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

I am writing to address the inclusion of unauthorized accounts on my consumer report, which have been linked to identity theft. I never provided written authorization, including a wet signature, for their inclusion. This matter was recently discussed with your organization, and I am formally requesting the immediate blocking and removal of these accounts from my report.

The presence of these unauthorized accounts has caused me significant emotional and financial distress. They inaccurately represent my credit history and responsibilities, hindering my ability to achieve important financial goals such as purchasing a home and meeting the needs of my family. If this issue is not resolved promptly, I am prepared to take legal action to protect my rights and seek resolution.
Product: Credit reporting or other personal consumer reports

I submitted a email to the CFO of Capital one bank as well az filing disputes with XXXX on inaccurate payment history reported to the XXXX major credit bureaus on two accounts I have with Capital One on the dates of XX/XX/2024, XX/XX/2024, and XX/XX/2024. On XX/XX/2024 I spoke with a rep at Capital One bank regarding both of my credit cards being inaccurately reported paid late for XX/XX/2024 as the month has just begun and the payments of {$33.00} and {$77.00} are not due until XX/XX/2024. the rep by the name of XXXX told me he has no control of changing what was reported to the credit bureau. i then filed disputes with XXXX on XX/XX/2024. dispute providing proof of the payment due date being in the future the incorrect payment status remained and no dispute was closed. this has affected my XXXX XXXX and caused it to drop XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX UNIVERSITY XXXX  ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2025 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Dispute Regarding False report on credit profile Dear Sir/Madam, I am writing to formally dispute an issue I have encountered with XXXX XXXX XXXX XXXX , that I believe requires your immediate attention. I have made several attempts to resolve this matter directly with the entity, but have been unsuccessful. I am seeking your assistance in investigating and resolving this issue. 


XXXX. **Description of the Issue** : False information on credit report I am requesting that the CFPB investigate this matter and intervene to ensure that the issue is properly addressed and rectified. Please let me know if additional information or documentation is needed from my end. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> I received a letter from bank. Bank used part of name in signature of XXXX to forge a letter to customer citing an invalid credit file from staff improper use of credit report. I'm from XXXX so company used part of the beuitiful american shape of signature to perceive XXXX translated letter from artificial intelligence of a XXXX writer that has a federation XXXX name that's is not of star spangled banner with forbidden accents in reading name left from right is improperly using customer name of consumer report without full spelling to produce english languege without a clear creole person of XXXX ; than they keep applying unauthorized accents to name ( customers inner voice ) indicated with abbreviation applied for service of open credit account. Bank is stealing customers arms of the republic to portray a member of the workforce and deny customer account services from applying accents to customer name out of signature of XXXX designate English by social security number. Bank staff did not use correct association XXXX XXXX XXXX in wiring due from artificial intelligence translator unable to recognize birth-given name and company provided response from translator without considering customer 's open credit account of grandfather XXXX  I gave company website social security number and staff is not a competent english person from XXXX and is a XXXXXXXX XXXX  person acting in hate to clear creole people of the republic for their XXXXXXXX XXXX XXXX XXXX Using citizens own arms against citizen than acting as if my inner voice doesnt have a given name.The XXXX XXXX people of XXXX keep denying grandfather XXXX account of US. They keep trying to rename my inner voice that's indivisible of the US flag from grandfather XXXX XXXX that's called open credit account. I have not received account services since providing social security number to web page that Is just a piece of paper of all of my stuff. In the united states a name is a man 's innervoice. You don't know me. I am from the dark ages. I keep getting challenged by XXXX accents of XXXX that's not registered with creole of XXXX XXXX XXXX I have a rich and powerful name of grandfather XXXX & staff refuses to use credit report properly.
Product: Payday loan, title loan, personal loan, or advance loan

I have provided value in form of Financial Security Instruments ; i.e., the Application form, Personal SSN, and copy of personal Bill of Exchange in form of utility bill. All of which are Security Financial Instruments in which they underwrite to then monetize and withhold that value in return from me. 

I applied for an extension of credit in the Sum Certain of XXXX. 

I have given multiple offers to reconsider and also my counter-offer to their denial and discrimination. Their constant refusal is leaving me damaged. 

While I do understand the company and bank have their own regulations, those regulations DO NOT supersede Government Regulations. Federal Law, House Joint Resolutions and United State Code Title 15 Chapter 41 sub chapter 4 all state the rules and regulations regulating Financial Institutions against this very type of discrimination and denying any consumer/original creditor the extension of our credits REGARDLESS of Any INFORMATION TAKEN FROM A CONSUMER CREDIT REPORT. 

It is against the law for ANY bank to loan " money '' since all credits originate from the consumer especially because there is no money of trade but only money of accounting. 

