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

I continue to ask both the credit agency and the furnisher, to please provide me with verification of the debt in question, because I have an XXXX  son with the same exact name. Experian continues to put addresses that I have not lived at, but my son has on my credit profile. When I have reached out to both about not only the method or verification, but also some kind of proof. 
They both just send me letters saying it has been verified. I sent these same issues to XXXX and they have all been removed. XXXX and Experian continue to play these games saying its been verified or they update it with even more wrong information. 
I have attached screen shots from both credit bureaus of the accounts in question, and Im asking for physical proof to not only be sent to me, but also a copy sent to the CFPB as well. I want all these negative accounts that have no proof of belonging to me removed from ALL my credit reports. 
XXXX XXXX XXXX  not only have different dates closed, and is also missing payment history, and the information on the account is incomplete. Offer some physical proof this account does indeed belong to me or remove it! 
XXXX XXXX XXXX XXXX XXXX XXXX is also missing information on payment history. Please provide some physical proof that is account belongs to me, or remove it! 
XXXX XXXX XXXX XXXX XXXX this account is showing different close dates and missing payment history. This account is incomplete. Please provide physical proof this account does belong to me or remove it! 
XXXX XXXX XXXX Is missing payment history, shows inaccurate information and shows late 120 days XXXX months. Please provide physical proof this account belongs to me or remove it! 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX This account shows inaccurate XXXX shows the account closed XX/XX/20 and Experian shows it closed in XXXX with back-to-back 120 months. Not sure how this was verified as accurate with all this mistakes. Please show proof this account belongs to me or remove it! 
XXXX XXXX XXXX This account is on my report multiple times with different information. I have an active XXXX account that I sin good standing and they have this mixed negative account on my reports also. I have missing information, inaccurate information. Please provide proof that the NEGATIVE accounts on my account belong to me with some kind of physical proof. If not remove the NEGATIVE accounts from my profiles! 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX This account is missing payment information, and has yet to verify that it belongs to me. Please provide some type of proof this account belongs to me. How was it opened and closed in the same month with missing payment history.
Product: Credit reporting or other personal consumer reports

There are still accounts on my credit report that shouldn't be there even though I sent your company a claim last month XX/XX/year> and made it clear which accounts were fake.
Product: Debt collection

I am writing to address the inaccurate reporting of balances on the following accounts in my consumer file. Also, the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Furthermore, regarding the bankruptcy XXXX  XXXX XXXX Reference : XXXX, the reported information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Bank is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responded within XXXX  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, Equifax '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 proceedings ( File No.2025-CFPB-0002 ) against them for similar violations. I requested that the CFPB takes action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I have marked as inaccurate : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$580.00}
Product: Credit reporting or other personal consumer reports

As Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX to Debt Bondage and would like for all listed accounts to be blocked and deleted. 

please delete the following accounts : 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX flagged my account and opened a collection on my credit report that has severely affected me! It says the account was opened on XXXX, 2019. This is the second time they have done this. Last time was removed and now they opened again! I have no knowledge of this account nor do I have any contract with this company! The amount says {$380.00} original balance and {$390.00} past due. Please remove from my credit report
Product: Debt collection

Am in good standing with student loans, i have filed with Students departments defferrement based on low income, it came when i tried to apply for morgage as first time buyer and discovered there was different student loans i wasnt aware of it. They have reported me to credit bureaus
Product: Checking or savings account

I had an Affirm Savings account in XXXX, which was eventually closed after a period of inactivity. When I tried to get my 1099-INT form for XXXX, I was unable to access my account and pull my tax statement. 

I called Affirm 's customer service line on Wed, XXXX XXXX, XXXX at XXXX Eastern, and was informed that they could not provide me my tax form because my account was closed. I informed them that I need the form in order to properly file my taxes, but the account rep could only respond that they could not send me my information. 

I have not yet received a response from Affirm since that call, and am filing a complaint because I want my 1099-INT form for XXXX related to my Affirm Savings account.
Product: Credit card

I received an email XX/XX/XXXX from an unknown individual for a transaction to XXXX XXXX for the invoice XXXX for the purchase of {$390.00} with XXXX XXXX XXXX XXXX Contacting XXXX XXXX said this could not be indentified as unauthorized activity and they were unable to locate this transaction. They stated they tried to contact me, but I received no message and never contacted me to obtain information needed. Only XXXX XXXX statements had any transaction activity, XX/XX/XXXX and XX/XX/XXXX. All transactions were made with my personal XXXX card. XX/XX/XXXX XXXX sent an email stating " we've completed our review of your unauthorized activity case and we have determined there was no unauthorized use ''. We're unable to locate the transaction. i received nothing further from XXXX. 
In XXXX I received a statement from PayPal Credit, the first XXXX, with a Statement Closing Date : XX/XX/XXXX showing a new balance {$940.00}. When I called XXXX XXXX XXXX XXXX XXXX ) XXXX to notify them I did not have this account, they stated that I must have opened the PayPal Credit account XXXX I opened XXXX in XXXX. I asked them to close this account that was fraudulently opened. After numerous calls to their call centers in the XXXX or XXXX and XXXX months of their statements, there was one particular call. I talked with XXXX individuals, XXXX male individual became rude and surly during our conversation. He asked me to identify myself after conversations with the two other individuals. I gave him my phone number and he replied " that is not the number they have for me ''. Was this why I was not contacted by XXXX? He then requested reprinting of all the account statements from XX/XX/XXXX to XX/XX/XXXX showing all transaction history. When I received this package from their XXXX location, I reviewed these transactions to discover numerous purchases of bitcoins, some cash advances and minimal payments on this account. They have closed the investigations several times, denied the fraud claim several times forcing me to again reopen the claim, sending duplicate responses back identifying the transactions I did not make or authorize. I filed a police report locally, contacted XXXX XXXX # XXXX and notified my credit bureaus of this problem. Another investigatio is ongoing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filling this report because there are three accounts on my credit that are not mine. The accounts are from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. The only reason I found out about these accounts is that I applied for a personal loan today XX/XX/2020 and I was denied so I looked through my credit report to see why I was not approved. These accounts were opened in my name without my permission ; I have never allowed anyone to use my personal information to open these or any other accounts. I did not benefit anything from these accounts like money, goods, services, or anything else and I never made any payments towards these accounts. I have filed this report to the best of my knowledge.
Product: Credit reporting

XXXX XXXX XXXX is reporting negatively on my credit report and I was n't aware of the reporting until I checked my credit report and saw it. I have n't received any type of bill or notification of the past due amount but yet the company felt the need to report it negatively on my credit. The company responded with this We have already responded to this consumer XXXX dispute back in XXXX XXXX, XXXX, informing her that the payment was received and the account will be updated as paid in full. The account was received in our office on XXXX XXXX, XXXX and the payment was not made to the account until XXXX XXXX. This was also closed per XXXX on XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

Nfcc keeps reporting that I was over 120 days late when we did a debt disbursement plan and none of it shouldve been reflected on my credit report. This happened in XXXX XXXX and XX/XX/2023. Everything shouldve been reported as OK with no late payment histories. Ive never made any late payments. The agreement stated that.
Product: Checking or savings account

Some one hacked into my Regions Bank account and enrolled me into XXXX and withdrew {$500.00} from my Regions Bank account the persons name that is listed on the transaction is XXXX XXXX XXXX. I have never heard of XXXX and did not know who they were. When I loged into my regions account thats when i was hacked and someone had a virtual connection of my computer using XXXX XXXX. This person XXXX XXXX stole {$500.00} from my Regions Bank account using XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made a purchase on cashapp and XXXX but later on found out it was a scam an fake website. XXXX keeps telling me they can not do a dispute and give me my money back. It was for XXXX on XXXX XXXX for a drum set I clearly never got nor got a tracking number for as well. 
All. I want Is my money back from the scammer who took my money an I cant obviously get into contact with the seller that XXXX keeps telling me to do. 
It was for my XXXX year old daughter birthday.
Product: Credit card

