23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently relocated to XXXX from XXXX with intentions of renting a nice comfortable place for me and my son to live. Unfortunately, I have been denied residency from every apartment complex that I've applied to, The reason for the denials is because there's a civil court case on my report that shows that I have not satisfied the judgement that was placed against me in XXXX Because of this egregious oversight, my son and I have been homeless since moving here in XXXX. I moved here without a concern simply because I just knew that the plaintiff 's lawyer had submitted the proper documents to the justice court in XXXX  showing that I'd satisfied the judgement and also because I'd been diligently working on my credit and it went from bad to good. So I didn't foresee myself having any issues.

Well that has not been the case. We've been using money that we were going to use for rent on a hotel. Which isn't cheap. This has caused my son and I to be extremely depressed. Not only have I been wasting my rent money on the hotel, I've also been losing money on non refundable application and administration fees from every apartment complex that I've applied to. I'm also losing money because I hired a moving company to move our things from XXXX to XXXX I told the moving company that they could head to XXXX  with our belongings within a week. Due to the fact that we haven't solidified a place of our own, I'm running up a tab with the moving company. 

Someone has dropped the ball with this and because of it, I'm homeless, sad, in an unfamiliar place as well as depressed. My son and I are so ready to have our belongings back from XXXX and a place to call our home. We are not comfortable being in this hotel as there are creepy looking people around here. Again, it's been over a month and he isn't in school yet nor am I working because I don't know where we will be living. Just as I've satisfied my obligation to the courts, someone needs to satisfy their obligation, which is to report correct information on these reports. Especially since they have a profound impact on one 's life. I need to be made whole as this isn't because of any wrongdoing on my part.
Product: Student loan

I have contacted XXXX XXXX probably close to 100 times. I have talked with so many different people, customer service, financial representatives, supervisors and I get a different story each time. There is NO consistency. I have been trying to figure out how to lower my monthly payment and/or utilize income base repayment option. They REFUSE to help with any of this. It's beyond frustrating. I have three student loans with them in additional to Federal Student Loans and I can't afford the monthly payment. Working with this company is nothing short of a nightmare.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Product: Credit reporting or other personal consumer reports

I am victim of a data breach & identity theft ( my personal information has been exposed ). Looking over my credit reports I saw an account that wasn't mine. I asked the Credit Reporting Agencies for verification of this debt, but the information was never provided, Due to my info being exposed in this data breach, I have submitted a FTC complaint that has information that I have no knowledge about. I have also submitted a copy of my ID, SS Card and the letters I sent to the Credit Reporting Agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be updated and corrected as soon as possible : 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

Regardless of multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update this account completely from my credit reports. 
XXXX XXXX XXXX  XXXX.
Product: Credit card

Someone open a credit card in my name at PNC and obtain XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Experian has inaccurately reported a collection account on my credit report. The account in question is incorrect and should be DELETED from my credit report immediately.

Despite my efforts to dispute this matter directly with Experian under my rights outlined in the Fair Credit Reporting Act ( FCRA ), the issue has not been resolved.

Relevant FCRA provisions : 15 U.S.C. 1681i ( a ) : Credit reporting agencies must conduct a reasonable investigation when a consumer disputes the accuracy of information.

15 U.S.C. 1681e ( b ) : Credit reporting agencies are obligated to ensure maximum possible accuracy in the information they report.

I have provided Experian with evidence supporting my claim to investigate and remove this account from my credit report as soon as possible. This inaccurate information is unfairly damaging my credit score and causing unnecessary financial hardship. I request that the CFPB investigate this matter and ensure XXXX complies with the FCRA by removing the inaccurate collection account from my credit report immediately.
Product: Money transfer, virtual currency, or money service

Hi, I called XXXX  XXXX XXXX 1st and been on hold for 3hours dealing with 4 different representatives.. 
The last one helped me stop the payment BUT square is refusing to refund me my funds, The person said they will refund me the money and never did, I called them they gave me XXXX XXXX. 
I have text messages of it ... And email 's with square that they are not helpful payment processors can reverse a payment ... I been scammed and I notified all parties ... XXXX  XXXX XXXX help they did not do I'm reaching out to you guys ... Help me thx ...
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 : FAIR COLLECTIONS & O # XXXX, Account name : XXXX. DATA XXXX # 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy, 15 USC 1681 section 604a section 2 also states a consumer report agency can not furnish an account without my written instruction under 15 USC 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 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file 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
Product: Credit reporting

Although it has taken longer than anticipated to find the info, as indicated previously Experian has not complied with the class action settlement of 2014 ( XXXX Experian Information Solutions , Inc. ) which entitles class members to the free Credit Monitoring Product for a period of 3 years. 

Class Counsel : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Additionally, although I recently received a credit report ( from your efforts ), it did not contain my score ; as it should have if for no other reason than to show good faith for not providing free Credit Monitoring for over a year since the settlement.
Product: Debt collection

The company Source Receivables Management contacted me in XXXX of XXXX stating that I owed a bill from XXXX in the amount of {$750.00}. I thought it was a scam because I never had a anything in my name from XXXX before. They kept calling me very rudely stating I needed to pay this bill. I repeatedly told them this was a mistake and I did not have a bill in my name from XXXX. Recently they sent a letter that they are trying to collect a debt and I owe in XXXX. Source Receivables Management says the account was open in XXXX and closed in XXXX. I had no knowledge of this what so ever. The address they gave me was to a tire shop and an email with a bunch of numbers. I proceeded to contact XXXX now XXXX informing them of what's going on. XXXX informed me that around that time no id or anything needed to be used to open an account in someone's name and I can't get into the account because I have no information on as far as a PIN number or security answer. This was fraud and XXXX XXXX suggested that I report it as fraud. I would like Source Receivables Management to find the agreement letter on this fraudulent purchase so my name can be cleared and taken off of my credit report.
Product: Credit reporting or other personal consumer reports

I would like these 3 items removed off all three of my credit bureras because this is hurting my credit score. Please remove these items off my credit report ASAP! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Highest Balance {$2300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Highest Balance {$21000.00} Acct Number XXXX XXXX XXXX date opened XX/XX/XXXX highest balance {$320.00} acct XXXX XXXX XXXX Date XX/XX/XXXX TransUnion
Product: Credit card or prepaid card

On XX/XX/2020, XXXX notified me about a hard inquiry made on my credit from Capitol One-Cabelas. The inquiry was made on XX/XX/2020. I did not authorize nor request this, nor did I give permission for anyone else to do so on my behalf. On XX/XX/2020, I contacted all three credit bureaus to report the fraud, request a dispute to have this fraudulent request removed from my credit file, and place a freeze from future credit inquiries. I also contacted Capitol One on XX/XX/2020 to inform them of the fraudulent inquiry created on my behalf and to request a letter of deletion so the credit bureaus could remove this fraudulent information from my credit history. I spoke with an agent in Capitol One 's fraud protection department named XXXX at XXXX. She closed the fraudulent account. She also stated it would take 60-90 days for a fraud adjuster to complete an investigation and for them to notify the three credit bureaus to remove the fraudulent hard inquiry from my credit file. She could not provide me with a case number for me to follow up and ensure this fraudulent information will be removed from my credit history. She also said I would need to send them two forms of government-issued ID to provide me with a copy of the statement application.
Product: Vehicle loan or lease

i wanted to refinance before getting my new home, but they wouldnt. because when they sold it to me it was already XXXX down, with rates all but needed the vehicle with an Co signer. but when covid hit i never could catch up with high payment each month.
Product: Credit card or prepaid card

I have reached out to credit company during the to let them know I was out my a job and if they could assist me. No one was able assist and I was charge with late payments and its also reported to credit bureau. In month of XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i called and spoke to XXXX who is a supervisor on XX/XX/2018, they speak poor English and pretend to not understand English, i requested that they remove all inaccurate item, to date XX/XX/2018 they did not even do the dispute,
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX, XXXX XXXX, and XXXX XXXX i sent dispute asking for accounts to be validated and verified. Never happen and has been well over 45 days. Sent to Equifax, XXXX, and XXXX. 


Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Letter to Remove Inaccurate Credit Information I received a copy of my credit report and found the following item ( s ) to be in error : 1. account already paid creditor agreed to remove Account Number : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 




XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Letter to Remove Inaccurate Credit Information I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Verify RETAIL XXXX XXXXXXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

2. Validate Verify XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. Validate Verify RETAIL XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

4. account already paid creditor agreed to remove XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate XXXX XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

2. Validate Verify XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

I am writing to inform you of a serious issue regarding my credit report. Upon reviewing my credit reports from [ Name of Credit Bureaus ], I discovered evidence of identity theft. It has come to my attention that unauthorized accounts have been opened under my name without my knowledge or consent. 

I understand that under the FCRA, you have 30 days to complete this investigation and provide me with a response. Additionally, I urge you to place a fraud alert on my credit reports to prevent further unauthorized activity. 

The following unauthorized accounts have been reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2022 ordered a XXXX hedgetrimmer online for {$98.00} and paid with XXXX with a Bank of America credit card. The next day after researching the seller it was determined the website was fake and I Immediately called BOA who issued a credit to my account. After receiving a tracking number from the fraudulent seller they reversed the credit to my account. I initiated my own investigation with XXXX who informed me the tracking number provided is fake. I appealed BOA decision but they still denied it. Bank of America per the member agreement should standby their customers and issue a credit based off the fraudulent charges.
Product: Student loan

Loans are with XXXX XXXX. Have miscalculated my payments for the Public Service Loan Forgiveness, have not capped interest as a veteran/XXXX XXXX service member and based payments on gross income, not adjusted.
Product: Vehicle loan or lease

In XX/XX/2022, I wrote Bank of America and requested information about an account they are reporting on my credit report which they failed to respond. I then sent another letter in XX/XX/2022 but they responded with only portions of the information requested. In XX/XX/2022, I was advising that if they failed to respond with sufficient verification and/or comply with the law, then they would be subject to fines and damages, per the FCRA. And now they have still failed to comply. They did not send a Verification of accurate billing ( ie, every single itemized statement, payment, credit, interest added, disputed charges, etc. ) from the time this alleged account was first established
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding my credit report. Upon reviewing my credit report, I have identified several unauthorized accounts that have negatively impacted my creditworthiness. I strongly believe that these accounts are the result of identity theft and require immediate attention and resolution. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
The following are the specific accounts in question XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX I want to clarify that I have not initiated or authorized these accounts in any way. These accounts have been fraudulently opened without my consent or knowledge. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing a report with the XXXX XXXX XXXX XXXX and the Federal Trade Commission ( FTC ). I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. 
I kindly request that you conduct a thorough investigation into the validity of these accounts and take the appropriate actions to remove them from my credit report as they are not the result of any legitimate transaction or credit application made by me. 
A written statement confirming the removal of these accounts from my credit report upon the completion of your investigation. I understand that this is a serious matter, and I urge you to act promptly to rectify this situation. Failure to cooperate in resolving this matter may result in further legal action to protect my rights and creditworthiness.
Product: Debt collection

XXXX***COMENITY BANK/XXXXEWYORK & COMPANY IS IN NONCOMPLIANCE OF REGULATION P, THE GRAMM-LEACH-BLILEY ACT, 15 USC 6801-6809***** I AM THE CONSUMER. I sent COMENITY BANK/NEWYORK & COMPANY my official notice on XX/XX/2022 to opt out of my nonpublic personal information, which means my personally identifiable financial information, from being disclosed to any and all nonaffiliated third parties of COMENITY BANK/NEWYORK & COMPANY . COMENITY BANK/NEWYORK & COMPANY continues to disclose my Nonpublic Personal Information to nonaffiliated consumer reporting agencies and resellers. COMENITY BANK/NEWYORK & COMPANY also did not provide me with a reasonable means of subsequent notice that clearly and conspicuously explained my right to opt out of COMENITY BANK/NEWYORK & COMPANY disclosing my nonpublic personal information to nonaffiliated third parties. I am now forced to COMENITY BANK/NEWYORK & COMPANY unreasonable opt out means, by only being able to exercise my right to opt out through a letter. After viewing this opt out notice COMENITY BANK/NEWYORK & COMPANY or any of its affiliates should not continue to disclose my non public information to any consumer reporting agency or any other nonaffiliated third party. Examples of my nonpublic personal information and personally identifiable financial information that should no longer be disclosed to consumer reporting agencies and any nonaffiliated third parties include but are not limited to 12 CFR 1016.3 ( q ) ( 2 ) ( i ) A-G : ( A ) Information I, the consumer, provided to you on an application to obtain a financial product or service; ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ; ( C ) The fact that I, the individual, is or has been one of your customers or has obtained a financial product or service from you ; ( D ) Any information about me, the consumer, if it is disclosed in a manner that indicates that I, the individual, is or has been your consumer ; ( E ) Any information that I, the consumer, provided to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a loan or a credit account ; ( F ) Any information you collect through an internet cookie ( an information collecting device from a Web server ) ; and ( G ) Information from a consumer report. I expect COMENITY BANK/NEWYORK & COMPANY to adhere to Regulation P, The Gramm-Leach-Bliley Act, 15 USC 6801-6809 and any other federal regulation that is applicable. I expect COMENITY BANK/NEWYORK & COMPANY to adhere to my opt out notice of disclosing my nonpublic personal information and personally identifiable financial information immediately. COMENITY BANK/NEWYORK & COMPANY can no longer disclose any of my nonpublic personal information and personally identifiable financial information to any nonaffiliated third party. Remove my Nonpublic Personal Information from any and all nonaffiliated third parties consumer reporting agencies and resellers immediately.