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

The inaccurate Remarks were not removed from my Transunion Credit Report. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), Section 1681i ( a ) : I have exercised my right to challenge questionable information that I have found on my personal credit report several times with Transunion Credit Bureau who refuse to remove the erroneous information. Transunion Credit Bureau continues to report the INACCURACIES. As of date, XX/XX/XXXX, " XXXX XXXX and XXXX XXXX XXXX are still being reported as " ACCOUNT NEEDS ATTENTION. '' Accounts were XXXXXXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX. I attached a screen shot of a previous XXXX Credit Report of all these accounts, XX/XX/XXXX, which shows I was NEVER LATE prior to XXXX XXXX XXXX now these accounts are showing Derogatory. Unfortunately, I can only go back to XX/XX/XXXX, on Transunion previous accounts ( please see screenshot attached ). Before I filed the XXXX XXXX XXXX XX/XX/XXXX, all my accounts were reported EXCEPTIONAL ( please see XXXX REPORTS attachment ) I repeatedly contested these accounts with TransUnion Credit Bureau, requesting Transunion to investigate the inaccuracies listed in the attachment labeled " Transunion Disputes '', after their investigation to remove the inaccurate comments labeled as " Derogatory '' from my credit report and to provide me with proof from the furnisher of each account indicating when it became past due. In the past investigation I haven't gotten any credible paperwork yet. I'm asking for the removal of these accounts from my Transunion credit history. I will take further action if Transunion still refuse to remove the INACCURACIES after this reinvestigation
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give any consumer reporting agency permissible purpose or written instruction to furnish any reports on my behalf. The fact that XXXX is reporting to my consumer report is a violation of 15 USC 1681 ( a ) ( 2 ). I have already tried to clear this issue with Experian, but they use a stalling tactic to deny my requests and state that they don't have authorization to tend to this complaint but this is me and Experian has my full consent to resolve this violation.
Product: Credit card or prepaid card

I was a victim of fraud by a merchant who defrauded me with false pretense. this merchant went by 2 names, one being XXXX, and the other XXXX. After dragging and dragging, the merchant agreed to Im owed a credit and promised to refund 90 %. I agreed to 90 % to settle the matter after the merchant claimed he had some expenses and there he claimed I agreed to a 10 % non-refundable fee. In any event, in order to avoid further dispute, I agreed to settle for 90 %. The merchant provided confirmation in writing. I reported this issue to American Express but they denied credit reversal without merit. This is unacceptable. If American express understands the merchant was fraud, thats exactly my problem. Why reward the fraud merchant and leave me hanging without recourse? I demand American express to collect these refunds owed and to refund my account without any further delay. Please also review the letter from my attorney.
Product: Credit reporting

I have an Experian member account under the name I use on a daily basis. In XX/XX/2016 I had identity theft. I filled out the FTC Identity Theft Report & police reports using my full legal name as the form requested. 
When I extended my fraud alert to 7 years using my full legal name, I discovered Experian has me in their system under both names, as if I 'm two different people with two different report numbers ; one report number accepted 7 yrs & other asked for same backup info I sent with the accepted report. The Experian site does n't offer an option to correct it. I was on hold 3 hours before I got live person to talk to & was told he could n't do anything about it. And that I 'd have to contact their XXXX which he told me is their Corp office. They are only ones who can fix it. I emailed them & my email was blocked. I 'm dealing with Identity Theft trying to keep my information correct and secure and I ca n't reach Experian, who 's supposed to be protecting it, to put my reports under the FTC ID Theft report number I filed.
Product: Money transfer, virtual currency, or money service

I have had accounts with PayPal for many years, they decided for security reasons to close my accounts. I had XXXX accounts at the time and have received refunds for the XXXX other accounts but the XXXX account they are refusing to refund. I was advised they needed me to wait XXXX  days to make sure no claims were lodged against that money. It has now been more than 18 months and they are refusing to refund and refusing to return my calls. I have spoken with several customer service representatives and they start a ticket to escalate the issue and I never hear from PayPal and in the meantime they are holding {$1800.00} of my funds that I would very much like refunded.
Product: Debt collection

Sunrise Credit is attempting to collect a debt for which I do not owe. Furthermore Sunrise Credit never took any action to reach me about debt claims prior to destroyiing my credit report. Moreover they continue to report this account every day to the credit bureaus. Ive disputed with XXXX however they have not done their due diligence and have failed to remove this from my credit report. 

XXXX is Wrongly charging me for a closed account that my ex husband is responsible for, furthermore the amount they are attempting to collect is not correct and thus Sunrise Credit is reporting incorrect, invalid debt and it needs to be removed at once.

Sunrise also has continued to harass me with phone calls during the dispute process which goes against the fair credit reporting act.

Im attaching the following receipts that prove the equipment was returned and any amounts charged are incorrect I refuse to pay this debt and want all communications to cease.
Product: Credit reporting or other personal consumer reports

Youre not licensed in the state of Florida to collect on this alleged debt. Please cease and desist from collecting on this debt. Please see attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spent 2 hours on the phone with a FTC help desk agent today who confirmed the reporting for FTC theft reports are broken after realizing if a customer statement is lengthy and or has tax fraud that the formatting is spreading across pages. They included notes on the internal system but would not contact the credit bureaus to validate the reports and said it could be 60 days or more for a correction and theres nothing they can do for me and that the credit bureaus can check their internal system for the validation or call the help desk number. 

Credit bureaus ( Experian and XXXX  ) will not accept mine or my husband XXXX XXXX FTC Theft report for identity theft rights to enact FCRA 605 blocking. They are stating they are fake because the formatting is wrong. Ive talked to them, uploaded and received the same response multiple times that they wont accept it even though Ive told them its coming straight from the FTC website. I uploaded the information to verify the reports with the FTC and they said they dont and wont do anything like that and Ill just have to wait. 

The two will not communicate with each other to allow me and my husband to enact our FCRA 605 rights and have just disputed the items instead of blocking. We cant get an auto loan because of these fraud accounts being listed and not removed and Ive been working on this for a month. Please, please help.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and these fraudulent accounts have caused me tremendous stressed as well as job opportunities. I have sent Equifax multiple dispute letters as well as faxes regarding these fraudulent accounts. I am requesting for the following accounts to be blocked and removed immediately due to fraud and identity. I have never opened any of the following accounts listed below : 1. XXXX XXXX XXXX XXXX BALANCE : {$2400.00} 2. XXXX XXXX XXXX BALANCE : {$3100.00} 3. XXXX XXXX / XXXX XXXX XXXX BALANCE : {$3800.00} 4. XXXX XXXX / XXXX XXXX XXXX BALANCE : {$0.00} 5. XXXX XXXX / XXXX XXXX XXXX BALANCE : {$3300.00} 6. XXXX XXXX XXXX XXXX BALANCE : {$8600.00} 7. XXXX XXXX XXXX XXXX BALANCE : {$5200.00} 8. XXXX XXXX XXXX XXXX BALANCE : {$1100.00} 9. XXXX XXXX XXXX XXXX | XXXX BALANCE : {$6700.00}
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit card or prepaid card

I haven't XXXX credit card ending in XXXX, they did not resolve my XXXX dispute for reference number : XXXX It is in the amount of {$240.00} XXXX, I'm pretty disappointed, and did not expect this. 

The service was miserable of this XXXX listing i stayed at and I did not expect this. 

Secondly they have applied a {$7.00} cents on my credit card out of no reason, I do not know how come the payment got returned. 

Customer service is a disaster, and it takes forever to reach a customer service agent and they keep on transferring to another person, and it never gets resolved
Product: Checking or savings account

Someone scammed me on cash app {$780.00} XX/XX/2025 and I reported it to cash app I dont think they are going to help me get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, my husband contacted XXXX XXXX  via phone to pay off my account using his XXXX XXXX  XXXX XXXX in the amount of {$5200.00}, paying off the balance of my accout with a Customer Service Rep. On XX/XX/22 the funds were removed from our checking account by XXXX. 
XXXX XXXX. XXXX XXXX  claims to not receive the funds. Ive made multiple phone calls and correspondence trying to resolve the issue. 
We provided XXXX XXXX  with copies of our bank statement showing the reference numbers of the transaction and a letter with the same. They denied receiving still, on another occasion I sent another letter with a copy of the draft note provided by our bank and still they denied. Asked us to go to the bank to provide the transaction information for electronic transfer. Our bank said the information we provided is what they need. Our Bank ( XXXX XXXX  ) is advising they can no longer help us, due to the time it took XXXX  to research. Our bank allows 60 days, and it is way beyond that period. 
I am hoping you can help or advise to resolve. My account at XXXX  balance should be XXXX  but now with late fees they are charging me over {$6000.00}. On top of this my credit score went from XXXX to XXXX  XXXX because of this.
Product: Credit card or prepaid card

I have 2 capital one credit Card accounts 1 ) Capital Platinum account ( XXXX ) - Limit 2 ) Capital one QuickSilver ( XXXX ) I have never paid late payments on these accounts My accounts got closed due to multiple return payments ; I have never made late payments and all of the hassle because I accidentally used the wrong saved account on my profile to pay my card multiple times. I have paid off the balance on the quicksilver card and I still received an interest charge - ON A CLOSED Credit card, I am not paying off my other card yet - since I am not sure what another interest is being charged Please reopen my credit cards- I am not asking for much since I always make on-time payments and have not shown any financial instability. 

I called Capital One as well at night but their representatives were unavailable. I have never made late payments and all of the hassle because I accidentally used the wrong saved account on my profile to pay my card multiple times.
Product: Consumer Loan

I was in a car accident and my car was deemed a total loss. My insurance company paid off the lease and I had to pay the deductible. I paid more than XXXX of the deductible, but before I could pay the rest it was considered a loss and charged off by Ford Credit. I only found this out when I received a copy of my credit report. I never received any phone calls or letters from Ford Credit stating that it was going to be considered a loss and charged off. When I called Ford Credit they told my Husband and me there was nothing they could do to change that. They claim that they notified us but we never received anything from them saying that they were charging out account off. They also claim to have discussed this with my husband about this being charged off when they spoke in XX/XX/XXXX. The only thing they discussed was about him emailing a copy of the police report and insurance information to them. They had no previous problems reaching me before when they had questions about the accident and we have always received our monthly statements. We were never late or missed a payment during our 3yr lease. As a matter of fact the replacement car is leased through Ford Credit. My husband also drives a Ford. After the current lease is done we are done with Ford if this is how they want to treat a loyal customer. Both of us had great credit scores and that has suffered because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Bankruptcy Ref. No. XXXX Personal request to ensure that NO INACCURATE DEROGATORY information is reporting on my Consumer Credit Report and that any such information, ESPECIALLY THOSE PREVIOUSLY DELETED by other CRAs, is immediately and completely REMOVED from my file. To whom this may concern : It is unlawful, and a DIRECT VIOLATION of several FEDERAL laws and statutes to report inaccurate, misleading or unverified information. In XX/XX/2020 and months preceding from XX/XX/2020 onward I received a response from Transunion stating that the following account could not be verified nor validated, and it was immediately removed from my credit file : s Per the PROCEDURES and laws stated in 15 U.S.C. 1681i and its subsections I have requested that ALL FURNISHERS related to this account and CONSUMER REPORTING AGENCIES in which this item has been disputed BE NOTIFIED of the DELETION of this account due to FAILURE TO PROVE ITS VALIDITY. As stated above, I have requested this information be SENT to all CREDIT REPORTING AGENCIES and I anticipate that each CRA will follow suit in DELETION OF THE ACCOUNT. I have sent several letters to Transunion, which have been repeatedly denied for removal this public information from my credit file. I have contacted both the U.S. Bankruptcy Court of Texas and the PACER system and they have both confirmed that they do not and will not verify such personal information. Per FEDERAL LAW and the standards set forth by all committees overseeing consumer reporting agencies, continuing to report this account on my credit file is a violation of my rights. Please DELETE THIS ACCOUNT IMMEDIATELY so we can avoid further potential of a consumer or legal complaint. Please be advised that a copy of this letter has also been sent out certified mail and to the U.S. Bankruptcy Court of ( Texas ). 

Regards, XXXX XXXX.
Product: Debt collection

Perfection collection is reporting that I owe money on something which I never purchased ... .it is clearly fraud as when I contact them to get information or proof of what I signed they tried to bait me into getting my personal details and refuse to provide any information where I signed or initiated the debt in question.
Product: Credit reporting or other personal consumer reports

IVE BECAME AWARE OF THIS THESE FRAUDULENT ACCOUNT WHILE GETTING MY CERDIT RUN FOR A APARTMENT THEY TOLD I HAVE SOME ACCOUNTS I NEED TO ADDRESS BE FOR BEING APPROVED AFTER THAT I REALIZE IVE RELAIZE IVE BECAME A VICTIM OF IDENTITY THEFT I DIDNT NOT NOR HAD ANY KNOWLEDGE OR AUTHORIZE NO ONE TO USE MY IDENTIY IM TRY TO RECTIFY THIS ISSUE CAUSE THESE NOT MY ACCOUNT JPMCB AND XXXX
Product: Vehicle loan or lease

I applied for a lease on Hyundai website. They gave me a reference number and told me someone would be in touch. They pulled my credit, I can see that on my credit report, but no one ever called me. I called the local dealer that they said they were sending it to, but they have no record of it. I called the XXXX XXXX XXXX  manager and he never called me back. I have no idea what the status is. At this point I would not do business with them ever, but I hate the idea of my application being out there some where.
Product: Student loan

