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

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$52000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$52000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$880.00}
Product: Mortgage

PHH Mortgage Services in falsifying mortgage payment request that are delinquent. They are not my lender. They have sent me numerous invoices in XXXX. The amount due is {$2600.00}. If you call the number, it is clear that it is fraudulent. You only get a recording and no live person answers. They are options to pay with a credit card. Information on the company is as follows : PHH Mortgage XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX Email : XXXX Fax : XXXX
Product: Credit reporting or other personal consumer reports

Ive been contacting Experian for many days now I cant seem to reach anyone Ive been on hold for 20 minutes plus each time Ive called on dateXXXX XXXX2025XXXX-2025 regarding submitting a new Dispute because theres so inaccurate information on my credit report. Theres many names reporting I have one name, XXXX XXXX XXXX Also I have one mailing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX the others need to be removed. Thats inaccurately reporting also theres 5 hard inquiries I didnt authorize as well which should be removed such as XXXX XXXX XXXX/XXXX/2025 XXXX XXXX XXXX XX/XX/scrub>/2025 XXXX XXXXXXXX XX/XX/year>2025 ( I received an email XXXX/XXXX/2025 stating my PII may have been compromised with XXXX XXXX 
XXXX XXXX XXXX XXXX/XXXX/2025 XXXX XXXX XXXX XXXX XXXX XX/XX/year>2025 According to the FCRA any inaccurate information or authorized inquiries must be removed I the consumer XXXX XXXX request the removal of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX. Validate Account XXXX XXXX  Account XXXX : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following personal information is incorrect XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed a medical collection that has been closed and Experian did not remove it from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX.
Product: Debt collection

I reviewed my credit report and there is serval fraudulent items on my credit report XXXXXXXX XXXX account number XXXX {$370.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$7300.00} XXXX XXXX XXXX XXXXXXXX {$2900.00} XXXX XXXXXXXX XXXX - {$6100.00} I have filed a police report XXXX XXXX XXXXXXXX Date : XX/XX/year> at XXXX EDT To : XXXX Subject : Police2Citizen - Incident Submission Number XXXX XXXX XXXX XXXX - Request for additional information XXXX XXXX XXXXXXXX Incident Submission Number : XXXX XXXX XXXX XXXX XXXX XXXX Police Department has reviewed the incident report you submitted on XX/XX/year> and requested additional information Requested Information I strongly suggest that you include the account information in the incident description including the date the account was opened, the name of the creditor, the account number if you have it, and the outstanding balance. 


Please click this link to view and update your submitted incident report. 
ftc with these fraudulent items on my credit report
Product: Money transfer, virtual currency, or money service

I was sold access to an event digitally, of which I have all the screenshots to detail the transactions, transferred the money and was provided with only a fake of a ticket. I have reported this to paypal and it was for the amount of {$21.00} including a {$1.00} fee from paypal. 

This occured on XX/XX/2019, by paypal user who gave two accounts : 1 ) XXXX 2 ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit reporting agency deleted XXXX XXXX XXXX and XXXX account off my report last month after there investigation now on this months report they both have been re-instated this is wrong I contacted legal advice and was told once an account has. Even deleted it can not be reinstated again. Due to this my credit score went eay down again
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which voilates the Consumer FInancial Protection Act timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comeply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions has significant inconvenice and financial loss, and I seek appropriate redresses for these violations.
Product: Credit reporting or other personal consumer reports

XXXX  I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised in when I was making my XX/XX/XXXX mortgage payment that my XX/XX/XXXX payment was due. I paid my XXXX payment on XX/XX/XXXX and indicated that to my mortgage company. They advised that my payment was reversed on XX/XX/XXXX citing an " invalid account ''. I contacted my bank ( XXXX XXXX XXXX ) who confirmed the transaction was complete and no reversal was done. They provided me with a trace number. My mortgage company did their investigation and after 30 days requested additonal time for the investigation. In the meantime, they provided an update to the credit bureau that my XXXX payment was more than 30 days late, even though it was still XXXX and I made the payment and it was under investigation ). I also incurred late fees. Within a week they determined that I did owe the money and then cited that it was actually the XX/XX/XXXX payment that was paid and reversed. ( Which is also not true AND not their original complaint. ) I called the mortgage company and asked them to send me all of the records of the payments I made since this company had only purchased my mortgage in XX/XX/XXXX from my previous mortgage company. The agent advised that my account showed XXXX XXXX payments that were made and one was reversed. I only made 1 payment and it cleared so it appears there is some error on the part of the morgage company. I have made payments in each XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX and it reflects this in their documentation. The mortgage company continues to show I am late and now owe my XX/XX/XXXX payment but I do not. There seems to be a glitch somewhere on their end.
Product: Credit reporting or other personal consumer reports

