23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I technically owed the debt to a daycare provider ( XXXX XXXX ) until the provider in their negligence of unspervision, and lack of security cameras on the play area allowed another child to victimize my XXXX year old daughter by XXXX. My daughter was taken to the emergency room, the incident was sent to the XXXX hotline by the emergency room doctor, a police report was filed, and she was interviewed and examined again at XXXX XXXX. The daycare had the audacity to send the balance to the credit bureau for collections. The credit bureau made constant attempts through mail and constant phone calls. I informed the credit bureau over the phone as well as a formal written statement why the money was not owed to them for nullifying our contract by no longer providing a safe environment for my child. I also explained to them with enough detail what had happened to my child and in sheer principle of the matter the daycare bill will not be paid. I asked in every conversation to please stop contacting me, they would not receive payment and that a civil suit for negligence, accidental injury, and damages would be filed. They still continued to contact me through mail until I was served with court papers stating I was being sued for the balance.
Product: Credit reporting or other personal consumer reports

CFPB- I'm not happy with Experian because they are continuing to give me very low credit score points. With in 30 days my credit score should have went up XXXX points all of my credit accounts are paid on time, my credit card usage is way be low 30 %. As a consumer I've lost faith in credit bureaus they are making people 's lives worse.
Product: Debt collection

On XX/XX/XXXX I got a call from XXXX and they said they collecting for American Credit Adjusters okay. I first set up payments paying XXXX that day with my debit card. That night my husband and I talked about it and pulled money from savings and I called back the next day and paid off the balance. So the full balance was paid XX/XX/XXXX. I have them both on my statements. So they say - we will send you a letter blah blah. Well we are in the middle of moving since my husband was separating from the XXXX XXXX, and to be honest kinda forgot about the letter. Fast forward 3 months and we are trying to buy a house. My lender pulls our credit report low and behold- a new collection account popped was reported XX/XX/XXXX- and blows our credit score way down. I was furious we had an offer on the house and waiting to close. I called National Credit Adjustors, and ask why was this reported XXXX when we paid it in XX/XX/XXXX!! All they said was sorry we will updated the balance to {$0.00}! No I said I need it removed. She said sorry we do n't do deletes here. You just cost me my house! and they refuse to remove it even when I paid it 3 months ago!! How can they report it AFTER it was paid.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA XXXXFailure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
XXXXFailure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
XXXX.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX XXXX TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : XXXX.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXXProvide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXXImmediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

I have contacted Experian MULTIPLE times in regards to numerous inquiries that appear on my credit report that were not authorized by me. 

I have contacted them through the mail as well as over the phone. 

Experian has blatantly ignored my requests to delete these inquiries from my reports. 

I did not authorize these inquiries and I can not file a police report when I do not have the correct information to do such a thing.
Product: Checking or savings account

My mother added me to her bank account as convenience, because she had a XXXX and was XXXX. She also has XXXX XXXX XXXX. I did not put a dollar in her account and I don't spend from her account unless I'm doing something for her. However, Truist has placed a levy/garnishment for child support that I don't owe. Moreover I was NOT served with the garnishment notification from Truist. I received a call from my mother on XX/XX/XXXX stating she received some paperwork from Truist " with all your personal information including your social security number, and your child support account number. '' I belive the letter was dated XX/XX/XXXX but mother didn't receive it until XX/XX/XXXX. My mother lives in Florida and I live in Georgia. I didn't receive any communication from Truist. I would not have known if mother didn't tell me. I called Truist to find out why my mother 's account was garnished and I was told to call the child support office. I asked why I didn't receive anything from Truist about the garnishment, again I was told to call the child support office. I asked why my private information, including documents from the court, and my social were sent to my mother instead of me but I was told to call the child support office to find out. Truist has essentially refused to give me any information about what happened. My mother didn't know my social security number and she didn't know my child support account information. In fact I asked my wife to call the child support office in the past, and they wouldn't provide any information without my consent. What makes it worse, is that Truist pays my child support from another checking account with my wife. So if I owe {$690.00}, it means Truist hasn't been paying the money that they remove monthly. My wife paid it via bill pay, and Truist sends a check to the child support office each month. To conclude, Truist has violated my privacy by sending my private information to my mother instead of me. Truist is refusing to answer valid questions, and Truist did not notify me of the garnishment.
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and doesn't belong to me and need to be removed. Also the next as well. thanks XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX bank XXXX
Product: Credit reporting or other personal consumer reports

I filed for XXXX XXXX  bankruptcy in XXXX of 2024. I have an auto loan with XXXX XXXX that was reaffirmed in the process. My bankruptcy was granted and closed XXXX of 2024. Since the reaffirmation of my auto loan with XXXX XXXX they deleted, not charge off or listed as resolved in the bankruptcy, completely deleted the loan all together off my credit report. It's like it never happened. I still have the loan, it was reaffirmed, meaning I still have a legally binding loan on paper, and have made all payments on time. I have called XXXX XXXX and stayed on the phone for hours being transferred around and told all kinds of things. They admit that the loan was deleted, that they are not reporting the loan, not reporting the affirmation or my payments to the credit bureaus. I asked several times for them to report it and was told no. I just want to try and rebuild my credit. I only saved my car from the bankruptcy. I did everything that they asked me to do to reaffirm my loan and not only did I lose my past payment history with the loan but I now am paying on a loan that only exists with them and no one else on earth. I never paid my loan late even before the bankruptcy. I was always current. I still am current. I only discharged credit card debt after a divorce. The car was never in danger of being late.
Product: Mortgage

Unable to reach mortgage company ... on hold for hours at a time. Need to set up auto-pay. Unable to do so on their website
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFBP THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX XXXX XXXX, WHICH FALLS UNDER XXXX  ACCORDING TO XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX XXXX XXXX XXXX AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX  XXXX {$320.00}, XXXX XXXX {$0.00}, XXXX XXXX {$2800.00}, XXXX {$1500.00}, XXXX  {$0.00}, XXXX {$4700.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX  {$760.00}
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, This is a formal follow-up to my ongoing complaints against Experian ( Complaint Numbers : XXXX and XXXX ). Despite multiple submissions of extensive documentation, including FTC Identity Theft Reports and deletion letters from the original creditors, Experian continues to demonstrate a pattern of malicious non-compliance and intentional misrepresentation. Their actions reflect clear violations of the Fair Credit Reporting Act ( FCRA ) and FTC identity theft protections. 

Key Issues Highlighting Experians Malicious Intent : 1. False Certification Claims by Experian : Experian has repeatedly asserted that the disputed accounts have been certified as accurate by the original creditors. This is a blatantly false claim. The original creditors have already deleted the accounts, acknowledging their fraudulent nature after thorough reviews. I did not request certification ; I requested transaction histories and account-opening documents. The fact that Experian is using false certification claims demonstrates their intent to mislead both me and the CFPB. 



2. Failure to Provide Legally Required Documentation : Despite numerous requests, Experian has failed to provide the transaction histories and account-opening documents necessary to substantiate the legitimacy of these accounts. I am fully aware that these documents will not be provided, as the creditors themselves have already chosen to delete the accounts rather than conduct a further in-depth investigation. Experians refusal to act on this and their continued reporting of these fraudulent accounts shows a clear lack of transparency and a deliberate attempt to evade responsibility. 



3. Experians Continued Violation of Identity Theft Protections : Under the FCRA and FTC identity theft protections, Experian is obligated to block or delete accounts proven to be fraudulent. I have provided FTC Identity Theft Reports, deletion letters from creditors, and proof of identity, yet Experian has continued to act in bad faith by refusing to delete these accounts. This ongoing refusal represents a clear failure to comply with federal law and demonstrates malicious intent in their handling of my case. 



4. Intentional Misrepresentation and Delay Tactics : Experians continued use of false certification claims, combined with their failure to act on the identity theft documentation and creditor deletion letters I have submitted, clearly indicates an effort to delay and mislead. This behavior is not just negligent ; it is intentional and systemic. Even if Experian ultimately deletes the accounts, their lack of transparency, dishonesty, and repeated misrepresentation raise serious concerns about their compliance with consumer protection laws and warrant immediate investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  continues to review and monitor my credit when I do not have any open credit accounts with this bank. This company continues to violate my right as a consumer to privacy of my personal information. I have continuously written letters to each of the three consumer reporting agencies to making them aware of synchrony banks improper use of the credit report. XXXX, Equifax, and XXXX have a duty to protect consumers and they have shown to be negligent in their handling of this issue.
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. 
: XXXX : # XXXX : XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX : XXXX XXXX XXXX # XXXX : XXXX XXXX XXXX  XXXX 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 any consumer reporting agency if the ( A ) ( 1 ) person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act,15 U.S.C . 1681 ( g ) I have the rights to demand that you disclose to me all of the documents that you have recorded and retained in your file at this time of this request concerning the account ( XXXX XXXX XXXX XXXX XXXX ) that you are reporting in my credit report
Product: Mortgage

I AM REQUESTING ALL DOCUMENTATION FROM EMC MORTGAGE KNOWN AS A SUBSIDIARY OF JP MORGAN : FOR THE YEAR 2007 FOR PROPERTY ADDRESS XXXX XXXX XXXX XXXX XXXX GA XXXX THIS IS A FRAUD LOAN WHICH WAS TAKEN OUT PRIOR WHICH MEANS THE HOME HAD A CLOUD ON THE TITLE. 

THIS IS NOT A DUPLICATE XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized hard inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit inquiries XXXX only be made with my explicit consent or when otherwise permitted by law. I have reviewed my credit report and found the following inquiries that I did not authorize. picture have been unloaded Under Section 604 of the FCRA ( 15 U.S.C. 1681b ), a consumer reporting agency XXXX only provide a credit report for permissible purposes, such as a legitimate credit transaction that the consumer initiated. These inquiries were not authorized by me, and I am requesting their immediate removal as they violate this provision. 

XXXX. Section 607 ( b ) : Maximum Possible Accuracy Credit bureaus must follow reasonable procedures to ensure the maximum possible accuracy of the information included in a consumer report. This applies to all types of data, including inquiries.

2. Section 611 : Dispute Process Consumers have the right to dispute any inaccurate or incomplete information in their credit report, including unauthorized or incorrect credit inquiries. Credit bureaus must investigate disputes within 30 days and delete or correct any unverifiable or inaccurate information.

3. Section 604 : Permissible Purpose Inquiries must have a legitimate purpose and be authorized by the consumer or permissible under the law ( e.g., for a credit application, insurance underwriting, or employment ). If inquiries appear on your credit report without authorization, they violate this section. 
XXXX. Section 609 : Disclosure to Consumers Credit bureaus must provide consumers with a list of all entities that accessed their credit file, including inquiries. Consumers can request details on why their credit report was accessed and by whom.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that there was fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020..applied for XXXX credit card I was denied approval due to not enough revolving Accts etc..But DENIAL ALSO STATED LIEN. Didnt say from what company, where, when. this decision was based on XXXX, Transunion, XXXX  report. 
By law Liens are not to be disclosed on a credit report or a decision for credit approval. I have searched all State, Govt sites and find no Liens under my name.
Product: Debt collection

I did not receive notification that the debt was being placed with a collection agency and being reported to my credit. I also did not have the chance or ability to dispute this debt before it was reported to my credit as required under the FCRA Following disputing the debt the company continued to operate in bad faith. They did an investigation in which was reported to my Credit report and they sent documentation to the credit bureau and merely documented that I dispute the debt. However, they did not provide documentation that proves they did meet their legal obligation under the Fair credit reporting act. 

This company also has not provided proof to substantiate the debt, or that they did as required in notifying me of the debt and my options to dispute as required under the FCRA even after I have disputed this debt.
Product: Credit card or prepaid card

My identity was stolen. I was alerted by 2 credit monitoring places of hard inquiries on my credit report. I found 3 fraudulent credit card applications. I have reported my identity theft to FTC and am following the recovery plan FTC has given me. Bank of America and XXXX XXXX are both refusing to give me any written confirmation that they are doing anything. They flat out refuse to send me anything in writing. Both companies will only verbally say they will do their own investigation and if they decide it was fraud they will cancel the application and their investigation will take 60 to 90 days and then they will still not supply any written confirmation of anything
Product: Credit reporting, credit repair services, or other personal consumer reports

A federal student loan was taken out in my name to cover tuition expenses when records show that I was covered under the post 911 GI Bill. The loan appeared on my credit report. The loan was fraudulent
Product: Credit card or prepaid card

I contacted Comenity Bank on XX/XX/2021 to dispute a {$47.00} charge on my credit card account. The charge was for a digital product that I never received. I emailed the seller to resolve the issue, but they did not respond. Comenity made no effort to settle the billing error instead they are contacting me by phone and mail requesting payment, and I refuse to pay the disputed amount.
Product: Checking or savings account

Im filing this complaint against Chase Bank. On XXXX, I used my debit card at XXXX XXXX The amount for their services was {$6.00}. However upon using my debit card the laundromat debited {$20.00} on XXXX. I inquired about the {$20.00} from the laundromat assistant, and was told that the {$14.00} would drop off at XXXX XXXX on Tuesday, XXXX and I would only be charged the {$6.00}. I phoned Chase on XXXX, and was told that the {$20.00} was in a pending status and if I wanted to dispute it I could with the claim department. I explained to the representative what the assistant told me. I also saw that the {$20.00} was in a pending status when I looked online via my XXXXXXXX XXXX. Even though I was told that the {$14.00} would be credited back to my account on XXXX ; that never happened. On today, XXXX, I checked my account and saw that the charge of {$6.00} to XXXX XXXX had posted to my account. However, I was not given credit back to my checking account for the {$14.00}. Upon speaking with a manager by the name of XXXX at XXXX, he informed me that he never saw a pending transaction for {$20.00} that pending on XXXX from the laundromat. I also inquired if they showed where I called Chase on XXXX to inquire on the pending transaction. I was told that they have No Records of pending transactions. How can this be so when Chase debited the {$20.00} on XXXX?
Product: Debt collection

I had cable in XXXX paid bill XXXX XXXX but XXXX resource group contacted me XXXX telling me we bought your debit that wasn't paid,. I explained that I had paid my bill and to send me paperwork saying I didn't. Which never happened. Now it's XXXX and every year since they say they had my account they change the date on the debit to make it seem like it is a new account. Called and talk to the credit brueal and reported the wrong doing but nothing happened. So I am making this complaint hoping I could get help. Because what they are doing is illegal. The amount is {$130.00} that they change the date to reflect a new open account not fare.