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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXXXXXX Balance Owed : {$3900.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1800.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$3200.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$3200.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX under section 623 A as the data furnisher continues to report using the EXXXXOSCAR system information that is NOT 100 % complete or accurate. I am on state XXXX and I was notified by the UTAH XXXX office it is illegal for XXXX to report any XXXX related billing issues to the credit bureaus. Several violations have been committed under the FCRA, HIPAA and the FDCPA.
Product: Credit card or prepaid card

I attended a timeshare presentation with XXXX XXXX on XX/XX/2023. I ended up purchasing the timeshare but declined their offer for credit on 2 occasions - once during the initial pitch and again while signing the contract. On XX/XX/2023 I received a letter dated XX/XX/2023 from Comenity Capital Bank stating a credit account account has been opened in my name. I contact both XXXX XXXX and Comenity Bank regarding the fraudulent opening of this credit account in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Disputed the medical collection with credit bureau the account was not removed it stated verified,
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 XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account XXXX : XXXX and 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: Vehicle loan or lease

I XXXX XXXX, the natural living breathing person have proof that American Credit Acceptance have been and continue to violate my consumer rights. I the consumer have noticed American Credit Acceptance has violated me 20 times and have proof of admission. American Credit Acceptance has violated 15 US CODE 1681 ( A ), 15 US CODE 1692 D, 15 US CODE 1635, 15 US CODE 1692 B ( 2 ), 15 US CODE 1692B ( 3 ), 15 USC 1681N ( B ), 15 U S CODE 1601 ( A ), 16 USC 1692 ( E ). American Credit Acceptance also had a third party guest illegally repossess the vehicle.
Product: Checking or savings account

My brother died on XX/XX/2023, leaving a checking and savings account open with M & T bank in XXXX, PA, in the amount of {$1500.00}. I contacted the branch XXXX and was instructed on what were the necessary items to be provided in order to receive this money. My brother had no wife, no children, and both parents are deceased, so I am his next-of-kin. I provided a certified death certificate, a copy of the paid-in-full funeral home invoice for cremation and graveside services, and a letter of intent stating my reason for claiming my brother 's funds with my notarized signature. I can't remember the exact date that I called M & T Bank, but it was some time in the middle of XX/XX/2023. The last correspondence I received was a piece of paper requesting a notarized signature along with boxes to check stating various facts, but I disagreed with XXXX of them, so I called the branch XXXX many times to tell her this, and she refused to answer my phone calls or return my calls. Specifically, I did not want to check the box which said that I acknowledge receipt of {$1500.00} because I have not received any money.
Product: Debt collection

On XX/XX/2019 I mailed a dispute letter to CBCS in regards to an alleged debt that I owe to XXXX XXXX. It is alleged that I owe {$100.00}. This is a debt that I DO NOT owe. CBCS only sent a statement but nothing that proves that I owe this erroneous debt. No signatures anywhere. This company is XXXX.
Product: Credit reporting or other personal consumer reports

The credit agency has listed inaccurate information on my credit report because the creditor has provided inaccurate information or no information about payment details. Some payment information is missing altogether. The account is supposed to be listed as in dispute and it is missing. 

The historical payment section is inaccurate. Account was listed as on time in XXXX XXXX and then 60 days late the next month XXXX XXXX. On time XXXX XXXX and then 60 days late XX/XX/XXXX. On time XXXX & XX/XX/XXXX. Then again late 60 days XX/XX/XXXX.
Product: Debt collection

My name is XXXX XXXX. Because my name is so common, I receive frequent calls from collection agencies seeking other people with the last name XXXX. 

Today I received a call from a company claiming to be called Admin Recovery seeking a XXXX XXXX. They asked about a credit card that I never have had. I advised them that they had the wrong XXXX XXXX. I have received calls about this account before. The person on the line then asked if they could leave a message, I explained that I had no connection to the debt or the individual they were seeking. They provided a date of birth that was not mine. I stated that I wanted to be removed from their calling list, the individual stated that my phone number was listed as a secondary contact and that they would investigate it. This happened around XXXX CST. 

