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

Portfolio Recovery ire-agings every account they have listed in my name after every inquiry.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page.

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im writing to report that my personal information has been stolen and used fraudulently to open accounts in my name. i discovered this issue on XX/XX/XXXX when i was checking my credit reports through notification from a creditor. Name of the financial institution or company showing on my credit report is XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I Did not authorize the opening of these accounts, and i am concerned about the impact on my credit and personal finances. I am requesting assistance in investigating this matter and preventing further fraudulent use of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 161a2 these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are in violation of my rights pursuant to 18 USC 8, I owe no debt these companies are in violation of my consumer rights to privacy pursuant 15 USC 1681 b 2, company 's also has no permission to report anything using my information pursuant to 15 USC 1681 4 I did not give written or verbal permission to have these accounts furnished on my credit report as also I am a victim of identity theft I'm attaching documents for evidence
Product: Debt collection

I contacted XXXX XXXX XXXX in XX/XX/XXXX about a debt collection for a Walmart credit card that I was unaware was opened in my name in XXXX and am now being garnished through a court order through the XXXX XXXX XXXX XXXX in Arizona, reference case number XXXX. I asked XXXX XXXX for a copy of the case files and documents to report the fraud in their system, they co formed my updated address over the phone however the documents were never received. I asked the court for a copy of the case files as portfolio recovery did not want to disclose the details and referred me to an attorneys office they partner with. The attorneys office stated they would send the original contract to my updated address however this never arrived. XXXX XXXX XXXX XXXX provided the case files and the affidavit of the process serve documents where I found that an obsolete address was served in XXXX to an unknown person that does not fit my demographics. To date, I have not heard back from XXXX XXXX XXXX or the attorneys office they partner with to submit the garnishment documents to the court.
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 equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am filing this FTC identity Theft Affidavit to report 3 separate fraudulent accounts appearing on my credit report FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a student loan account opened at XXXX on XX/XX/XXXX under account number XXXX. Another student loan account opened at XXXX on XX/XX/XXXX under account number XXXX and lastly a student loan account opened at XXXX on XX/XX/XXXX under account number XXXX. Theses accounts have resulted in several fraudulent hard inquiries and fraudulent open accounts appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection / opened student loan activity related to said items cease to pursuant to my rights within the FCRA and FDCPA laws 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 attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I have had an abysmal experience with the Goldman Sachs Apple Card. I have always paid my bill in full and on time. Last month, through no fault of mine, the payment showed up late, because of the way my bank sent it. I called both GS Apple Card and my bank to try to trace the check, and when it still hadn't shown up two days after it was due. I had my bank issue a stop payment on the check and paid my balance in full through a direct payment from my bank that day. The customer service reps with whom I spoke at GS told me that because this was a fluke and not my fault they were waiving the interest, and the two months of interest that is part of their policy if you are late on a payment. ( Apparently, you have to make two months of full payments on time for them to stop charging you interest following a late payment. ) I thought everything was settled satisfactorily after that phone call. And then a week later, I see an interest charge in the amount of {$26.00}. I called GS on XXXX XXXX and was told that interest charge would be taken care of and that it was a mistake. I waited 48 hours and saw it was still there. When I called again today ( XX/XX/11 ), I was told the interest charge did seem odd and that they would look into it, but that I would still be responsible for the two months of interest.

I told them I had been told differently and that I thought this was unfair, given my impeccable credit history with them and in general. They wouldn't budge, so I said I would like to cancel the card. They offered to put a dispute in regarding the interest charge, but again said they couldn't waive the two months of interest. When I asked if I would continue to accrue interest while I waited for the dispute to be resolved, I was told yes. I replied that I would rather just close the account and pay off the balance today. 

They closed the account, and when I went to make a final payment, the Apple Card app ( through Apple wallet ) wouldn't allow me to pay the full amount. I called them back and asked why I couldn't pay, and I was told I couldn't pay through the app at all ( not true ) and that I would have to pay through bill pay or with another credit card. I hung up, paid as much as I could through the app and scheduled a bill pay payment for the rest through my bank to be delivered tomorrow. 

Granted that this whole experience is only costing me about {$30.00}, I do want to share my disappointment in their policy ( which feels predatory ) and in their customer service staff who were all very nice, but told me different things each time I called. 

Thank you for your time.
Product: Mortgage

I got hurt at work and took a 60 % pay cut. I had a 9 % loan on the house that I could not afford the 9 % after I took the pay cut. I applied for a modification and US Bank said that I qualified for it so in the process of going through multiple surgeries I had to hire a third party to help with the modification which US Bank would NOT coroporate with would n't acknowledge than after months of going back and forth with them they finally gave us a point person to work with. The point person said that they were going to include the back and future property taxes and had told me to hold off on paying till the modification went through or approved. Basically, I got strung along without getting a straight answer for about 3 years. Then they refused to take my payment for 8 months. Finally the modification was approved only for 54 months and it did not include the back taxes like they said it was going to be only future with the loan. Because of this the XXXX I owed in back taxes ended up being XXXX ( due to the 80 % charge penalty from city ) US Bank did not include them in the loan. Now they paid the back taxes and want {$5500.00} plus the loan payment of {$1500.00} which I signed an agreement of XXXX to pay with the taxed included. I went to them for a modification to afford the house. At that price I do n't who can pay {$8000.00} a month for a mortgage. It 's not like I said I could not pay them it was the 9 % and paying the taxes on my own that I could not afford. It seems odd that I am paying {$1500.00} a month for a {$45000.00} loan for 4 years. Than I received another letter stating my new payment was {$2300.00} for 54 months. I still can not afford that. I just need the loan for 10 to 15 years so that I can afford the payment and stay in my house.
Product: Credit card or prepaid card

I received a text alert supposedly from Citizens Bank stating that my online access is locked due to unusual login attempt. 

