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

My credit report reflects inaccurate personal information regarding my former spouse. It currently reflects XXXX XXXX, as my current spouse. I have since divorced in XX/XX/XXXX. My current spouse is XXXX XXXX.
Product: Debt collection

XX/XX/2018 in the amount of {$690.00}. I have sent many letters and called and no results
Product: Debt collection

On XX/XX/XXXX I noticed Ad Astra filed something on my credit report. I immediately called them. I spoke to XXXX who said he would send us supporting documentation of this claim via XXXX XXXX as this was not a debt I believed I incurred. I received nothing and called back on the XX/XX/XXXX and was informed by XXXX that no one worked there with XXXX 's name and that we needed to write a letter to dispute it. She continued to state she could send us no proof of debt until we disputed it. We faxed the attached letter on the 6th to dispute this claim. I spoke on XXXX with XXXX to ensure receipt of the letter. She claimed they could do nothing until we filed a police report and would not give any information about the debt which I feel is not mine based on the current facts provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX : XXXX, XXXX XXXX XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These account have resulted in several fraudulent appearing on my consumer FICO credit report. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account are the result of identity theft and fraud.
Product: Student loan

I called Nelnet and submitted disputes with all Three bureaus. Nelnet updated late payment reporting on one bureau but has refused to update the other two bureaus. I have been getting the run around without a response. I am lost on why just one bureau would be changed but my two other bureaus are still being hit. Please help, this whole process has been so frustrating.
Product: Credit card or prepaid card

I have paid off my credit card balance and closed my Home Depot credit card. I still receive emails claiming that there is a balance due. I have resolved this issue with customer service several times, and each time I am assured that the account is closed and there is no balance due. However, the following month, I receive another notification that there is a balance due.
Product: Checking or savings account

My partner and I were traveling in XXXX. On XXXX XXXX we were XXXX  and robbed in our Hotel Room. Numerous items were stolen, including my phone, watch, wallet along with credit and debit cards, NYS Drivers License, etc. While XXXX XXXX XXXX of whatever XXXX  they slipped us, they managed to figure out my pin number. We were knocked out asleep for 14 hours from whatever was given to us. Once we came through we woke up very drowsy and noticed the missing items. We called the police and were sent in an ambulance to a nearby hospital. We called all our bank cards to report the stolen items. JP Morgan Chase mentioned that there were debit transactions, I told them they were not authorized. We also filed a police report, which we provided to JP Morgan Chase. I was told the transactions were considered authorized due to the thief using my pin number, even with the proof of a police report.
Product: Credit reporting or other personal consumer reports

The XXXX states wide and International listed fraud as identification scam 's imposters and business identification population imposters Frauding my dead great grandmother documents of XXXX XXXX XXXX who full identity was XXXX XXXX XXXX XXXX, her husband of XXXX XXXX also had a Sir name before immigration to the XXXX of Sir name XXXX. 

She was born on XXXX, died on XXXX The XXXX states wide/and international/listed my grandmother and grandfather information as business permits frauding a property property grave and serial numbered corners record of my great grandmother. 

My great grandmother only had XXXX daughter of my grandmother of XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX There fraud isn't authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXXXXXX 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

I attempted to contact Equifax due TO the DATA BREACH and dispute and remove information that does not belong to me and is adversely affecting my financial standing. I provided the necessary details and documentation to support my claim, emphasizing that the information was inaccurate and not associated with my accounts or activities. Despite my efforts to resolve the matter promptly and in good faith, I have not received any acknowledgment or response from Equifax, leaving the issue unresolved and continuing to impact me unfairly. ( 15 USC 1681i and 15 USC 1681b. )
Product: Credit reporting, credit repair services, or other personal consumer reports

See attatched Credit Report of EQUIFAX from XXXX Date Reported XX/XX/XXXX INCORRECTLY Account XXXX ( XXXX ) .DATE CLOSED XX/XX/XXXX SOLD??? XXXX BALANCE * THIS IS NOT MY ACCOUNT PER MY RECORDS AND??? IT POPPED BACK OPEN FIVE ( 5 ) YEARS LATER??? See attatched XXXX Account XXXX XXXX XXXX XXXX POPPED BACK OPEN??? STATEMENT XX/XX/XXXX XXXX {$100.00}. REMOVE THIS IMMEADETLY. PROVIDE ORIGINAL WRITTEN SIGNATURE VERIFYING THIS DEBT. XXXX OPENS ACCOUNTS I DID NOT AUTHORIZE.
Product: Checking or savings account