I wish to repeat -- I have a common name, I am not the individual they were seeking, I do not know who they were seeking and they refused to simply remove me from their contact listing.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX U.S. Bankruptcy Court Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Have received calls from credit card companies offering to transfer any of my existing CC accounts from the current fee ( 14.9 % for example ) to a 0 % CC for life. 
XXXX XXXX XXXX- R'cvd such a call and transferred to consultant ( allegedly from XXXX XXXX XXXX ) who had lots of my CC and banking info. He told me the exact payment amount I recently made on a Visa card, plus the current balance, the rate and the last 4 of my SSAN. He then told me he could lower the rate to 0 % for the rest of the time I held the card. He charged no fees. I was next transferred to his supervisor ( XXXX XXXX ) who asked for other CC balances, rate, and credit limit. Like a fool, I provided that info for 5 CCs believing that they would soon be at a 0 % rate. He then asked for the remainder of my SSAN ( first 5 digits ) and my Mother ; s maiden name. On two of the cards, he could not offer 0 % and suggested I reapply later. He even gave me his personal phone number ( XXXX ) XXXX XX/XX/2019 : I had a false charge for {$960.00} on my XXXX XXXX XXXX CC for two {$500.00} XXXX eGift Cards placed on XXXX XX/XX/2019. 
XXXX : My B of A CC included a Balance Transfer to XXXX for {$110000.00} plus a {$35.00} transaction fee, I did not make such a transfer, but the amount exactly matched my existing CC balance for that XXXX XXXX. 
There was a PENDING second false CC charge for XXXX XXXX for {$2800.00} which I have no idea or involvement with and certainly did not make the transaction. 
XXXX XX/XX/2019 : Lastly, I noticed a Balance Transfer of ( XXXX ) to my XXXX XXXX card, but no explanation of where the money came from. Also, the CC was not scheduled for a payment until XXXX XX/XX/XXXX. 
I have canx each CC and applied for a Fraud Alert to all 3 Credit Report companies.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns, regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle several times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.
Product: Vehicle loan or lease

Westlake financial services is committing securities fraud with my security. I also received a 1099C and 1099A from them canceling the debt yet they are still charging me, and when I tried contacting them about this no one seems to know anything about what I'm asking and then they will hung up on me. I need my account to be XXXX OUT! AS THE DEBT HAS BEEN CANCELED AND MY TITLE SENT TO ME. I WILL GIVE YOU ALL 10 DAYS TO FIX THIS OR I WILL GO TO COURT FOR SECURITIES FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got this account that is not mine and i want to delete them. 

1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  assumed my identity and used it to create fake accounts in XXXX. In XXXX I opened a checking account and found out I had been a customer with XXXX XXXX for 11 years without my knowledge. The main issue is that I had a SBA loan deposit into my personal account for my small business, at which time XXXX XXXX XXXX flagged my account, put a hard freeze on my account, as well created another account and moved my account balance into it. I have filed numerous complaints over the past two years with out resolution. As a matter of fact XXXX XXXX responded that they were not going to address my complaint. Upon the actions of the bank, my name has been red flagged, restricting me from opening any other bank accounts with any banks. Several of my prepaid account is were closed do to the banks actions, and have not refunded my accounts balances. In XX/XX/XXXX on my Experian credit report it shows XXXX XXXX XXXX  changed my personal information on my checking account.
Product: Checking or savings account

