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

This account is reporting with a past due balance. Its also reporting as charged off every single month. The date of last payment is being reported on XX/XX/XXXX. However with Equifax, its reported as XX/XX/XXXX. A well as the date of last activity is reported as XX/XX/XXXX with XXXX its reported XX/XX/XXXX, and XX/XX/XXXX with XXXX. They are updating the BALANCE on my account every month, causing this account to be on my credit longer. This is violating my FCRA rights, as this is not a fair and accurate depiction of my creditworthiness. They are also reporting prior months inaccurately.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/year>2025, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the address listed below are not associated with my residence history and must be removed : To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NM XXXX Social Security Number : XXXX Date of Birth : XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : XXXX. Immediate removal of the erroneous address from my credit report. 
XXXX. An updated credit report reflecting the corrected information. 
XXXX. Written confirmation of the actions taken to resolve this dispute. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times trying to get these address remove off my credit report and it seems that it wouldn't come off. so I'm gone attach my lease so you can see I been staying at one address all my life basically.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX Date of inquiry : XX/XX/2023 XXXX XXXX  Account Number : XXXX
Product: Checking or savings account

I have had a savings account with Capital One for many years. The account was called Capital One 360 savings. About 4 years ago Capital One started offering a new account called 360 XXXX Savings account. I thought this was just a name change. But it wasnt. It was an account with a higher interest rate. If I wanted the better I would have to open a new account. I think that this was deceptive on Capital Ones part.
Product: Credit card or prepaid card

We received a Square debit card with my name and address and a company I had never heard of. This suggests that someone opened a checking account with Square using my identity information. When I called Square to report it they said they didn't have a fraud department and didn't issue credit cards because they were a payment processing company. That was obviously not true since I had a card in front of me so I escalated until I spoke with someone who took my information and said they would look into it. They said they were unable to give me any information on the account, would not notify me about what happened with the card, and there was no way for me to call back and check in the future. So I'm supposed to just trust that they will do close the account when the " customer service '' person I spoke to didn't have any idea how to handle it?
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX XXXX on XX/XX/XXXX with repayment terms of {$28.00} per month interest free for six years. My account is managed by XXXX XXXX XXXX XXXX. I make my payments via https : XXXX. I have made all my payments either on time or in advance except for XX/XX/XXXX which was two days late. I can document all of these payments. 

I was pre-approved for a home loan by XXXX XX/XX/XXXX of XXXX, TN on XX/XX/XXXX. My credit score was well above the required 620. I was set to close on a home on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX reported to all three credit bureaus that I was 60-90 days late and demanded {$240.00}. in late fees. My score plummeted 100 points. Since I had already paid {$1000.00}. in earnest money, {$350.00}. for an home inspection, and {$400.00}. for an appraisal, I paid the {$240.00}. in an attempt to recover my score. It didn't work. I lost the home. Now I'm stuck indefinitely paying outrageous amounts ( approximately XXXX XXXX./mo. {$600.00}. more than my house payment would have been ) to  keep my things in storage and live in temporary housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter to Experian on XX/XX/2023, requesting an investigation into items on my credit report. 

On XX/XX/XXXX at XXXX I received a email saying that they believe I did not request this investigation and that they believe it was from a third party, it was not, it was from me! 

The email is as follows : XXXX XXXX, " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at www.experian.com/dispute. 


I called them and informed them that it was indeed myself that submitted the request for investigation, and they advised me over the phone that there was nothing they can do. 

On XX/XX/XXXX, I sent another letter to them accusing them of stalling my legal right to request an investigation into items on my credit report and advised them that it was indeed myself that requested the originally investigation. 
Again, on XX/XX/XXXX I received the EXACT same stall email at XXXX. 

I have sent 2 letters to Experian myself ( NOT from a 3rd party ) and both times they have refused to action a legal requirement that I XXXX XXXX XXXX requesting an investigation into certain items on my credit report. They have stalled and gone over the 30 days that they are supposed to investigate within.
Product: Checking or savings account

Several weeks ago I deposited 5 checks I received from the internal revenue service as my employee retention tax credit refunds. The funds were placed on hold for 10 days and when i spoke to the bank today they said the checks from the irs were fraudulent. This is a preposterous claim and totally untrue. The bank Bank of America closed my account and refuses to give me the funds back or even the checks I deposited
Product: Credit reporting, credit repair services, or other personal consumer reports

Courthouse told me they don't report to Credit Bureaus! 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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

SunTrust Bank closed my bank account a year ago but would not return the {$2900.00} I had in there. They said they had to hold it for a year INCASE someone came back on the funds. It's been a year. Nobody came back on the funds so I'd like my money refunded to me! They are giving me a big run around! First they wanted me to go to a local branch. That was impossible! There are NO local branches in Ohio! The closest branch is in TN some 380 miles away. I can not drive that because I turned XXXX today and I am XXXX an can NOT drive that far! So they said send a notorized letter with my Driver 's  license on the letter to any branch! I've done that! But then they said I had to have the the person who made the last deposit ask for it n they could give it to me! That too is impossible because I no longer associate with that person an have no idea how to find them! I am fed up with all these rediculus requests! I just want my money back!! It's been over a year now! This is a checking account Thank you, XXXX XXXX
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. 

I asked XXXX, XXXX, and Equifax to reinvestigate these accounts : CREDITORS BUREAU US, Account # XXXX ( this is over the 4 year California statute of limitations as well ) XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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.

Also, they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Checking or savings account

Citi Bank claim case ID : XXXX XXXX XXXX XXXX XXXX I opened a dispute with Citi Bank in the amount of {$250.00} regarding a transaction to XXXX that I was charged twice for. Some history of the transaction is : in XX/XX/XXXX I made a purchase at XXXX while traveling, it was a legitimate purchase, at the same time my debit card through XXXX XXXX XXXX was used fraudulently and I opened a dispute with them. I mistakenly added the XXXX charge to that dispute it shouldn't have been added. I received an email from XXXX informing me of the disputed charge and they stated that I needed to pay the {$250.00} and contact XXXX XXXX XXXXXXXX which I did. I paid the {$250.00} on my Citi Debit Card and XXXX XXXX XXXXXXXX reversed the chargeback so now I've paid for the order twice. I contacted XXXX and they stated that they would not credit my account and that I would need to go through Citi to dispute the double charge and receive the funds. 

I filed the dispute with Citi on XXXX  and on XXXX  I received a letter from Citi requesting additional information and backup information on the disputed charge. I provided this information to Citi via email on XXXX  ( 5 business days after initiating the dispute ). I sent the form Citi requested along with the chat transcript from XXXX where they confirmed the double charge and stated that I needed to go through Citi. 

I confirmed with Citi via chat and phone call that the letter was received and added to the account as their letter stated I needed to respond by XXXX  they confirmed on XX/XX/XXXX that the information was received. I've been in regular contact with Citi to get an update on when a temporary credit would be made on my account for the {$250.00}, no updates have been given, all I get is a generic response saying it's being reviewed or investigated. On XX/XX/XXXX ( 15 business days after filing the dispute ) I was told the dispute was closed due to lack of information being received within 10 business days. This is not true or accurate, the information was submitted 5 business days after the dispute was opened. The agent stated that the dispute was re-opened after receiving the information, she stated that the information wasn't received until XX/XX/XXXX, that's not true either. I stated that is unacceptable, I've provided information within the required time and a temporary credit needs to be applied to my account in the amount of {$250.00}. I gave them until close of business yesterday to provide a credit and an update they did not. 

Citi has exceeded the 10 working days to investigate or provide temporary credit we are now at working day 17. I have provided all information requested within the requested timeframes.
Product: Debt collection

