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

This is my first 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$8200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX {$790.00} XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$8200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$790.00} ( Original Creditor : XXXX ) XXXX Balance : {$330.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX Balance : {$950.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX Original XXXX : XXXX XXXX ) XXXX Balance : {$480.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX
Product: Mortgage

Ditech / Greentree has held my mortgage for many years. XXXX XXXX, 2016 I received a report indicating that my escrow account was {$1500.00} + short and they were raising my monthly payment by {$100.00} to cover. This includes a " at their discretion '' {$500.00} + cushion. 
I understand insurance and tax rates increase but {$1000.00} in a year seems unlikely. Also since they have been managing the account they should have already established those balances last year and not come up short mid year. Why the sudden jump? It 's either mismanagement or just plain stealing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts I am disputing are in my credit report they do not belong to me I have disputed these many times with the bureaus as well as the furnishers I have opened an FTC for these accounts and have a notarized affidavit for these accounts that are not mine and yet no one is sending me anything back or removing these from my credit. Why do I have to pay for someone elses doing. These accounts are causing me great grief and no one is helping with Identity theft. My next step is to file a police report and have all these companies and accounts investigated. 

XXXX XXXXXXXX XXXX - Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$11000.00} Opened XX/XX/XXXX DISCOVER FIN SVCS XXXX - Acct # XXXX Amt {$19000.00} Opened XX/XX/XXXX XXXX XXXX -Acct # XXXX Amt {$11000.00} Opened XX/XX/XXXX DISCOVER BANK- Acct # XXXX Amt {$5500.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$5500.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX -Acct # XXXX Amt {$6200.00} Opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On 2 previous occasions, I have tried to get Experian Credit bureau to report accurate information on their credit reports regarding my name and address. This will be the third and last attempt for them to get it right. Experian has a negative history reported on the Internet regarding falsely reporting of consumer credit report information and I do not want to be their next victim.

I want them to remove past residence addresses, phone numbers etc. Since I don't live at these addresses anymore the USPS can not deliver that mail to me. And they are not reportable as per the FCRA. Since they are inaccurate. Enclosing information. Also both XXXX and XXXX have received information from a creditor regarding a negative dispute date for FCRA required removal of a specific item. Both XXXX and XXXX have removed this negative item from their reports, Experian acts like it doesn't exist. It The item has yet to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 16th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4700.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account XXXX : XXXX XXXX Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I came to CFPB on XX/XX/21 to mandate that I am monetary compensated due to experian abusing its power and ignoring my rights. I never requested that they reinvestigate my Claims and they have opened a dispute regarding Complaint XXXX. I demand that they delete all the information and compensate me immediately. They are also reporting a bogus address which I have asked multiple times to remove
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing to file a complaint regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by the XXXXhree major credit reporting agencies, XXXX, XXXX, and TransUnion. The specific violations of the FCRA include : Right to Privacy ( 15 USC 1681 Section 602 ) : The actions of XXXX, XXXX, and TransUnion have infringed upon my right to privacy as outlined in the FCRA. They have mishandled and disclosed my personal credit account information without proper authorization. 

Consumer Reporting Agency Obligation ( 15 USC 1681 Section 604 ( a ) ( 2 ) ) : Pursuant to 15 USC 1681 Section 604 ( a ) ( 2 ), XXXX, XXXX, and TransUnion, as consumer reporting agencies, have furnished account information without obtaining my written instructions. This action is in direct violation of my rights under the FCRA. 

Definition of Consumer Report ( 15 USC 1681a ) : The credit reports provided by XXXX, XXXX, and TransUnion do not fall within the definition of a consumer report as outlined in 15 USC 1681a. The reports contain information solely regarding transactions or experiences between myself and the entities making the reports and should not be classified as consumer reports subject to reporting and disclosure. 

Treatment of Payments on Credit Card Accounts ( 15 USC 1666B ) : The credit reporting agencies, XXXX, XXXX, and TransUnion, have inaccurately treated payments on my credit card accounts as late, which is prohibited under 15 USC 1666B. This treatment is in violation of the specific provisions outlined in the FCRA.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I paid XXXX XXXX XXXX {$260.00} through PayPal to complete a business research analysis for me. XXXX   turned out to be a fraudulent company that advertises themselves as a company that employees XXXX XXXX XXXX to assist in XXXX level writing and XXXX work. Here is their website XXXX XXXX XXXX  I informed PayPal of the fraud within a few hours and PayPal stated they would contact the company. PayPal opened a dispute claim and yesterday denied the claim. PayPal should refund my money as XXXX XXXX XXXX is clearly a fraudulent business yet Paypal continues to allow the company to use their service. I also contacted XXXX XXXX XXXX who told me they would refund my money if I stopped my dispute with PayPal. I forwarded that message to PayPal who confirmed that if I canceled my dispute that a refund would be impossible. Another attempt by XXXX XXXX XXXX to defraud me. I respectfully request that you research this issue and compel PayPal to issue my refund and to also compel them to cease allowing XXXX XXXX XXXX to use the PayPal platform to defraud anyone else. Thank you.
Product: Credit card

