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

PLEASE BLOCK AND REMOVE I urgently request that you take immediate steps to remove the unauthorized inquiries from my credit report, as they were not initiated by me and are causing considerable distress.
Product: Credit reporting

Disputed account is well beyond the 7 year statute of limitation from first default and being on a credit report and still remains on my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian 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 ( FRCA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 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-CFBB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with the federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Citizens bank  on XX/XX/25, I did not request a card through them. 
XXXX XXXX XXXX XXXX on XX/XX/25, I did not request a card through them. 
XXXX XXXX XXXX  XXXX XX/XX/25, I did not request a card through them. 
I have frozen my report since these inquiries and have gotten numerous notifications that someone out there is trying to use my information to obtain credit since I have frozen my credit report.
Product: Credit card or prepaid card

I contacted chime to try to close my account numerous times they told me I had to do all this stuff to close my account and then still would not send me the money said they had to send it to the last known address. I told them I was in a homeless shelter bc I was illegally kicked out of my home and they still refused to help me in any way and would not give me any information about my own account. I have tried to contact a lot of different people and I just don't know what else to do I made a police report through the XXXX police department on XX/XX/XXXX. Please help XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian In the results of their FOUR investigation of MY SIX Disputed Accounts and subsequent re investigation,  stated in writing that they have “verified” that these items are being “reported correctly” ?   Who has verified these accounts?   They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it)  as required under Section 609 (a)(1)(A)  &  Section 611 (a)(1)(A).  Furthermore They have failed to provide the method of verification as required under Section 611 (a) (7).   Please be advised that under Section 611 (5)(A) of the FCRA – They are required to “…promptly DELETE all information which cannot be verified.”  The law is very clear as to the Civil liability and the remedy available to me (Section 616 & 617) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Money transfer, virtual currency, or money service

Money Gram is XXXX profiling money being sent to XXXX
Product: Debt collection

I have received at least 3 text messages ( have deleted others ) on Thursday XXXX XXXX XXXX XXXX, Monday XXXX XXXX XXXX XXXX and today, Tuesday XXXX XXXX XXXX XXXX regarding a debt collector I have never heard of in an amount that I do not owe. I have 2 different credit monitoring accounts, neither which is showing anything for the past 10 years in the amount the texts claim to be owed. I believe this to be a scam which is why I have not reached out to the " Unifin '' company listed in the text message and I am seeking the CFPB assistance is getting these communications ceased while reporting a potential scam using the name of a ( potential ) legitimate company. The contact number in the text messages does not match the contact number listed on the Unifin Inc website either which further leads me to believe it is a scam.
Product: Debt collection

PROFESSIONAL FINANCE C Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
i have no clue what the XXXX this is i know i didnt make this i dont care what the comapny states they have to prove its really me not anyone can use my info online anymore i pay with cash this dont tell me what is is im supose o owe im not paying for this when i didnt make this no letters came in the mail saying i did nothing at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company STERNRECSVCS ( Original Creditor : XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$280.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've asked Equifax several times to remove a XXXX XXXX / XXXX from XX/2012 from my credit reporting it has been paid and reads {$0.00} balance. They keep telling me it 's up to XXXX
Product: Student loan

CFPB, please know that this is not a duplicate ; this is a complaint about the documents that were just sent to me in a previous complaint. The complaint number is in the next section. Whoever handled my last complaint referred to me by another person 's name and actually gave me THAT person 's promissory note! Under NO circumstance should I be addressed as ANOTHER CONSUMER and be SENT ANOTHER CONSUMER 'S SENSITIVE DOCUMENTS. I have the document they sent me to prove it ( attached to this complaint ) -- titled under the person 's name, addressed in the letter under the other person 's name, and containing THEIR promissory note! I have repeatedly provided MY social security number, MY account info, and MY birth date in order to prove MY identity. Whoever did my complaint chose to give me someone else 's identity. NEXT, I GUESS I'LL BE TOLD THAT IS LEGAL TOO. The person handling the previous complaint stated that they 'are not required to give original documentation with my " wet '' signature ' -- putting quotation marks around " wet '', as if they do not understand what that means. Well, guess what, JPM Chase? WHAT YOU JUST DID IS WHY WE AS CONSUMERS REQUEST ORIGINAL >>> SIGNED <<< DOCUMENTATION, and you are INDEED supposed to give consumers WHAT WE REQUEST, as it is our RIGHT to do so. Under the grounds that JPM Chase can not get their facts straight about who they are addressing, and are CLEARLY blending my personal information and the bureau-reported JPM Chase account with another consumer 's, I DEMAND that the JPM Chase account listed in the next section be DELETED IMMEDIATELY. I will also be informing the bureaus of this extreme inaccuracy and violation!
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my Transunion credit report : XXXX XXXX XXXX ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, XXXX OF XXXX XXXX ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, XXXX XXXX XXXX  ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXX Open date XX/XX/XXXX, XXXX XXXX XXXX NET ACCOUNT NUMBER XXXX Open date XX/XX/XXXX, XXXX XXXX XXXX  ACCOUNT NUMBER XXXX Open date XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I never got one letter stating I owed this amount to XXXX or any letters to say they were attempting to collect a debt they must not have my new address- so I called XXXX and they said I don't owe any money as well and I even have tracking numbers for the equipment that was already returned to XXXX Also, the equipment in question is at my current address under my wife 's name so once again -This is not a valid debt. The debt collection company also would call me at XXXX XXXX in the morning as I have been living in CA for work and then wouldn't state who they were and wanted me to provide personal information before they would disclose who they were and I did not feel comfortable doing so. They violated several laws with the way they called before XXXX XXXX and I'm concerned they are doing the same to others. they also called one time 14 times in a row before XXXX XXXX  My tracking numbers for the returned equipment are # XXXX XXXX  also gave me a ref # that proves I don't owe them any money its ref # XXXX
Product: Student loan

I am in a revised pay as you earn plan. The plan, as known in the loan documents, caps your repayments at 10 % of income and provides a set amount per month.     For the pas t ~18 months , I have been repaying my loans without incident. Recently,  Nel Net has  begun assessing the payments for different groups at different times. What this has resulted in is a monthly amount that exceeds the minimum monthly payment.     This should not be compliant with the purpose of the payment plan in use.     What it creates is a situation where i have to pay the minimum amount and then am charged an additional repayment amount for a different group set.     I do not find their explanation of this change availing. I was never assessed a separate amount for the previ ous two years that  I have been repaying this loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account number XXXX. is reporting to all XXXX bureaus that the debt is still outstanding and this is incorrect is has been paid and this account should be deleted The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law I intend to follow through with this if it is not rectified and I am compensated immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS INFORMATION REPORTING IS UNKNOWN I HAVE NEVER DONE BUSINESS WITH THESE COMPANIES YET THEY ARE ON MY CREDIT REPORT FROM XXXX  XXXX  EACH COMPANY REFUSED TO RELEASE MY CREDIT REPORT. THEN I HAVE MEDICAL BILLS ON MY REPORT AS WELL MY BANKRUPTCY STILL SHOWS AFTER I HAVE REQUESTED TO REMOVE IT AND ACCOUNTS LIKE XXXX XXXX KEEP REAPPEARING AFTER THEY WHERE INCLUDED IN THE BANKRUPTCY. THESE OTHER ACCOUNTS LISTED BELOW ARE UNKNOWN TO ME XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX =THIS ITEMED IS CHARGED OFF AND SOLD 3RD PARTY AND IT WAS IN MY BANKRUPTCY TOO XXXX   XXXX   XXXX XXXX  XXXX  XXXX  I REQUEST THAT MY BANKRUPTCY BE REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched onhow to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADECOMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit ReportingAgencies are required to remove/block any items listed on an id theft report. Please find theATTACHED documents to assist in the blocking of the erroneous information which is being posted tomy report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX  XXXX Balance {$7100.00} XXXX  XXXX Balance {$10000.00} XXXX XXXX XXXX  XXXX Balance {$7900.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance {$2700.00}
Product: Debt collection

I live in Washington XXXX DC. In 2018, while my son was attending XXXX XXXX, he asked me to cosign an apartment for him. I agreed to do so, and electronically signed an agreement with XXXXXXXX XXXX XXXX XXXX XXXX in XXXX SC on or about XX/XX/2018. However, after researching rent rates in the area, my son decided not to take the apartment. While checking my credit last year, I noticed a debt for XXXX owed to Carter-Young Associates . Once I discovered the mark on my credit report, I reached out to the Apartments first. Apparently they have charged me 2 months rent even though neither of us have never set foot in their apartment. As far as I know, he never even put down a deposit. When I expressed my displeasure with this policy, they referred me to Carter Young and stopped taking my phone calls. It feels as though I am being taken advantage of. They have to know a college student wouldn't be able to afford these rates. It seems they are charging the same price as a 2 bedroom apartment for a room. My agreeing to cosign was contingent upon my son accepting the apartment. If he doesn't take it, how are either of us still responsible for rent? I could understand some type of cancellation fee, but 2 months rent is ridiculous.
Product: Credit card or prepaid card

I was receiving unemployment Edd and was given an account through BofA. I wasnt aware that there is 2 different ways to sign in to the prepaid website by BofA. One is the app that was encouraged to use and the official website from a desk top. Both of these sights require a Member Id and password for the same account, you have to create different sign ins for 1 account. Anyways I could never sign in well after all was Done with Edd account someone told me to create a different login name and I would be able to see my account. Well thats when I was able to view my account completely, well there are a ton of charges I never did. I questioned a teller at my local BofA to explain to her what I was dealing with that there was tons of charges I didnt do. XXXX the employee of BofA informed me to go home look at and print out my account detail.. well I printed this information out and highlighted every charge that wasnt mine and contacted the bank. She told me they would look into it and let me know in the next week our so. It took 33 days before someone finally would address the issue and this was Verbally on the phone with me hounding them. They said it was deemed not to be foul play and that I waited to long to bring this to there attention and I wouldnt receive anything. Clearly I know where I spend my money and so know I just loose out on money that is rightfully mine.. I dont believe that they should have multiple ways to sign into one account that require different passwords for that same one account. Plus the app only goes back so far so if I looked at it and didnt see that there to be weird activity then why would I be alarmed but there was hanky activity that I just happened to miss when I signed in. All I want is for them atleast investigate and return the funds that are rightfully mine but nobody at BofA would help me with this. I would just like to have whats rightfully mine returned to me..
Product: Mortgage

A representative from Prosperity Home Mortgage contacted me about pre-qualifying for a home loan. During the conversation he indicated he obtained my information from XXXX XXXX XXXX in XXXX, VA. I did not authorize the sharing of any of my information.
Product: Debt collection

After carefully examining my latest credit report, I noticed numerous accounts that I suspect were added without my awareness and are inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX, ( XXXX ) for their failure to comply with my requests for information regarding a debt they claim I owe. I have made several attempts to resolve the matter and requested critical documentation that I believe is necessary to verify the legitimacy of the debt and the authority of the collection agency. 
1. Failure to Provide Requested Information : On XXXX XXXX, I sent a written request to XXXX ( XXXX XXXX XXXX ) asking for the following documents : -The original purchase agreement, stating they owe the debt and contract that shows I am responsible for the debt. 
- Proof that they are legally authorized to collect debt in the state of Colorado. According to the NMLS consumer access they are not licensed to collect any debt in the state of Colorado -Permissible purpose Despite these requests, [ Collection Agency Name ] has failed to provide any of the requested documentation or respond to my inquiry in a timely manner, and Still report this debt they have failed to provide any documentations for to my credit reports which violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) 2. Lack of License to Collect Debt in Colorado : Additionally, I have reason to believe that [ Collection Agency Name ] is not licensed to collect debt in my state of [ Your State ]. Under the Colorado Fair Debt Collection Practices Act ( C.R.S. 12-14-103 ), a collection agency must be licensed to operate in Colorado. When I requested the agencys license number, they failed to provide this information, which further substantiates my belief that they are not in compliance with state law. 

3. Request for Removal of Collection Entries : Given these violations, I request that you take appropriate action to have all collection entries related to XXXX that XXXX ( XXXX ) to remove from my credit report, as they have failed to validate the debt and are not properly licensed to collect in my state. 
I am requesting that the CFPB investigate this issue thoroughly and take any actions necessary to ensure that this collection agency is held accountable for their unlawful practices. 
Summary of Complaint : XXXX XXXX XXXX ( XXXX ) failed to provide the requested documentation, including the original purchase agreement and proof of licensing to collect debt in my state. 
XXXX XXXX XXXX does not appear to be licensed in the state of Colorado to collect debts. 

- I request the removal of all collection entries from my credit report associated with this agency due to their failure to comply with the law. 
I have attached copies of all relevant correspondence and supporting documentation for your reference. 
-which is the letters I have sent on XXXX XXXX Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue. Please let me know if you need any additional information from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

A security freeze was placed on my XXXX report on XX/XX/2020. I also placed a freeze on my XXXX XXXX XXXX XXXX report on XX/XX/2020. I do have verification for these freezes if needed. XXXX has continued to verify personal information reporting to my credit report post-freeze. I have letters from XXXX  ( XX/XX/2020 ), XXXX  ( XX/XX/2020 ), and Experian ( XX/XX/2020 ) stating that public records on my report were verified using XXXX. I received a letter from the courthouse stating that they do not sell or report public records concerning bankruptcy filings to any third party agencies or credit bureaus. The reporting from the three major bureaus do not match one another as they are required to. I have disputed the inaccuracy of the reporting and nothing has changed. The court names are incorrect, the filing dates do not match and they are incorrect, the reference numbers are all different. I have disputed this information with XXXX, XXXX  and Experian multiple times and the information comes back verified each time with the same response : " obtained through a third party vendor XXXX XXXX XXXX XXXX XXXX ''. I know that the law states that the bureaus are required to report all accurate information on consumer reports, and that has not been the case for me. I am aware that data obtained for a consumer report must be validated through the original furnisher and the original furnisher stated in writing that they do not share info with 3rd parties.
Product: Debt collection

My credit report reflects a collection company trying to collect on a debt of {$2000.00} in which I did not owe that amount to the original creditor how are they collecting and reporting higher amounts of debt owed on my credit report. They cant collect the debt as the statute of limitation in california is 4 years and they has passed, I recently disputed this same information in which they closed the collection on my credit however it shows closed balance owed of {$2000.00} which is incorrect.
Product: Checking or savings account

This is my direct deposit account ( payroll ) in 5/3 Bank. I have been charged 7 times overdraft fees of {$37.00} each, they took out from my account {$250.00} ( from XXXX to XXXXXXXX XXXX  ).
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting on my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting or other personal consumer reports

I do not recognize the credit inquiry from XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2023 and I have asked for it to be removed but they did not remove it. I am providing an identity theft report attached and I am requesting for it to be removed because it is inaccurate and not mine.