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

XXXX, XXXX AND EXPERIAN BROKE THE LAW PURSUANT XXXX XXXX XXXX ( XXXX ) ( XXXX ). I NEVER GAVE THESE XXXX AGENCIES WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. AS OF XXXX THERE ARE SEVERAL NEGATIVE TRADELINES THAT I DID NOT GIVE MY WRITTEN CONSENT TO HAVE PUBLISHED ON MY CONSUMER REPORT. PURSUANT TO XXXX XXXX XXXX ( XXXX ) ( XXXX ) THE BANKING SYSTEM IS DEPENDED UPON FAIR AND ACCURATE CONSUMER REPORTS. BY ALLOWING XXXX, XXXX AND EXPERIAN TO CONTINUE TO REPORT THESE INACCURACIES HAS CAUSE ME TO LOSE CONFIDENCE IN THE BANKING SYSTEM. AS THE CONSUMER, CREDITOR AND NATURAL PERSON ANY NEGATIVE TRADELINES OR NEGATIVE REPORTING ON MY CONSUMER REPORT WILL CONTINUE TO CAUSE UNJUST FINANCIAL HARM AND DEVESTATION TO MY GIVEN BIRTH RIGHT AFFORDED TO ME BY THE XXXX TRUE MOST HIGH XXXX.
Product: Debt collection

I am concerned about the validity and accuracy of your recent investigation of my accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. 
Please answer the following questions : 1. What certified documents were reviewed to conclude your investigation?

2. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA : a. Who did you speak with?

b. What was the date?

c. How long was the conversation? 
d. What was their position? 
e. What number did you call? 
f. What is the name of your employee that spoke directly to the creditor? 
g. What is the position of your employee that spoke to the creditor? 

Enclosed with your response to the above questions, I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.
Product: Debt collection

This is to express my extreme dissatisfaction and utter disbelief at the ongoing incompetence demonstrated by your agency in handling my credit report. The persistent existence of fraudulent accounts under your watch is not only intolerable but calls into question the very competence of your organization. 
XXXX XXXX  XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX XXXX DELETE!!! 
This marks the umpteenth time I am disputing the presence of fraudulent accounts on my credit report. It is beyond comprehension that your bureau, entrusted with the responsibility of maintaining accurate credit information, has allowed these fraudulent accounts to continuously tarnish my credit history. 
I am left to wonder about the quality of work being done at your agency, as it is abundantly clear that the basic task of ensuring the accuracy of the information you report has been woefully neglected. Cease your ongoing failure and promptly remove the fraudulent accounts. I expect this correction to be made without any further delays. 
The presence of these fraudulent accounts on my credit report not only damages my creditworthiness but also erodes any trust I may have had in your agency 's ability to perform its fundamental duties. This is an egregious failure that requires urgent and decisive action.
Product: Credit reporting or other personal consumer reports

I initially sent out letters to all 3 credit bureau 's informing them of the identity theft, along with a report, and copy of my ID on XX/XX/XXXX and informing them of the 4 days they are allotted to remove the information from my report. In order for them to be in compliance with 15 USC 1681-c-2 and 12 CFR 1022 Regulation V. None of the accounts that were listed as unrelated to any transactions completed or known to me have been blocked or deleted from my consumer report. The accounts are once again : 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

Transunion is breaking the law. Transunion must provide documentary evidence that proves that XXXX XXXX XXXX received permission to release information to you. 

Under Consumer Protection Credit Act & Fair Credit Reporting Act I reserve the right to protect the privacy of my personal information from all third party reporting agencies.

Transunion is in violation of 15 United States Code 1681b. Permissible purpose of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and not other, ( 2 ) in accordance with the instructions of the consumer written instructions You and XXXX XXXX XXXX, have no permissible purpose by law to report my non-public personal information to my consumer report. Transunion never received written instructions from me to report such information. This company has caused severe stress and anxiety due to the abusive and unfair practices. 

XXXX XXXX XXXX Agent of Transunion received my letter on XX/XX/XXXX and is WILLFULLY and KNOWINGLY reporting this information on my consumer report without my consent. This is my last and final attempt to give Transunion a chance to correct this matter before i proceed with litigation.
Product: Checking or savings account

I have a business account with capital one bank and recently my debit card was lost and someone made a lot of unauthorized purchases using that lost card, I have contacted my local police station to inform this matter and they are willing to cooperate with capital one bank to find the person who made these unauthorized transactions using my business debit card. I informed the bank right away when I found about these unauthorized transactions in my account and filed a dispute. But the bank has denied the dispute claim and is not refunding the money back to my account. Now I am in need of these funds to pay my bills, and bank is not cooperating with me to get my funds bank.
Product: Mortgage

