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

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX  XXXX {$7000.00} XXXX XXXX {$7000.00} USDEPTED XXXX {$2100.00} USDDEPTED XXXX {$1700.00} USDOEXXXX XXXXXXXX {$4500.00}
Product: Credit reporting

My Credit report ( s ) are showing a past due unpaid balance on an account that has been paid and satisfied. For several months I have been in communication with XXXX and they promised me they would update my report ( s ) and as of today, XXXX XXXX, 2016, they have not. This situation is compromising my financial position and I want this corrected as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical debt that was turned over to credit bureau of Georgia they took direct payments from my account then stopped thought everything was paid but it's not but it's also under XXXX dollars I was under the impression that medical debt was removed from credit reports
Product: Credit reporting or other personal consumer reports

XX/XX/year> I browse website for creditor and loan information. For social security number entry on site ; the database has a illiterate version of name associated to social security number name of English ( US ) abbreviation rule desginate 3 characters first name than prepared on web browser it returns 6 to 8 character first name instead of 3 characters with valid identity. My name is hacked.
Product: Payday loan, title loan, or personal loan

I had a WELLS LOC that was unjustly canceled in XXXX. 
I have been with Wells for 20+ years, always with an A rating, with various business, personal, mortgage, merchant and LOC accounts. 

Most recently, a 13 year mortgage with WELLS, and $ XXXX line of credit account. 

In XXXX I qualified and refinanced my home with another bank, to an FHA % 3.27, and paid off 3/4 of the  balances on credit cards, LOC, and cashed out $ XXXX, still retaining a 2.1 loan to value. 

XXXX Refi FHA Mortgage Loan was $ XXXX, appraised {$1.00}, comp value {$2.00}. So my financial and credit situation improved with these transactions. In addition, I I was good enough to qualifyed for an FHA. 
. 
Directly after pay off, in XXXX Wells closed my LOC account, along with other credit cards, stating inaccurate, unfair, and false information. As my financial situation IMPROVED with my refi lowering my %, on mortgage , % on credit, and pay offs, and my monthly overhead was lowered by more than 35 %. 

Therefore, I believe that WELLS committed ANOTHER act of fraud, and MORE unfair business practices.
Product: Credit card

I recently check my credit report on XXXX and came to learn the there is a credit card listed on my report. It was supposedly opened in 1998 when I was XXXX years old. It has a credit limit of $ XXXX and a balance of a little more then $ XXXX currently. I did n't open this account and neither did any of my family members. It is listed as an account at Citi Bank. However when I spoke to CitiBank 's credit card department and gave them my social they said the account did n't come up. So somehow it is listed as my credit card but is n't listed under my social security number. And the weirdest part is someone other then myself is making monthly payments. Someone is paying the card minimum of around {$300.00} and something dollars a month. This is really hurting my credit and I do n't Know how to resolve this issue. Please Help! Thank you for your time. Have a great day.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account XXXX XXXX XXXX XXXX  # XXXX, please delete or produce the original instrument of indebtedness, method of verification and validation of debt. Also, this account is reporting a payment as of XX/XX/XXXX, but account is stating it has been close since XXXX ... 

This is account has many errors on all three credit agencies, please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

After logging on XX/XX/2021 and using current user name and establishing new Password and new secret question, I returned to Trans Union Web Site to log on the very next day to check other information and FICO Score, I was unable to log on and access Trans Union website due to Trans Union XXXX XXXX " Changed my secret question, Blocked my Password and Blocked log on assistance.
Product: Credit reporting or other personal consumer reports

I have diligently corresponded with your bureau regarding my status as an identity theft victim, yet my concerns remain unresolved. I am once again disputing the damaging fraudulent information on my credit file. 

Despite submitting the required FTC complaint, your bureau continues to report this fraudulent account on my credit report. I have personally contacted the banks associated with this account, submitted the necessary documents, and ensured the immediate removal of this account from their records. 
I request that you conduct a thorough investigation into this account and remove it from my credit report immediately. Failure to do so may result in further damage to my credit score and financial well-being.

Please provide me with written confirmation once the investigation is complete and the unauthorized account has been removed from my credit report. I also request a free copy of my updated credit report following the resolution of this matter. 

XXXX XXXX XXXX XXXX.
Product: Mortgage

I want my case to get a fair review for the new program my lender participates call Principal Reduction! My home is grossly underwater. I have attached a detailed letter in the disgusting way Wells Fargo has been handling my file! They 've stated my home sold even though I filed for Bankruptcy! Please provide a response to that since they are not willing to speak with me anymore!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, RE : XXXX XXXX Alleged Date Opened : XX/XX/2013 Balance : XXXX Actions : Contacted Comenity Bank ( Issuers of card ), they have no record of this account. Filed a dispute with XXXX it was denied because I filed an earlier dispute with XXXX XXXX XXXX apparently did not resolve the issue. XXXX denied me filing another dispute for this erroneous account. 
Issue : Needs to be removed from my credit report. No record of this account. 


XXXX
Product: Debt collection

My old landlord fraudulently charged me fees when I moved out. He sent the claim to Caine and Weiner collections. I informed Caine and Weiner that the charges were not valid and that I was taking the landlord to court on XX/XX/XXXX. The court case was originally scheduled for XX/XX/2021, but due to COVID 19 the small claims court has pushed the court case to XX/XX/2021. In my original collections letter Caine and Weiner claimed that this would negatively impact my credit unless I payed. I requested that all interest and action on the account cease until the legal process played out. They did not comply with my request and they have continued to accrue interest on the account while they have known for three months that legal action is pending. Caine and Weiner is located at XXXX XXXX XXXX. XXXX XXXX, CA XXXX. There phone number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an old credit card with XXXX XXXX XXXX that was opened in XX/XX/XXXX and marked as charged off in XX/XX/XXXX. My credit report is still showing that there are late payments as of XX/XX/XXXX. There is a 90 day late payment being reported to Equifax in XX/XX/XXXX and a 90 late payment being reported to XXXX in XX/XX/XXXX. I called XXXX XXXX XXXX and they will not remove any late payments from the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters off to the credit reporting agencies and they haven't responded yet, it been over 90 days. I told the credit bureaus to investigate every piece of information on the account I have listed below. 

inquiry : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX account : XXXX According to the FCRA the term " investigative consumer report '' means a consumer report or a portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. If they would have done a proper investigation they would have know that these accounts that are listed are accounts that were opened by fraud, due to my personal information that was leaked on the dark web due to the Equifax data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX A XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00}
Product: Credit reporting or other personal consumer reports

Old addresses all my personal accounts and addresses that will Be effective all personal accounts creditors need to be deleted at once
Product: Mortgage

My mortgage was sold to Loancare around XXXX 2014 and since then I have had to call and make them take my payments off of the " principal '' and put it back to monthly payments. I have always been ahead on my mortgage only to be told by Loancare that they put my payments to principle instead of my payment every single month,. I am furious that I have to keep fighting for the true status of my mortgage because XXXX XXXX decided to sell my mortgage to the most incompetent people in the mortgage company business. I want to find out how I can get away from this nightmare company, and the hours of phone calls to these morons! We all deserve better than having our mortgage sold to such incompetent, and rude people.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I transferred money from XXXX XXXX XXXX to a friend account of East West Bank, which was XXXX USD, but because my friend gave the wrong account, that account has been deleted, causing the remittance to fail, but the XXXX account money has been deducted. 
So XXXX implemented a transfer recall operation, but until today it has not successfully returned a refund. People from XXXX 's transfer department said that East West Bank sent them more than 10 telegrams without refund. 

The following is the transfer information : From Account : XXXX ( XXXX ) To Account : XXXX ( XXXX ) To Name : XXXX XXXX Information from XXXX Transfer Department : XXXX no. ( U.S. wire transfer number ) : XXXX The number of the wire transfer provided by XXXX ( intermediary bank ) to the beneficiary bank : XXXX
Product: Checking or savings account

On XX/XX/XXXX my balance at Cenntinial Bank based out of XXXX, AR was listed as - {$780.00}. 

7 NSF charges were listed ( see attached files ) One of which was {$1100.00}, which far exceeds {$780.00}. This charge had been processed 3 times by Centennial Bank even though it was issued once on XX/XX/XXXX to a XXXX credit card. According to XXXX transactions, the sent it once and charged me a returned check fee. ( Also attached ). The amounts of the other 6 NSF charges were : {$0.00} {$0.00} {$10.00} {$90.00} {$220.00} {$300.00} This is the very definition of debt resequencing. If XXXX bank would have paid the 6 smallest charges, they would have only made {$35.00} off me. Instead they made {$240.00}. This is only the most recent offense since they processed the payment 2 other times.
Product: Credit reporting or other personal consumer reports

I have been requesting my credit report to appear in myequifax.com account for months now. XXXX XXXX I submitted info to update my address which was not done. When I pull my report on myequifax.com it is blank. None of my credit reporting is showing up. I was told on 2 different occasions that my request was escalated and I would hear back via email which has not happened. I am in the process of buying a home and the bank is unable to pull my report because my address is also not updated on my credit report. Here is my latest confirmation # XXXX.
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 : XXXXXXXX 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 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 XXXXXX/XX/XXXX
Product: Mortgage

On XX/XX/XXXX Roundpoint made a disbursement from my mortgage escrow account in the amount of {$250.00}. I have followed up with roundpoint several time in a attempt to find out who the disbursement was to and why there was a disbursement. They have been unable to answer either of the questions so I have asked for a refund to be sent to me for the same amount ( {$250.00} ). On XX/XX/XXXX after talking to roundpoint 's customer service I was told that a check would be sent to me and I would have it in the next XXXX XXXX. it is XX/XX/XXXX and I still do not have not received the check or received answers about why or who the disbursement when to.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX reported s debt of {$1200.00} which I have no knowers of. I have never did business with this company and have never signed any contracts with this company. The date for the collection account is XX/XX/year>. 

XXXX XXXX XXXX NCB MANAGEMENT SERVICE XXXX XXXX XXXX XXXXXXXX XXXX XXXX Code : 15 U.S.C 1681 15 U.S.C 1681a ( 2 ) ( i ) I have a few reports on my credit profile that is incorrect and false.

Failed to provide a wet signature, contract and documentation to prove the account belongs to myself. I have zero knowledge of any of these accounts.

These Collection accounts violated Code 15 U.S.C 1681
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency provide the method of verification for items disputed in my recent complaint. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C.

1681i ), I have the right to know the methods and sources used to verify the disputed information on my credit report. Please provide the following within 4 days of receipt of this letter : :
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a an incorrect reporting on my credit file from all 3 credit bureaus XXXX, Experian, and XXXX of a fraudulent credit company claiming that I owe them said money amount. The name of the company is called " XXXX XXXX ''. I sent correspondence to all 3 credit Bureaus about this fraudulent reporting on my credit report and al 3 credit Bureaus had deleted the incorrect report. I recently pulled my credit report and noticed that the same file was put back on my credit report again. I am requesting that this company discontinue from reporting anything fraudulent on my credit file and that the 3 credit Bureaus also stop reporting this claim on my file after deleting it off.
Product: Credit reporting or other personal consumer reports

I am writing to update and submit a more accurate and detailed complaint regarding inaccurate information being reported on my consumer credit report. I previously submitted a complaint on XX/XX/2025, highlighting the inaccuracies, and although Experian responded, I remain dissatisfied with the resolution provided. It is my belief that the information being disseminated is not only inaccurate but also damaging to my financial well-being and personal life. 

Despite my efforts to address this issue, Experian has claimed that the reported information is accurate, which raises serious concerns about the thoroughness and integrity of the investigations conducted. This response leaves me to question the credibility of Experians claims and suggests that the issue may not be properly investigated or resolved.

The following legal provisions are relevant to this matter : 1. 15 U.S.C. 1681 ( 2 ) ( xi ) Under this statute, consumers have the right to challenge any inaccurate or incomplete information reported to credit bureaus. The failure to correct such information, especially when it is false or misleading, violates my rights under the Fair Credit Reporting Act ( FCRA ).

2. 15 U.S.C. 1666 ( b ) This section mandates that creditors correct any errors on consumers statements. As such, if inaccurate information is reported to Experian, they are required by law to ensure its removal from my credit report.

3. 15 U.S.C. 1692 ( c ) and ( g ) These provisions outline the obligations of debt collectors to provide accurate information and verify the validity of debts. If the reported collection accounts are not valid or have been erroneously reported, they must be removed, as they cause significant harm by falsely affecting my creditworthiness.

I must stress that I have never authorized or consented to the use of my personal information in a manner that results in harm to my financial stability, livelihood, and overall pursuit of happiness. The continued existence of these false collection accounts on my credit report has had a detrimental impact on my ability to secure necessary services, loans, and maintain a stable financial life.

I urge Experian to promptly and thoroughly investigate these inaccuracies and take corrective actions as required by law. Specifically, I request the deletion of the false collection accounts that have been reported erroneously. I expect a timely resolution to this matter and a comprehensive response addressing the issues outlined in this complaint.

Thank you for your attention to this matter. I trust that Experian will take the necessary steps to ensure accuracy and compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey I wanted to contact you all because I went to my bank to get a loan to help my brother by and get a car and they told me that I was not able to cosign for him. I don't know why I wouldn't and plus I have been with my bank for years since I was 21. My mom told me to look at my credit and there is some stuff on there that isn't mine XXXX XXXX, XXXX XXXX XXXX , DPT ED/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 and there Is an account that don't even have a name but it's an account number XXXX. My mom told me to get in touch with police and FTC, I did both.
Product: Money transfer, virtual currency, or money service

A customer paid me money on my square business platform {$8000.00} and square sent me email asking for more information in regards to transaction which I provided. 

They responded saying my account was clear and good to go meaning I can transfer funds to my bank. 

I went to my account and my funds were held. I spoke to virtual assistant but no help. Square later emailed to say they are holding my funds for 90 days.

I have researched and found out that they are scamming small businesses this way and have done it to many companies using their platform. 

I want my money transferred to my account so I can close my account and find another to work with. 

My client called his bank and they confirmed transaction approval no issues on their end. 

Please help me get my money as my livelihood depends on money I make