I was notified that I had a student loan in the amount of {$1600.00}. I did not receive a student loan in XXXX of XXXX. A check stub, receipt, evidence of a successful payment going through into my account, there is nothing that shows proof of a transaction between me or any bank to transfer and deposit what was not transferred nor deposited into any account I have or had. If there is proof please show me. I was homeless and working in a motel in XXXX  of XXXX. I had not received anymore loans knowing I was graduating in XXXX of XXXX  I had no reasoning to take out a last student loan. The information is inaccurate, false and ruining my credit.
Product: Debt collection

Innovative Collections has several paid collections listed on my credit report. They have illegally re-aged the date resulting in a false date of first delinquency and causing this to be left on my credit report longer than it should be. In addition, they have the payment amounts and dates incorrect. There are several things wrong with their reporting which are negatively impacting my credit rating and ability to obtain new credit, including a mortgage. My wife is XXXX, we have a XXXX, and we are looking to purchase our first home.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Complaint Against XXXX XXXX XXXX XXXX  for Unauthorized Reporting of Late Payments on Student Loans To Whom It May Concern, This complaint is filed regarding the unlawful reporting practices by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX on my Equifax credit report. My student loan account, which is currently in a documented deferment status, has been improperly reported as having late payments from XX/XX/XXXX to XX/XX/XXXX. 
Nature of the Complaint Inaccurate Reporting and Privacy Violation Under 15 USC 1681b, I retain the right to privacy regarding my personal financial information. Reporting inaccurate late payments during a deferment period violates this right.

Violation of Consumer Protection Laws Reporting these accounts as late without permissible purpose breaches 15 USC 1681s-2, which mandates accuracy in furnishing credit data to third parties. 
Aggravated Identity Theft and Defamation The unauthorized reporting of my student loan account has caused significant emotional distress and damage to my reputation. Under 18 USC 1028A, this act constitutes aggravated identity theft through the unauthorized use of my information.

Willful Noncompliance Under 15 USC 1681n, the XXXX XXXX XXXX XXXX has shown willful noncompliance by knowingly reporting my account as late during deferment. 
Account Information Creditor Name : XXXX Account Number : XXXX High Balance : {$14000.00} Reported Late Payments : XX/XX/XXXX to XX/XX/XXXX Balance Owed : {$0.00} Account Status : Transferred, Closed Account Type : Educational Loan Evidence of Errors Documented Deferment Status My student loan was in deferment during the period of XX/XX/XXXX to XX/XX/XXXX. Reporting late payments during this time is a direct violation of FCRA guidelines. 
Documentation Attached I have included a copy of my deferment documentation, credit report, government-issued ID, Social Security card , and proof of address to validate my claims. 
Requested Resolution I request that Equifax immediately remove the inaccurate late payments from my credit report for the period of XX/XX/XXXX to XX/XX/XXXX. I expect written confirmation of the correction within XXXX calendar days from receipt of this complaint. Failure to resolve this matter will result in further action to protect my rights under the FCRA. 
Attachments : Deferment documentation Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX my phone number XXXX I have a fraudulent application put in my name without my permission and today when I contact the fraud department back they told me my fraud claim was rejected saying my fraud report was not fraud but it is fraud I want the account balance to be cleared to {$0.00} and I want the account to be disputed off my credit reports.
Product: Debt collection

THIS IS ANOTHER STUDENT LOAN ACCOUNT THAT I HAVE DISPUTED WITH THE CREDIT BUREAUS AS BEING INACCURATE. I CONTACTED THIS COMPANY REQUESTING VALIDATION OF THE ACCOUNT, THE DEBT AND THE NEGATIVE INFORMATION THEY HAVE REPORTED ON MY FILE. I NEVER RECEIVED A RESPONSE FROM THE COMPANY AS TO WHY THEY ARE CONTINUOUSLY REPORTING NEGATIVE INFORMATION. THEY ARE REPORTING MY ACCOUNTS AS IN BANKRUPTCY WHEN IN FACT THESE ACCOUNTS ARE NOT IN BANKRUPTCY, THEY ARE CONSOLIDATED WITH ANOTHER LENDER AND ARE CURRENT. BY LAW THIS COMPANY IS SUPPOSED TO RESPOND TO MY REQUEST TO VALIDATE THIER CLAIM REGARDING THIS ACCOUNT AS WELL AS PROVIDE ME WITH AN OPPORTUNITY TO DISPUTE THE NEGATIVE ACCOUNT. I WOULD ALSO LIKE TO KNOW WHAT COMPETENT EVIDENCE THEY ARE PROVIDING TO THE CREDIT BUREAUS WHEN I DISPUTED THIER ACCOUNT AND THE NEGATIVE INFORMATION THEY ARE REPORTING.