23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I do not owe this debt because i has a medicaid card that would have taken care of it and now it is making my credit look bad i have had a medicaid card since 2008, and nobody at the hospital said anything about not accepting it and i did not receive any bills for the XXXX visit so i dont feel like it owe it
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is reporting false information about my account. 
For example, all the false statements as " Too many installments accounts with a delinquent or derogatory payment status. '' The above statement is completely false and not true.
Product: Credit card or prepaid card

I received an email on XX/XX/2018 that my mailing address had been changed. I had not changed the address so I contacted Capital One where they informed me that a fraud alert had been placed on my card so a new card and number were issued and then the mailing address was changed so the new card would be sent to whoever was pretending to be me. Capital One handled this very well and changed everything back and put a fraud alert out for me with the credit bureaus. On XX/XX/2018 I received another email stating the same thing as before. The same person at the same mailing address had done the same thing that they had done on the XXXX. At this point Capital One put a restriction on my account so that they would have to contact me by phone before any changes could be made to my account. I was satisfied with this until XX/XX/2018 when I received a third email stating the same as the first two. A new card had been issued and the mailing address had been changed a third time and no one had tried to contact me as they said they would. When I called to change my information and report the problem I was told that because of the restriction I would need to submit several documents and it might take up to 72 hours before they could handle my requests, but they had obviously let someone else make the changes to my account with the restrictions in place. I was never able to make the changes to my account and canceled the entire account out of frustration. I also had to forfeit {$250.00} worth of rewards when I canceled because I had to have the restrictions lifted in order to use the points and I was not willing to let an identity thief have a card on my account for 72 hours while they approved my documents. I am extremely angry that I could not do anything with my account without all the documents they wanted, but they had obviously let an Identity Thief do it.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : 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 and incomplete that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate and incomplete 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. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct starting with the List of accounts. If not, please remove it from my credit report Immediately. 
Inaccurate and Incomplete Information 1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX NA Date of Inquiry : XX/XX/2023 Delete the Inquiry from my Credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of Inquiry : XX/XX/2023 Delete the Inquiry from my Credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX CXXXX XXXX Date of Inquiry : XX/XX/2023 Delete the Inquiry from my Credit report. 

4.15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 Delete the Inquiry from my Credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of Inquiry : XX/XX/2023 Delete the Inquiry from my Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has violated my consumer rights. They will not remove or fix a XXXX XXXX account from my consumer file that shows a wrong date of last activity. They are infringing on my consumer right to privacy, I did not give them permission to publish this on my consumer report, they do not reinvestigate my consumer report to make sure the information is correct like congress said they had to and they are being unwillful in complying.
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns about several issues I have encountered with the credit bureau, including inaccurate account listings, incorrect credit reporting, billing discrepancies, and accounts that do not belong to me.
Product: Mortgage

I applied for a home mortgage and everything was approved so we started looking at houses. We put in one offer but wasnt accepted. We found another house and went to put in a offer on it and i was told by my mortgage company that they lost the approval and could not get it back. Thdey told me they dont know what happened and could not figure it out. I have been waiting 2 days to hear from them and have not heard anything from them at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Rights is continue to be violated, This the correct info that should be showing on my credit report. 

Name : XXXX XXXX XXXX Date Of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX , Iowa XXXX any other address or names is not legal. 
I'm citing the laws below, The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX.
Product: Credit reporting

Equifax refuses to remove the unauthorized inquiries off my report. There are 46 inquires on my report. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX 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 card or prepaid card

XXXX XXXX wallet was stolen around XX/XX/XXXX. XXXX XXXX is haveing problems getting another card. I do not have any ID and do not have any money. The PNC Bank checking account gets my XXXX XXXX XXXX XXXX and my Social Security Disability direct deposited every first of the mounth. There are some that do not want me to have any money. Also there are some that want to inherit. There is alot of money that come in my name and profile. There also is website account they call it, that is from law suites. I have never got any of checks or anything from the website account. Call XXXX XXXX about the situation. Phone number is XXXX. Address is XXXX XXXX XXXX XXXX. XXXX XXXX Ga. XXXX. Birthdate is XX/XX/XXXX. Thank You. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed 22 credit  inquiries that I find to be problematic.Please investigate these inquiries at your earliest possible convenience, I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Below are the unauthorized hard inquires that are not associated with any open lines of credit on my credit report. 
XXXX/XXXX Inquiry : XX/XX/XXXX Specialty - Shoe, Hat, Etc. 
XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX - XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX General Clothing Stores XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 
XXXX/XXXX  Inquiry : XXXX XXXX, XXXX Specialty - Shoe, Hat, Etc. 
XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies
Product: Credit reporting or other personal consumer reports

I used Zelle for years thinking it was safe and secure and I am aware that there are many instances of fraud. My information may have been shared or compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the bureaus about some inaccurate items showing on my credit report. It has been over 60 days and I have not received a response. I have done what I am told am capable of doing as a consumer, but it seems like my concerns are overlooked and go unanswered. I demand that my concerns be addressed and that these items reflect instructions included in the attached letters. Please delete the items that have been requested to be deleted, and update the items that have been requested to be updated immediately. 

I have attached my drivers license and a utility bill for verification of ID
Product: Credit reporting or other personal consumer reports

On XX/XX/ I mailed via certified mail Experian a debt validation letter and expected to receive such debt validation from the original creditor within 30 days. The debt I request validation on XXXX XXXX XXXX acct XXXX XXXX Experian opened a dispute on my behalf and closed the dispute without sending me the debt validation information I requested. I received a letter and it does not include any new information. Experian never responded to my debt validation request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a consumer in fact as defined under 12 CFR 1006.2 ( e ) I need validation and demand that the consumer reporting agencies abide by the federal law ( FCRA ). As a consumer, pursuant to 15 USC 1681 ( a ) ( 4 ) I have a right to privacy, Im being denied credit due to the reporting agency 's invalidated report, and pursuant to 15 USC 1681b ( a ) ( 2 ) reporting agencies must have my written instructions and consent to furnish my report.

Every time I filed a dispute, the reporting agencies keep telling that they are working on it and no result. I am submitting a " NOTICE OF FAULT '', before filing my lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted numerous times to remove XXXX collections from my credit report with no luck. The accounts are XXXX, XXXX XXXX XXXX XXXX XXXX, and Midland Credit Management .
Product: Credit reporting

There is a wrong address on my Equifax report. I have never lived at XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my repeated submissions, XXXX consistently responds within 24 hours claiming that the account is accurate, without providing any evidence of a thorough or reasonable investigation. This conduct violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ), which requires a reasonable reinvestigation of disputed information. Additionally, XXXX 's actions may also be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as underscored in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) addressing similar noncompliance issues. 

I respectfully request that the CFPB take appropriate action to ensure XXXX complies with federal law and provides consumers with adequate evidence of their investigation process. The account in question is as follows : Account Name : XXXX XXXX XXXX Original Creditor : XXXX Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6800.00} Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Date XXXX Balance : {$650.00} Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened XX/XX/XXXX Balance : {$2100.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$220.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  Account Number : XXXX Opened Date : XX/XX/XXXX Balance : {$630.00}
Product: Credit reporting or other personal consumer reports

It started in XXXXXXXX XXXX XXXX  I noticed a lot of hard inquiries that I don't recognize. I called Equifax, and Transunion and informed them about the Fraudulent activity on my account from the inquiries. I Dispute the following hard inquiries on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C 1681i ), Unverified Inquiry 's Must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I disputed an account reported by XXXX XXXX XXXX in the file you maintain under my Social Security number for the. first time. I was informed on XX/XX/2022 that the item was deleted from my credit report. Now I have discovered that the item has been inserted on my credit report on XX/XX/2022 for the second time after it was removed yet again on XX/XX/2022. Then it was removed on XX/XX/XXXX and was recently inserted back on XXXX XXXX. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.
Product: Money transfer, virtual currency, or money service

