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

I am formallysubmitting this CFPB complaint to report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to disposed of : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX DP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXXXXXXDP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : {$8100.00} XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX, MO XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized use of my private information ; fraud by using my personal information to apply for credit cards and unauthorized use apply for car loans and some form of line of credit CAPITAL ONE BANK XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX, 2022 XXXX - XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/ 2022 THE XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 2022
Product: Bank account or service

Earlier this year I decided to open a bank account with Bank of America for my business. After opening a checking account I was told I could immediately start using the account for my business needs. After I started using the account everything seemed to be fine, if you weeks later I had a client purchase merchandise from me in which she paid for with a personal check. I had taken checks from this same client for years before so I did not think there would be anything wrong with the personal check. once I receive the check from my XXXX I deposit it in to my business checking account at Bank of America. A few days later Bank of America notified me that The check that I had to posit it was no good and they were going to close my account because it was so new. They also informed me that the funds that were in my Account at the time would be mailed to me in XXXX to 10 business days. After receiving my refund in the mail from Bank of America I deposited it into my personal account I have with my XXXX. About a month later I try to go open a business checking account at XXXX Bank and was told that I had a fraud reporting on my XXXX Report. After going through the extensive hassle of getting my XXXX report from XXXX they informed me that Bank of America had reported fraud on my account. I try to dispute the incorrect reporting information with XXXX but they informed me that only Bank of America would be able to change the information so I contacted Bank of America risk department and explain the situation they then told me they were not going to investigate the matter and that I would have to wait seven years in order for the incorrect information to fall off of my XXXX report. Not only is it unethical but it is also extremely unfair for Bank of America to abuse their abilities and calls me hardship. Not only is this deformation of character with my business but it is also preventing me from different business opportunities.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of the following accounts from my records, as they do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I believe that the inclusion of these accounts may be in violation of 15 U.S. Code 1681c, which mandates that certain types of information must be removed from consumer credit reports after specific periods. The continued presence of these accounts on my report could be in violation of these requirements.

Please remove these accounts from my credit report and update your records accordingly. If you require any further information or documentation to process this request, or if you need to address the potential violation of 15 U.S. Code 1681c, please let me know. 

Thank you for your assistance. 

Best regards, XXXX XXXX
Product: Checking or savings account

I've been using venmo about a few months now. A lot of my stuff I purchased were either not delivered or I returned and never received my refund. In that case I disputed those transactions. Today I get a email saying my account was suspended and it had money in it! No way to get that money out, please resolved this.
Product: Credit reporting or other personal consumer reports

This is my fourth formal request for the immediate removal of an inaccurate account listed on my credit report. Your failure to address this blatant error despite multiple notices is completely unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

THE ACCOUNT IN QUESTION IS : XXXX XXXX XXXX XXXX ACCOUNT : XXXX
Product: Debt collection

I am filing this formal complaint regarding XXXX XXXX XXXX and its inaccurate reporting on my credit file. Specifically, I have noticed an alleged debt on my credit report that I do not recognize, and despite my attempts to resolve this matter, XXXX XXXX XXXX has failed to provide sufficient documentation or validation for this account. The continued reporting of this unverified debt is causing significant harm to my creditworthiness. 
Violation of the Fair Credit Reporting Act ( FCRA ) Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute and request the verification of any information on my credit report. It is the responsibility of the credit reporting agency and debt collectors like XXXX XXXX XXXX to ensure the accuracy and validity of the information they report. XXXX XXXX XXXX has failed to provide clear documentation proving the legitimacy of this alleged debt, and as such, it continues to be reported without proper verification.

Additionally, under FCRA Section 1681e ( b ), all consumer reporting agencies must maintain reasonable procedures to ensure the accuracy of the information in consumer credit reports. The failure to verify the accuracy of this debt and the continued reporting of the account without adequate validation is a direct violation of my consumer rights under this statute. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ) Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, debt collectors are required to provide verification of the debt upon request. I have requested validation of the alleged debt from XXXX XXXX XXXX but have not received any documentation that proves the debts validity or its association with my financial history. This lack of response and failure to provide verification violates the FDCPAs requirements for debt validation. 

As a result, the continued reporting of this unverified debt is a violation of my rights under both the FCRA and the FDCPA. The unsubstantiated debt is causing harm to my credit profile, and I request immediate action to resolve this matter. 

Resolution Requested I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this issue thoroughly. Specifically, I seek the immediate removal of the disputed account from my credit report across all credit reporting agencies ( Experian, XXXX, and XXXX ) unless XXXX XXXX XXXX can provide valid documentation that properly verifies the debt. Additionally, I request that all collection activities related to this account cease until proper validation is provided in compliance with the law. 

Thank you for your time and attention to this matter. I look forward to your assistance in resolving this issue and ensuring that my credit report is accurate and compliant with all relevant consumer protection laws.
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 XXXX XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXXXXXX : # XXXX, Account XXXX : # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX, Account XXXX  : # XXXX, XXXX : # XXXX 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: Debt collection

I have received at least 56 calls that I have kept track of since XX/XX/XXXX, and I received numerous calls prior to that date, from Transworld Systems. In addition, the calls have been escalating since the beginning of the year, with an additional 8 calls, the most recent of which was received on XX/XX/XXXX. No amount is ever communicated and no information is given to identify the alleged debt - only that they are attempting to collect a debt. I have tried to return the call ; however, I have never been given the option to speak to a person. Every communication is a recording which leaves a telephone number ( XXXX ) and the name " XXXX XXXX. '' I have never been able to reach a live person at the contact number given.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

On various dates several hard inquires were posted to both XXXX and TransUnion under my account which affected my credit scores. I did not authorize permission to have my credit pulled. Listed below are the companies and the dates. I have sent out reports and requested investigations to both bureaus involved and also file a report with identitytheft.gov. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

XXXX on XXXX XX/XX/2021 I have Mr. Cooper mortgage for years now. On XXXX XXXX XXXX I made an additional payment of $ XXXX towards my principal. More than 4 days - it's not reflected in the Amortization schedule ( Amortization schedule is not even visible ). Even after so many additional principal payments, Payoff calculator is way off and it still shows XXXX maturity date while it should start showing something like XX/XX/XXXX/XX/XX/XXXX as the initial date. There are lots of discrepancies on their website to reflect the balance and total. When called customer service on Friday and also chatted - i was assured of fixing this - but no fix till this point of time. Customer service there is a long wait. Auto bot doesn't let customers talk to the real person. 
Finally after a lots of follow-up I got the amortization schedule via email but it is not reflecting another additional principal payment of {$4700.00} made on XX/XX/2021. 
I did numerous chats and phone calls. Why i should depend on inefficinent humans to see my revised amortization schedule? 
Why the online amortization schedule is not visible now? 

Worst thing, after turning on escrow account, there is no transparency. Amount of escrow account is not in sync with all the sections of my online account. It seems that there are too many internal buggy systems in Mr. Cooper and everybody from different IT department is showing a different $ $ figure at various places. 
Highly inefficient organization.
Product: Debt collection

Monterey Collection Services is saying I owe them {$420.00} on one credit bureau and on the other credit bureau {$370.00} for the same collection which is a red flag and error.I have never done business with them I have no contract with them or obligation. 
At the same time theyre violating HIPPAA . 
Again I have no contract with Monterey Collection Services and they have no validation of me doing business with Monterey Collection Services company.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that Ive marked as inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

please check the following accounts that appear in my report, which were reported without any authorization : Identity Theft DSNB MACYS Account XXXX : XXXX This is not mine. 
Identity Theft Account XXXX : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX I have no knowledge of inquiries or have given any on this companies Authorization to run my credit report Asking for removal
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled bankruptcy XXXX  XXXX in XXXX of XXXX  My car loan was included in my bankruptcy. Bankruptcy trustee handled all payments to creditors. Foursight XXXX XXXX reported about 10-12 late payments on my credit report while I was in bankruptcy. Dates are from XXXX also from XXXX. Dont understand how I could be charged late payment history when I have no control on when or what order bankruptcy paid them. I have had XXXX help with this situation but havent had any luck. Ive called to talk with them on several occasions but they give me a email address to write to but never get a response. This is hurting my credit and want this fixed.
Product: Credit card

I noticed a return check fee on XX/XX/year> of {$30.00} on my credit card account. This doesn't make sense because I pay all my credit card statements on time. I also have an Overdraft Protection enabled on my account. With the overdraft protection, I should not have any payments returned. 

Citi did not notify me of this fee or any problems with my payments. 

Given that I have autopay enabled for this account and Overdraft Protection on my checking account, I have determined I should not be responsible for this {$30.00} return check fee.
Product: Credit card or prepaid card

American Express somehow mixed up myself and someone with nearly the same name, and gave me private information about that person over the phone. They also changed this persons contact information to match my own, sending me emails and such that continue to violate their privacy and expose their payment history, etc. I notified American Express several times, asking them to please correct it, and was told to contact their Fraud Department to look into it. Its not fraud ; its the companys own mistakes. Whenever I contacted their Fraud Department, they seemed to not be concerned and asked me to call further departments to correct this error, which lead nowhere. American Express is opening itself up to a lawsuit for breach of privacy and do not seem to care they are exposing private information or want to correct it.
Product: Credit card or prepaid card

Capital one Quicksilver continues to commit fraud by lying, they never sent an affidavit, and in so need to be reported to a higher power. What capital one Quicksilver is engaging in is called fraud, and I have recordings proving they lie. 

No affidavit ever came to the address to be signed. Another total lie, I can prove this because they can not provide proof of postage, as if they do, it will be mail fraud. At this point I'm positive they'll commit mail fraud, because the company is committing various other kinds of fraud.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA )
Product: Credit reporting or other personal consumer reports

Transunion was provided my information to legally change my change. Instead of updating my score, they created a seperate profile that has no credit information listed. I've asked for this to be updated and was told no after dispute and sending all requested documentation. They are asking me to have all my credit vendors updated which I have, but then any closed account or even collection will no longer show up on my account providing misinformation to creditors across the board. As great as having a clean slate is, its unfair that my positive history is no longer showing and that my report is innacurate and preventing me from closing on my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed information in my Experian Credit file regarding a closed account with XXXX. The report incorrectly stated the account was settled in XXXX. In reality the account settled in XXXX. After my dispute, Experian began to report the account settled in XXXX? 

When I followed up with Experian to dispute the incorrect update they claimed the new information was modified by XXXX. When i contacted XXXX, they claim Experian modified their reporting. 

It is evident that Experian is not looking to correct misinformation. How can an account be reopened and settled 6 years after the fact without documentation?
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX debt with account # XXXX & XXXX on my XXXX and transunion credit report along with XXXX XXXX  XXXX XXXX XXXX These debts don't belong to me and matter of fact it says on my report that account was paid in full and is a charge off. I am in the process of getting a mortgage loan and with these no balance delinquent charge-offs being posted on my account not only is it severely harming my credit score. But I am unable to qualify for a home loan. I need these inaccurate accounts that do not belong to me removed from my credit report ASAP!
Product: Credit reporting or other personal consumer reports

I am writing in response to a collection notice I received from your agency regarding a debt that you claim I owe. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). Please provide me with the following information :.

1. The original creditor of the debt 2. The amount of the debt 3. The date the debt was incurred 4. Any documents proving that I am responsible for this debt 5. A copy of the original contract or agreement I am also requesting that you cease all collection activities until this debt has been validated. Please send me the requested information within 30 days of receiving this letter.

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

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require correction or deletion. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Car should've been refinanced but never received an explanation on what exactly happened