Citibank made an unauthorized debit from my bank account in the amount of over {$9000.00}. Records show that I make payments of amounts under {$20.00} per day, and have never authorized a payment that exceeds the amount in my bank account. Citibank reps said their records showed that I had authorized it via my mobile app. Turns out, Citibank has access to my account and can make activity logs look like I authorized the payments ( most centralized banks do ). 

Citibank decided to abuse these privileges of being a centralized bank and debit money from my bank account such that it went down to XXXX dollars and went into thousands of dollars of overdraft. Thankfully my bank XXXX XXXX did not immediately release the payment to Citibank, and I was able to request a stop payment in time. XXXX XXXX also approved of my claim that the amount was not authorized by me because they saw the consistent daily payments to Citibank in the amounts of under {$20.00} per day, which didn't match the behavior of authorizing a payment of $ XXXX that would set my account to XXXX dollars and into overdraft. 

Per XXXX XXXX, Citibank 's actions constitute fraudulent unauthorized access and payment request, and the public should know about it. No bank is perfect, but at least XXXX XXXX was more organized and quick in its handling of the situation and restored my bank account by returning the funds back to my account. Citibank 's representatives are also badly trained to not care about the customer. Some of them do not transfer to the correct department and are very lazy and unethical, which is reflective of high up management. 

Even with AI, the organization, security and ethics will get worse, and I can how Citibank and other banks too might become lazier and more despondent as the people who work there depend more and more on AI, thereby getting XXXX XXXX XXXX adding to the increased entropy of disorganization, dysfunction, and corruption -- all AI assisted. 

Dependence on technology and AI without considering security and access controls from the inside of the bank may very well be the cause of the downfall of Citibank. Citibank deserves their fate and its impending doom, as NY attorney general XXXX XXXX and the hundreds of thousands of customers who lost money ( and have not been made whole ) through Citibank 's data breach ( probably from lack of insider access control ) and people like myself who have experienced unauthorized activity from Citibank itself are all aware that Citibank is the most unethical big bank of them all. Citibank is set to blame itself and they are now receiving tenfold of payback of the amount of nastiness, corruption, greed, and abuse they have committed against customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA, facially false data being included on consumer reports in violation of section 607 ( b ). Bryant v. TRW, Inc Section 607 ( b ) of the FCRA provides that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. his company continues to make bad faith and erroneous reporting LATE PAYMENT HISTORY ON THE FOLLOWING ACCOUNTS XXXX XXXX XXXX WAS NEVER LATE XXXX XXXX XXXX ACCT- ACCOUNT WAS NEVER LATE XXXX XXXXXXXX - ACCOUNT WAS NEVER LATE
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Employers : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX Date Updated : XX/XX/XXXX
Product: Debt collection

In an attempt to verify debt collection on my credit reports I disputed the item on all three bureaus. The next day they contacted me harrassing me about the fact that I had disputed the debt.
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 : # DEPT OF EDXXXX Account number XXXX Account name : DEPT OF EDXXXX  Account number : XXXX Account name DEPT OF EDXXXX  Account number XXXX Account name DEPT OF EDXXXX Account number XXXX Account name DEPT OF EDXXXX  Account number XXXX Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number 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: Checking or savings account

Square Cash LLC locked my account and prevented me from taking funds out, stating that I needed to verify my identity and the transactions. I did so and my money was still placed on hold with no way to withdraw it, although I advised them that I needed my money for prescription medication. It would take about six hours for Square to deactivate my account without explanation and no way for me to transfer my funds out. I was then told that I had to wait 90 days to get my funds back. I explained that I needed the funds for my prescriptions and they will not release my funds.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the correction of inaccurate late payment data on my credit report. It is essential that these accounts are corrected to accurately reflect my payment history and that any errors are promptly rectified.

I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections.

I believe that you are required to conduct a sensible investigation into disputed items. I request that you look into these accounts promptly and make the essential corrections.

Please provide me with a written response acknowledging the receipt of this dispute letter and informing me of the actions you will take to rectify the inaccuracies on my credit report. I also request a free copy of my updated credit report once the corrections have been made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX a consumer Federally protected under the law have been violated. I've done my research and fully understand the law. Santander Comsumer USA has been reporting inaccurate information on a account. I am a consumer and know my rights and under 15 usc 1666b you have clearly violated me. I the consumer operate under a open end credit plan. There are 14 late payments reporting and each are a violation of {$1000.00} a piece under the FDCPA.
Product: Debt collection

XXXX  SELF LENDER XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX Has been sending me collection notices in the about The collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature
Product: Credit reporting or other personal consumer reports

Hey there, I have been grappling with correcting errors on my credit report for months now and it is exhausting. Maintaining a strong credit standing is crucial to me, yet these inaccuracies have significantly harmed my financial opportunities and emotional state. Unfortunately, my efforts to address these issues have been consistently overlooked, compounding the negative impact on both my personal life and creditworthiness.
Product: Credit reporting or other personal consumer reports

I have been trying to get Transunion to fix the Incorrect information removed from my reports. They have done absolutely nothing except tell me they do not believe it is me requesting the disputes. I have mailed them 3 times XXXX XXXX and XX/XX/ The accounts in question are as followed XXXX - The account has not been paid late and they are the only one reporting it. 
XXXX The account has not been paid late I have proof of all payments being made on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Jefferson Capital placed 5 derogatory accounts on my consumer report, I have asked for verification be sent to me however I never received any documents showing proof However Jefferson Capital took it among themselves to feel as is they could just place inaccurate accounts on my report.

According to 15 USC 1692a ( 2 ) the term communication means conveying of information regarding a debt directly or indirectly to any person through any medium. Any medium includes oral, written, electronic or any others which includes nonaffiliated third parties such as the 3 CRAs. 15 USC 6801 ( a ) states it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Be Advised that I have not given any Company consent to share my nonpublic personal information. This Company has not only infringed my rights to privacy but has violated multiple Federal Laws. XXXX allowed Jefferson Capital access to my consumer report without my permission, Jefferson Capital had no legal documentation allowing for them to give my personal information. Information obtained by aggravated identity theft is defiantly illegal. I have had ongoing problems with the 3 Credit Agencies not doing their job to properly verify accounts before placing them on reports. This has been reported and will remain being reported as SOMEONE IS BREAKING THE LAW. REMOVE ALL FALSE INFORMATION NOW, Jefferson Capital could not send verification to me proving these accounts where mine. They SAID ALL FALSE ACCOUNTS WOULD BE REMOVED, YET THAT HAS FAILED TO HAPPEN. Alot of illegal activity going on. Jefferson Capital still has not responded to the last Complaint. With that being said I'm requesting that the documents Jefferson Capital presented to XXXX be mailed to me along with information XXXX gathered that gave them the authority to give access to my personal information. I'll be looking for these documents in the mail along with an updated Credit Report. Again, I have not given anyone permission to share my personal information. I will have this looked into by Federal Authorities as it's clear that these accounts were placed on my report with extortionate means as a way to coerce and swindle me into paying debt that does not belong to me. You have damaged my credit. I will seek compensation for all of this.
Product: Credit card or prepaid card

I was approved for a Walmart credit card yesterday on XX/XX/2018 and they refuse to send out my credit card and told me that I have to go through another security verification and I just fax in my notarized documents and my id and they wanted me to do a phone number verification and I explain to them I only have one working number they said its not a good number and this credit card account is showing up on my credit reports as a active account and they refused to mail my card out to me
Product: Credit reporting

Hi. I have a student loan thru XXXX for {$7500.00}. Recently XXXX XXXX XXXX did a name change/update that now reports a student loan owing {$7500.00} to them in addition to the XXXX student loan. I contacted XXXX and they agreed that a single loan was being reported twice XXXX same balance, same acct #, different name ). They agreed to remove the XXXX loan. They did for one month and then it reappeared on my Transunion report. I contacted them again and they agreed. Same result, gone then back. Then I contacted Transunion and they did an investigation which resulted in Transunion deleting the duplicate loan. Then the following month is was back on. I just got off the phone with Transunion and they said they will start a dispute. I asked if I win what measures will Transunion take to make sure this stops. He said none. They are powerless to regulate what info appears on my report since it is only reporting the data, not generating the data. That is not acceptable. This has been going on since XXXX ...
Product: Credit reporting or other personal consumer reports

This is one of my NUMEROUS 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 accounts 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 accounts : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Please remove these accounts ASAP.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX - XX/XX/2025
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my Credit Report I noticed that there is still account that is reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the account needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXX XXXX  XXXX Balance : {$4800.00}.