I went through a loan modification with US Bank in XX/XX/2019 and was specifically told my HOA arrears would be included and made up to date. Fast forward six months and I am now being foreclosed upon by my HOA for delinquent dues. I contacted US Bank and they didnt seem to care or provide any help. I asked for the audio recording of my conversation with their representatives and they told me to go get a subpoena. I'm danger of loosing my home and my HOA fees are tripled due to legal fees. US Bank is completely negligent with their erroneous information provided to me.
Product: Credit reporting or other personal consumer reports

LVNV Funding, is reporting fraudulent inaccurate information on my credit report. i have requested that they provided the purchase agreement to show full ownership of such account and also documents so I May review to see if this is actually an account that belongs to me. After Numerous attempts to collect this information, they continue to fail to do so.
Product: Credit reporting or other personal consumer reports

see attached I am writing to bring to your attention certain inaccuracies that persist on my credit report despite your prior investigation. These erroneous items are negatively impacting my credit standing, which consequently affects my ability to secure favorable credit terms. 
Here are the specific items in contention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I kindly request an immediate re-investigation of these matters, and urge you to rectify any errors as soon as possible. 
In adherence to the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611, Subsections A-D, I am requesting disclosure of the names and business addresses of all parties who have verified these contested items. This will allow me to follow up directly with them if necessary. 
Upon completion of your re-investigation and any resulting modifications to my credit report, kindly forward an updated copy to my address listed above. 
The FCRA mandates that all disputed information that can not be verified must be promptly removed from my credit report. It also permits me to seek damages in court if you fail to comply with federal law. 
I appreciate your swift and cooperative response to rectify this situation. It is my hope that we can resolve this issue amicably and in accordance with federal regulations. 
Thank you in advance for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within30 days gives a reason to immediately remove those items from my credit report it has been over 60 days a so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 high yield interest Savings accounts. Capital One misinterpreted the 360 Savings account as one of the nations highest interest rates, yet failed to notify account holders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act ( CFPA ) and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Checking or savings account

Citi sent me a promotion where if I deposit new funds for {$50000.00} ( 3 checks from outside institutions- NOT CITI BANK- consisting of {$43000.00}, {$5000.00}, and {$2000.00} on XX/XX/XXXX were deposited at Citi Bank and transferred to a new Citi brokerage account ) within 2 months of opening an account or funding my existing account, enroll in Citi Personal Wealth Management account in e-delivery of statements within 2 months of opening an account and maintain the new funding through the end of the following month, I would receive {$500.00} by XX/XX/XXXX. 

I met all these requirements. I called Citi on XX/XX/XXXX and verified I completed the requirements and that my checks were deposited correctly and that my brokerage account was opened correctly for the bonus. 

The brochure promised that I would receive {$500.00} no later than XX/XX/XXXX, but I never received the bonus! 

I called Citi ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time, I was assured that I was eligible for the bonus and should have received it. Yet, I have not received the {$500.00} bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX Experian and XXXX  regarding my information being used without my authority. I have requested multiple times that the inaccurate information accounts and inquiries be removed.
Product: Checking or savings account

Navy Federal Credit Union allowed the compromise of my accounts, 2 checking, 2 savings to be compromised and emptied of {$7400.00}.
Product: Vehicle loan or lease

I am currently under a XXXX term loan with Ally Auto. I am an XXXX XXXX member assigned to XXXX under XXXX XXXX XXXX. I am XXXX from the military and must ship my XXXX covered under the loan back to the States. I have official XXXX XXXX orders that state a XXXX  to be shipped ; Ally Auto denied the orders and stated I would need an official report from my chain of command signed by my commander that says ( who my spouse is, the year, make, and model, the lienholder and when it going to be shipped. ) They said either I send them that report or give them an official code breakdown stating the orders ' codes. I told them they would not be allowed to receive that, and they told me the only other option was to obtain authorization for coverage by my insurance. I called XXXX, which is the rental insurance, and they gave me authorization for coverage with the period it would be shipped and the name of the loan holder. They denied it again because XXXX provided it in an email, and they would not accept it unless it were in an official document. 

This is keeping me from leaving the country due to a lack of confidence, as stated by multiple ally representatives, that my authorization letter would be accepted. The car is under a loan, which, if I am unable to pay, would require them to repossess the vehicle. Being XXXX is more of a risk for this auto loan company than in the U.S., and yet they are denying the release letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Goldman Sachs declined my XXXX XXXX application based on " You have recently been past due '' using XXXX  as the credit report. XXXX says there are zero recent past due accounts. Goldman Sachs says XXXX reports recent past due accounts to them. Goldman Sachs refuses to tell me what the past due accounts are. XXXX  says there are none and therefore I can not dispute anything. My score on the decline letter is XXXX. I am appealing to the CFPB because I have no way to dispute " recent past due '' accounts that do not exist. Note that Goldman Sachs blames XXXX and XXXX blames Goldman  Sachs. Numerous calls to both, recorded by them, have failed resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, my name is XXXX XXXX and I am reaching out to delete several items from my credit report. I am a victim of identity theft and did not authorize these items on my report. I reported the theft of my identity to the Federal Trade Commission and enclosed a copy of the affidavit. Please delete these items as soon as possible.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATIO WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. XXXX Since this debt is disputed pursuant to the Fair Debt Collection Practices/ you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX O I hereby inform you that you do not have my consent to communicate with r through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity the XXXX also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX Civil Liability For Willful Noncompliance ( 15 U.S.

