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

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney XXXX XXXX in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( XXXX ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXX XXXX FRAUDULENT ACCT XXXX XXXX XXXX XXXX FRAUDULENT ACCT XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the XXXX XXXX XXXX XXXX my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : XXXX, XXXX, CFPB XXXX XXXX
Product: Vehicle loan or lease

I had a lease with Nissan-XXXX which had come to term and was paid as agreed. It is reporting settlement paid for less then the full amount this is inaccurate. 1. Any fees due after the term of my lease is a separate agreement and can't be attached to a previous loan agreement. 2. I made this settlement with a different agency not with nissan.
Product: Credit reporting or other personal consumer reports

I noticed that there's an inaccurate public record on my credit report. I don't have any knowledge regarding this so please check the documents I've sent regarding this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$460.00}
Product: Mortgage

I have a HELOC with Wells Fargo and a couple of Months ago I made the final payment to repay all that was borrowed in full. Then the following month they send me another statement for approx {$20.00} in charges, and now today another statement came for XXXX??? I am tired of playing games with Wells Fargo and calling them and trying to rectify this is impossible because they just put you on hold and never come back or transfer you to a line that hangs up
Product: Credit card

My entire wallet was stolen in XXXX 2015 and many of my credit cards were used. One of them was my child support credit card, XXXX, which they used {$550.00}. I have sent all the requested information, police report and they are saying the status is " fair hearing '' which means they can take as long as they want to resolve matter. I provided the company with all the requested information and there is no reason they should be holding my monies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple certified letters ( with Tracking # 's ) have been sent & received by Experian. I have requested, per FCRA laws multiple times for Experian to verify & provide me the proof per mail that the accounts ( through PROOF OF CONTRACT WITH MY SIGNATURE ) ; indeed, belong to me. Each time, Experian has updated my credit stating they have " verified '' that the account belongs to me, and not deleting the fraudulently reported & unverifiable through proof of signed contract account.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FCRA XXXX ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602A I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604A STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX ACCT # XXXX {$470.00} EQUIPMENT WAS RETURNED AFTER MOVING OUT OF STATE, XXXX SAYS DIDN'T RECEIVE. REQUESTED THEY RUN CAMERA SURVEILLANCE AND THEY DENIED.
Product: Credit reporting or other personal consumer reports

After checking my credit report, I discovered multiple billing inaccuracies. The late payments shown do not correspond with my regular payment history.
Product: Credit card

I have been trying to pay off this TD Bank account since I opened it. They keep telling me that they are charges pending. It has been over 2 months. They show my balance as {$0.00} and minimum payment due as {$0.00}. When I called them initially, they said to wait until the order was fully delivered. All items have been delivered 2 months ago. Last time I called was on XX/XX/XXXX  at XXXX and I was told that I needed to call the XXXX XXXX and ask them to push the charges through. It continues to be a back and forth. This is my final attempt to pay these people. This is ridiculous.
Product: Debt collection

PLUS FOUR INC ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2300.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Money transfer, virtual currency, or money service

I have initiated the transfer of USD 2000 to my XXXX account XXXX on XXXX using vianexfast remit service ( https : //www.vianexfastremit.com ). They promised me to deliver the money on XXXX. But I have not received the money yet. I called customer support number XXXX, They re-initiated the transaction and told me that the money will be transferred to my account in 24 hours. But still i have not received the amount.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report back on XX/XX/year> and noticed that things were incomplete and not accurate. I sent a letter to XXXX on XX/XX/year> and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. Theyre breaking Federal Law!

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 USC 1681e ( b ) i ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer reporting agency ( I ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and ( ii ) the information is in fact, inaccurate.

This is unfair and if theyre doing this to me imagine who else theyre doing this to. Can you please fix this problem.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. I'm a small business owner that uses Merchant accounts to deduct my business on a regular basis with primarily Chase. The name of this business is XXXX XXXX XXXX XXXX. Recently just did a transaction thru my merchant account with Chase in the amount of 6,000 dollars with a loyal business partner of mines. During the normal time it takes to drop a batch in my account normally takes the next day. However, this transaction is DELAYED only because I did not use the Merchant device, instead it was a online transaction but I have proof of the transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following items with XXXX and they have continued to report negative items on my report that do not belong to me that is resulting in bringing down my score and has affected my credit worthiness. I have been denied services and auto loans due to my credit score and the negative XXXXNeeds Attention Last reported : XX/XX/XXXX {$2600.00} In Collections/Charge-off Show closed ( 1 ) COLLECTIONS XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX {$4000.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX {$880.00} Needs Attention XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies 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 : also states a consumer reporting agency can not furnish a account without my written instructions. 

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 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name :XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XX/XX/XXXX XXXX Account Name : XX/XX/XXXXXXXX Account Name : XX/XX/XXXXXXXX Account Name : XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name :XX/XX/XXXX Account Name : XXXXXX/XX/XXXXXXXX Account Name :XX/XX/XXXX Account Name : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This account was also removed from XXXX on XX/XX/scrub>/2025 and XXXX on XXXX/XXXX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/year>2025 po box XXXX XXXX, Tx, XXXX Re : Dispute of Reinserted Account - Request for Immediate Removal Dear Experian, I am writing to dispute the reinsertion of a negative account on my credit report, which had previously been removed. The account in question is XXXX XXXX XXXX The account was removed from my credit report as of XX/XX/year>2025 & XX/XX/year>2025, as confirmed by your bureau. However, I have recently discovered that this account has been reinserted into my credit report without my consent. 
I have proof of the account 's previous removal, including photos of credit reports from Experian, XXXX, and XXXX showing the removal. 
Furthermore, I did not receive the required notification at least 5 days before this account was reinserted, as mandated by 15 USC 1681i. This lack of proper notification is a violation of the Fair Credit Reporting Act ( FCRA ).

Given these circumstances, I request the immediate removal of this account from my credit report. Enclosed with this letter are copies of the proof of removal and any other relevant documentation supporting my request.

Please confirm in writing once this account has been removed from my credit report.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR XXXX, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

ACCOUNT OPENED : XX/XX/XXXX ACCOUNT CLOSED XX/XX/XXXX ACCOUNT # XXXX AMOUNT OWED : {$17000.00} SINCERLY, XXXX XXXX
Product: Credit card or prepaid card

I have been a home depot credit account holder since XXXX. I have always paid my credit card on time as agreed. 

Approximately around XXXX, I went to home depot as I would normally do to make some purchases. I proceeded to attempt to use my credit card that I have had with them for years, when it was suggested that I try to open up a new one for some type of promotional discount on my purchase. I told them I already had an account but they urged me to apply, and they specifically told me I would not be getting a new credit card account but instead just receiving a promotional card. I am a very limited English speaking consumer and I hesitated, however the representative assured me it would be fine. 

This is where this is all confusion to me, and I believe due to my limited English I am being taken advantage of. I have been trying to get to the bottom of how or what happened when an additional HOME DEPOT account was opened up on or about XXXX/XXXX/XXXX, and subsequently a small purchase of {$2.00} was made on this account. This purchase resulted in late fees rolling over for several months and late payments going on my credit report for those months. 

This all happened from XXXX - wherein I found out of this past due balance for {$11.00} to home depot that was completely shocking because I go to the home depot store every month and pay off my account in person, without fail. I spoke with HOME DEPOT to try to explain this account was not opened up with my authorization or intention, and I NEVER charge the account ever for {$2.00}. I believe this is fraud, however nobody at HOME DEPOT is willing to listen to me or help me get to the bottom of this. I am being severely injured by the derogatory lates they are reporting for a past due balance of {$2.00}.
Product: Debt collection

I have made more than 20 inquiries and complaints regarding my account with Citi to the XXXX XXXX XXXX, their company 's customer service numbers and chat feature via their app. I have been told false information and wasted my money to pay towards this debt in order to be placed in the hardship program, which their representatives refused to place me in even after I did what was said to be required of me. 