Unathorized " XXXX  '' transactions were taken ( XX/XX/XXXX ) through a phishing scam ( {$1000.00}, {$1000.00}, {$1000.00}, and {$500.00} ). The bank was contacted no more than 10 minutes after transactions and a fraud claim was drafted. When viewing my account the payments were fully processed on XX/XX/XXXX. After waiting 11 business days, I contacted the bank when they notified me that their investigation denied my claim. ( XX/XX/XXXX ) I then refiled a claim with the bank and filed a case with my police department. The officer had a case number but needed an affidavit of fraud. After contacting the bank they claimed to be in the process of sending it to both my email and the officer after 24 hours I recontacted the bank when they said it might be a 24 to 48-hour hold while the claim was freshly opened ( XX/XX/XXXX ). Today on XX/XX/XXXX I still had not received the affidavit and contacted the fraud department again when they notified me that those are not drafted for my type of claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

my home was broken into my car vandalized we lost our id and many other persoanl items like ssc and birth cert and other priceless items this company has sold the debt and failed to comply with the fcra guidelines by proving that any of the debt match my address which they could not or i would have seen this sooner please help XXXX XXXX XXXX blance XXXX $ XXXX XXXX XXXX XXXX balance XXXX $ XXXX  account XXXX $ all are fraudulent accounts
Product: Credit reporting

I recently check my Transunion report and it shows an unauthorized Credit Inquiry made from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX. 

While checking my personal credit report, which I acquired from [ Transunion ] noticed an inquiry made by the company on XX/XX/2017 I did not authorized anyone employed by the company to make an inquiry and view my credit report. it have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. 

I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 30 ) business daysso that I can verify its validity
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing, I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
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 Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXXXXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX XXXXXXXX Account Name : XXXX and 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: Debt collection

On XXXX/XXXX/XXXX I was alerted by XXXX that there was a new entry added to my credit report. The collections agency that had reported was Paragon Revenue Group. They were stating that I owed {$180.00} in the year of XXXX. They stated that i was seen in the month of XXXX of XXXX at XXXX XXXX XXXX XXXX XXXX. I explained that I have no knowledge of ever being seen on that date. I also explained that I called the hospital and asked them to run my social, dob and name to see if they had any past due accounts or medical forms or records by any name. They informed me that they had nothing in the year of XXXX. The only thing they had was when i was brought in XXXX by my mother and the amounts that were due at that time was XXXX for {$55.00} and XXXX for XXXX even. I also went to their online site and put in the account number that paragon gave me and there was no record of it. I called paragon and informed them of all this They then sent me to someone that " handles those type of accounts '' which was a voicemail. I then called back and a man answered the phone and tried to tell me he was someone else when he clearly was not. He then transferred me to another voicemail. At this point I was very frustrated and called back and demanded to speak to a person. A lady got on the phone and told me that this was a debt from XXXX of XXXX. I repeated that I had never been to the hospital around that time and informed her of the information that was given to me by XXXX XXXX. I also let her know that taking old debt that is past the statute of limitations and trying to collect on it was illegal. This has caused major problems with my credit score as they have been reporting to all major credit reporting agencies. Thank you for your help.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain accounts and inquiries listed on my consumer credit report, which I believe result from a data breach, fraud, or unauthorized activity. I request that you provide verifiable proof, including my signature or electronic signature, for any reported accounts or inquiries. This letter is submitted by me personally, not through a third party, so please review it carefully. 

I did not authorize any of the actions related to these accounts or inquiries, and I believe they represent a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which addresses the blocking of information resulting from a data breach or fraud [ 15 U.S.C. 1681c-2 ], as well as Section 604, which covers permissible purposes for consumer reports [ 15 U.S.C. 1681b ]. 

Upon contacting the companies responsible for reporting these accounts, I found that these actions were initiated without proper validation or original proof from the reporting parties. As I never authorized these accounts or inquiries, they are not factual and must be considered a result of either a data breach or illegal reporting by creditors or third-party data furnishers. 

I request that these items be promptly investigated and removed from my credit report. If you can not provide the requested proof of authorization, I expect these entries to be corrected in accordance with the law. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence if a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025- CFPB-0002 ) against them for similar violations. I requested that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have reported inaccurate : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, AZ XXXX XXXX XXXX  Address : Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX XXXX XXXX , UT XXXX XXXX XXXX  XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX , TX XXXX