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

After requesting an investigation to remove and revise false/outdated information. Checkr replied they would indeed revise my information regarding my driving license status, stating my license were valid. However, they never revise nor updated my info. They are all talk and no action. Terrible company with reflecting ethics.
Product: Debt collection

I contacted CENTRAL PORTFOLIO via phone and requested that they send all information regarding the debt with proof of my identification and signature and nothing was provided. I disputed the debt as it violates my rights and this is fraudulent I want it removed from my credit report immediately. Ive never been to XXXX XXXX I have XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Tried to obtain an auto loan and some credit accounts, and my credit was shopped around without my consent, I checked my credit and saw that I had 47 hard inquires that I didn't recognize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I have an automaic transfer that keeps getting taken out of my account that I can't undo online. Online tech support said I needed to call the bank directly to get it taken care of. I originally contacted Chase to cancel my automatic transfer on XX/XX/XXXX The transfer still happened again XX/XX/XXXX. So I called on XX/XX/2022 to find out why it still was taken out. And was transferred several dozens of times and on the phone for about 3 and a half hours to get it resolved. They gave me a ticket number that day of XXXX. 
The transfer happened again XX/XX/XXXX. So I called and they said the ticket was still open and nobody has resolved it yet. 
On XX/XX/XXXX the bank called me saying the ticket was resolved. But the transfer happened again today XX/XX/XXXX. 

I am currently 30 minutes into getting transferred back and fourth with Chase still without any hope for resolve.
Product: Credit card

I received a credit card and debit card for XXXX accounts that I didn't open. The company ( Chase ) close the checking account and credit card. They also sent written confirming information
Product: Credit reporting or other personal consumer reports

I was trying to close the transition, but this company refused and told me i was on some blacklist but failed to give me the list
Product: Credit reporting or other personal consumer reports

I am beyond frustrated to discover an unauthorized inquiry on my credit report this morning. I regularly check my report, and this unexpected discrepancy has left me completely unsettled. Even after refreshing my browser, the issue remained. I need this to be resolved immediately, and I demand a thorough review of my submitted documents so I never have to experience this again.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's action may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No, 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


These are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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, credit repair services, or other personal consumer reports

I submitted a dispute with XXXX  twice to request removal of a collection in the amount of XXXX involving a collection company ( Midwest Recovery System ) whose client is an online payday loan  company not licensed in the XXXX of Virginia. I do not recall in the last five years taking out a loan with this payday loan company ( XXXX XXXX XXXX ) and Midwest Recovery never sent me a notice that would allow me the opportunity to dispute the collection.
Product: Checking or savings account

Many weeks in a row my employer transfers my funds and for some reason my bank pretends like they dont have the funds and they always blame it on my employer although I have proof from my employer that they have transferred the funds and even provide me with a trace number. 

Multiple weeks in a row this happens and the funds are always multiple days late being deposited into my bank account. This is unacceptable and needs to be rectified
Product: Credit reporting or other personal consumer reports

My complaint centers on Advanced Resolution Services , Inc. reported inaccurate and private information, which has adversely affected my consumer report.

Your actions have caused profound personal and emotional harm to both my family and me, resulting in a distressing situation that has left us severely affected. They are in violation of the FAIR CREDIT REPORTING ACT ( FCRA ). 15 U.S.C.

1681b ( a ) ( 2 ) et seq.. knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so.
Product: Credit reporting or other personal consumer reports

Re : Failure to Enter Required Notice of Dispute Dear crpb pass this on to the CRA 's I am formally requesting that the following inaccurate information be removed for violation for the following : If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA providing notice of the dispute. Section 623 ( a ) ( 3 ).

Duties After Notice of Dispute from Consumer Reporting Agency A CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ) Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( b ) ( 1 ) ( C ) Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ).

Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ) Notice that I now have the right to seek legal action against you for " negligent and willful failure to reinvestigate the disputed entries in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o '' ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX. XXXX XXXX ) ; or XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ). 

I recently disputed the following inaccurate information with you and when I pulled my new credit report on the 31st day after you received my initial letter, this required notice of dispute was not present, and therefore, you are in violation of FCRA 623 ( a ) ( 3 ) and can not report this information.

