23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX I was going to make a purchase but my account reflected that I didn't have enough to pay for the items. I called my bank and was told that a charge for {$6.00} had been charged to my Direct Express card account. I asked by who. The rep said that it shows a company named XXXX I explained to the rep that I knew nothing about the charges. The rep closed the account and filed a fraudulent charge on my debit card from that company. The rep from Direct Express said that they would contact the company about the charges but they were going to send me some paperwork to complete and fax them back to them. I received the paperwork on the XXXX of XXXX. But the cover letter said that I would have to return the paperwork back to them 10 days from the XXXX of XXXX. I didn't get the paperwork until 12 days after the XXXX. I filled out the paperwork and faxed it back to them on XX/XX/XXXX. On Monday XX/XX/XXXX I received a letter from Direct Express saying that they conclude that the purchase was authorized. Which makes me think that nothing was really done to process getting my money back from the company. I called XXXX who sent my information to XXXX to purchase there streaming service because I opened there app to see what it was about. XXXX received my information and automatically used my information to sign me up for there service. They started debiting my card on XX/XX/XXXX until XX/XX/XXXX. My information was on file with XXXX only because of the Television I purchased and it was part of the process to setup my programming. I contacted XXXX because Direct Express said that they could not open a new investigation because XXXX said that the purchase was authorized. Even though XXXX was the company that charged my account. So I spoke with XXXX and first rep said that I would have to get the bank to file another dispute and that she would close the account and put her notes on the system showing that the purchase was unauthorized. I called Direct Express to ask them to reopen the investigation with XXXX and they should be able to get the money back. But they refused to do so saying that there was not enough information to process it again. And that I should call XXXX and have them refund the money. I called Direct Express corporate office to let them know what was happening and was told that they would have someone call me back on XX/XX/XXXX no one called. Today XX/XX/XXXX I contacted XXXX again and the rep said that they could only refund 5 months of the charges to my account and I would receive it within 3 to 5 business days. I do have a police report about this case if you should need a copy please let me know. So I would like to file a complaint against Direct Express, XXXX for sending my information to XXXX, and XXXX to return all of the money that they took from my account starting in XX/XX/XXXX. The reason why I didn't know that this was happening is because Direct Express doesn't send out monthly statements. So I never knew.
Product: Credit card

On XX/XX/XXXX I notified Wells Fargo and the credit bureaus that this account did not belong to me nor did I know if existed. I supplied a FTC Identity Theft Affidavit. After multiple attempts to resolve with no response until XX/XX/XXXX I also provided a copy of my police report which was requested and I sent it along with my FTC Identity Theft Affidavit. This was sent certified XX/XX/XXXX. On XX/XX/XXXX I called to follow up on the dispute mailed and was advised to follow up on XX/XX/XXXX. I then received a response XX/XX/XXXX to attempt to collect on debt which I then called again to follow up on my dispute and was advised there was not enough information and the case was closed ( Complaint ID - XXXX XXXX OFFICE INTAKE TEAM XXXX but on XX/XX/XXXX I was advised they had all my information including the police report and identity theft affidavit. On XX/XX/XXXX I spoke to the XXXX XXXX team again and a new case was opened XX/XX/XXXX NEW CASE # XXXX. I was asked to Email supporting docs to wellsfargoecmo@wellsfargo.com which was completed per their request. I emailed my police report, FTC Affidavit and till this day Wells Fargo/Dillards has yet to provide any details other than a letter saying that they think I am responsible for the debt.
Product: Credit card or prepaid card

