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

Account Number : XXXX XXXX I am writing to formally dispute inaccuracies in the information reported on my credit file for the above-referenced account. Upon reviewing the details provided by your bureau and comparing them to other credit reporting agencies, I have identified several inconsistencies and concerns that require immediate investigation and correction. 

Account Details : The account is inconsistently listed as " Revolving Account '' by TransUnion and " Charge Card '' by XXXX. Please verify and confirm the correct account type. 
The payment status is reported as " Charged off as bad debt '' by TransUnion and as " Charge-off '' by XXXX. These discrepancies need reconciliation. 
Credit Limit and Balance : Both TransUnion and XXXX report a credit limit of {$1800.00}, which is accurate. However, XXXX does not list the high credit amount ( {$2200.00} ) reported by TransUnion. Please confirm the accurate high credit amount and update accordingly. 
Comments : TransUnion includes the comment " Purchased by another lender, '' whereas XXXX provides no such detail. Please confirm and include this information if applicable. 
Last Reported and Date Last Active : TransUnion reports " Last Reported '' as XX/XX/year> and " Date Last Active '' as XX/XX/year>, while XXXX lists " Date Last Active '' as XX/XX/year>. These discrepancies should be investigated and corrected to ensure accuracy. 
Additional Concerns Regarding XXXX 's Investigations : Given the ongoing legal scrutiny concerning XXXX 's inadequate dispute investigation practices, I strongly urge your bureau to ensure this investigation is conducted with the utmost diligence. Accuracy and compliance with the Fair Credit Reporting Act ( FCRA ) are paramount in this matter. 

Requested Actions : Investigate the discrepancies noted above by contacting the original creditor or any applicable third parties. 
Correct the inaccuracies and ensure the account details are consistent across all bureaus. 
Provide me with a detailed summary of your investigation process, including the evidence used to verify the reported information. 
Under the FCRA, you are required to ensure that all information on my credit report is accurate, complete, and verifiable. Please address this dispute within the legally required timeframe of 30 days and provide a resolution promptly. 

If you require any further information to process this dispute, please contact me at [ XXXX XXXX XXXX ]. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a discharged bankruptcy and Experian and XXXX   refused to delete this error off my credit report. I have sent supporting documents and letters from courthouse stating they dont report to credit bureaus. They claim they are getting information from third part companies which is accurate and cant be used. XXXX did remove the error. I even sent in a copy to Experian and XXXX and they still refused to delete the error. it was responded that the company verified the info with a third party system. the third party system is incomplete and inaccurate since they don't provide complete social security numbers as they would against the fair credit reporting act and privacy laws. also i wrote the third party system and they don't have a record of the account. I am also attaching documentation of the letter sent to them for a second time and their response.
Product: Credit reporting or other personal consumer reports

Over 2 months Im trying to explain the violations to them but they simply dont want to hear anything. I found another violation just right now I will keep everyone busy for deleting this account. XXXX XXXX is one of the worst company that I ever seen, this company dont care any type or Federal Law, Im as a consumer pushing them to correct and report accurate account but nothing changes. Since its been over 45 days and no correction I demand to delete this account forever in 3 credit reporting agencies asap. Will be uploading another violation which shows that account number is reopening only one digit. Bu the Law FCRA account must be reported at least 6 digits so consumer can demonstrate if any issues, here is reporting just one. My previous complaint has been proven with actual proff that this company is reporting 3 different names and account number on 3 credit bureaus. Enough violating the Law, Constitution says everyone must follow the law, doesnt matter you are Present of United States or market cashier.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX XXXX Account # : XXXX - XXXX XXXX || Account # : XXXX - XXXX XXXX XXXXXXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting misleading credit information information about me to  XXXX . My Lease was closed in  XXXX , and as of today 's date  XXXX  is still reporting negative information on my credit report dating to  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account several time the same account is reported   XXXX   on my credit report
Product: Checking or savings account

Okay so I had over {$1000.00} in my account I went to go pull money out not realizing I couldn't pull {$800.00} out but I needed it for my rent money so I went to the ATM at the bank not like a third party and it said it could not dispense the money to me at this time please give it XXXX hours before the funds will be put back in your account so the ATM didn't have the money to give me so I waited XXXX days and still no money back in my account this was on Tuesday the XXXX so we are now on XX/XX/XXXX and I still don't have the money back in my account they declined me getting a reimbursement on the money until they resolve it through the claims department I should have been reimbursed right away saying as the ATM never gave me my money I never got any money but they took the money out of my account so now my money is floating in the air somewhere and I can't pay my rent I am acquiring {$50.00} in late fees a day on my rent until it gets paid they are telling me I won't have it until the XXXX which is way far away from now I asked for temporary funds to be put back in my account until the claim is handled they didn't do that either they declined that which I don't understand because again it was an ATM of theirs that didn't have the money to give me not my problem their problem and I'm still now waiting on my money and acquiring {$50.00} in late fees until I get that money and they're not going to pay my late fees I'm going to have to pay them even though I had the money to pay them before the first I have called multiple times they're telling me there's nothing they can do they expedited the claim they said it's still not going to be done till the XXXX even though they expedited it again makes no sense Bank of America is the worst bank I have ever banked with I have several other Banks and I've never had a problem like this they're ATM never dispense my money I never got any money and now I don't have any money and they won't give me my money. My lesson learned is if you're using an ATM at a bank especially Bank of America and it says it can issue the funds immediately go inside the bank and let them know don't listen to the ATM that tells you XXXX hours and it was the XXXX so I still had a couple of more days I waited XXXX hours and still my money never got returned I'm almost a week later and still don't have any of my money and they won't issue temporary funds does it make any sense does it don't use Bank of America!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 immediately. 

XXXX XXXX XXXX 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 XX/XX/XXXX
Product: Credit card or prepaid card

Several months in a row, my payments were applied to a promotional 0 % APR balance instead of the higher 27.74 % interest balances. It is understood that my minimum payment will go to these promotional balances first, but the remainder of payments should be applied to higher interest rate balances next. CFPB should be made aware of these practices and inaccuracies with customer 's balances. Each call to correct this takes approximately 30 minutes of mine and several customer service representatives time, and it is not appropriate to apply payments in this manner to allow higher interest to accrue. Spoke with Supervisor XXXX in XXXX XXXX location on XX/XX/26 who assured me that although the current " Interest Savings '' balance online was {$1600.00} lower than the balance on my XXXX bill, that the correct balance would show on my NEXT statement at month end. Even if this was true, it does not provide me with an accurate accounting if I wanted to make additional payments on my card and avoid paying more on my negotiated " Interest Savings '' rate. Plus it will require ANOTHER call after month 's end.
Product: Credit reporting or other personal consumer reports

The information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
Fraudulent Account : XXXX XXXX : Account # XXXX : Balance : {$1300.00} Fraudulent Account : XXXX XXXX XXXX : Account # XXXX : Balance : {$890.00} Fraudulent Account : State Employees : Account # XXXX : Balance : {$4200.00} Fraudulent Account : XXXX XXXX  : Account # XXXX : Balance : {$4700.00} Fraudulent Account : XXXX XXXX  : Account # XXXX : Balance : {$4400.00} It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. There has been no legal proof of the marks has been provided or proven. I have reported the theft of my identity to the Federal Trade Commission ( FTC ) and have enclosed copies of the supporting documents, including the FTC Identity Theft Affidavit & Other documents. This unauthorized reporting has negatively impacted my credit standing. I respectfully request that the FTC, FDIC, & CFPB investigate this matter and take appropriate action to ensure that the erroneous and derogatory information is removed from my credit report. I am also pursuing complaints at federal levels to address these violations.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Reporting on my credit while I was in school. Without my knowledge it would be reported.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized Credit inquires I RECEDNTLY RECIEVED NOTICE THAT I WAS A VICTIM OF A DATA BREACH. I am filing a complaint with the CFPB regarding unauthorized and potentially fraudulent credit inquires that lack proof of permissible purpose, as a mandated by the Fair Credit Reporting Act ( FCRA ). These inquires allegedly originated from the following Original Creditors # Summary of Inquires being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a debt collection from noticed Credence resource management llC claiming that I owe a debt from XXXX XXXX. I never had account with XXXX XXXX I sent the company listed above a letter of debt Validation on XX/XX/XXXX asking for the following info the amount that they claimed that I owe detailed calculation of rhe balance they say that I owe copies of the signed agreements showing that this account is my obligations copies of judgements if applicable to the account proof of the time statutes of limitation pertaining to the debt PROOF OF COMPANIES LICENSING TO COLLECT debts in my state as well as licensing number and registered agent ANY CREDIT APPLICATION WITH MY SIGNED SIGNATURE ATTACHED VERIFICATION OF ORIGINAL CREDITOR THIS IS TO BE INCLUDED ONLY IN THE LETTER FROM THE COLLECTION AGENCIES
Product: Credit reporting, credit repair services, or other personal consumer reports

You broke the law Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair and accurate. After taking a look my consumer report I realized that my report was inaccurate and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished and I was never notified when during your companies initial investigation that you were going to report this information. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error has undermined my confidence in your companies procedures and as a result of this I will no longer be extending credit and if this information is not removed I no longer want my information reported in your companies database. 

Pursuant to 15 USC 1681 ( a ) ( 2 ) - Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation and it has adversely affected my credit worthiness. 

Pursuant to 15 USC 1681 ( a ) ( 3 ). 

Your company assumed this role. You were not given express permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information. You also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights. 

Pursuant to 15 USC 1681 ( a ) ( 4 ). 

You did not insure that this information to accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this violated my right to privacy. 

Congress makes it clear that a consumer report should NOT include transaction between the consumer and the person making the report. This alledged transaction that you are reporting, and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer, and the person making the report. Which means it should not included i nmy consumer report and in fact is a violation of my consumer rights In your initial investigation I was never given the opportunity dispute.
Product: Debt collection

This was a doctors visit that was paid in cash directly to the doctor himself. And I was the last patient of the day and his secretary was leaving he advised me since was a follow up visit I would n't need a receipt. I 've tried to explain to his office that if they would check the time of my arrival and appointment that day along with verifying with the Doctor surely he would remember and not attempt to take another {$40.00} from me which I do n't owe. But they were rude and refused to verify with him or allow me to talk with him directly. With all the time that has now passed the only way he could verify is to check the appointment day and see what time his office staff left against the time I was there to see if my story adds up. It 's only a principle here not the {$40.00} because this could be very profitable if it were a scam used on several unsuspecting clients whom just paid anyway. Besides the co-pay must be paid before you get to go back to see the doctor, which is more proof that I paid or are they trying to say not this one particular instance?
Product: Debt collection

This debt does not belong to me I request that this be removed from my credit report in order for it to reflect an accurate reading its causing problems in my daily living
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions. Experian consistently responds in a short period of time 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, Experian '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 Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I marked as inaccurate XXXX XXXX Acct # XXXX and XXXX XXXX XXXX Account XXXX its showing its an " OPEN '' BALANCE in collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX credit card where I incurred a late fee for the balance on the bill of {$5.00} back in XX/XX/2020. The company reversed this late fee for me ; however, it is showing on my credit as a late payment which is hurting my credit I spoke with the company and they have not yet helped to resolve this for me. 

As someone who is in their 20s and previously uneducated on credit, I now understand how important prompt payment is in this matter and this will not let this happen again.I have been extremely diligent since then to ensure all bills are paid on time. 

I completely take responsibility for my naivety and promise in my maturity to move forward with financial competence.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS REPORTING ACCOUNTS THAT I DID NOT GIVE THEM PERMISSION TO REPORT, THEY ARE VIOLATING MY CONSUMER RIGHTS UNDER 15 U.S.C. CODE 1681b - PERMISSABLE PURPOSES OF CONSUMER REPORTS.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these ITEMS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting ITEMS as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated and DELETED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Debt collection

I have spoken with this collector and explain the situation and I am making payments. They are calling more than 10 times a day never leave a message and do this eveyday. Some days less some days more. I understand I owe money but as explained to the company I am making payments as I have money. The calls are really an harassment at this point. I could not download my call list for you but I can provide the information if needed
Product: Debt collection

I received a letter on XX/XX/XXXX about a DEFAULT JUDGMENT from XXXX County, Texas about me and I have no idea what this is about. I have never signed for any documents ; court orders or summons from anyone regarding this debt. I do not owe this debt as the person who owes this debt died in XXXX. A few years ago, I told the company about this situation and they stated that this file will be closed. I never heard from them again. Even if I wanted to assist with payment of this debt, I am unable to. I am XXXX XXXX and has a XXXX which limits work progress. This DEFAULT JUDGMENT states that they will dispose of me which according to my understanding, I will be killed, or my life will be terminated by this company - Calvary SPV, LLC. I am not sure why a court would pass judgement and never verify whether I received any documentation or not. I have never done any business with this company and I feel my life is being threatened for a minor debt in life that is not even my debt. Please advise me what to do as I am afraid to leave my home in fear that someone kill me and disposes of my body.