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

It is Experians duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. Experian is reporting XXXX inaccurate late payments for the XXXX account, which does not have an account numbers to reference to. These include XXXX 30 day late payments posted in XX/XX/2018 and XXXX 60 day late payments dated XX/XX/2018, XX/XX/2018 and XX/XX/2018 and XXXX 90 day late payments dated XX/XX/2018 and XX/XX/2018. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in Experian violating my federally protected consumer rights. To add to this I did NOT give Experian written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that Experian has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Vehicle loan or lease

I sent JPMCB a letter of validation and they never verified any of the information that I asked JPMCB
Product: Credit card or prepaid card

I transfered {$7000.00} from a business account into my credit card, which did not have a balance, by accident. After realizing the money had been transferred into the wrong account I immediately notice the money was out of my account and not in the originally intended account I found the money and began trying to reverse the transaction via online. After no success I began to call Wells Fargo Credit Card customer service I began to call to reverse the transaction. After being transferred three times I was told I had to wait up to 5 business days to receive my money back in my account. This all took place on XX/XX/2018 from the hours of XXXX XXXX to XXXX XXXX. The final customer care person was XXXX XXXX with Wells Fargo Credit Card services. I would like to mention that all accounts involved were Wells Fargo Accounts.
Product: Vehicle loan or lease

I traded my XXXX XXXX XXXX financed with Exeter in on approximately XX/XX/XXXX. My account was still open and active on XX/XX/XXXX so I gave them a call to ask why. They said they hadnt received my payoff. I called the dealership who said they sent the total amount of $ XXXX and some change via ACH on XX/XX/XXXX and they provided me with the lien release dated XXXX and a copy of the title as well as the proof of the ACH transfer. I spoke to no less than 5 people at Exeter that day who couldnt find this money and no one could believe the documents that I provided over and over. Finally on XXXX they applied my ACH payment and never explained where the money was lost. However, I had cancelled my extended warranty and gap insurance so the total payoff amount had reduced to XXXX when the credit was refunded to my account even though the dealer had sent over $ XXXX. The credit had been applied on XXXX, and the payoff had been sent on XX/XX/XXXX. My account statement showed the ACH transaction only paid off the $ XXXX to give a XXXX balance even though I was given the ACH receipt from the dealership showing a different amount. I inquired about that overage and asked why my account reflected an inaccurate ACH payoff amount of only the $ XXXX instead of the $ XXXX that was actually paid, but no one could explain it. I asked if i could get something in writing saying the overage would be paid to me and I was denied. I was assured I would have the overage check soon because it was an ACH transaction which clears immediately and I was told XXXX business days from the XX/XX/XXXX date is when I would receive my check, but that my account should reflect the overage by XXXX. On XXXX I still hadnt seen anything regarding the overage reflect on my still open account so I called again. I was again denied anything in writing regarding the overage and was told the check had been mailed on XXXX. Today, XX/XX/XXXX I called to follow up, and was told that the check has not been issued or mailed, that I have to wait 30 days from XXXX when they applied the ACH transaction for the check to even be issued and there was no way to expedite this. I need answers and an explanation.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was about to secure a mortgage. I have memberships with XXXX  and XXXX.

On XX/XX/XXXX My XXXX credit score listed at XXXX.

On XX/XX/XXXX, I received an Alert that Discover lowered my credit Limit.

I logged into XXXX and found out Discover lowered my Credit Limit from {$16000.00} way down to {$3300.00}. This had a negative impact on my credit to ratio raising it from 33 % to 39 % As a result my Credit score with XXXX, XXXX and XXXX  dropped 19, 27 and 24 pts ( see attached ), I believe Discover received an inaccurate credit report on me. I did have an issue with a XXXX XXXX   account reporting as 60 days late.But that was resolved quickly and properly updated.

I am requesting Discover reverse the credit limit decrease since it used inaccurate information.

But even with the inaccurate report the Discover likely used, I have to ask if my limit decrease was in line with others of similar credit history. I mean a drop from {$16000.00} to {$3300.00} when I have never been late with Discover. Only used about 10 % of my available credit with Discover and my credit score even with the inaccurate reporting was still around 630 However, I do have another concern : Due to the recent political atmosphere I have experienced discrimination as a result of my name XXXX XXXX the stigma from people and corporations assume I am or was a XXXXXXXX XXXX. This could not be further from the truth and for the first time in my life I feel like I have to begin defending my heritage.

Therefore, I would like to address that : I am a 2nd generation American citizen, My father was born here, my Mother is XXXX and XXXX.

My father, who grew up poor, worked his XXXX off and became a successful XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

I followed my father as a XXXX XXXX but also expanded as an XXXX.

My wife is also XXXX and I have XXXX   beautiful ( XXXX XXXX ) daughters.

I own 3 homes : which I built Primary residence : 1. XXXX XXXX XXXX XXXX XXXX XXXX Value {$700000.00} and only owe approx. {$150000.00} 2. My lake house : XXXX XXXX XXXX XXXX   XXXX  XXXX  Value {$800000.00} ( I owe {$210000.00} ) 3. My vacation condo in XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  Value {$460.00} ( I owe {$190.00} ).

I own the following companies : XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX.

MY XXXX  page is under : XXXX XXXX ( where I network all my businesses )
Product: Debt collection

The debt was from a XXXX card with a {$300.00} limit from back in 2006. I have no signed contract with my name and XXXX XXXX XXXX XXXX XXXX. that is pursuing the debt through Lloyd & McDaniel. They have garnished my check already for over {$3000.00}. When it got to the amount said I owed, my employer stopped the garnishment. And just recently they received another paper saying my check is to continue being garnished for over another {$530.00}, until they tell the employer to stop taking money out. They are taking around {$180.00} out of each of my paychecks. I have disputed this debt with them several times because I have no signed contract between me and XXXX XXXX XXXX. I tried to offer an amount to end this and get it out of the way and they refused. First of all this was 15-16 years ago, secondly, I have no signed legal contract with them, third it was a {$300.00} credit card, and last of all, they have collected the {$300.00} over several times past what it was. What part of NO LEGAL SIGNED CONTRACT BETWEEN US FROM 16 YEARS AGO do they not understand.
Product: Vehicle loan or lease

I had changed my phone number and was unable to access my account online for a few months and so in lieu of online payments I submitted payments for 3 months in a row via XXXX  XXXX XXXX 's bill pay. XXXX  XXXX XXXX confirmed all checks were paid out and delivered to Bridgecrest 's billing address and cashed. Yet - my account was continuously reported late and never reflected the payments ( all delivered on time ). I reached out to them via text and email and sent letters - provided copies of the bill pay receipts/confirmation and they still have yet to correct the balance and incorrect reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$460.00}.
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 federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
The following accounts are not mine, Transuinion is reporting 2 different social security numbers, been trying for a year calling them and they do nothing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

My XXXX credit card with Key bank was stolen in XXXX 2014. Over XXXX of fraud charges was made on that account. Keybank has refused to accept my fraud claim.
Product: Debt collection

American Credit Acceptance is charging me to pay, and they have put my account as a charge off. A charge off is already paid and the company has already paid the account. I am requesting a 1099-C form for IRS purposes XXXX 

With the charge off on my account, I would like it for it be removed.
Product: Credit reporting or other personal consumer reports

I received a resolution to my disputes through the CFPB portal on XX/XX/2025. When I called Lexus Nexxus on XX/XX/2025 the representative explained to me that the things that I was told were removed or deleted from my consumer report are still showing on there in dispute. I feel like Im getting the runaround and I need an updated report with the things that are listed and were removed from my consumer report sent to me. If these things are deleted, which is states that they are including all the fraudulent and inaccurate information than my updated consumer report should reflect that.. please provide me with confirmation that the things listed in this consumer report are deleted so that I can dispute the things that are not deleted
Product: Credit card

MY ACCOUNT XXXX XXXX XXXX  XXXX XXXX Balance : {$210.00} WAS CLOSED AND DELETED DUE TO FRAUD AND I NEVER MADE THIS ACTIONS.
Product: Credit reporting or other personal consumer reports

Experian continues to report account on my credit report after failing to provide validation of the debt owed. A full investigation was not completed and follow up letters were ignored. This violates my rights as a consumer.
Product: Debt collection

XXXX XXXX XXXX XXXX Knight Adjustment Bureau My contract was cancelled I never agreed to pay a third party aka collection agencies I had insurance on my items which I reported to original company was destroyed and in some one else 's possession I could not be around court ordered. My damage waiver should have covered damaged items. I couldn't return also owner of store said she sold contract out of her hands which is a breach in the contract it is backed by a bank so it should have been charged off as loss or covered by insurance. I have no contract with collection agency who just told me over the phone today they have given the account to there attorney but the original creditor states they no longer have anything to do with my account also the prices and the way the reporting on my account Is wrong I had one account with XXXX XXXX XXXX XXXX but the collection agency reports it as two and they only have one contract that doesn't say I have to pay them and I was willing to so I can fix my credit report but they refused to remove account only report them as XXXX.
Product: Credit card or prepaid card

During the check-out process on XXXX XXXX, I was encouraged to sign up for a credit card to receive rewards on my purchase. I completed the application and was awarded the credit card, however was not given access to use the card until my physical card was to arrive XXXX days later. To promote benefits of getting the card ( 10 % back in rewards for purchases made within the first 30 days ) during the check out process then tell a consumer they have to wait XXXX days to be able to use the card is misleading and fraudulent representation. If I use another card to complete my purchase in that check out window, I am do not receive the rewards associated with the card. Capital One is the provider of the credit card. In spite of completing the account set up and verifying all my personal information, there is no way for me to access the card number until the card arrives in the mail. The Capital One service representative confirmed that had I complete the credit card application at a XXXX XXXX retail location, I would have been able to access my account, but can not do so online. This is a misleading representation on the website and should be held to communication standards to enable consumers to avoid pulling credit reports unnecessarily.
Product: Debt collection

I was on military leave and did not have access to the internet to pay bills during that time.
Product: Checking or savings account

XXXX XXXX a charge was made for XXXX to XXXX from my checking account I approved said amount and canceled it. I have record from XXXX and XXXX  stating that loan was canceled and did not receive the merch. XX/XX/XXXX Bank of America denied my claim even after I provided documentation that it had been canceled. Ive submitted XXXX disputes and theyve all been denied. I have physical proof and its still being denied. I dont know what else to do. XXXX tells me its up to Bank of America because theyre holding the transfer and Bank of America is telling me that XXXX  claimed my loan went through. So Im not getting anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, unauthorized inquiry reporting on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an item with speedy cash for the last 6 months and I was getting nowhere. It ruined my credit, reputation and ability to get any credit for my personal use and for my small business I had just started. Speedy Cash denied and refused to budge, the credit bureau and even you guys refused to listen or help. Now, I have the written agreement and they are now fixing the issue by stating the correct information on my credit reports. 
However, that is still not fair to me and that is not the end of the matter. I have been tremendously affected by this and still can not get any credit to save my life. My credit score is XXXX, i have a 100 % payment history. I am not getting turned away due to too many inquiries. My family is going to drowned in debt and end up XXXX XXXXXXXX XXXX soon if I am not able to secure some sort of funding to get capital for my business OR a loan for a vehicle to get a job! Yet nobody seems to understand or care about that. 
I live in a small town with no public transportation at all, no XXXX no nothing. I have done nothing wrong and everything to prove my credit worthiness but untill speedy cash goes back and tells everyone that I cant get any help. 

I am begging for somone to take a look at this. I need help. And if im the one in the wrong then please tell me so i can understand why and then leave it alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with representative at credit card company XXXX Bank XXXX XX/XX/2022. The company refuses to help me fix a reporting error, which originated from their reporting. 
XXXX Bank is intentionally reporting inaccurate information - activity on a closed account, which is further damaging my credit profile. 

Explained to representative that my credit report is showing a closed account ( card was lost ) with one late payment and, the replacement card/account with one late payment.

Rep stated only card ending in XXXX is updating. I kept explaining to representative while reviewing reports that the old card which was lost is still reflecting on credit files, with an update on XX/XX/2022! He did not believe me. 

Explained to representative that I am being assessed two late payments, and therefore, the account which is closed is being reported inaccurately ; it should be removed.

The replacement card carried over a late payment, and the old card is still reporting as if I have two cards with two late payments. 

Placed me on hold several times. Unable to help and argued that there are no updates. 

Equifax and XXXX are reporting these inaccuracies and will not investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called in attempt to resolve issue with disputes that with a lender that were resolved. The agent in a 45 minute phone call ( name given was XXXX XXXX ) refused to expedite the matter by 1. Listening to the request, 2. Transferring to another agent or manager, 3. Refusing to disclose case or confirmation number, 4 ) purposely stonewalling any request or simple due process. 

The agent failed at all terms.
Product: Money transfer, virtual currency, or money service

i have recieved ten ( 10 ) emails, ( all emails ) in reference to winnings being held by different banks. the emails state in order to recieve the payoff, i must send the required fee, one notice is asking {$650.00}, another wants {$8000.00}.

I also recieved an disturbing email claiming it was from the FBI, threatning harm if i do not comply with their demands. 

i would like these scammers to be investigated for attacking the general public, especially seniors.
Product: Credit reporting or other personal consumer reports

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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 card

My card account was transfered from XXXX XXXX to Citibank. I was unable to access my account during this period. Neither customer service phone number would be able to assist me. I sent a secured message for assistance but was not assisted. Instead more barriers were put in place to request assistance. I'd like any late payments removed and fees waived. 

Here are the barriers in order : 1. Try to access XXXX XXXX portal. It is not accessible. 
2. Try to access Citibank port it is also not accessible. 
3. Call XXXX XXXX, they can't assist. 
4. Call Citibank, they don't have my information.

5. Receive late payment notice despite no being able to login or access account. 
6. Finally activate portal on Citibank as of today.

7. Now, I need to remove late fees but must send a secure message. 
8. Send message and receive more instruction.

9. Must Ensure eligibility for late fee and interest charge adjustments by considering the number of previous requests, the transaction date, and the status of your account. 
10. Each adjustment request must be submitted separately and evaluated individually. 
11. Access account online.

12. Find the main menu bar at the top of your online account. 
13. Select the Credit Home tab. 
14. Scroll down to the Account Activity section.

15. Find the filter transactions section.

16. Know and select the appropriate time period from the Recent Activity drop-down box.

17. Find the All Transactions drop-down box.

18. Choose Fees or Interest Charged.

19. Click on the transaction to view the details, including the type, post date, and amount. 
20. Copy the following Post Date : mm-dd-yyyy 21. Copy Original transaction amount : XXXX XXXX Copy Type : ( Late Fee or Interest Charged ) 23. Submit your adjustment request by Replying to the message by pasting the 3 lines from step XXXX. 
XXXX. Replace the placeholders with the correct information. 

I not the citibank employee, I am the customer.