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

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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 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

RE : Formal Complaint Regarding Inaccessibility of Credit Report and Potential Identity Theft Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the denial of access to my credit report by Experian. I believe this issue is a result of identity theft, and I am concerned that my ability to access my credit report has been unfairly restricted, violating my rights as a consumer. Despite multiple attempts to access my credit report, I have been consistently denied access or given inaccurate information. 

As a consumer, I have the legal right to access my credit report, as per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g, which states that consumers are entitled to obtain a free copy of their credit report from each of the XXXX major credit bureaus once every 12 months. Under 15 U.S.C. 1681b, Experian is required to provide access to my credit report when I request it, and I am requesting assistance in resolving this issue promptly. 

Furthermore, I believe I am a victim of identity theft, as I have noticed inconsistencies across my credit report, including discrepancies in account information, addresses, and employer information. 15 U.S.C. 1681c-2, relating to " Blocking Information Resulting from Identity Theft, '' outlines that consumers have the right to request that any information related to identity theft be blocked from their credit report, and the consumer reporting agencies are obligated to comply. As I believe I am a victim of such theft, my credit report has likely been compromised and contains fraudulent information. 

The Fair Credit Reporting Act ( FCRA ) provides further protections for victims of identity theft. According to 15 U.S.C. 1681c-1, if a consumer has filed a police report regarding identity theft, they are entitled to request a fraud alert be placed on their credit file, and the credit reporting agency is required to take immediate action to protect the consumers information. 

Here are the key issues and violations that I have encountered : Failure to Provide Access to My Credit Report : Experian has denied my attempts to access my credit report, violating my rights under 15 U.S.C. 1681g. I have made multiple requests to access my report and received no clear response or actionable information regarding the status of my request. 

Inconsistencies in My Credit Report : Upon reviewing my credit report, I noticed discrepancies, including inconsistent addresses, incorrect account information, and unfamiliar employer details. These inconsistencies suggest the potential misuse of my identity. Under 15 U.S.C. 1681c-2, I am entitled to request an investigation into these discrepancies, and Experian is obligated to assist in rectifying these issues.

Identity Theft and Fraud Prevention : As I suspect I am a victim of identity theft, I am requesting that Experian block any fraudulent information from my credit report as per 15 U.S.C. 1681c-1. However, Experian has failed to assist me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Flexible spending credit card Credit Card - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$8400.00} {$8400.00} {$8400.00} No. of Months ( terms ) : 0 0 0 High Credit : {$8400.00} {$0.00} {$8400.00} Credit Limit : {$7400.00} {$7400.00} {$0.00} Past Due : {$8400.00} {$8400.00} {$8400.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity. Unpaid balance reported as a loss by the credit grantor. 
Charged off account Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Late Payment Status : Was 30 days late 2 time ( s ). Was 60 days late 2 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 1 time ( s ). Was 150 days late 1 time ( s ). Was 180 days late 1 time ( s ).

Was 30 days late 2 time ( s ). Was 60 days late 2 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 3 time ( s ).
Product: Credit reporting or other personal consumer reports

Back in XXXX of XXXX  I reached out to all 3 credit bureaus plus XXXX ND SANTANDER IN REGARDS TO FRAUD ACCOUUNTS THAT THEY WERE REPORTING ON MY CCREDIT REPORT. These accounts do not belong to me and were a result of identity theft. per 15 usc 1681 by law you can not furnish information that is untrue on someone's file like you guys have done. you all have not properly investigated and due to that the accounts have still remained. I will give you all one more chance to rectify the situation asap, Thanks.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : 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 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I received a bill statement from National Credit Adjuster collecting debt I never own. I am not owing this company or XXXX XXXX or any of their associates any debt. I just received a letter ( ( XX/XX/2020 ) from National Credit Adjuster saying that " is now servicing your delinquent account on behalf of National .... '' I do not have any account with XXXX XXXX. I am not owing this company or XXXX XXXX or any of their associates any debt. I put " Credit freeze '' on my account with the major credit reporting institution to prevent any company from opening any account on my name. I reported to XXXX XXXX XXXX ( XXXX  ), and when confronted, National Credit produced typed " Lender Disclosure agreement '' without ant money transaction record. I rejected their disclosure since I never opened an account with them or received any money from them.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaint dated XX/XX/year>2025, regarding the inaccurate reporting of the XXXX account ( Account Number : XXXX ) on my credit report. As per the Fair Credit Reporting Act ( FCRA ), you are required to investigate and correct any inaccuracies within 30 days. However, I have yet to receive a resolution or update regarding this matter. 
To reiterate, the discrepancies in this accounts reporting include conflicting information on the accounts open date and last reported date. These inconsistencies raise concerns about the accuracy and reliability of this record. Since this account reflects a XXXX balance, and given the inconsistencies, I urge you to remove it from my credit report promptly
Product: Credit reporting or other personal consumer reports

