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

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

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

MULTIPLE HARD INQUIRIES WITHOUT MY PERMISSION AGAIN LETTER SENT TO CREDIT BUREAUS AND THEY STATED THESE INACCURATE INQUIRIES WILL STAY ON MY REPORT XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX and Experian Ive submitted a previous complaint with VERIFICATION about my inaccurate student loan payment history and not all of that was corrected Im EXAUSTED with the constant back and forth with the bureaus I just want these inaccuracies that are hendering me with no fault of my own CORRECTED
Product: Credit card

Bank of America credit card. XX/XX/year> I was notified by BofA re : a suspicious charge in XXXX. I confirmed I didn't authorize the charge. They removed it, cancelled my card and said they would send a new card. I called them approximately XX/XX/XXXX to let them know I hadn't received the new card. They overnighted a new card which I received XX/XX/XXXX. I travelled to XXXX XX/XX/XXXX to XX/XX/XXXX. Upon returning home I read my statement and saw many charges I didn't authorize. Between XX/XX/XXXX and XX/XX/XXXX there were 53 charges, totaling {$3600.00} that I hadn't authorized. These charges were in XXXX XXXX XXXX and XXXX, XXXX. I wasn't in XXXX XXXX XXXX XXXX during this time, except XX/XX/XXXX to XXXX. I sent my cell phone records and a statement from a different cc to prove I was not here. From XX/XX/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 XXXXXX/XX/XXXX I called to file a fraud dispute. They ruled that {$900.00} was fraud and that {$2700.00} was not fraud and this amount placed back on my account. I have appealed this 2 times. They have not sent me any documentation as to why they denied the claim. The fraud department refuses to communicate with me directly. They just say the chip was read. I am not an expert in cc fraud, but obviously a card was skimmed or stolen from the mail?? I have proven I couldn't have made those purchases. I did not authorize anyone else. I didn't even have a card yet, it never showed up. It would be impossible for me to use a card that never arrived.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX closed the account they had under my name, but TransUnion is still reporting this account on my consumer report I need them to remove this account off my consumer report. See attached documents for proof that XXXX XXXX XXXX XXXX no longer holds me responsibly for this alleged debt.
Product: Credit card or prepaid card

I used a US Bank XXXX XXXX on my XXXX account as payment. XXXX  did an auto-charge every month for their services. On XX/XX/XXXX I notice the usual charge of {$13.00} on my statement, but there was a duplicate charge of {$13.00} onXX/XX/XXXX. One of the charges was legitimate and I made payment of {$13.00} on XX/XX/XXXX. US Bank add a late fee of {$13.00} on XX/XX/XXXX and added {$2.00} interest being the balance to {$29.00} of My XXXX  statement only has one change of {$13.00} so US bank add additional an charge and fees and refused to correct the account. I canceled my US Bank account, and paid the illegitimate balance to avoid hurting my credit score. This bank is stealing money from their clients.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CAPITALONE Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I need to get a collection an the inquiries off my transunion account that i never authorized.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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 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 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

I am disputing the account listed under XXXX XXXX and an inaccurate address on my credit report because it is not mine, and I have no knowledge of this account. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to dispute inaccurate or fraudulent information on my credit report. I request that this account be removed immediately unless verified with proper documentation. If Experian can not verify the accuracy of this account, it must be deleted per FCRA regulations. I am willing to provide any necessary information to assist in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX will an online dispute from me. wrote them with no reply
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting another CFPB Complaint to you today to request once more to thoroughly investigate my Credit File and correct the erroneous information you report on my Credit File. Under the Fair Credit reporting Act, you must investigate a consumer 's Credit File and correct the erroneous information. I checked my Credit File and I see no changes at all. You have not complied with the request and the federal law. You continued reporting the disputed accounts as if they are accurate and verified. I previously requested that you send me copies of your investigation but you have not! I, once again, would like to request that you correct the following accounts as soon as possible ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$710.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX  XXXX Balance Owed : {$79.00} XXXXXXXX XXXX XXXX Balance Owed : {$26.00} XXXX I demand you to comply with the Federal law and have the disputed accounts corrected as soon as possible.
Product: Money transfer, virtual currency, or money service

I am filing a complain 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 measures 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 acts have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago I reviewed a copy of my Experian credit report where I noticed an account that is reporting inaccurately. It is showing I paid late but that is not true I have not paid late and I have contacted the creditor which continues to tell me to contact the bureaus to correct this erroneous information on my report. Ive contacted Experian multiple times via mail and telephone, yet they have not yet fixed their inaccurate reporting! As I am aware by researching, these inaccuracies on my report are a violation of the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j the creditor must provide me with PROOF that I was indeed late but they CAN NOT. And it also fall under 15 U.S Code 1666 ( b ) billing error- 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to obligor. 
5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
Experian is violating the following FCRA law by reporting this inaccurate data : : Misleading False Reporting : This account is negatively and inaccurately reporting, failing to comply with 15 U.S.C 1681. Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant. Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. These bureaus are violating multiple FCRA, FCBA laws and i want them to correct this inaccurate data as soon as possible because it is detrimental to my credit score, which is causing me great stress to me and my family and affecting our ability to grow financially and obtain a home loan.
Product: Money transfer, virtual currency, or money service

On XX/XX/18, I was the victim of a " virtual kidnapping '' fraud scam. A caller told me my father was in a car accident, which had seriously injured a child family member of violent criminals, and had resulted in a confrontation that led to my father being kidnapped. The caller was able to produce personal information about me and my father and, positioning himself as a reluctant but influential member of the violent criminal gang, was offering to broker a release for my father from his alleged kidnapping for {$3000.00}. He threatened that my father would most likely be killed, and that only through the caller 's intervention was my father 's life being spared. He threatened my father 's XXXX  unless I paid {$3000.00}, or if I hung up the phone, or if I made any attempt to contact my father. The caller advised me to make an international money transfer to his family-member in XXXX XXXX using XXXX XXXX, which had security protocols to prevent such a transfer ( by requiring me to call their XXXX number before finishing the transfer, which discouraged the caller from pursuing this option ). 

The caller then asked me to make multiple transfers through MoneyGram, and I made four transfers ( the transactions : {$910.00} : Reference # XXXX at XXXX to XXXX XXXX XXXX XXXX XXXX ; # XXXX at XXXX to XXXX XXXX XXXX XXXX XXXX , which the caller reported had failed ; {$910.00} : # XXXX at XXXX to XXXX XXXX XXXX XXXX ; {$890.00} : # XXXX at XXXX to XXXX XXXX XXXX XXXX ) . At this point, the caller continued to ask for more money and to make additional threats, changing the scenario he had presented earlier. I risked contacting my family and realized that my father was safe. I hung up on the caller, who then sent me a threatening text message. 

I filed a police report with my local police department and went to my bank to see if it was possible to prevent the transactions or recover the funds. The banker called MoneyGram 's customer service associate, who told me and the banker that it was not possible to recover three of the four transactions but that the second failed transaction would be refunded to my debit card. The purpose of this complaint is that the promised refund for the second transaction has not happened despite the passage of 96 hours since my call with MoneyGram 's service associate. In addition, I have now learned that this is a common scam. I would recommend that MoneyGram implement security protocols so that it is not abetting fraudulent victimization of customers in the future. As I reflect from my experience, I would imagine that such protocols could include subjecting transactions to a confirmation with MoneyGram 's call center ( similar to what XXXX XXXX successfully implemented in this case ) if they are international transfers to a location known to host such scams, if they are sent by first-time senders, and if meeting these considerations are at a transaction amount slightly below {$1000.00} and especially if repeat transactions, it would be helpful to consumers and helpful to the rule of law for MoneyGram to invoke some kind of protective measure.
Product: Credit reporting

I had a mortgage account ( XXXX ) with XXXX XXXX XXXX XXXX for a residential property ( XXXX, XXXX , XXXX ) which originated in XXXX. I was late on some payments due to loss of business income. The property was underwater - I owed more than the value of the home after the economic recession of XXXX. I attempted in good faith to apply for forbearance or a loan modification. I believe XXXX misapplied payments and was charging more than was owed as far as penalties, etc. In XXXX, XXXX foreclosed on the property - the loss mitigation department insisted we had not complied with all the necessary paperwork which is false. We chose not to sue or take the case to court as we wanted to move on. XXXX ( and XXXX XXXX XXXX ) has since settled with the CFPB and state attorneys general to provide {$120.00} XXXX in refunds to foreclosure victims. I do not qualify as my home was foreclosed on after XXXX XXXX, XXXX. However, this foreclosure was fraudulent as far as XXXX 's use of robosigning documents, etc. Therefore, this item should be taken off my credit report immediately. I have contacted both Transunion and XXXX to explain why this should be taken off my credit and they have not only failed to do so but did not explain why or outline what steps they had taken to investigate with XXXX. Unfortunately, in the intervening years, I did not keep copies of my loan modification paperwork with XXXX.
Product: Vehicle loan or lease

I was contacted by an agent who requested payment on my loan XXXX. I made payment arrangements consisting of XXXX payments of {$420.00} each. I was contacted the following week and advised that arrangements needed to be made on my account. I advised the representative that arrangements had already been made ; we ended the call. 
I received a XXXX call from CIG within the hour asking for payment to which I advised that an arrangement had already been set. I received a XXXX call appx XXXX hours later from CIG requesting payment to which I advised arrangements were set. 

On the XXXX of XXXX CIG accessed an account from a XXXX party without authorization and stole {$850.00} to apply to my account. The 3rd party used their information to make a one time payment on my accounts months prior. The 3rd party contacted me to advise that {$850.00} dollars was stolen from her account by CIG and demanded the return of the funds immediately. 

I contacted CIG and spoke to a supervisor who reviewed notes, information, and calls regarding the payment arrangement in the early morning hours, It was confirmed that the payment for {$850.00} was taken without authorization. I advised the supervisor that I would call back after I spoke to the 3rd party to calm her down and to make arrangements to give her {$850.00} to prevent her account from accruing fees. 
Upon calling the supervisor back, I was advised that he would delete the payment method ( the stolen account information ) and set-up a call for Monday to 'see what happened '. The supervisor also provided XXXX methods of having the stolen funds returned immediately : : he could return via the system which would take up to XXXX business days or the 3rd party could handle through her bank. I opted for the return of the funds within 7 days having already made arrangements to give the 3rd party {$850.00}. 

The reason for the complaint is that XXXX XXXX threatened to repossess my vehicle. I was unaware that the account was delinquent and still waiting for communication with the company as they failed to return the stolen {$850.00}. I was reviewing the account with a representative when XXXX XXXX took over the call and repeatedly threatened to repossess my vehicle. I disconnected the call and called CIG back 3 times because the calls continued to go to XXXX XXXX. 
The 3rd party rejected the payment through her bank after 14 days of not getting her money back. 

There was unlawful activity and a number of FDCPA violations committed by CIG from XXXX XX/XX/22 to which I'm filing a formal complaint. I'm asking for compensation for each unlawful act and FDCPA violation.
Product: Mortgage

I sent a payment to PennyMac to bring my escrow account into the positive after my year-end review. The payment was sent with a note specifically stating that the money was to be directed towards the escrow and not as a regular monthly payment. I sent a message through their online portal to address the issue on XX/XX/XXXX. However, I have received no follow up from PennyMac and I do not wish to communicate over the phone as I have done that in the past and been told the wrong information, which I could not prove since there was no 'record ' of the conversation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2025 Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX '' on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Inaccuracies and Violations : Account Balance and Past Due Amount Discrepancy The account reports a balance of {$850.00} while also reflecting a past due amount of {$170.00}. These inconsistencies violate 15 U.S.C. 1681e ( b ), which mandates accurate reporting. 
Incorrect Payment History The account reflects a payment status of " XXXX days late '' and " XXXX days late '' despite being closed. Reporting late payments after account closure can be misleading and negatively impacts my credit score. 
Remarks Indicating Dispute Resolved by Grantor The remarks state " Dispute resolved reported by grantor, '' which implies previous dispute activity, yet errors remain. This indicates a failure to properly investigate under 15 U.S.C. 1681i ( a ).

Unverified Account Closure by Creditor The report states the " Account closed by credit grantor, '' but there is no proof that this closure was initiated by the creditor rather than voluntarily by me. 
Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report. 
Provide written confirmation of removal within five ( 5 ) days.

Cease further reporting of this inaccurate information to avoid further legal liability.

Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a certified letter to XXXX, XXXX, and Equifax. In that letter, I pointed out multiple violations and inaccuracies contained on my credit report from creditor XXXX XXXX, account number XXXX. The incorrect information being reported is coming from the same creditor, so why do we have such incongruent information across all three credit bureaus. Everything is all over the place, we have different date last active, we have a different date last paid, we have different credit limits, we have a totally incongruent payment history. My dispute dated XX/XX/2022 came back as verified but the incorrect information has not been updated.