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

The negative balances reporting on this Experian consumer report have already been discharged under Article 3 of the UCC. Discharged instruments should not be reporting any outstanding balances on these accounts ; under 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), consumer reports by definition are not to include any transactional amounts between the furnisher and the consumer of the report. I would like to dispute the validity of these accounts under 12 CFR 1022.43 of the CFPBs regulation of the Fair Credit Reporting Act.

Additionally, a proper privacy notice has not been provided by Experian regarding these accounts under 12 CFR 1016.1. I would like to request a proper opt-out form or use this CFPB complaint to opt of these items from reporting to this Experian credit profile as a privacy request under the FTC Safeguards Rule of the Gramm Leach Bliley Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with Experian for the last 6 to month about many items on my report. Many of the items were removed by the other reporting companies. But every investigation comes back verified. Well this time on report for XX/XX/XXXX Experian explained they would no longer RE-INVESTIGATE the items and gave me the numbers and address. I called and spoke to a few and sent letters to the rest. Well, one of the items in question stated that they do not give information to 3rd parties or report to credit companies, and note that this item has been this report since XX/XX/XXXX. ( When disputed with the other reporting companies was removed in 30 days ). Next, the next two items was disputed atleast times and came back from Experian VERIFIED and will not re-investigate, yet again no reply from one collector after sending 2 letters for validation and verification. the 3 company sent something back saying they cant locate NO INFORMATION, as of XX/XX/XXXX.
Product: Credit reporting

My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 
XXXX XXXX/XXXX/XXXX Medical And Health XXXX XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX XXXX/XXXX/XXXX I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit.
Product: Debt collection

XXXX XXXX, who states works for the collections company, has been harassing me and my family members with numerous phone calls. He contacted my place of work about six times within ten minutes. He contacted my cousin twice, my sister four times, and my brother twice. He then called my cell phone again three times in a row. He told my sister that he was going to file a lawsuit against me for check fraud which is completely false because I have not committed check fraud. I called and left him a voice mail message to please not contact me at my place at work and stop calling my family members. He continues to harass my family members with numerous phone calls telling them all that I am being sued for fraud.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing in reference to the recent response of XXXX, Experian and XXXX to my CFPB complaints, dated XX/XX/2024, regarding the status of certain accounts on my credit report. It was indicated that the following accounts were verified on their end but are unverified and incorrect to other Consumer reporting agencies. 

As you can see, their information were inconsistent and doesn't match with each other despite obtaining all their records from the same person or entity or creditor. 

XXXX XXXX XXXX - Account # : XXXX- Same Inconsistent Details XXXX  XXXX XXXX XXXX XXXX XXXX  ) - Account # : XXXX - Removed in Experian and XXXX XXXX XXXXXXXX XXXX XXXX - Account # : XXXX - Removed in XXXX on XXXX Given that the other major credit bureaus have acknowledged and acted upon the removal of the mentioned accounts, it raises questions about the accuracy and thoroughness of the verification process. I need detailed information on how these reporting agencies validated the authenticity of these accounts. 

I am eager to resolve these discrepancies promptly. It is crucial that my credit report accurately reflects my financial standing. If there are inconsistencies or errors, I kindly request that they must reevaluate thoroughly the verification process for the mentioned accounts and consider their removal. 

Thank you CFPB for your assistance, as always, you have helped me on how to resolve all of these incorrect reports. 

Respectfully, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of multiple accounts on my credit file. 
Upon thorough review, I have identified numerous violations of XXXX XXXX guidelines and the Fair Credit Reporting Act ( FCRA ) across the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  The identified violations are outlined below for each account, and I demand immediate investigation and rectification of these issues. 
Account XXXX XXXX XXXX  XXXX Account Number : XXXX Violations Identified : 1. Late Payment Inconsistencies : The account reports conflicting 30, 60, 90, and 120-day late statuses without supporting payment data, violating FCRA Section 607 ( b ) ( accuracy requirement ). 
2. High Balance vs. Past Due Discrepancy : The high balance of {$3300.00} is reported without corresponding past due amounts, creating misleading and incomplete information. 
3. Missing Closure Date : Despite reporting severe delinquency, the account lacks clarity on whether it is active or closed, violating XXXX XXXX closure reporting requirements. 
4. Incomplete Reporting : Critical fields ( e.g., last payment date, payment frequency, term length ) are blank, breaching XXXX XXXX completeness standards. 
Account XXXX : XXXX Account XXXX : XXXX Violations Identified : 1. Erroneous Payment History : Payment history reflects 30, 60, and 90-day late payments without corresponding dates or amounts, violating XXXX XXXXXXXX accuracy guidelines. 
2. Conflicting Closure Information : The closure date of XX/XX/year> conflicts with reports of recent late payments, creating inconsistency. 
3. Misclassification : The account type " Miscellaneous Home Furnishings '' is mismatched with the revolving credit structure, breaching XXXX XXXX classification rules. 
4. Incomplete Fields : Numerous missing data fields in Experian reporting violate XXXX XXXX completeness standards. 
Account XXXX : XXXX Account XXXX : XXXX Violations Identified : 1. Inconsistent Reporting Across Bureaus : Payment history, balances, and account statuses differ significantly between Experian, XXXX, and XXXX, violating XXXX XXXX uniformity principles. 
2. Erroneous Late Payment Data : Reports of late payments ( 30, 60, and 90 days ) lack corresponding past due amounts or dates, creating misleading information. 
3. Dispute Resolution Misreporting : The account is marked as Dispute Resolved, yet I have received no investigation results, violating FCRA Section 611. 
4. Payment Frequency Mismatch : The payment structure is inconsistent with the account type ( credit card ), breaching XXXX XXXX reporting standards.
Product: Checking or savings account

After being on the phone for over an hour to make complaints in regards to US BANK NATIONAL ASSOCIATION [ XXXX XXXX and XXXX XXXX lack of due diligence and oversight in regards to account and Discriminating against the equal credit opportunity act kindly requested for US BANK to refund the overdraft fees that the account has suffered for far too long and was denied by XXXX whom failed to provide any other information to the supervisor who made this decision on XX/XX/2025 at XXXX.
Product: Consumer Loan

I have been dealing with Chrysler Capital For months trying to get this taken care of. I 've spoken to many supervisors one was named XXXX. One was named XXXX. They never would call me back then I got transferred to the office of the president again, we will call you back nobody calls me back. I 'm having so many issues and they have tons of notes in the system on me but yet today I get a pay or were going to repossess your vehicle letter but yet they have not answered me on my issue and I do n't know what to do because I asked him to change my payment plan. So, I 'm waiting for them to answer me and get back to me and then I get this nasty letter. It has been months and I am so fed up. They have all the notes in their system and they even pulled some of the calls were I told him what I was told and they agree I was told that they could change my payments and yet here I am still waiting months later.
Product: Credit reporting or other personal consumer reports

There are unauthorized credit inquiries on my credit report that I did not make 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 card or prepaid card

I got an American Express Server Prepaid Debit card based on the great things my husband said about them as an alternative to regular banking. I was planning to use it for some bill paying, and as a way to keep a little side savings account, with liquidity options in case an emergency might rise and I 'd need cash ( my bank has very small limits for our debit cards ). I 've seen my husband use his once when we were on vacation and wanted to buy some local crafts whose vendors would only accept cash, and he showed me how the Serve Card lets you withdraw {$750.00}, which is almost three times more than my bank debit card allows ( we live in a small town, and use a local independent bank, well, credit union really. I had n't used it that much, but began using it a few months ago, when, much to my surprise, they all of a sudden told me my card had been canceled, and not two days later my husband 's was canceled as well! He called American Express and spoke with someone, who told him that his card had possibly been involved in some fraudulent activity, and so his card had been shut off. He can describe it better, and he just submitted a claim for his card as well. I was too upset to call them, I had almost eighteen hundred dollars on that card! We had to borrow some money for our vacation last week due to the money that Amercan Express is withholding from us, and we most certainly did n't commit any fraudulent activiy with our usage of our cards! He ( my husband ) says we should contacty you and your agency to get help with at least getting our ending balances back. I 'd like them to re-instate my card also, how long does it take to find nothing? Sincerely, XXXX XXXX
Product: Debt collection

The aforementioned credit collection agency representing XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains this debt. This account is unverified and immediately needs to be deleted from my all credit files - XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I previously notified Transunion that I am a victim of identity theft there is still fraudulent items on my Transunion credit report
Product: Checking or savings account

I deposited my check into my account from my work almost XXXX weeks ago and they still have not released the funds and they said that they would be available on XX/XX/XXXX and they are still not available and whenever I call they just tell me that theres delays and thats all I get! I keep asking them for help to get my money and all they say is its not available or its been delayed. Its been XXXX weeks!!!
Product: Credit card or prepaid card

I extended my credit more oncewith AMERICAN EXPRESS COMPANY ( AMEX ) and they received consideration for this transaction. In return I received an adverse action letter saying i was denied the use of credit i already extended now showing a pattern of actions that are adverse to me. 
The agreement I was provided never had an option for me to opt-out and maintain my private non public personal information from being shared with consumer reporting agencies pursuant to the XXXX XXXX XXXX XXXX. The terms in the transaction that i applied for online is an agreement that is contrary to public policy. The agreement they had me fill out online is proof that this transaction would be complete only, if I would agree to an extortionate extension of credit. it was undue influence that made me complete that unconscionable agreement that i filled out because i was left with no other options. The online agreement was prepared long before i decided to extend my credit with AMEX. I should have been provided any kind of contract as those intentional actions violates the XXXX XXXX XXXX outlaws any contract, conspiracy, or combination of business interests in restraint of foreign or interstate trade. this agreement allowed unjust enrichment.
Product: Money transfer, virtual currency, or money service

I purchased an expensive lens from the XXXX marketplace on XX/XX/XXXX, for XXXX USD. The guy looked legit on XXXX, so I pay via XXXX on the Bank Of America app and got a tracking number. I waited and never received it. The seller never contacted me back, and I call XXXX and the tracking number was a different delivery address but the same area code. It was girl scout cookies. I Was Scammed, and they had someone on the inside of XXXX providing fake tracking numbers. I immediately called Bank of America for the Scam and filed a report. After many phones call to get updates on the Scam report after almost A month, and going into a budget after loosing so much, I finally received a final answer. That Bank Of America will not refund my stolen money. I called them to find out why they chose not to, after being a ''loyal customer since XXXX '' as all the operators say to me. They explained to me they contact the scammer, and tell them to refund the money back, and occasionally they do, and many times they don't. Such a weak customer protection service. But also the scammers were smart, they had someone on the inside of XXXX to stall long enough with a real ''fake '' tracking number long enough for the transaction to fully pass. By the time the Expensive lens was supposed to arrive, 7 days have passed from shipping it from XXXX to XXXX XXXX. I demanded I will not leave empty-handed To BOA customer services, but there was nothing they can do. They suggested contacting the FBI and Police report, but what good will they do when the scammer has been located to be a XXXX scammer, has international borders away, and is currently in a proxy war with XXXX right now. That will only waste more time, out of the hard-earned money I've been saving for almost 6 months. I hope this report will bring the attention of the stolen funds I rightfully deserve back, I thought I could Trust Bank Of America as everyone in my family use them for many years, including my parents for at least decades. But turns out that when it comes to scams they can protect me or honor my stolen funds. Now I have doubts about my bank in taking out future loans with them for a mortgage, or a car now. No protection
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer XXXX credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. Account name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Account name : XXXX XXXX Date opened : XX/XX/XXXX Account name : XXXX XXXX Date opened : XX/XX/XXXX Account name : XXXX card Date opened : XX/XX/XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion due to their unauthorized collection, storage, and dissemination of my personal information without my explicit consent. I have recently reviewed my consumer report and identified inaccuracies that adversely affect my financial standing. As this is my first official communication regarding this matter, I am submitting this complaint through the CFPB as a formal notice of dispute. 

TransUnion I am filing this complaint against TransUnion due to their unauthorized collection, storage, and dissemination of my personal information without my explicit consent. I have recently reviewed my consumer report and identified inaccuracies that adversely affect my financial standing. As this is my first official communication regarding this matter, I am submitting this complaint through the CFPB as a formal notice of dispute. 

TransUnion has failed to ensure the accuracy of my consumer report, violating my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. I demand immediate investigation and removal of any incorrect, misleading, or unauthorized information from my file. 

Additionally, I will be mailing a physical copy of my formal affidavit and adhesion contract to TransUnion executives detailing these violations. I request a prompt response acknowledging receipt and outlining the corrective actions to be taken. If no resolution is provided, I will escalate this matter accordingly. has failed to ensure the accuracy of my consumer report, violating my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. I demand immediate investigation and removal of any incorrect, misleading, or unauthorized information from my file. 

Additionally, I will be mailing a physical copy of my formal affidavit and adhesion contract to TransUnion executives detailing these violations. I request a prompt response acknowledging receipt and outlining the corrective actions to be taken. If no resolution is provided, I will escalate this matter accordingly.
Product: Mortgage

I have tried almost a dozen times to get a hold of someone with my mortgage company. I press 4 for information on taxes and have waited over 4 hours on hold to speak to someone each time, and even 6 hours once before giving up. There is no way to leave a message and tbe automated voice says you can press 1 to hold your spot in line and they will call you back, but they never do. I've sent various emails asking to be contacted to ensure escrow pays for the property taxes and they have made no attempt to contact me in any way or even email me back. 
This is an ongoing issue and once interest rates drop again, I will be finding a new mortgage company asap. Village Capital is horrible
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquiries on my report. I previously filed a police report and FTC report for Identify Theft and these inquiries are a result of the identity theft. I do not know what these inquiries are for and I did not authorize them. Here is a list of unauthorized inquires. 
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: Debt collection

I received a called from this company, They say a Attorney that was in charge of this account was ready to file, if no payment was made. 
I send a request to this agency for a Validation of the account since they are not the original creditors and I request a break down of fees and they fail to provide proper documents and or prove for there claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Credit account for XXXX XXXX XXXX sold to collection agency transworld.. account is a business lease and reported on my personal credit. Asked to be removed! This was affected due to the pandemic, company used XXXX profiling and verbal abuse to collect money for debt! Transworld called to collect and was harassing me constantly when I informed this is a business account
Product: Debt collection

In XX/XX/2022, I received notice via XXXX and XXXX of a collections account on my credit report. I contacted XXXX and reviewed my XXXX credit report to find a past due bill with XXXX reported in my name in the amount of {$1000.00}. 
At that time, the collections account was managed by : ( I also contacted the collection Agency on XX/XX/2022 at XXXX speaking with a XXXX XXXX the first time and XXXX XXXX the second call. ) XXXX XXXX XXXX XXXX Amount of debt : {$1000.00} On XX/XX/2022, I received notice via XXXX that the dispute was resolved and the debt removed. 

Today, XX/XX/2022, I received a notification via the mail from Credit Collection Services ( XXXX ) Date : XX/XX/2022 Amount of debt : {$1000.00} I called Credit Collection Services to start a dispute but decided not to speak with anyone or enter my information as I believe this to be a scam. I will file another identity theft report with the FTC and local law enforcement. I will send a certified letter to the collection agency. I placed a credit freeze on my information last year and again in XXXX. I am so angry that the elderly are targets for this type of fraud. 

A legitimate collection agency should vet all of the collection accounts they assume responsibility for to include inquiring as to whether or not the debt was reported as fraud or identity theft otherwise, ( the collection agency ) is just another part of the problem. However, I do not believe this to be a legitimate company. The bill from Credit Collection Services was addressed to me by my maiden name... I am over XXXX and have been married for decades. According to XXXX XXXX who originally reported the ( fraudulent ) account as passed due, the account was opened in my legal ( married ) name.
Product: Debt collection

I have disputed the company XXXX XXXX XXXX XXXX XXXX several times because this was an alleged debt and I had no knowledge of ever doing business with this debt collector or the company they mentioned as an original credit ( XXXX XXXX ). I have spoken with both parties and told the same thing. 

I have filed an FTC report which I will attach so this is removed from my consumer report immediately. This incorrect information has damaged my consumer report and is a violation of federal regulations.
Product: Checking or savings account

Whenever I had a problem with Cash app, it was always a problem because I couldnt talk to customer service there was no customer service and it was hard for me to cancel my account