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

On XX/XX/2022 I reported this issue of an account that was never opened by me being reported on my credit report, from a collection agency. The are obviously weaponizing my credit report to make me pay a debt that isnt mine. After submitting my complaint, the company removed the negative item. 
On XXXX I received an alert that the same company put the account back on my credit report, 4 months after removing it! 

This is unfair, deceptive and clearly an abusive tactic!
Product: Credit reporting or other personal consumer reports

I have submitted disputes to XXXX, XXXX, and Experian on how my student loans have been XXXX as of XX/XX/XXXX. However, XXXX, XXXX, and Experian are still reporting balances on my student loans to XXXX and Experian. As of XX/XX/XXXX, balances are still showing on my XXXX and Experian credit reports. In addition, my credit report shows a comment that the creditor ( XXXX ) has been reporting the information correctly ; however, they are still reporting balances to XXXX and Experian. Only XXXX reports my student loan balances correctly. 

Also, I have duplicate trade lines on my Experian credit report : one line reflecting a balance ( still showing that it's serviced by XXXX ) and another line showing no balance. The duplicate trade line showing a balance needs to be deleted from my credit report. 

XXXX has been difficult to reach, and when I do reach them, they don't seem to be looking at the details ; rather they are sending general responses to my complaints. 

This is my second CFPB complaint against XXXX.
Product: Credit reporting or other personal consumer reports

INACCURACIES LISTED BELOW XXXX XXXX XXXX AMOUNT XXXX ] EOSCAR CODE  ( XXXX ) METRO 2 CODE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AMOUNT XXXX ] EOSCAR CODE ( XXXX ) METRO 2 CODE ( XXXX ) ( XXXX  ) XXXX AMOUNT ] EOCSAR CODE ( XXXX ) MERTO2 CODE ( XXXX ) ( XXXX  ) XXXX XXXX XXXX XXXX AMOUNT XXXX EOSCAR XXXX XXXX XXXX ) METRO 2 CODE ( XXXX  ) ( XXXX ) XXXX  AMOUNT XXXX ] E OSCAR CODE ( XXXX ) METRO 2 CODE ( XXXX  ) ( XXXX ) XXXX XXXX XXXX XXXX AMOUNT XXXX ] ( XXXX ) METRO2 CODE ( XXXX  ) ( XXXX  ) I Hereby requesting that you immediately block this information from my credit report, as it is the result of identity theft, pursuant to section 605b of the fair credit reporting act and metro 2 compliance please send the required notifications to all furnisher of information regarding the blocking of this XXXX
Product: Credit card

I have filed a claim with Chase about an unauthorized transaction, but my fraud investigation has been closed and unjustly denied. I reached out to the Executive Office regarding this but have received no communication since. 

I attended a concert on the night of XX/XX/2023 ; the venue was dark and crowded. I placed my jacket and bag containing my credit card, drivers license, and cell phone onto a bench behind me during the 2-3 hour concert. At some point during the night, an unauthorized person got ahold of my belongings and made a purchase of an outrageous amount of {$2600.00}. At the end of the night, I was able to locate my belongings nearby when the lights turned back on so I wasnt aware that anything fraudulent had occurred. I only noticed the charge as I was checking my Chase app the following days. I filed a fraudulent report for unauthorized use as soon as possible, but have received a decision that makes me responsible for this transaction claiming that I benefited from this. I have not filed a police report just yet since I was able to retrieve my belongings at the end of the night and I already received a new credit card. I believed that the fraud report would protect me from the unauthorized transaction, but I was wrong in believing this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting an account on Experian that needs to get fixed. They transferred this account to a collection company I have been working with. This is no longer with XXXX XXXX and needs to be removed as they can no longer reflect the true status of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My I have several address that do not belong to me on my credit report, I do not live at these addresses please delete them from my file they are not accurate : XXXX XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX, XXXX, WV XXXX This is my 609,623 FCRA dispute Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in XXXX county. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course. 
Please delete the following accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I have requested online from all three credit reporting agencies ( Equifax, XXXX, and XXXX ) to update my name and current address on my credit profile due to other addresses are not deliverable to me by the U.S. Post office, and they are not reportable as per the Fair Credit Reporting Act. After receiving my updated credit reports, nothing has changed. 

XX/XX/XXXX, I sent certified letters to each credit reporting agencies ( Equifax, XXXX, and XXXX ) along with my Driver 's License, SSN, and a current bill with my current address to indicate the correct address. Again, receiving another update, my credit reports had no changes. 

XX/XX/XXXX, I repeated my steps to each credit reporting agencies ( Equifax, XXXX, and XXXX ) along with a copy of my DL, SSN, and current bill that reflects my new address. Again, upon receiving my updated credit report, my old addresses are still appearing on my credit reports. 

XXXX, XXXX, 2024, I spoke to a rep from each CRA Equifax, stated they could not update via phone. Despite the fact, I sent them what they requested.
Product: Student loan

I received a notification XX/XX/2022, that there was a change to my credit report. I learned that my score had dropped by XXXX - XXXX points because Trellis Company, who is now servicing my federal student loans double reported my loans to my credit report. Currently, my college loans are reported 39 times between Trellis Company and the original loan servicer, XXXX XXXX XXXX.
Product: Payday loan, title loan, or personal loan

OPORTUN personal loan Doing fraudulent Bussiness Open an account using my social security On XX/XX/22 at their XXXX California location for {$6900.00} unsecured loan According to them they need a valid ID and paystub to open up a new loan which is why i asked them how could they use my social security number without a valid ID and pay stub for an application. 
Tried to dispute the loan but they said therea no way they can find the application under my social security so basically they cant help me on disputing the loan I live XXXX miles away from XXXX and haventt been there either
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I received several emails from lnvn funding, which is working through XXXX XXXX ( which i do not understand how they can be two agencies coming after the debt ). The emails went from XX/XX/2021 to XX/XX/2021. On XX/XX/2021 I requested for the agency to validate the debt. Which could be validated by sending to me via email or postal service. After that date I have not received any validation, nothing regarding the debt and they refuse to respond. This is part of right for this to validated. Also they sent personal information to an email they thought was mine but never verified that either prior to doing it with information about a debt and amount owed ( with no validation of debt ) I believe they are now trying to pursue a judgment. With out covering my basic rights revolving debt. I have also read several articles of this agency going against consumers rights and a class action suit.
Product: Credit reporting or other personal consumer reports

The following inquires were added to my credit report without my consent, please remove these unauthorized inquires from my credit report. 

XXXX added an inquiry from XXXX XXXX XXXX ( date XX/XX/23 ) Equifax added a inquiry from XXXX XXXX ( date XX/XX/23 ) Equifax added a inquiry from XXXX XXXX XXXX XXXX XXXX XX/XX/23 ) Equifax added a inquiry from XXXX XXXX XXXX  XXXX XXXX XX/XX/23 ) Equifax added a inquiry from XXXXXXXX XXXX XXXXXXXX ( date XX/XX/23 ) XXXX added a inquiry from XXXX XXXX ( date XX/XX/23 ) XXXX added a inquiry from XXXX XXXX  ( date XX/XX/23 )
Product: Debt collection

They called to inform me that an account of mine had been turned over to them. I was unaware of that being done and when I asked for a letter confirming it they said one was sent out XX/XX/XXXX. I never received it. They have contacted me twice since then and both times I asked for written verification before agreeing to make payment arrangements. Both times they pretty much refused and the one time I was referred to their website to sign in and see it online but I was unable to login at all after trying several times. The last time I was contacted I told them that until I received written verification I would not make payment arrangements, told them it was my right to do so and they were rude saying things like, " How do we know you will get the letter if you have n't gotten the last one? '' assuming that I was lying about not receiving the first communication. No matter how many times I stated my right they still kept trying to get me to setup payments.
Product: Prepaid card

I had a Serve American Express tax card. Someone got a ahold of my card number and added it to their pay pal account and charged {$2400.00} worth of unauthorized transactions. I immediately contacted Serve and filed a dispute. Within days they denied it. I reached out and asked for all information in coming to their conclusion and never received anything. I also appealed it. And reached out to you guys. I just received an email today that they denied my claim again saying that the transactions were authorized. I have sent in a declaration of fraud telling them that I did never authorize these transactions. This time I have also been in contact with XXXX and they have told me that they debited the person 's account that had my card on there. So where is that money it is not back in my account. And also why is my claim being denied again. This is not right. Where is the money from XXXX? And how do they keep denying my claim with nothing to back it up?
Product: Checking or savings account

On XX/XX/XXXX I attempted to access my Robinhood account as normal and it said I had password wrong. I figured I had somehow forgotten after several times. 
When I used the reset password function I did not receive email from Robinhood as I should have. At this point I attempted to contact Robinhood customer support via telephone. All phone options are dead end so I began emailing. I got form response at first, after a week they said " the emails you are receiving about password change are probably another user who typed email wrong ''. Robinhood sent me an email address that I do not recognize and said that it was my email. I replied that it was not. Robinhood has sent form reply, saying they will get to it in 3 days. It has been almost a month. 
I have emailed almost every day.
Product: Credit reporting or other personal consumer reports

1 ) XXXX XXXX XXXX AMOUNT XXXX DATE XX/XX/year> 2 ) AAS CREDIT RECOVERY AMOUNT : XXXX DATE : XX/XX/XXXX / 2024 THEY ARE REPORTING NEGATIVE INFORMATION TO EQUIFAX CREDIT BUREAU
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX, has violated my rights. 