I have been a Loyal Credit Card holder with Kohl 's since XXXX with an Excellent payment history until XX/XX/XXXX. I had received a call from a Kohl 's Customer Service Rep about my monthly payment being 30 days passed due. I was unaware of the payment because I do not use the card often. I did pay the full balance, {$50.00}, which brought the account to a XXXX balance and had the late fee removed by the Rep which I kindly appreciated. The Rep told me that Kohl 's had reported to all the 3 Major Credit Bureaus, XXXX, XXXX and XXXX about the 30 day late payment, I was unhappy to hear that news. I take pride in maintaining a positive credit history by making my payments on time when they are due and this was why I had an Excellent payment history with all my financial obligation until this unfortunate incident. I did not have Autopay setup at the time of the late payment but it was setup on XX/XX/XXXX to avoid this every happening again. I mailed a letter to Kohl 's Collection Department on XX/XX/XXXX kindly requesting a Goodwill Adjustment of the 30-day late payment that was reported to the 3 Major Credit Bureaus XXXX They responded on XX/XX/XXXX with a letter of denial. They stated that the information that was reported was accurate and updating the information as I had requested will create an inaccurate representation of the status on my account. The integrity of the credit reporting systems relies on the validity of the information furnished. At no time did I state that the information that was reported was inaccurate. I stated in the letter to Kohl 's that it was an oversight on my part taking ownership. The 30 day late payment that has been reported has decreased my credit score to at-least XXXXXXXX XXXX on all XXXX Major Credit Bureaus and to be punished for this one time mistake has been detrimental to my credit status. I am requesting that Kohl 's reconsider there decision as a Goodwill Gesture for a Loyal Credit Card Holder since XXXX will an Excellent payment history.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting to Experian that I owe XXXX  on a closed credit card that is fraud. This credit card was stolen and was closed already. XXXX XXXX is not complying. They keep saying I owe XXXX  on a STOLEN credit card. I have paperwork that shows they closed the account. This is screwing up my credit score completely. Im unable to open any credit cards. I have had good credit before this
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Amount : XXXX - XXXX : {$1300.00} Date of XXXX
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. 

Account name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 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 convictions of crimes which antedates 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.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX acct. # XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX acct. # XXXX XXXX XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX acct. # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX A. 
XXXX I have the right to privacy. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) 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 convictions of crimes which antedates the report by more than XXXXXXXX XXXX. 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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 reporting, credit repair services, or other personal consumer reports

I was born XX/XX/XXXX, my credit report states I was born in XX/XX/XXXX, its actually on XXXX and Equifax, I have my ex husband 's ex girlfriend who refuses to return our divorce papers and tax returns and I have bad credit because lack of credit. Someone keeps running my credit report and the date of my birth has never been inaccurate till this past year. I need to have it changed to correct year, it is causing to not accurately confirm my identity.
Product: Credit reporting 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 : ACCOUNT NUMBER XXXX, XXXX XXXX XXXX : ACCOUNT NUMBER 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 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 convictions of crimes which antedates 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX COLLECTIONS amount of {$210.00} received my certified mail. The company has not responded to my debt validation letter, and still reporting to XXXX. According to the FCRA the have failed to mark as disputed and have NOT provided me a copy of any original documentation required under Section 609, Section 611 under the same law the required to promptly DELETE ALL information which can not be verified.
Product: Debt collection

The collector from Kinum threatened to hire and attorney, and would not let me speak. He did not notify me of my right to dispute the debt, and would not let me talk to tell him I do not think I owe this debt. He yelled at me and screamed, refusing to let me talk. He called me at XXXX as well.
Product: Checking or savings account

Credit karma is trying to keep money that my wife put in the account before she died.we have no dept besides consumables why would I open a probate that is what they told me to do.
Product: Debt collection

Vance and Huffman LLC This Account was opened fraudulently. 
I'm a Victim of the XXXX  Security Breach. I have never opened any account with the company ; " Vance and Huffman LLC '' I Did Not Open or Authorized this Account or Request Any Amount of Credit. This Account Is Fraud. 

I Did Not Authorize The Company Vance and Huffman LLC To Open This Account ...
Product: Credit reporting, credit repair services, or other personal consumer reports

This card had been opened in my name for a couple of years. I had shared my concerns with XXXX XXXX that this was not my account. Instead they charge off the card and I owed a balance. I end up paying the balance but asked them to remove the card from my report as it was not my card. As a result they claim that they would remove it but never did. XX/XX/2019 the card was closed and never removed from my report. I have contacted them numerous time and this had no purpose. I am asking that this be removed from my report due to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$540.00} XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX Inquired on XX/XX/2021 XXXX XXXXInquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX
Product: Credit reporting or other personal consumer reports

I didnt notice on XXXX/XXXX/2025 one of my accounts was resolved Closed the CFPB made the credit bureaus closed one of my accounts Actually one of the best one I needed close An that took 8 days I put my complaint on XX/XX/2025 as you see in the attachment an resolved on the XXXX/XXXX/2025
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 o 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been reporting on my credit report since XX/XX/2021 with a balance of {$7100.00}.
Product: Credit reporting or other personal consumer reports

