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

I am formally disputing and requesting the prompt removal of fraudulent accounts from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission. 
The bank has accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which has been mistakenly existing on my report for over five years. 

But somehow, this fraudulent accounts are still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting these fraudulent accounts since the submission of the required documents. 
Additionally, I have reached out to the bank associated with the fraudulent accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud accounts on my credit report since XX/XX/ 2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
5. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 
7. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 
8. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 
9. Identity Theft XXXX XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 
10. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 
11. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Debt collection

On XXXX XXXX I noticed on my credit report that a collection charge of {$1700.00} was placed against me by Reliant Capital Solutions on behalf of the XXXX XXXX XXXX XXXX According to their records, this charge is associated with an account that I am alleged to owe. However, this claim is erroneous, as I have never attended the XXXX XXXX XXXX XXXX  The criminal used my maiden name, XXXX XXXX, and Social Security number. This incident has affected my credit, I trust that this matter will be addressed promptly.
Product: Debt collection

Disputed with Equifax for accuracy on report, sent letter requesting accuracy. Their investigation did not fix the error on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2022, I request that my information be checked because of some suspicious activities. I reported this information to Synchrony Bank for my Lowes XXXX card, Discount tire and Rooms to go. Someone has committed fraud on my account. Using the consumers to create and purchase item under my name.
Product: Debt collection

I recently received a copy of my XXXX consumer report and I noticed a collection posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ).
Product: Debt collection

I have a CFPB complaint against this company pending. That compliant has not been responded to by the original creditor and XXXX XXXX has continued to call me. which at this point is harassment.
Product: Debt collection

I diluted this with the credit consumer reporting agencies in XX/XX/XXXX, I also disputed this directly with XXXX and no response. XX/XX/XXXX AXXXX XXXX XXXX XXXX Im confused as to why this is on my report. I never had an account with them and they never sent me anything in the mail. This company has failed to respond. Its charged off and they sold this debt. They have not said to who? They have not answered disputes. They have not sent me any information XXXX XXXX XXXX XXXX High Balance : -- Last Verified : -- Date of Last Activity : -- Date Reported : -- Date Opened : -- Balance Owed : -- Closed Date : -- Account Rating : -- Account Description : -- Dispute Status : -- Creditor Type : -- Account Status : -- Payment Status : -- Payment Amount : -- Last Payment : -- Term Length : -- Past Due Amount : -- Account Type : -- Payment Frequency : -- Credit Limit : -- Two-Year Payment History XXXX NONE REPORTED {$3200.00} -- -- -- missing incomplete XXXX XXXX Account XXXX -- XXXX account number XX/XX/XXXX -- XX/XX/XXXX -- XX/XX/XXXX -- {$3200.00} -- -- -- missing incomplete Derogatory -- Individual -- Account not disputed -- Sales Financing -- Closed -- Collection/Chargeo! -- {$0.00} -- XX/XX/XXXX -- 12 Month ( XXXX ) -- {$1400.00} -- XXXX -- -- -- missing incomplete information {$0.00} -- Past due amount/balance owed/date of activity is the past the date the date of last paid/missing incomplete inaccurate payment history/last payment/last balance
Product: Debt collection

On XX/XX/XXXX, Portfolio Recovery Associates, alleged I owe on an alleged account with XXXX XXXX. I responded with a debt validation notice, disputing the account and balance, and requesting documents from the original creditor, transfer of debt, and other information within thirty days, or to delete this account. My request was received, via certified USPS ( XXXX ), signed for by XXXX XXXX, on XX/XX/XXXX. On XX/XX/XXXX, Portfolio Recovery Associates, did respond. However, no requested materials, or attached documents were provided whatsoever, only a statement from Portfolio Recovery 's Disputes Department. On XX/XX/XXXX, I again reached out to Portfolio Recovery, via certified USPS ( XXXX ), signed for by XXXX XXXX, on XX/XX/XXXX, stating their prior response was unsatisfactory, and again demanding materials. Portfolio Recovery never responded. Please see the attached documents and receipts.
Product: Credit reporting or other personal consumer reports

I contacted each of these banks, and they confirmed they can not assist in reaching out to the credit bureaus because these were applications that were never processed into accounts. Additionally, the applications are beyond their 30-day record retention period, so the banks no longer have any records of them. 
I have also filed a police report regarding this matter ( Report Number : XXXX ) to document these concerns. 
They took a loan on my name with another bureau like XXXX. I see a loan that they have taken. That is why I took the matter to the police station. I was trying to reach out to support to remove these inquiries because I was a victim of identity theft. 
Inquiry from XXXX XXXX on XX/XX/year> : Multiple inquiries from this entity appear on the same day, All these are unauthorized. 


