failing to comply with identity theft block requirements Providing inaccurate consumer reports due to coding failures and other technology failures I have experienced the same issues with my disputes. I have submitted several disputes to Equifax, but inaccurate information remains on my credit report. I have included copies of my prior dispute letters and any supporting documentation. 
Due to Equifax 's negligence, I am requesting the following remedy : Removal of the following negative accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I believe this is a fair and reasonable request given Equifax 's repeated failures to comply with the FCRA. I hope that Equifax will take this request seriously and take immediate action to correct my credit report. 
I look forward to hearing from you soon. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

As instructed by us, Capital One debited our account on XX/XX/XXXX to pay a credit card bill. The credit card company ( also Capital One ) claims it never received the payment. One day in XXXX we were on the phone with Capital One bank for over an hour, at the end of which we were told that the debited amount would be recredited to our account. As of today ( XXXX ), this has still not happened. Meanwhile, we are getting nasty notices from the credit card company. We will pay our bill once, but not twice. Please help.
Product: Mortgage

We have own a townhome which requires an XXXX fee each month. The XXXX XXXX XXXX XXXX ) includes my payment for my outside dwelling insurance. We have been paying {$1000.00} over our normal payment to the mortgage company ( US Bank Home Mortagage ) for the past 3 months due to them not sending proof of insurance. We have sent multiple requests via email, we 've called and been transfered only to ever get a voice mail. They did however give us the insurance companies name we contacted the issuing agent giving her all the specific information again. She sent the same wrong information again. Our mortgage company keeps telling us that we have do n't right documents on file, we ask the XXXX again to fax the documents..mortgage receives says it will take 10 day to update payment information..every time we call back and ask if it has been fixed they say they still need the same information and they sent the wrong paper work. We cant afford our payments and out credit scores have been massively effected, and they said it will be put back in escrow " IF '' it is refunded which means we will not receive it till the end of the year.
Product: Credit reporting

The company never provide me with invoice to support the bill and the amount they request me to paid so I was never able to verify the authenticity of the invoice. It 's was a medical bills but never send any bill.
Product: Debt collection

I do not owe XXXX XXXX for ACCT. NUMBER XXXX for an amount of {$640.00} I contracted with a Company to consolidate and pay my debt.
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. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$11000.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX :
Product: Credit reporting or other personal consumer reports

CONSUMER REPORTING COMPANY BLOCKING LETTER XXXX in section 1681a ( p ) To : Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : The following Accounts do not belong to me : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Portfolio Recovery Associates continues to harass and defame me by continually calling me on the telephone over an alleged debt. I mailed two Debt Validation Letters to Portfolio Recovery Associates on XX/XX/2019 and XX/XX/2019 via Certified Mail and Return Receipt Requested ( see attached letters ). Portfolio Recovery Associates has failed to provide any physical verification. Portfolio Recovery Associates submitted false and erroneous credit information to XXXX, XXXX, and XXXX. This false and erroneous information has caused me severe problems by being denied credit, apartment rentals, and employment opportunities.
Product: Checking or savings account

I am trying to set up accounts for my children for a credit card company called XXXX, in order to teach them responsible credit usage and to teach them how to earn money by doing chores. 

PNC Bank wont allow me to link my checking account to XXXX.
Product: Credit reporting or other personal consumer reports

STUDENT LOAN : ALL DEPT OF XXXX ED In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

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 a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antidotes 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. 

I demand the collections be removed from my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of transunion inquiry issues i tried to contact customer service but they would not help and take care of the negative inquiries reporting to my credit report. Here is a list of the inquiries i ask to be removed XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX DBA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX AUTO XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX 2020
Product: Credit card

Take a look at the attached documents. I want the bureau to begin an investigation into these accounts, as I am never late, but they are reporting inaccuracies.
Product: Debt collection

I am writing to dispute the accuracy of certain disclosures in the credit agreement associated with the account XXXX  XXXX, which I believe to be in violation of TILA Section 1026.6. It has come to my attention that the following disclosures are inaccurate and misleading : The date of Last Reported Delinquencies : XXXX, XX/XX/year> These inaccuracies are not only misleading but also a violation of my rights as a consumer under TILA Section 1026.6, which mandates that disclosures must be clear, accurate, and in compliance with federal regulations. 

I request that you promptly correct these inaccuracies or remove this account from my credit file in accordance with TILA regulations and provide me with updated documentation reflecting the accurate terms of the credit agreement. Failure to address this matter within the legally prescribed timeframe may result in further legal action to protect my rights. 

Please provide the following information : Revised and accurate disclosure statements. 
An explanation of how the inaccuracies occurred and were identified. 
Proof of compliance with TILA Section 1026.6 requirements. 
I anticipate your timely response and a satisfactory resolution to this dispute. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I received email notification from XXXX XXXX on XX/XX/XXXX that remarks were changed on my credit report about an account previously held with Bank of America. In inspecting this change I noticed several negative changes to my XXXX XXXX and report due to this account. The account now lists Date of first delinquency more than 1 year after the closing of the account. The account was closed by the grantor on XX/XX/XXXX and is stated on the credit report. This was due to delinquency leading to account closure and then charged off. The first missed payment however, is now being reported as XX/XX/XXXX. I disputed this information on XX/XX/XXXX with Bank of America, XXXX, and XXXX. All disputes returned by XX/XX/XXXX with the comment that this information is accurate and would not be removed from credit report. The balance left on the card was already in dispute originally with the bank as there was fraud on the account that lead to them allowing it be overdrawn significantly and despite having to pay that back, the remaining balance was accumulated late fees, overdrawn fees, and misc. processing fees. I refused to pay the additional fees as I was forced to pay fraudulent charges that they allowed to overdraw my account by nearly {$1000.00} beyond its approved limit. Subsequently, it was charged off. This is now an obvious attempt at re-aging the account to continue reporting negatively against consumers they can not collect from and violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following inaccurate accounts on my credit report. 