XXXX responded to XXXX My due date each month was due on the XXXX of each month. 
My payment history is as follows : DUE XXXX XXXX {$150.00} on XX/XX/XXXX XXXX XXXX XXXX {$150.00} ON XX/XX/XXXX DUE XXXX XXXX {$150.00} ON XX/XX/XXXX DUE XXXX XXXX {$160.00} ON XX/XX/XXXX AND ON XXXX XXXX $ XXXX My credit report still reflects a 30 days late payment on XXXX, XXXX and Equifax. The credit reporting agencies failed to validate the late payment. What procedure did XXXX, XXXX, Equifax use to follow " to assure maximum possible accuracy '' according to 15 USC 1681e- ( Compliance procedure ). 

Where was my account 30 days LATE? Late payment is when a payment was not made for 30 days. In order for a late payment to be reported to a consumer report-the following must be met according to 15 US Code 1666b-Timing of payment A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX failed to provide proof that my periodic statement was mailed or delivered 21 days before my due date. 

I spoke with a representative at XXXX and the customer representative cited that my XX/XX/XXXX payment posted for XX/XX/year> payment and made my XXXX payment 30 days late. XXXX is deceptive in their response using a distracting long response and not addressing when the payment was due and when was the payment received-it 's just that simple. XXXX noted in their response that a payment was not received on my XX/XX/XXXX due date and was marked " delinquent '' when my bank statement clearly note the minimum due was paid within that same month-where was my account 30 days late???
Product: Credit card

Citi XXXX XXXX Close my acct because they said they tried to extract money and it didn't go through. I made a payment to them on XX/XX/XXXX for {$250.00} I didn't need to make any other payments. My acct shows no sign of them trying to get payments. My bank would have charged me a fee if something didn't go through, but I have NO charges. I explained that to a supervisor and she didn't care about any of that and said my acct is closed.It 's not fair and I have excellent credit and if they report this it will hurt my credit. I was having trouble receiving e-mails and I had to call XXXX mi Internet provider to rectify the situation. They said they can't send a letter to anyone stating I had trouble receiving e-mails.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Mortgage

XXXX sold my loan to Seterus effective XXXX XXXX, 2016. I was in the middle of the loan modification process at the time. Seterus has completely disregarded my account along with the modification. I have since received letters from them stating I do not qualify for the modification since my change in situation does n't seem permanent. I wonder how they know that when they have not even looked at the modification packet nor have they ever contacted me. I thought XXXX has hard to work with but Seterus seems even more incompetent. I want the loan modification packet to be considered and if that is not an option, I want to pay for a mediator to review the file, starting with the original lender XXXX, so as to bring forward the truth in lending scam that I was part of along with their mistake of processing the XXXX. I have a letter from the lender stating they misplaced records and failed to modify. However, the Courts let XXXX out of the boiling water when they allowed the bankruptcy to proceed with bailout funds.
Product: Credit reporting or other personal consumer reports

Subject : Demand for Immediate Deletion of Inaccurate Account Information on Credit Report : I am writing to urgently address a critical issue regarding inaccurate information on my credit report, specifically related to my XXXX XXXX XXXX account. Despite previously disputing this account with Experian and XXXX XXXX XXXX on XX/XX/XXXX, where it was verified as accurate, there are still glaring inaccuracies present as of XX/XX/XXXX. 

The account number on my credit report, XXXX, differs from both the original loan contract number ( XXXX  ) and the payment history provided by XXXX XXXX XXXX ( XXXX ). Furthermore, the reported last payment date on my credit report is listed as XX/XX/XXXX, whereas my actual last payment date for this loan was XX/XX/XXXX, according to my records and payment history. 

These inaccuracies harm my creditworthiness and financial credibility. The flawed investigation post-dispute was a blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ), which ensures the accuracy of information in consumer credit reports. Furthermore, the discrepancies in the account information provided by XXXX XXXX XXXX and reported by Experian constitute violations of the Truth in Lending Act ( TILA ) and the Fair Debt Collection Practices Act ( FDCPA ). These violations of my rights provides grounds for the immediate deletion of this account from my credit report. 

I demand that Experian conducts a prompt re-investigation and deletes the inaccuracies associated with my XXXX XXXX XXXX account within 30 days. I also request written confirmation once these corrections have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.