Inquiry from JPMCB CARD on XX/XX/year> : I do not recognize this lender, and I did not authorize any hard inquiries from them. 


Inquiry from XXXXXXXX XXXX on XX/XX/year> : I do not recognize this lender and did not authorize a hard inquiry. 


Inquiry from JPMCB CARD on XX/XX/year> : I do not recognize this lender, and I did not authorize this inquiry.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 card or prepaid card

For years XXXX offered {$19.00} per year membership, then on the renewal bill the charge was {$54.00}. Naturally this increase was not acceptable and XXXX was called multiple times to cancel, but they did not answer the phone but routed to automated system. On XX/XX/XXXX I called and after over 5 minutes when no one picked up, I hung up and then sent an email. Since the previous year was paid with a Capital One credit card that EXPIRED in XX/XX/XXXX, logically no new {$54.00} charge would be authorized. How very wrong was that conclusion. After receiving a Capital One statement with the XXXX {$54.00} charge, XXXX was called again and finally they answered the phone. I confirmed that I wanted to cancel, and I was told the {$54.00} would be refunded back to the Capital One card. On XX/XX/XXXX I called Capital One to dispute the {$54.00} charge. When Capital One contacted XXXX, they were told the {$54.00} charge was valid! XX/XX/XXXX XXXX had processed a paper check, which when it was delivered, I called XXXX  and told them that I did not have a local bank and that the check would be shredded. XX/XX/XXXX I spoke with XXXX in XXXX membership relations and repeated the same information that the card was expired, the membership was cancelled, XXXX promised a refund on the credit card and instead a paper check was issued. She said that because the card was expired, the refund credit would not process. XX/XX/XXXX Capital One again reinstated the {$54.00} charge on the account with a due date of XX/XX/XXXX. XX/XX/XXXX Capital One was told to activate the credit card, even though it was made clear since XXXX that I did not want to continue doing business with Capitol One. Capital One promised to contact XXXX and verify the card was activated and the {$54.00} charge could be refunded. XX/XX/XXXX I called XXXX at XXXX and they hung up on me! I called back and again spoke with XXXX and again explained the entire situation. She said she would have her supervisor call me. At XXXX I received a call from XXXX  employee who proceeded to tell me XXXX  would only process another paper check. She flat out refused to take the credit card information to process the refund on the credit card. Capital One is complicit in this situation for allowing a {$54.00} charge to process on an expired card, manipulating the activation on the expired card, and then payment for a disputed charge.
Product: Mortgage

A loan we have is serviced by Shellpoint Morgage Servicing. Shellpoint put a loan in forbearance that we never asked to have in forbearance. They cancelled my autopay, and then when the payments were late they reported it to credit bureaus which is now preventing me from getting other loans. I have contacted them dozens of times and they are opaque and unwilling to help. I have all the documentation in the world telling them they made a mistake, pleading with them to help. To this day I can not setup autopay that they cancelled and pay manually every month.
Product: Debt collection

XX/XX/XXXX, I still owe over XXXX on my report from Radius Global Solutions This company kept on harassing me with non stop phone calls and I hung up because I am so XXXX tired of them calling me repeatedly and it is just a non stop daily basis, well almost daily.. This company has got ta stop, I already tried to dispute and need the federal Government to help me with this dispute under my rights under the F.C.R.A ( Fair Credit Reporting Act ) Section 1006.14 ( a ), which implements FDCPA section 806 ( 15 U.S.C. 1692d ), sets forth a general standard that prohibits a debt collector from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/25 I received a response from CFPB stating said company ( Experian ) stated they do not recognize me as their consumer or authorized representative ( reference complaint ID # XXXX ).
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX , DC XXXX Subject : Complaint Against XXXX XXXX XXXX for False Reporting Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against XXXX XXXX XXXX regarding their misleading communication and failure to accurately report my account to credit reporting agencies, in violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/scrub> 2025, I received a letter from XXXX XXXX XXXX stating that they had updated and reported my account to all credit reporting agencies. However, upon contacting their customer service on the same day, I was informed that my account had not been reported, and I was advised to reach out to TransUnion for clarification. 

Following this interaction, I contacted TransUnion, which confirmed that XXXX XXXX XXXX had not verified or reported my account information. TransUnion 's response explicitly stated that they could not reinstate the account on my credit report because the information from XXXX XXXX was not verified, highlighting the inaccurate claims made by XXXX XXXX. 

The failure to report this credit card account has not only misrepresented my credit history but has also significantly shortened my credit history. A longer credit history is crucial for maintaining a favorable credit score, and the absence of this account is negatively impacting my overall credit profile. 

This situation raises significant concerns as it appears that XXXX XXXX XXXX knowingly provided false information regarding their reporting activities to both me and the credit reporting agency. According to Section 623 ( a ) of the FCRA, it is a violation for creditors to furnish inaccurate information to consumer reporting agencies. By falsely claiming to have reported my account, XXXX XXXX XXXX is not only misleading consumers but also violating federal law. 

The implications of such actions can be severe, including potential damages, fines, and attorney fees for affected consumers. I urge the CFPB to take action against XXXX XXXX XXXX  for their misleading practices and to hold them accountable for their violations of the FCRA. 

Thank you for your attention to this matter. I hope for a prompt investigation and resolution regarding this issue. 

Sincerely, [ Your Name ] [ Your Signature ( if sending a hard copy ) ]
Product: Mortgage

Mortgage was approved for 2MP program in conjunction with my current and in good standing HAMP modified primary mortgage. Instead, the bank sold loan without any notification to borrorlwer while the loan was supposed to be in the process of modification. As per HUD 2MP program. Loan was " lost '' for two years with no communication even attempted with the borrower during that time. Borrower did escrow modified payments on her own, believing that the loan was being modified as was promised by lender. Loan re-surfaced 36 months late with a new servicer who had made no communication attempts with the borrower, already in foreclosure with a sheriffs sale scheduled. Please help. This is our home and where we are raising our children. please help us get what HUD already assured us was in the process of being done.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act several companies have violated my rights.

15 USC 1681 Section 602 States that I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Mortgage

My complaint is that I am a victim of XXXX XXXX 's Great Foreclosure Fraud with Specialized Loan Servicing LLC to foreclosure on my property. Plaintiff A copy of the Order to Docket suit is attached to this complaint. I have lived in the property for 22 years and have been fighting this corruption and fraud since 2006 when the mortgage documents were presented to me. I have detailed the truth in such scandalizing description highlighting the corruption, fraud and intentional deception perpetrated on the American homeowners, Maryland 's Civil Court, and myself by XXXX XXXX banksters, Specialized Loan Servicing LLC, Loan Servicing Companies, and the Plaintiff in my Motion to Dismiss Order to Docket suit with Prejudice as attached with this compliant to CFPB. With my Motion to Dismiss Order to Docket suit with Prejudice, I identify those parties, challenge assignments or transfer of a mortgage note and of deed of trust by a pool performance of my Mortgage loan securitization documents. With my motion I take to force each party to prove a chain of assignment and their legal standing to collect payments and foreclose on my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX ) and the Creditors ( Bankruptcy Chapter XXXX, TN XXXX, and XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately
Product: Credit reporting or other personal consumer reports

Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX | XX/XX/2023 : Account number : N/A, Inaccurate. Delete or fix the information on the account detail section. 

XXXX XXXX XXXXXX/XX/2023 : Account number : N/A, Inaccurate. Delete or fix the information on the account detail section. 

XXXX XXXX XXXXXX/XX/2023 : Account number : N/A, Inaccurate. Delete or fix the information on the account detail section. 

XXXX XXXX XXXX XXXXXX/XX/2023 : Account number : N/A, Inaccurate. Delete or fix the information on the account detail section. 

XXXX XXXX XXXX XXXXXX/XX/2023 : Account number : N/A, Inaccurate. Delete or fix the information on the account detail section. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX