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

I am writing to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and infromation I have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from a fraudulent activity, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote the company several times to provide me method of verification on the submitted accounts. They are claiming to verify accounts but are not providing me the feedback I requested in the complaints to support their findings. They are required by law to provide me with the proof they used to verify my accounts, this keeps the creditors and the bureaus honest by only reporting what they can prove and what is provided by the source
Product: Credit reporting or other personal consumer reports

The CRAs did not get back to my request to send back ( within the allotted time ) how they verified the information on the credit report. On XXXX XXXX I sent in letters asking them to verify their methods or how they verified accounts and they never responded.
Product: Credit card

I was traveling on business to XXXX, XXXX for a few days XX/XX/2016 when my company card was comprised with thousands of dollars stolen from my account ( totaling over {$7000.00} ), along with many attempts to take out cash advances. I do n't know exactly how it was done, but it was obviously a sophisticated credit card fraud. My credit Card was not stolen or lost but I believe it was taken at a POS and charged up along with several cash advance attempts. I used my company card for taxis and other points of sale, but never I would use it for charges like this. An in-depth review of my card account would show that I would never make any charges of these obscene amounts. I also have a personal credit card that was also compromised the same day and that issue was resolved in my favor. I received a letter from my card company weeks later which stated that because the card had a chip and was not reported stolen or lost they assumed it was under in my possession and I was liable for the charges. This explanation in my opinion does not constitute that there was n't a case of fraud nor that the chip technology is full proof. I realize that thieves are very sophisticated today and even though I might not know how they might of done it, it could be done. I did not report my card stolen or lost when I first realized the charges because I was overseas and did not have sufficient funds available on any personal cards to cover the rest of my stay in XXXX and later XXXX. I placed a notice on the card so the card could not be used unless I called beforehand and authorized payment. I returned back to the US believing the issue would be resolved but it has n't and have n't received much support on the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian..My XXXX  credit card is reported to Experian as in good standing though the account balance is {$66.00} over the credit limit. First, I have {$200.00} in fraudulent charges being investigated, but if XXXX  reports the account in good standing where does the CRA take it upon themselves to create an issue where one does not exist between the principal parties. 
As a second item why are they allowed to report as outstanding credit on accounts where you are an authorized user. Theres no responsibility to pay the debt and should not be computed into ones own debt.
Product: Credit card or prepaid card

Hello, I have a Macy 's XXXX XXXX credit card. Please find the sequence of events below : XX/XX/XXXX : Used the credit card to purchase a product online from XXXX and have it shipped internationally. 

XX/XX/XXXX : The product was never delivered. I had opened a dispute. Received a document online from XXXX XXXX detailing that the dispute is being looked into. 

XX/XX/XXXX : Received a refund to my checking account. However, I was again charged the same amount on the credit card, effectively nullifying the refund. 

XX/XX/XXXX : I called XXXX XXXX credit card again and explained the issue, they noted this down on my case. 

XX/XX/XXXX : I had not received any updates. Called XXXX XXXX credit card again. Another case was opened. 

XX/XX/XXXX : The case was marked as resolved by citing " Due to the amount of time that has elapsed since this charge was first billed, we no longer have recourse to obtain credit for this charge. ''
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, 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 Equifax has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifaxs inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 ORIGINAL CREDITORS : EQUIFAX INFORMATION SERVICES LLC XXXX. XXXX  XXXX XXXX, GA XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on EQUIFAX INFORMATION SERVICES LLC Original Creditor : EQUIFAX INFORMATION SERVICES LLC account number ISNT DISPLAYED with a CREDIT SCORE OF XXXX which is inaccurate because I've been contacted by MANY companies about a debt you allege I owe several times. You also have my name listed wrong, it is, XXXX XXXX XXXX. What you have listed is XXXX XXXX XXXX XXXX XXXX! I also never lived at XXXX Whispering XXXX XXXX, XXXX XXXX, FL XXXX XXXX I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item XXXX XXXX ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Credit reporting or other personal consumer reports

I HAVE A FEW ACCOUNTS ON MY CREDIT REPORT THAT I DON'T RECOGNIZE. SOMEONE STOLE MY IDENTITY AND OPENED SOME ACCOUNTS. Coaf XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, Capitol one XX/XX/XXXX. If you can please look into this and delete these immediately. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I responded to a email about applying for a credit card in which it was not supposed to affect my credit score, in which it did JUST THAT. I have hard inquiries from the same company ( XXXX  ). Im filing this report against experien. I also gave a copy of the email that I originally responded to for the offer
Product: Credit reporting, credit repair services, or other personal consumer reports

During the last week, I have tried multiple times to get my free annual credit report from Equifax. ( I understand they won't provide an electronic copy, only a mailed copy -- because they have a policy of making it as difficult as possible to get the report. ) But each time I've tried using the free credit report website, all I get is an error message from Equifax, and then I'm told to mail them a request letter with a bunch of attachments. What is the point of having a website for this if it all has to be done through the mails? The other two companies don't jerk people around like this -- only Equifax.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I XXXX XXXX submitted a complaint against Trans Union on XX/XX/2025. I submitted this complaint with supporting documents, and certified mail in writing.I submitted the documents to all 3 credit agencies with the account coming back verified as fraudulent and removed from my credit file. On XXXX the account was added back to me credit file only by trans Union XXXX I immediately call Trans Union and demanded an explanation. They told me that the creditors requested it be added back to my credit file. The XXXX # XXXX from and also the call # XXXX. I spoke to XXXX a supervisor in special handling. My right has been violated under Section 605b. I demand this accuse removed.
Product: Mortgage

Because of the illegal selling of my mortgage to Bayview Loan Servicing I receive phone calls from the customer services I had made it clear I do not know this company nor what to business with them XXXX and Bayview went to the table to benefit themselves without me they should n't be call me contact my realtor trying to find my tell the realtor that the bank has they own realtor company this is not my business the realtor text me this number XXXX XXXX who again I do not know because of this illegal sale I receiving advertising mail from the following attorney office the names are XXXX XXXX XXXX XXXX, NJ XXXX XXXX, Law Office of XXXX XXXX XXXX Because of this illegal sale of mortgage I 'm being harassed and my mailing address is made public and long with my personal business the Bayview Loan Servicing do have the right to tell me that they will be showing my house no have right to enter my home without my permission please ensure that my United States Civil Rights and not being valdated
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX  I sent numerous emails and certified mail to Possible Financial regarding inaccurate credit reporting on account that I always paid on time and the account is now closed. I also sent certified mail to all three credits bureaus requesting a reinvestigation and provide me with debt validation showing where I was late on the account but the credit bureaus always close reinvestigation as verified but doesnt supply any proof of account being late. Possible Financial Inc reported account 60 days late back in XXXX of XXXX  which is false and inaccurate reporting as Ive never paid late on account. As stated above Ive emailed Possible Financial Inc XXXX XXXX XXXX no response, Ive email possible financial support requesting proof of late payment no response and Ive sent certified mail to possible financial and its constantly being returned to me
Product: Credit reporting or other personal consumer reports

I saw on all of my credit reports that there are well over 60 Inquiries that are fraudulent and must be DELETED within FOUR days of receipt of this letter. Pursuant to 15 USC 1681c-2, I did not originate nor authorize these inquiries to be present. Also pursuant to 15 USC 1681 s-2, please CORRECT my personal information immediately. ADD CORRECT NAME : XXXX XXXX XXXX ( to Experian and XXXX and REMOVE all others erroneous names. ) DELETE ( ALL ) XXXX NAMES from XXXX and Experian. DELETE ( ALL ) FORMER NAMES from XXXX. DELETE previous addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. DELETE employers : XXXX XXXX  XXXX. ****NOTE***EVERY SINGLE INQUIRY NEEDS TO BE DELETED FROM ALL THREE ( 3 ) BUREAS, XXXX EXPERIAN AND XXXX , AS NONE OF THEM ARE FROM ANY TRANSACTION ORIGINATED BY ME AND MUST BE DELETED IMMEDIATELY WITHIN FOUR BUSINESS DAYS OF THIS LETTER on grounds of identity theft/alleged identity theft pursuant to 15 USC 1681c-2. SEE ATTACHED IDENTITY THEFT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had a Retail Installment contract and security Agrement with XXXX XXXX not with Americredit or GM we want this info report on my and my husbands credit file to be removed! We never signed anything with these two lenders XXXX  XXXX did, we did not! Its destroying both of our credit, we have asked for it to be removed from our file! We are demanding it, ASAP, wehave provided documented proof we did not sig any loan with GM or Americredit! XXXX XXXX signed the paper! The XXXX was A Lemon had open recalls on and we could not get it repaired the part were comming from XXXX andvXXXX  XXXX could not get the part after several months of the car not running and breaking down we stopped making payments and within 1 week the care was picked up and we were told it re sold! We were lied to by the Dealer and This lender we have asked to have this removed off our credit files! But they refused,
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account XXXX : CURRENT ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  5. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX Account Number : XXXX please update all payment, all payment was made on time 8. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account XXXX : CURRENT ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX NM XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  NM XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I attempted to transfer money from one account to another account of the same institution and used the option " XXXX ''. The transfer requested either an email address or telephone number. I chose the second option because the intended recipient used telephone option. 
I mistakenly transposed the last digit in the telephone number and the money was sent to an account in a different financial institution. 
I was using Wells Fargo online for the transfer, both my account and the recipients account are with this institution. 
The transfer went to a XXXX account. 
I contacted Wells Fargo one hour after the transfer which was done on XX/XX/XXXX and initiated the complaint! On XX/XX/XXXX the intended recipient and I spoke to a Wells Fargo banker on a conference call in which the transposed digit error was determined to be the problem. I was assured that the error would be addressed and funds returned in 1-3 business days. 
I now have been informed by Wells Fargo that they can not get money back and that they only contacted " XXXX '' to verify that the funds were delivered and that neither they nor XXXX can do anything more. They suggested that I contact the number used in an attempt to secure return of funds. I was told by Wells Fargo that the receiver must initiate return of funds! I asked for the account information associated with transfer and was denied and informed that they " Wells Fargo '' did not contact " XXXX "!
Product: Credit card

On my credit report as of XX/XX/2016., I am still being reported by Sears as being 120 days ' delinquent in making payments to my account. 
However, when the first notification by Sears by phone that a payment was due, I made a payment in full. During that conversation, I explained that I have not received any notification ( Alert notification on the web site ) of any overdue payment or statements. The representative explained that there have been issues reported, and I was credited any late charges to my account. After that conversation, a Sears posted a past due payment on my credit report. In a conversation with sears, I found it to be in my best interest to close the account, of which I received a written confirmation on XX/XX/2016. 
Regardless, even after the account has been paid in full, and closed, sears are still reporting that my account is delinquent or 120 days past due. However, there is a zero balance, the account is closed, and in contacting them by phone did not provided me any resources to correct the issue.
Product: Vehicle loan or lease

XX/XX/XXXX, At XXXX XXXX, I purchased a XXXX XXXX XXXX for {$13000.00}. My trade in was rolled over {$6200.00} into new loan for a total of {$19000.00} sales price. 
{$13000.00} x 8.05 % sales tax ( XXXX my zip code ) is {$1000.00}. I was charged on my loan contract {$1100.00}. Difference {$120.00} due to me over 3 months ago. Keep in mind I have to pay interest on this. 
XXXX XXXX can not charge me sales tax on my rolled over inequity {$6200.00} into my new car loan. 
Dealer inflating price of XXXX XXXX XXXX-sales tax and {$6200.00} roll over. Dealer gave me - {$600.00} for my trade in XXXX XXXX XXXX XXXX  ( XXXX   battery died on XX/XX/XXXX. I am out the value of my trade in. 
Did XXXX XXXX overcharge me for my used XXXX XXXX XXXX? From {$13000.00} to {$19000.00}? Can they dealer that? Now I am paying interest on interest. This seems illegal. 
XXXX XXXX charged me ssales tax interest on - {$600.00} too! = {$48.00}
Product: Credit reporting or other personal consumer reports

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payment on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. Please have these accounts stated below UPDATED and CORRECTED : XXXXXXXX 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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$21000.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$19000.00}, XXXX XXXX  XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$9900.00}, XXXX XXXX XXXX  XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}