I've included the most recent dispute reasons from my letter. Remove immediately : In touch credit union - deletion XXXX XXXXcorrection to be no late paymects I expect the removal of these accounts to be completed within 15 days, as well as the receipt of an updated credit report. 

Sincerely, XXXX XXXXXXXX XXXX 
You are required to delete this account by law within 15 days if you do not you are in willfull non compliance and I intend on pursuit legal terms to have this resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I submitted a dispute of a XXXX account. That account was not mine, didnt have my legal name and had my grandfathers address. Its a mixed file and I havent gotten a response from XXXX or TransUnion. TransUnion dropped my credit score below 650. Every time I file a complaint about a credit agent my scores sinks
Product: Credit card or prepaid card

My Sofi credit card was refused saying " Unable to verify Identity '' in the adverse letter attached. However, we made all disputes with XXXX  using the CFPB agency services and my identity details are now all complete and all perfectly accurate since a few weeks. I'm copying the latest XXXX  credit report showing this assertion. In addition all my good payments have been paid in full and are now correctly reported since the XXXX account opening in 2015 with XXXX past dues. Six full years of XXXX past due with all payments in time and a FICO of XXXX plus identity verified can not lead to a credit card refusal. There is something wrong that have to be corrected. This is not a fair treatment considering the facts and figures. Additionally the denial is too generic and does not allow to focus on any sort of remediation in case on a glitch between credit bureaus or the bank.
Product: Credit reporting or other personal consumer reports

I am currently the victim of Identity Theft. I'm contacting you because I believe a fraudulent account may have been created at Experian & it is impossible for me to contest or access the account. 

I've created accounts at both XXXX and XXXX, but it seems Experian already has an account w/ my information. When I try to change the login details, such as User/Name or password, it seems to be sending verification details to another person. 

After failing to get access or in touch w/ a specialist via phone, I sent a detailed emailed to their support contact : XXXX, but have not heard anything back. 

This identity theft has been a living nightmare since XXXX, involving law enforcement across 3 states. Please help me get in touch w/ Experian to gain access to the account and/or close any account that's currently in my name. 

My IdentityTheft.gov Reference Number is XXXX & would be happy to provide additional proof/ documents if you think it will help. 

To showcase the seriousness of this situation, I've attached a file detailing an interaction this fraudster had w/ a landlord in XXXX , TN. The Document also includes pictures of the individual and the car he apparently stole in Florida. 

XXXX
Product: Credit card

My complaint reason is that Citi bank closed my account. They approved me a card and then requested from me signed document. I sent them signed document on time, after that I called them and they told me that I just need to wait until they process it. Then I logged to my account and saw it is closed, despite me making minimum payments and sending document.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXXXX XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting.
Product: Mortgage

My name is XXXX XXXX XXXX and XXXX XXXX XXXX, We bought our first home in JXX/XX/XXXX. A year later our payment went from XXXX to XXXX. We struggled to get our payments because of how high our payments were. We went under loss mitigation and we were able to get back on track. We have been having problems with XXXX XXXX XXXX since we bought the house. Finally, my husband was offered a job in XXXX XXXX. We put our home for sale but could not sale before we left in XXXX, XXXX. We decided to take it off the market and we rented the house to a family that we new because they were in need. We found out that our tenants were dealing and doing drugs in our home and that was a violation of the agreement. We evicted them and they stopped paying and retaliated against us and vandalized and ruined our home. We were not able to make both our mortgage and our rent payment in XXXX. We started getting behind on our home in XXXX, so we put it back on the market so we could just try to sell our home as is, and as soon as possible. We tried to contact loan care about our situation but of course they did not care. Since we already did a loss mitigation we were not allowed to do another one, so we didn't know what else to do, soon after that we got a letter from a lawyer that we were needing to pay the back pay and pay the attorney fees. We could not pay, we tried contacting the Lawyers and they would not talk to us. We tried to give payments that but Loan care declined our payments. They wanted the whole amount but we could not afford to pay the whole XXXX at once, and we could not afford a Lawyer so we were on our own and we did not know what to do so we prayed that we would find a buyer before we went into foreclosure. Than, we had a buyer but our airconditioner broke and we did not have XXXX to get that replaced so the buyer backed out. We were devastated, a few weeks went by and we kept trying to contact the mortgage company but we could not get any help from them. Finally we saw hope, we had an XXXX Investor that was going to pay what we owed plus the Lawyers fees and they were gon na have someone rent the home, but the payment was so high that they decided not to go ahead with the deal. We had till XX/XX/XXXX and since we were out of time and they would not talk to us, we lost our home. No notice or even a chance to try to short sale. Within this time of foreclosure, struggling financially. My wife lost her job and we ended up losing our home and I am a XXXX and in the XXXX XXXX of the United States and I work in a high security job with a security clearance and now I am in jeopardy of losing my job. I can't believe that being a veteran and giving my whole life to the United States that my family and I could be treated this way. I tried to seek help multiple times from this Mortgage company but would not help us in any way. I am not sure that there is really nothing I could do since we have already lost our home but I am just wanting to seek some kind of help in filing a suit or an investigation on this mortgage company. 
Thank you, XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with those accounts was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an open car loan with XXXX through XXXX. I got into an accident XX/XX/XXXX and my vehicle I was financing was deemed total loss on XX/XX/XXXX. My current loan balance at that time on XX/XX/XXXX was {$17000.00}. My remainding balance was paid in full by both XXXX XXXX insurance and XXXXXXXX XXXX  ( XXXX ) coverage. I also was due a refund from XXXX for {$490.00} which was paid to my account on XX/XX/XXXX leaving my balance at {$17000.00}. {$17000.00} - XXXX ( XXXX ) = {$14000.00}. {$14000.00} - XXXX - XXXX ( XXXX XXXX XXXX checks ) = {$690.00} on XX/XX/XXXX. From this point there should be no interest involved but there is and all my payments were being heavily thrown towards interest by XXXX when I told them I wanted multiple payments put mostly or only towards principal which would leave me with no more interest. {$690.00} - {$450.00} ( the payment I made on XX/XX/XXXX ) and minus {$410.00} ( the payment made on XX/XX/XXXX ) leaves my balance at- {$170.00}. This means XXXX owes me {$170.00}. Not only has XXXX not reported that I made payments at all from XXXX through XXXX. Both insurance checks were paid and received in XXXX on the XXXX, XXXX and the XXXX check was paid and received on XX/XX/XXXX. Not only am I being flagged for late payments of 60 days but today is XX/XX/XXXX and I am just now receiving info on how to close account but the account should have been closed in XXXX if not the latest XXXX. I should be nowhere near 60 days late for a car I totaled XXXX months ago. Do not do business with XXXX. The thing is this process took way too long for simple tasks that should be completed much sooner if worked on with diligence. I stayed in constant communication and there was no transparency, as a matter of fact I was told I was not in credit bureau danger on multiple phone calls ; I was lied to then comforted on another call that it would all be changed at the end when it should never be wrong in the first place. Just plain out bad business.
Product: Mortgage

On XX/XX/2019 I contacted the company and asked them that I would like to take over my property tax and home insurance.The company refuses to accept my request.There are saying that my loan is not setup this way.Pls help me resolve this.
Product: Debt collection

This collection is showing on my credit file.I have no knowledge of this account.it says that i am a joint owner and it is paid.Have tried several times to remove it.It is illegal to report in accurate information on my credit file.I am buying a house and they will not remove from file.If it is not removed ASAP i will seek legal recourse for damages
Product: Credit card

XXXX recently changed their login policy that they need to send you an e-mail verification code in order to access your account, they have no procedure in place to send the code via phone. My issue is if I need to get to my account and dont have access to e-mail, I am shut out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a dispute to Transunion with proof that one of the accounts listed on my credit report was not valid. I requested that they remove the account but they did not and only parroted the same response from my last dispute. I do not believe they investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX  XXXX Balance : {$9900.00} ; XXXX  XXXX Balance : {$1000.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit card or prepaid card

Charged double on XXXX XXXX capital one and XXXX  bank accounts