LIST ALL ACCOUNTS HERE : 1. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

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: Student loan

In XX/XX/2019 I changed my repayment plan. Fedloan automatically put me in forbearance ( unbeknownst to me at the time ) so I did not receive a bill in XX/XX/2019. In early XXXX ( approximately XX/XX/XXXX ) Fedloan notified me that if I did not pay {$690.00} by XX/XX/XXXX then they would add that amount to my loan. This money is in addition to my normal monthly payment. I don't think it's right to charge me more than {$1000.00} total when I never requested to be in forbearance in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


TransUnion Name : XXXX XXXX XXXX, XXXX, ANTHO EMPLOYER : XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Collection : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$150000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$280000.00} XXXX XXXXXXXX Balance Owed : {$830.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$24000.00} XXXX XXXXXXXX Balance Owed : {$4700.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$9100.00} XXXX XXXXXXXX Balance Owed : {$22000.00} XXXX XXXX Balance Owed : {$3000.00} XXXX  NAME : XXXX XXXX XXXX XXXX EMPLOYER : XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX  XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$150000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$280000.00} XXXX XXXXXXXX Balance Owed : {$830.00} XXXX XXXX  XXXX XXXX Balance Owed : {$24000.00} XXXX XXXXXXXX Balance Owed : {$4700.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX Balance Owed : {$130.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$9100.00} XXXX  XXXX Balance Owed : {$22000.00} XXXX XXXX Balance Owed : {$3000.00} XXXX Employer : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiries : XXXX  XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Collection : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$150000.00} XXXX XXXX XXXX XXXX Balance Owed : {$280000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$24000.00XXXX XXXX XXXX Balance Owed : {$4700.00} XXXX XXXX XXXX XXXX Balance Owed : {$9100.00}
Product: Credit reporting or other personal consumer reports

I opened my first credit card in XX/XX/XXXX and my last one in XX/XX/XXXX none of my Nine ( 9 ) accounts is appearing on my XXXX an Experian report. When I call them they say my lenders or creditors are the ones not reporting to them but when I contact those lenders and creditors they confirm that they report to all 3 agencies
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. 
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 Account # XXXX Amount : {$0.00} XXXX XXXX XXXX XXXX Account # XXXX Amount : {$0.00} I am also including an FTC Identity Theft Report with the reference number XXXX to further support my claim of identity theft. This report provides additional documentation of the fraudulent activity linked to the XXXX data breach. As mandated under 15 U.S.C. 1681c-2, upon receiving this identity theft report, credit reporting agencies are required to block and delete any information identified as resulting from identity theft within four business days.

Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

OnXX/XX/XXXX I did an early buyout on my XX/XX/XXXX F-150. On XXXX XXXX, Ford still took the payment out of my account but this was normal since I was so close to the billing date. I contacted Ford Credit on or around XX/XX/XXXX and was told that they would send me a check for the XXXX dollars. On or aroundXX/XX/XXXX, I still had not received payment so I contacted Ford Credit again. They claimed that the dealership had not made the last two payments so I still had one more payment owing. I contacted the dealership and they were able to show that they had indeed paid the last two payments. The dealership contacted Ford Credit and then called me back and said I should expect a check. OnXX/XX/XXXX I called and was told that I would be receiving a check for XXXX dollars due to excess wear and tear ... .I bought the vehicle outright and the dealership had sent the excess wear and tear waiver at the time I bought it but Ford Credit wo n't actually talk to the dealership and wants me to do all the work even though it is their mistake.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax as well as trans Union and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax as well as trans Union and Experian credit bureaus consistently responds within 24 hours stating the account is accurate, without providing any evidence of 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, trans Union, and Experian 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 request 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 and addresses that I have marked as an accurate. Addresses- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to remove bogus information that has been placed on my credit report by a company named XXXX XXXX through Experian. This company has no account verifying information other than my name and a former address, yet continues to update my credit report with this erroneous information. I feel this is identity theft and Experian in doing their investigation has failed to get this company to prove accuracy of the account being initiated by me, other than having my information on file.