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

I am the author of this complaint as well as the attachment that is being sent. I XXXX XXXX checked my consume report and noticed unauthorized inquires reporting. I reached out to Equifax and to no avail I did not receive a solution. Equifax has violated the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Congress has made findings and according to 15 USC 1681 the banking system is dependent upon fair and accurate credit reporting. I can not get approve for the products and services offered by institutions because Equifax is reporting fraudulently and inaccurate items on my credit report. These inquiries has been furnished without my consent, I DID NOT AUTHORIZE ANY OF THESE REPORTING INQUIRIES. There was no permissible purpose and is a violation of 15 USC 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) Remove these inquires as seen on my credit report. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The uploaded inquiry removal letter has also been sent to Equifax via certified mailXXXX.
Product: Debt collection

Attempted to gather information from company about account and no information was able to be located related to reporting account.
Product: Debt collection

Transworld System has been calling my XXXX year daughter 's brand new cell phone number day and night for the last week that she 's had the phone. I got on the phone once and ask what they wanted with my child, they told me it was none of my business and it 's personal. They would not tell me why they kept calling us and why they are harassing a young child. The harassment of a child has got to stop. I finally was able to get one of the many people who kept calling to give us the name of the person they are looking for and we have no clue who it is. However, it does n't seem to matter to Transworld that we are not the person they are after. They choose to continue to harass my XXXX year old. Perhaps the person who continue to contact my daughter is a pedophile. I ca n't image why they continue to call a kid night and day.
Product: Money transfer, virtual currency, or money service

Hi, I have sent a money transfer on XX/XX/XXXX in amount of {$5000.00} ( plus fees ) using my XXXX  XXXX XXXX checking bank account. Receiver wasn't able to pick up the funds within 3 months, so according to MoneyGram policies refund request should have been filed. I filed refund request by calling customer support on XX/XX/XXXX, they asked me to wait for a week to get my funds back to my bank account. However, since then, I didn't receive any refund. I keep calling them every week, they ask me to wait another week, and then another week, and then another week. It has been 5 weeks already. And they don't say what is wrong, they just keep delaying my refund. And it feels like they are going to delay refund forever. I'd like kindly ask you to assist me to get my funds back.
Product: Credit reporting or other personal consumer reports

Someone hacked into my account without a notification to my cell phone I have filed. They changed my email, password and phone number - stole my account and Experian allowed it. I tried to call and contact them and there is no person to talk to. Their system allows anyone with my SSN to go in and override my account without a notification to me and unfreeze my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES.BLOCK AND REMOVE THEM. 1.XXXX XXXX. 2.XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX 6.XXXX 7.XXXX 8.XXXX 9.XXXX XXXX XXXX 10.XXXX XXXX. 11.XXXX
Product: Credit reporting or other personal consumer reports

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

Since there have been multiple violations of the necessary reporting requirements, my report 's data can not be reliable and full. Having stated that, I dispute your accusations and challenge you to show me your justification for including this incomplete negative information on my credit report.

According to 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against Experian for Violating the Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am writing to file a formal complaint against Experian for inaccurately reporting information on my credit report and failing to correct these inaccuracies, despite being provided with sufficient evidence. Experians actions constitute violations of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681 et seq.

Issue Details Experian has reported an incorrect balance of {$17.00} for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX despite the account having a {$0.00} balance. I have attached : My Experian credit report dated XX/XX/2025, reflecting the inaccurate {$17.00} balance. 

A screenshot from the XXXX application showing the correct {$0.00} balance and {$200.00} available credit. 


This inaccuracy has impacted my overall credit usage calculation, which is reported as 9 % instead of the accurate 0 %. 

Violations of the FCRA Experian has failed to meet its obligations under the FCRA in the following ways : 1. Failure to Ensure Accuracy ( 1681e ( b ) ) : Experian is required to maintain reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. By failing to update the correct balance for my account, Experian has violated this requirement.

2. Failure to Conduct a Proper Investigation ( 1681i ) : I previously disputed this inaccuracy with Experian and provided supporting evidence. However, they failed to correct the error, violating their duty to investigate and resolve disputes.

3. Willful Noncompliance ( 1681n ) : Experians continued reporting of incorrect information, despite being notified, suggests willful noncompliance with their legal obligations under the FCRA.

Requested Resolution I request the CFPB to take the following actions : 1
. Investigate Experians handling of my credit report dispute. 

2. Require Experian to correct the inaccurate reporting of my XXXX XXXX XXXX XXXX balance and ensure accurate reporting moving forward. 

3. Impose appropriate penalties on Experian for willful noncompliance under 1681n, including damages for the harm caused to my creditworthiness and reputation. 

Supporting Evidence Please find attached : 1. Experian credit report dated XX/XX/2025. 


2. Screenshot of my XXXX XXXX Credit Card account showing a {$0.00} balance. 


3. Other relevant documents related to this matter. 

I appreciate the CFPBs attention to this matter and look forward to a prompt resolution. Thank you
Product: Money transfer, virtual currency, or money service

Company related to this case : XXXX Product : Google Pay Company-side Case ID : [ XXXX ] Date : XXXX Amount : N/A ( Since it's a denied transaction ) About a month ago ( XXXX ), I began using my XXXX account on a XXXX  XXXX XXXX. As I am currently residing in XXXX, I attempted to charge my XXXX XXXX card using the Google Pay app. However, my purchase request was suddenly denied, and I received an email stating that my pay account had been temporarily suspended for security reasons. The email instructed me to visit the Google Pay website and submit my bank statement ( attached below ) along with a photo of my card showing previous transactions with XXXX. I followed the instructions precisely and submitted the required documents. 

However, approximately an hour later, I received another email with the same instructions, without any explanation or reason for rejection. This made me suspect that there might have been a mistake, so I reached out to the Google Pay team by submitting a ticket ( Case ID : [ XXXX ] ). Unfortunately, after a week of correspondence, I received templated responses repeatedly, with the team continuously stating that they needed to verify my identity in order to reactivate my profile.
Product: Checking or savings account

I had the Wells Fargo account open since XXXX, they told me if I had a direct deposit from my work, or if I have a automatic transfer money from checking account to savings account minimum of {$25.00}, there's no monthly charge or fee for my bank account, but I still got charged
Product: Debt collection

For : account number XXXX Specifically, Amsher Collection Services has : 1. Reported inaccurate information to the credit reporting agencies, falsely implying I owe a debt. 
2. Failed to provide verification of the alleged debt. 
3. Made false representations regarding the amount or status of the debt. 


Additionally, as a debt collector, you are prohibited from engaging in unfair or unconscionable means to collect or attempt to collect any debt, violating 15 USC 1692j. 


Most importantly, since you are not the original creditor, you are not legally entitled to collect on this debt. The FDCPA prohibits third-party debt collectors from collecting debts unless explicitly authorized by the original creditor or the consumer. 


15 USC 1692j states : " ... a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2013 I did open a car loan with GM Financial. The vehicle was totaled and there was a balance. The balance has been satisfied and the creditor is reporting it as a charge off/collection. I need this item removed IMMEDIATELY as it is negatively impacting my credit report and their money has been paid.
Product: Credit card or prepaid card

I received a prepaid debit card for a purchase I made from XXXX XXXX. The card is from XXXX and seems to be issued by XXXX ( in conjunction with Blackhawk Network ).

The card was misplaced and when I found it, it had expired about two months previous. When I tried to activate the card, it said it was expired, so I'm trying to get a new card. The card may be expired,  but the funds are not ( as it clearly says on their website ). I am unable to log onto the website to request a card, and their automated voice system also declines any attempt to access it. 

I would like a new card. This is the agreement on their website : XXXX XXXX XXXX   Specifically this section : Post-Expiration Card Issuance Fee The Card will expire on the date on the front of the Card. However, the funds do not expire. After expiration of the Card, you may request issuance of a card with the remaining balance, minus a card issuance fee that will be deducted from the remaining balance. The Card must have a remaining balance in excess of the card issuance fee to be eligible to request issuance of a card. For specific card issuance fees please see log in or see below.
Product: Debt collection

A unlawful attempt to collect debt from XXXX XXXX by this company true accord corporation
Product: Credit reporting or other personal consumer reports

I request the immediate removal of fraudulent information from my credit file. This inaccurate data, which should have already been deleted as it stems from fraud, continues to persist. Under FCRA Section 605, you are legally required to eliminate any erroneous records. I have previously submitted the necessary supporting documents, which I am resending for your reference. My attorney has been notified and is prepared to take legal action if this matter is not resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Congress finds there is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I am the authorized representative and original creditor on behalf of : XXXX XXXX XXXX Upon review of my credit report, I have noticed discrepancies in the information reported by XXXX, XXXX and XXXX. It appears that there are inaccuracies regarding the debts owed and listed on the consumer report. As the original creditor, I request a thorough and FULL investigation into these discrepancies and a FULL disclosure of the consumer files you have on record. In accordance to FCRA the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. ALL listed accounts are an invasion of privacy and extortion of credit. XXXX/Comenity BankXXXX XXXX is not in compliance with FCRA and are reporting inaccurate, unfairly and impartial information causing the consumer harm in extending credit and defamation of financial character. XXXX/COMENITY/XXXX, Date of Account XX/XX/2017, XXXX, I would like to receive the PROMISSORY NOTE connected to my student loan ( s ) in demand for accord and full satisfaction of the principal loan amount. Securitization of the assets was not disclosed to the consumer which would have essentially affected the consumers conscious decision making on the goods or services from XXXX. This would constitute Non Full Disclosure and unfair or deceptive acts or practices and a host of other violations listed below : FCRA SEC. 5 : unfair deceptive acts or practices 12 CFR 1026.13 15 U.S. Code Credit Billing : 1666. Correction of billing errors 1666a. Regulation of credit reports 1666b. Timing of Payments 1666c. Prompt and fair crediting of payments 1666d. Treatment of credit balances 1666e. Notification of credit card issuer by seller of return of goods, etc., by obligor ; credit for account of obligor 1666.f Inducements of cardholders by sellers of cash discounts for payments by cash, check or similar means ; finance charge for sales transactions involving cash 1666g. Tie-in services prohibited for issuance of credit card 1666h. Offset of cardholders indebtness by issuer of credit card with funds deposited with issuer by cardholder ; remedies of creditors under State law not affected 1666i. Assertion by cardholder against card issuer of claims and defenses arising out of credit card transaction ; prerequisites ; limitation on amount of claims or defenses 1666i-1. limits on interest rate, fee, and finance charge increases applicable to outstanding balances
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Debt collection

Bridgecrest Acceptance Corporation continues to harass me over an alleged debt, even threatening to repossess mg vehicle. I sent a debt validation letter to this debt collector on XX/XX/XXXX and the company has not provided all the information they were required to provide in order to continue to collect on this alleged debt. It is against the FDCPA for a debt collector to attempt to collect on a debt if they do not validate the debt within 30 days, it has been over a year and this company continues to harass me and cause stress in my life, and relationship. It is also a violation of the FDCPA to repossess a federally protected consumers property. On XX/XX/XXXX XXXX XXXX from Bridgecrest Customer Relations department admitted to committing fraud by stating they in-fact did send me a notice to repossess my property. That letter also states its an attempt to collect a debt, which violates the cease and desist notice sent to them on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

They said i have to wait the 2 years to let these inquiries drop and i dont think its fair that my info is shared with different companies for 1 mortgage
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, and so on.
Product: Debt collection

The company FAMS has withheld my XXXX Benefit formerly known as the NJ XXXX rebate as well as my New Jersey tax return. I was contacted by the fore mentioned collection company with a letter dated XX/XX/XXXX regarding an outstanding balance of {$16000.00}. The letter specified that I agreed to make payment arrangements with this company. I never agreed verbally or written notice to make any scheduled payments to this company and immediately notified my lawyer to contact the collection company on my behalf. Since my lawyer 's XX/XX/XXXX letter to this company, FAMS has not made an attempt to verify the debt as requested by the law firm. 

This year the Division of taxation mailed XXXX notices dated XX/XX/XXXX which indicates the collection agency has withheld my state refunds. I immediately contacted my lawyer regarding the matter and the law firm sent a second notice dated XX/XX/XXXX to the collection agency requesting they verify the debt. FAMS was in receipt of the law office 's letter on XX/XX/XXXX. To date FAMS has refused to respond to the XXXX and XXXX notifications sent to their office. I contacted the XXXX XXXX XXXX XXXX XXXX New Jersey on XX/XX/XXXX to inquire if any judgements were filed against me due to changing residence in XXXX of XXXX and possibly unaware of any notifications due to the move. The court clerk confirmed there was no " XXXX XXXX XXXX '' found in their system against me from FAMS. The court clerk also completed a state wide search and nothing was found. She also explained their database could confirm information from several years prior and there was nothing found in their database from XX/XX/XXXX to the present date. 

I also contacted the XXXX XXXX XXXX XXXX ( current county of residence ) immediately after contacting the XXXX XXXX XXXX XXXX and they as well confirmed there were no " Money Judgement Suits '' filed against me. 
FAMS is in clear violation of the Fair Debt Collection Practices Act ( FDCPA ) due to falsely indicating that I agreed to set up a payment arrangement with them in their XX/XX/XXXX letter. The collection company is also in violation due to not responding to notifications sent to them to attempt to resolve the matter. Lastly the collection company is in violation due to withholding monies due to me such as my State Income Tax Refund and XXXX Benefit without properly filing judgement with the Superior Court of New Jersey. 

I am requesting this company 's practices as well as this matter be investigated and action be taken against this collection company to receive monies due to me as well as their payment to me in the amount of {$1000.00} for violation of the FDCPA.
Product: Mortgage

On XXXX I was to appear in XXXX County Curt which I did The mortgage company is Wells Fargo, Wells Fargo had me do a XX/XX/XXXXmodification which I did and submitted to them. In XXXX sometime, governor XXXX did and executive order to stop foreclosures in process until XX/XX/XXXX the courts would re open .then. I was advised that my virtual court date was XXXX with Wells fargo and XXXX County court. Wells fargo approved and made an offer from XX/XX/XXXX-to XXXX, well in this time frame the courts were closed. Today I said I would like to take the offer made, The attorney stated form wells fargo that the offer is no longer valid, I stated this is not fair due to the pandemic how was I supposed to answer when everything was shut down due to executive order for XX/XX/XXXX. Then the Wells Fargo attorney stated that I need to re fill out application again and they may or may not except. I feel I am being taken advantage of during this pandemic and if they will not except my application I loose my home. I need help desperately. Is this legal that they can do this during a pandemic? how was I supposed to respond when courts shut down? Please help me I'm desperate. I can be reached by phone at XXXX or by e-mail at XXXX XXXX