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

Early Warning Services are conducting reports based on false information and are claiming exempt status of other entities from complying with the ethics law, ( Fair Credit Reporting Act ) This entity mentioned above is creating false reports and accounts attached to my social security number and other parts of identity bestowed upon me by the United States Federal Government
Product: Credit reporting or other personal consumer reports

I am disputing the reporting of a XXXX XXXX XXXX on my credit report. The details of the bankruptcy are as follows : Date Filed : XXXX Court Name : U.S. XXXX XXXX  Reference Number : XXXX Type : XXXX XXXX XXXX  Status : Discharged I understand that a bankruptcy is part of my financial history, but I believe the reporting may be negatively impacting my credit score in an inaccurate manner. I am seeking clarification on how the bankruptcy is being reflected in my credit report and its impact on my credit score.

Additionally, I am requesting that the bankruptcy be accurately reflected as discharged, indicating that the debt was discharged, and I have completed the bankruptcy process.
Product: Debt collection

I received two letters from my credit card companies advising they were reducing my credit limits because of a collection notice on my credit report. Both cards were reduced significantly as a result - one went from {$6000.00} to {$200.00} and the other {$5500.00} to {$600.00}. 


That was the first time I heard of this collection so I looked at my credit report and there was a collection from Amsher Collection Services. After some research, I found out they were collecting on behalf of XXXX. This company has never reached out to me as required by telephone, mail or electronic communication before placing this account for collections which means they improperly reported a debt to a credit reporting company without meeting their obligations under the Fair Debt Collection Practices Act ( FDCPA ). 


Also, the amount they are reporting is inaccurate. The amount that XXXX provided via my last bill doesn't align with what they are saying I owe.I paid the amount that was on the bill that XXXX provided ( {$590.00} ) on XX/XX/year>XXXX  and the company is now reporting I owe {$75.00}. I never received anything else after that bill from XXXX or this collection agency. 

I called XXXX XX/XX/year> at XXXX XXXX asking for a explanation of the balance and they advised it's not their balance but the collection agencies. They couldn't provide me a bill because they said they didn't charge me. The collection agency essentially changed the amount owed and did not take the necessary steps to make me aware of the debt before adding it to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dealership had towed the car back and working with XXXX  to paid off this car loan. I had not received any statement during the lawsuit. Please remove this late payment mark. The car will paid off right now, XXXX reported the Experian that the payment was late 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate address posted on credit report, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Az XXXX. 
I no longer live at the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act : XXXX  account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX  account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

the account XXXX XXXX, XXXX   XXXX s reported as duplicate on my Equifax and XXXX credit report. They are reporting it but XXXX did not, why?? My student loan holder granted forbearance, payments were reduced and it is not for collection. It shouldn't appear on my credit report in the first place because this is a government funded loan. Please remove it on my credit report
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, TransUnion, and XXXX XXXX  for failing to correct inaccurate and unverified information on my credit report, despite multiple disputes sent via certified mail. Equifax has refused to remove an unverified bankruptcy, while TransUnion has only partially removed it without proper verification. XXXX XXXX  is falsely reporting an account under my legal married name, XXXX XXXX XXXX, when it was never opened under this name, making their reporting fraudulent. None of these entities have provided legally valid proof to support their reporting, violating 15 USC 1681i ( a ) ( 5 ) ( A ) and 15 USC 1681s-2 ( a ) ( 1 ) ( A ). I demand immediate intervention to have these inaccuracies removed as they are causing financial harm
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX Routing number XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account 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  don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Early Warnings Consumer report immediately! I've attached a copy of the report to this request Thank you for your assistance. 
Sincerely. 
XXXX XXXX
Product: Debt collection

I recently discovered a fraudulent collection account on my credit report from Jefferson Capital Systems for {$1300.00}, which has significantly lowered my credit score. This account does not belong to me. My personal information was illegally sold from XXXX to this company without my consent. 

I have disputed this account multiple times with the collection agency, credit bureaus, and XXXX XXXX themselves, yet it keeps being marked as verified and updated without any proof that the debt is mine. I have never received any prior notice or communication from this company regarding this debt, violating my rights of the Fair Credit Reporting Act. 

I am requesting that this company provide documented proof that this debt is legitimately mine. If they can not provide such proof, I demand that this collection account be removed immediately from my credit report.

This fraudulent collection is preventing me from securing housing, as I plan to apply for an apartment in four months. I request the CFPBs assistance in ensuring this matter is resolved fairly and in compliance with the Fair Debt Collection Practices Act ( FDCPA ). 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

XXXX XX/XX/2023 Equifax XXXX XXXX XXXXXX/XX/2023 Equifax XXXX BANK XX/XX/2023 Equifax XXXX XXXX XX/XX/2023 Equifax XXXX XXXX CARD XXXX XX/XX/2023 Equifax 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 XXXX  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: Checking or savings account

On XX/XX/year>2025, I received an alert from my credit monitoring service that a bank account had been opened at Bank of America. I do not have any legitimate accounts at Bank of America, so this was a fraudulent account opened under my identity. I quickly called Bank of America on XX/XX/scrub> 2025 to close the account. The person who I talked to was very inexperienced with this situation, and I spent over XXXX hours on the phone with them to submit the fraud investigation request. They gave me a case ID of XXXX for the request. 

I subsequently received a letter in the postal mail saying, we've canceled your claim as you requested. The letter was dated XX/XX/year>2025, with Claim number of XXXX, for an amount of {$100.00}, for account ending in XXXX. So I called Bank of America again to ask them about this, as I thought the perpetrator may have called in to cancel my account close request. The workers at Bank of America I talked to during this call indicated that the account was indeed frozen, and that they were still investigating the situation. 

I have not received any additional info from Bank of America regarding this fraudulent account opened under my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XX/XX/2023 I made several calls to XXXX, XXXX, and TransUnion Consumer Solutions reporting agencies, to inform them that my consumer report had inaccurate information on them. Names, addreses, phone numbers, and employers are inaccurate which have been reported without my consent nor to my knowledge.
Product: Credit reporting or other personal consumer reports

I reviewed my new credit report and i saw information which i believe, doesn't belong to me, it negatevely affects my credit score, so i am writing to dispute inquiries 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 these inquiries are not related to any transactions I have made!! This indicates potential identity theft. After a thorough review, I believe that there has been a misunderstanding or error concerning this matter
Product: Checking or savings account

{$36.00} XX/XX/2023 {$200.00} XX/XX/2023 I have been back and forth with Robinhood since the transactions took place. I have a multitude of corespondents between myself and Robinhood that provides all the information that they have request. Over 20 email. XXXX ( the merchant that the transactions was with ) has also sent proven documents showing they, yes indeed refunded the money back to Robinhood. 
However Robinhood has yet to refund the money back to me. 
Please let me know what else you may need, I have saved all communication along with screenshots of convos. 
Thank you, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I sent this email on XX/XX/XXXX XXXX Arvest Mortgage Team, I have few questions : XXXX ) How much did XXXX transfer towards my Escrow Account XXXX ) Give me my Escrow Account statement from start till date XXXX ) Given that my Property Tax is significantly lower, what does the law require you to do with the surplus? 
XXXX ) Have you followed the law while retaining surplus and not refunding the balance? If not, why? 
XXXX ) I have not been notified of any changes in my escrow payments/schedule/refund with interest. Why? 

Please reply in writing on each and every point and provide Escrow statement as requested. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX
Product: Debt collection

In XXXX of 2022, I noticed a debt from Columbia Debt Recovery of {$420.00} on my credit report. Upon investigating this debt, I found that it was done for an apartment rental property application in XXXX, Georgia. However, I am not a resident of Georgia, nor have I filled out such applications to move there. This is a fraudulent activity done using my personal information. During this time, I also received a letter in the mail as lost and found which was a fake drivers license under my name, using my personal information but had someone elses picture to it. This shows that someone has been using this fake ID to make purchases under my name. I have attached the fake ID to this form for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I filed for a validation of debt with the credit bureau 's XXXX, and Transunion. As well as the Collection Agency XXXX XXXX XXXX for collections on my credit report. 

I received papers in the mail from XXXX XXXX XXXX who sent me details of a Medical Bill, but not a Validation. This is not acceptable and is a HIPPA violation, as I have never signed a release for medical records with them. 

I am requesting this account be blocked and deleted from my credit Report XXXX XXXX XXXX {$290.00} ( Transunion, XXXX ) Thank You, XXXX ' XXXX
Product: Mortgage

I am trying to save my house and I have a housing counselor who is helping me through this process. I have submitted a third party authorization in their portal and they continue to advise that they are not getting my documents. How can they not receive documents in their own customer service portal. I don't want to lose my home and I just need help to get a proper review!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I used to live at XXXX XXXX XXXX XXXX XXXX XXXX, md XX/XX/XXXX, XX/XX/XXXX I moved out on XX/XX/XXXX to live with my family after this time I went to rent my own apartment because I got married, they declined my application because I have report from financial management solutions phone number # XXXX/XXXX, I called them and I asked them to give me explanation why I owe XXXX the representative he is name gamble if am not spilling wrong he said you didn't pay rent for month of XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX, I told him if I have approve I payed for this months, he said doesn't mean you have receipt show the month that mean you payed for the same month may be you payed for month before, i told him what I know when you rent appartment you on advance for the month or you going to move out by XXXX or XXXX by court order he said they didn't have enough time to get court order I told since XX/XX/XXXX to XX/XX/XXXX the time I give note of leaving 4 month they didn't have time to file this dose n't make since to me, and I asked him for payments history report he asked me for mail address I said I don't have one but I have e mail you can send through my email he said he didn't have time to send 15 sheets by email .all through this conversation he try send me message like you have only one option just pay that money
Product: Credit reporting or other personal consumer reports

I am writing this letter as a natural person to request the removal of a XXXX late payment from my consumer reports or the deletion of the account from XXXX XXXX XXXX XXXX accordance with my rights under 15 U.S. Code 1681a. 

On XX/XX/2024, I traded in a vehicle at a car dealership. However, unbeknownst to me, the dealership failed to pay off the trade-in at that time. As a result, there was a reported 30-day late payment on my credit report. I would like to emphasize that this late payment was not a result of my failure to make a payment on time, but rather a consequence of the dealership 's failure to fulfill their obligations.

I have diligently worked to maintain a good credit rating and have since paid off my account with XXXX XXXX in full. It is unfair and unjust for my credit rating to suffer due to circumstances beyond my control. I believe that it is the responsibility of data furnishers, such as XXXX XXXX, to accurately report information that reflects the consumer 's creditworthiness. 

I kindly request that the XXXX late payment be removed from my credit reports or that the account with XXXX XXXX be deleted to rectify this inaccurate reporting. I appreciate your attention to this matter and thank you for your assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

This is a list of all hard inquires that are reporting to my XXXX, XXXX, and Equifax which is in violation of my privacy rights under the Privacy Rights Act of 1974, 15 USC 1681 permissible purposes, also 15 USC 6802 and 15 USC 6805 disclosing of personal information. The companies stated below and also XXXX, Equifax, and XXXX all broke the law and need to be held accountable for their illegal and unlawful actions. None of the companies listed below were given written consent by me to obtain my information or disclose it. I have attached my credit report as proof of discrepancy on my credit file, all three credit bureaus are reporting different information, some are reporting specific hard inquires and the others reporting the other ones which is in violation of 15 USC 1681, inaccurate reporting on my credit file, the reporting are not matching up and every hard inquiry needs to be removed immediately as they each are subject to {$1000.00} fine per each violation. I have did my due diligence of complying with the law and filing an identity theft report with the irs that has been filed which I have attached a copy of that document as well. 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

The month stated that I was late is not true. I paid the account on time until I was able to fully paid them. It is not closed/late. I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud.. XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX ( reported twice on Equifax credit report )
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE NOTE THE LAST FOUR OF MY SSN IS XXXX. I WAS UNABLE TO LEAVE THIS IN THE SPACE PROVIDED LATER IN THIS FORM ( ON THE FOLLOWING PAGE : PROBABLY DUE TO A COMPUTER GLITCH. PLEASE INCLUDE THIS IN MY REPORT TO THE CREDIT BUREAUS I have tried contacting all 3 major credit bureaus. I wish to dispute all the credit inquiries for the month of XX/XX/2022. I was told repeatedly by ALL the bureaus phone reps, and mutiple sales reps that I could get quotes for car shopping etc without it harming my credit. It did indeed harm my credit and drastically so for that matter. I was not wanting or aware of what I was supposedly consenting to. I thought the dealerships were basically going to do a soft credit pull. I wasn't aware that we going to submit in such a way that I would end up with over 40 hard credit pulls!

I spoke with a sales consultant that explained often most dealerships do not care and will essentially tell the customer whatever they want to hear. I feel that I was sincerely mislead. I have tried calling and submitting dispute online. The credit agencies have very POORLY trained employees, seemingly. They have also informed me several times that shopping around for a car ( so long as it's with the same time span ie 2 weeks, won't ding my credit ) my score dropped XXXX points solely because of this. 

I am a XXXX veteran with head injuries and other XXXX ratings. I really don't appreciate what feels like happened. This seems and feels a bit reckless what happened. The dealerships could and should have better explained themselves. This credit bureaus also gave me false information. Insult to injury the actually seem almost hell-bent on not helping to resolve these matters. 

It seems credit monitoring via their sites and credit lock services are a cash cow for them. I think they are purposely making things more difficult and not being through with their investigations. Even though it's a multiXXXX dollar industry, it seems that greed is still blinding ( at least some of the employees ) supervisors are people in the legal departments where very difficult to reach. 

The one person I was transferred to who was supposedly from the legal department seemed VERY ignorant on what all the FCRA laws were and didn't seem to really care at all and didn't seem interested to hear an explanation of the code and statues I was trying to site. 

There have been several other serious inaccuracies on my report. They are also not conducting proper and through investigations as per my request. For example XXXX details given about who they independently re-verfied with, the information in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

This debt is not mine and they refuse to take it off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND EQUIFAX HAS VIOLATED MY CONSUMER RIGHTS PURSUANT TO THE FAIR DEBT COLLECTION PRACTICE ACT. HIPAA AND THE PRIVACY ACT BY ALLOWING XXXX XXXX  TO BE PLACED ON MY CONSUMER REPORT WITHOUT INVESTIGATION. I XXXX XXXX HAS NEVER DID ANY BUSINESS WITH XXXX XXXX, NEVER SIGNED ANY AGREEMENTS OR CONTRACT. YET XXXX AND EQUIFAX PLACED A COLLECTION ON CONSUMER REPORT. I NEVER RECEIVED LETTERS OR PHONE CALLS STATING THAT I OWE A DEBT.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA 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. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>