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

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account # XXXX inside this complaint on dates of [ XX/XX/year> and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid on time never late immediately as they should be due to the fact i was never late
Product: Credit card

On XX/XX/2025, I received XXXX e-mail notifications from American Express of charges that I had not initiated on my credit card ( {$210.00} and {$820.00}, both to XXXX XXXX PURCHASE ). Within minutes of receiving the notification, I called the number on the back of my card ( the card is in my possession ) to report that I had not made these charges. I also placed a freeze on my account to ensure no further charges would be able to get through. American Express did agree to cancel my card and issue me a new card/number -- however, it took some time to convince the person on the phone that I had not made the charges and some of the statements that were made were not helpful ( " we would hate for you to jeopardize the long relationship you have had with American Express XXXX XXXX. 

Subsequently, I got e-mail notifications ( due to freezing the account ) that there were at least XXXX other attempts to use the cancelled number on XX/XX/XXXX and XX/XX/XXXX. I have called American Express XXXX times ( twice on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to report the original and subsequent fraudulent attempts and to request that the {$210.00} and {$820.00} charges be marked as fraudulent. I also sent a letter on XX/XX/XXXX ( see attachment ) making this request. The customer service representatives I talked to on the phone have told me that the charges are being investigated and could take up to XXXX days, and they would request written confirmation of the disputed charges. They have assured me that I do not have to pay the disputed charges -- however, those charges are still listed on my statement, and my attempts to dispute them through my online American Express account were rejected. Therefore, I would be more comfortable receiving something in writing. So far, I have heard nothing on the progress of the investigation.
Product: Credit reporting or other personal consumer reports

I submitted a complaint last XX/XX/2023. Some negative items got deleted but there are still a lot remaining negative items which is badly hurting my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly on the XXXX/XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was being charged automatically every month by my dental office. I was seeing a dentist to have XXXX XXXX XXXX made for me. The dental office finally contacted me and asked me to schedule an appointment to be fit with my XXXX. Every time I had a scheduled dental appointment, the dental office re-scheduled the appointment. I have yet to be fit  with the XXXX XXXX. The dental office continued to bill XXXX XXXX even though the dentist never completed the XXXX XXXX. I finally was able to reach the billing department at the dental office regarding these re-occurring payments and the dental office billing department told me to call XXXX XXXX. When I called XXXX XXXX, the representative with XXXX XXXX informed me that this was a billing issue with the dental office. I have not been able to resolve this issue and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Checking or savings account

On XX/XX/, two accounts were fraudulently accessed via a TD Bank ATM at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. Withdrawals of {$300.00} and {$400.00} were conducted on my Savings and Checking account, respectively. These transactions were not authorized by me. My card had always been in my possession and further to that, I have never shared my PIN with anyone. I contacted the Fraud Dept at TD Bank and filed a dispute on XX/XX/, and was assigned Claim Number XXXX. Upon their alleged review of my dispute, TD Bank determined an error did not occur, even in light of the transactions occurring in New Jersey, when I reside and work in XXXX and ATM transactions are absolutely out of the ordinary for my account. TD Bank has not credited my account with the missing funds. In my frustration, I reached out to the Headquarters in XXXX, who directed me the XXXX XXXX XXXX. They instructed me to press charges. I then contacted the XXXX at the XXXX XXXX and was instructed to file this report. 
This horrifying experience has caused great distress as I now imagine my identity is exposed and my financial information has been compromised. I hope this can be reviewed diligently and I am fully vindicated.
Product: Credit reporting or other personal consumer reports

The items listed below are reported again on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX  CARD SERVICES XXXX Balance : {$2900.00} XXXX XXXX  SERVICES XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$27000.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX, 2023
Product: Mortgage

On XX/XX/2020, a mortgage company paid Bank of the West a {$200.00} subordination fee for our HELOC and even after calling and email, it never happened. Now trying to close the HELOC and unable to get a response from Bank of the West. Banks are only interested in opening accounts. This is not satisfactory.
Product: Credit reporting

In XX/XX/XXXX, a Collection firm by the name of XXXX XXXX placed an inappropriate Collection Matter on my Experian credit report, for $ XXXXAfter my dispute of this Matter, it was fully removed from reporting at Experian. 
In XX/XX/XXXX/XX/XX/XXXX, the aforementioned inappropriate Collection Matter was reinserted to my Experian credit report, this time, under the name XXXX XXXX XXXX. 
I immediately disputed the inappropriate Matter once again with the Consumer Financial Protection Bureau, as I did on each occasion of this Matter ( see CFPB files # XXXX, XXXX, and XXXX ) By XX/XX/XXXX / XX/XX/XXXX, the inappropriate Collection Matter was again removed. 
As of XX/XX/XXXX, the aforementioned highly inappropriate information has again been reinserted to my Experian credit files, for the XXXX time. 
This time, it is listed under the name of XXXX, XXXX. The amount of {$540.00} is still unchanged. 
Once again, this alleged creditor chooses to continually misrepresent this Matter to a national credit bureau. 
Further, the alleged creditor and each collection agency chooses to " re-age '' this alleged account with each new round of misrepresentation. 
When it was first reported in XX/XX/XXXX, it was reported as having originated in XX/XX/XXXX. 
When it was inappropriately re-reported in XX/XX/XXXX, it was reported as having originated in XX/XX/XXXX / XX/XX/XXXX. 
And, in this latest round of highly inappropriate credit reporting, it is now reported to have originated in XXXX 2015. 
The alleged credit incident that originally occurred in XX/XX/XXXX, has now been " re-aged '' to XX/XX/XXXX, a blatant misrepresentation of sixteen months time. 
I ask that this highly inappropriate and repeated misrepresentation of factual credit data be once again removed from my Experian credit report. 
Further, if there is a way to stop this repeated cycle of blatant misrepresentation to the credit bureau, I would like to take action on that, as well. 
As always, thank you for your continued assistance in this Matter. 
Should you have any questions, or require additional documentation, please do not hesitate to contact me at your earliest convenience. 

Sincerely / XXXX XXXX XXXXXXXXXXXX
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 XXXX XXXX - Account # XXXX - has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights National XXXX XXXX XXXX Account XXXX XXXX has violated my rights 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
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- States 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 item of information, other than records of conviction of crimes which antedates the report by more than XXXX years.
Product: Vehicle loan or lease

On XXXX XX/XX/XXXX my wife and I purchased a new Volkswagen XXXX  XXXX  from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, VA XXXX. At the time of the purchase my wife an I purchased the GAP insurance product for {$790.00} which was added to the total amount financed for the car. 
Today, XXXX XX/XX/XXXX, I went in to the dealership to request a pro-rated refund on the GAP policy as my wife an I no longer need the protection. I spoke with one of the finance managers who attempted to look the policy up on the insurance company 's ( XXXX XXXX XXXX XXXX ) website but could not locate the policy using the policy number on our GAP policy paperwork. The finance guy then called XXXX and spoke to a rep with the phone on speaker-phone. When asked why the policy wasn't coming up on the website the rep stated, " The paperwork for that policy was never submitted. '' The fincance guy then ended the call and I told him that didn't make sense as I had the policy paperwork in my hand and my purchase contract ( at home ) had the GAP policy on it. The finance guy then printed out a copy of the purchase contract from their archive system. The document he printed did not have the GAP insurance on it. He stated that my wife an I must have declined the coverage but did not have an answer when I asked him why I would have the GAP policy document signed by us and the dealer rep if we had declined the policy. 
I left and went home and looked at my paperwork. The GAP policy is listed on our purchase contract, which by the way is the real and legitimate paperwork. 
What has, obviously, happened is that someone at the dealership created a fake sales contract which omitted the GAP insurance and filed that contract in their system, never submitted the paperwork to XXXX to initiate the policy, and pocketed the {$790.00} premium we paid for the GAP policy. 
This is larceny and insurance fraud.
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 confidentiallity under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 section 602 A. States I have a right to privacy.

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

15 USC 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) ( A ) Reporting information with actual knowledge of errors 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.
Product: Credit card or prepaid card

In XX/XX/2020, I signed up for a Discover Card because of their copious 0 % balance transfer deals and options. We had transferred, made payments, made purchases etc. without incident until XXXX of this year. On XX/XX/XXXX we did {$7100.00} worth of business in the form of balance transfers per Discover Cards posted offers. On XX/XX/XXXX a hold was placed on my account for " Personal Identification/Information needed ''. I received 1 ( one ) email that I disregarded as a Phishing Attack ( " Problem with your account ... '' ) because I logged into my account directly and found no messages, no alerts... just an Account in good standing with a XXXX balance. On approx. XX/XX/XXXX I received 1 ( one ) phone call/voicemail with approximately the same message. Again, log into my account to find no notifications, no alerts ... nothing indicating that my account was anything other than in good standing and, because of the advertised balance transfers and out use of them, Discover owed me a little over {$300.00} in overcharges. The week of XX/XX/XXXX I attempted to use the Discover card to buy a new desk but the card was declined. Discover had canceled my account after attempted to get ahold of me exactly twice : one email, one phone call, and nary a word on their official site and my official account page. Now I have a negative mark on my report that they closed an account with a {$9000.00} limit, my other balance transfers failed causing more fees and overages. Only when I called to find out why I couldn't buy the desk did I learn any of this. Oh, and they couldn't just re-open my account because more than 30 days had elapsed since the freeze on XX/XX/XXXX ( i can't find the exact date, but it was about a week beyond the 30 day ), per internal policies, never mind the fact that I was happy to give whatever they wanted because their out-reach policy and XXXX and looks like Phishing Attacks. I wish I had more to give you but... The email was trash, it looked fake ; the website told me nothing was amiss ... When the Account log in page gives no warning or visual cue, what am I to think?
Product: Credit reporting or other personal consumer reports

I have 2 fraudulent inquires on my credit report and i need them removed immediately Here is a list of the 2 fraudulent inquiries i need removed from my credit report XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 I had tried mailing and calling XXXX but they will not help so I need these 2 fraudulent inquiries taken off because it goes agaisnt the fair credit reporting act because they do not belong to me and are not linked to my account
Product: Credit reporting or other personal consumer reports

I have never pay late and Citi put in my credit a charge off. I almost paid full my credit card and I was never late. They were responsable for not putting a credit limit on my card. Please see my attached a screenshot of my account.
Product: Credit card or prepaid card

I WAS CONTACTED BY THIS COMPANY TIMESHARE REGISTRY INTERNATIONAL ON XX/XX/08 AND THEY WERE TO PERFORM A SERVICE FOR ME WITH MY TIMESHARE AND I PAID THEM XXXX ON MY CHASE VISA CREDIT CARD. AFTER PAYING THEM I HAVE NEVER RECEIVED ANY CALLS FROM THIS COMPANY AND I HAVE TRIED TO CALL THEM BUT NEVER GOT AN ANSWER. I HAVE CONTACTED CHASE CREDIT CARD AND THEY TOLD ME THEY COULDNT HELP ME THERE WAS NOTHING THEY COULD DO. I AM THERE CLIENT AND THEY SHOULD BACK ME ALL THE WAY SINCE I WAS FRAUDED OUT OF ALL THIS MONEY BUT THEY DID NOT. I LIVE ON A FIXED INCOME AND HAVE TRUSTED THIS AND OTHER COMPANIES TO FOLLOW THROUGH WITH WHAT THEY TOLD ME BUT STILL THE CREDIT CARD SHOULD BACK ME AS THERE CLIENT. PLEASE HELP ME GET MY MONEY BACK.
Product: Credit reporting or other personal consumer reports

Transunion is on the repeat offender list per the CFPB The company did not comply with the new interpretation of the law and ensure the timely correction of this error.

Below is the letter sent certified mail and received by Transunion Please comply with the new interpretation of the law and ensure the timely correction of this error. Kindly provide written confirmation of the removal of XXXX XXXX Bankruptcy : Bankruptcy XXXX XXXX, XXXX. {$0.00} Discharged Overview Reference Number XXXX Date Filed XXXX XXXX, XXXX Classification Bankruptcy Type XXXX XXXX Bankruptcy Responsibility Individual Asset Amount XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX ) XXXX from my credit report. 


As of XX/XX/XXXX per the Consumer Complaint Database there are showing {$28.00}, XXXX total complaints regarding inaccurate reporting of Bankruptcies between the dates of XX/XX/XXXX XXXX on the Consumer Financial Protection Bureau 's website.

The federal agency announced it was creating a public registry to help law enforcement, investors and the public check the history of repeat offenders in finance. The CFPB already offers consumers who have been victimized by a financial firm the ability to file a public complaint with the CFPB. The agency then quickly demands a written response from the alleged wrongdoer. Repeat offenders dislike the fact that these complaints go into a permanent database at the CFPB, which can be mined by the public, reporters, attorneys and prosecutors looking for patterns of fraud.

I did not dispute I sent notice to have the Missouri Bankruptcy removed from my credit report and Transunion responded that my address has been UPDATED I have attempted several times to have a bankruptcy removed from my consumer credit report. Transunion has deliberately refused to remove the bankruptcy. I have included the NOTICE posted on Transunion website regarding removing Judgments, Liens, Delinquent Child Support. Transunion is on the repeat data base per removal of bankruptcies. Transunion responded that my address has been UPDATED. The bankruptcy was not removed from my consumer credit report as required by law.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had 3 late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to be paid on time immediately. Thank you for your understanding and prompt action. 
XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified have an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect this corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the necessary corrections. 
Below are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters of dispute over the course of 5 months dated XX/XX/21 and XX/XX/21. I have yet to receive an investigation, response, or any type of communication back.
Product: Debt collection

Dear Sirs or CFPB, I would like to tell you about NorthStar Locations Service under 3rd party with XXXX XXXX XXXX. 

I got letter from NorthStar Locations Service from XXXX and I owed them almost XXXX less. I won't pay them. Can you tell them and I would like to dispute them right now. 

Because It was before Scam and XXXX XXXX, She stole id theft from me and really bad and no reason pay owes to them. It was mess up from XXXX XXXX XXXXXXXX Pushing to Northstar Locations Service LLC. and it's mess up with it. I am really suprised myself. I don't want to go to the Jail time. It hard times search find need the lawyers and They nevers call me. But I refuse call to NorthStar Locations Service from XXXX with the letter Debt Collectors. 

How do you resolve that? let me know I need your help and really very important VIP as quickly as possible. 

Thank You Sincerely Yours, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am concerned that I have been overcharged for the interest and fees on my account and have contacted PayPal Credit on numerous occasions requesting paper copies of monthly billing statements dating back to the time I opened the account in XX/XX/XXXX. I have requested these statements both online as well as over the phone in which I have spoken to several Customer Service Representatives and each time I call I am told I can expect to receive the statements in the mail within 10-14 business days yet the only statements I have received date back to XX/XX/XXXX. I want a paper copy of the billing statements for my account from the time I opened the account in XX/XX/XXXX. I know that the payments I have submitted have not been credited to my account appropriately and since it is IMPOSSIBLE to get a straight answer from any " Representative '' when I do call, I have to do my own investigation in which I will be charging for btw. I have attached a summary of the recorded dates I have called PayPal Credit along with the name of the " Representatives '' I have spoken with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on account XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX with the credit bureau for several attempts, to no avail.. They failed to give me verification as to why they will not remove the account..The error has affected my credit score tremendously. CFPB please step up and fix this ASAP