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

XXXX, Equifax and XXXX credit reporting agencies, only respond that there is nothing they can do. XXXX sent me a letter and did not even allow me to provide them with identification. They just sent me a letter saying we can not verify your identity. The three credit reporting agencies are doing nothing at all. Someone needs to follow up on what they are really doing about my reports. I have also been breached by Equifax XXXXredit reporting, and they have resolved nothing for me. My credit report has been ruined by them. And they could care less what damge they have inflicted on my credit report. They all three agencies do nothing but keep taking false information on my credit reports. And do not verify anything. I can do nothing. I have disputed these items many times to these agencies over 10 years and nothing has happened. I really need help. I have been ruined by these agencies. And Equifax has destroyed my credit file, because they leaked out information of all my personal credit to others. And there is great damage that has been done. And all three agencies ignore my complaints and trying to resolve the false and negative items on my credit file. And when I get any report it is not complete, by no means. I feel the Equifax credit reporting should be held responsible according to the lawsuit. And I am one that was part of it. If there is anything that you can do to resolve this. My life has been ruined because of the outdated and old and false reporting on my credit file. I am just asking please help me with the credit reporting agencies and there assumed false reports against me. Thank you.
Product: Credit reporting or other personal consumer reports

This account [ XXXX XXXX XXXX ] was charged off on the date : ( XX/XX/XXXX ) Ever since then the date of last activity has been improperly and inconsistently updated. On Transunion it shows last activity was ( XX/XX/XXXX ), On XXXX it shows that the last activity was ( XX/XX/XXXX ) & On XXXX it shows ( XX/XX/XXXX )! 

To my knowledge, the law says ALL credit reporting agencies must work together and be joined to report the same information accurately. This account isn't reporting the same across ALL so that must not be the case and this account needs to be removed immediately. 

According to 15 USC 1681b ( XXXX ) ( XXXX ) - Notification system by agencies that operate nationwide : Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( XXXX ) jointly with other such consumer reporting agencies. 

Due to the fact that things are being reported differently between XXXX, Transunion XXXX XXXX, it's clear that you all aren't in compliance with the law and my rights are being violated. A notification system is not being maintained and therefore this account is INACCURATE! No inaccuracies may be reported. On several occasions, you failed to investigate this account properly and therefore I DEMAND YOU TO DELETE THIS ACCOUNT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX To Whom it May Concern : This letter is a formal request to delete the inquiries listed below from my credit report. To my knowledge, I have not signed any documents authorizing the companies listed to view my credit history. With that being said the inquires are violating the Fair Credit Reporting Act, Section 1681b ( c ) : Transaction Not Initiated by Consumer and need to be removed immediately. 

1 ) XXXX XXXX  - Inquired XX/XX/XXXX XXXX ) XXXX XXXX- Inquired XX/XX/XXXX 3 ) XXXX XXXX Inquired XX/XX/XXXX 4 ) XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX 5 ) XXXX  XXXX - Inquired XX/XX/XXXX 6 ) XXXX Inquired XXXX XXXX XXXX XX/XX/XXXX When the inaccurate information has been removed I would like a copy of my credit report mailed to me. This report should include all personal information, all other inquires, and all balanced updated. 

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

XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX During these months I no longer resided at my old address and had no internet or phone access. I was temporarily homeless and did NOT receive my billing statements. According to the fair credit reporting act CAPITAL ONE should not have reported me as being late if the statements were sent to the wrong address or if I informed them within 60 days that it was never received which I have.
Product: Credit reporting or other personal consumer reports

This loan was brought off by another company, all the money was paid off from the new company, but they are still reporting late payment
Product: Credit reporting or other personal consumer reports

My XXXX loan is paid in full and I have proof!!

In accordance with the FcrA.the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 US C 1681. I told XXXX, XXXX and Equifax to reinvestigate these accounts. Child support account number ending in XXXX, child support account number ending in XXXX, and XXXX XXXX account number ending in XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to the 15 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly. 15 USC 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 calls to believe that the information is incorrect.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a student loan from my credit report associated with account number [ Account Number ]. According to my records, this loan has been verified as closed, and I believe it should be removed from my credit report to reflect accurate information.

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ), negative information that is accurately reported must be removed after seven years from the date of the first delinquency. However, since this student loan has been verified as closed, it should not be impacting my credit profile any longer. 

The presence of this account, despite its closed status, is misleading and could adversely affect my creditworthiness. Therefore, I kindly urge the CFPB to take appropriate action to ensure that this account is removed from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

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

I listed accounts I found on my credit record the accounts on file are fraudulent accounts those accounts not belongs to me this is a identity theft.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

They have failed in keeping my information safe. XXXX XXXX O received a letter in the mail stating that my information and identity is not safe and to place a fraud alert on my credit report accounts I will submit said evidence of Alert. And I m currently having trouble with my credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXX/XX/XXXXXXXX I looked at my Equifax credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In generallllf, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigston : and ( ii ) promptly notify the furnished of that information has been modified or deleted from the file of the consumer.

and according to the 15 USC 1681 s-2 they are supposed to 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: Debt collection

I had an automobile loan with Honor Finance in XXXX and self surrendered the vehicle because it was giving me problem after problem. I was contacted in XX/XX/XXXX stating a garnishment would be taken place. As of XX/XX/XXXXmy wife 's checks have been garnished with an up to date amount of {$11000.00} that has been taken. On the court document states an amount of {$8400.00} was owed.
Product: Debt collection

On  two occa sions this year, once in  XXXX  and once in  XXXX  I contacted  Convergent Outsourcing to remove a debt from my credit file. I have never entered i nto a contract with Convergent so therefore by law they are not legally allowed to report to my credit report or attempt to collect on a debt.   XXXX   Convergent has since contacted me twice and stated they have verified my debt. But still no signed contr act between the parties. What they did send was a copy of a bill from  XXXX  therefore not validating the debt.
Product: Checking or savings account

The amount of {$490.00} was charged to my checking account on error - I contacted Citizens at the end of XX/XX/XXXX  stating this and they refunded the amount. I received a letter from Citizens saying no further action was required then a month later the amount was withdrawn again. - This was for a car payment, when the amount was withdrawn a second time, the lease agreement had been satisfied and the car had been turned back in to the dealership. 

Citizens withdrew the funds after the car payment had been 100 % satisfied and turned back in to the dealer- so where did my {$490.00} go??? 

After multiple attempt via phone to resolve this issue I was told on each separate time someone from the claims department would be contacting me in 2-3 business days - this Never Once Happened- I never received a call from a representative. I have received 3 letters since asking for proof that the payment was made by other means - I have emailed XXXX 4 Times now will all the requested information - I HAVE NOT ONCE RECEIVED A RESPONSE. 

They are Fraudulently holding {$490.00} from my checking account. Were did the money go??? 

Again- the vehicle has been paid in full and returned to the dealership and the amount of {$490.00} was withdrawn again after this fact. 

The fact that not one representative from Citizens has responded to my complaint VIA phone and email is HIGHLY SUSPICIOUS!!!
Product: Payday loan, title loan, or personal loan

I took a loan {$40000.00} with Upstart resulting in origination fee of {$2600.00} deducted from the loan. I paid off the entire loan after 3 months of contracting it. I approached the Upstart for a partial refund om the origination fees, since I only used {$1500.00} of the loan. 
I received periodic emails from Upstart stating that I was eligible for origination fees refund for early payoff. But Upstart personal informed for the first time that I was not eligible as stating in the emails I got. and to refer to some document I was not made aware of and inform at the signing of my contract with them. 
I contacted Upstart again to find out what is the criteria and requirement for eligibility, who is eligible, who makes the decision, on what the decision of ineligibility is based on. 
this information was not disclosed to me until today. So, I strongly the decision of eligibility is arbitrary, unilateral, therefore discriminatory.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

I want an investigation with XXXX XXXX as their seems to be an hard inquiry on my credit report with XXXX. I investigate my report on XX/XX/2022 through XXXX. The date the hard inquiry was reported was on XX/XX/2022. This was never establish through me because I was in process or preparing with filing XXXX XXXX XXXX The date I filed bankruptcy was XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a repersentive at XXXX to report a numerous amount of hard inquires that Im unaware of. They refuse to remove the inquires and directed me to the creditors in which theyve also denied my request to remove them. It was bacially like a back and forth situation.
Product: Money transfer, virtual currency, or money service

