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

To Whom It May Concern, I have done some research and found that in accordance with the Fair Credit Reporting Act Convergent, Account XXXX XXXX XXXX has violated my rights. 
15USC 1681 SECTION 602 states I have the right of privacy.

15 USC 1681 SECTION 604 A Section 2.. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B.. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late payment for any purpose. 
I am demanding this account be updated to paid as agreed and never late. 
Account Information : Creditors Name : XXXX Account XXXX : XXXX Date of Late Payment : XX/XX/year> I await your reply with the above request. I will correspond back with you by certified mail. 
Sincerly, Attached : Copy of ID and proof of residency ( I am not a third party. I wrote this letter myself ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts on my credit report that do not belong to me : XXXX : XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Other Collection Agencies {$230.00} {$230.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Other Collection Agencies {$170.00} {$170.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Other Collection Agencies {$57.00} {$57.00} XX/XX/XXXX XXXX XXXX XXXX Other Collection Agencies {$1900.00} {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous All Others {$0.00} {$0.00} XX/XX/XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Upon reviewing my credit report, I noticed multiple accounts that appear to be inaccurate and were added without my consent.
Product: Debt collection

I just filed a complaint with XXXX XXXX they sold this account to Spring Oaks LLC, Waiting for response from Spring Oaks LLC, couldnt reply to the company because they were not in the system for complaints, how are they capable of replying and I just got some mail from them today thats clearly stated this is an ONLINE CASH ADVANCE with a drivers license, 1 check stub, that can easily be done, 2 separate sheets, 1 bank that shows deposit and credits and another bank that shows absolutely nothing. This does not show anything that proves this is mines, this is a reason why I posted documents and why I had to contact XXXX, because I couldnt open up me an account this year XXXX. I will post all these documents and they didnt respond to COMPLAINT ID XXXX Is because they were gathering all this mess to try and prove this is mines, when you submit disputes to the credit bureaus you submit all documents including DL and they submit documents to them, first thing first you continue to report a C/O account monthly and its closed, It was sold to your company from XXXX XXXX and from XX/XX/XXXX it shows INTERNET Cash Advance, no in person conversation to XX/XX/XXXX, if this is a cash advance where did you get all of these different transactions when you dont show the deposits. WHO account are you looking, you sent me 2 different banks
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX ending in XXXX is reporting twice on my credit report. I've made the company and Equifax aware. I understand Equifax may be overwhelmed with claims but I really want them to delete the duplicate reporting. As it is hurting me. XXXX has been made aware and they have not requested for it to be removed.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I received an email from Robinhood notifying me of their decision to close my accounts due to alleged suspicious activity. However, the only unusual activity I experienced recently was a series of phishing emails attempting to acquire my login credentials, to which I did not respond. I have been using my account in a manner fully compliant with Robinhoods terms of service. 

Following this notification, I sent three emails to Robinhoods support team requesting clarification on the sudden account closure. To date, I have not received any response. My accounts do not have a negative balance, and Robinhood indicated they would release my funds, yet no action has been taken. I am in urgent need of access to the funds held in these accounts.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against all 3 credit reporting agencies regarding their credit reporting practices, as regulated by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c.

The basis of my complaint involves the following issues : 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports.

Pertaining to 15 us Code 1681c : Except as authorized under subsection ( b ), 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. 
Adverse item of information meaning- include records containing derogatory information, such as payment delinquencies or defaults etc No adverse items besides the conviction of crimes should be on my all 3 of my credit reports XXXX XXXX TRANS UNION XXXX XXXX. All derogatory marks must be removed from all 3 of my credit reports, all and any delinquencies must be removed from my credit reports all and any defaults must be removed from my credit reports. All and any late payment reporting must be removed from my credit reports. All and any utilization percentage usage also must not be on my 3 credit reports.

After looking over my credit report all these companies have reported adverse information and XXXX, TRANS UNION, XXXX have furnished the adverse information on my report without my permission and against federal law Companies include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

CONSTANTLY ACTING LIKE MORTGAGE PAYMENTS ARE NOT BEING MADE. LOSING PAYMENT 'S. PRETENDING LIKE I AM NOT XXXX AND THREATENING TO FORCLOSE DUE TO APPLYING PAYMENT 'S TO WRONG ACCOUNTS. PLEASE HELP I HAVE MADE MY PAYMENT 'S.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrectly to XXXX  ; XXXX  and Transunion a collection in the amount of {$11.00} - account number : XXXX. ( Please see page 9 of the attached credit report. ) This account is paid-in-full. There is no outstanding balance due. This incorrect reporting is a violation of the Fair Credit Reporting Act ( F.C.R.A. ) and consequently harming my credit score.
Product: Money transfer, virtual currency, or money service

My name is XXXX and I believe I have been part of a scam from an old acquaintance of mine named XXXX XXXX from XXXX. 
The situation is that I was foolish enough to trust this person to invest in bitcoin for me. XXXX put me in contact with her coach XXXX XXXX ( not sure if the name is accurate ). 
I have used XXXX and XXXX as my transactions and the accounts and numbers are as listed below : XXXX XXXX ( {$6000.00} ) XXXX XXXX ( {$2000.00} ) XXXX XXXX ( {$1000.00} ) XXXX XXXX ( {$1000.00} ) XXXX XXXX XXXX ( {$2000.00} ) Please look below for receipts with discussions and payments. My XXXX has been hacked and I no longer have access to any of this. Please report this fraud so we can make sure no one else can be victim of this fraud.
Product: Vehicle loan or lease

For many years XXXX years now someone has been impersonating my self and life. My phone number, bank accounts, social, birthday, addresses, and voice records have been compromised. I have faught with westlake financial for years showing proof of files police records and notarized letters and proof of identity theft documents proving it wasnt me that opened this account. And they keep denying it. Its holding me up from purchasing properties, and even getting a car loan I need this handled and removed immediately pls help
Product: Credit reporting or other personal consumer reports

The presence of an incorrect address on your Experian credit report falls under the Fair Credit Reporting Act ( FCRA ), which governs the accuracy of consumer credit information. Here are the key legal provisions related to incorrect addresses on credit reports : 1. Right to Dispute Inaccurate Information ( FCRA 611, 15 U.S.C. 1681i ) Consumers have the right to dispute any inaccurate, incomplete, or outdated information on their credit reports, including incorrect addresses.

Once a dispute is filed, Experian must investigate within 30 days ( or 45 days if additional information is provided ).

If the disputed address can not be verified, Experian must remove it from the credit report.

2. Obligation to Maintain Accuracy ( FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) ) Credit reporting agencies ( CRAs ), including Experian, must ensure that the information they report is accurate and up-to-date.

If Experian includes an incorrect address due to errors from data furnishers ( e.g., creditors, lenders ), they must take steps to correct it once notified.

3. Consumer Notification of Investigation Results ( FCRA 611 ( a ) ( 6 ) ) After an investigation, Experian must notify the consumer of the outcome.

If the incorrect address is removed or corrected, they must provide an updated report for free.

4. Liability for Failing to Correct Errors ( FCRA 616 & 617, 15 U.S.C. 1681n & 1681o ) If Experian willfully or negligently fails to correct an incorrect address after being notified, consumers may be entitled to : Actual damages, including financial harm caused by the error.

Statutory damages ( up to {$1000.00} per violation ).

Attorneys fees if legal action is necessary.

5. Identity Theft & Fraud Concerns ( FCRA 605B, 15 U.S.C. 1681c-2 ) If an incorrect address is linked to identity theft or fraud, consumers have the right to : Request an immediate block of fraudulent information.

File an identity theft report with Experian and law enforcement.

If Experian fails to correct an incorrect address, you can file a complaint with the Consumer Financial Protection Bureau ( CFPB ) or your state attorney generals office.
Product: Bank account or service

I opened a CitiGold Bank Account in XXXX 2016 and I opened it because of a promotional offer from Citibank for XXXX XXXX XXXX points. I received via e-mail a PDF letter from SXXXX on XXXX XXXX, 2016 specifically stating that the promotion was attached to my account and that I need to complete the the terms that required spending {$1000.00}. on my account 's debit card and XXXX or more online bill pays for 2 consecutive months. Further it stated that " Once you meet the above terms and conditions, please allow 90 days ... '' ( letter is attached ) the XXXX XXXX XXXX would be placed in my XXXX XXXX account. I did everything that was required in the letter and I did not receive the miles. I sent an e-mail via their website 's secure message system inquiring about where my miles were and they sent me an email back saying that I was n't eligible and they are refusing to put the miles in my account! A quick internet search is showing that this is happening to a lot of people and, in my opinion, Citibank is being dishonest. In the meantime, they are charging me {$30.00} a month for this checking account.
Product: Credit reporting or other personal consumer reports

I have XXXX XXXXXXXX XXXX  account number XXXX that's reporting inaccurate information for 3 years now. This XXXX Credit catd company reported that I was 30 whole days late back in XXXX of 2021. This is a Melicous attack on me from the service center or company. I never missed a payment at all. I spoke with different personnel with that company. In complaints to inaccuracies when I was a member. I did share how incompetent they were and I guess this was their attack back on me. This account is damaging to me getting any VA approvals for a home loan. 

I attached a snap shot of XXXX has this same exact account on their reporting system. They report that I have no late payment for XX/XX/ 2021 nor have I ever been late with XXXX XXXX XXXX Something is obviously inaccurate and wrong on Experian reporting system. I simply ask that this account be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a company reporting inaccurate late payments on my credit report. I reached out to the credit bureau about this on XX/XX/XXXX and they did not reply back. They also have not fixed the inaccurate reporting.
Product: Credit reporting or other personal consumer reports

Company continues to provide inaccurate information without providing validation of information. Company does not have my written consent to provide said inaccurate information to creditors. Please immediately provide complete credit report in compliance with 15 U.S.C.1681c-2,15U.S.C 1681 ( b ) ( 2 ), 15 U.S.C.1618 ( a ) ( 1 ), 15 U.S.C.1601, FCRA 604 ( C ), AND ALL APPLICABLE CREDIT LAWS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a fraudulent account on my XXXX report XXXX of 2016 from a company called, XXXX XXXX XXXX. They were, and still are, reporting that I owe a {$7000.00} debt for an  involuntary repossession. I filed a police report and submitted it to Credit Acceptance as well as XXXX  asking them to remove this fraudulent item from my credit report or furnish proof that the debt was mine. I 've not received favor responses from either company. In fact I was threatened by an employee from Credit Acceptance. And XXXX continues to tell me that Credit Acceptance has verified the debt is mine but refuses to show me the proof. I am obviously frustrated and dissapointed that both companies are so unwilling to help.
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 confidentially under 15 USC 1681. 

Synchrony XXXX XXXX : // XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.
Product: Mortgage

I have a loan serviced by Specialized Loan servicing and have tried for 3 months to get a hardship modification. After providing exhaustive documentation supporting my curent financial difficulties and after spending countless hours providing documentation, they then told me they are not authorized to negotiate. I have another home that my ex wife lives in and that company provided a hardship modification without issue. I am extremely upset with the run around and need help and they have been giving me a run around. I then went through there 2nd party review and have been ignored
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 accounts that are fraudulent on my report. They told me to get the police report and then send that in with proof of my identity. I have sent numerous times this stuff in and now their new excuse is there were payments made and they dont have to block them from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I last spoke with XXXX, in XXXX XXXX XXXX. She refused to follow the FCRA and block these accounts
Product: Mortgage

