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

XXXX XXXX, XXXX and Experian are all listing incorrect information on their sites ( and XXXX XXXX ) picks it up and lists this information on its site. 

Specifically : 1. they are listing my account with XXXXXXXX XXXX as closed, when it should state " Paid In Full ''. 
2. They are listing I owes XXXX XXXX {$39.00}, XXXX unpaid money. This is incorrect and I have contested and sent collaborating evidence, yet they continue to list this. 
3. I am also listed as having 175 credit cards. In the past I had approximately 4-5 credit cards total and presently only two.

Finally, every time I contest the erroneous information they use these old accounts as a reason to drop my credit score. Also every time I use my credit card, even though I pay the balance off edarly - prior to the due date, they drop my credit score.

They are doing this to get me to buy in to their services, i.e. applying for credit cards they advertise and support on their sites. Since I told them that I was not interested in their products they have continuously dropped my credit score while continuing to bombard me with requests/emails to buy their products.

They are causing me to lose financial opportunities and are crushing any chances I have of applying for a home, apply for bonding and most importantly, trying to break my spirit.

I just checked again to day and they dropped my credit score again. I need your help to make this stop. 

I have backup information for XXXX and XXXX if you wish to have them. 

Thank you for your time and effort.
Product: Mortgage

I am a first time home buyer and after months of searching, found a house. We wanted to move on it quickly and our realtor suggested using Mortgage America because she had worked with them in the past ( though I never gave verbal consent to using this company ). Our offer was accepted and everything was fine until 2 weeks out from closing when the underwriter asked for several documents ( attached ). I had started a new job at the end of XXXX and had 1 paystub at the time of the email so after providing a signed offer letter from my supervisor, the company requested additional documentation. Anytime I sent documents, I was told they needed something else. I attempted at least 5 times to speak with the underwriter over the phone but was always told she was unavailable. I also spoke with 6 different people during this process who told me different things on what was acceptable documentation but when asked to have a conference call, no one responded. After being suggested I put my down payment money towards paying off student loans two days before closing, I asked for my application to be pulled. There is so much more to say but not enough room ; simply put, they made me jump through hoops the entire time and the underwriter never returned my phone calls.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I initially contacted CAC Financial Corp, who is a debt collector to validate two accounts linked to medical debt. I asked them to provide me with the instrument proposing to be a lien over the account debtor. They were not able to provide me with proof that they purchased the debt, or whether the debt remained. I also told them that we did not have a contractual agreement and that they did not have my consent to use any of my information for reporting to the credit reporting agencies. 

Yesterday, XX/XX/2025, I spoke with a representative and advised them of the CFPBs new ruling about medical debt. In XX/XX/2025 the Consumer Financial Protection Bureau ( CFPB ) finalized a federal rule to prohibit the use of medical debt in credit reports. The text of the CFPB 's final rule on prohibiting medical debt from appearing on credit reports. 

The CFPB 's new rule amends Regulation V, which implements the Fair Credit Reporting Act ( FCRA ), to end this exception and establish guardrails for credit reporting companies, prohibiting them from including medical bills on credit reports. Referenced from 12 CFR Part 1022 Sections 1022.3, 1022.30, and 1022.38. 

They have refused to remove the debt, and are continuing their efforts to collect. The code recognizes this type of behavior as willful noncompliance. Willful noncompliance is nothing but fraudulent representation. Failure to correct or remove verifiable errors, intentional or reckless misrepresentation etc, all fall under that umbrella. I am filling a complaint and have made a good faith effort to resolve this matter with CAC Financial Corp, who has already faced a multitude of lawsuits for their noncompliance, before I join the collective of individuals who have already sued them, in Federal Court for my damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account EQUIFAX reporting XXXX  Account # XXXX Bal Date XX/XX/22 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 an account without my written instructions
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/XXXX I went to XXXX to have my transmission fixed. XXXX said that they could finance me and put me in touch with American first financial. And I was able to get a loan through American first financial {$70.00} down and {$110.00} biweekly. The total loan was {$2000.00}. I was looking through my paperwork and seen that from XX/XX/XXXX to XX/XX/XXXX only {$200.00} was posted and taken off of the actual principal. I called American first financial on XX/XX/XXXX. The representative said I would had to pay it off within 101 days in order not to get any extra charges. Then the representative came back and told me if I would pay {$700.00} they would call it even. I declined as I wanted to get home and look at my contract. The representative told me that they were fees and not interest rates. 
I got home and the Annual percentage rate is 144.56 %. So Im alone thats {$2000.00} XXXX end up paying {$6000.00} If I continue to pay it until XX/XX/XXXX. 
I also called XXXX I did the work on my transmission and referred me to this third-party lender. I asked XXXX who answered the phone at XXXX who said she was the manager why would you send your customers to such a scam loan place that is deceitful and are praying on people who are in desperate need of getting their car fixed. XXXX from XXXX were not speak with me and hung up on me. That was on XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX   {$2400.00} not mine, no knowledge of accounts hippa violations
Product: Credit reporting or other personal consumer reports

Once again I am unable to access my credit report online via the Transunion website. It says it is not accessible. I had this issue with Transunion about XXXX  months ago and now its saying the same thing. I need my current credit report and can not even access it on their website. I had to reachout to them and ask them to mail me one because they didnt know why it was not accessible.
Product: Credit card or prepaid card

In XXXX of XXXX, my Synchrony bank Ashley Furniture credit card was charged ~ {$500.00} for a purchase that I did not make. Ashley Furniture told me that it was in Synchrony 's hands because they can not prove that I made the purchase ( since the charge was fraudulent ). Synchrony told me that they would dispute it and send it to the fraud department. The fraud department refunded the account and created a new account for me so that I could pay off what I owed on a previous purchase I DID make. Once I paid the card off, I tried to close the account by calling. They informed me that I still had charges on the account and the previous fraudulent charges magically migrated to the new account. Again, Synchrony sent it to be disputed, but this time ruled in favor of Ashley Furniture since I could not provide a receipt ( for something I never purchased ). I have since been trying to resolve this issue every couple of months hoping for them to right their wrong and just remove the fraudulent charge. Now on XX/XX/XXXX, I am still getting calls from Synchrony ( mind you, for some reason, I've yet to be sent to collections for this ) and when I threatened to get a lawyer involved, they claimed to have a purchase order but could not tell me whose name was on it, how much it was for, etc. When I told them that I never signed a purchase order and this was the first time this has been mentioned, they put me on hold for about an hour before I had to hang up because I am currently XXXX and had to work.
Product: Checking or savings account

On XX/XX/27 someone logged into my cashapp account on a new device. I got the e-mail and instantly clicked that it wasn't me. A {$3600.00} payment went through that I did not authorize and tried to stop. XXXX wouldn't help me, I did a claim with Wells Fargo and it took over 3 months for them to finally say they declined the claim. I didn't approve this and this is a large sum of money I am owed. I provided them proof and they still ignored me and sided with XXXX. Wells Fargo and cashapp have been very rude and not helpful at all. Please help me. I've had Wells Fargo for 14 years now and they're the biggest mistake I've made, I will be switching accounts after this is resolved.
Product: Credit card or prepaid card

The fact that I always make timely payments on this account is causing me a great deal of XXXX I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it.
Product: Credit card or prepaid card

on the XX/XX/XXXX I called social security which social security told me that direct Express has my payment since XX/XX/2019 I have yet to receive my card. Every time I call they can not verify my account not only that I sent in my identification twice and still have yet to receive my card I paid {$27.00} to have a extradited twice by XXXX is still haven't received my card my whole social security check is on this card and have not received my card please I need a solution
Product: Credit reporting or other personal consumer reports

I am having troubles with Equifax to verify my identity since XXXX. They asked me to mail a copy of my documents ( ID and SSN ) and a cover letter, what I did. I even put a tracking number thru XXXX and I saw they received my documents on XX/XX/XXXX. They said would take XXXX business days to work on my documents but since then I am trying to solve this issue and they say that there are no documents on my file. What is pretty irresponsible because those documents contain sensitive information. I want to unlock my credit report that has been on freeze forever but I am just not being able too because of them. They are not helping me and it has been such a hassle. I dont have access to my credit report and they just tell me either to wait or mail my documents again, what I am not going to do because they have to take their responsibility. And about waiting it is all that I have been doing for almost a month already and I got no answer from their end. 

I ALREADY COMPLAINED AND THEY DIDNT EVEN READ WHAT I SAID BECAUSE THEY ASKED ME TO SEND THE DOCUMENTS OVER AGAIN WHAT I AM NOT GOING TO DO BECAUSE I SAW ON THE TRACKING NUMBER XXXX THEY RECEIVED MY DOCUMENTS INCLUDING A HANDWRITTEN LETTER, COPY OF MY SSN AND COPY OF MY GOVERNMENT-ISSUED ID. I WANT THEM TO TAKE A BETTER LOOK IN THEIR MAILBOX OR I AM GOING TO SUE THEM!!!!!!!! I SENT THE DOCUMENTS AND LETTER ON XXXX. THRU THE TRACKING NUMBER I SAW THEY RECEIVED THOSE DOCUMENTS ON XX/XX/XXXX IN THE XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

These accounts are reporting fraudulently. Please remove them immediately.
Product: Debt collection

Resurgent Capital Services, as a non affiliate third party to XXXX XXXX XXXX, Resurgent has possession of my nonpublic information and is trying to extort me for {$1300.00} by communicating to the credit reporting agencies. The company purchased my nonpublic information and the alleged debt from XXXX XXXX XXXX. Via the CFPB COMPLAINT # XXXX Resurgent sent a letter stating they validated the debt and sent statements with my sensitive nonpublic information and an unsigned card agreement with no opt out form as proof of validation. Federal courts ruled in XXXXXXXX XXXX XXXX XXXX XXXXXXXX, that the account and general ledger statement signed under penalty and perjury and dated by the party responsible for maintaining the account is proper validation. Resurgent has misrepresented the character of the debt and committed aggravated identity theft. Also, they are unlawfully attempting to do business non licensed and non bonded in the state of New Jersey, which I s prohibited from attempting to collect a debt as a debt collector. These are multiple violations that are subject to monetary relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a paid judgment of my credit report in the amount of {$1200.00} da ted  X/14 . I ha ve mailed copies to all  XXXX  credit bureaus ( Equifax,  XXXX  and  XXXX   ) s howing proof that I won this case back in    2014 I beli eve. They only show it being paid and have not removed from my report. It clearly states in the final judgement  " Counter Claim Offset '' so Im not su re why this is listed on my credit report and I would like this information to be removed because it is affecting my credit score although is paid.
Product: Credit reporting 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 told Experian, XXXX, and XXXX to reinvestigate these 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX - 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. 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. 
The FCRA
Product: Debt collection

Dear cfpb, I, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts owed are fruad for the following items : XX/XX/XXXX Party Owed : XXXX XXXX Amount : $ {$140.00} Account # XXXX XX/XX/XXXX Party Owed : XXXX Amount XXXX $ {$140.00} Account # XXXX XX/XX/XXXX Party Owed : XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX ) Amount : XXXX {$2300.00} Account # XXXX I am a victim of fraud and this is not my account, and I want it removed immediately under 42 U.S code subsection 12203, Ucc1 308 FCRA, FCRA 15 USC 1681,1692 , 18 USC 1028A, 15 usc 1605 TILA act I am disputing this claim due to : account FRAUDULENT and I Am REQUESTING it to be removed immediately This is my official request to have the aforementioned items to be deleted off my credit report. Enclosed may be additional evidence to support my claim. 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of 39 605B - 15 U.S.C. 1681c-2 Unauthorized Use of Personal Information : ** If someone illegally obtains your personal details ( such as through a data breach or phishing scam ), they might use it to apply for credit. 2. Creditors Reporting Accounts : ** These unauthorized accounts are reported to credit bureaus by the lender, leading to negative items ( like debt, late payments, or collections ) appearing on your credit report. 3. Aggravated Identity Theft Crime : ** Since your identity was used to commit fraud ( such as applying for credit ), this qualifies as aggravated identity theft under **18 USC 1028A**, which covers identity theft committed by other criminal acts, like fraud. ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO TRANSUNION XXXX
Product: Money transfer, virtual currency, or money service

I was scammed. Specifically a rental scam for a property that I wanted to move into in XXXX. I requested to get my money back through my bank Chime ( which is how the {$950.00} security deposit and {$80.00} application fee were transferred through ) and they said they couldn't help me. I've even been working with the police and the police said to give them the case number if they were being difficult. Chime also said they would have someone contact me about the fraud that was committed but nobody did. It's been a very frustrating experience. I was told the security deposit was refundable but the scammers obviously have not sent my money back or else I wouldn't be filing this report.
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 require the Equifax 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. On XX/XX/year>, after not checking my credit report for over 10 years, I discovered a fraudulent, inaccurate, and false account listed under XXXX XXXX  with the account number ( XXXX ). I do not recognize this account, nor did I authorize its creation or any related activity. I feel unsafe knowing that my personal information has been compromised and misused. This fraudulent account must be removed from my credit report immediately to prevent further damage and stress. Please find attached account in question as well as a copy of my consumer XXXX credit report, which shows the fraudulent items. Additionally, I have included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that these accounts, collections, are indeed the result of identity theft and fraud. I request your urgent action to resolve this matter and block the fraudulent information as stipulated by law. Thank you for your prompt attention to this serious issue.
Product: Credit card or prepaid card

UNSOLICITED DEBIT CARD FROM XXXX XXXX  ... XXXX.I received a DEBIT CARD from XXXX XXXX that I never applied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted dispute letters on XX/XX/2020 and have yet to receive any indication that an investigation has started. I feel like I'm being taken advantage of. To my knowledge the bureaus are supposed to respond with results within 30 days. It's going on day 40 and I haven't heard anything. The information being reported on my credit file is completely unverifiable and inaccurate and should be deleted immediately. I have called numerous times about this matter. Please expedite the process, I am in distress.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002. 142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair CreditReportingAct.
Product: Debt collection

Contact Pollack & Rosen P.A.for a payoff statement that has not been provided. What was sent was the original default amount plus court costs but not the interest to satisfy the judgement against me.
Product: Debt collection

I NOTICED IN MY CREDIT REPORT THAT THIS COMPANY SEQUIUN ASSET SOLUTIONS KEEP REPORTING TO THE ALL 3 MAJOR CREDIT BUREAUS THE LAST TIME WAS XX/XX/year> I NEVER RECEIVE A LETTER BY THEM OR GIVEN ANY PERMITION OR CONSENT TO DO THIS ACCORDIND TO THE U.S 15 USC 1692C ITS IS ILEGAL FOR A COLLECTION COMPANY TO KEEP REPORTING TO THE CREDIT BURREAUS WITH MY CONSENT OR PERMITION PLEASE VERIFY THIS AND DELETE THIS FROM MY ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with Experian regarding disputing inquiries on my report that I did not authorize for the information to be furnished. This is Identity theft and I have filed a complaint with the FTC on XX/XX/2022 the reference # is XXXX Experian refuse to remove the inquiries stating they will remain for 2 years when I never authorized the inquiries to be furnished. Experian has broken the law continually. According to 15 USC1581c-2 Block of information resulting from identity theft. 

The inquiries are 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  which I have never authorized to be furnished on my consumer report. 
. 
This is my second certified letter to Experian. and these are the violations below. 


15 USC1581c-2 USC1581 ( a ) 1-4 15 USC 1679- ( a ) Disclosure required 15 U.S. Code 1681i-Procedure in case of disputed accuracy