23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

There was an employee at your company that requested new cards be sent to me that I did not request I did not ask I did not say anything to anyone about giving me new cards I was simply calling when I did call to ask where was the deposit that is usually in my account two days prior. Also I've talked to several if not six different employees it was not until I got to the last employee that actually wrote the report on the other employer that requested cards on my account. No one should be able to request cards on my account without my permission or acknowledgment. Now I don't get paid every week every two weeks I get paid biweekly that means I have to wait almost 3 weeks to get paid to turn around to not be able to get back and forth to work this affects me in so many ways I have bills that are automatically on pay to this account it affects my credit I can't feed myself I can't pay a bill I can't go to the ATM I do not have an XXXX so that virtual card is useless to me. I do not have XXXX XXXX or any other accounts connected to this app I don't even have a XXXX XXXX  so we're trying to reach my funds is useless.I called my employer to try to cancel the check but since it's already out there and have been out there in the clouds getting transferred to people 's accounts for the past 3-4 days I don't think that they're able to just cancel my account because it's already sent out to my account this is money that I need no not on the XXXX not on the XXXX not on the XXXX I need to be able to have and get access to my funds now those cards that were requested should be canceled it should be no reason why a person that has the account has the number to the account can not cancel the cards requested that was not requested on my behalf it is insane. This is illegal your employee requested cards on my behalf that I did not ask for I need my money now I need access to my account to my funds now the fact that I can not cancel this is a blight.
Product: Credit reporting or other personal consumer reports

I noticed on XX/XX/year> that there were a few hard inquiries on my credit report that I dont recognize. The first one was from XXXXXXXX XXXX XXXXXXXX XX/XX/year>. The second one was from XXXXXXXX XXXX XXXX XXXXXX/XX/year>. The third one was from XXXX XXXX Finance/Personal on XX/XX/year>. The fourth one was from XXXXXXXX XXXX XXXX XXXX on XX/XX/year>. I dont recognize any of these inquiries or details about them. Theyre all noted down on my hard inquiries and its made my credit score go down immensely. I hope that you can help get them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Company consistently redates a debt on my credit report. They are now saying I opened a XXXX account in XX/XX/XXXX and I owe XXXX. This is a lie. I had XXXX acct in XXXX and closed my account in XXXX. Never ever have I had XXXX since then. 

I have fought to for them to remove the incorrect information. For several years with TransUnion and XXXX. 


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

I recently disputed incorrect information on my credit report through Experian and was assured that the erroneous entries would be removed by XX/XX/2025. However, upon reviewing my credit report, I noticed the disputed information remains unchanged. This discrepancy not only raises concerns regarding the accuracy of my credit information but also potentially impact my financial standing. It is crucial for credit reporting agencies to uphold their commitment to maintaining accurate and fair credit reports, as these documents play a significant role in individuals ' financial health and opportunities. 

Additionally, I have observed that several closed accounts are still being displayed on my credit report, which contributes to an incomplete picture of my credit history. Having outdated or irrelevant information can adversely affect my XXXX XXXX and hinder my ability to secure favorable loan terms in the future. I urge Experian to promptly address these issues and ensure that my credit report reflects only accurate and relevant data, as this is essential for fostering trust between consumers and credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit and Reporting Act, XXXX Accounts : XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX. 
XXXX XXXX XXXX Account # XXXX, have violated my rights 15 USC 1681 section 602 A, states that i have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written insctruction.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and XXXX, continues to report inaccurate information to my account. I have disputed the accounts on several occasions and have not had a proper investigation and the account reappear on the reports without any resolution. I do not receive any report or findings. This has caused a significant emotional and financial hardship for me and prevents me for applying for a home, apartment or any other type of loan that I may need. I have filed identity theft due to these accounts and my name, birthday, and social has been a part of the dark web. I also have an ex who has all of my information, but I can not prove they used it.
Product: Credit reporting or other personal consumer reports

Re : Personal Information Update Request & Investigation of Potential Identity Theft Dear Sir/Madam, I am writing to formally file a complaint regarding discrepancies and inaccuracies that appear across my credit reports from XXXX, XXXX, Equifax, and XXXX. I have previously attempted to update my personal information and address discrepancies across my credit reports multiple times but have received no resolution. These inaccuracies may indicate potential identity theft, and I am requesting the immediate correction and deletion of erroneous information.