My paycheck in the amount of {$1600.00} was sent to Capital One on XXXX, XX/XX/2025, from my place of employment to be direct deposited into my XXXX checking account. I have the pay stub from my employers to prove the date and time sent. Capital One still has not deposited the funds into my account as of XXXX on XXXX, XX/XX/2025 despite being in possession of the funds from my check for over XXXX hours. I am also unable to use my checking account at all. Transactions are being denied and payments not going through as if the account is frozen. 

When contacting customer service, they either hang up the phone or it is impossible to get through to a representative, even after waiting on hold for almost XXXX hours. 

The company issued XXXX vague email at XXXX on Thursday, XX/XX/2025 stating that the problem would be fixed by the morning of XXXX, XX/XX/2025. This has not been the case, and I am still missing my direct deposit. 

Capital One has not shown any attempt at a speedy resolution. Nor have they attempted to reimburse for the missing funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all three Credit bureaus and they have Ignored my verified clams and are unlawfully and illegally reporting fraudulent accounts and information on my credit profile. 

Names Fraudulently XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Addresses Fraudulently listed XXXX XXXX XXXX  XXXX  XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XX/XX/XXXX DEPT OF ED/XXXX  - XXXX - {$7400.00} DEPT OF ED/XXXX  - XXXX - {$4800.00} XXXX  XXXX - {$850.00} US DEP ED - XXXX - {$5500.00} US DEP ED - XXXX - {$7000.00} US DEP ED - XXXX - {$970.00} US DEP ED - XXXX - {$640.00} US DEP ED XXXX XXXX - {$1500.00} XXXX XXXX  XXXX  XXXX  XXXX XXXX - {$600.00} ( Original Creditor : XXXX  XXXX  ) - XXXX - {$6300.00} XXXX XXXX - XXXX - {$410.00} XXXX XXXX  XXXX - XXXX - {$700.00} XXXX XXXX - XXXX - {$3700.00} XXXX  XXXX XXXX XXXX {$8700.00} unauthorized Inqiures XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED 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 card

In XX/XX/XXXX I was solicited and enticed by Capital One to apply for the Spark 2 % Cash Plus card which advertized a " {$2000.00} reward bonus when you spend {$30000.00} in the first 3 months. ". I applied, was approved, and began using the card on XX/XX/XXXX. Between XX/XX/XXXX - XX/XX/XXXX I spent over {$60000.00}. No bonus reward was ever paid. Capital One does not provide an email contact, so on or about XX/XX/XXXX I called customer service and was told there was a " long delay '' in reward inquiries. The representative could not provide any information but that the reward payout would be reviewed. I never received any email or other response to my inquiry. Capital One does not provide any information on their website or app or any way to inquire about reward issues.
Product: Credit reporting or other personal consumer reports

Experian closed his complaint with the longest explanation that addressed ABSOLUTELY NOTHING AND EXPLAINED ABSOLUTELY NOTHING
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute Statement : Case # XXXX ( Trans Union ) Case # XXXX ( XXXX Report ) Since I refinance my Auto loan to XXXX, I NEVER missed payment, with the only exception of my NINE days lateness on XX/XX/XXXX ( which is because my payday moved from XXXX to XXXX ). I always pay on XXXX or latest on last day XXXX of each month. 
In my end the past six-months payment history goes like this : th 1.  XX/XX/XXXX, $ XXXX th 2. XX/XX/XXXX, $ XXXX th 3. XXXX, $ XXXX th 4. XX/XX/XXXX, $ XXXX th 5. XX/XX/XXXX, {$320.00} XXXX th 6. XX/XX/XXXX, $ XXXX XXXX Payment made at XXXX bank cashier. ** Payment made by bank transfer. 
The two payments I made on bank cashiers erroneously goes to the principal payment rather than the monthly payment and incur me additional {$30.00} fee. First, they keep saying you didnt pay yourXX/XX/2020monthly payment which I did, and I proofed them by showing the difference between the begging and ending balance of my loan. They promised me they will reevaluate and will do adjustments including the {$30.00} fee, rather they report it to consumer. The same scenario happened for XX/XX/2020. 
Before that I used to have a debit account with them and they automatically tool money from that account until XXXX or XX/XX/2020. Usually I drop money on that account through ATM before my last day of payment. But on XX/XX/2020, due to Covid-19 I couldnt find a working ATM and I made payment at the cashier for the first time. I try explained this situation to the guy called me for late payment he understands and accept it & he told me he will made adjustment ( i.e. to apply the payment I made to principal to monthly payment ) and waived me {$30.00} NSF. I told him I want to keep payment this way sometimes, he told me it is okay but noted me to tell the cashiers I am making the monthly payment & I did that all the time when I made payment at the bank cashiers. 

After I proof them I didn't miss any payment over the phone the promised to make adjustment but I ask the took fix the their credit bureau report. But they recommend me to to dispute through the credit report agencies I heard the deliquesce report. ( I spoke with XXXX credit department representative XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Repport there are many errors in my credit score that are almost 100 points in less than a month that lowered what it has cost me so much work to upload. there are 100 or more points of my score in my report, I am up to date with my payments, I have paid some in full and my credit score has improved. Here I am attaching documents so that you can check it and repair my score because it has already been several times in less than a month and a half to download a lot and I request that it be repaired, since they will not update their data and in the meantime I keep losing and downloading every day my score and my credit. Thank you.. Equifax. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX snn. XXXX
Product: Checking or savings account

On XXXX XXXX I had got a message on XXXX from a friend that I know and trusted asking if I wanted to make some extra cash? I said yeah I am, and I did not know his Instagram account was hacked and it was the scammer that was contacting me with his account. Told me he did an investment with this guy on XXXX, gave me his name and to message him and told me that this guy will explain it all. I fell for it because I thought my friend was messaging me and knew my friend would not lie about something like that. I got in contact with the person that was saying he was investing with binary trading. Told me he could flip the cash into more and I would just pay him a percentage out of it. I even talked to him over the phone on XXXX, I sent {$1000.00} through XXXX and waited, then there was nothing deposited yet, he then messaged me saying a XXXX irs fee that will be refunded, and I told him I didnt have that much that I only had {$400.00}. He told me to send the {$400.00} and XXXX help with the other {$300.00} since Im a first time customer. But I sent the {$400.00} to a different name and a different XXXX  account. And he kept telling me to wait a sec and I was waiting. He then told me to go to my settings and to change my email address and I did not know what I was doing and he got into my XXXX account and logged me out and I tried to get back in and he had already changed my password and phone number and email address that was associated with my XXXX account. I can no longer get into my XXXX account, and the scammer is now using my account to message my friends on XXXX and trying to scam them as well. As soon as I was logged out of my account I knew I was scammed and I immediately contacted my bank and told them what had happened and they filed a claim for me and today XXXX XXXX I called the bank to check on the status of the claim and told me that my claim was closed due to me making an authorized payment through XXXX. I asked my bank what I would need to do now but told me there was nothing I could do that my claim was closed and that I was not gon na get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX Balance : {$6900.00} ; XXXX  XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$55000.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXXXXXX Balance : {$6100.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding inaccurate and inconsistent reporting of a collection account from XXXX, which has been placed on my credit report by TransUnion, XXXX, and XXXX. Below are the specific details of the account, along with the identified discrepancies. 

Account Information : Account Number : XXXX Original Creditor : XXXX XXXX Owed : {$270.00} Creditor Type : Collection services/ Other Collection Agencies Date Opened : XX/XX/year> Date Closed : Conflicting information ( XX/XX/year> in TransUnion XXXX XX/XX/year> in XXXX, XX/XX/year> in XXXX XXXX Payment Status : Seriously past due/ assigned to collection agency Dispute Status : Account not disputed ( despite attempts to dispute with all three bureaus ) Inaccuracies Across Credit Bureaus : Conflicting Dates of Last Activity : TransUnion reports the last activity on XX/XX/year>, while XXXX XXXX XX/XX/year>. XXXX incorrectly lists the last activity as XX/XX/year>, which is in the future and clearly an error. 
These inconsistencies raise questions about the accuracy of reporting and the legitimacy of the account 's status on each report. 
Inconsistent Closing Dates : TransUnion lists the closed date as XX/XX/year>, while XXXX shows the account closed on XX/XX/year>, and XXXX lists XX/XX/year>, which is not only inconsistent but also in the future, making it factually impossible. 
Inconsistent Payment Status : TransUnion lists the status as " Seriously past due/ assigned to attorney, collection agency, or credit grantor 's internal collection department. '' XXXX and XXXX simply mark the payment status as " Unpaid, '' which is inconsistent with the more severe description on TransUnion. 
Unreported Two-Year Payment History : None of the bureaus are reporting a payment history for this account, which raises doubts about the completeness of the information reported. 
Dispute Status Error : Despite my efforts to dispute this account, all three credit bureaus have listed the account as " not disputed. '' This misrepresentation undermines my right under the Fair Credit Reporting Act ( FCRA ) to challenge inaccurate or outdated information. 

I have made multiple attempts to dispute this account directly with the credit bureaus, but no corrective actions have been taken. If these inaccuracies are not immediately resolved and the negative item removed, I intend to pursue legal action to enforce my rights under the FCRA. 

I request that the CFPB take immediate action to investigate these inaccuracies and ensure that my credit report is corrected promptly. I have attached supporting documents, including copies of my credit reports from all three bureaus and evidence of prior disputes, to assist with your investigation. 

Thank you for your attention to this matter. I trust that this will be resolved swiftly.
Product: Checking or savings account

I am filing a complaint against chime due to the fact that on XX/XX/year> someone took it upon themselves to charge over XXXX dollars on my account on the sites XXXX, XXXX XXXX, and XXXX XXXX. After submitting a written statement and police report they denied my claim. I filed 2 rebuttals and they denied those as well stati g they need more information. I don't get it because I have submitted everything humanly possible they just don't want to do their job and I'm sick of it. It's funny how I filed a dispute with my other bank card that was affected and I won with no issues. But chime refuses to even investigate the issue or contact the companies in question. I'm a single mother of XXXX kids XXXX of which is XXXX I just want my money back and I want chime to be called out for their lazy behavior regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting false information in my credit report and say it has been certified, and refuse to show what proof they have ( XXXX loan late which I have never had with this bank )
Product: Mortgage

Please note letter to Wells Fargo employee in XXXX, SD on a XX/XX/19 request to curtail WF overnighting XXXX notifications that are meaningless. Letter to XXXX states the obvious that WF is  continuing to lie as there never was any phone call to my person by his boss not to employ their people for customer service or even enter their bank due to their fraudulent acts. This shows WF 's lack of interest in real customer service and is evidence of their deception and lies. Please note enclosed letter as evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not enrolled in XXXX XXXX XXXX ( XXXX XXXX XXXX - only reporting to XXXX and Transunion ) at the time of this accounts reporting nor did I have a balance when I left. It has been disputed, I have asked for validation and removal to no avail. I disputed in XX/XX/XXXX ( responded in XX/XX/XXXX ), XX/XX/XXXX ( responded in XX/XX/XXXX ) and XX/XX/XXXX ( responded in XX/XX/XXXX ) and this account is still reporting. I have also contacted both bureaus multiple times and they continue to report without sending me the information requested in my letters to receive. I have also called on XX/XX/XXXX and XX/XX/XXXX. The dates reflecting that the account was opened are XX/XX/XXXX. The amount is {$1300.00}. I have included the original XX/XX/XXXX dispute as they do not contain my signature. I can provide the credit bureau letters if needed that I wrote out recently for correspondence with them, however, I prefer not to provide anything with my signature to " original creditors '' as to limit fraud. 

Other accounts disputed with the same details and timeframe as above : - XXXX - ( received different information and all inaccurate - all 3 bureaus ) - XXXX XXXX XXXX - {$660.00} ( I have only had ONE account with XXXX and the account was closed and paid in full - this is FRAUD. I have supplied the final bill to both collection and all 3 credit bureaus and they refuse to remove.