XX/XX/XXXX XXXX made an early payment to jpmcb to pay {$2800.00} balance in full. Payments due on the XXXX of the month. Perfect payment history 7 years,, the total history of credit card account with jpmcb. 
. Having XXXX other accounts linked to my jpmcb account for payments, I clicked the wrong account by accident. 
. Immediately called jpmc to inform them of my mistake,, to avoid all hidden fees and penalties they give, and so they would not XXXX attempt to charge that account and to place full balance available to pay with correct linked account. 
. Called linked bank to stop payment, return was complete in 2 days. 

XXXX XXXX. Before my balance was made back available to pay, jpmcb made XXXX attempt despite me not authorizing the transaction. 
. With j p morgan chase bank they refuse to abide by laws, codes of ethics, as well as promise to customers advertised below their faulty charges, again! 
. jpmc did not return my credit card balance until XX/XX/XXXX, actually forcing a late fee along with high interest charges, because my bill is due on the XXXX of every month. 
. I can not pay on a {$0.00} balance so they default and need to reverse, remove, and FIX all damages done to my well being dropping my XXXX XXXX from the XXXX to the low XXXX within 2 months. 
. I paid all monies that I've ever spent back to jpmc, while actually i never owed them a XXXX as the money they loan me never exist while using the credit card. 
. Customer service and supervisors seem to like to blame systematics on the neglect and lack of proper XXXX XXXX over providing customers with proper help when dealing with their financial info, credit profiles as well. I only was assured of what they can't and or won't honor to me by law. 
. I've been calling jpmc all year, month by month trying to get this settled, only to be ignored, lied too, hung up on, and harassed but debt XXXX as well and threats to freeze my account for multiple late and missed payments. 
. CONC XXXX, XXXX, XXXX direct violation to me, consumer, as well as other codes, laws, and duties due to me spawning from XXXX and XXXX.
Product: Debt collection

Collection company insists that I have a debt from 2007 for an XXXX. Debt is supposedly {$2000.00} and they first started calling me a month ago. I have never had a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt collector fraudulently used my personal information to attempt to collect a debt that is reporting inaccurate on my credit report. I believe the law according the FCRA 15 USC1692K applies in this situation 1. XXXX XXXX  # XXXX
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a bill from a collection agency in the mail today. I thought it was bogus bc I've never heard of or had any affiliation with the companies listed on the letter. I called no one answered. The realty company ( XXXX XXXX ) that was listed as the creditor answered the phone and told me they were across the country and had no facilities anywhere near where I live. I then pulled a credit report and there have been numerous hard/soft inquiries from various rental companies and power companies ranging from the east to west coat that are fraudulent dating back since XX/XX/2018.
Product: Payday loan, title loan, or personal loan

On   XXXX   XXXX   I applied for a payday loan, and they only gave me the option to pay it on the  XXXX  which is n't my actually pay period. To my understanding just like every other payday loan companies they go based off my pay periods but Advance America did not! So I called   XXXX   XXXX   and spoke with them about it and asked if it can get pushed to the actual day I get paid because I do not want a late free and my bank account to be over drafted. She explained to me she could n't and I would have to wait and take the late fee of {$15.00} extra dollars and I would have to pay {$310.00}. I also went and asked if they was a way I can split and it was also told to me I could n't. It was very inconsiderate unlike  XXXX  or   XXXX   where they can work with you, reschedule and be flexible Advance America was n't and they charged me a great amount to pay back from just {$250.00}. I am completely enraged and upset with them because now in my bank account I over drafted and I owe the bank money!
Product: Credit card or prepaid card

Every six months like clockwork Capital One uses a discriminatory " fraud detection '' algorithm to temporarily close my two accounts ( primary Capital One Venture card and Walmart Capital One card ). I have address this issue on at least 3 other occasions with the company and they still shut my account down 1-2 times a year. This never happened before XXXX as far as I can recall and I've had the Venture card at least 6 years and I've had the Walmart card for probably 4 years at this point. 

The process goes like this. I go to use my card at a random time and boom, the card is declined. This is infuriating and embarrassing, especially when you have a XXXX  balance. It makes you look like a delinquent payer and that's not what I am. So I get no notice before I use the card that it's been suspended. Then when I call Capital One, I'm only told ( by a foreign agent with a broken accent ) that there was a " fraud event '' and I have to re-verify myself. EVERY SIX MONTHS. The last time it happened I insisted they tell me, after I " verified '' my same driver 's license that I've had for 5 years+. Haven't changed my name, address, date of birth, nothing. They told me it was my email address. The same one I've had for 25 years, a XXXX address, owned by XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, based in PA, a company open since XXXX with hundreds of thousands if not millions of users in both the web hosting and email spheres. Capital One is discriminating against me based on a legitimate email address which has no basis in reality. There systems should never put an undue burden on the customer to prove that they are still the same person with no CREDIBLE evidence of fraud. And to FORCE me to REVERIFY myself every 6 months when every other customer doesn't have to do the same thing is the very definition of discrimination.
Product: Credit reporting or other personal consumer reports

It is my sworn statement that the listed accounts and inquiries are a result of identity theft as I did not create these accounts or inquiries. Please delete these fraudulent accounts and inquiries pursuant to 15 USC 1681c-2. Also, please update my personal information pursuant to 15 USC 1681e ( b ). 
DELETE ADDITIONAL INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE DELETE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE ADD MY CORRECT EMPLOYER : XXXX XXXX XXXX XXXX XXXX 

Please see attached Identity Theft Report.
Product: Credit reporting or other personal consumer reports

I have been getting frequent calls daily from debt several different companies ( or scammers ) offering debt loans relief, student loan relief, underwriting teams (? ), debt collection agencies that wont tell me who they represent. My checking account was compromised twice in 2024. My data was leaked to the dark web, according to my credit report. And my payments were delayed ( late ) because of this which had a domino effect. My credit score went down XXXX points. I believe due to the major data leak in XXXX, all of my personal information was used against me. I have not been able to bring my credit score up because the damage was major. It is an FCRA violation ; my information was not protected and I can not account for people using my identity, increasing debt, and negatively impacting my credit score.
Product: Student loan

XX/XX/year> I received approval for discharge of my student loans. I have spoken to Mohela and even uploaded the approval letter to their website. They have not processed my discharge or refunded me the amount I had paid. I attended XXXX XXXX XXXX XXXX XXXX that was covered under XXXX XXXX XXXX settlement. Everytime I call they place me on hold for serval hours and keep transferring me to different people without any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax on XXXXXXXX. Equifax confirmation # XXXX. The disputed was filed against XXXX account # XXXX and XXXX account # XXXX. I clearly stated in my dispute that I have never had a medical bill with the original creditor XXXX XXXX XXXX XXXX. I submitted over a copy of my complete medical insurance information for the months and day in questioned. On XXXX XXXX responded back to my dispute and verified that all information attached to this account is correct. They lied. The name XXXX  has on file is XXXX XXXX and that is not my name, the address they have on file is XXXX XXXX XXXX XXXX XXXX XXXX, NV and I have never lived at that address. I contacted XXXX XXXXXXXX XXXX. They provided me a copy of the bill in questioned. The original account # XXXX, statement date XXXXXXXX, amount due {$0.00}. This came direct from XXXX XXXX XXXX billing portal. I was also informed that they are not trying to collect on this bill. They adjusted the bill due to fraud so the amount due is XXXX. I provided both XXXX and Equifax this information and XXXX  is still trying to fraudulently collect on a paid bill. Equifax has not properly investigated my dispute and they are allowing a company to validate a debt that has multiple inconsistencies. Equifax has allowed XXXX to reconfirm erroneous information reported by them on my credit file. I have attached a copy of the paid bill showing a zero balance with the matching account number.