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

My Comenity XXXX store credit card was transferred to XXXX in XX/XX/2020. I've always paid the card on time, and when it was transferred, it had a XXXX balance. 

I'm in the process of getting a mortgage, and my mortgage broker found that Comenity is  reporting that I have a balance with Comenity/XXXX  of {$110.00} and a past-due amount of {$32.00}. Since ( a ) I've never been late, and ( b ) the account is closed, I called Comenity to ask them to resolve it. 

After talking to 5 people, four of whom were supervisors ( and all of whom acknowledged that they didn't see any late payments or outstanding balance ), no one was willing to take ownership and resolve the issue.

Because the rate lock for my mortgage is approaching expiration, I don't have time to send a letter to Comenity and wait for them to fix the problem ( the error that is acknowledged by all of the five reps and supervisors to whom I have spoken ). Timing aside, it's incredibly frustrating that they will not take ownership and resolve their error, and that their error should require me to battle the bureaucracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

For a little over a year now, we have been actively challenging the credit bureaus to investigate inaccurate information listed in my credit report. We have asked for methods of verification, proof of signed documents that ties me to the Public record in question as well as the negative accounts associated with the public record. Transunion has always sent the same response that the public record is reporting accurately. Well, this is false. My records show that the public record was last updated on XX/XX/2019. Transunion, you have stated for months that the public record/bankruptcy was last updated on XX/XX/2019. This is inaccurate and the proof will be attached. Asking for immediate removal of this public record as it is not reporting accurately as it should be. If you have the original information in hand then you would know when the case last updated. But you dont, therefore, its inaccurate. 

Also, TransUnion you were sent a copy of my drivers licenses and a utility bill for purposes of identification. You have continue to send the updated credit reports with the name XXXX XXXX. Who is XXXX XXXX? I feel that I am a victim of a merged or mixed file and I DEMAND immediate removal of the public record and the negative accounts listed on my credit report as they are unverified. Based on YOUR credit reports, you are telling me that those accounts and the public record belong to XXXX XXXX and not XXXX XXXX XXXX. 

I have been denied credit, housing and have been humiliated because of you. When someone pulls my Transunion reports they see a totally different person than the actual person applying. Therefore, they have denied me for credit, housing, etc because of the mixed or merged file you are falsely showing. 

I have kept all correspondence, credit disputes in a file and am prepared to show a judge and a jury this egregious mistake you have made. I will not be able to move forward in life until this mistake is fixed. 

I demand the following : 1. Immediate deletion of the public record ( XXXX XXXX XXXXXXXX XXXX # XXXX 2. Immediate deletion of XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXX, and the removal of the merged or mixed file containing XXXX XXXX. My name is XXXX XXXX XXXX, not XXXX XXXX. 
XXXX. {$1000.00} per FCRA violation listed above. 

Failure to remedy the above will force my hands to seek legal action against your company. 

Thank you XXXX XXXX XXXX
Product: Debt collection

Credit Corp Solutions INC violated multiple laws under the Fair Debt Collection Practice Act. The first violation was 15 USC 1692c ( a ). They sent me mail which is very inconvenient to me. I didn't give Credit Corp consent to communicate with me through any mediums. That in fair is a violation. 

When Credit Corp communicated with me without my consent they stated in a letter multiple time that this debt was mine and that's a clear violation of 15 USC 1692b ( 2 ). They have no right to say that I owe a such debt.
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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

Today is Saturday XX/XX/2023. I called Equifax. I went on the site to dispute two Harding inquiries. 
The first representative had no clue wanted a police report wouldn't help ask for supervisor I got his survey. 
Finally I got a hold of a supervisor by the name of XXXX. 
Omg she's as bad as her representatives. And I have a lot of knowledge and expertise and I'm a customer service and billing consultant and make secret calls for corporations. 
Anyway. I go into disputes on their site I dispute the hard and inquiry it only gives me three options that I didn't authorize it that it's fraud and it's not mine? 
Above it it says if I wanted to add additional comments which I did because those are the only three options and none of them apply. 
So I hit edit and it brings me back to the original screen to submit the dispute. 
I don't know how many times I was asked with the problem was that I need to do it on line I went through it tried the disputes told him what I was seeing. 
So speaking to the supervisor I assume she would be able to do it on the computer because the phone computer says that I can do it manually with a representative. 
she had no clue. She took my statement but I know she wasn't typing it in that's why I asked her for her name. 
There's two hard inquiries and one is from a credit called called XXXX Nowhere on their application is there any disclaimer that they do not service certain states and one of them is my state of Massachusetts. 
Knowing that and knowing the application from Massachusetts there should have never have been a hard inquiry. And my denial letter stated it was because they don't service Massachusetts in a few other states. 

But with only those options and no ability to add comments how in the world are they going to know what happened and they're only going to go by what I pressed for an option. 

I want these disputed and one of them is Equifax mortgage services. Which is basically they do a run so lenders can get a hold of me. 

I'm a veteran I'm using VA home loans. They're not even on my report. Equifax had no rights no permission to run a hard inquiry just for their own sake so they could third party it out. 

Those two items I want disputed because of the answers I've just given. 

Thank you for your time I'm adding screenshots of the ones I want removed. Also screenshots of disputing it and the problem with me being able to add a comment and only the three options available to dispute something. 
Also I believe it's the last one I uploaded it looks like I need to file the complaint and submit it but that's what it looks like after I hit edit so I can add a comment
Product: Credit reporting or other personal consumer reports

Kindly remove and block the unauthorized accounts on my credit report at your earliest convenience. I did not authorize these accounts and have no knowledge of their origins. As per USC 1681g, I formally request their removal within 15 days. Enclosed are the necessary documents for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was no correspondence no notification of any updates
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX has been calling me saying I have a old Dept to pay. I had ignored the calls, but upon checking my credit report, I found they had placed a negative on my report against me. I called the number on the credit report for them, they told it was a dept from 2017 & that either I or a family member had taken a loan from some XXXX XXXX XXXX. The loan was made on the internet for over {$4500.00} way back in XXXX of 2017. I would never use the internet to take out a loan. They even claim I made XXXX payment toward the loan. How could I make a payment towards a loan I did not take out or ever get bills to make a payment toward. They than went on to tell me that it had to be someone who had access to my bank info in my home, they pulled up my son 's name, who has not lived with us for over 10 years. They told me to contact him, that he probably had done it. They also gave me a name of someone with the same last name as I have. This company has also called my kids, telling them I owe a outstanding dept. How did they get their numbers & why would you call someone's family members. This has now been placed on my credit report, I want it removed, it is not my dept, how can they just do this!
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX {$XXXX}
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility.This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this. 

XXXX OF XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my reports and noticed you are reporting the numerous account numbers and various open dates for this account XXXX XXXX XXXX XXXX and XXXX ). Because the accounts being reported by your company, XXXX, Equifax and XXXX are different, this means the account has not been properly verified. Please delete this account immediately.
Product: Debt collection

In XXXX, XXXX increased my wifi bill without your consent or prior notice. After informing a representative that I no longer wished to continue services, they continued to charge me and mentioned that my bill would reduce upon returning the equipment. 

On XX/XX/year>, I physically returned the equipment to XXXX 's store location in XXXX, GA, on XXXX XXXX, and received a confirmation receipt for the return. They credited my account with {$150.00} as a balance adjustment for returning the equipment. 

However, even after this credit was applied, I received a notification on XX/XX/year> stating that I had an account balance of {$150.00}, which had been sent to collections due to non-returned equipment. Upon contacting XXXX, a representative acknowledged the error on their end and mentioned that they would create a case to resolve the issue. 

Unfortunately, this situation has caused setbacks to my future plans. Additionally, when I paid the remaining balance for their service, XXXX took the payment and applied it towards the collection amount, which was unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries and the companies behind them used my personal information without my knowledge and permission. I am asking kindly of you to delete these inquiries as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my credit reports that I do not have knowledge of. I have attempted to contact each of the companies who " inquired '' to my credit report and they advised me that I need to contact the Bureau which they are showing. I have attempted to contact all 3 credit bureau 's on several occasions and listed the names and dates of the inquiries along with a few duplicate inquiries and they were not helpful. They pointed me back to the company who originally submitted them. One rep encouraged me to file a police report and told me this had to be fraud before they could do anything about it. Per the credit bureau 's website it states to contact them directly with any disputes, there is nothing indicating a police report is needed before they will even speak with you about you concerns and there is nothing indicated that you need to talk to the orginal company who requested to view your credit report. Please help!
Product: Credit reporting or other personal consumer reports

Have address 's tht I've nvr lived vehicles a home loan I know nothing about someone's ss number on credit report all false credit score impacted data breaches
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I notice an account from XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( See Attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus ( See Attached ), along with my incident report ( See Attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you for help me with this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/2025, I discovered that my crypto account had a lot of trades between the hours of XXXX to XXXX which includes selling, buying, conversions and transfer of my crypto assets without my knowledge or consent. Upon identifying these fraudulent charges, I promptly reported them to PayPaXXXX on XX/XX/202XXXX XXXX XXXXXXXX by phone, thru Customer Service and their XXXX Department. Despite my timely reports and attempts to resolve this matter, a denial was still found.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies are reporting 30 day lates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with MIDWEST RECOVERY SYSTE ( Original Creditor : XXXX XXXX XXXX ), MIDWEST RECOVERY SYSTE ( Original Creditor : XXXX XXXX XXXX XXXX - XXXX ), and XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX, XXXX, MIDWEST RECOVERY SYSTE ( Original Creditor : XXXX XXXX XXXX ), MIDWEST RECOVERY SYSTE ( Original Creditor : XXXX XXXX XXXX XXXX - XXXX ), and XXXX/XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to set up the Experian account to get free credit report and credit monitoring as part of settlement. When I login, Experian says it will send a text message to my OLD expired HOME PHONE which can not even receive text, I can not choose the " Choose security Questions '' option as this is erroring out. A phone number is given to contact Experian and when I call, I can not reach a human being, the automated call response boldly states, either you deal with the automated option or disconnect, it is incredibly frustrating.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern and submit a complaint to CAPITAL ONE regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable account. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, CAPITAL ONE will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.
Product: Payday loan, title loan, personal loan, or advance loan

I saw on my credit report that Achieve charged off, written off or profit and loss written off the account. I know that when they put that on the credit report they filed a 1099-c on their taxes as a write off. I want a 1099-c so I know that they can't sell it to collections and it will be removed from my credit reports. I mailed them a letter asking for the 1099-c and they have not provided me with anything. I certified, return receipt the mail on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I recently discovered that my creditor failed to provide the required XXXX notice before the payment due date, along with the statement that outlines my balance and due amount. This notice period is critical because it ensures that I have adequate time to review my statement, arrange for payment, and avoid any late fees. Due to this oversight, I was not given sufficient time to make my payment on time. As a result, the creditor charged me late fees, and it now appears as though I did not pay my bill when, in fact, I was not given the opportunity to do so within the proper timeframe. This situation arose due to the creditor 's failure to follow the proper notification procedures, and it is their mistake that has caused this issue. I expect that, given this error, the creditor will rectify the situation by waiving any associated late fees and adjusting my payment record to reflect that this delay was due to their non-compliance with the XXXX notice requirement, not my negligence.
Product: Debt collection

Debt has been paid in full ; Discharged Via 1099 Cancellation of Debt
Product: Checking or savings account

On XX/XX/XXXX, I realized that there was fraudulent activity in my checking account. Someone had stolen my checks, and was cashing them. I flagged this to US Bank, filed an affidavit for each check that was fraudulent ( a total of 5 ), and also completed a police report as well as a written statement. After jumping through all of US Bank 's hoops, I received noticed that I would not be receiving reimbursement ( ~ {$1700.00} ) because I was " negligent with my checks ''. They 're essentially blaming me.
Product: Checking or savings account

I rented a car XXXX to take a trip to XXXX in XX/XX/2024. I ended up canceling car and XXXX sent me back a refund and I never received it Ive sent them multiple receipts from XXXX and they keep telling me it was returned to my account but can never provide proof of the transaction
Product: Debt collection

The following individuals have been accessing my personal credit reports without my permission and impersonating they are me as well as government officials. 
1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX The above mentioned parties have repeatedly accessed my credit reports without my permission and acting as if they are me,
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!