Hello CFPB, I am writing to bring to your attention a matter of concern regarding the reporting of an account in my credit history, specifically XXXX XXXXXXXX XXXX - Acct # : XXXX. 

It has come to my attention that XXXX deleted this account from my credit history on XX/XX/XXXX. I am seeking clarification on the difference in reporting between the two credit bureaus. I am curious about the methods employed in their investigation and verification process, as XXXX has deemed this account unverified and misleading. 

I am keen to understand how Experian and XXXX can assert the accuracy of the reported information, given that a major credit bureau has already removed it from my credit report. If the data originates from the same creditor, it raises questions as to why different results are being reported. 

I insist to delete XXXX XXXX XXXX  - Acct # : XXXX, due to the following reasons. 

XXXX. It has already been proved inaccurate by XXXX as the result of why they have to remove this invalid & erroneous account from my record. 

XXXX. When you compare reports from one consulting agency to another, you can see a big discrepancy of the following : Date Opened : XX/XX/XXXX ( XXXX ) - XX/XX/XXXX ( Experian ) Date Last Active : XX/XX/XXXX ( XXXX ) - XX/XX/XXXX ( Experian ) Date of Last Payment : XX/XX/XXXX ( XXXX ) - XX/XX/XXXX XXXX. According to the FCRA law, under the Compliance Procedure, when a credit reporting agency creates a credit report for a consumer, they must take reasonable steps to ensure that the information in the report is as accurate as possible. They need to do everything they can to get the facts straight and avoid mistakes. This includes checking sources, verifying information, and making sure they have the most up-to-date information available. 

In other words, the credit reporting agency has a responsibility to make sure that the information in my credit report is correct and reliable. They can't just put anything they want in my report without making sure it's true. If they find out that something is wrong, they have to fix it right away. 

Additionally, I also want to bring to your attention the inaccuracy of my personal information, specifically on the following category : Date of Birth Current Address Previous Address Employers This actually made me wonder as to how you obtain my information and the items you are reporting on my credit report if my personal information were factually INCORRECT!
Product: Credit reporting or other personal consumer reports

I reviewed my credit file and noticed accounts that did not belong to me. I firmly believe these have been caused due to the data breach XXXX had and numerous other issues. These account do not belong to me. 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion delete and block information appearing on my consumer credit report that is the result of identity theft and fraud within at least 4 days of you receiving this complaint. The fraudulent, inaccurate, and false information of a personal credit card account, personal loan, and an auto loan opened. Due to the data breach from XXXX which also caused my information to be exposed. 

The following is an account that is fraudulent XXXX XXXX XXXX account number XXXX opened on XX/XX/year>. 



These fraudulent accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have filed a report with the FTC Identity Theft Criminal. As proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and charge offs are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Transunion : XXXX  XXXX XXXX ; Account # XXXX
Product: Debt collection

On XX/XX/2023, XXXX XXXX purchased a residential property through a foreclosure auction conducted by XXXX XXXX XXXX FL. I paid {$390000.00} at auction, and have incurred several thousand in additional costs maintaining the property since then. 

Two weeks after the sale I received a recorded certificate of title. All of the County data bases show XXXX XXXX  as the current owner. 

After the purchase I tried to buy title insurance, but the new title search found a XXXX XXXX, for which XXXX XXXX was the trustee. 

I contacted XXXX XXXX in early XXXX to learn about the mortgage. They referred me to XXXX  XXXX XXXX. I was having talks with XXXX XXXX XXXXXXXX when I got a letter from XXXX telling me I should be talking to Select Portfolio Servicing ( SPS ). 

SPS refused to talk to me because I was not on the loan. I sent them my documentation several times. I called them approximately 30 times. They eventually agreed to tell me how much the payoff amount. 

After receiving the payoff letter, I sent them a proposal to settle the matter. No reply until I called last week. 

But, checking for mail at he property, I found numerous letters from foreclosure attorneys, all addressed to the PREVIOUS owners. 

That made me suspicious, so I checked the court records and found a new foreclosure against the property, initiated in XXXX, but filed agains the PREVIOUS owners. The XXXXXXXX XXXX XXXX  in XXXX, filed the new foreclosure on behalf of XXXX XXXX as Trustee to XXXX. 

As I said at the outset, XXXX XXXX is the owner of record in the County systems. No competent title search could have missed that. So the omission must be deliberate. 

So, either they have been dealing with me in bad faith for the past 6 months, or they were deliberately trying to engineer a new " arms-length '' sale to dissolve my ownership interest. I have called the XXXX XXXX XXXX there times. They have not returned my calls. I sent the attached documents to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit reports are showing 11 recently opened and closed student loan accounts through XXXX. I last consolidated my loans in XX/XX/2022, and there should not have been any new accounts opened or closed in my name. As a result of the new accounts, my credit score with the bureaus has taken a sizeable hit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau has failed to provide the services : 1. appropriate investigation services within 30 days 2. dispute filing through my paid membership, online, over the phone and Mail which has never been received from Experian 3 . Experian has provided multiple false/scam/fraudulent contact call centers, credit reporting Representatives, telephone numbers that has resulted in continued identity theft attempts 4. This is-not the same complaint.

5. The last time I contacted Experian : my email : XXXX ; XXXX was hacked 6. Documented evidence will support when agencies are investigating Experian the dispute center is unblocked ; then 5 days later Experian reports month after month Experian is continuously working on the dispute center. 
7. To date Documented evidence supports my credit rating continues to demonstrate horrendous declines although my credit reporting status does-not represent or align with these horrendous declines dated XX/XX/2021. In addition, the blocked dispute center will substantiate Experian has not provided no online services it contracts to provide : Entrusting in XXXX, equal rights, protection under the law and justice I request a thorough investigation be immediately be conducted into Experian Actions : See the two updated attachments :
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft, these accounts do not belong to me. 
See Attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reporting fraud on my credit report. 
XXXX XXXX XXXX is the account And the amount is : {$120.00} This is not My account and was opened not under my consent. It needs to be removed from my account immediately.
Product: Credit card or prepaid card

I am now 3 weeks into a problem with XXXX XXXX returning a large sum of my money that they did not credit to my account. The company claims that since XX/XX/XXXX they returned it using the wrong account number. Their most recent claim is that they have turned the {$2500.00}. over to XXXX-a company about which I have no information or contact numbers-and that they are unable to provide me with a timeframe as to when XXXX will complete the return of the payment. This is inappropriate and unacceptable. How can a reputable bank be unable to know where my money is or when it will be returned? This banks practices need to be examined.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX, has violated 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 customer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

It has been over 50+ days and neither Experian XXXX XXXX or XXXX has responded by to my disputes. I have sent numerous dispute letters to have accounts improved from derogatory to current status because they have been paid as agreed, but they continue to report these accounts as negative. Because of their continuous stall letters and tactics saying that I am not who I say I am and will not proceed with the investigation, they have violated my rights as a consumer under the FCRA because they have failed to respond to my requests in my timely manner. 

I have attached letters and and responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, Company 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 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 signed up for service with XXXX on XX/XX/XXXX to provide monitoring services to my home. I setup auto pay to ensure payments were made on time. XXXX sold to XXXX and my account was transferred and I maintained the auto payment until I canceled the service in XXXX XXXX XXXX. This month I received an alert on my credit report of a collection which drastically lowered my credit score. I contacted the company regarding this error and was told to provide proof. I submitted to them a few receipts showing the payments were made and that the account was closed in XXXX XXXX XXXX  but they still have not agreed to remove the derogatory reporting. The company is ZIONS DEBT HOLDINGS, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. They have been sued and lost to numerous parties for their practices. I communicated to them I am willing to go to court to have this removed but will ask CFPB for assistance to avoid the expenses of a trial. This error is causing me financial hardship and emotional/mental stress as I am not able to make life saving medical equipment purchases due to credit collections.
Product: Debt collection

Ive asked multiple times to stop being contacted but i receive calls & text messages/emails daily