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

On XX/XX/XXXX, I contacted Experian to dispute inaccuracies regarding the spelling of my name and to request the removal of outdated and incorrect addresses from my credit report. There were six instances of misspellings of my name, all of which were subsequently corrected. However, upon reviewing my credit report on XX/XX/XXXX, I found that all the misspellings had reappeared, along with inaccuracies. Additionally, only one of the outdated or incorrect addresses was removed. I am requesting the complete removal of all outdated and misspelled names, addresses, and phone numbers from my credit report. 

On XX/XX/XXXX, I submitted a dispute letter to Experian to address the incorrect spelling of my name and to request the removal of outdated or incorrect addresses from my credit report. My dispute highlighted thirteen instances of incorrect name spellings and eight addresses that were either outdated or not associated with me. While five addresses were removed and my name was updated, it is now inaccurately reflected on my credit report once again. I am formally requesting the deletion of all variations of my name from my credit report and that only my current address be reported.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three accounts on my credit report that are not mine I have tried disputing this with the bureaus and they are not helping me out with this I need these taken care of right away because it's causing me great stress and I dont want to get sick over someone elses mistakes. 

XXXX XXXX- Acct # XXXX Amt {$9600.00} XXXX XXXX XXXX - Acct # XXXX Amt $ - XXXX XXXX XXXX Acct # XXXX Amt $ - INQUIRIES XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I purchased furniture from XXXX XXXX in XXXX. It was financed for Tidewater Financial Services. It is interest free for one year. I am re-financing my home with an FHA loan and I have to close all my accounts that involve credit. I called Tidewater with someone from the mortgage company and Tidewater said that they are not permitted to close the account unless it is paid. the mortgage count has said this is very unusual. I then contacted Tidewater via a web chat and was told the same thing. Tidewater is one of the companies that will be paid off with the loan. They will not close it for me. I have read some reviews about the company and I see that a great deal of people have had similar problems. This is causing a hold up of my loan and will make
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm complaining AGAIN that I was a victim of identity theft with this. As per Fair Credit Reporting Act Section 605B ( a ), you must remove or block any items that were opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is unrelated to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$88.00} ; XXXX XXXX XXXX I ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX2025, I looked at my credit report, and noticed some inaccuracies. I sent a letter to Experian & Equifax asking them to investigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I sent letters certified mail & they did the investigation they sent back the information & said the accounts was verified. And according to the 15 USC 1681i ( 5 ) i see it states after any reinvestigation under paragraph ( 1 ) of any information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and has violated my rights. 

Resolution : Please update and delete these accounts XX/XX/XXXX # XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Reporting Agencies such as XXXX, Trans Union and XXXX purposely keeps old information on credit reports to ensure a low credit score with certain customers.Scores remain the same for years when improvements have been made on payments, opening of new accounts and lowering the amount of credit debt.This process delays the consumer from establishing a good credit score and it seems like a game is being played with the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX has violeted my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously mailed the attached letter below on XX/XX/15 and have yet to see any changes made to my credit file. Please review the attached letter I am providing which is pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft.
Product: Mortgage

Flagstar XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX We have been trying to send the attached documents to Flagstar we have faxed them in multiple times and they will not go through. I have this exact problem on another file, and this has been ongoing for the last several months with Flagstar on ALL our short sales with them. I have called in and attempted to get another fax number or an email address, and Flagstar has refused. 

Since their fax number has not worked for several months, the only way to get documents to Flagstar is to file a CFPB Complaint and attach the requested documentation. 

This is not acceptable and needs to STOP IMMEDIATELY. 

XXXX Flagstar currently does not have the ability to service their files and is in violation of their contractual servicing obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have visited a car lots multiple times and I only authorized them to run my credit once but they checked it numerous amount of times unauthorized. Which negatively impacted my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Not mine, Never authorized this account -XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

3 credit unions were given information supplied from me. This complaint is regarding a trade line on my crit report from XXXX XXXX XXXX. Please the attached letter from the credit union to delete the file. I am also attaching the envelope with post mark on XX/XX/XXXX.
Product: Debt collection

I am a victim of identity theft I have notified the Credit bureaus about this account being fraudulent I also sent a letter to National Service Bureau Inc to the address that the credit bureau had for them. They never noticed me about this fraudulent debt and just put it on my credit report. when i wrote them a letter it came back to me because the address they provided to the credit bureaus is wrong. They are knowingly and willingly reporting fraudulent information and have caused my credit score to drop.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received my consumer report and notice some unauthorized accounts reporting to my credit file. I have gone through ID theft for several years. This time my personal info was a part of a data breach with Equifax. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Accounts unauthorized : XXXX XXXX XXXX XXXX Unauthorized inquiries : XXXX XXXX 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 or other personal consumer reports

On XX/XX/2016 My information was used fraudulently to open a car loan with my personal information. The thief stole my info and opened this auto loan and I have not given anybody authorization, I dont know how my information was stolen, and I dont know who the thief might be. Please process a block on these accounts its outrageous!
Product: Credit reporting, credit repair services, or other personal consumer reports

I been emailing and reaching out to the company to cancel membership before it even starter. I also received and email from them confirming cancelation. And today I recieved an alert they decrease my credit score because they claim past due payment. The company name is Self.
Product: Credit reporting

i tried to add my comments to the specific dispute on my credit report on-line. when i tried i kept getting an error message. after XXXX phone calls i was finally told that I ca n't add my comments to an on-going investigation which seems crazy since i would think Transunion would want as much detail as possible to help resolve the situation. additionally, their comments section is limited to XXXX characters which is not very much. On my last phone call supervisor XXXX advised me that Transunion is having issues with their on-line service and that comments ca n't be added due to technical issues. he advised me to call back and that they would add my comments over the phone which i think is rediculous. i just want to correct my incorrect credit information and i have spent 2 hours doing something that should only take 15 minutes, and it 's still not resolved. I attached my complete and condensed version for your information in case you can forward either one to TransUnion. the edited version is what i tried to attach to their on-line service due to their character limit.
Product: Checking or savings account

A transaction occurred in XXXX that was not performed by me. That transaction occurred in the local supermarket I always go to. I only made {$6.00} shopping that day. However, when I checked my bank account, a {$130.00} purchase was made on the same day, from the same market, at the same time. Of course, I went to the supermarket instead of calling the bank to talk first. Because my debit card was still with me, there was no theft, just extra money was taken without my authorization. When I spoke to the XXXX of the market, he looked at all the transactions about that day and the previous day and even gave me a document. There is no such amount in their system. Only the {$6.00} amount I actually shopped for was visible. As a matter of fact, I found the care by calling my bank. A few days after making the announcement, they deposited the money back, but after their extra investigation, they took the money back from me. When I asked why they took it back, they explained that they did not see it as a fraud in their system. Yes, my card was not stolen, but I did not make this transaction, when I asked if it would not be considered fraud, it was rejected again. I went to talk to the market again and they checked the transactions on my behalf for me again for that month, but only the purchases I made in previous transactions which are correct. Citizens Bank did not help me at all, I had XXXX accounts, XXXX was the account where I saved my money, and I took all the money from there and transferred it to another bank. At the same time, I kept a police report. Because I am a real victim. If I wasn't a student, I would go to court if I had the opportunity, because I don't want to let go of this, but I can't afford to hire a lawyer or pay the court costs. All I want is for my bank to deposit back the amount of the transaction ( {$130.00} ) made without my consent. Whether the amount of money is small or large, these people 's money is earned by working hard. I do not want to let these efforts disappear so quickly in the system. Please do not ignore this request. This is the only path I can apply for help!
Product: Debt collection

The debit agency provided the document attached, however, it does not show anything " XXXX XXXX and XXXX XXXX '' can collect on the alleged debt. Thank you for providing the original contract with XXXX XXXX. However, this does not demonstrate XXXX XXXX and XXXX XXXX has the legal right to collect the debt. If you can not provide that information, I request that you cease collection efforts and remove this debt from my credit report by the Fair Debt Collection Practices Act ( FDCPA ) specifically 15 U.S.C 1692 ( XXXX ) and ( f ). As a consumer, I have the right under the FCRA to dispute inaccurate or unverifiable information on my credit report. 

XXXX XXXX and XXXX XXXX have not been assigned collection rights, attempting to collect violates these provisions. XXXX to do so with my consent is considered an unfair practice under XXXX. Failure to provide documentation ( purchase agreement, bill of sale for XXXX XXXX and XXXX ) of ownership or authorization to collect can lead to violations of the FDCPA and state laws, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

According to CFPB 1006.34 Notice for validation of debts did not provide me with a proper validation of information required by law. For this account on my consumer credit report file. XXXX XXXX Account : # XXXX, XXXX. 
WHERE IS THE PROOF OF THIS INFORMATION? 
According to CFPB 1006.34 Notice for validation of debts ( a ) Validation information required. 
( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.

( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ).

The Official interpretation of 34 ( c ) ( 1 ) Debt collector communication disclosure.

1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ). The following example illustrates the rule :
Product: Payday loan, title loan, or personal loan

Title loan company is not allowing me to pay off my loan not giving me a payoff stalling steering me into hardship raising my interest rates because I can't make my payment on time because of covid-19 devaluing my property by slamming my credit and raising my interest rates now my property is worth nothing sent me into hardship andharassment on the phone not ever giving me a monthly statement nor telling me they're doing inquiries on my credit absolutely everything is verbal this company is running extortion on me and extorting money by threatening me for repossession of my vehicle.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my XXXX XXXX and financial reputation.
Product: Checking or savings account

I am writing to formally report a concerning incident that took place during a phone call with Chime Bank, which involved inappropriate conduct by two employees and a highly unethical suggestion of committing check fraud. 

On XX/XX/XXXX at XXXX XXXX, I called the customer service line. During this call, I encountered two employees whose behavior was not only rude but also highly unprofessional. 

The details of the incident are as follows : Rude Conduct by Employee " XXXX '' : The first employee I spoke with identified himself as " XXXX ''. When I expressed that he was being very rude and asked to speak with someone else, he yelled at me and refused my request, stating, " You can hang up and call back but I am not connecting you to someone else. '' When I asked for his full name and how to spell it, he sarcastically responded, " XXXX, you never heard of the letter XXXX before? '' Dismissive Behavior and Suggestion of Check Fraud by XXXX XXXX : Due to the unprofessional conduct of " XXXX '' and being hung up on. I was connected with XXXX. I explained my situation, stating that I was not informed it would take my check five business days to clear and requested that they cancel the deposit or release my funds. XXXX responded dismissively and suggested that I " take my checks and deposit them at another bank while I wait. '' Shocked by this suggestion, I asked if he was telling me to commit check fraud, to which he paused and said, " I don't think so. '' Due to the rudeness and illegal suggestion, I started laughing in disbelief, to which XXXX angrily asked, " Why are you laughing? '' I explained that I was shocked he told me to do something illegal. He then snapped, " You can either wait XXXX business days or you can deposit the money at another bank while you wait, but we wont be cancelling your check or giving you the money today. '' I am a long-standing customer of Chime bank, and I expect to be treated with respect and integrity. The behavior I experienced is entirely unacceptable and undermines my trust in their institution. 

I request the following actions be taken : A thorough investigation into the incident and identification of the employees involved. 
Appropriate disciplinary action against the employees for their conduct. 
Assurance that such incidents will not occur in the future, along with measures to prevent similar occurrences. 
A formal apology from the bank for the distress and inconvenience caused by this incident. 
Please acknowledge receipt of this complaint and inform me of the steps that will be taken to address this matter. I look forward to your prompt response and resolution. 

Thank you for your attention to this serious issue. 

Sincerely, XXXX XXXX
Product: Consumer Loan

I have 30-day late marks on my credit report for XX/XX/XXXX and XX/XX/XXXX. I reviewed my payment history with Santander and noticed that I made payments in both XX/XX/XXXX and XX/XX/XXXX. I called to get this corrected and they stated, " We do not do that. '' In addition, my account balance has only decreased by under {$100.00} since I got the loan back in XX/XX/XXXX. Santander could not give any detailed information as to why.
Product: Debt collection

I would like to report a concerning discrepancy between my payment made in full to XXXX XXXX XXXX XXXX debt collections service company, Sunrise Credit Services, and lack of payment confirmation from XXXX XXXX XXXX. My credit report incorrectly indicates that my {$8500.00} XXXX XXXX XXXX debt was, " charged off. '' This information is incorrect as I provided my account number and my bank 's routing number to Sunrise Credit Services with the understanding that they would pay off my debt, update the credit report and expeditiously notify XXXX XXXX XXXX of my payment status. XXXX XXXX XXXX provided me with a secure credit card after enduring a difficult and unexpected financial period. Unfortunately, during the XXXX pandemic, I fell victim to identity theft, cybercrimes, and fraud. I keep in contact with XXXX XXXX XXXX to ensure I upheld by my customer responsibilities, and integrity as a loyal law-abiding consumer. For the record, the XXXX XXXX XXXX team was accommodating, and provided me with options to resolve the unprecedented dilemmas that arose during the COVID-19 pandemic. For security purposes, I closed the account with the intention of reopening an account at a later date. On XX/XX/2022, I happily made a payment, in full, to XXXX XXXX XXXX, through the debt collections service company, Sunrise Credit Services www.sunrisecreditservices.com, XXXX. On XX/XX/2022, Sunrise Credit Services withdrew the total amount of {$8500.00} from my checking account. I felt the weight lifted off my shoulders and was relieved I finally paid off my debt to XXXX XXXX XXXX. Unfortunately, to date, my payments to XXXX XXXX XXXX via Sunrise Credit Services are still not reflected on my XXXX XXXX XXXX account, nor have been updated on my credit report. My credit report incorrectly indicates that my XXXX XXXX XXXX debt was, " charged off, '' which is false and derogatory information on my credit record. I provided my account number, routing number and payment in full, via phone to XXXX XXXX at Sunrise Credit Services. I am concerned my payments were misappropriated.