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

XX/XX/year>2025 XXXX XXXX box XXXX XXXX, Tx. XXXX Subject : Dispute of Unauthorized Access to My Credit Report Under 15 U.S.C. 1681b Dear XXXX, I am writing to formally dispute and request an investigation into an unauthorized access or furnishing of my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, consumer reporting agencies are prohibited from furnishing a consumer report without the consumers written consent or a permissible purpose as defined by the statute.

After reviewing my credit report, I noticed an inquiry or account that appears to have been accessed or furnished without my explicit written authorization or a permissible purpose as outlined under federal law. I have no record of providing consent for such access.

Please provide the following : 1. Documentation or proof of my written authorization permitting this access to my credit information.

2. A detailed explanation of the permissible purpose under which this access or furnishing of my information was allowed.

If you can not provide evidence of my authorization or a valid permissible purpose, I respectfully request that the unauthorized inquiry or data be removed from my credit file immediately.

As mandated by the FCRA, I expect this matter to be investigated within the required 30-day timeframe. Please confirm receipt of this letter and provide updates regarding your investigation.

If necessary, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal remedies to protect my rights under the FCRA.

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Mortgage

They denied me stating that they used VA 's guidelines. Va 's guidelines state I didn ot have to have a clear XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 
there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

I had already disputed these accounts with all three Credit bureaus and with state these accounts that are on my credit report are accounts that are still pending with XXXX XXXX. insurance they are not supposed to be in collections I have tried to explain this to them and they just ignore it what they did they took it from a charge off-collection status on my XXXX and made it a closed account but left it in collections then on my XXXX   and my XXXX reports there still in charge -off account status they didnt send me any notification that they were going to be putting these accounts on my credit file didnt give me any notifications so that I could dispute the charges with them at all some of these accounts theyre taking one account and breaking it down bill by Bill to make it seem like more account, the account for the XX/XX/XXXX bill thats one account it should not be two separate accounts that was one bill for one service but state took it and broke it down there now Its two collections on my credit report instead of one there are Multiple bills like that
Product: Money transfer, virtual currency, or money service

I have a nonprofit charity account with Venmo that Im unable to access through the app. This issue started in XXXX. I initially called their service desk on XX/XX/year> and was told they are unsure why this issue started happening but they will escalate it to the team. 

The one piece of information they provided is that my inability to access the user interface of the platform is due to a coding/programming glitch and they are working on it. There was little to no proactive follow up nor was the issue resolved. 

I called again on XX/XX/year> and was told this is an issue affecting 90 % of Venmo charity accounts and that the global team has escalated to find a resolution. 

Once again there has been no resolution. I emailed again on XX/XX/XXXX or XXXX to inquire as to the status of the resolution and received a reply asking me to identify the problem. I have previously described the problem and provided screen shots. 

A different service rep replied acknowledging I have been experiencing this issue for a while and that they have identified the problem and are working to resolve it. 

As of today, XX/XX/year> the issue has still not been resolved. 

I currently have {$610.00} in a Venmo charity account that Im not able to access due to a pop up error message that is due to a coding glitch according to Venmo. They seem to be doing nothing to resolve this and have provided no updates. 

My case number is # XXXX which I believe was assigned after my second call I have a previous case number which must have been assigned after my first call # XXXX
Product: Debt collection

I received XXXX separate written notices from Resurgent Capital Services stating I owe two separate debts from XXXX XXXX XXXX XXXX, accounts ending in XXXX and XXXX. Per the letters both accounts originated in the year XXXX. Neither of the accounts belong to me ; furthermore, I believe the communications lacked the necessary information in an attempt to start communication therefore they can activate the ability to try to collect on these alleged debts that are almost XXXX XXXX XXXX. On XX/XX/XXXX I sent a certified letter because Resurgent 's agency sent information that lacked what is needed to validate two accounts being handled by XXXX XXXX XXXX XXXX. I sent certified mail to Resurgent 's disputing accounts represented by XXXX XXXX XXXXXXXX and now some how they are now sending this letter stating I am disputing the above mentioned XXXX accounts. The letter was very clear which accounts I was questioning. I never contacted this company about any XXXX accounts because I do not own these accounts. XXXX XXXX XXXXXXXX gave this company my contact information and now they are trying to collect on accounts over XXXX decades old.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonabl reinvestigation of disputed inforn credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my cred standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

We live in a world of high technology, why would a bank allow you to transfer money from XXXX or anything else when you dont have enough deposits? Because they can charge fees and its relative to writing bad checks. 

This is wrong, they know you dont have money and they also know they can charge fees, crazy fees for overdraft, this was an accident, not purposeful. 

Come on government, make it fair, everyone is tired of being ripped off. Its simple, if you dont have money, you cant transfer it, not go head and we will chrArge you crazy fees. 

This is Wells Fargo who has ripped everyone off and Im the XX/XX/XXXX one for being loyal. 

Come on government, protect us.
Product: Debt collection

I have received multiple letters XXXX referencing an account number XXXX ) from SN Servicing Corporation regarding a property they claim I own. I have NO knowledge of this property and have NEVER done business with this company, SN Servicing Corporation nor the company, XXXX XXXX XXXX XXXX XXXX XXXX in XXXX 2013, referenced in the letters. 

The multiple letters and statements claims a payment due of {$37000.00} and an outstanding principal of {$110000.00} with no supporting documentation or anything, just simply their " word '' of a mortgage loan owed. 

They claim I am 1465 days late on a mortgage that I never got and that if I do n't pay they will foreclose. What mortgage lender waits 4 years to foreclose on a property? NONE! Also, they send other letters claiming they are attempting to collect on a debt. So some letters state I am behind on a mortgage I never had and then other letters saying this is an attempt to collect on a debt. 

I have called multiple times and constantly transferred to XXXX XXXX XXXX whom is also listed in the multiple debt collection letters sent ) who never answers nor calls back regarding my multiple voicemails. 

I have also emailed multiple times to the ceo and to there customer service department and sent an overnight letter demanding they cease and desist on all contact and telling them I dispute this account as it is not mine. 

My multiple and varied inquiries into this Fraudulent Account are being ignored and there are no signed and notarized loan documents in my name bearing my signature. Therefore, I am contacting a lawyer as well as filing this complaint with Consumer Financial Protection Bureau against this company.
Product: Credit reporting or other personal consumer reports

Credit Reporting Companies, XXXX XXXX XXXX I have reviewed my credit reports and found that in regards to this account none of you all have it accurate. I have spoken with a supervisor at XXXX XXXX and he agreed to delete this account or update it to never late as it should be. Your willful non compliance with FCRA and FDCPA Laws that requires you to delete this account when there are so many inconsistencies and inaccuracies has severely hurt me and is about to make me and my XXXX  XXXX  homeless! I am begging you all to treat me with respect as a human and just be fair and admit that this account needs to be deleted! Each of you have reporting this account as verified before, both XXXX and Transunion deleted it for a month, then while I had my credit profiles unlocked it seems that you all saw that XXXX still had the account then put it back. 

I am going to list a few of the inaccuracies and show you what each are reporting. 


XXXX and Transunion correctly lists this as an Installment Account, however XXXX lists it as a Home Improvement account under real estate which is just outrageously wrong. This must be corrected immediately as it is causing serious issues that will leave me and my baby homeless! 

XXXX has the following dates as late, XXXX  XXXX ( 60 days ), XXXX ( 90 days ), XXXX ( 120 days ) then XXXX ( 90 days ) This is grossly inaccurate and its impossible to be correct. The previous XXXX clearly lied and did not catch this error. This account must be deleted immediately from XXXX. 
There is no date of first delinquency because this account was never late. Again your reporting must make sense and be accurate, if not it must be deleted. You all keep failing so its time to delete. 

Transunion has the following dates as late, XXXX  XXXX ( 30 days ) XXXX ( 60 days ) XXXX ( 90 days ) XXXX ( 60 days ). Again this can not be accurate. Do the math. It is also not the same as reporting to XXXX. There is also no data of first delinquency because this account was never late. The status should be never late, but you all keep getting this wrong and it has impacted my life severely, so please delete it now! 

XXXX has the following dates as late, XXXX  XXXX ( 30 days ) XXXX ( 60 days ) XXXX ( 90 days ) XXXX ( 60 days ). Again this can not be accurate. Do the math. It is also not the same as reporting to XXXX. There is also no data of first delinquency because this account was never late. The status should be never late, The type of loan should be installment like the other two agencies report it, but you all keep getting this wrong and it has impacted my life severely, so please delete it now! 

I have attached documents to show this. Please delete this account quickly this is severely harming my life. The account has been paid off in full and there is no reason for you all to keep this on my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Transunion about a fraudulent inquiry on my report that was affecting my credit score because of multiple inquiries by the same companies. I never authorized my information to be shared with this company. I contacted the company, in which they initiated the information was factual and that it will not come off my credit report. They also sent out a letter for me to contact them about my dispute. The dates that they tried to pull my report was  XX/XX/XXXX  ad also  XX/XX/XXXX . I feel violated of my rights and the accusations that they are putting on me about the credit application I 've never applied for. I do not have any credit with them or have ever tried to apply for credit with this company. There was a freeze on my credit report and I was never notified of them pulling my credit report.
Product: Money transfer, virtual currency, or money service

on XX/XX/2020 I received an email from PayPal ( Ref ID - XXXX ) that my paypal business account will be limited going forward which means I can not use it anymore They are also holding my balance of approx {$110.00} for 180 days which I can not withdraw now. 

I reached out to them for resolution and know the reason but I got the same response over a secure message from them. 

Paypal business account is very important for me to run my business.
Product: Checking or savings account

There were unauthorized transactions worth of XXXX grand and I was only notified once by the bank and their fraud department upon calling and speaking with the fraud department at TD Bank they said my card and account would be completely closed until the dispute was finalized. My dispute was denied because I was informed it was pin based meaning the suspect used my pin and account info along with personal information to do money orders. As soon as I found out I put a fraud alert on my accounts and attempted to reach out to the local police as well as making a complaint with the FTC. Now the bank is saying my account will go to collections and I have to pay them back XXXX grand.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute some inaccuracies on my credit report. The following items appear to be incorrect and are negatively affecting my credit score : Account Name : XXXX Account Number : XXXX Reason : This account is wrongly reported as charged off with an outstanding balance, and it's causing me a lot of stress. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative status entirely. I don't agree with your investigation results and kindly ask for the evidence or for this negative information to be deleted. This situation is really affecting me. 

Account Name : XXXX Account XXXX : XXXX Reason : The current payment status of 60 days past due is incorrect, as the balance on this account is {$0.00}. I dont agree with the results of your investigation, and its causing me a lot of distress. Please send me the proof of your investigation and evidence of the negative payment status for this account or kindly remove the negative information. This situation is really affecting me, and I desperately need it to be resolved. 

Account Name : XXXX Account XXXX : XXXX Reason : I dispute the missed and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. I dont agree with the results of your investigation, and this is causing me a lot of stress. Please send proof of your investigation and the negative payment status or remove the negative information. This situation is deeply troubling for me. 
Account Name : XXXX XXXX Account Number : XXXX Reason : Ive never had a contract with this debt collector, and it's causing me a lot of stress. Please provide proof from the original creditor that they own the debt and have the right to collect it or remove this account. I dont agree with your investigation results, and this is really affecting me. Please send proof or delete the account. 

Account Name : XXXX Account XXXX : XXXX Reason : Ive never had a contract with this debt collector, and it's causing me a lot of stress. Please provide proof from the original creditor that they own the debt and have the right to collect it or remove this account. I dont agree with your investigation results, and this is really affecting me. Please send proof or delete the account. 

INQUIRIES : TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX carefully reviewed and corrected. I have reached out to both the credit reporting agency and the data furnisher, but the issue has not yet been resolved. Attached are supporting documents, including screenshots of my credit report, which highlight the inaccuracies and back up my claim. I kindly request that this matter be investigated as soon as possible, and that my credit report be updated to reflect accurate information.
Product: Vehicle loan or lease

After I paid my auto loan off it was reported paid and late 30 days. I disputed it several times. Initially it stated it was 30 days late in XX/XX/XXXX the month it was paid off. After disputing it the month was changed to current but the remark remains 30-60 days late. I reached out to Chase credit department and I was told that my credit report shows never late and they could not see the remark. I disputed it 3 times but nothing was changed. I reached out to Chase again and I was told it was late in XXXX XXXX and my checked was returned. I told them that was incorrect and I was told to send in my bank statement showing it was not retuned and my credit report showing the remark. I did and it still was not corrected on my credit report. My XXXX and XXXX report show never late but has a 30-60 day late in the remarks. Every month on these reports show paid on time. I do not understand how a credit report can show a perfect rating but has a negative remark. Since this has been on my credit I have lost accounts and limits have been decreased because of this negative and inaccurate reporting. So basically my XXXX and XXXX report show a perfect never late for each month but I remark of 30-60 days late without showing which month it was late.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX  XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX acct number XXXX has reported that I owe them {$790.00}. I dont know of any debt that is owed from me. I have never been extended any credit with them. Please remove