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

It all started when I received a notification on XX/XX/2023 because my profile information on my XXXX account changed. I did not initiate the change. I continued to log in, and my password and the phone number associated with my account were both incorrect. I then continued to click on " forgot username '' and my username got sent to an email address that was not mine. I placed a free fraud alert on my account while this issue was being resolved. I contacted XXXX about this change on XX/XX/2023, faxed them any information needed on XX/XX/2023, and have yet to receive a response about my XXXX account. I also received a letter in the mail on XX/XX/2023 indicating a recent credit card application, that I did not apply for, was denied because they were unable to verify identity information. I have also received a notice of application denial for XXXX XXXX dated XX/XX/2023, for which I have also not applied for a lease. 

I checked my credit score and there was a hard inquiry on my account by XXXX XXXX XXXX XXXX on XX/XX/2023. I disputed this inquiry with Equifax on XX/XX/2023 and received an answer on XX/XX/2023. The results were : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 XXXX XXXX XXXX, XXXX XXXX XXXX I believe whomever gained access to my Experian account applied for a credit card and lease- to-own agreement through XXXX XXXX with my information. I did not apply for any of these and I placed fraud alerts on my accounts and locked my credit score to prevent any further fraud. I called Equifax on XX/XX/2023 to get more information on this dispute and next steps I need to take. This report is a part of those steps.
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$8600.00} - Has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$8600.00} XXXX Has violated my rights XXXX XXXXXXXX - {$0.00} - Has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX XXXX - {$8600.00} -Has violated my rights XXXX XXXX - {$0.00} - Has violated my rights XXXX XXXX - {$0.00} - 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 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.
Product: Debt collection

Multiple concerns and violations of consumer rights : -never investigated my dispute ( now proven that original amount being reported was inaccurate ) -never provided itemized explanation of debt from original creditor - used abusive language over the phone - threatened to ruin my credit over phone - contacted after cease and desist
Product: Money transfer, virtual currency, or money service

I just realized on XX/XX/XXXX of XXXX  I was tricked and scammed into sending money to a person I don't know on Venmo which was in the amount of {$2500.00}. I disputed the transaction and they denied my case.
Product: Debt collection

There is too much information to list here. I have created some files to send. If you read the letter, I wrote to the Attorney that was working on this for me until I was injured at work on XX/XX/2023. I still have not been paid by Workers Compensation yet so I can't afford to pay the Attorney. I would appreciate it if someone could be assigned as my case worker/advocate to assist me in this 20-year-old loan that I thought was paid in full when I had relocated for my job to California and I had not heard from the bank in years. I told the loan officer my situation and we had a verbal agreement that was for me to drop off the vehicle at the bank and he was going to sell it. If there was a loss, he was going to contact me and if profit, he would send a check. The confusing part out of all this is I am paying for a vehicle I dont have in my possession. The bank had my contact information, and it stayed the same for 6 years after I dropped off the vehicle. The bank is no longer in business, and I also suspect that they got into financial trouble, and they are trying to sue anyone they can take advantage of. This bank has also pursued a few other people that I heard of within the last few years. Either this is a scam, or something is really wrong.
Product: Mortgage

We got behind on our mortgage, tried to do a loan modification, kept getting different information from the very many different people we had to talk to. Assigned a customer relations manager that we never got to talk to. Paperwork was mishandled until it got so close they did n't postpone the sale date. Even though underwriters got the paperwork and assigned a code saying it was all correct the day before the sale, they still did n't postpone the sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a creditor reach out to me and let me know that they needed me to " Unlock Experian Credit Report '' and underwriting could not continue until this takes place. I had never heard of this before so I got on experian 's website. There I found some information about security freezes and to call if I had any questions. So I did. I went through their automated system multiple times to find out there is no way to ask a question you can only place a freeze or remove one. To remove on you need a PIN which I never got because I didn't place the freeze, if there is one. I also tried their online portal which got me the same result. So I tried finding other phone numbers to call. In all I called 7 different phone numbers that lead me to the same automated system that will not connect you to anyone for help and hangs up on you when it can't help you. This is unacceptable from a company that controls consumer credit information. I understand they get a lot of phone calls and everyone wants to talk to a person. However, there needs to be a way to actually talk to someone and get answers to why our credit reports have been locked!
Product: Debt collection

I have recently become aware of Wakefield and Associates collection agency reporting dates of service multiple times. As an example, Reporting date XX/XX/21 for date of service XX/XX/21 with multiple reports on my credit report. 2-5 times duplicated of same date of service. There are so many multiples it would be difficult to dispute on my XXXX  and XXXX reports. I contacted two representatives tonight trying to explain my circumstances, to no avail. They kept telling me I had 38 collections. Of course I do, with multiple reporting on the same date of service. All I want is for them to be investigated and multiple reporting taken off my XXXX and XXXX credit reports.
Product: Mortgage

-- XX/XX/year> Request payoff amount from Wells Fargo for Mortgage. Amount is {$4600.00}. Wrote check that day and mailed to Wells Fargo. 
-- XX/XX/year>. Receive email letter from Wells Fargo stating payoff process and amount good till XX/XX/year>. 
-- XX/XX/year> Wells Fargo cashed check for payoff of {$4600.00}. 
-- XX/XX/year> Receive email notice that late charge will be applied to loan if payment not received by XX/XX/XXXX. I called Wells Fargo. Discovered that payoff was mis-applied to escrow instead of payoff. Establish case # XXXX to reapply funds to payoff-not escrow. 
-- XX/XX/year> Called Wells Fargo. Payoff was reprocessed. Will start 30-60 day process for escrow refund and release of lien letter to XXXX XXXX XXXX XXXX. 
-- XX/XX/year> I called Wells Fargo. No late fee will be assessed. Will refund escrow in 30 days. Asked for refund now. Pay off was actually made 40 days ago. 
-- XX/XX/year> I Called Wells Fargo. Escrow will be processed business as usual. Escrow refund processed in 30 days of XX/XX/XXXX. Reminded Wells Fargo that today is XXXX  days since payoff. Establish XXXX case # XXXX to escalate processing date and refund escrow by overnight XXXX XXXX. Stated to Wells Fargo agent, all phone calls have been polite, but that the Financial Institution 's process to resolve errors is flawed with " Business as usual approach '' to errors and that humans are not allowed to resolve issues. I am still waiting for release of lien letter and refund of escrow. 
XXXX XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

i sent a letter to equifax and XXXX on XXXX by usps certified mail # XXXX ; U.S.P.S. CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX ( XXXX ) they received it on XXXX, but never sent me any documents, per 15 usc 1681b.i have also attached a copy of the inaccurate and incomplete account reporting on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE ATTACHED RECEIPT FROM XXXX. XXXX - ACCOUNT PAID IN FULL
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX ....
Product: Credit reporting or other personal consumer reports

I need to inform the company that I have copies of previous credit reports from Experian, XXXX, and XXXX where on XX/XX/year> XXXX showed a credit score of XXXX with credit use at 91 %, Experian on XX/XX/year> showed a XXXX XXXX of XXXX with 53 % credit used, and XXXX on XX/XX/year> a score of XXXX with XXXX  % credit used. I currently have 44 % credit use and my son has XXXX % credit use and our scores are still in the XXXX score range. I have reported the tampering to the FBI for further investigation into why the credit scores are being tampered with at this particular point in time.
Product: Checking or savings account

Hello, I have had a Robinhood account since they launched in XXXX. My account was upgraded to authorize options trading and option spreads, and I've been a paying Robinhood Gold member for several years. I make a handful of trades a week, nothing excessive, no day-trading, no meme stocks, no margins. I even got a small bonus for referring a friend to join Robinhood with my referral code - just a single one who has since put several XXXX dollars into their account, not like posting it to a website and having thousands of strangers or fake accounts sign up. 

On XX/XX/XXXX I sold some option contracts ( I don't think it's relevant, but it was 12 contracts of XXXX {$18.00} Call XXXX ) - just like I've done nearly every Monday since XXXX. Ten minutes later I received an email that my XXXX XXXX  was cancelled, then a cryptic email that stated " We regret to inform you that after careful consideration, Robinhood will no longer support your account. '' I immediately emailed customer support - their phone number only does automated trades, and their live chat is just a bot ; email is the only support option - but didn't hear back. I emailed several more times over the next couple of days. Finally, on XX/XX/XXXX, more than two weeks later, I received a response, saying they were escalating my case and giving me a reference number, XXXX. 

It took another week before a representative going by " XXXX '' finally reached out, XX/XX/XXXX. He informed me that my account was closed, and added, " Please note that this decision remains final and no additional information will be provided. '' I asked several times what was going on and why this was happening, but true to his word XXXX simply stonewalled and refused to provide any answers. 

Because my trading has been basically the same for years, and I don't make many deposits or withdrawals ( I've only made a single withdrawal to date since XXXX ) I believe Robinhood has closed my account as retaliation for my answers to a recent customer survey where I stated that I didn't " trust '' Robinhood as a company - because they use XXXX their priorities naturally put their wholesaler ahead of me as a customer. This seems unethical to me and I want to make sure it comes to light. 

I also want to force Robinhood to explain their reasoning : shutting down an account with no warning and no explanation, and announcing immediately that " this decision remains final, '' is just very sketchy. Refusing to give justification tells me that they have no justification, and their Terms of Service are then meaningless. They have the right not to do business with me for any reason, but if they have no reason they should have to say so - not give me cryptic messages, ignore my support tickets, and leave me in limbo wondering if my normal behavior is somehow going to get me blocked from other platforms. 

As it is, I have no way of telling if I'm being discriminated against, if Robinhood has a rogue employee with a grudge, if they have a bot that just closes accounts randomly, if their database got corrupted, or if something I thought was normal is suspicious. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a credit card account on my credit that does not belong to me through XXXX, XXXX, and Equifax. I did not authorize or had knowledge if this account. Furthermore, once I became aware of it via my credit report I noticed that it is reporting with big questionable errors. It looks fraudulent. It is reporting as XXXX XXXX XXXX account and XXXX account, Please see attached copy of my credit report. I am requesting that this fraudulent account XXXX and XXXX be permanently deleted because neither of them belongs to me effective immediately.
Product: Debt collection

VIOLATOR ID:XXXX  TRANSPONDER #: XXXX  
I REACHED OUT VIA PHONE TO A CUSTOMER SERVICE REPRESENTATIVE ABOUT A $XXXX  NOTICE I RECEIVED FOR TOLL VIOLATIONS. I REQUESTED THE REPRESENTATIVE TO EXPLAIN WHY I HAD ALL THE VIOLATIONS. SHE COULD NOT OR DID NOT WANT TO EXPLAIN TO ME ABOUT THE VIOLATIONS I WAS TOLD TO REACH CUSTOMER SERVICE VIA EMAIL AT: XXXX
I DID ON XX/XX/XXXX THE VIOLATIONS DATE BACK TOXX/XX/XXXX. I HAVE BANK STATEMENTS SHOWING REFILLS ON THE XX/XX/XXXX WITH REPRESENTATIVES AND THROUGH 3RD PARTIES LIKE XX/XX/XXXXOR XX/XX/XXXX. NO ONE RETURNED MY EMAIL SENT. I RESENT AN EMAIL TODAYXX/XX/XXXXXX/XX/XXXX I WILL CONTACT VIA PHONE TOMORROW XX/XX/XXXX I HAVE RECEIVED A NOTICE FROM THE COLLECTION SERVICE XXXX  USES THIS AFTERNOON WITH 10 COLLECTIONS FOR THE CHARGES BEING MADE. NOT EVEN ONE XXXX COLLECTION BUT THE BALANCE DIVIDED IN TO 10. I NEED SOMEONE TO REACH OUT TO ME BECAUSE THIS SITUATION HAS ESCALATED TO A FRAUDULENT COLLECTION CLAIM BEING ISSUED OUT AGAINST ME.
Product: Credit reporting or other personal consumer reports

I have been trying to clear up my credit report history and to achieve a better score and become a first time home buyer. I have been having issues with Experian. They advertise their mobile application for ease of use. I have been a free and a paying customer for the Experian app to check my credit report and credit score, but also to dispute inaccuracies in my report. The mobile app lets you submit a dispute but you when want to add documentation to support your dispute their app does not work. You can click on the button to upload your documentation and it does nothing. You are unable to click reload or to submit documentation after the fact until the investigation is completed, in which then you go do it again and again their button does not work and it is taking an extended amount of time to get things resolved because their application does not work. This has cost me time in fixing my credit to resolved issues on it. They also like to update information to keep showing Charged off accounts as Charge Off status even after the months in which the account was settled and paid therefore completed which should instead show current terms met or no data. I submitted a dispute for an account on XX/XX/2025. I have documentation that the account was paid but was unable to upload it due to their application malfunction. On XX/XX/2025 I just submitted a dispute for a different account and the same thing occurred, this time I attempted from a different mobile device. Experian creates obstacles for disputes and should not be advertising the ease of their application if it does not function properly, but also delay the general public from obtaining a fair, timely and accurate review.
Product: Vehicle loan or lease

It started after my sisters said they were being harassed by phone for my loan. I did not put them as contacts, so Ally should not reach out to them. When I talked to Ally, they said they have their ways to find familial relationships and their numbers. They violated UDAAP as unfair because they failed to protect my information. I didnt give Ally permission to share that. I called to ask for 2-3 weeks, but Ally said they can only do 7 days. I explained that I do not get paid in 7 days but they said thats all they can do. They were not willing to work with my financial situation. I had no choice but to say yes to 7 days because they said thats how they will stop calling my family or they may discuss repossession.
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX - XXXX - XX/XX/XXXX XXXX {$2100.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$4500.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$540.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$3100.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX XXXX {$2800.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$2700.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$3000.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

They are trying to collect a debt that I already disputed with original creditor as fraud related, Original creditor agreed to remove since balance was {$4800.00} on a credit card with a {$2200.00} limit, I have all documentation of the dispute with original creditor. Midland credit managem stated that account was opened on XXXX XXXX, 2020 and bureaus are reporting another different date. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint so that this agency can not claim ignorance of my dispute. These reported items are being reported inaccurately
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I opened a dispute with Experian about my student loan from the Department of Education. This Loan was Opened on XX/XX/XXXX in the amount of XXXX. 

I made a dispute with Experian in XXXX about having the account removed but was unsuccessful. Although the account had a late payment, it has been well over 7 Years from the Opening date. This is having a negative impact on my score which is unfair being that the account is very old. I tried to submit a dispute with Experian again on XX/XX/XXXX, but Experian denied to request because I made a prior dispute. 

The Fair Credit Reporting Act prohibits background screening firms from reporting any arrest record or adverse non-conviction information older than seven years.
Product: Credit reporting or other personal consumer reports

As per XXXX XXXX Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is XXXX. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title XXXX section XXXX. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. XXXX Consumer Financial Protection Bureau. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX Federal Deposit Insurance Corporation. XXXX Comptroller of the Currency. XXXX Federal Reserve System. XXXX XXXX XXXX XXXX XXXX Federal Trade CommissionXXXX  XXXX XXXX XXXX XXXX.