XXXX : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX Date of inquiry : XX/XX/year> XXXX : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX DEPT OF EDUCATIONXXXX Account Number : XXXX DEPT OF EDUCATIONXXXX  Account Number : XXXX DEPT OF EDUCATION/XXXX Account Number : XXXX DEPT OF EDUCATIONXXXX  Account Number : XXXX DEPT OF EDUCATIONXXXX Account Number : XXXX DEPT OF EDUCATIONXXXX  Account Number : XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX DEPT OF EDUCATIONXXXX Account Number : XXXX DEPT OF EDUCATIONXXXX  Account Number : XXXX XXXX BANK Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX TransUnion : XXXX XXXX Date of inquiry : XX/XX/year> XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I wish to file a complaint on Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX. I received a notice from this debt collection company ( XX/XX/21 ) who states that XXXX XXXX, a company that I have open complaints against, have contracted them to collect a debt from me ( {$4400.00} ) that I did not accrue as I was the victim of fraud that was committed on my bank account. Their attempts to collect an unverified debt violates my rights under the fair credit and the fair debt collection practices acts respectively. Specifically, the debt is not owed and was generated and determined by XXXX XXXX  without any basis of fact. 3rd party collection agencies have a legal responsibility to validate a debt before initiating collection proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX should not be reporting each inquiry listed as a separate line item on my credit report for the 2020. These multiple inquiries in are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score and they need to be removed from my credit report. ( Please see pages attached from my credit report. ) This false reporting of multiple inquiries is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

I would like to bring your attention to a serious issue I have with Western Union wires that first took place on XXXX of XX/XX/XXXX to a FRAUD SCAM Brokers : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   ). 

I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  ) - the Scammer. 

The funds were transferred utilizing Western Unions services in the total amount of XXXX CAD! I would also like to point out that on XXXX of XX/XX/XXXX - I filed a dispute with Western Union.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, is showing 30 days late when in fact I submitted proof I was never late. On XX/XX/2018, I want this removed.
Product: Credit reporting or other personal consumer reports

BOA Credit card reported my account as delinquent to credit reporting agencies in XX/XX/XXXX : I have paid off the full balance every month ( with the few exception there were autopay glitches from their end ). There were never any balance owed. 

XXXX of XXXX, there was a duplicate payment for the full balance ( they took a phone payment and autopay in the same month ). When I found out, I requested one of the payments be posted back to my bank account. So for the months of XXXX and XX/XX/XXXX, there was an overpayment ( credit ) on the account so there was no balance due and I could not pay anything to account. I was on autopay for these months. 

The bank decided to credit me back for the duplicate payment in XXXX. Apparently when they did this, they reported me to credit reporting agencies as me being delinquent for the month of XX/XX/XXXX. They backdated the credit back to the original date of payment in XXXX and then said that I did not make the XXXX and XXXX payments ( despite the fact that they had my money in their possession until XXXX ). There would not be possible for me to retroactively pay for the months of XXXX and XXXX ( no balance b/c it was showing a credit to the account ). They also did not let me know that the payment back would result in this. 

When I call Bank of America credit card, they tell me that the situation is " unfortunate '' but the credit report is correct and nothing can be done. 

If nothing else, how can they take my money interest free for three months ( XXXX ) and back date the credit? They will not work with me. They tell me it is the consumer 's obligation to foresee the outcome and they have no reason for full disclosure. 

For the months of XXXX, I have never received any statement due. All those months, the balance was always showing a credit, so autopayment would not have been able to make any payment on the account. They RETROACTIVELY made me delinquent on my account by BACKDATING the credit from the duplicate overpayment. Had they only credited my account in a timely manner for the duplicate payment, all this would have been avoided, too. 

Please help me. I want them to remove the credit delinquency from my account. Thank you.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The following accounts are incorrect, and they are adversely affecting my livelihood. 

Inquires : XXXX XXXX XXXX Charge Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, there was written correspondence ( XXXX XXXX  ) sent to the Credit Reporting Agency Experian. I explained very thoroughly about the information within the Consumer Credit File was incorrect and needed to be removed IMMEDIATELY, as it was causing major harm to a Federally Protected Consumer. It is denying me the RIGHTS that are granted to me to secure what is needed for family, personal and household purposes. I also included the account information that I wanted to be removed because the information was wrong and the third party debt collector had no verification or validation that the alleged debt was owed but Experian decided to furnish the information anyways without any prior written consent and pursuant to15 U.S. Code 1681b - Permissible purposes of consumer reports they are in direct violation. I gave notice of my fee schedule for Experian being willfully noncompliant by furnishing consumer credit files that are misleading and false. I have attached the letter that was mailed and also an invoice.