I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisionsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The open dates for are not accurate and the account numbers are invalid. XXXX  never represents or corresponds to appropriate account informations. It's been more than 6 months and you have never given me any response to my request to validate the debt and its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for there violations.
Product: Money transfer, virtual currency, or money service

In 2022, my partner sent me a payment via Zelle, using their TD Bank account. The transaction was successfully processed, and the funds were deposited into my account. A couple of months later, I noticed that the funds had been reversed from my account, leaving my balance in the negative.I immediately contacted TD Bank customer service to inquire about the reversal of the funds. I provided all necessary details, including the transaction ID and any relevant information. XXXX XXXX  informed me that the money was " not mine '' and that the transaction was reversed, without providing a clear explanation as to why. Despite explaining that the funds were sent to me by my partner and that I was the rightful recipient, XXXX XXXX  insisted that they could not resolve the issue in my favor. Despite my attempts to resolve the matter, the funds were never recredited to my account, and I was left with a negative balance. I am seeking a resolution, as the funds were rightfully sent to me, and the reversal has caused financial inconvenience.
Product: Student loan

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?
Product: Credit reporting

Earlier this year I had no inqueries in trainsunion. As of today XXXX/XXXX/16 I have multiple inquiries that are not mine. It appear trainunuon placed old inquiries on me
Product: Debt collection

letter dated XX/XX/XXXX from RESURGENT CAPITAL SERVICES stating that I owe them a debt for {$570.00}. The Original Creditor was XXXX XXXX, who previously charged off the alleged debt. I have no contract with RESURGENT CAPITAL SERVICES nor LVNV Funding LLC. They are threatening me by stating they will submit a negative credit report. Which is a violation of 15 USC 1692d ( 1 ). Amongst other violations committed. I donot owe them anything I donot know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating about me to 3rd party without my consent, which is in violation of 15 USC 1692c ( b ). They are offering 40 % off the alleged debt along with their symbol which is a violation of 15 USC 1692b ( 5 ). They are threatening me with harmful action towards well-being via credit report which is a violation of 15 USC 1692d ( 1 ). By them even communicating with credit agencies is a violation of my privacy per the Privacy Act of 1974. Let this be notice that I previously filed a complaint for a received letter dated XX/XX/XXXX from XXXX XXXX XXXX. stating that I owe that same {$570.00}. The Original Creditor was also XXXX XXXX, who previously charged off the alleged debt. So they are shifting the debt to another shell company. This has to stop!
Product: Student loan

First Issue : 10-15 years and counting I have been requesting that Great Lakes be listed in the " Loan Servicer section on the studentaid.gov site and that studentaid.gov reflect all of my previous loan payments over the course of my student loans from the 1st disbursement and 1st loan repayment to current day. 

I have also been requesting that my loan history and servicers information be updated from both the U.S. Department of Education and Great LakesXXXX XXXX XXXX XXXX XXXX 

To no avail Great Lakes is still missing as a servicer and any and all loan payments made are not reflective on stduentiad.gov or XXXX Second Issue : Great Lakes let me exhaust all of my forbearance / deferment/ and hardship repayment options without ever offering or telling me about the IBR/IDR repayment plan . When I finally exhausted all other options instead of offering or informing me of the IBR/IDR which has been around since XX/XX/2009. They either sold or transferred my loans to XXXX.
Product: Credit reporting or other personal consumer reports

Violations of : Permissible Purpose : 15 USC 1581b Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) Responsibilities of Furnishers : 15 USC 1681s-2 Trans Union has unlawfully and illegally reporting derogatory information on my credit report without proper authorization. I have repeatedly informed Trans Union that I was affected by ID Theft and my information was compromised while XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These are not credit transactions initiated by me. Additionally, I will be filing federal complaints against Trans Union for these unlawful practices because my consumer rights have been violated. I have not authorized them to report any information about me, and their actions violate the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for reporting such information. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter thoroughly and ensure that this derogatory information is removed from my credit report immediately. Trans Unions failure to adhere to these legal standards has significantly damaged my credit standing, and I expect immediate corrective action. Illegal accounts include are : Account/Issue : Account Name : XXXX XXXX XXXX  Balance : {$10000.00} Opened : XX/XX/XXXX Issue : Identity Theft Account/Issue : Account Name : XXXX XXXX XXXX # XXXX Balance : {$840.00} Opened : XX/XX/XXXX Issue : Identity Theft Account/Issue : Account Name : XXXX # XXXX Balance : {$1900.00} Opened : XX/XX/XXXX Issue : Identity Theft Account/Issue : Account Name : XXXX XXXX XXXXXXXX # XXXX Balance : {$2000.00} Opened : XX/XX/XXXX Issue : Identity Theft Account/Issue : Account Name : XXXX XXXX # XXXX Balance : {$850.00} Opened : XX/XX/XXXX Issue : Identity Theft This failure to provide adequate proof of the alleged debt is a violation of my rights under federal law. I requested to provide verifiable proof of this debt and clarification of how these alleged unauthorized accounts were verified, I have not received anything. This raise concerns about their compliance with legal requirements. In accordance with the Fair Credit Reporting Act ( FCRA ), I have not given them the authority to access or report any information related to me. Their actions are in violation of the FCRAs requirement for a permissible purpose in reporting credit information. Again, I will be filing complaints at federal levels to address these violations and then seeking a lawyer. I have given Trans Union a fair opportunity to clear this up, however I am still being harassed.
Product: Credit card or prepaid card

My account is 60 months no intetezt with XXXX XXXX. They decreased my credit limit without a warning and or reasoning. This interm affectsy crefit score and debit to credit ratio.
Product: Student loan

On XX/XX/year>, I made a payment of {$690.00} to Aidvantage using my XXXX XXXX XXXX checking account. I received an email confirmation of my payment from Aidvantage and saved this email for my records. The following day, I received a " Payment Reversed '' notification and found on my account that the payment was never taken from my account. Aidvantage stated that the reason was because the " account does not exist ''. I re-input my information using the XXXX XXXX XXXX information, verifying again that routing and account numbers matched up. They did. I submitted another payment of {$690.00} which has still not been taken from my account and which I expect Aidvantage to reject once again, which will mark my loans as delinquent and further affect my financial planning ability.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, a debt validation letter was sent to Wells Fargo & Company in XXXX XXXX, CA. The company responded with a copy of the contract between myself and the dealership. Per the FDCPA, I refused to send another payment until they sent a certified copy of the promissory note. It never came. They then stole my car, giving my information to someone I gave no consent to, and furnished late payments to the reporting agencies. Under duress, I paid the entire remainder of the loan that they never proved to give me completely off. They still reported the repossession and did not attempt to correct or cure the injury done to me. As a result, I have suffered higher interest rates on consumer transactions I have been approved for and have suffered many denials. They have never given me full disclosure or time to opt out of my private transaction being made public. 

The Credit Reporting Agencies ( acting as Bureaus ) are guilty of not receiving a court order or express written consent from me, XXXX : XXXX and XXXX to furnish damaging information.
Product: Credit reporting or other personal consumer reports

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, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

Pursuant to 15 USC 1692 I am requesting validation for the following accounts with Nationwide Recovery sv : 1. # XXXX {$1600.00} 2.  # XXXX {$1100.00} 3. # XXXX {$390.00} 4. # XXXX {$750.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back yet.