I signed up for XXXX in XX/XX/2022. I took my family one time. It was a dirty facility with very little staff. My daughter was unable to attend due to her XXXX, my son is XXXX  and was unable to use this facility safely without an aide due to his XXXX as well. My payments were set up on autopay. In XXXX XXXX contacted me and said that my account was delinquent. She sent me a membership agreement riddled with typos and then I sent XXXX XXXX an email stating my children had XXXX and could not go to the facility ; per their agreement. I also let her know I had a XXXX patient at home so coming up to the facility and signing documents would be difficult for me. I called and left her a message as well. I did not hear back from her for a month and at that time she stated I needed to pay the entire contract whether we were able to go to the facility or not. I asked her for clarification on why I couldn't just pay the past due and maybe try and bring my son. At that point she told me I needed to pay new fees that she had come up with like a re-enrollment fee and some other stuff. I mailed her a check for half of what she said was due and I again asked for clarification. I did not hear from her again. I clearly stated that we needed to cancel this membership for medical reasons and XXXX XXXX did not honor her own membership agreement, she treated me extremely unprofessionally and disregarded every request for clarification that I had. In XXXX when she sent me an account history she had the contract amounts wrong and said the amount sent to collections was wrong in the first place.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, EXPERIAN the credit reporting agency permanently block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 3 personal credit card accounts, 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.These accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All these accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints on all accounts mentioned and as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX XXXX  ( Date opened XX/XX/XXXX, Balance {$340.00} ), XXXX XXXX XXXX  XXXX XXXX ( Date opened XX/XX/XXXX, Credit limit {$3000.00} ), XXXX XXXX XXXX Date opened XX/XX/XXXX, Credit limit {$100.00} XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Credit limit {$100.00} ), XXXX XXXX XXXX  ( Date opened XX/XX/XXXX, Credit limit {$800.00} ) Its been over 45 days and Equifax XXXX respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been deleted following CFPB dispute. Both XXXX and Equifax have refused to comply even after receiving paperwork. Companies have consistently stated they have ran disputes at FCRA requirements but have historically been incorrect. They have still failed to remove this account even after disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

Can not log into Equifax account. Spoke with a representative and they were to resolve in a week still can not login.
Product: Credit reporting or other personal consumer reports

On XX/XX/2022 the company ( Equifax ) responded to my complaint regarding the Bankruptcy not reporting on my credit report. I've attached a document from my Equifax online account showing the Bankruptcy on my credit report. I also found that the disputing company is XXXX XXXX, I will also attach the letter I received from XXXX XXXX removing the incorrect Bankruptcy from my consumer report. Please remove this bankruptcy. I am seeking a {$1000.00} USD fee for failing to remove this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Someone is using my information to obtain credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX {$510.00} XXXX XXXX did not provide me a HIPAA release my medical information to them, therefore by providing such information they are violating my HIPAA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXPhone ( XXXX ) XXXX The above charge account was revolving charge account and was never late in payment. The merchant have reported 60 days past due to all 3 credit bureaus ( EQUIFAX, XXXX, XXXX ) and I have requested merchant and all 3 bureaus to remove as it is inaccurate. Neither merchant nor Credit Bureaus were able to provide any proof of late payment neither remove this from my credit report. I sincerely urge CFPB to instruct EQUIFAX, XXXX XXXX XXXX to remove this from their reports. Hope CFPB will assist in this matter as it's violating my consumer rights. 

Thanks, XXXX XXXX
Product: Credit card

Hello I am writing because I have been dealing with synchrony bank on XXXX different accounts, XXXX and XXXX XXXX XXXX  for the last year. I am also have problems with my business card that was locked with XXXX 

I have sent Synchrony bank a copy of my check that I paid directly to the company that installed some stone and back splash. I even have a letter from them stating my bill has been corrected and I do not owe them anything. Still they continue to send me a bill. 

On top of it, sychrony took my last payment for XXXX XXXX XXXX ( {$330.00} ) and applied to my XXXX account ( after it was supposed to be closed for payment in full ). I have spent hours on the phone with them attempting to clear this up In XXXX I was on the phone with them for XXXX hours and the woman PROMISED me she fixed it. I am still receiving bills from both accounts. 

Lastly, XXXX ; I opened an XXXX XXXX account and wanted to shut down my business account with them - account ending in XXXX. I paid my account off in full, called and they said I couldn't close my account until the payment processed but I could lock the card so that no other charges would go through. I agreed to lock the card until the payment processed. In the mean time they allowed another charge to go through the card AFTER it was locked. They hung up on my XXXX times as I tried to explain that they should not have allowed any charges onto that card and that I am not responsible - especially since I wasn't in procession of the card as I had shredded it. 

These XXXX companies are not working with me and are continuously creating charges that just should not exist. I am at my wits end because I have spent countless hours on the phone, sending copies of payments, letters clearing my charges, etc just to have this ontinue to go in XXXX big circle. It is also effecting my credit as my credit score was XXXX and is now in the XXXX. 

This is such a mess and I would like to have so help so that these XXXX companies leave me alone and close the accounts that I do not owe on. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Genesis FS Card Service also known as Milestone 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX  - Date of inquiry : XX/XX/2023 XXXX XXXX - Date of inquiry : XX/XX/2023