On XX/XX/20 at around XXXX my Cash app card started declining transactions and I have money in the account I emailed the cash support and nothing was resolved I have sent several emails and nothing is being done
Product: Debt collection

A person called me today XX/XX/XXXX at approx XXXX XXXX  and left a voicemail. Message was left by a person called XXXX XXXX and they did NOT mention the agency that they were calling from. The caller ID came up as local to me ( XXXX, XXXX  ) at XXXX. In the message I was told they were contacting me due to a pending action against me and to call back immediately or they would be forced to make a decision without my consideration. Initially I ignored it, XXXX  the number and saw it came up right away as a scam alert on XXXX. 5 minutes later my adult daughter called me panicked that the same person called her threatening that if she didn't get me on the phone or for me to call them right away I could be facing legal penalties and possible criminal action. My daughter suspected fraud as well and the person hung up on her. After she relayed this to me, I called the number that was provided to me in the voicemail XXXX ( I did *67 to block my caller ID ). XXXX XXXX answered ( NOT the same person who left my message - different voice and no accent this time ). He asserted that he was working for XXXX XXXX XXXX out of XXXX. I asked for a website to visit the business but they don't have one. I told him I couldn't find them on XXXX  and he said law offices are not on XXXX. He was emphasizing that a subpoena was sent to me at my home and that I had to speak to an attorney. He forwarded my call ( I didn't take note of her name but she confirmed she was not an atty ). She said this was a debt collection from Capital One bank for a balance owed from XXXX. I then explained that I filed bankruptcy in XXXX ( XXXX XXXX XXXX and that I've carried a Capital One account since the filing and have immaculate standing. She was instant that I owed the debt and if I didn't pay I'd have to go to court. She ultimately hung up on me. 
I called Capital One and spoke to an agent. I was assured a few things from Capital One ; they settle their own debts and do not use 3rd party agencies nor do they sell the debt off, they don't use outside attorneys, they've never heard of XXXX XXXX XXXX, and that the debt from XXXX is far beyond any statute limits to collect at this point. 
This whole thing was very unnerving - the people contacting me were calling me by my prior married name but were able to confirm w/ me that they had ALL of my personal information. It feels like such a breach of privacy. I have already put a fraud alert on my credit to take precautions because I've spent the last 13 years building a solid credit history. My daughter also filed a complaint w/ XXXX  as well as the FTC XXXX Thanks for hearing me out here and looking into all of this. Attached to this complain is the voicemail that was left for me.
Product: Credit reporting or other personal consumer reports

I am asserting my right to dispute and investigate these erroneously reported accounts on my credit file. According to the Fair Credit Reporting Act, I should be compensated XXXX for each incorrect entry. I know that FCRA 605B obligates us to report any incorrect accounts on a consumer 's report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The if the problem and remove the unauthorized information from my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan was reaffirmed XX/XX/XXXX and mortgage company is trying to submit my default payments from XXXX for the purpose of getting credit agencies to not reinsert my loan that is open and current. 

The Fair Credit Reporting Act requires creditors to furnish complete and accurate credit information to the credit reporting agencies. If you have reaffirmed a debt and you are making timely payments to your creditor, the creditor has an obligation to accurately report your payment history to the credit bureaus. If they fail to do so, you are potentially entitled to recover statutory damages, as well as any actual damages you may have sustained as a result of diminished credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX # XXXX, OHIO XXXX XXXX XXXX # XXXX. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately
Product: Credit reporting or other personal consumer reports

I've made repeated efforts to address the issue of unauthorized inquiries on my consumer report without success. These inquiries have no connection to me, and I am not accountable for them. Their presence has resulted in severe emotional and financial strain. As an identity theft victim, I may be compelled to pursue legal recourse if this issue isn't resolved appropriately. These false and fraudulent entries have obstructed my plans to purchase a home and meet my family 's financial obligations, significantly impacting my economic stability. I've included a copy of my previous correspondence to the Federal Trade Commission ( FTC ) detailing this matter for your reference.