My phone was stolen, the person that has it was able to get into my phone and send themselves all of my money. I received a notification on my other phone saying that I sent someone with the number XXXX XXXX XXXX I canceled that and tried reaching out to my bank for help on why this was happening then it happened again so I canceled it and proceeded to reach out to my bank then it happened a third time but the third time it went through completely and I was unable to cancel it. It was all the money I had on in that account I would never send that much money to anyone. That phone had a lock on it so I assume the person who took it knew exactly what they were doing. My bank has denied my disputes and refuses to give me back my money. This was an unauthorized transfer. I just want my money back
Product: Checking or savings account

Multiple unauthorized ATM withdrawals were made From XX/XX/XXXX to XX/XX/XXXX. The bank is making claims that the ATM withdrawals were legitimate because it was done using an ATM card. The bank stated that my PIN was changed from a phone number that is not mine. 
The bank stated that since I did not lose my ATM card they are denying the request to deem the ATM withdrawals unauthorized. The bank believes that just because the card has a chip, that it is not possible that the card can be used unauthorized. 
The bank refused to acknowledge that there were multiple attempts to withdraw large amounts of funds at one time which were denied. The unauthorized person resorted to do 5 daily withdrawals of {$200.00} each. The security protocol in place failed to deny withdrawals that exceeded the max daily amount of {$400.00}. 
After I reported the unauthorized theft on XXXX and after being given the runaround by the customer service, the bank stated to do a Police report, which was done on XXXX. The bank still denied to give credit for the unauthorized withdrawals.
Product: Credit card or prepaid card

My CITI Credit card lowered my credit limit from {$3000.00} to {$2000.00} after I made a {$900.00} payment to lower my balance. They said it was due to my credit report. Nothing has changed in my credit. If anything it has improved from when I first received the card. Now they want me reapply to increase my credit limit which would mean running a credit report and lowering my score. They have now left me with a {$76.00} available credit and will cause a negative impact on my credit. The company was no help. Told me it wasnt all based on my credit and wouldnt tell me what else it was based on. They were no help and are damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I thought I was supposed to receive a letter from you guys but I haven't received anything, I know that you received the letter I sent on XX/XX/2022 but it seems you've just ignored it. I'm seeking help to the CFPB about this matter so you will know this matter is of great importance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions! ) US Bankruptcy Court, XXXX Fl XXXX # XXXX 2 ) XXXX XXXX XXXX. Amount XXXX 3 ) XXXX XXXX XXXX. Amount XXXX
Product: Student loan

Told Student loan that I was a XXXX veteran applying for forgiveness and my wages are being garnished a law firm is trying to take me to court and now I cant feed my family durning this national crisis. I need more time. Low income family XXXX children. The law firm told me I had two loans- equaling XXXX XXXX dollars I make XXXX in XXXX  okay. This is criminal.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I recently shifted money from XXXX high yield savings to Marcus by Goldman Sachs high yield savings on XX/XX/ 2024. I attempted to move a portion of it to my checking account to cover expenses on XX/XX/XXXX and it was reversed without explanation. I attempted to transfer funds again to my checking on XX/XX/2024 and was told this would again be declined because the funds had not been in the account sufficiently long. When I inquired when I would be permitted to transfer funds, I was told that they could not provide me a specific date and it is done case by case.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax XXXX. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX OF XXXX Reported : XXXX XXXX, XXXX Balance {$5000.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX Balance {$5000.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) You have 100 % left to pay on this student loan. 

XXXX XXXX OF XXXX XXXX {$6900.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXXXXXX XXXX XXXX XXXX  Balance {$6800.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXXXXXX XXXX XXXX XXXX  Balance {$11000.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXXXXXX XXXX XXXX XXXX Balance {$4500.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX Balance {$5700.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX Balance {$5700.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX Balance {$5100.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX Balance {$7000.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX Balance {$8200.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX Balance {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX Balance {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX Balance {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX Balance {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX Balance {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX Balance {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX Balance {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX Balance {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX Balance {$0.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX Balance {$0.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX {$750.00} Balance {$750.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mo ) XXXX  XXXX Balance {$250.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX Balance {$3500.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX Balance {$260.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX Balance {$310.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos )