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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX open date XX/XX/XXXX Inquiry XXXX XXXXXXXX XXXX XXXX open date XX/XX/XXXX Inquiry : XXXX XXXXXXXX XXXX open date XX/XX/XXXX Inquiry : XXXX XXXX XXXX  open date XX/XX/XXXX Inquiry : XXXX XXXX XXXX  open date XX/XX/XXXX Inquiry : XXXX  XXXX open date XX/XX/XXXX Inquiry : XXXX  open date XX/XX/XXXX Inquiry : XXXX open date XX/XX/XXXX Inquiry : XXXX open XXXX XX/XX/XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting or other personal consumer reports

Please remove this fraudulent accounts found on my consumer reports. 

You have been re-aging my accounts which is a violation of the fcra please delete this account as its hurting my ability to obtain credit in good faith You are also reporting XXXX month terms collection accounts dont have payment terms delete accounts immediately for inaccurate reporting if this keeps being reported you are in vioalation of the fcra You never notified me before parking this on my consumer reports you are in violation of the fcra and fdcpa delete immediately Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A person representing XXXX XXXX XXXX, inbound call received from XXXX XXXX XXXX XXXX contacted relatives indicating they are a collection agency and have not been able to locate or contact me regarding an unpaid debt. Additionally, said correspondent indicated numerous messages had been left and I have failed to return the calls. Truth is, the countless call and messages were apparently left on my mother 's personal cell phone and home phone, not mine and may very well have exceeded the maximum number of attempts that can be made in a given day. Furthermore, while trying to intimidate an elderly woman into disclosing additional information without success, instructed my mother to contact me and the representative of XXXX XXXX XXXX would be in touch with her again later in the afternoon to confirm the message had been relayed. Besides the ethic standards by which this company operates, XXXX XXXX XXXX through it 's employees have violated my privacy and at least XXXX sections within federal Fair Debit Collection laws, including section 804 ( acquisition of location information ) & 805 ( b ) Communication with Third Parties. Furthermore, XXXX XXXX XXXX is representing itself as an agent on behalf of American Express.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to negligent noncompliance with the Fair Credit Reporting Act ( FCRA ) by both Experian and XXXX regarding inaccurate late payments and collection accounts on my credit report. 

On XX/XX/2025, I submitted formal disputes to both credit bureaus requesting a reinvestigation of inaccurate, unverifiable, and outdated negative items under 15 U.S.C. 1681i ( a ). Despite providing supporting documentation and requesting proper validation, both companies failed to conduct a reasonable reinvestigation as required by law. 

The inaccurate items remained on my report without proper verification or correction, and I was not provided with any valid proof that the disputed accounts were accurately reported. 

I have taken multiple actions, including : Submitting disputes in writing with supporting documentation Following up with both Experian and XXXX for a status update Requesting a clear explanation of their verification process Asking for proof of accuracy, which was not provided Despite my efforts, the credit bureaus have continued reporting inaccurate late payments and collections, which have negatively impacted my credit score and financial opportunities. Their failure to ensure accuracy ( 15 U.S.C. 1681e ( b ) ) and failure to properly reinvestigate my disputes ( 15 U.S.C. 1681i ( a ) ) constitute negligent violations of the FCRA under 15 U.S.C. 1681o. 

Resolution Sought I request that the Consumer Financial Protection Bureau ( CFPB ) investigate Experian and XXXX noncompliance and require them to : 1. Immediately delete or correct all inaccurate, unverifiable, and outdated late payments and collection accounts 2. Provide documented proof that these accounts were properly investigated and verified 3. Ensure future compliance with FCRA regulations to prevent continued harm If Experian and XXXX fail to comply, I am prepared to escalate this matter further through legal action for damages under 15 U.S.C. 1681n and 1681o.
Product: Debt collection

Midland credit management has been calling my phone incessantly and threatening to take me to court. They are also reporting 2 accounts as open in all 3 of my credit reports which is a violation of the FCRA. They are reporting themselves as the original creditor which is also not true.
Product: Debt collection

This negative collection account by Credit Collection Services was reported to the credit bureaus, and added to my credit report. I have NO KNOWLEDGE of this debt, and have never personally had an account with Credit Collection Service. 



I also search up on the XXXX  website to verify if this company Credit Collection Service ( CCS XXXX XXXX ) is legally licensed to collect any debts for the state of South Carolina, where I reside as a resident and they do not currently have a Couth Carolina license. 

Any attempts that CCS XXXX, XXXX is making to collect on a debt within South Carolina would be considered illegal due to no license. This is fraud.
Product: Credit card or prepaid card

I did a promo with home depot with 6 months no interest rate, didn't know I had to pay the whole balance in order to get the promo, now they hit me with an outrageous interest rate because I didn't pay within 6 months please help with the outrageous add-on interest rate charge
Product: Debt collection

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my report or I shall proceed with involving my attorney!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter via certified mail to have XXXX  XXXX XXXX Acct. # XXXX {$240.00} to be deleted from my credit report. Dispute letter was mailed XX/XX/2019. This account is still showing up on my credit report as of today XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my Navient account through XXXX, I noticed student loan accounts in my name from the University XXXX XXXX, XXXX. 

I never attended the University XXXX XXXX XXXX in my life and have never taken courses at the university. Most importantly, I never applied for financial aid and/or take out student loans through the University XXXX XXXX XXXX. 

I believe someone committed fraud and stole my identity to perpetrate this massive crime in my name at the University XXXX XXXX   XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some items that are not mine. The Following Personal information appearing on my report are incorrect. Also, the following inquiries appearing on my credit report are unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing these inquiries. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. According to FCRA section 605b, the credit bureaus must block or delete any items mentioned in an identity theft report. To aid with the blocking of the fraudulent items that were discovered on my report, I have included some documents. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied to Quicken Loans for a refinance, combining a 1st and 2nd mortgage in XX/XX/XXXX Although I found the process extremely invasive, at first everything went smoothly due to my excellent credit. I was offered a conventional loan which I found acceptable. 
After about 6 weeks, my closing was scheduled on XX/XX/XXXX However, IMMEDIATELY after closing was scheduled, a judgement " suddenly '' appeared against my ex-wife. I had been divorced for 4 years at this point. 
I had submitted a Divorce Decree, and a notarized Quit Claim Deed to Quicken, which clearly removed my ex-wife from all claims to the property. None of this was honored. 
I believe that Quicken knew about this judgement, and colluded with my 2nd lien holder to make it appear, so that I would be pressured in to financing it. 
Quicken then made an offer which required me to pay for my ex-wife 's judgement at closing. I rejected this offer, expressed my extreme distrust, and indicated that I was done with Quicken.

In spite of my rejection of them, and expression of distrust, Quicken then offered me another product, an FHA loan, which was completely unacceptable, and which I outright rejected. 
So, after a mysterious judgement suddenly appearing, and my subsequent rejection of Quickens offers, they send me a letter saying that I was " Denied '' financing due to my credit. 
I rejected them, repeatedly, yet they are reporting that they denied me! Furthermore, they said that they would not report this to any Credit Bureau! 
How is this possible? How are they able to lie like this? 
I have entire email streams that prove they were consistently trying to finance me, and that prove that I flatly rejected them. At the time that they created this fiction, my credit score was XXXX. 
My complaint is that Quicken has lied about the nature of the refinance not happening, and that they knew about a pending judgement, but hoped to use it to their advantage. 
I've attached documents which prove that they created a false pretense for the refi not happening
Product: Debt collection

Lvnv reporting to all credit beru with the wrong amount statement not own
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update the following items that are harming my credit : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Mortgage

Rocket Mortgage has tried to slam me into agreeing to a refinancing my mortgage. They wouldn't tell me the cost of the refinance they suggested, and when I said no they won't stop calling me at work. I have contacted them and asked them to stop calling me at work. They have refused.
Product: Credit card or prepaid card

I send disputed letters with ALL documents to BOA BOA accepted my disputed letters & All documents and said " not worry for your charges '' and I received part of my money back today I received denied letter from BOA I email to BOA CEO & Attorney General consumer in NY as well as call CFPB ( XXXX ) pls prevent this scam for All Students & help me to get money back Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

InXX/XX/XXXX i noticed someone using my information to try and get things in my name as a result I have over 10 hard inquiries on my XXXX and Equifax report. Anything fromXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXare all part of the fraud with exception of XXXX XXXX XXXX XXXX which is mine from a car loan an XXXX. I disputed all inquiries with all 3 credit reports and only experion has deleted them. XXXX and Equifax both denied my claims and they are in violation of my rights and of FCRA. I was told by both reporting agency that my information was part of their breach now my credit scores are affected and they will not do any thing to help me.
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX dealer XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I never applied for any of the items. I called Equifax and asked them to dispute the items along with a police report and they said that they cant do anything. The items are fraudulent on my credit report and its stopping me from obtaining things I need to do in life to better my family. Some items are reporting twice on my report. FCRA requires that all items are supposed to only report one time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Accounts opened in the amounts of : {$690.00} XXXX XXXX Accounts opened in the amounts of : {$880.00}. 
This letter is being sent to you in response to notices seen on credit report and more importantly, due to your erroneous reporting. Its has highly made a negative impact my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just by creating an account I was automatically subscribed and billed to a {$19.00} fee for a useless service.

These are the steps shown on the screen during account creation. There is no mentioning of a fee or any order button at any point in time.

Step 1 Tell us about yourself Step 2 Create your account Step 3 Verify your identity I tried to get help from the customer service and they said they can't help me with a refund. 

Here is the link to the form : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had a loan account with XXXX  XXXX  which was sold off by them to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX NH XXXX XXXX XXXX. This company authorized XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX to collect this debt on XX/XX/XXXX On XX/XX/XXXX I agreed to a settlement with XXXX and it off in full over the next 3 months. 

However it seems in XX/XX/XXXX, XXXX XXXX XXXX has again appointed Direct Recovery Services ( DRS ), XXXX XXXX XXXX XXXX XXXX  MN XXXX XXXX XXXX to collect this debt AGAIN. 

DRS is now calling me and sending me letter attempting to collect a debt that has already been settled in full 2 years ago. 

I believe XXXX XXXX XXXX and DRS are groups with malintent that just try to harass people for debt that is already paid off and should be barred from doing business.
Product: Credit card or prepaid card

I was reviewing my credit report and noticed a late payment in my CHASE AUTO account number XXXX past due in XX/XX/2018, i am not sure how this happened, i believe i made my payment on time when i received my statement, my account is in automatic payment, they did not charge my account on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Apparently, my USAA account was closed due to fraud or account abuse on XX/XX/XXXX as reported by XXXX XXXX XXXX XXXX. I have attempted to reach out to USAA by certified letter on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All of there letters have been return to me as undeliverable. I also called on XX/XX/XXXX and XX/XX/XXXX and was informed by the representative that they see my chapter XXXX discharged bankruptcy on file and that they were not aware of what XXXX XXXX XXXX XXXX was. USAA has made it extremely difficult to get answers. I have done nothing wrong.
Product: Credit card

Citibank ( CBNA ) performed an unauthorized hard credit pull on my credit report which affected it XXXX points. I did not authorize this nor did I report a credit line increase ( even if I did, they have told me on the phone it would be a soft pull ).
Product: Credit card or prepaid card

Citibank ( who will be called Citi moving forward ) approved me for a their ThankYou rewards card in XX/XX/XXXX for a credit limit of {$4800.00}. I accepted and utilized their promotional balance transfer period for 0 %. I had been making payments on-time and over the minimum amount. I then received a notice that my credit limit had been reduced, due to information they found on my credit report ( I did not authorized them to pull a new credit report ). This occurred on XX/XX/XXXX. I called and had them reinstate the credit limit to the {$4800.00}, however, today XX/XX/XXXX I received another notice that my credit limit has been reduced yet again, due to a new credit report ( again did not authorize them to pull a new credit report ) and a " new '' reason for the reduction. Between XXXX and XXXX, I paid off the whole balance of the ThankYou rewards card, and until today, had {$4800.00} available. There is no legitimate reason for Citi to be continually reducing my credit limit and by doing so, is affecting my credit score. By altering my revolving credit on a continuous basis, I would be unable to apply for other lending services like a mortgage due to Citi 's continual manipulation of my credit limit. Citi 's continual manipulation of my credit limit, and by consequence, my credit score is a violation of the Fair Credit Reporting Act as they continually manipulate my credit worthiness. I have no missed payments on my credit report and have years of credit history, there is no legitimate reason for Citi to be manipulating my credit limits, credit score and credit worthiness. Citi, legally, does not have the legal rights to restrict me from other credit opportunities by manipulating the credit limits that were contracted in XXXX. As a consumer, I have satisfied my part of the contract by making timely payments and/or paying off the balances within the prescribed terms and conditions of the contract. Citi is not allowing me to have the freedom to utilize the credit limit that was originally agreed upon in XXXX.
Product: Mortgage

Our mortgage company was purchased by Wells Fargo. We defaulted on the loan and the bank did not record it properly with the XXXX, taking over XXXX years, and that has prevented us from getting a current FHA loan.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion CorpXXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 



Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

NCB Management Services is not following US consumer laws. There are several companies reporting negative items on my credit report that are older than XXXX years. This is a violation of the Fair Credit Reporting Act ( FCRA ) and these items should be removed immediately. 

Additionally, I was a victim of multiple data breaches by XXXX and XXXX XXXX, which I was informed about by both companies. These breaches resulted in multiple accounts being fraudulently opened in my name with various companies, leading to unpaid debts. 

Actions I have taken : Filed an XXXX XXXX report affidavit with the Federal Trade Commission ( FTC ). 
I contacted the credit reporting agency to dispute the outdated negative items and fraudulent accounts, but no corrective action has been taken to date. 
I urge the CFPB to investigate these violations and hold credit reporting agencies accountable for not adhering to the FCRA and for not protecting my consumer rights. 

Thank you.