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

On XX/XX/year>, I submitted a comprehensive dispute package to Experian regarding several fraudulent accounts that were opened without my knowledge or consent. This package included the following : A police report ( Incident # XXXX ) documenting the fraud. 
A request for GAAP-compliant verification of the disputed accounts. 
Proof of identity, including a government-issued ID, Social Security card , and utility bill. 
An SEC report. 
Despite providing all required documentation, Experian failed to block or remove the fraudulent accounts. Initially, on XX/XX/year>, Experian refused to block the accounts, citing reasons like alleged errors in my submission or the claim that I knowingly benefited from the transactions. On XX/XX/year>, I resubmitted my documentation, this time including a formal FTC Identity Theft Report. However, Experian again refused to act, claiming that the police report was not valid, even though it contained all necessary information, including the officers name, badge number, and incident number. 

By law, under FCRA 1681c-2, Experian is required to block fraudulent information within 4 business days of receiving proper documentation. Despite the comprehensive evidence I provided, Experian violated its legal obligations by failing to take action. Instead of prioritizing consumer protection, Experian appeared to place greater emphasis on maintaining relationships with creditors, effectively prioritizing corporate interests over consumer rights. 

I also filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year> ( CFPB # XXXX ) and another on XX/XX/year> ( CFPB # XXXX ), outlining Experian 's failure to comply with its legal obligations under FCRA. As of today, Experian has not taken any significant action to resolve these issues, and I have experienced financial and reputational harm due to the fraudulent information remaining on my credit report.
Product: Debt collection

I have received unsolicited text messages from Cedars Business Services, who claim I have an unpaid debt I did not incur and who do not have authorization to text me. I received the following today with personal information redacted.

[ name ], Cedars Business Services reminds you of your past due balance of XXXX XXXX from [ ]. View your acct here : [ ]. Use Ref # [ ]. Need help? Call XXXX. This is a communication from Cedars Business Services , LLC, a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Text STOP to opt out
Product: Credit reporting, credit repair services, or other personal consumer reports

O n  XX/XX/XXXX  I open ed a dispute with   XXXX   regarding medical collection accounts that are not mine. I am a   XXXX   veteran who gets medical care from the Veterans Administration. I also contacted the company, the DOB does not match me, neither does the SSN. I requested copies of the alleged bills - they were not provided as it would violate the individuals privacy, the one the bills did belong to. The dispute came back as verified, I appea led on   XX/XX/XXXX . This makes no sense, I can not get copies of the bills because the information does not match me, but it stays on my report anyway. I lost the appeal, said verified again. I contacted the company again, still refuse to provide me the bills because my SSN and DOB do not match the data. The company is Professional Placement Services. Date of service is unknown, but appears to be  XXXX . There are  XXXX  accounts,   XXXX   for {$320.00}, then  XXXX  others at {$100.00} each. I have that listed on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/19, I discovered my XXXX 's account had been closed due to non-use. When I requested it to be reopened, I was told I had to apply for a new card. Every time an account is closed or a new one is opened, it affects one 's credit rating. Why are credit card companies allowed to close an account due to non-use? The XXXX 's card is issued by XXXX XXXX, which issued me a XXXX XXXX credit card. Why can't they check that account to determine my payment history?
Product: Debt collection

Left me multiple vocie message advising that they were serving legal court papers on friday between XXXX for a judgment against me. I could contact XXXX and left a refrence ID most of the time they called private but happened to call with XXXX XXXX of the times.
Product: Credit reporting or other personal consumer reports

This is my second 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXXXXXX XXXX XXXX  {$10000.00} XXXX XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX  : {$22.00} XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXX  {$5300.00} XXXX XXXX XXXXXXXX XXXX XXXX  {$1700.00} XXXX XXXX XXXXXXXX XXXX XXXX {$990.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. As a result of this data breach, on XX/XX/2023 Capital One Bank USA had pulled a hard inquiry on my XXXX credit report without my authorization. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete this illegal Capital One Bank USA hard inquiry from my XXXX credit report. I have submitted at least 4 disputes with XXXX pertaining to this illegal unauthorized Capital One Bank USA hard inquiry and XXXX have not done a THOROUGH INVESTIGATION and XXXX have not contacted Capital One Bank USA about this hard inquiry so that it can be deleted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I received a notification that I had a new inquiry on my credit report. I purposely added a fraud alert on all three credit bureaus a few months ago to avoid this from happening. The credit bureaus are out of control right now and do not care about us consumers. I did not authorize anyone to run my credit for any reason yesterday. The following fraudulent inquiry need to be removed immediately. They are violating my privacy rights by just letting anyone pull my credit. XXXX XXXX XXXX - XXXX/XXXX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to verify and report accurate information on my report once again. They allowed the original lender to falsely create a open and close date for an account that dates back to late XXXX. The account was closed in XX/XX/XXXX. The date they allowed the lender to report is showing XX/XX/XXXX. I am in the middle of a mortgage. If they fail to respond in a timely manner I will take legal action if this causes me any more hardship. Their inability to comply with FCRA guidelines and verify accurate account history and information is unacceptable. The only way that seems to work is getting another party involved.
Product: Mortgage

Wells Fargo Home Mortgage left a message on a home answering machine. Stated this is Wells Fargo Home Mortgage and this a attempt to collect a debt and so on. This home answering machine is shared by other residents in the home. Message was heard by everyone in the house and was very upsetting. I also had guest in the house for dinner that day who overheard the message.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I've observed several deviations from mandatory reporting standards, which raises concerns about the accuracy and completeness of the data in my report. Consequently, I reject the allegations against me and challenge you to provide evidence that justifies reporting this incomplete negative information on my credit report. 

In accordance with 15 U.S.C 1681e, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts with integrity and accuracy. It also requires them to conduct reasonable investigations of consumer disputes, following Metro 2 compliance standards outlined in the CRRG. 

Deviation from these standards jeopardizes the integrity of the data, as emphasized in the CRRG. Any errors in reporting can compromise the accuracy of federally regulated reports. Therefore, I am exercising my rights to challenge these inaccuracies and non-compliant items. Ignoring my request would indicate a disregard for my consumer rights.

It is unjust for you to report unconfirmed and potentially unethical information that does not meet certified reporting standards. I am disputing these claims and demanding proof of proper reporting standards. Your actions are a violation of my rights, as outlined in this document. The incomplete and non-compliant nature of the report does not meet legal standards. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may lead me to escalate these issues to the CFPB, FTC, and my Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date XX/XX/20 I sent a letter regarding inaccurate and unknown items on my credit report. 

To this day, which is over 50 days later, I have not received a response from any of the bureaus. I feel like I'm being taken advantage of and my disputes are being ignored. 

Section 611 ( a ), says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 50 days! 

With that reason, alone, they should be deleted promptly. I demand these accounts be eliminated immediately or I will file for litigation due to the stress the bureaus have caused my life, and family. 

Upon deeper research, I have discovered that I may have been impacted by the Equifax data breach and my information may have gotten into the hands of the wrong person. I need some, serious, urgent help. 

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

After reviewing my reports in XX/XX/2021, I noriced that I had a collection account. I then tried to request verification with no avail. It has now been more than 120 days and still have not received any verification.
Product: Checking or savings account

On XX/XX/2024 I received a text from Wells Fargo asking if I recognized a XXXX purchase for over {$200.00}. I responded " NO '', and called the bank. We went over the last time I used the card, the last time I saw/touched the card was at a parking ramp for {$10.00} on XX/XX/XXXX. I was advised by that representative that the card was deactivated and another card would be mailed and I should receive it in XXXX business days. 
XX/XX/XXXX, I noticed more charges on the card for XXXX XXXX station and a smoke shop. I called again and spoke with an elderly lady, very comforting, and confident that it would be taken care of. She noticed the previous representative DID NOT DEACTIVATE THE CARD. She assured me that the notes were all detailed, and it was documented that the card was not in my possession. I felt that the situation would be handled. 
XX/XX/XXXX - The charges are still deducted from my account, I received a XXXX XXXX in the mail and a provisional credit for {$50.00}. Unsure why, so I call Wells Fargo Fraud again. Was transferred to claims. The representative again assured me that it was being taken care of and took XXXX to XXXX business days. The provisional credit was done backwards ( Wells Fargo gave me money for the transactions I said that I recognized instead of the actual fraudulent charges. ) XX/XX/XXXX - Logged on to my account, and the claim was closed - Called and spoke to Representative XXXX, who shared that Wells Fargo denied the claim because the previous representative stated in her notes that the card is in my procession ( which I reported the card lost on XX/XX/XXXX ). I asked to speak to a supervisor or manager and was transferred to XXXX, who was silent for XXXX minutes during the call, I thought the call was disconnected by the amount of silence, I said " hello '' several times, and just proceeded to give my account of the dispute. I don't feel heard as a customer. I feel cheated, and taken advantage of. I need advocacy, and my money back. I am a single working mother and grandmother. I have never used my card at the locations of the fraudulent charges. I reported them in a timely manner.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Equifax have 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 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 or 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - is not showing an account number plus it has already been paid of and closed i need to know why it is reporting derogatory on my credit report. 

Swiss Colony- is also not showing the correct information as well. it has been paid off and closed for years. Plus it doesn't show any account number on my credit report and is also showing a s a derogatory mark on all 3 credit reports. 


Ginny is another company on the same path as the other 2. It has affected my credit in a negative way and I would like all 3 removed from my credit reports.
Product: Money transfers

On XXXX XXXX I attempted to use PayPal to transfer money to another PayPal ccount as I have done many times in the past. The website has been updated and rather than the usual transfer, PayPal interpreted my request as a request for an e-check issued on my bank rather than transfer from my PayPal account. There were insufficient funds in my account to cover an e-check because I had transferred the money to my PayPal account. My bank charged me {$30.00} for the insufficient funds transaction. I contacted PayPal through their dispute resolution process explaining the problem and asked them to cancel the E-check. Today XXXX XXXX XXXX ), I received a second notification that my bank had charged me a further {$30.00} as PayPal had made a second attempt to withdraw funds from my account. 
I also attempted to contact PayPal through numerous telephone numbers they provided for customer service ( Including the XXXX PayPal provided in their email response to my disput request ). All of these numbers answered with the message " You have reached a non-working number ''. 
i also made a second attempt to transfer money between PayPal accounts. The transaction was sucessful, but failed to display a confirmation page to review the details of my transaction before confirming it. the transaction just went through without the intermediate page. 
There seem to be several problems with this experience .... 
1 The PayPal website apparently misinterpreted the payment type I requested, initially costing me a {$30.00} penalty from my bank. 
2 PayPal acepts no responsibility for potential problems in their new website. 
3 PayPal provides no real-time human help for customer problems or disputes but provides several non-working telephone numbers giving the impression that they provide such a service ( e.g. XXXX XXXX XXXX ). 
4 PayPal ignored my request to cancel the erroneous transaction and incurred a second {$30.00} penalty for me by ignoring that request and submitting the payment request to my bank a second time. They also do not provide a feature on their website to cancel the transaction.
Product: Credit reporting or other personal consumer reports

IN ACCORADNCE IN THE FAIR CREDIT REPORTING ACT. THE LIST OF THE ACCOUNTS BELOW HAS VOLIDATE MY FEDREALLY PROCTECTED CONSUMER RIGHT PIRVACY AND CONFIDENTAILY 15 U.S 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C1681 SECTION 602 A 15 U.S.C 1681SECTION 602 SECTION 2 15 U.S.C 1681C. ( A ) ( 5 ) SECTION 15 U.S.C.1681S-2 ( A ) ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 acopy 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 items are being " reported correctly? Who verified these accounts? You have NOT provided me a copy ofANY original documentation ( a consumer contract with my signature on it ) as requiredunder 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 DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful noncomplying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company 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. Please correct the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX  XXXX XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX