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

I request that the following inaccurate items be immediately removed from my credit files. They must be removed in order to show my true credit history, as these items should not be on my report.

Also, FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of investigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably availableCredit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The original creditor should be the furnisher of information, not a third party source such as XXXX, e-Oscar or XXXX XXXX I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. 
The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not mind account. No knowledge account. 


XXXX XXXXXXXX XXXX XXXXXXXX ACCT # XXXX account is not mine. Please delete XXXX XXXX ACCT # XXXXThe account is not mine. Please delete XXXX XXXX XXXX XXXX  ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXX XXXX XXXXCCT # XXXX account is not mine. Please delete XXXX ACCT # XXXXThe account is not mine. Please delete XXXX XXXX ACCT # XXXXThe account is not mine. Please delete. 
XXXX ACCT # XXXX account is not mine. Please delete XXXXXXXX XXXX XXXX  ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXXXXXX XXXX ACCT # XXXXThe account is not mine. Please delete U S DEPT OF HOUSING ACCT # XXXX.The account is not mine. Please delete HUD TITLE I ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXX ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXX  ACCT # XXXX.The account is not mine. Please delete XXXX ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXX ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXX # XXXX.The account is not mine. Please delete XXXX XXXX ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXX ACCT # XXXX.The account is not mine. Please delete XXXX XXXX ACCT # XXXX account is not mine. Please delete Unknown ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXX ACCT # XXXX.The account is not mine. Please delete Unknown ACCT # XXXX .The account is not mine. Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an XXXX  collection that was sent to collection in error. I fought back and forth with XXXX XXXX and XXXX to make sure this error on XXXX 's part did not adversely affect my credit score. I was assured it would not. Once the error was corrected I paid off my balance with XXXX. Now I am being hurt by over 50 points on my credit score because this account is showing up on my XXXX   and Transunion reports. This is causing me to not be able to get my home loan that I have been working so hard to get. Currently my family is XXXX and we are living with my in laws because we were expected to have our home loan funded by this time, but now because this account is reporting we are not able to obtain financing.
Product: Debt collection

I am writing to formally file a complaint against XXXX XXXX XXXX XXXX XXXX regarding its failure to conduct a proper investigation into inaccuracies on my credit report. I have submitted three separate dispute letters to XXXX, yet they have failed to adequately investigate and correct the errors as required under the Fair Credit Reporting Act ( FCRA ). Despite my repeated attempts, the inaccuracies remain on my report, negatively affecting my credit score and financial well-being.

Below is a summary of the inaccurate information I have repeatedly disputed with XXXX : [ PNC ] - Account # XXXX & [ XXXX XXXX XXXX ] - Account # XXXX 1. account opened XX/XX/XXXX and no data is reported 2. account closed XX/XX/XXXX but reports that i was only 30 days late, which one is it?

a. if i was 30 days late XX/XX/XXXX, then how was then on XX/XX/XXXX i should be 60 days late b. account closed XX/XX/XXXX but charged off XX/XX/XXXX & still reporting date ; that is impossible has to be either or 3. XXXX is reporting that the account is closed but XXXX states that i have a {$0.00} balance and is in good standing 4. opened XX/XX/XXXX this alleged debt has surpass the 7 years of report that is required by the FCRA and should have been off my account XX/XX/XXXX 5. last activity not matching other credit bureaus 6. based off my credit report from XXXX XXXX XXXXas not reported any data but they sent me a investigation with data reporting 7. there is no monthly balance ; if this alleged debt is relating to a credit card then i should have a monthly balance 8. XXXX on XXXX  has no data, the data XXXX sent me has late payments, but XXXX states i made 40 % of on time payments. all bureaus have to have the same data 9. this alleged debt and my personal information was shared w/o my consent to XXXX XXXX XXXX  agency ; which means all XXXX XXXX information should be similar or exact to PNC ; yet the information is different 10. XXXX XXXX has been trying to collect and has collected money on a closed account I requested a thorough investigation to be completed and despite providing supporting documentation with each dispute letter, XXXX and XXXX XXXX  have failed to remove or properly verify the incorrect information. If a proper investigation were actually conducted then all these inaccuracies will not be able to be reported. Their failure to conduct a thorough investigation and provide me with a reasonable resolution violates my rights under the FCRA. 

Please find attached copies of my previous dispute letters, supporting documentation, and any responses received from XXXX and XXXX XXXX. I appreciate your prompt attention to this matter and look forward to your assistance in resolving these inaccuracies. 

Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud accounts and bankruptcy 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. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. 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. 250 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. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Product: Debt collection

I checked my credit report yesterday ( XX/XX/XXXX ) and noticed I had an account in collections from a Cable company from back in XX/XX/XXXX. I was not aware of the balance so I called the Enhanced recovery company to see what was going on. They advised me that they were sent the bill back in XX/XX/XXXX. This company has not made any attempt at contacting me to let me know I had a bill in collections but they proceeded to place this delinquent bill on my credit report without my knowledge. When I spoke to the agent at ERC she told me they had a phone number on file that I have not had for 6 years and they have not made any attempt on mailing out any type of correspondence. I asked if this could be removed from my credit report and I will pay the balance but the agent told me no. I am extremely frustrated by the fact that Ive been working so hard the past last year to improve my credit report and this company can just ruin the progress that I have made without even letting me know I had a balance due in collections! I would have paid this if I would have known. The manager I spoke to was very condescending and patronizing, she told me to file a dispute and when I asked will they call me back with an update she said, Were not going to call you back but you can feel free to call us if you want. This is totally unacceptable. I need this balance removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit report that does not belong to me. My information was obtained under false pretenses.That is fraud. There is also a name and address that needs to be removed and there are unauthorized inquiries as well. I reached out to the company and I've been waiting for a response. Also there was an alert on my credit report that said on XX/XX/XXXX I opened up an account with XXXXXXXX XXXX XXXX, I opened no such account, this is fraud. I contacted the bank and they said someone in Michigan opened up a business account with my social. I made a complaint online and will be going to the bank tomorrow to make a formal complaint. These fraudulent accounts and inquiries have affected my credit report in a negative way and my credit score has been affected in a negative way as well. These accounts do not belong to me and the information they have provided has not been properly verified. This is fraud as well. If they respond saying that these accounts were verified. I would like to know how they verified these accounts. How my information was obtained. I would also like to know the name of the person who verified the information along with the the company who furnished the information to the credit bureau and legal action will be taken at that point. This is my second complaint and attempt to rectify the situation and nothing has been done. I made a complaint and that complaint was sent to the creditor and they took my address off of the complaint and updated it in their file. They were allowed to steal my address and update their information because they never had it. I have no lien against me nor have I been to court or had a judgement placed against me for any reason, so this harassment and this falsely verified account is illegal.
Product: Debt collection

My Kohl 's charge card was blocked some time ago, but I made payments anyway even though I could not purchase anything. I have been harassed for quite sometime now, and reported to the Kohl 's company that my card and account charges were due to identify theft. They have not considered I was a customer for sometime and have been harassed only to make payment on a debt that is due to identity theft. During a time I was under contract with the U.S. Government for confidential assistance during the XXXX war, my card was hacked and any debts are the result of identity theft which I have repeatedly told the company. I continued in good faith to make payments waiting for Kohl 's to advise they would take care of resolving the matter. However, as a good customer and at a time of national urgency, Kohl 's has repeatedly ignored my statements regarding identity theft. In addition, Kohl 's has violated the no-call list of which I am listed on, with repeated harassing calls, and with robots calls everyday of the week including weekends and holidays ; I have tried to work with the company but am harassed for no good reason. I have been offered information that I can file suit based on violation of the no-call list and disregard for debt I alerted Kohl 's on which is result of major home invasion, property theft and identity theft. It is suggested I can sue for harassment and no-call violation which is now option for me.
Product: Money transfer, virtual currency, or money service

On the XXXX  of XXXX  2024 I attempted to send a money transfer through XXXX to XXXX to pay for a travel agents fees. 

After processing the payment XE closed my account and stated the payment had failed. They have taken the funds from my bank account and after trying to get through to there customer service via phone and sending and email they have not gotten back to me. 

The amount was for XXXX usd. 

They have not provided any reason as to why my account has been closed with them after trying to initiate the transfer. 


They state they have XXXX customer service but there is no active number to call. 

This is unacceptable
Product: Debt collection

Eastern account system is on my credit and I have reached to ask them to remove the account. And I asked why were on my credit, they were rude and would not help me. So I went to XXXX and asked if they would help, I was told that I was not in collects, I am paying my bill in the store so I can't be in collects. Eastern Account System did close the account but have not removed it. I am hoping you can help me and ask them to please remove it from my credit. Thank you for any help you can offer.
Product: Money transfer, virtual currency, or money service

This complaint is directly related to a previous CFPB submission " complaint ID XXXX '' On XX/XX/2023 at XXXX, I received a text alert regarding an unauthorized Chase Zelle transaction , to which I responded that I did not authorize the transaction. I then received a call at XXXX from what I recognized as the XXXX Bank customer service support line at XXXX XXXX XXXX. The caller indicated my Zelle account linked to my XXXX account had been compromised. They instructed that in order to intercept the {$1900.00} payment, I needed to authorize a Zelle " halt payment '' to XXXX. I followed the caller 's instructions with the intention of protecting the indicated amount ( {$1900.00} ). My call was transferred to the number XXXX listed as XXXX XXXX who completed the Zelle halt payment transaction. 
The connection for that call was lost at XXXX but the steps I'd taken evidently led to the Zelle payment of unknown individuals for an account whom I do not, nor does XXXX Bank have any connection to. 
At XXXX XXXX I called the number back which was the XXXX Customer Service line and immediately filed a claim to dispute the transaction. There was a claim submitted at that time indicating the fraudulent nature of the call however they did not initially report the recipient 's information. The recipient account has since closed it's Zelle account. 
I was informed that the claim was denied on XX/XX/XXXX. No further steps were suggested other than to report through the Zelle app. The Report Zelle Scam form online explicitly refuses to compensate victims of this type of crime.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Hard inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As well as all corresponding late payments with above reference to counts. 
Have violated my rights. 
I looked at my Equifax credit report on XX/XX/2025 and noticed there are some things that are incomplete and are not accurate and according to the Fair credit reporting act whatever consumer reporting agency prepares a consumer report it shall follow a reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i 5 they are supposed to treatment of inaccurate or unverified more information ( A ) in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by consumer and item of the information is found to be an accurate or incomplete or can not be verified the consumer reporting agency shall promptly delete that item of information from the file of the consumer and modify that item of information as appropriate based on the results of the reinvestigation and probably notify the furnisher that the information has been modified or deleted from the file of the consumer According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I applied for a loan modification in  XXXX     2016  and after months of resending the same paperwork and jumping through hoops, I received approval and a partial payment plan in  XXXX   2016  in which I needed to being making payments for 3 months before I could be assessed for a permanent modification. I made  my three payments, last one i n  XXXX   2016  and they still have not completed my final loan modification. I have since been denied a job because of this account on my credit, due to their delay and just keep getting the run around when I call for an update. I need this modification to be complete and my credit report updated immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/2022 Amount : XXXX Account Status : Derogatory COLLECTION / CHARGE OFF Have paid the balance on this account and it shows a total of XXXX owed but is still showing up on my credit report.
Product: Credit reporting or other personal consumer reports

I submitted XXXX disputes to Transunion- the last one they claim was resolved on XX/XX/30. They have not provided me a copy of my signed credit application as requested twice. 


Remarks Account previously in dispute-now resolved. reported by credit grant ; UNPAID BALANCE CHARGED OFF
Product: Student loan

I have been given a slew of misinformation over the years. 
- I was paying after my XXXX XXXX graduation while working at a non-profit. When I began grad school I was told that with my loans in in-school deferment, any payments I made would not count toward any type of forgiveness and ceasing payments would restart my payment clock. 
-In XXXX I lost my job. I was XXXX with {$0.00} income. I called XXXX to figure out my options and was told the only thing I could do was a forbearance. Due to low income when I was working, my loans stayed in forbearance until I returned to school in XX/XX/XXXX. That is XXXX years of forbearance that should have been income-driven repayments. Yet I have heard nothing regarding the current XXXX XXXX dealing with exactly this issue. 
-I have tried repeatedly with XXXX to get a full accounting of my loans, including original amounts, payments made, interest accruals and capitalizations, and forebearance and deferment dates. The only thing I have received does not include ANY of this info. This may be because of the XXXX XXXX to XXXX transfer, because I'm running into the same lack of information with AidVantage. But their transfer should not bring difficulties for the borrower. If they can figure out how to transfer the dollar amounts, they can figure out how to transfer all other information regarding that loan. 
-There are loans on my account which do not match with dates of attendance. I have tried to work with XXXX XXXX AidVantage to figure this out and get it fixed, but have not had any response let alone actual help in resolving. 
-I am currently consolidating for the PSLFA and need this information to be correct, both for that Public Service Loan Forgiveness and the XXXX XXXX. I am getting NOWHERE with my loan servicers. When I completed the consolidation application, I requested it not start for 3 months ( this is how the website details it ) which would be XX/XX/XXXX. I received a letter that repayment would start asap which should not be the case since it is not supposed to start until XXXX. I called for clarification, which they did clarify XXXX. I asked for documentation but instead I received another letter that it would start in 10 days. Please help.
Product: Debt collection

Although the debit was not justified I had to pay as it was ruining my credit score. I fully paid on XXXX and it is still showing as not paid on my credit records with XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an item from Bank of America on my credit report that does not belong to me and must be removed because its a fraud item but they always return back confirming that this account belongs to me with no proof. I need this item removed from my credit report because its effecting my life and i will look into legal means if this does not get solved soon
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX  violated my rights 15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a Consumer Reporting Agency can not furnish an account without my written instructions Permanently Delete the Accounts
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vunerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) abd Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>