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

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report XXXXXXXX {$310.00} XXXX   XXXX {$8900.00} XXXX XXXX {$670.00} XXXX  XXXX {$670.00}
Product: Credit reporting or other personal consumer reports

I contacted Experian ( XX/XX/year> ) because I did a dispute for addresses that were not associated to me. XXXX told me she was not able to take the addresses off my credit report because there are accounts associated with the addresses. I proceeded to tell her I have no recollection of the accounts and I would like to dispute them as well. I was told I couldn't. I've contacted XXXX and XXXX via phone call and they were successfully able to removed all the addresses that were not mine. I do not appreciate being lied to over the phone about the removal of addresses because they want to keep reporting incorrect information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX at XXXX XXXX  I received A XXXX  Alert notification report that Experian has lowered my credit score 20 points from XXXX  to XXXX   because my XXXX XXXX account has decreased by {$21.00} dollars. How is this possible that if i am paying on time and my credit line utilizaton is near zero  can lower my scores. I have been keeping a close eye on my credit report since XX/XX/XXXX. I have NOT been late on any payments or missed any payments. This needs to be correcte. I would like to know why my credit report fle has been a target of strange and wrong information right after I place a complaint to CFPB and to the NJ State Attorney General. Is this Retaliation and thus punishing my credit file?

I am submitting a copy of XXXX Alert so you can see. I am requesting an explanation of how you determine this decrease on my file. This is not the first time. S far this year XX/XX/XXXX I have disputed and complained to CFPB of this abusive wrong practices by Experian.
Product: Debt collection

I pulled my credit report and saw this company on listed as collecting XXXX. I myself personally do not go to XXXX any amusement parks. I sent in a dispute in writing in early XXXX 2015. I kept calling back to get the status of the dispute and was continually told to call back each week. I finally received correspondence in the mail showing what supposed charges. I requested to have the contract showing where I agreed to the account, date I agreed to the contract, and proof that the account was mine. The agency was only abel to provide me with a copy showing it was drafted from a XXXX account, but it did not show my name as listed on the XXXX account. I called this morning and spoke with XXXX XXXX. I advised her I received the documentation only showing that the account was drafted under XXXX. She was extremely rude and berating. I advised her that I requested further documentation proving the account was mine. She then in a heated and belittling voice told me that was the documentation, and that it was my account. I advised her that what was sent was not proof that it was my account, and that since I have requested complete validation of the debt over a month ago, and that it was not provided that under FCRA the account needs to be removed from my credit report. Her tone took an even more hateful tone. She then started to not let me speak, and basically called me a liar in so many words. I told her that since my name does not appear on the drafting account for XXXX I needed social security number that is attached to the accountI. She rudely stated that there is not XXXX. I asked her how can it be proven without my name on the XXXX account and my social how can this be proven it is mine, and then her response was " XXXX does n't require a social. '' I asked to speak with a manager and she said she was a manager, and that there was no XXXX higher i could speak to. I asked her her extension and she advised me that she does n't have an extension that we were speaking on a recorded line for managers at extension XXXX. I advised her that I would be getting in contact with the Attorney Generals office in her state and she just said " OK! '' I have the written documentation that was sent to me and I would be glad to send it in to accompany this complaint via fax. I do not have a way to scan it at this time, but can fax it today.
Product: Debt collection

I have been called nonstop from XXXX XXXX XXXX plus the main number at least 10 times a day over one missed payment for weeks now. I will be logging in to fix whatever billing issue there is, but calling me at the peak of dawn AND from private numbers while I am at work CONSTANTLY is borderline harassment. I have never had any other credit card agency do this to this extent before. Insane.
Product: Credit reporting or other personal consumer reports

I am writing to formally address XXXX handling of my prior disputes regarding unauthorized accounts on my credit report. On XX/XX/2025, I submitted a dispute via certified mail in accordance with the Fair Credit Reporting Act ( FCRA ). However, in a response dated XX/XX/2025, TransUnion indicated that the disputed accounts had been investigated and verified as accurate. This response constitutes a violation of FCRA Law 15 U.S.C. 1681i, which requires that a consumer reporting agency complete its investigation and provide a response within XXXX  days. 

Following this response, I submitted a subsequent request via certified mail for documentation verifying the method of investigation used to confirm the accuracy of these disputed accounts, as stipulated under FCRA Law 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( XXXX ). As of today, XX/XX/2025, I have not received any documentation outlining the verification process, including the specific sources contacted or proof of the individuals or entities consulted during the investigation. 

Due to these violations of the Fair Credit Reporting Act, I formally request the immediate removal of the following unauthorized accounts from my TransUnion credit report : XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX  XXXX  XXXX  Account # XXXX Enclosed, please find copies of all prior dispute correspondence sent to TransUnion Consumer Solutions XXXX along with proof of certified mailing and delivery confirmation. Should TransUnion fail to rectify these violations and continue to report these unauthorized accounts, I will be left with no alternative but to pursue legal action against the agency for non-compliance with the Fair Credit Reporting Act. 

I urge TransUnion to resolve this matter expeditiously. Kindly provide confirmation of the removal of the disputed accounts within XXXX  days. Failure to comply will result in the initiation of appropriate legal proceedings. 
Thank you for your prompt attention to this urgent matter. I look forward to your timely response. 


Enclosures : Copies of prior dispute letters sent to TransUnion Certified mail receipts and delivery confirmations
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX pm I received an email from XXXX XXXX through my school email account detailing a potential internship opportunity for XXXX XXXX students. The email said to reach out to this number : ( XXXX ) XXXX ; and that's what I did. The person asked for my resume and asked me a few more questions retaining to the job I would be doing. He said I would be a great fit and that he was going to send me a check for {$2500.00} via email for supplies such as a laptop, printer, and office supplies. Here is the email that sent me the check : XXXX. The person then asked me to deposit the check and send the money to his sales representative. I deposited the check into my account and sent {$1000.00} via XXXX XXXX to his " sales representative. '' After I sent the {$1000.00} he asked me to make an additional payment of {$1500.00} and I did it via XXXX because my XXXX  XXXX  was blocking me from sending more money to this person and this transaction occurred on XX/XX/XXXX at XXXX pm. The XXXX  username I sent it to was @ XXXX. The person then sent me another email with another check for {$2500.00} and requested me to send the remaining from the check. I attempted to send the money over and my XXXX  and XXXX  restricted the full amount of {$2500.00} so I sent the person {$500.00} via XXXX  to the number ( XXXX ) XXXX. I then get an email from my Professor at XXXX XXXX on XX/XX/XXXX at XXXX pm saying that the internship opportunity that he had shared prior was a scam. The two checks that I deposited to my bank were bounced and I have now lost around {$3000.00} due to this fraud. I only believed this was real due to the fact that it was sent to my XXXX XXXX email.
Product: Credit reporting or other personal consumer reports

I did not give XXXX XXXX XXXX permission to share my personal information with any other third parties. I wrote them asking for disclosures that I signed that gave them permission to share my information with the top three credit reporting agencies. I have not received a response as of yet.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

i requested for my full payment history for the past 2 months I did not get it
Product: Credit reporting or other personal consumer reports

I noticed a credit inquiry on my equifax credit report from XXXXXXXX XXXX XXXX. I contacted the lender, as I have an account with them. They stated that the inquiry was the result of a credit line increase. However, when I was not informed that an inquiry would result. There was no information given to me that indicated that a credit inquiry would report to my credit bureaus. I have requested to have it removed. I received a letter from the company stating that it was a valid inquiry. I responded via certified mail that I did not agree with their results, requesting proof of the same. I have not heard back from the company.
Product: Credit reporting or other personal consumer reports

I am urgently requesting your immediate attention to a critical matter : I have been a victim of identity theft, resulting in multiple fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite numerous attempts to contact the credit bureau to resolve this issue , I have received no response or action. I have already filed an official identity theft report with the Federal Trade Commission ( FTC ), and I am now urging the swift removal of these unauthorized items to restore the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a phone through XXXX  but stuff happened and my credit score dropped a lot and I never have written consent.
Product: Money transfer, virtual currency, or money service

starting XXXX of XXXX i have attempted to get my transaction history for missing monies. Weekly contact by email to customer service and phone contact and I get no return calls or any correspondence. i have an account i pay through beginning XXXX but unknown reasons half of my account is dormant and no one has the ability to produce the information other than the corporate office. i have not received one return call or email and i am approaching a deadline resulting in legal issues if this is not resolved, i have no more time
Product: Checking or savings account

Hello, I was told on Tuesday, XX/XX/XXXX that my account was closed by Citibank. I have been a customer for XXXX  years, and I was given absolutely no notice regarding this decision. To provide some background, I have recently started investing and trading in cryptocurrency ... which is a legal activity. I realize that each state has varying regulations regarding cryptocurrency and the various cryptocurrency exchanges allowed to operate in the United States. In the state of New York there are only a handful of exchanges that have the XXXX XXXX XXXXXXXX " bit license '', so I only used exchanges allowed to operate in XXXX XXXX  In order to fund my exchange accounts, I need to wire money from my Citibank account to these licensed exchange accounts, which I proceeded to do. Citibank put me on fraud alerts and blocked my account due to these wires, and each time I called to understand which exchanges are allowed to be used by Citibank, and it was narrowed down to XXXX exchange, XXXX. I have wired money to XXXX as it was approved by Citibank, and after I made a {$50.00} transfer to XXXX, they closed my account. I have $ XXXX in there and I need that money. I called them to get an explanation as to the issue, I offered to provide any documentation regarding the transactions made, I have not engaged in any illegal activity, yet I am not able to get access to my funds for XXXX days. This has caused me to be behind on my mortgage, credit card payments, insurance and other bills. This is completely wrong, if they believe I engaged in nefarious activity I deserve to know what I am being accussed of ... and I called them several times before making these wire transfers to ensure that they were ok. I don't have anything to hide, but the closure process they are engaging in is opaque and completely unfair. They can close my account, but why do I need to wait XXXX days without knowing the accusations made against me? Please help me if you can ... and if you can't, please help innocent people not have to endure this in the future. Thank you.
Product: Bank account or service

I opened a new checking account in the Bank of America in XXXX XXXX, XXXX XXXX XXXX, Virginia XXXX - because I liked the good offer it had itself it means {$100.00} as a gift If have at least XXXX direct deposits in the first 90 days. However before opened it I got information about it by phone and twice with the branch, all of them in the same branch, so after I opened my new account the banker explained to me the process about the direct deposit so I had to handled with my employer so I did. Few days later, I called the bank to ask when exactly I would received the gif? the banker told me : If my direct deposits are more than {$250.00} I will receive it after 90 days otherwise I do not received any gift. It was a new information nobody told me before I told the agent about that he said sorry, the manager of the branch apologized to me offering she can close my account If I want to but she will not give me the gift and finally customer service of the bank told me they ca n't do anything about it. PLEASE I need your help this bank mistreated me as a client, they did n't have any consideration with me after they behave was snaky with me ; it was very clear the banker just wanted trapping me as a client opening a new account hidden the true cheating me all time. Also I had to change my old direct deposit to this new one costed me time, money and explanations to the XXXX office of my job. I think is my right to demand the gift of {$100.00} from the bank as they offered me the first time, they must keep their words. I do n't deserve be treat with disrespectful. Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has received a letter from me on XX/XX/2018 regarding an account that has been investigated and deleted by another credit bureau, which is XXXX. This account is misreported/ unverifiable/ false/ and/or else wise inadequately reported data and/or derogatory information that is questionably, if not deceptively, reported in my credit file unfairly and surely illegally. As you know, COMPLIANCE of reporting for any VALID CLAIM is MANDATORY, NOT OPTIONAL. Prove or remove, THAT IS THE LAW! The item here reported is DEFICIENT of reporting mandates as it is in the least questionable in its inconsistent reporting and deceptive even error-prone reporting. As detailed by the Metro 2 Five Points of Compliance per the link : XXXX XXXX XXXX OBVIOUSLY, the five noted points above are each MINIMUM STANDARDS for being compliant in processing consumer complaints COMPLIANTLY and exactly as dictated by the CDIA as per listed at this link. This sequence of requisites to certified compliant reporting is commonly referred to as the M2FPOC aka Metro 2 Five Points of Compliance! It is FEDERALLY mandated and must demonstrate proof of such should a consumer call for a CHECK of VALIDITY and/or COMPLIANCE of reporting and/or DISPUTE the claims validity and or CHALLENGE the alleged compliance of reporting, even the mandatory perfect and complete METRO 2 Format Compliance standards of reporting as above mentioned at least! 
Follow suit and delete this account for accurate reporting : US Bankruptcy Court-XXXX ID # XXXX Attached is the letter Equifax received on XX/XX/2018, Metro 2 Five Points of Compliance explanation ( pay attention to highlighted area ), XXXX credit report with deleted account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Case number : XXXXXXXX XXXX XXXX case number : XXXX RE : Non-Compliance with Section 605 ( b ) and 605 ( b ) ( c ) of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to formally address Equifax 's failure to comply with Sections 605 ( b ) and 605 ( b ) ( c ) of the Fair Credit Reporting Act ( FCRA ), following the submission of my signed, dated, and stamped self-attestation form from a recognized XXXX. While both XXXX and XXXX have honored my request and successfully blocked the identified adverse items of information from my credit report, Equifax has failed to take similar action, resulting in discrepancies on my credit report. 

Section 605 ( b ) of the FCRA clearly outlines the prohibition against the continued reporting of adverse information when certain conditions, such as the provision of a self-attestation, have been met. Despite my compliance and the submission of all necessary documentation, Equifax has not fulfilled its legal obligations to investigate and block the inaccurate information in question.

I demand that Equifax immediately correct this oversight by removing the identified adverse items from my credit report. Failure to comply with the legal requirements under Sections 605 ( b ) and 605 ( b ) ( c ) places Equifax in violation of the FCRA, and I reserve the right to pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and taking legal action, if necessary.

I expect written confirmation that the discrepancies have been resolved, as well as an updated copy of my credit report, within 4 days of receiving this letter persuant to section 605b and 605 ( b ) ( c ) of the fair credit reporting act Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I became aware Sunday, XXXX XXXX, that I was being billed on my XXXX credit card monthly. I was never aware of any authorization on my part, hence I never even knew about such a membership through experian credit bureau. I scrolled through transactions from XXXXXXXX XXXX for {$1.00} then a monthly charge of {$21.00} per month from XXXX XXXX. Till it was cancelled. That is {$190.00} that I am in debt for. I am a senior and struggling with potential bankruptcy and surgeries etc. It is immoral for experian credit bureau to somehow manipulate that charge without my awareness. I expect a full reimbursement from them for i am struggling to pay down these cards. Experian told me to contact bank, bank told me to contact experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern : Pursuant to Title 15 usc 1681a ( 2 ) ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of the credit card or similar device shall be excluded from the consumer report. The term credit card as defined under title 15 usc 1681 states any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The credit card being my social security card. Notice Congress said ANY card. This is the card I used to originate every consumer transaction below. They along with each inquiry should be excluded from my consumer report pursuant to 15usc 1681a ( 2 ) ( b ). I am demanding that you remove these transactions from my report immediately as they are in violation of my rights as a federally protected consumer under title 15 chapter 41. I am also demanding that I be compensated pursuant to 1681n ( a ) ( 1 ) ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;