23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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

I did not make these inquires. I did not grant permission for these inquiries. It is likely that these inquiries are the result of fraud. I would like each company to provide written proof that I gave them my written permission to access my credit report. I have made an effort to resolve this where I have good contact number. Those companies have not been helpful. Instead, they have given me the run around. I have I contacted the credit bureaus and they send me back to the companies. This is extremely frustrating.

Thank you.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

accounts contain incorrect information such as late payments and missing payments that affect my history also accounts in collection check please XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting two accounts as a collection on my report when these accounts have been paid off. 100 %. I reached out to both companies in which told me they have updated my information with Experian. 
The following companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both accounts been paid and I would like it to stop reporting as a collection in which it is hurting my score drastically and holding me from obtaining future credit.
Product: Debt collection

This is in reference to a delinquent credit card account, Verve Card. The debt collector, XXXX XXXX ( the name they gave me ) have called me numerous times threatening me that they will suspend my drivers licenses and vehicle registration, they will put a lien on my property, will take me to court and threatened to have me arrested for fraud ( which it is not fraud ). They call from several different numbers and even call from local numbers. In every call they repeat the same threats. I told them to email the information to review it and not once have I received the email. Nor did I receive any documents in reference to the account. I have taken the steps and contacted Florida Dept of Motor Vehicles and they confirmed that debt collectors could not suspend licenses/registrations. I am fed up with being harassed by this company and their employees.
Product: Credit reporting or other personal consumer reports

My name its XXXX XXXX XXXX and I live at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX But I receive a new update on my credit report Where is said XXXX XXXX XXXX XXXX XXXX its wrong its XXXX XXXX XXXX XXXX  cant u please remove the XXXXXXXX XXXX XXXX  please
Product: Student loan

Every time I would turn around there would be another bill from navient in regards to my student loans in the mail even after me requesting on several occasions a fixed income repayment plan of some sorts no matter how many phone calls I would make no matter how many times I would fill out paperwork it seems like I would still continue to get these envelopes full of payment plans or a forbearance set of paperwork rather than something that would help me with my economic hardship
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent the below instruction to Experian at this " reply to '' email address : XXXX Quote In the event my personal information on file with Experian is lost , misused or altered I expect to be immediately notified by email. Apart from that single exception, I hereby opt out of receiving emails, push notifications or texts ( SMS ) from Experian. 
Unquote In spite of those very explicit instructions, Experian continues to send me unsolicited emails. 

I ask that the CFPB instruct Experian to honor my instructions which conform to the Experian privacy policy. 

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

I am loosing my house loan because Equifax is reporting erroneous information. I contacted Equifax about two accounts that were reporting incorrectly. The accounts were with XXXX and XXXX. The accounts were stating that I was late. XXXX reported that I was late by 30 days and XXXX said I was late twice in the last 90 days, in the incorrect credit report. They went back and reviewed the record and changed the reporting. I received letters from XXXX and XXXX stating this. I also received an email from Equifax stating this as well. Equifax stated that the dispute was verified by the lender. This is incorrect. I received a letter from each of the lenders stating the accounts were not late. AND EQUIFAX sent me an email saying that the account information was changed to " PAY AS AGREED '' and changed FROM not more than 30 days late on each account. HOWEVER, when I pull my credit report, it still show that I was late IN THE 81 MONTH HISTORY section of my credit report. So it says paid as Agreed on one side but when you expand the screen it still shows that it is late in my 81 month history with each lender and this is TAKING MY CREDIT SCORE DOWN by XXXX point and causing me to loose my house loan that I was suppose to close on. Somehow the attendants that answer the phone are restricted from seeing the online information and can only look at the same credit report that you get. This makes no sense. If the credit report is wrong, they should be able to look at the account information associated with your accounts and not just the credit report. SO if equifax offers the monitoring service, and equifax sends you an email, the attendant should be able to see all of the information and correct it. As it stands the company employees can not really offer much to help you. Both myself and the lender are reporting to Equifax that the information is incorrect and this company still will not correct my credit file.
Product: Credit card or prepaid card

