23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 Account XXXX Account Name XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 or other personal consumer reports

On my credit reports I noticed an entry from CREDIT COLLECTION SERVICES dated XXXX, 2025 AMOUNT OWED {$590.00} CREDIT COLLECTION SERVICES continues to report to all XXXX credit bureaus negatively without any proof of contract between them and I
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple hard credit inquiries that recently showed up on my report ( last week ) that I never authorized. 

These unauthorized hard credit inquires include the following XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Wells Fargo Dealer Services XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries were never authorized by me and are adversely impacting my credit score.

Note that I am attaching a screenshot of all my listed inquiries but I am only disputing these 5.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, THANKS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX , XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX/XXXX XXXX , XXXX/XXXX  XXXX, XXXX XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 05 XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : 07 XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX/XXXX   XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX   XXXX XXXX ) XXXX , XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$620.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In or around XXXX of XXXX my employer was served with a garnishment notice in regards to this account for the total amount of {$2000.00}. My wages were garnished until approximately XXXX of XXXX when I was notified by my employer that the total amount had been satisfied. Now XXXX XXXX is reporting me to the credit bureaus as 60 days late and owing an additional {$300.00}.
Product: Debt collection

I started receiving threatening phone calls stating that I owe {$1300.00} from a credit card in my former name. This went back to 2011 apparently. I asked if they could send me information regarding this said credit card as well as signature information and with the original that was with. They told me They did not have that information that they were just a mediator. I told him I was not going to be paying anything without some sort of validation on their end. I then went on to look at my credit report and son nothing of this said credit card of HSBC. They said they didnt put it on my credit report because it would hurt me from a good credit report. I played along with them to see how far it would go and then they wanted to settle for {$610.00}. Unless I have solid information regarding said that from original collection I will not be paying anything they need to leave me alone and stop harassing me. The company was legal one mediation from Georgia
Product: Debt collection

To Whom It May Concern : I XXXX XXXX recently made a requested to Regional finance for a debt validation for a account that is reporting on my XXXX, As a charge off account on XX/XX/2021. Regional Finance sent me back a contract on XX/XX/2021. I do not recognize the amount, account number or the address in the contract.
Product: Credit reporting or other personal consumer reports

XXXX, EQUIFAX, AND XXXX ARE REPORTING INACCURATE INFORMATION ON MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information reporting on my credit file that does not belong to me : XXXX XXXX opened XX/XX/XXXX ( Please remove from my credit file ) XXXX XXXX is inaccurately reporting that i was late in XX/XX/XXXX. Please remove these inaccurate lates on my credit file. 

Please remove incorrect address information : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, and XXXX XXXX Please remove unauthorized inquiries. I did not authorize these inquiries. 

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

This is a credit reporting agency complaint against Trans Union, # XXXX. I have tried several times to complete an online dispute and to update my 100 word personal statement. I am entitled to submit my personal statement and have it provided to all who may request my creit report. This is my personal statement I wish to have placed in my credit report : " My ID was stolen, in two security breaches. Found on the dark web, my XXXX & XXXX cards were used without authority. XXXX & XXXX were notified, provided copies of law enforcement reports obtained. I disputed the accuracy & completeness of XXXX & XXXX adverse information they reported to the three credit reporting agencies. Each agency gave notice to XXXX & XXXX, as adverse information furnisher. XXXX & XXXX failed to, conduct a reasonable investigation of each dispute ; review all relevant information ; modify, delete, or permanently block the reporting of 5  items of adverse information. '' Item 2 : Remove XXXX, this is not my telephone number. Item 3 : XXXX Court Western VA, # XXXX, was supposed to have been removed on XX/XX/2017, see report, but remains in the report. Remove this. Item 4 : XXXX XXXX, XXXX, is being misreported. The balance is over-reported by more than {$2000.00}. Item 3 : XXXX XXXX, XXXX, is being misreported. The balance is over-reported by more than {$3500.00}. Item 4 : XXXX XXXX XXXX, XXXX, is being misreported. The balance is over-reported by {$1600.00}.
Product: Debt collection

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX LITIGATION I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX XXXX is the finance company that was used to pay for the installation of my XXXX XXXX XXXX. The due date for the monthly payment is due on the 6th of every month. For example, the statement of XX/XX/XXXX is due on XX/XX/XXXX. The complaint is that whenever it was mailed from their office, it was not received until XX/XX/XXXX. This is a constant issue. The mail received date is always within a day or two of the payment due date. I believe this is done intentionally so that people will be late on their payments and can now be charged a late fee. For reference, I have never submitted a payment late nor have I ever been charged a late fee. I am submitting this b/c it is clearly a predatory practice.
Product: Debt collection

Hey this is XXXX from XXXXXXXX XXXX I'm a debt collector. ID number XXXX   and this is an attempt to collect a debt. Any information obtained will be used for that purpose. You can reach me at XXXX or you can chat with me XXXX. I'm in the office Monday through Friday from XXXX XXXX to XXXX XXXX Central Standard Time and Saturday from XXXX to XXXX. Again I am a debt collector with America collect at XXXX. If I have the wrong number. Please feel free to give me a call and let me know. Thanks and have a great day. 

PLEASE NOTE THAT MY CALLER ID INDICATES THAT THE NUMBER IS COMING FROM A XXXX NUMBER AND I HAVE NOT CALLED THEM BACK
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the 3 credit bureaus regarding an account with portfolio recovery that I reached an a agreement on with the collection agency to settle an account it was paid in full and in the conditions of the agreement they reached to the 3 credit reporting agencies XXXX, XXXX, Experian requesting that this account be removed. I disputed the account with credited bureaus asking them to properly investigate and remove this account since it is settled and the company agreed to remove it the credit bureaus did not conduct a proper investigation on the account. The credit bureaus continue to willing fully violate my consumer rights under the FCRA 611 ( a ) ( 5 ) ( i ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following creditors have violated my rights : ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 states that I have the right to privacy .

15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B states that a creditor may not treat a payment on any account this is open as a consumer or revolving account as late for any purpose.
Product: Student loan

I consolidated my federal student loans through XXXXNavient, but was never given a choice of the type of consolidation. I found this fact out when, after working almost 10 years as a public servant and making payments on my loan, I started the paperwork for the Public Service Loan Forgiveness and was told I did n't qualify due to my type of consolidation loan. I called Navient to find out why and was told because I did n't choose the right type of loan when I consolidated, but I was never given a choice back when I asked to consolidate the loans. It was all just done for me by the company. Of course this was over 10 years ago, and it was done over the phone. My only option I was given at this point from Navient was to consolidate my loan again to the right type, and basically start over with the 10 years and repayment process. By that time everything would be paid off, so really something I am not looking into. I am really disappointed in the Navient company, and feel like they are only out for profit, not helping the struggling student!
Product: Mortgage

We are applying to re-finance our home for the second time with Bank of America ( BOA ). However, we were rejected several months ago because the person assessing our property erroneously claimed that we were n't the home owners, even though we successfully re-financed the first time without difficulty using the same information. Instead of checking to make sure, BOA took the word of the property assessor and outright rejected us. After a month of complaining to BOA managers, they agreed to re-open our file and start the re-financing process over again. Then, just three weeks ago, we received another rejection letter stating that they could not verify employment, even though we had already provided them with the contact information of our company 's human resource, receptionist, and supervisor. Again, as we have stated before, we had not changed our work company since our first successful refinance. If BOA was able to verify our employment the first time, why were they not able to verify this time if none of the information has changed? We have since re-sent them the contact information of our employers about two weeks ago, but still no word. We are very frustrated over this drawn-out process and believe this is very irresponsible of BOA for doing shoddy work. We believe we are being discriminated against because we are borrowing under {$150000.00} and BOA does not want to process a loan that is so little, which is why they keep finding baseless excuses to reject us. We hope you can investigate this matter for us. Thank you so much for your time.
Product: Checking or savings account

I am trying to close my Optum XXXX account and transfer funds to my XXXX HSA. In XX/XX/XXXX, I submitted a " transfer of assets '' form to Optum to close the account and transfer funds to my XXXX XXXX. In early XXXX, I called to check on the status and was told that I needed to liquidate the investments in the Optum account. On XX/XX/XXXX, I liquidated the investments. I called Optum in XXXX XXXX and was told that the transfer was in progress. The money disappeared from the Optum account and I was told that a check had been sent to XXXX and should take XXXX days to reach XXXX. XXXX never received the check and Optum told me I needed to wait XXXX weeks. After over XXXX weeks, money was still missing. On XX/XX/XXXX, Optum cancelled the original transfer ( they said they canceled the check ) and the money was deposited back into my Optum XXXX cash account with the expectation that they would attempt again to transfer the money to XXXX. On XX/XX/XXXX, Optum reinvested the money without my permission. I was not notified and did not know about the reinvestment. On XX/XX/XXXX, I had a conference call with Optum and XXXX so that XXXX could provide the information needed to wire the funds. On XX/XX/XXXX, after calling Optum, I was told they could not transfer because the money was invested. I liquidated the investment again after losing {$2400.00} from the amount that was supposed to be transferred to XXXX in XXXX. I called Optum again XX/XX/XXXX and found that they still have not initiated the transfer. They have not credited the {$2400.00}. They keep giving me case numbers but when I ask about previous case numbers, cases have been closed with no resolution. In XX/XX/XXXX, I requested the transfer of {$61000.00}, but to date they are still holding my money hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent a letter to all three bureaus reguarding inaccurate items on my credit report.To this day 60 days later I have not received a response yet. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 45-60 days gives a reason to immediately remove those items from my credit report
Product: Student loan

NELNET Obstruction of Income-Based Repayment Application : In  XXXX   XXXX  after becoming unemployed, I made application for income-based repayment plan for student loans serviced by  both  XXXX  and NELNET in coordination with the DOE income-based repayment application web portal ( See attached ).  XXXX  approved the application but NELNET obstructed the application because it claimed it did not participate with DOE 's electronic process ( See attached ). The electronic application was downloaded from the DOE web portal and mailed to NELNET with supporting documentation. I did not hear back from NELNET for some time and when I contacted   them in  XXXX   XXXX  I was informed that my loans were in default and no longer handled by NELNET. I would need to contact   XXXX   XXXX   for loan rehabilitation. I incurred a {$10000.00} default fee sometime between  XXXX   XXXX  and  XXXX   XXXX  because NELNET obstructed my application. My NELNET rehabilitation started in  XXXX   XXXX . How can the very same income-based repayment plan application properly coordinated through the DOE web portal be accepted by one servicing agency and rejected by another. Something is terribly wrong with this process and should be thoroughly investigated. Request your assistance in removing these default fees and obtaining the same income-based repayment plan approved by  XXXX .
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Account On or around XX/XX/year>, and XX/XX/year>, I submitted disputes to Equifax, Experian, and TransUnion regarding an alleged XXXX XXXX account ( Account Number : XXXX ) that is reporting on my credit file with a balance of {$2800.00}. My dispute specifically addressed concerns that the account was not being reported 100 % accurately and completely, particularly regarding the payment history. 

Despite my disputes, all three Consumer Reporting Agencies ( CRAs ) have verified the accuracy of the reporting, yet their reports contain inconsistencies in how the account is being reported across the bureaus. This raises significant concerns regarding the completeness and accuracy of the investigation process. 

Violations of the Fair Credit Reporting Act ( FCRA ) Under FCRA Section 1681s-2, furnishers like XXXX XXXX are required to ensure the maximum possible accuracy of information reported to CRAs. Given that inconsistencies remain in my credit reports, it appears that XXXX XXXX has failed to meet this obligation. 

Additionally, FCRA Section 1681e ( b ) requires that CRAs maintain and follow reasonable procedures to ensure the accuracy of the information they collect, maintain, and distribute to third parties. The law states that CRAs must implement : Effective systems and procedures to ensure accuracy. 
Protocols for reviewing and correcting inaccurate information. 
Safeguards to prevent the inclusion of inaccurate data in consumer reports. 
Given that the same account is being reported differently by all three CRAs, it is clear that these statutory obligations are not being met. 

Concerns About the Investigation Process The CRAs verification of this account lacks transparency and raises the following critical questions : Was a reasonable investigation actually conducted? 
What account-level documents were reviewed aside from the Automated Consumer Dispute Verification ( ACDV ) form?

Did the credit bureaus contact XXXX XXXX and speak with a representative to verify details? 
Did the credit bureaus review the FULL payment history, including all charges, credits, and adjustments? 
Without a thorough review of original account-level documentation, it is impossible to conduct a meaningful and reasonable investigation. Simply relying on automated data exchanges like XXXX and XXXX does not satisfy the investigative standards required by the FCRA. 

Requested Resolution I am requesting that : XXXX XXXX provide a full and detailed account-level investigation into this matter, including a review of all original account documentation. 
The CRAs conduct a reasonable reinvestigation, ensuring the reported information is fully accurate, verifiable, and consistent across all three bureaus. 
If the account can not be verified with proper documentation, it should be deleted from my credit report. 
I am seeking immediate corrective action and a clear explanation of the verification methods used to determine the accuracy of the disputed information. 

Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # 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