I am submitting this written complaint regarding the recent 30 day late payment notice that was reported, by 21st Mortgage Corporation ( 21st ), regarding my Account # XXXX, to XXXX XXXX, XXXX and XXXX ( the Bureaus ) for the month of XXXX, XXXX. In the early part of XXXX, I contacted 21st to let them know that I was currently under contract, with a local Builder, to sell the respected property. My contact was XXXX XXXX ; I informed XXXX that it was a cash transaction and that closing was scheduled for the third week of XXXX. In late XXXX, I informed XXXX that the closing was moved to the third week of XXXX. During this discussion, it was agreed that if closing did not go through as planned, as long as I kept 21st updated and made the XXXX payment by XXXX XXXX, everything would be okay since I had a five year perfect payment history. XXXX also congratulated me on the sale of the property. As luck would have it, the closing did not take place in XXXX. As discussed, I made the XXXX payment on XXXX XXXX. As a result XXXX, immediately ignored the verbal agreement and my perfect past payment history and reported the payment 30 days late. The closing/sale of the property is taking place today, XXXX XXXX, XXXX and the balance will be paid in full. I am in the process of closing on the purchase of a new home on XXXX XXXX, XXXX. As a result of 21st reporting the 30 day late, my credit score dropped XXXX points to a mid-score of XXXX ; worse yet, I have a 30 day late payment, on a mortgage, within the last 12 months. This fatal reporting of the 30 day late has pushed my credit score, credit history from a " XXXX XXXX '' status to a " Refer '' ( Non-Approved ) status and I am no longer approved for the mortgage on the new home. I feel mislead by 21st and I am requesting that, in lieu of the circumstances surrounding the late payment and my perfect pay history during the five year term of the loan, the 30 day late payment was reported in error and that 21st remove it from my credit report to the Bureaus. I would like written confirmation that 21st will report this immediately and that they will be willing to orally confirm this, as well, with all Bureaus and Credit Technology, upon request. The closing on my new house is in XXXX ; if I do not receive compliance immediately from 21st, I will lose the home, possibly be without a home and will suffer substantial financial consequences. If 21st is not willing to immediately comply with this request, I will file a written complaint with the CFBP today.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There are several XXXX accounts that i didnt authorize or give permission to open. Also Dept of education, XXXX and XXXX XXXX . These accounts do not belong to me and need to be removed from all 3 credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation inaccurate information must be removed id theft victim account not mine due to id theft of various names
Product: Credit reporting or other personal consumer reports

I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate This is the ONLY personal information that should be reported on my credit report Please update my name to : XXXX XXXX Please update my address to : XXXXXXXX XXXX XXXX XXXX, Louisiana XXXX Date of Birth : XX/XX/year> SS # : XXXX Also, the only name and address that should be reported on my consumer profile are the ones listed above and in the documents attached to this letter. Again, anything else should be deleted ASAP from my credit file I know that you want proof of my personal information that is listed above so I decided to include this information in the letter to make it easy for you to delete the inaccurate information I also noticed the following accounts reporting inaccurately, there are quite a few of them, which left me a bit shocked and confused! I've listed the ones I saw below but there may be more as I continue to review my report. Mistakes such as these can cost me thousands of dollars in interest a year! 

Here are the items that I need to have fully verified as being 100 % accurate :
Product: Mortgage

I currently have an ongoing mortgage account with XXXX mortgage corporation. I called in about XXXX weeks ago so try and work out a payment plan due to I am now the ONLY source of income in the household. I understood the process and possibilities offered, but as of today XX/XX/2025 I called once again to try and get a payment due date change so I can avoid late fees since I am already having difficulties giving payments on time. which yes it is possible, but I'd have to pay fees for 15 days of an amount of almost {$2.00} XXXX something on top of that partial payment. Which unfortunately I only have to cover the monthly and not that extra amount. Every time I call and try and work something out they are extremely rude. I explained I do have other payment I also have to take care of, and not just this one. I have to work around my payments which is why I need a due date change so that I can avoid late fees of some sort. I do get paid bi-weekly with an amount of {$2000.00} monthly. Keeping in mind MY income is the ONLY source I have explained plenty of times. I have called in with the greatest intention of trying to work something out, BUT XXXX XXXX does NOT know how to treat or speak to their customers. I want to submit this complaint not only against the company itself ( because everyone there that I have spoke to are RUDE, RUDE, RUDE ) but also against XXXX XXXX ( supervisor ) that stated she didn't care if there was other payments on my list that I needed to give this payment as a priority. Every single time I do call in or even answer their calls it doesn't fail they are rude, mean and unfortunately I have cried of how extremely rude they are. I know I have to pay the mortgage, but as a SINGLE mother and ONLY income they have no compassion after I stated my reasons. I hate to be late on any of my payments which is why I had requested a due date change.
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {XXXX XXXXXXXX XXXX Bankruptcy Discharged Reference # : XXXX Date Filed/Reported XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Discharged Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX