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

In 2022, as we have been facing low housing inventory, the financial mortgage institutions promised to only perform hard credit inquiries once, if kept within the 60 day mark, or as needed depending on the purchase offer. With only 3 rejected offers within a 60 day frame ; now that we matched an accepted home deal, our credit score reports multiple ( 7 ) inquiries that have severely lowered our credit score affecting our loan, negatively.. This is unfair. We are dealing with limited options, high housing prices, soaring interest rates and now, also greedy mortgage banks highjacking our budgets! 

Also, those XXXX XXXX or mediocre XXXX  bills that are sent to collection agencies should be written off! How can your agency allow for XXXX bills to damage our aquisition power ; when we have no vote against those outrageous medical fees?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out and placed disputes with each of the 3 credit bureaus on multiple times in regards to an incorrect bankruptcy date listed on my credit report. the date listed is XX/XX/XXXX, the correct date is XX/XX/XXXX. I was asked to send documentation showing what should be the correct date. I sent that information immediately showing the XXXX  XXXX XXXX XXXX bankruptcy court, confirmation information, creditors names, amount owed, monthly payment amount, and lawyer information. XXXX  reviewed the information and immediately removed the bankruptcy from my report. I reached back out to Transunion and XXXX asking why this information is still listed inaccurately on my reports, I have been continuously been told the information will remain on my report for 7 years. I explained not only is the date incorrect, we are past the 7 year period so this should not be reporting on my report at all. I have reached out to the bankruptcy court asking what information they are reporting on my report. The manager XXXX stated they are not in the practice of reporting bankruptcy information to either of the bureau 's. The information is entered into a public system and the bureaus pull info from there. I asked can my personal information be corrected and he said once a bankruptcy is discharged there is nothing the courts can do to correct the information. I also asked I the information manually entered and he said yes, there is a possibility there could have been an error entering my information. XXXX suggested that I call and speak with a manager at each bureau to have them delete the information. I called and provided the information and I was told the information comes from a third party vendor. I reached out to that vendor provided verifying information. The vendor was not able to obtain a report under my name. I reached back out to the bureaus asking how can information be verified if there vendor can not pull a report under my name. I'm continuously being told there is nothing else they can do to help me, just wait until it falls of next year. I explained this is not only keeping my score down, I am unable to obtain new credit, I can't refinance my vehicle, I can't apply for a home loan, and I keep being denied credit. Over the last several years I have worked extremely hard to repair my credit. I went from the low 400 's to 700. I don't have any collection or past due accounts. I have spent numerous hours,  money faxing documents, and scanning to each bureau. This inaccurate bankruptcy information is to old to be reporting and the date is incorrect. I desperately need help getting this item removed. The FTC instructed me to enter a complaint with the CFPB. PLEASE HELP!
Product: Credit reporting or other personal consumer reports

The late payments listed are inconsistent with my usual payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts with the Credit reporting agencies multiple times directly as well as through previous CFPB complaints! The CRAs continue to state the accounts are accurate without providing the procedure used to verify the accounts. I have also disputed directly with the furnishers of the information and have received correspondence from them that proves the information reflected in my consumer report is not 100 % accurate. In some instances the accounts are not reflected completely and is missing valuable information. All the CFPB does is forward the information this company is not performing a thorough investigation into the issues being provided by the consumers! 

The following accounts have been continuously reported inaccurately after being made aware of the errors! 

XXXX XXXX XXXXXXXX ) I will include a CFPB complaint response in which the company clearly states they will have the XXXX delete this account XXXX XXXX XXXX XXXXXXXX ) I will be attaching copies from the original creditor as well as the purchaser of this account in which the original creditor states the last payment posted to the account on XX/XX/XXXX and the purchaser of the account is reflecting XX/XX/XXXX. 

XXXX XXXX ( XXXX ) I will be attaching a copy of a letter that was sent from the furnisher of this account that they obtained from the original creditor. Transunion reflects XX/XX/XXXX as the date XXXX acquired this account ; the original creditor states XXXX acquired this account XX/XX/XXXX. 

XXXX ( XXXX ) This account is reflecting an inaccurate date of closing for trans union XXXX Transunion is reflecting XX/XX/XXXX as the closed date however XXXX has made it clear the account was closed on XX/XX/XXXX.
Product: Checking or savings account

Capital one has misled consumers about interest rates, specifically the 360 savings account. The company is accused of not alerting consumers about a new high-yield account 360 performance savings which resulted in consumers missing out on almost {$2.00} XXXX in interest.
Product: Debt collection

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
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 - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$21000.00} XXXX - XXXX - XX/XX/XXXX - {$4400.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX - XXXX - XX/XX/XXXX - {$230.00}
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  I looked at my Transunion credit report on XX/XX/year> 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 generally, 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, credit repair services, or other personal consumer reports

XXXX/XXXX- XXXX : They never sent me a statement letting me know when my bills were due. I signed up for auto pay and it was never taken out. The lates that are reporting against me need to be removed. I had made contact with them letting them know I was unsure when the billing cycle was due and then the payment was not deducted from my bank in time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, The following account is not mine. Please remove from my credit account. Thank you. 

XXXX XXXX XXXX The following Inquirie was not made or authorized by me. Please remove from my credit account. Thank you. 

Inquiries : XXXX XXXX XX/XX/2018 2018
Product: Debt collection

I am contesting CITI BANK FLEX ACCOUNT. It is not mine as such, I believe that it is fraud.
Product: Debt collection

I will continue to file complaints to the CFPB until my complaint is resolved. 
Submitting an answer back to the CFPB of we received your complaint, Thank you. Shows how very unprofessional this company truly is. 

So again, I will continue filing complaints at this point forward not only to the CFPB, but now to the XXXX and state attorney generals office until this debt is removed off my credit report for failure to validate this debt as requested several times. Clearly you are violating the FDCPA laws. 


This past August I filed a complaint with the CFPB against Pro collect. I have never at any time received a representation letter from this company, a bill in the mail and furthermore, a chance to dispute this account. Instead, Pro collect has placed this on my credit report with no explanation to get me to pay the bill. Our apartment had numerous issues during our four and a half years of renting including MOLD, ( I have pictures ) water coming in thru the walls in our master bedroom, and a water heater they tried to fix over 10 times in a 2 day holiday period which flooded our laundry room ( had we not been home, it would have created a very serious issue ) Below is the response from a procollect representative that has failed to resolve these issues I have listed, provide a bill to me whats so ever as stated in her response, and finally, allow me to file a dispute in writing. As you can see in the representatives response, there is no resolution on any of my concerns, the representative just list how to make payments. 

Procollect received the consumer 's account from our client XXXX XXXX Apartments on XX/XX/XXXX. The consumer owes a balance of {$2100.00} for ( RENT/LATE XXXX XXXX XXXX XXXX DEP XXXX ). The consumer 's dispute has been noted and the account has been updated. On XX/XX/XXXX, the consuner contacted Procollect and was made aware of the debt. The consumer provided Procollect with his attorney 's contact information at that time. Procollet contacted the consumer 's attorney on XX/XX/XXXX. The consumer 's attorney indicated that he needed to contact the consumer and he would call back. Procollect will mail proof of the debt to the consumer on today XX/XX/XXXX. I apologize for any inconvenience this may have caused. Procollect will only communicate with the consumer 's attorney. The consumer 's attorney may provide Procollect with any correspondence that proves this debt to be invalid by email to XXXX or fax XXXX. The consumer 's attorney may contact Procollect @ XXXX to pay the balance in full over the phone with a credit or debit card, or receive additional payment options. If the consumer 's attorney has any further questions they may contact me, XXXX XXXX, directly @ XXXX ext XXXX. Thank You
Product: Money transfer, virtual currency, or money service

I am to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The XXXX  findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit card or prepaid card

I have listed all the complaints in the attached documents. The complaint is about XXXX selling my account to Midland Funding LLC, but neither of them is ready to take responsibility about the errors on the account even though I sent I disputes to both.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
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. 

Account name : XXXX XXXX XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX XXXX XXXX XXXX Account # : XXXX, Account name : XXXX XXXX XXXX XXXX Account # : XXXX, Account name : XXXX XXXX XXXXXXXX XXXX  Account # : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX XXXX Account XXXX : XXXX, Account name : XXXX XXXX Account XXXX : XXXX, Account name : XXXX XXXX XXXXXXXX Account XXXX : XXXX, Account name : XXXX XXXX XXXX, XXXX Account # : XXXX, Account name : XXXX XXXX XXXXXXXX Account # : XXXX, Account name : XXXX XXXX Account XXXX : XXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

Original creditor was XXXX XXXX XXXX ( which is still on my credit file ). That account was transferred to midland funding. I paid off the debt through midland funding over a month ago and my account was updated with a XXXX balance. Both XXXX  XXXX XXXX and midland funding still has the account payment status as derogatory and not current. Also XXXX XXXX is reporting a balance on my credit report but was included in a bankruptcy ( 9yr old account )
Product: Credit reporting or other personal consumer reports

This complaint is regarding EXPERIAN CREDIT REPORTING AGENCY ONLY. 

I have filed several disputes directly with Experian and this is the XXXX dispute with the XXXX. 

I will try to ask it in a more direct way. 
Experian dropped my XXXX XXXX by XXXX points on XX/XX/2023 & XXXX points on XX/XX/2023! 
There were no changes in my credit report from before the drops, to after the drops which could have caused such a tremendous drops. 
My question is, what was the reasons for this serious drops in my score? 

I have been trying to obtain this information and have recieved no results. 
You do not see drops like this unless a serious bad new issue came about. 
I know exactly what information is on my report. 
All accounts are the same, for the past several years, except for 2 paid in full loans that no longer report, where never late, and due to an excellent payment history I had achieved an increased score of XXXX. I have opened no new accounts, have a perfect record with all recent accounts, and now I cant apply for credit due to Experians error. 

MY question again is what caused the significant drop of XXXX points on my account XXXX XXXX & XXXX points on XX/XX/2023, that is a total of XXXX POINTS!!! 
I DO NOT NEED CREDIT REPORTING EDUCATION FOR AN ANSWER!!!
Product: Checking or savings account

On XX/XX/XXXX my account and card was working fine. The next day I couldnt login to my account. I didnt receive a call nor email. The bank just blocked me out of my account. I called and they told me my account was being closed. The representative didnt know why. She said it usually because of a check, but we both acknowledged I didnt deposit a check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed accounts below are erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX XXXX/ {$500.00} / XX/XX/2022 XXXX  / {$2000.00} / XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding an inaccurate and unauthorized loan reported under my name by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Department of Education . This error has significantly impacted my financial standing, and I am requesting immediate investigation and corrective action. 
Concerns Regarding Data Privacy : I also have reason to believe that my personal and financial information may have been improperly accessed or shared. Given recent reports involving XXXX XXXX alleged involvement with the Department of Education, I am concerned about unauthorized data access. I request an investigation into whether my personal data has been shared with third parties and what security measures are in place to protect it.
Product: Debt collection

My rental company kept my security deposit and also tried get more money out of me because they accused me of XXXX  XXXX  in my XXXX  although I never did and still do not XXXX. My neighbors on both sides of me XXXX. My apartment had no other damage or anything else that would warrant the fee. They never gave me my deposit back because of this falsehood and are trying to say I owe them more money. They owe me money being they never returned my deposit. This rental agency are XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX Balance {XXXX}.
Product: Money transfer, virtual currency, or money service

I contacted a website that claimed to be cash app online over the phone and the let me in to procedures that caused me to lose {$750.00} I tried bringing the problem to cash app multiple times and the shut me down 3 times denying my claim
Product: Debt collection

I never had an account with LOCKHART MORRIS & MO SAFE HOME SECURITY Original creditor
Product: Checking or savings account

Since XX/XX/2021 XXXX online banking has decided to put my account on hold for reviewit has caused me to not be able to receive any direct deposits and pay any bills. They told me that customer service couldnt do any thing on their end and I would have to wait till the review was over. Ive tried to closed the account and they wont allow me to do that. there has not been any suspicious activity on my account and I have my debit card. They wont give me any information and keep telling me I have to wait till the review is over. This has been a huge inconvenience for me and not being able to use my funds in my account.