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

On XX/XX/2022 i sent XXXX XXXX account # XXXX, certified mail tracking # XXXX XXXX XXXX XXXX XXXX to validate this alleged debt * they failed to respond with anything back via mail call or email. Neither did they enter the notice of dispute on my consumer report This is a violation of FCRA Section 623 ( a ) ( 3 ) which states If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. 

Also i never gave XXXX XXXX  to report this account on my consumer report this is a violation of my right to privacy which is law 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Also i never gave them written instructions to furnish this account which is another violation of law 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 Pictures and supporting documents below where no notice of dispute was entered
Product: Credit reporting or other personal consumer reports

I regularly review my credit report and have identified errors and misleading information on individual accounts that fail to meet the credit reporting standards of being entirely accurate. These inaccuracies have caused significant harm and hindered my progress over time. I am urging the CFPB to take action to ensure these items are corrected or removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a job with XXXX and and XXXX XXXX call XXXX XXXX and got denied because of background check
Product: Debt collection

An ex friends mother XXXX XXXX XXXX who works for this company got my number from her daughter who received it from a family member of mine that she is cheating on her boyfriend with and gave it to XXXX to call and harass me. It happened about a month ago also calling me back to back until I pick up. I told whoever it was when I called back to stop calling and now again today 3 times in a row until I answered she kept calling. She is doing this bc of her daughter XXXX XXXX that has done nothing but cause problems in my life with her lies and XXXX ways. Everytime I get a new number XXXX gets it from my brother and gives it to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a response from Equifax to a verification I submitted on XX/XX/XXXX. The response ( # XXXX confirmation number ) stated : In this situation * We request that the reporting company verify the accuracy of the information you disputed * We provide them with the relevant information and supporting documentation you provided us with the dispute to consider as part of the investigation ; and * We request that they send Equifax a response to your dispute and update their records and systems, as necessary Here they outline their procedure for investigating my dispute and within their results of their reinvestigation ; The information you disputed has been received. The results are : inquiries area a factual record of file access. If you believe this was unauthorized, please contact the creditor. 

This does not indicate that their was an investigation into the accuracy of the inquires on my credit file. They did nothing but state they believe the inquires to be accurate. 

This will be the 6th attempt to have inquires removed from my file that I did not authorize. I have been successful having other removed once they actually did a investigation. Some creditors have no record of these inquiries and unwilling to give a letter to state so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX ; XXXX XXXX account # XXXX ; XXXX XXXX account # XXXX ; XXXX XXXX XXXX account # XXXX ; XXXX XXXX XXXX account # XXXX ; XXXX XXXX XXXX account # XXXX ; XXXX XXXX XXXX account # XXXX ; XXXX XXXX account # XXXX ; XXXX XXXX XXXX account # XXXX ; XXXX XXXX account # XXXX ; XXXX XXXX account # XXXX ; XXXX XXXX account # XXXX ; XXXX XXXX account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A.States I have rights 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.
Product: Student loan

I am XXXX and receiving XXXX benefits and can not repay my private loans. I 've asked for forgiveness and even options of changing my payment plan but the lender refuses to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX 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 an account without my written instructions
Product: Credit card or prepaid card

Hello, Today, while I was in classroom during my Math class my phone was ringing but I couldnt answer because I didnt want to miss what the Professor was explaining. After my class at exactly XXXXXXXX XXXX Eastern time, I called the phone number back and it was PayPal Synchrony bank. They told me I have a miss payment for the month of XX/XX/2022 which is weird because I have an autopay set up. I told them I have an autopay set up but they told me the autopay was cancel which is weird because for the XXXX years and a few months Ive been with them, Ive always have an autopay. Now theyre trying to send a late payment report to all the credit bureaus which not only would ruin my good credit score but will hurt me. Im a XXXX year old college student, and Ive never missed any payment on any of my credit card. This is unfair. On XX/XX/XXXX, when the payment didnt go through, they didnt even bother to reach out to me. They waited for nearly XXXX weeks to reach out to me today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the credit inquiries nor did I give anyone permission to run my information at any of these companies.
Product: Credit reporting or other personal consumer reports

Request to Remove Negative Items Due to XXXX XXXX Victimization I am writing to request the removal of negative items from my account/credit report. I am a victim of XXXXXXXX XXXX during which my personal information was misused without my consent. As a result, several accounts were opened or misused in my name, leading to negative entries that do not reflect my actions or financial responsibility. 

I am protected under the XXXX XXXX XXXX XXXX XXXX XXXX  ) and the Fair Credit Reporting Act ( FCRA ) as a XXXX survivor. Therefore, I kindly request the removal of all negative items associated with the period of my victimization. 

Thank you for your prompt assistance in this matter. Please let me know if further documentation is needed. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

During COVID19 the bank took XXXX dollars from me on an overdraft. We are in a time of crisis and this bank has decided to take the little money we have and say its for overdraft fees. I am a father and husband people rely on me. I want that money back.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not below to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

These companies are in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. XXXX XXXX Acct # XXXX Dates : XX/XX/XXXX, XX/XX/XXXX XXXX  Acct # XXXX Dates : XX/XX/XXXX These companies are also in clear violation of another law. Under 15 U.S. Code 1666b ( a ) - Timing of payments. THE LAW CLEARLY STATES : a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have not received any information under section XXXX ( b ) sent to me certified mail within 21 days before the payment due date which puts this company in violation of this law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this it came back verified, even with the payment history being wrong on all three Bureaus this is a charged off account and payment is history is incorrect, and none of them has entered consumer disputes this account this is a violation and MUST be entered when the account has been disputed attached report to prove history is wrong and no dispute comment was entered at all, remove account immediately you can not make any changes on a charged off account it is closed this can not be updated, re-opened or show any activity. 

