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

The deletion or blocking of accounts resulting from a data breach and unauthorized inquiries is governed by FCRA Section 605B, specifically addressing the blockage of information arising from fraud or data breaches [ 15 U.S.C. 1681c-2 ]. Additionally, FCRA Section 604 outlines the permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which stem from data breaches or fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions were undertaken without my authorization, thus infringing upon my consumer rights as defined by the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

It has come to my attention that these companies initiated these actions without proper validation or original documentation from any of the reporting entities.

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX, XXXX XXXX  NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI, XXXX Employer - XXXX XXXX Incorrect DOB : - XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XXXX XXXX, 2016, I filed bankruptcy and the courts notified both Caliber Home Loans and XXXX but they are still trying to bully, strong arm and harass me publically by keeping the house on the auction market for a XXXX XXXX, 2016 sale at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX contacting the CFPB on behalf of my mortgage with XXXX XXXX  under the account # XXXX. As stated in their response in which I will attach within the last 24 months my account has not had a late payment reporting. Therefore, I am asking to have the in factual late payments that are reporting on my credit report as a late payment for XX/XX/XXXX, and XX/XX/XXXX to be removed entailing what they have responded in the previous CFPB dispute. The company has stated that I was never late therefore, they should have the all XXXX credit bureaus fix the appropriate information. Please see the enclosed documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had extensive difficulty dealing with Equifax. XXXX was by far the easiest, most responsive company to deal with, and Equifax is just completely fraudulent. Equifax not only refuses to remove inaccurate information, and once it is removed, will just place it back on there the next month, but they also would not allow me to have a Security Freeze even with an FTC report and police report. This went on for over seven months, and then, I finally spoke with someone who said they will only do it if I give them the police report AND pay a fee. That is not acceptable. However, because I am dealing with extensive identity theft, I was extorted into paying the fee. Unfortunately, I paid with my checking account, which I will not be closing because Equifax has compromised ALL of my personal data. I want the return of my fee, and I will be going to court over the data breach caused by Equifax. Had they done what I needed earlier, I would not be in this position. I hope this company goes bankrupt and we never have to deal with them again. They were always the company that had inaccurate information and would n't fix it, so it is not a surprise that they would have a hack of this nature. They are consistently unprofessional, non-responsive and derelict in following the laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There IS ONE ACCOUNT reported late AND IT IS INACCURATE
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 {$790.00} Original XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$460.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX reference XXXX 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

I do not have a contract with XXXX XXXX credit card. They did not provide me with any evidence of a contract. I am not liable for this debt. I demand this creditor delete this account from my credit report. Violates FCRA laws fair and accurate credit reporting.
Product: Checking or savings account

My Husband XXXX XXXX XXXX and I started two 5-year CDs in XXXX, at Capital One Bank. They were supposed to be jointly owned and the accounts originally labelled the CDs as such. Now after the Estate department from Capital One had the details of my husband 's death, the CDs don't say joint anymore- the new records show each of us as individually owning one of the CDs. 
My husband passed away on XX/XX/XXXX, and his will and the Trust document clearly state that all his assets will pass unfettered to me and I am to be the trustee after he passes away. 
I passed these documents to Capital One 's estate department after his death and asked them to do one of the following : Add my name to my husband 's CD account ( this is my preferred choice in line with my husband 's Trust Document ) or Keep the CD in my husband 's Trust account with the EIN number I have got for his Trust and add me as Trustee as per my husband 's Trust document.
Product: Credit reporting or other personal consumer reports

The List of accounts, address below has violated my federally protected consumer rights privacy and confidentiality under 15 USC1681. 


( XXXX ) Accounts : XXXX XXXX XXXX  Account # XXXX # XXXX, XXXX XXXX XXXX Account # XXXX # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX has violated my rights. 


Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX has violated my rights. 

I looked at my XXXX, TransUnion and XXXX Report credit report on XX/XX/year>, and noticed some things are inaccurate due to my identification being compromise 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 FCRA 605B ( 15 U.S.C. 1681c-2 ), And according to 15 USC 1681 ( 5 ) they are supposed to do this ( 5 ) Treatment of inaccurate unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) 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- ( XXXX ) 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 promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to FCRA 605B ( 15 U.S.C. 1681c-2, ( 15 U.S.C. 1681c-2 ) they are supposed 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. 