The promotion said I would receive a {$200.00} credit on the XXXX XXXX ticket I was buying and showed the reduction in the price of that ticket. When I did not get the credit and complained to the credit card company they said the credit would be on my first statement. When that did not happen, I called again and they said the credit would be only for a future purchase.
Product: Debt collection

I have a personal loan with Lendmark. I have been put into a medical hardship. I have contacted a debt collection agency. They informed me not to contact any of the businesses that I have placed in debt collection. I have been receiving phone calls 4-5 days a week at my home since doing this in XX/XX/XXXX from Lendmark. I have 10 different companies listed on this account. They are the only company that is calling me and I feel like they are harassing me. It has not even been 30 days since we made this change. This company has called my job asking to speak with me as well. I am not allowed personal phone calls at work. I then called them and asked them not to call my job. I was then informed that I needed to make a payment on this account or it will and can effect my credit. I explained to them that I was more concerned with losing my home than my credit score. Then today XX/XX/XXXX a family member contacted me to tell me that someone named XXXX had called them trying to reach me. I then called and spoke with XXXX and he informed me if I didn't work with them I could be sued and could lose my home. My home is not connected to the loan that I have with them.
Product: Checking or savings account

Citi Reference Number : XXXX Previous : Consumer Financial Protection Bureau Case # XXXX Citi responded to the case # XXXX complain stating that they going to terminate baking relationship with me and to wait 30 - 60 days for outstanding checks. I sent out an email proofing that the money in the account belongs to me on the same day that I received their response which is XX/XX/XXXX. I did not hear anything from them after that. I then received the last statement showing all of my fund as other withdrawal on XXXX, and left behind only XXXX cent on the account. XX/XX/XXXX, 60 days from the day they closed my account, I received a check for XXXX cent. I did not received the entire fund of my accounts which is XXXX. Today XX/XX/XXXX I received 2 checks for the amount of XXXX & XXXX. Citibank still holding most of my money which is XXXX. XXXX was sent from my wife XXXX account. I already provided proof that the money in that account belongs to me and proof of our marriage ( please see proof responded attachment ). I need Citi to return my remaining fund in a form of a check as soon as possible. Please see attachments.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

GM financial has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

They have also violated v eCFR 12 CFR 1022 by refusing to speak to us after receiving our Third-Party Authorization Form
Product: Credit card

A number of my credit cards no longer give access to their interest rate when I sign in on the internet. While I can locate info on paper statement, if I go w/o paper statement, I worry I will lose access. ALSO it seems they are " hiding '' info ... when the rate is variable, it is wise to watch the rate. 
I want to access not only my balance, payment, charges, etc. -- but my interest percentage as well. I have called them, and after that nuisance, I get the rate ... but that is wrong. Should n't they be required to disclose as they do on paper statement?
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several tax liens showing on my credit report, which were released quite a while ago. The reporting agencies are XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX I sent letters to all credit reporting agencies, including Equifax, XXXX and XXXX  challenging the accuracy, compliance and reportability of these listings. All agencies have deleted these entries from my report, except for Equifax. On both XXXX XXXX, 2017 and again on XXXX XXXX, 2017 I sent letters to Equifax asking that they validate the information directly with the reporting sources, requesting contact information for each person contacted. Any automated response or e-Oscar verification would be unacceptable. As this erroneous information on my credit report is bringing down my credit score and preventing me from obtaining additional credit I feel this should be important enough that Equifax handle this in direct fashion. I have written to the reporting agencies myself and have found that they DO NOT report to any credit reporting agency. Therefore any information in my credit report with these reporting agencies as their source is inaccurate and incomplete. Equifax continues to verify the reported information with a 3rd party source. As this 3rd party source is NOT the reporting source nor the creditor they are an unreliable source and this information should be immediately deleted from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S. Code 1681e there is a need for the consumer reporting agencies to be accurate with their reports. The mailing addresses listed on XXXX, Experian and XXXX are non mailable addresses and are inaccurate. Furthermore, the name ( s ) and birthdates listed are inaccurate as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting information that was not confirmed valid by me and I demand this account be deleted. Pursuant to Title 15 USC 1681b ( a ) ( 2 ) : any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. If Equifax do not comply, I plan to file litigation! 

The account is listed below : XXXX. XXXX XXXX XXXXXXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$340.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$510.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$520.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$930.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following account on my credit report. 

Equifax : XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I filed my side of argument with county clerk and the lawyers that sent me a judgement in in which I was asked to send my answer. I did and now they are saying I have no argument and for the judge to make me pay in full.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Debt collection

My credit report shows that I am responsible for a debt of {$1800.00} for an XXXX from XXXX XXXX XXXX in XXXX, NJ from XXXX. This amount was already paid by my insurance company, XXXX, and I paid the co-pay. There is NO outstanding balance on the account. REMEX is the collection agency that has reported the debt to XXXX.
Product: Credit reporting

I am victim of identity theft. Someone stole my personal information and identity. The following accounts are unauthorized and fraudulent : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. All the inquiries on my credit report are all unauthorized and fraudulent inquiries.
Product: Checking or savings account

On XX/XX/XXXX a check cleared my First Midwest Bank ( now Old National Bank ) checking account. The amount of the cleared check was for {$1500.00}, and I knew I never wrote a check for that large a sum. I noticed it while checking my online account so I clicked to view the check. The name of the person I wrote the check to was crossed out and another name was written over it. The original amount of the check for {$15.00} was changed to {$1500.00}. The line with the written amount remained unchanged ( still written for XXXX and XXXX dollars ), yet this check somehow cleared for {$1500.00}. The check had been mailed at the XXXX, Illinois Post Office, and obviously was intercepted at some point and altered. 

I immediately went to my First Midwest Branch in XXXX to report the incident. They reported that the check was deposited electronically at XXXX XXXX XXXXXXXX. I was told that the written line amount always would supersede the amount in the dollar amount field, but somehow this was not the case. Also, a crossed-out name should be flagged and such a check should never be cashed. 

An affidavit was filed around the XXXX of XXXX, when I caught the fraud on my account. It has now been over 3 months and Old National Bank is saying that once the affidavit is filed, things are out of their control. My {$1500.00} has still not been returned to my account. It would seem to be a pretty cut and dried investigation, with 2 glaring changes ( Name crossed out and difference between the dollar amount line and written line amount ). Why would it take so long to return my money?
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX Elan Financial reported to the 3 Credit bureaus that I had a late Payment on my Comerica Bank Credit card.The payment was for $ XXXX.I was not late and have NEVER been late.Elan Financial did not warn me that I was late.I made the payment on the Elan financial online portal.The system had a glitch and my payment was NOT processed.When I contacted ELAN they admitted there was a problem and they reversed the {$35.00} late fee but they WOULD NOT reverse the 30 day late on my credit reports.Over the last year I have spent several thousand dollars with an attorney getting the VERY damaging 30 day late removed from my credit reports.I finally in XX/XX/XXXX was able to get the false info taken of all 3 reporting agencies.At the end of XX/XX/XXXX Elan Financial put the damaging 30 day late back on my reports.In addition I received a letter from them stating " Since I disputed there practices ... they will no longer report my credit card as a active account on the 3 reporting agencies ... ..So they EFFECTIVELY ruined my credit 2 times and even though I have a XXXX balance and a current positive account ... they wont report it as positive to any agencies.These people are savage, ruthless unethical criminals.I have done NOTHING wrong.Now the process starts over.Another year and several thousand dollars to get it removed AGAIN .... {$32.00} late payment I DID NOT MISS has cost me 50 points on my report and several thousand dollars.I am going to find a way to sue this bank in to the ground.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is not mine. I have sent letters and called to report this issue for over 4 months. I was informed that the information would be removed. It is still showing on my report. It does not belong to me. 

XXXX XXXX XXXX Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX XXXX and equifax to investigate my accounts according to 15 usc 1681i XXXX XXXX XXXX it have been more then 30 days to investigate and send me results and they also didnt record the current status of the disputed information which is another violation
Product: Credit reporting or other personal consumer reports

Today, XX/XX/2025 I got an email stated that an inquiry was on my credit report. I did not apply for any credit. This is Fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my credit and seen that I had inquires that I didn't not recognize from multiple companies who pull my credit without permission.
Product: Credit reporting

I have found wrong information listed in my credit report and I have disputed to Experian, but they still not update my info.