Code 1681n ) Was not provided a 1099 c
Product: Student loan

In 2014 I was advised to consolidate my loans, including my parent plus loan. Because of the negligent advice I am now unable to qualify for a lower payment with the income based payment plans.

Each time I call XXXX XXXX I am told something different by different agents. It is very frustrating and I finally had to pay a nonprofit debt service to help me and give me sound advice about my student loans.

I feel that the agents at XXXX XXXX  need proper training.

The error of consolidating all my loans is a difference of about a {$400.00} to {$700.00} dollar a month more in payments. I just want to get my payments down to an affordable amount.

I recently was told to re-consolidate my parent plus loan and now my new payments went from over {$1000.00} to {$1300.00}. How is this helping me lower my payments if it has now gone up by {$300.00}.

Please contact me about this issue because I have more horror stories about the untrained agents as well as recordings of them giving me inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my credit score dropped XXXX points. I was originally told online through XXXX XXXX it was due to a change in income. I have not changed jobs for over 16 years. My income has gradually increased. I reached out to TransUnion on XX/XX/XXXX and talked to XXXX. She told me it was due to one account being over a few dollars but the data was outdated. She also said it was because I opened another credit card. I was told opening a credit card and keeping the balance low would help my credit. I monitor my credit score through all three major credit bureaus. TransUnion is the only bureau to drop my score so drastically in one month. The other bureaus dropped my score by one or two points when I opened the new account. This makes sense since the account is so new. Dropping a credit score XXXX points would take years to repair. I believe this is an error in their system.
Product: Credit reporting or other personal consumer reports

I am formally disputing these unauthorized inquiries in accordance with the Fair Credit Reporting Act. I kindly request a thorough investigation into my claim. Due to the negative impact on my ability to apply for loans and obtain credit, I request the immediate elimination of these unauthorized inquiries from my credit report. If there are any additional materials related to these inquiries, I request that you provide them as part of your investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX CREDIT Account # XXXX XXXX - CARD SERVICES Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX bankruptcy dismissed reference # XXXX XXXX XXXX XXXX XXXX doc number XXXX XXXX XXXX Acoount # XXXX XXXX XXXX Account # 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
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Credit Bureau I am writing to formally inform you that my personal information was compromised in a recent data breach involving XXXX. I understand that this breach may have exposed sensitive details, including my credit information. 


On XX/XX/2025, I was notified by XXXX that my personal information was part of the compromised data. This news has caused me significant concern regarding the potential for identity theft and unauthorized use of my credit profile. 

In light of this breach, I am requesting that you take the following actions : XXXX. Place a Fraud Alert : Please place a fraud alert on my credit report to notify potential creditors that they should take extra steps to verify my identity before extending credit.

2. Remove any and all delinquencies that can negatively impact my credit 3.Monitoring Services : Please inform me about any monitoring services that you provide to help protect my credit and identity. 

I appreciate your attention to this matter and any steps you can take to assist me in protecting my personal information. If you require any further information or documentation to proceed with my requests, please do not hesitate to contact me using the information provided above. 

Thank you for your prompt attention to this situation. I look forward to your response. 

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

I have already sent multiple requests but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 
XXXX XXXX XXXXXXXX XXXX {$230.00}
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XX/XX/XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The 3 Bureaus Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. This inquiry is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need this inquiry to be removed. 
XXXX XXXX XXXX
Product: Credit reporting

I had XXXX different results from the XXXX credit bureau agencies ( XXXX, XXXX, and TransUnion ). It was in regards to a dispute filed in XX/XX/XXXX. I sent all XXXX agencies the same exact same information. The dispute was in regards to a 30 day late payment in XX/XX/XXXX ( the only XXXX in the entire history of my credit report ). 
XXXX resolved the issue, it was corrected and updated on my new credit report which they sent to me. 
XXXX results was " historical account information was deleted from this account. '' I am not quite sure what that means since I did not receive a new credit report. 
TransUnion results state " new information below '' but nothing was changed at all. 
I would like XXXX and TransUnion to correct and update the information in the exact same way that XXXX did.