Please block this information from my credit report, pursuant to section FCRA 605B ( 15 U.S.C. 1681c-2 ) of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 

( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later then XXXX business days after the date of receipt by such agency XXXX, TransUnion, XXXX. 

A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B, 15 USC1681c-2, of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 


I appreciate your prompt attention to this matter and await your reply. 



Respectfully, XXXX XXXX
Product: Credit card

I was trying to cancel my Discover Payment Protection by logging on to Discover.com. I could find no way to do this and the XXXX XXXX sent me to an information-only page. After chatting a second time, the agent informed me that cancelling this service could only be done by calling their XXXX XXXX phone number. This seems like an unnecessary burden on me and has the effect of increasing Discover profits. 

I was also informed that a log was being made of my chat sessions, but I couldn't find a way to keep a copy for my personal reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account reporting to my credit report shows a change in the name of an Original Creditor. However, after some research i discovered that the name change occurred with a company that i have never had a contract or business with as they were not in business that year. XXXX XXXX who was formally known as XXXX XXXX is still in business and not DBA " XXXX on XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 6 accounts and 1 inquiry on my credit report that do not belong to me I have not signed used or received any goods or services from these accounts they look foreign to me I need these off my credit report since I have been disputing these since XX/XX/XXXX I am sick and tired of filling out forms and ftc and identity theft reports for these I need help please these items are not mine in any way shape or form!!! 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account INQUIRY Creditor Name : XXXX - XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Credit reporting or other personal consumer reports

My identity got stolen a few months back like so bad I have like 6-7 business accounts in other states Ive reported it to Experian and everywhere I could including the social security office . I filed a dispute from them last month when I caught it and there not doing anything to fix it I have houses cars and everything on my credit. They even messed up my background
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social  security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if  it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : A letter ( USPS TRACKING # : XXXX, Delivered XX/XX/XXXX ) to CHASE CARD/JPMCB CARD was XX/XX/XXXX submitting a formal dispute of their account reporting on my credit reports. I also request validation bearing my signature showing I had a contractual obligation to pay them. 

I received a timely response from the company dated XX/XX/XXXX from XXXX XXXX Customer Service Specialist stating : " We've updated your account information with XXXX, XXXX, XXXX, and XXXX  credit reporting agencies. '' I replied with a letter XXXX USPS TRACKING # : XXXX, Delivered XX/XX/XXXX ) stating " I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a 'notice of dispute ' on my account within 30 days of my dispute, which you signed for on XX/XX/XXXX. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. '' I will include a copy of my credit report from XXXX  dated XX/XX/XXXX as proof that the company did not furnish the required disclosure. 

I received a letter from the company dated XX/XX/XXXX from XXXX XXXX Customer Service Specialist requesting more information in order to assist me. The information requested : Name Address Account Number Social Security Number Description of dispute Supporting documents Signature After furnishing the requested information via a letter ( USPS TRACKING # : XXXX, Delivered XX/XX/XXXX ) I received another letter from the company dated XX/XX/XXXX from XXXX XXXX Customer Service Specialist requesting the exact same information submitted on XX/XX/XXXX.
Product: Checking or savings account

On Monday XX/XX/2025 I ignorantly purchased a vehicle from XXXX XXXX XXXX XXXX in XXXXXXXX XXXX. The vehicle broke down and stopped starting 24 hours later. I immediately requested a refund and disputed the {$1000.00} transaction which was a down payment. The dealership told me it would be 2 days to receive my money back so I called the bank and they said it doesnt take 2 days it takes 5 days. So here I am 8 days after the transaction date and after the dealership has been nasty with me and the bank doesnt seem to care saying give them 3 months to even consider if my dispute will be approved even after providing the settlement/ refund receipt and proof of purchase to the bank. This situation has caused me to sleep outside for 3 nights in the cold as shelter are full. I feel so exploited and taken advantage of and dont know who to trust that will follow the law in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in violation of the FCRA by taking over 45 business days to respond to my letter. I sent a certified letter with return receipt to Transunion on XX/XX/2020 about an account in collections that I did not recognize and asked them to remove it from my credit report because it is unknown to me. I have never done business with this company ; I never signed a contract with this company. As of XXXX XXXX, 2020, I have not received a response from Transunion regarding my letter. Transunion had 30 business days plus an additional 15 business days because of the pandemic to investigate this and it has been well over this time. Additionally, this unknown accounts status was never updated as in dispute. According to FCRA section 623 ( a ) ( 4 ) [ 1681s-2 ] If a consumer reporting agency is notified that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. Transunion has had more than enough time to investigate and not only have they not deleted this account from my credit report, but they have also failed to respond in the required time allotted.
Product: Credit card

In XX/XX/year> I made a purchase on XXXX in the amount of {$140.00}, the post office made XXXX attempts to deliver the package but it was not delivered and ultimately returned to the sender. 

I contacted the credit card company, Synchrony Bank, I was trying to get them to refund me and I showed that the item had been returned to the sender by the post, that I didn't have it. 

I fought them over it for months, I even went to the post office to get documents from them showing that the item was sent back to the sender but they kept denying me. 

I did attach the transaction information, it does have my name and everything, feel free to delete that if you don't need it at this time. If you want to send it to them, it's fine, it may help speed things up a bit.

They would allow me to appeal the denial a couple times, I kept telling them I didn't have the items, that the XXXX XXXX returned them to the sender, that I was just seeking a refund and they never helped me. They never even offered to get the items sent back to me, nothing, they just left me holding the bag so to speak.
Product: Credit card or prepaid card

On XX/XX/2021, I received a series of emails from Fifth Third Bank, indicating that a card was activated, that the cards PIN was changed, and a purchase alert for {$4800.00} at XXXX XXXX I immediately called Fifth Third upon receiving these emails and reported fraud. I indicated that I hadnt requested a new card or received a card with the number indicated. I made a report with the XXXX Police Department on XX/XX/2021 and gave the police report number to Fifth Third. I also got a letter from Fifth Third dated XX/XX/XXXX acknowledging a suspicious purchase on my card and stating that the card was blocked. I recently received a letter from Fifth Third denying my claim. The denial stated that my claim was being denied because the card has a chip and was used at a chip-enabled reader. However, I did not have this card and did not make this purchase.
Product: Mortgage

Our mortgage was transferred from Freedom Mortgage to XXXX on XX/XX/XXXX. On XX/XX/XXXX, I noticed a payment still went out to Freedom Mortgage for the amount of our monthly payment as I forgot to cancel the old recurring payment. I immediately contacted my bank who stated it was too late to stop the payment. I then tried to call Freedom, but was given the runaround with the automatic system and could not reach a person, as the system kept saying I no longer had an active account associated with my phone number. So I submitted a secure message and they responded asking for proof of transaction. I sent them this and they initially said they have no record of the payment. I pushed back and they stated they needed " further research and would respond by XXXX. ". I responded with proof of the transaction again, and they are now stating XX/XX/XXXX for even a response. This is unacceptable as I have documented proof of the transaction and they have just shy of {$2000.00} of our money that they are not giving back. Freedom has been an absolute nightmare to work with, they have already hurt my credit score b/c I never received the escrow notice that the payment went up, and I was still paying the old amount. Supposedly they called, but never left a single voicemail. Just marked a missed payment and tanked my score, even though I was still paying the old amount. 

All that to say... please help us get our money back. Freedom Mortgage has deplorable customer service and we never want to do business with them again. We will make sure no one else we know does either. 

I have attached a statement from my bank with the transaction highlighted on XXXX to Freedom Mortgage. You can see there was also a payment made to our new servicer for the same amount.
Product: Credit reporting or other personal consumer reports

I Looked at my report and noticed some things are incomplete and not accurate .According to fair credit reporting act Whenever consumer reporting agency prepares consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them to reinvestigate these accounts listed below because PERSONAL INFORMATION- 1 ) EMPLOYMENT- NOT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAN U LOOK INTO THIS MATTER
Product: Credit reporting or other personal consumer reports

I am writing to dispute the charge-off listed on my credit report under XXXX  XXXX XXXX XXXX According to my records, this charge-off is inaccurate for the following reasons : The creditor or collector failed to follow proper debt collection laws, such as the Fair Debt Collection Practices Act ( FDCPA ), including harassment or failure to validate the debt The debt does not belong to you, or you have no knowledge of this account I respectfully request that you review the account details and provide any documentation that supports this charge-off. If you are unable to validate the charge-off, I request that the item be removed from my credit report immediately. 

Please inform me of the outcome of your investigation in writing. I expect a response within 30 days, as required by the Fair Credit Reporting Act. 

Thank you for your attention to this matter.