Asked me to click a link I do not have an account with Citizens Bank
Product: Debt collection

In XXXX XXXX   I was renting with XXXX XXXX XXXX XXXX XXXX When my lease was about to expire, I sent them an email informing them of my intention not to renew the lease after expiration. They informed me to use the apartment portal to convey such information which I did. They asked me to submit the apartment keys by XXXX XXXX on XX/XX/XXXX to which I complied. 

In XXXX XXXX I received a bill for rent payment for XXXX and XXXX and I went to the office to complain about being billed while no longer living in the apartment. At the time, there was no manager in the office and the office clerk called someone on the phone about my case. After being on the phone with the person for several minutes, the clerk informed me they were going to take of it and inform me of the difference I have to pay for utilities. 

I did not get any communication from them and after several months had passed, I called the office but no response. When I stopped by the office, it was closed. I did not hear from this office until I got a call from Hunter Warfield about a debt I owed. When I inquired about the source of the debt, they informed me it was from XXXX XXXX 

I went back to the office to discuss the issue with the then-apartment manager but I was not given access : the office XXXX said he was busy in a meeting. She requested to take my complaint and promised she was going to share it with the manager so that they could work on it. They never got back to me and they were not responding to my phone calls. 

Now Hunter Warfield has added this debt to my credit information and this is hurting my credit score. I have attached the purported bills and other information for your perusal. I will be grateful for your intervention
Product: Student loan

The SAVE repayment plan promised to remove unpaid interest from accounts that were in good standing so that interest is not capitalized and balances dont grow. 

This is not happening. 

Unpaid interest continues to accrue even after I have met my monthly payment requirements. 

After contacting my service provider, XXXX, they said they have not heard from the Department of Education when or if this unpaid interest will be resolved.

The SAVE plan is fraudulent.
Product: Credit reporting or other personal consumer reports

Despite my XXXX correspondence, it appears that the issue has not yet been resolved. 
The presence of these late open accounts on my credit report is causing significant distress and negatively impacting my financial standing. It is crucial that we take immediate action to rectify this situation and ensure the accuracy and integrity of my credit report. 

As mandated by the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to disputes regarding the accuracy of information on credit reports. Your prompt attention to this matter is necessary to comply with these legal obligations. I kindly request that you escalate this issue and take all necessary steps to correct the late open accounts in my credit file. Transparent communication regarding the progress made and the actions being taken to address this issue would be greatly appreciated. With this, I am asking for your assistance to correct the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number XXXX To Whom It May Concern, I dispute your claim and I

am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such a failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. these failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as equifax 's inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

I had fraudulent charges on my card on XX/XX/XXXX for {$1000.00} and {$200.00}. I called Citi on XX/XX/XXXX to dispute the charges. I was told the card would be reissued and the charges credited. However, the charges were not credited. I called again today to follow up, and I was told that the investigation reported that I needed to contact another department in Citibank called " Citi One ''. However, despite calling multiple phone numbers and being transferred multiple times, I have been unable to locate someone who is able to remove these unauthorized and fraudulent charges from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act these Accounts listed below, 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 consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX 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 : .The following address is does not belong to me I have never stayed at the addresses listed below please delete them XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX I have attached my ID and utility bill to verify my current address CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX Also upon looking at my credit report I have noticed accounts that are not mines please delete them 1. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 
3. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
6. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
7. The following personal information is incorrect XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
8. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
9. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
10. The following account is not mine XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
11. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. The following account is not mine XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
The above accounts are not me and the are hindering me from obtaining new credit please remove within 30 days thank you
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts I marked as inaccurate : Collection Agency XXXX XXXX XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXXCollection Agency XXXX XXXX XXXX
Product: Checking or savings account

My wallet was stolen with my ID, Social Security Card and debit/credit cards. They took a lot of money from my accounts including my bank account on XX/XX/18 for the amount of {$2000.00}!
Product: Debt collection

Ran my credit for the first time via XXXX XXXX.. Noticed charges I am not in anyway familiar with per credit agencies listed below. I would like to have these items of concern rectified and cleared from credit profile. 

Please see the following.

( 1 ) - XXXX XXXX XXXX XXXX states that I owe {$2100.00}. I know nothing of these charges and would like for this to be rectified and cleared from my credit score account.

( 2 ) - Capital One : {$560.00} Anything you can do will be greatly appreciated. 

Mr. XXXX XXXX.
Product: Debt collection

I received notification of a debt that I did not recognize, from a company I did not recognize, with an amount that I did not recognize, on XX/XX/2022. I responded to the letter within 30 days on XX/XX/2022 through certified XXXX mail, disputing the amount of the debt and have not received any information about this collection statement. The collection company, XXXX XXXX XXXX, not only reported the debt on my Credit report on XX/XX/2022 without responding to my dispute, they also reported false information on my XXXX and XXXX credit report, and did not list the alleged account as disputed. 

On XX/XX/2022, XXXX XXXX XXXX, reported incorrectly to XXXX and XXXX that I " opened '' an account with their organization on XX/XX/2022, when I didn't even learn about this information until XX/XX/2022. As I mentioned, this information was disputed through certified mail, copies are available, and there is also no mention of the account being disputed on my credit report. I have also disputed the amount of the alleged debt and they are therefore, violating credit reporting laws stating incorrect information on my public records.