Personal Information Update Request : I respectfully demand the following corrections be made to my credit reports to ensure the accuracy and privacy of my personal data : Full Legal Name : Please ensure that my full legal name appears as XXXX XXXX only. 

Address Update : Please delete all outdated and irrelevant addresses from my credit reports. 
The only address I request to be included is : XXXX XXXX XXXX XXXX XXXX, GA XXXX I can not receive mail or any correspondence at these outdated addresses and have no access to them. Please ensure the removal of all other addresses listed. 
Phone Numbers : Please delete all phone numbers currently listed in my reports. 
Social Security Number & Date of Birth : For privacy and security reasons, please remove my Social Security Number and Date of Birth from being displayed on my credit report. 
Employer Information : Please delete all information listed under the " Employer '' section of my credit report.

Inconsistencies Across Credit Reports : Upon reviewing my credit reports, I have identified the following discrepancies across XXXX, XXXX, and Equifax : Account Number Discrepancies : The same account number appears differently across the three bureaus. This inconsistency raises concerns about unauthorized individuals potentially altering or misusing my information.

Payment Status Inconsistencies : Discrepancies in the payment status across the bureaus suggest errors or fraudulent activity, potentially indicating transactions that I did not authorize.

Address Variations : Different addresses are listed across the credit bureaus, which suggests that unauthorized individuals may be using my information to open accounts at various locations. This raises concerns about fraudulent accounts linked to my personal data.

Employer Information Inconsistencies : The employer information is inconsistent across the bureaus, which may indicate fraudulent attempts to link my identity to accounts I did not authorize.
Product: Debt collection

Collection Consultants of California have been trying to collect a debt that is past the statute of limitations in California and won't remove it from my credit report. They are also in violation of HIPPA as they have sent me my full list of medical procedures performed and they were not supposed to have that. I have sent other complaints about the company to the major credit bureaus and also to the Attorney General of California.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Has a Credit Hard Inquiries on my credit report XX/XX/21 page 7 of 10 Report number # XXXX I don't no this company or who it is. This company has committed fraud in which they can not provide any contract or information showing that i agreed to there services. I contacted them and got nothing but the run around and no return call from this company. 
I have also reported this to the US Attorney office as fraud from XXXX XXXX.
Product: Debt collection

This company has been harassing me about a credit Card debt form XXXX XXXX Bank that is not mine. I 've asked them several times to verify that I owe this debt, and they have failed to do so. On my credit report it states that I owe XXXX under XXXX and under Midland funding who is the collection agency for XXXX it states that I owe {$800.00}. This is not my debt and this is unfair that they are harassing me about a debt that does not belong to me.
Product: Mortgage

We had trouble making payments to our loan servicing company - Selene Finance - due to a dip in our business, since XXXX 2017. Over the last three months, I had requested loan modification materials, due to the fact that we have been in our home for 15+ years, and have substantial equity value in the home. While the company calls near daily with robo-calls to ask when we are going to make our next payment, they have not provided the loan modification docs, and we have now fallen seriously behind - six months - and are likely facing foreclosure. I am concerned that this is a strategy, since there is a substantial difference between our mortgage amount ( {$200000.00} ) and the market value of the home ( {$430000.00} per XXXX ). We simply want to find a modification program to bring us current, as we will be in the position to resume regular payments.
Product: Debt collection

on XX/XX/2021, usps certified mail # XXXX XXXX XXXX XXXX XXXX ; XXXX # XXXX XXXX XXXX XXXX XXXX, i sent south mississippi collection services letters about the alleged debts of ; XXXX ; XXXX ; and XXXX that I don't owe.I haven't heard from them concerning this matter for over 90 days, my first response was XX/XX/2021, which is a violation also.the law states in 15bUSC 1692E ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. i DO NOT OWE this alleged debt and it needs to be deleted from my credit report before I get a credit counsel
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : US BKPT CT GA XXXX # XXXX 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts listed on my credit file that are fraudulent ... .see list below : Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX # XXXX {$6400.00} XXXX XXXX XXXX XXXX # XXXX {$1200.00} XXXX/XXXX XXXX XXXX # XXXX {$1700.00} XXXX/XXXX XXXX XXXX # XXXX {$3000.00} U S DEPT OF ED/XXXX # XXXX {$1800.00} U S  DEPT OF ED/XXXX/XXXX  # XXXX {$3200.00} XXXX XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$810.00} XXXX XXXX XXXX # XXXX {$250.00} XXXX XXXX XXXX # XXXX {$550.00} Inquiries : XXXX  XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX    XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX  # XXXX {$6400.00} XXXX XXXX XXXX XXXX # XXXX {$1200.00} XXXX/XXXX XXXX XXXX # XXXX {$1700.00} XXXX/XXXX XXXX XXXX # XXXX {$3000.00} U S DEPT OF ED/XXXX/XXXX  # XXXX {$1800.00} U S DEPT OF ED/XXXX # XXXX {$3200.00} XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX DBA XXXX  # XXXX {$810.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX {$250.00} XXXX XXXX XXXX   # XXXX {$550.00} Inquiries : XXXX  XX/XX/XXXX XXXX  XXXXXXXX XXXX   XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX # XXXX {$6400.00} XXXX XXXX XXXX XXXX # XXXX {$1200.00} XXXX/XXXX XXXX XXXX # XXXX {$1700.00} XXXX/XXXX XXXX XXXX # XXXX {$3000.00} U S DEPT OF ED/XXXX # XXXX {$1800.00} U S DEPT OF ED/XXXX # XXXX {$3200.00} XXXX # XXXX {$460.00} XXXX XXXX DBA XXXX  # XXXX {$810.00} XXXX XXXX XXXX # XXXX-XXXXXXXXXXXX {$250.00} XXXX XXXX # XXXX {$550.00} Inquiries : XXXX/XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I would like to know why my insurance company has added the title loan company name on a check for the the repairs to my car. This has caused an inconvenience for me to repair my car that is damaged. The car is not totalled. I have purchased parts out of pocket to allow myself to be able to do necessary arrans to get this matter resolved. My insurance company does not offer me car rental services. The adjuster is treating me as if I am a criminal. I am current with both payments, insurance and tile loan. I need answers why I am a victim, and why the check is this way. No one seems to know the answer, and the insurance ajuster does not return calls.
Product: Credit reporting or other personal consumer reports

I have disputed multiple inaccurate entries on my Experian credit report, but Experian has failed to resolve these issues or provide verifiable documentation to support the continued reporting of these negative items. Despite several dispute attempts and requests for documentation, Experian has not fulfilled its obligations under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681i and 1681s-2 ( b ). The following issues remain unresolved : Inaccurate Charge-Off Balances Several accounts are reported with balances that should not be present for charged-off statuses. XXXX has failed to verify these balances or update the accounts to reflect a {$0.00} balance as required by law. Incorrect Late Payment Reporting My report shows inconsistent late payments compared to other credit bureaus, including multiple instances of late payment entries that do not align with my payment history. Experian has not provided proof of these late payments despite multiple disputes. Multiple Charge-Off Entries For some accounts, Experian has reported charge-offs repeatedly for several months, which constitutes multiple entries for a single charge-off event. This practice is misleading and violates FCRA guidelines for accurate reporting. Dates and Actions : First Dispute Submitted : XX/XX/XXXXXXXX XXXXXXXXFollow-Up Disputes Submitted : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Most Recent Dispute Submission : XX/XX/year> I am also submitting a formal complaint to the CFPB, as Experian 's lack of compliance has caused financial harm and continued frustration. I request that Experian : Provide verifiable documentation for each disputed item or immediately delete the items if no documentation can be produced. Correct all inaccurate balances and update the accounts to reflect {$0.00} where appropriate. Remove all duplicated charge-off entries. Requested Resolution : Please ensure that Experian adheres to FCRA guidelines by ISSUE Incorrect information on your report HAVE YOU ALREADY TRIED TO FIXTHIS PROBLEM WITH THE COMPANY? 
Yes DID YOU REQUEST INFORMATIONFROM THE COMPANY? 
No TYPE OF ISSUE Account information incorrect updating my credit report to reflect accurate and verified information only. If Experian can not provide proof of these reported items, I request their immediate deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported that I was 90 days late on my XX/XX/2020 invoice. I have never been late on any of my invoices and have always paid the minimum balance on all statements. None of my statements show a late payment being issued or a payment had not been paid. XXXX XXXX states I owe {$120.00} for a late fee. Why is the late fee {$120.00}? That is an extremely high fee. Every statement has been paid before the due date every month. I dont understand why Im given the option to submit my evidence when its not taken into account. The proof is on each statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the removal of a bankruptcy on my Experian credit report due to Civil Case No.XXXX. I did not know the source of your information of this bankruptcy and due to this, Experian has violated the Fair Credit Reporting Act ( FCRA ). Please remove this bankruptcy as it is adversely affecting my credit. Previously, I requested such removal and I have also attached to this complaint a dispute letter from the company XXXX confirming the results of their Reinvestigation. For your review, I have attached a copy of the results to this complaint.The U.S. Bankruptcy Court also confirmed that they do not report any information to the credit bureaus  including my social security number which is needed to correctly verify any accounts on my credit report. Since this is a request and not a dispute, I would like to receive confirmation that the bankruptcy listed on my credit report has been removed within 15 days of the receipt of this complaint. Your attention to this matter is greatly appreciated
Product: Student loan

Loan is paid off. My experience was very clear. I had an interest rate of 2.25 % and when I called to lock in my rate I was talked out of it. Literally talked out of it. Looking back I realize that Navient aka XXXX could not give advice beneficial for me but I naively trusted the person on the other line. So here is some advice. These companies do not work in your interest when it comes to revenue. They work within their own. In other words, find someone that really knows what you should do and do it exactly that way.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and DELETED on my credit file. 
XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX A XXXX Balance Owed : {$530.00} XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX Balance Owed : {$9100.00} XXXXXXXX XXXX Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX A XXXX Balance Owed : {$2400.00} XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$670.00} XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit score every month on XXXX XXXX. For as long as I can remember now my credit score has been at XXXX or XXXX. I get an email from XXXX XXXX a few days ago saying my score has dropped. I log on and to my surprise my score has dropped by 107 points, I was devastated by this news. I had no idea what could have caused this drastic and sudden decline. I havent had a loan or credit card in several years and my score has remained the same. I never missed or was late on a payment on neither my car loan nor my credit card. The only thing I seen that was different was that from my XXXX credit score to my XXXX credit score was that I had two auto loans that went down to one. Ive never had any more than one auto loan and like I stated previously its been a few years since I paid it off. Any help with this situation would be greatly appreciated.
Product: Credit card

I spoke with Shell/CBNA Credit Card back in XXXX of XXXX to ask them in good faith to remove the bad marks on my XXXX credit reports which were only ( XXXX ) 30 day late payments. Instead they now have moved the dates of my Charge Off on my credit reports from XXXX XXXX being the last date reported to now being XXXX XXXX and it is being continually reported. This has dramatically affected all XXXX of my credit reports for an account that was opened XXXX of XXXX and closed XXXX XXXX.