Since the covid 19 pandemic my income was drastically reduced, every single one of the companies I have credit cards with worked with me with the exception of theirs.

They have been mostly unreachable via their customer service number for months, long hold times and repeated hang ups.

Over the course of 7 months I have made countless inquiries to citi and was given false information causing my debt to increase in size with excessive fees, despite my attempts to resolve this matter with their customer service department. I was even told on numerous occasions to call back, when I explained if I called back at a later date I would incur another fee, something their representatives should be aware of. Instead of helping me to prevent this, they encouraged more time to pass so more fees would be placed upon my account. 

Even before this pandemic hit when I made a phone payment in XX/XX/2019 their customer service representative directly they told me the wrong amount due and proceeded to charge me a late fee for the following month. This was fault of their customer service and not my own. I have my phone and bank records to prove this.
Product: Money transfer, virtual currency, or money service

I have been trying to link my PNC bank account to the XXXX app to start an investment portfolio but it continues to tell me i have invalid credentials although i use the same credentials to log in to my virtual wallet for PNC. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a student loan account from XXXX that was originated in XXXX. I have repeatedly requested verification that the account is mine - a signed contract, a promissory note, ANYTHING. I have disputed this account four times and every time get the standard " Verified '' from Experian without the method of verification I requested, without supporting documents, and without a human being reaching out to me. Both XXXX  and XXXX  did their due diligence and deleted the account - I sent Experian proof of this in XX/XX/XXXX and requested they follow suit. They once again ignored this request and auto-verified the account without requesting any proof from XXXX. I NEVER put my signature on a promissory note for an account from XXXX. I challenge Experian to provide ONE shred of evidence that this is my account. If they ignore this fourth attempt to remove this error my only other recourse is a lawsuit in which the discovery phase will require they provide said proof. Experian holds a lot of power over consumers and it is their duty to contact data furnishers like XXXX to validate my claim that this is not my account. Please provide me evidence or delete as this account is highly injurious.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a small personal loan today XX/XX/2020 because I was laid off of work and I need to pay off bills but I did not get approved because apparently there are accounts in negative standing appearing on my credit report. I was not aware of these accounts because I have always made sure to keep my credit history in good standing. I looked through my credit report and I found a total of eight accounts that do not belong to me. I have no idea who is responsible for opening all of these accounts in my name without my permission but I have already gone to file a police report. I did not benefit anything such as money, goods, services from any of these accounts nor am I affiliated to any of those companies in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian has countless times allowed creditors to illegally add items to my credit report without verifying or validating this information, the following account from XXXX. XXXX XXXX Ive sent several certified letters demanding them validate any account they claim belongs to me and each time i have demanded this information this company has ignored my request but still was allowed to post this inaccurate information to each of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card with XXXX. It is a credit card company which debit your account every week after you make purchases. I closed the bank account that I was using for automated payments during my divorce. When I realized that, I immediately contacted the company which takes payments for XXXX and set up payment plan. I did that in XXXXXXXXXXXX XXXX XXXX Since then I have made 3 payments and paid off my account completely. I paid off every dime I owed before account was charged off or went into collection. Following the last payment everything was fine. However in XXXXXXXX XXXX XXXX the XXXX reported my account to the all three of credit bureaus as charged-off/collection account with over 5 missed payments and showing that I still have balance owed. None of this is accurate. I paid of the account and made payments on the dates that they stated I have not made payments. I contacted the company which took payments and they sent me the letter showing that I paid in full ( see attached documents ). I then contacted XXXX and after couple of emails they stopped replying or attempting to fix the issue. Because of this, my credit score has significantly dropped, and I have hard time qualifying for any credit or applying for jobs. XXXX has refused to remedy the issue and just completely ignoring me. This is extremely unfair since I worked hard paying off the account and making sure all of the payments go through to fulfill my obligation.