XXXX shows 60 days late no 30 day late, also shows co, co, co, OKXXXX XXXX also failed to enter comment disputed by consumer remove for violations this is required to be entered after a dispute was made XXXX shows 30 days, 60 then co XXXX co XXXX co XXXX co XXXX co XXXX also failed to enter comments disputed by consumer remove for violations this must be entered at the time of dispute Transunion has never reported any payment history on this account and also failed to enter comments Disputed by consumer Remove for violation this must be entered at the time of dispute
Product: Credit reporting or other personal consumer reports

These companies are reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreements to show full ownership of such accounts and also other documents so I may review to see if the accounts actually belong to me. Only I can verify if an account belongs to me. According to 15 U.S.C. 1681 Law, there should not be damages on my credit report as it is a deformation of my character. This has left me distressed, emotionally wrecked, and financially burdened. These companies are violating my consumer rights to privacy as they had no permission from me to report anything using my personal information pursuant to 15 U.S.C 1681 4.
Product: Credit reporting or other personal consumer reports

Previously I've looked over a copy of my consumer and noticed that there are accounts and information thats reporting either inaccurately or doesnt belong to me at all. There are multiple names and addresses that arent mine along with a collection account stating that I owe them a debt. I have no knowledge of this creditor reporting this account nor did I give them any consent to obtain my personal information and share it. I cant owe a debt if there was never an agreement to pay on any balance between me and the creditor. If they cant provide any verification that we had an agreement, then this account was never mine. I feel as though my right to privacy was violated in which as a credit reporting agency Experian must respect that right. Reporting an account or information thats not verifiable or accurate must be removed from my consumer report immediately. It is Experians duty to do whats fair and equitable for the consumer in which reporting inaccurate information and accounts to my consumer report isnt fair nor equitable for me. Anything that they report on my consumer report must be accurate. 



Violations committed by Experian : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1666 - Correction of billing errors
Product: Credit card

I had {$7700.00} in small fraudulent charges ( unauthorized and no good/services were received ) from " XXXX '' on a Bank of America ATM card ( for an account I never use ) made since XX/XX/year>2024. After filing a dispute, that got denied and appealing the denial, I got some of the charges returned, but not nearly close to the full amount. Bank of America refuses to reopen the claim, has not provided any proof that the charges were authorized by me despite my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit card

I have not received a bill in the mail at all until today, despite having had an account since XXXX 2015. I have been struggling trying to gain access to my account online as well. The bill I received today stated that I owed {$98.00}, which is odd since I paid my bill in full several months go ( a little over {$35.00} ) and had n't ordered anything since then. 

I called their number and after a wait spoke to a person who identified herself as XXXX XXXX, a representative with a XXXX accent. I explained the situation and expressed concern that someone had stolen my card or unlawfully accessed my account and charged some items since I had not ordered or received them. She put me on hold and then returned to tell me that she could n't help me, that my account had been placed in collections. 

I had JUST received a bill that XXXX ( yesterday ). She tried to hustle me off the phone and I insisted on speaking to someone who would help me, because everything she was doing had so far been, to my knowledge, completely wrong. She continued to insist that nobody could help me because my account was in collections and there was nobody who knew anything about managing my complaint or situation. I told her that I am a US citizen and that what she was telling me runs counter to consumer protections. She eventually transferred me. 

The next person I spoke to called himself XXXX XXXX, id supposedly wsq, also with a XXXX accent. He was slightly more helpful but told me that the amount stolen would be accruing interest and late-payment charges while in dispute. He also wanted to outright cancel my account, which I believe would make it much more difficult for me to check the status of the dispute. XXXX also stated that there was no claim number. He then transferred me to XXXX, a person who spoke North American English with no discernible accent. XXXX did not explain why Synchrony Bank 's ( the bank that sources Amazon 's credit card ) XXXX response was to tell me that I could not be helped and aggressively try to dump the call. He did cancel the card, take information such as my car having recently been broken into etc, and told me that there was no case or claim number associated with my case but I could call back in 24-48 hours to check on the case 's progress. 
Synchrony Bank's/the Amazon Card 's response in the face of theft and fraud was to tell me that I am stuck with the bill and the dings on my credit report that result from late charges and going into collection rather than forwarding me to the fraud department. 

I should not have had to convince them to do the right thing. If they had been speaking to an elderly person, or a person with limited phone time, the charges of fraud would not have been addressed. This is an extremely shady bank and card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, on my credit report is a clear violation of 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 : States a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

DateXXXX XXXX, 2025 my problem is with the following credit bureaus all three of them. 
1. Equifax : XXXX. XXXX : XXXX. XXXX XXXX ; the law says, Approximately seven years Generally speaking, negative information such as late or missed payments, accounts that have been sent to collection agencies, accounts not being paid as agreed, or bankruptcies stays on credit reports for approximately seven years.

You can dispute and correct inaccurate information, including outdated addresses, by contacting the credit reporting agencies directly. It's your right under federal law to have accurate information on your credit report without incurring charges a lot of information in old addresses have been on my report over seven years they need to be removed.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXXXXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$49000.00} XXXX XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$5400.00} XXXX XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$400.00} XXXX XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2900.00} Status Creditor recently l XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX Potentially negative Date XXXX XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$480.00} Status Open. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX6 Balance {$1400.00} XXXXtatus Open.. 


FCRA violations : accounts not minXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$730.00} Status Account charged off. {$730.00} written off. {$730.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$620.00} Status Account charged off. {$620.00} written off. {$620.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$1300.00} written off. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Account charged off. {$1700.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Account charged off. {$2800.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Account charged off. {$1.00} XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3300.00} Status Account charged off. {$1700.00} written off. {$3300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1600.00} XXXX Account charged off. $