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

I just recently reviewed my credit report and I noticed there's inaccurate information about Collections ; XXXX : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, that needs to be removed IMMEDIATELY. Ony accurate, complete, and verifiable information is included in my credit report according to FCRA. Please remove inaccuracies and update my other accounts to paid in full. Outdated negative information must be removed. Please investigate this matter and provide documentation validating the debt. If it can not be verified, I request the removal of these accounts from my report, and {$1000.00} per violation.
Product: Debt collection

XXXX XXXX XXXX opened an account w a bill collector for me and Ive never received a letter about the debt being owed. Its with first credit services with a balance of {$460.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is what the bureaus are doing as a result of the XXXX breach. Affected XXXX   customers may opt for cash, free monitoring, etc as part of the court approved settlement. I checked my XXXX report and my score and accounts were as expected. XXXX   includes an option to purchase an additional 3 bureau Fico, which I had no reason to select. I then logged into my free XXXX XXXX, etc and my scores were down @ 30 pts each, The only conclusion is the agencies have acted in concert to subsidize the cost of the XXXX breach by posting such drastically inconsistent scores based on the Same underlying information. What say you? I was tempted to spend an additional {$40.00} for XXXX 's additional monitoring. I still am.
Product: Credit reporting or other personal consumer reports

On or around XXXX I contacted Exeter Finance LLC after being denied for a home mortage loan for inaccurate late payment from Exeter Finance LLC even after are payment extention agreement please see oringinal compalnt in attachment
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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 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 XXXXXXXX hese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

We are asking the FTC to force J.P.Morgan Chase to Quiet title on our home or recind the loan. Our loan in XXXX originated with XXXX Mortgage to XXXX XXXX XXXX structured asset mortgage Investment XXXX. pass through certificate series XXXX XXXX XXXX. XXXX while servicing our loan, committed many FTC and Tila violation, such as those found in XXXX District Court XXXX, FTC XXXX XXXX XXXX XXXX civil XXXX. XXXX 's violations extend into how our loan was transfered or sold into the trust. We have ask for equitable relief from Chase only to be completly ignored. Our loan was discharged in a BK XXXX in XXXX. Neither XXXX Chase or XXXX Mortgage perfected the lien. In XXXX Chase through Mers and blank grantors, transfered it to XXXX XXXX, who is now tying to foreclose. Please help force J.P. Morgan Chase into complying with the relief granted by the court. Thank You.
Product: Credit reporting or other personal consumer reports

Collection Agency has not provided validation Information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( ) Collection agency is violating your consumer rights by using false misleadin, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) Im revoking all rights of them communicating with you through email/ text/calls In your dispute letter your requesting debt validation.

Your also requesting the purchase agreement between them and the original creditor.

Youre also requesting that they furnish proof that they are licended and bonded. 
XXXX
Product: Credit card

I paid my payment on time. Wells Fargo did not credit my payment to my account on time and than reported to the credit bureaus I was late on my payment. I have never been 30 days late on any payment to Wells Fargo.
Product: Prepaid card

I recently had a issue with my XXXX XXXX XXXX XXXX  XXXX  what happened is that on XX/XX/XXXX XXXX refunded twenty five separate transaction payments back to my Utility Spending Account but it did not get returned to that account until XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA.

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX  Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, TX, XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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. I have the right to privacy.

15 U.S.C 1681 SECTION 604 A. section 2 : States a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I am writing to file a formal dispute regarding the unauthorized sharing of my personal information by XXXX XXXX XXXX XXXX to Midland Credit Management on XX/XX/2023. This incident has raised serious concerns about the privacy and security of my financial information. 

On the aforementioned date, XXXX XXXX XXXX XXXX disclosed sensitive details of my financial accounts and debt obligations to Midland Credit Management without my consent. This unauthorized sharing of information violates my rights as a consumer and undermines the trust I place in financial institutions to safeguard my personal data. 

The unauthorized sharing of my information has caused me significant distress and concern about the potential misuse of my financial data by unauthorized parties. I am deeply troubled by The XXXX XXXX XXXX XXXX failure to uphold its duty to protect my privacy and maintain the confidentiality of my personal information. 

I request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against XXXX XXXX XXXX XXXX  for its unauthorized sharing of my personal information with Midland Credit Management. Additionally, I urge The XXXX XXXX XXXX to implement measures to prevent similar incidents from occurring in the future and to provide assurances that my personal information will be handled with the utmost care and confidentiality moving forward. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this dispute and uphold consumer rights to privacy and data protection.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, the Bureau filed a lawsuit against Experian Information Solutions XXXX Inc., one of the largest consumer reporting agencies in the country. Experian collects and organizes data on most adult Americans to generate consumer credit reports, which it sells to creditors and other businesses who are evaluating whether to offer consumers products, services, or opportunities such as credit lines, loans, jobs, and housing. To promote the accuracy and fairness of information in consumer credit reports, the federal Fair Credit Reporting Act ( FCRA ) gives consumers the right to dispute incomplete or inaccurate information in their credit file and requires consumer reporting agencies like Experian to forward such disputes to the company that originally provided the information ( called the furnisher ) for investigation. FCRA also requires consumer reporting agencies to reinvestigate such disputes and remove or correct any inaccurate, incomplete, or unverifiable information. The Bureau alleges that Experian violated FCRA by failing to properly conduct reinvestigations of disputed information in consumer credit files; failing to delete inaccurate, incomplete, or unverified information in consumer credit files; failing to provide adequate written notice to consumers of the results of its reinvestigations; failing to prevent the improper reinsertion of previously deleted information from consumer credit files ; and failing to follow reasonable procedures to assure maximum possible accuracy of the credit information Experian reports on consumers. In addition, the complaint alleges that Experian committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 1 ) failing to convey consumers disputes to furnishers fully and accurately, and instead distorting, truncating, and mischaracterizing consumers disputes ; ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability ; and ( XXXX ) improperly reinserting tradelines into consumer credit reports due to its practice of failing to adequately match newly reported tradelines to tradelines that were previously deleted as a result of a dispute if the subsequent furnishing was from a new furnisher. The Bureau seeks, among other things, to bring Experian into compliance with the law, consumer redress, and the imposition of civil money penalties.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to verify some information I have discovered on my consumer report that is violating my rights. I am requesting that you provide me with proper documentation to validate this debt in accordance with the Fair Credit Reporting Act ( FCRA ). 
Under 15 USC 1681, Section 602, I have the right to privacy. In accordance with my rights under these laws, I request that you cease and desist all collection activities related to this debt and remove it from my credit report within XXXX  days of receiving this letter. Should you fail to comply, I will initiate debt validation methods. 
For my debt validation methods these are the things I would require from you. I would require the following information : 1. Proof of Agreement : Provide a copy of the original contract or agreement with my signature indicating that I agreed to this debt. 
2. Bonding Insurance : Provide evidence of the bonding insurance you have as a collector, in case I choose to pursue further legal action. 
3. Chain of Title : Provide documentation showing the chain of title for this debt from the original creditor to the current collection agency. 
4. Debt Details : Provide the date and the amount of money that I officially became in collection with your company. 
Until you provide all of the above information, this debt remains an alleged debt, and I do not acknowledge any responsibility for it. I expect your prompt and complete response within 14 days. 
Failure to provide the requested information will leave me no choice but to pursue all available legal remedies under the Fair Credit Reporting Act, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. 

Note***I received the Proof of Agreement and the Debt Details, but I did not receive the Bonding Insurance or the Chain of Title. Additionally, I noticed on my credit report that it shows a voluntary surrender, which I did not initiate. The vehicle was repossessed while I was making payments and was taken from the repair shop without my consent. '' I called numerous times to get this handled but no response. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

Dear Equifax Customer Service, I am writing to request a fair resolution regarding the data breach that has compromised my personal information. As a consumer who has been directly impacted by this incident, I expect Equifax to take appropriate and meaningful actions to address the harm caused. 

As outlined in my previous correspondence, my sensitive data such as my name, Social Security number, date of birth, and financial account details were potentially exposed due to the Equifax data breach. This is an unacceptable violation of my privacy and puts me at significant risk of identity theft and financial fraud.
Product: Debt collection

I contacted this company in XXXX XXXX XXXX regarding this account being fraudulent. XXXX XXXX XXXX XXXX XXXX XXXX The company agreed to remove the account only to find out it was sold to a collection agency LVNV Funding LLC. 
Fraud report was provided
Product: Credit reporting or other personal consumer reports

Dept of Education / XXXX XXXX XXXX XXXX : {$76000.00} The balance reported is inconsistent with the repayment history and conflicts with other reports. This is a violation of both FCRA 1681e and FCRA 1681i. Under 1681e, credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. Additionally, 1681i mandates that agencies investigate and correct or delete inaccurate information within 30 days when consumers dispute the accuracy. Inaccurate loan balances or repayment statuses can have significant negative effects on consumers financial opportunities. 

XXXX. Payment History My payment history should reflect 100 % on-time payments for all accounts, particularly my Dept of Education XXXX XXXX XXXX XXXX XXXX Any deviations from this record are inaccurate and violate FCRA 1681e, which requires that all reported information be accurate. Additionally, under 15 U.S.C. 1666b, creditors are not allowed to report late payments unless they are at least 30 days past due. Please update the payment history to reflect 100 % on-time payments, as I have never missed any payments on this account. 

Furthermore, the debt has been forgiven due to my school being listed as fraudulent and closed down. I am attaching a letter, stating the debt was forgiven.
Product: Checking or savings account

My ceiling caved in in my bedroom and I filed a claim with XXXX XXXX to get it fixed on XX/XX/year>. XXXX XXXX did everything and sent me the check so I could pay my contractor on XX/XX/XXXX. I deposited my check to Wells Fargo on XX/XX/XXXX and they put a hold on the deposit on XX/XX/XXXX until XX/XX/XXXX. I called them on XX/XX/XXXX and they said the reason for the hold was that XXXX  XXXX either XXXX ). did not have enough money in their bank account to clear the check or XXXX ). put a stop payment on the check. Although I found their first reason to be ridiculous, I called XXXX XXXX and they confirmed no stop payment and that the check had been cashed, paid, and cleared their account. When I went back to Wells Fargo, they said there was no one could lift a hold and they had no legal department with whom I could direct my attorney to communicate with. I have a contractor who needs the money and waiting an extra week for some made up reason is complete nonsense.I have XXXX children : XXXX, XXXX YO, and XXXX XXXX XXXX XXXX and we need the house fixed.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to a serious breach of my personal and financial information by XXXX  ( my student loan servicer ) and the reporting of unauthorized personal information on my credit reports from XXXX, Equifax, XXXX, XXXX, and XXXX XXXX. 

Description of the Issue : Since early 2025, I have been experiencing ongoing issues with my student loan security and unauthorized credit reporting errors. Upon reviewing my credit reports, I discovered multiple unauthorized and inaccurate pieces of personal information, including : Incorrect addresses and phone numbers Unauthorized employment records Fraudulent accounts or misattributed debts I have never authorized these changes, and my personal data has been compromised without my consent. These errors have directly impacted my consumer profile, financial standing, and personal security. 

Breach of Student Loan Security ( FERPA Violation by XXXX XXXX : As my federal student loan servicer, XXXX is legally required to protect my personal and financial records under the Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ). However, due to their failure to safeguard my records, my student loan information has been compromised, putting me at risk of identity theft and fraud. 

Actions Taken : Since early 2025, I have repeatedly contacted XXXX and my credit bureaus to correct these errors. 
I formally disputed the inaccurate information with XXXX, Equifax, XXXX, XXXX, and XXXX XXXX, but no corrections have been made. 
I demanded validation from XXXX regarding their handling of my student loan records, but no clear response has been provided. 
Despite my efforts, the issue remains unresolved, and my privacy and financial security continue to be at risk.
Product: Debt collection

For the past week I have been receiving calls from ASG, who claim to be a debt collection agency, trying to collect a debt from someone other than myself. I have repeatedly told them they have been calling/texting the wrong number and asked them to take me off their calling list. However, they continue to call/text multiple times a day.
Product: Credit reporting or other personal consumer reports

Hello on XX/XX/24 I submitted a request to XXXX to provide information about some late payments that were listed on my accounts til this day they have yet to respond to my request to fix this. They have not even processed my dispute and currently is ignoring me.
Product: Mortgage

Carrington Mortgage is reporting incorrect information to the credit bureaus. They have failed to correct my account balance and are still reporting an incorrect balance and that I am 30-60 days late on my mortgage and that I owe them money. I do not. I paid my XXXX payment on XX/XX/XXXX because they said they could n't get the money because I did n't put the correct account number which I know I did. I paid my XXXX payment on XX/XX/XXXX. Carrington Mortgage knowingly and unlawfully are not reporting the correct information to the credit bureaus. I believe this is intentional behavior.
Product: Vehicle loan or lease

HELLO, I AM TRYING TO BUY A HOUSE AND NEED A CREDIT BOOST, I AM REQUESTING SANTANA TO HELP BY RE-INSERTING MY ACCOUNT BACK INTO XXXX XXXX AND DOUBLE CHECK XXXX  SEE ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME FRAUDULENT ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE FRAUDULENT ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY THIS INDIVIDUAL TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE FRAUDULENT ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. There are several inquiries and accounts that were opened fraudulently that I didnt authorize. Accounts XXXX XXXX XXXX XXXX XXXX XXXX. Also In accordance with the Fair Credit Reporting act XXXX Account ( XXXX/Transunion/XXXXXXXX ) 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.