I have expressed many times my desire to want to work with them in GOOD FAITH and HONOR in exchanging Financial Instruments for the extension of my credit.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or list of inq

uiries 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: Other financial service

My issue is with Morgan Stanley and an Inherited IRA. M.S. will not release my late husband 's IRA to me of which I am the sole beneficiary. The IRA in question was not originally opened at M/S ; it was opened with XXXX XXXX. XXXX was taken over several years ago by Morgan Stanley, which meant M/S also ended up as the new owner of my husband 's IRA by default. My husband passed on XXXX/XXXX/XXXX, but I did n't pursue the transfer of the IRA until approximately XXXX XXXX. 
For the past six months & although I have requested that the paperwork from the XXXX XXXX Department be sent to me and was told it would be, it never was. 
Finally on XXXX/XXXX/XXXX, a Rep. named XXXX told me what was going on. Evidently when XXXX XXXX was taken over by Morgan Stanley and my husband 's account was taken over by M/S, someone by the name of XXXX XXXX was placed on the account. XXXX admitted that M/S does n't know who XXXX XXXX is and why she was placed on the account. This account was close to XXXX dollars on XXXX XXXX, XXXX and now it 's closer to XXXX. I do n't know who XXXX XXXX is and do n't care ; I just want to be able to transfer the money to an account of my choice. M/S should n't be able to hold my fund hostage just because they ca n't figure it out. I have been told by a XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX and more recently XXXX on XXXX/XXXX/XXXX that a compliance Manager would get back to me and get this resolved. I have told that I would get a call time after time ; well to date the only thing that has happen is the value of the fund has gone down. Can you please help me? 

THE ACCT. # = XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft.

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

2. UNKNOWN- Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

3. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX

4. XXXX Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XXXX ( Reported Identity Theft ) 2. XXXX on XXXX ( Reported Identity Theft )
Product: Debt collection

This is my formal complaint against Amerifinancial & XXXX. They both have continued to report an account on my credit report that has not been verified. I have sent a certified letter to Amerifinancial requesting debt validation per my right under the Federal Debt Collection Act ( see attached document ). As of today, I have yet to receive any documents or information from this debt collector. Due to the inability to verify this account with the debt collector, Amerifinancial, I invoked my right under the Federal Credit Reporting Act and disputed this account to XXXX. XXXX  has continued to report this account although, Amerifinancial, did not follow the law. If this debt is valid, why is it that I can not get it verified as I should. XXXX  and XXXX  have stopped reporting this account, yet for some strange reason, XXXX  has continued to report it. The LAW is clear and straightforward, and I feel as if XXXX  & Amerifinancial is using this pandemic as a means to break it and violate my rights. Additionally, I went to the XXXX  website on XX/XX/2020 to determine if " a description stating the account was in dispute '' had been updated/added to the account, because I have continued to dispute it, as of today it's still showing with not dispute comments and/or marks ( see attached document ). As you may know, small business owners are suffering during this time and it's imperative that my credit reports are reporting accurately so I can obtain the business funding needed to sustain myself during these hard times.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX year old son and I initially contacted Equifax XX/XX/XXXX about placing a security freeze for him. After some back and forth and no substantive response from Equifax, we called again XX/XX/XXXX and were told that it's not possible to create a security freeze because he is over XXXX years old and does not have a credit file. We were told that once he has credit, then they can place a security freeze. 

I told Equifax that XXXX  and XXXX  were able to place a security freeze by creating a credit file for my son and then placing the freeze. XXXX is the only company that won't do this. Equifax indicated they are in compliance with regulations. 

My complaint is that there is no way to fully protect my son 's credit if Equifax won't freeze his credit. I question if they are in compliance with regulations. If Equifax is in compliance, they should protect consumers like the other companies do. Especially since they were involved in one of the largest data breaches ever.
Product: Credit card or prepaid card

Barclays has locked my Frontier Airlines XXXX account behind a series of security questions to which I never setup answers. I was unable to login to schedule a payment until I called their support team to have my account unlocked. My account was locked because I could not log in with my username and password without answering security questions that I never setup. After regaining access to my account on a single computer, there is no way to reset these security questions, which I never setup in the first place. There appear to be 3 questions : XXXX. What was the house number of the home I grew up in? XXXX. What was the name of my hometown newspaper? XXXX. What was the name of your highschool. I have only had this card for a few months, and at no point during any registration process was I prompted to provide my answers to any of these 3 questions. I am still unable to access my account on more than one device becuase I am still prompted for these security questions that I do not have the answer to, never setup, and have no means to change. 

After speaking with their terrible offshore support and going through a process that I firmly believe 80 % of US consumers would be unable to successfully complete, I regained access to my account after performing a password reset. I paid the balance 1 day late due to this issue, but not before they charged me a {$29.00} late fee. I believe that they are likely doing this to swarms of users to make it more difficult for customers to schedule on-time payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID XXXX  OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE CRIMINAL COMPLAINT TO FEDERAL AGENCIES I XXXX VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I received my credit report on XXXX XXXX XXXX and notice there were hard inquiries that don't have permissible poupose to be on there. these hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about the multiple time they violating my rights under 15 USC 1681 ( b ). I also have the hard inquiries that don't have no purpose to be on my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Transworld systems is threatening to take my mom 's assets. We have Tried and tried to make a payment plan they won't help us. My mom is the co signer and I'm on the loan as well. They won't even talk to me after being very rude and threatening us.
Product: Student loan

I am currently enrolled in the SAVE program and was not informed about the interest freeze so I inquired if my interest was currently frozen and placed into forbearance. I was informed that because I am in school I don't qualify despite being enrolled in SAVE. I asked for documentation outlining this exception and have been ignored without response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 My cell phone ( XXXX ) was ported over to a different carrier and many of my accounts were hijacked in an attempt to steal my identity. 

My XXXX account ( XXXX ) which was a recovery email was also hijacked. I am unable to recover my XXXX account. I have made several attempts to recover this, but am unable to speak to a human being to solve my issue. It's amazing that someone could steal my account that I've had for almost 30 years, and I can't prove that it's mine. 

I am unable to recover my EquiFax account. I have made several, unsuccessful attempts to recover both. Security questions that are asked for recovery have items that I can't answer because they're not mine.
Product: Debt collection

I called this attorney 's office several times regarding two credit cards, XXXX and XXXX XXXX, I told them I have no job and I'm XXXX and live on Social Security and I am saving to file XXXX XXXX Bankruptcy. This has been almost a year, and every other month I get court documents of this attorney 's office trying to sue me. This has been ongoing, and CFPB is NOT protecting me against a predatory collection attorney. I owe 4 years on my car, and I rent a room from my ex husbands home. I have no money for legal, my social security barely pays my living expenses. I have a XXXX protected by the Americans with XXXX Act. I need them to stop HARRASSING me. 

XXXX XXXX XX/XX/20XXXX XXXX
Product: Debt collection

I had a notification on my XXXX XXXXXXXX that there was a derogatory account with Sentry Credit Inc which was reported on XX/XX/XXXX for the amount of XXXX. I've called sentry Inc at XXXX XXXX XXXX multiple times and they just keep going in circles without giving me a solution. 
The creditor is XXXX XXXX  XXXX where I use to live with my parents back in XX/XX/XXXX. I ended up going to the office to let them know I needed to get out of the lease since I was going to attend college in XXXX. I have the copy of the lease agreement stating it. I went to the apartments but unfortunately the property was sold so they couldn't help me. They took 3 years to report it until XXXX of this year and I wasnt able to fix it right away since I had given birth in XX/XX/XXXX. I really need this to get off my credit score since now I have a family and Im trying to apply for an apartment and unfortunately Im not able to since its has a huge impact on it.
Product: Mortgage

my name is XXXX XXXX my telephone number is XXXX my address is XXXX, TX XXXX I 'm complaining about my heart loan that was originally approved with XXXX XXXX XXXX the originator of my loan which was done back in 2005 I completed the process of acquiring A harp loan but my payments have continued to go up regardless of the guidelines that are set is a hard process. XXXX alone servicer made numerous errors in the accounting of my account in regards to figuring the escrow and taxes in which they more than once regarding the right amount of tax to be assessed on my XXXX a {$3000.00} unapplied funds which had to be retroactively corrected after having my loan for less than a year they transferred the loan to Shell point mortgage servicer also increase my payments even while I was under the harp program saying they had the right to ask for an additional {$900.00} to Cushing my loan they have failed to provide me monthly statements they help with failed to return phone calls you 're unwilling to provide documentation is on what they 're doing I 'm filing this complaint in regards to my Shellpoint Mortgage Servicing loan number XXXX. Shell point mortgage servicing address is XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Act, these three Credit Bureaus has violated my rights, XXXX Credit Bureau. 
Experian Credit Bureau. 
XXXX Credit Bureau. 

This is the correct information that only should be reporting on my credit reports Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Date Of Birth : XXXX Social Security Number : XXXX PLEASE MAKE SURE ALL Personal Info Is Corrected To What I Have Placed Above Asap!
Product: Debt collection

I am writing to file a formal complaint regarding the inaccurate reporting practices of AFFIRM to the credit bureaus. Despite fulfilling all obligations and paying off my account with AFFIRM as agreed, the company continues to report erroneous information to the credit bureaus, negatively impacting my credit report. 

I successfully paid off my account with AFFIRM in full, meeting all terms and conditions outlined in our agreement. However, despite this, AFFIRM has persistently reported inaccurate information to the credit bureaus, which has adversely affected my credit score and financial reputation. 

I have attempted to resolve this matter directly with AFFIRM by providing evidence of payment and requesting correction of the erroneous reporting. Regrettably, my efforts have been unsuccessful, and the inaccurate reporting persists. 

This situation has caused me undue stress and frustration, as it unfairly tarnishes my creditworthiness despite my adherence to contractual obligations. I respectfully request the intervention of the CFPB to investigate this matter and ensure that AFFIRM rectifies the inaccurate reporting promptly. 

Thank you for your attention to this matter. I trust that the CFPB will take appropriate action to address this issue and safeguard consumer rights.
Product: Student loan

I can not access my account on the new platform. The website says that it has no record of my account using my social security number. 

Per my XXXX account, another {$4000.00} have been added to my account, although it is supposed to be in forbearance, isn't it?
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX  XXXX Balance Owed : {$410.00} XXXX  XXXX Balance Owed : {$350000.00}