23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

When we applied for a home equity loan, our bank contacted XXXX XXXX XXXX to do a search. We were called by the bank and told that company said there are XXXX liens against us. I knew that was wrong so I called the courthouse and had copies of the judgements sent to me. It only took me one minute to see that the only thing that matched was my husband 's name. Birth date, address and SS # were all different. I called the XXXX XXXX XXXX company and asked if I could send them proof that these liens were not ours so they could correct their records. They told me no because I am not their client and that I would have to go to the bank and have them correct it. I asked how they could make XXXX such errors and a manager, XXXX XXXX, told me that all they do is match a name to a county. They do not check further unless their client ( in this case my bank or their underwriters ) requested it. So I went to the bank and the manager said they simply have us sign a form declaring that those liens are not ours. They do nothing to correct the error or remove those liens from our report. I asked her to help me find a way to correct this because we did not want our name connected to these offenses. She said she would pass our request on to the underwriters. The underwriters accepted the document we signed declaring the liens were not ours but were n't interested in clearing up the error. Why would any company be allowed to attached lien information based on name only? We live in a small town and there are XXXX or XXXX men that we know of with the same name as my husband, XXXX. I ca n't imagine how many there are in the whole county. The manager at XXXX suggested we were lucky there were only XXXX. That 's XXXX too many as far as I am concerned!! If I had not been such a good customer and well known in our bank, this information could easily have been used to deny us a loan. Someone should be responsible for correcting this but so far no one accepts or cares about it.
Product: Credit reporting or other personal consumer reports

As a victim of XXXX Equifax data breach incident, I recently contacted XXXX XXXX XXXX because I have not received the email regarding the credit monitoring service I requested. I was informed that the XXXX emails was sent in XXXX to my email address and the deadline of activating the credit monitoring service has passed. Since I have never received these emails, I went to XXXX XXXX XXXX website today to check the status of my claim again. The website shows that my claim is still " under review ''. A copy of the claim status print out dated XXXX is attached. If the emails of activating credit monitoring service were sent out in XXXX and my claim was closed, please explain why my claim status is still showing " under review '' at your website.
Product: Debt collection

This letter is a formal complaint against CAINE WEINER ( Original Creditor : XXXX XXXX  ). They have repeatedly violated the Fair Debt Collection Practices Act. A lot of mistakes look as if they exist within this account. Review the status, creditor, account number, and payment status.
Product: Debt collection

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$XXXX for each incorrectly reported item on my credit file.
Product: Debt collection

In XXXX of 2024 a lawsuit against me was furnished for a debt I was unaware of, I have requested a hardship plan and requested the forward flow agreement regarding the debt the collection firm has yet to respond
Product: Credit reporting, credit repair services, or other personal consumer reports

I TOOK OUT STUDENT LOAN IN XXXX, MY 1ST DELINQUENCY WAS XX/XX/XXXX, THUS THE STATUES OF LIMITATION HAD EXPIRED ON XX/XX/XXXX, SEE OLD XXXX  AND XXXX  PROVING SUCH. XXXX  AND XXXX  KEEPS IGNORING THE LAW. THAY ARE BREAKING THE SOL AND THE DODD FRANK WALL STREET REFORM.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following inquiries are a result of identity theft : XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX ( XXXX ) XXXX CREDITOR TYPE Bank XXXX XXXX XXXX  Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX Please remove inquiries from my credit report because these are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove fraudulent / unauthorized inquiry from XXXX XXXX XXXX XXXX on XX/XX/22 from my report or provide proof in writing within 30 days.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several inaccuracies on my consumer credit report, as maintained by your agency. I have identified numerous discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and related statuses. It is essential to rectify these issues promptly to ensure the accuracy and fairness of my credit profile. 1. Late Payments : There are inaccuracies in the reporting of late payments on my credit report. 2. Credit Utilization : There are inaccuracies in the reporting of credit utilization on my credit report. I assert that the entities providing information to the credit agencies ( Furnishers ) have no right or written consent from me to furnish my information. 3. Revocation of Consent : I hereby revoke any forms of consent be it verbal, non-verbal, written or implied for the furnishers to furnish my info. 4. Nondisclosure Option : I have not been properly informed by the Furnishers of my right to exercise a nondisclosure option, as required by 15 USC 6802 ( b ) ( c ). 5. Adverse Information : Inclusion of adverse information without proper authorization violates 15 USC 1681C ( a ) ( 5 ). Knowingly Furnishing Inaccurate Information : Furnishing inaccurate consumer information knowingly is prohibited under 15 USC 1681s2 ( a ) ( 1 ). 6. I have also noticed some unauthorized inquiries items that must be removed. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have all violated my right to privacy. XXXX. Immediate Deletion of Negative Accounts : I request the immediate deletion of all negative or derogatory accounts on my my credit profile with XXXX, XXXX and Equifax. 9. Notation of 15 USC 1681 ( c ) : Immediate notation of 15 USC 1681 ( c ) in XXXX, XXXX and Equifax systems concerning my report.
Product: Mortgage

I went to pay my mortgage online and noticed I was locked out. When I called I was told they could only talk to a bancruptcy lawyer and they could not talk to me. Both my wife and I have never filed for bankruptcy nor do we ever intend to. I was given a phone number for an account manager XXXX XXXX ( XXXX ) and a supervisor XXXX XXXX ( XXXX ). I am never able to reach either of them have left multiple messages. I did speak with another account manager and was told who the person was filing bankruptcy. It is not my wife nor myself and we are the sole owners of the mortgage and the only people listed on the deed. But, they still refused to speak with us.
Product: Credit reporting or other personal consumer reports

I am writing to formally contest and dispute the inaccurate reporting of the accounts on my credit report. Upon contacting the relevant companies, it was confirmed that an error had indeed occurred. Your bureau is legally obliged to conduct a thorough and timely investigation of disputes, including a review of all pertinent information submitted by the consumer, in this case, myself. 

Both XXXX and XXXX have already rectified the inaccuracy of these accounts on my report. Therefore, I kindly request that you take immediate action to update these erroneous accounts. A written confirmation of the correction would be greatly appreciated. Additionally, assurances were given over the phone that the accounts would be promptly updated. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I WAS INVOLVED IN AUTO ACCIDENT ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A XXXX XXXX XXXX IN WHICH THE XXXX XXXX XXXX XXXX  WAS AT FAULT IT WAS MY RIGHT OF WAY AND HE HIOT MY BACK POASSENGER SIDE BUMPER DENTING IT ALOT THE OTHER DRIB=VER FILED A FRAUDAELNT CLAIM ALONG WITH XXXX POLICE DEPT FALSE REPORTING BEING ON OTHER DRIVER SIDE RATHER THAN THE TRUTH THEY INITIATED THE REPORT THROUGH XXXX WHICH THEN RESOLVED IN RESURGENT ACQUISITIONS LLC IMPOUND WHEN MY VEHICLE IS PAID FOR SHOWING GOOD REPORT THROUGH ORIGINAL CREDITOR BEING XXXX XXXX THEY HAVE CONDUCTED A FRAUDALENT ACTIVITY BASIS SINCE SHOWING TWO SEPERATE DATE FOR ACCIDENT ALSO XX/XX/XXXX AS WELL THEY HAVE CONDUCTED ONLY TO BENEFIT THEMSLEVES IN AN ILLEGAL MATTER THEY ARE KNOWN TO STEAL FROM THE POOR IM AWARE BUT THIS TIME THEY HAVE FAILED AND GOT THEMSLEVES CAUGHT UP MOVING FORWARDE I WILL NOT BE RESPONSIBLE FOR XXXX XXXX  INDIVIDUALS WHO SHOULD BE MENTORS AND NOT FAILURES OF SOCIETY AS WELL AS THE MEDIA I AM NOT LIKED BY THESE DOMESTIC PREPERATORS I DONT SEE THE IMPORTANCE OF IT BUT I DO WANT TO STATE FOR THE RECORD THAT THEIR HAS BEEN ALOT OF PLANES CRASHING ALONG WITH THE WILFIRES AND I STROB=NGLY BELIEVE IT HAS TO DO WITH THEIR PERFORMANCE.I DONT WANT TO BE ANOTHER VICTIM OF THEIR INSANITY
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Report is showing inaccurate information. I have reached out the the reporting agencies ( XXXX, XXXX & Experian ) Several times to have this issues resolved. The only response I receive is the dispute has been completed and the account has been verified.

All 3 reporting agencies are showing different : 1. Account Opened Dates 2. Account Activity Dates 3. Payment Status Dates This account has been re-aged by the credit bureaus and this is a major violation.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/year>. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. Below are the details of the disputed account : **Account Name : ** XXXX XXXXAccount Number : XXXX XXXX
Product: Debt collection

Someone stole my wallet in XX/XX/2012and went to a furniture store and received furniture with my information. The amount of the debt was XXXX. Ive tried disputing this information with all three credit bureaus to no avail. I sent Accelerated Financed a  validation letter and they mailed me contracts with signatures that dont match. The debt was sold to Accelerated and they increased the amount owed to XXXX. Accelerated sent me all the info for the account, all of the info has the same address where I lived but the furniture was delivered to a different address. I had to close that account because of fraudulent activity and also filed a police report when someone broke into my car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been filling on all 3 credit reports advising that I never open an account for XXXX or Recovery Profolio ACCT# XXXX   for $XXXX the thing about it, is that they don't even have my last name mispelled right. So that goes to show that this account is not even mines. As far as XXXX Acct# XXXX for XXXX. According to these lenders the account where open from: XXXX XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX and/or XXXX XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX. I have sent both companies proof (As what they requested which was XXXX XXXX XXXX XXXX  receipts) that the only address I have lived in the last 42 years has  been: XXXX XXXX XXXX XXXX. XXXX, Fl. XXXX. Even with the proof I sent them, they still state that the information I have provided them is not correct But that the information they have is? HOW THE #### DO YOU FIGURE THAT, WITH PROOF THAT I SUBMITTED TO YOU, FROM  THE ELECTRICITY COMPANY???
Product: Student loan

Graduated in XXXX and XXXX in about XXXX for a total of XXXX in student loans. Paid on the loan on-time for years and after a divorce in XXXX started having financial difficulties eventually filing for bankruptcy in XXXX. Loan Balance ballooned with fees to current balance of {$52000.00}! I am ready, able and willing to pay pay my student loan obligation - but I just stare in bewilderment how the balance has gotten XXXX higher & gt ; while paying XXXX in payments. Up until about 5 months ago - I had been paying back applying extra to each loan payment - like {$100.00} to start getting caught up ... then I got a little behind in payments ... but I want to attach my current statement showing the original balance, the current balance and the breakdown of my payments. In round numbers you will see payments of about XXXX ( half my original balance ) - but almost XXXX has been applied to interest - not principal ... so in XXXX in payments - only XXXX has been chipped away - and that 's with paying extra ... there is simply no path to paying off this loan ... but I will try IF these numbers are correct ... can someone investigate to confirm these numbers? They seem so unfair ... 

( XXXX UNIVERSITY is the institution )
Product: Credit reporting or other personal consumer reports

I have been a victim of the equifax data breach.. I have contact Exquifax and the reporting agencies several times about the accounts reporting on my credit report. now they have failed to remove the account as XXXX and XXXX has already remove the fraudulent accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Texas, XXXX XX/XX/2023 Dear Experian, I, XXXX XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. The following inquiries were not authorized by me and are inaccurate. According to the Fair Credit Reporting Act, legally the following unverified and unauthorized items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Creditor Name : XXXXXXXX XXXX  Type of Business : Bank Credit Cards Date of Inquiry : XX/XX/2023 I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THESE CREDITORS AND I DID NOT AUTHORIZE THEM TO ACCESS MY CREDIT. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE CREDIT INQUIRIES ARE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off my credit report.
Product: Prepaid card

On XX/XX/XXXX of 2025 I sent 3 separate payments from my cash app account to another cash app account that was supposed to be payment for a vehicle I was purchasing as well as the delivery of that vehicle. The payments were in the amount of {$1000.00}, {$1700.00} and {$250.00} which came to a total of {$2900.00}. The individual I was purchasing the vehicle from was off of a XXXX XXXX ad and he kept in good contact for the rest of the afternoon as well as the following morning and early afternoon which was supposed to be the date of the delivery. That afternoon all responses to any text or calls stopped and the phone number was terminated. I have reached out to cash app because the account that I sent the funds to turned out to be an unverified account as well as having no contacts in common and in my opinion especially considering the large amounts definitely should have been flagged by security to intervene and prevent such scams as this. I have heard absolutely no response from cash app as of now and I submitted a few screenshots of the original ad as well but I have the entire conversation that day through text messages with the individual that I could also offer into evidence if needed. I am absolutely devastated financially by this incident as I have waited all year for these funds to be able to purchase a vehicle for my family and myself and now we have nothing and there seems to be absolutely nothing that I can do about it.
Product: Credit reporting or other personal consumer reports

I am writing to seek your assistance in revisiting the findings related to my recent complaint, which pertains to one negative account on my credit report. The account in question is : XXXX  XXXX XXXX
Product: Debt collection

I've contacted Simon Agency Inc regarding the report and they admit that the name is incorrect. However, they are still refusing to remove this false information from my credit. I informed them that I was a victim of identy theft and they are refusing to comply. 

Attached is a copy of the FTC report updating adding them to my fraudulent accounts.
Product: Payday loan, title loan, or personal loan

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint complaint against XXXX XXXX XXXX XXXX. I spoke with their employees who all claimed to not work on commission. They offered me 3 nights at XXXX XXXX which I never gotten or used. They told me I was making a good financial investment. They baited me with lies like saying I will never have to pay maintenance fees again. They enticed me saying I'll make money from this XXXX if decide to re-sell it, as the resale value would go up. They said it has tax benefits similar to owning a second home. I felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's my last chance at the lowest price. I was not made aware of the fees involved in this. They withheld information like informing how cancellation process works, I didn't even know hoe many days to cancel. I had financial difficulties and relationship stress due to this XXXX such as getting divorced. One of the worst experiences is that losing a lot of money for something that is overpriced which I never or can't even use. I was lied to and taken advantage of, they defrauded me, I was baited by their deceiving sales tactics.
Product: Debt collection

I am making payments to different medical bills. They continue to call using bogus names and numbers! The last phone call was from XXXX XXXX, local number but told me they were Phoenix Financial and won't quit calling continuously
Product: Credit card or prepaid card

My name is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Last 4 of social security XXXX. 

This is a disputed Identify Theft and I have been on the phone with Discover Card for over 1.5 hours. During that time I was transferred from one person to the next, then waited for what seemed an eternity for next available agent. For 5 times, I was transferred then while on hold I finally was disconnected from Discover Card phone bank. Seems the discover card Fraud division has no clue how to get rolling on removing of the discrepancies and inquiries from my credit bureaus. This is totally unsatisfactory for any customer to be transferred this much. I have NOT done any business with Discover nor do I wish to. 

I have filed a police report with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Report number - XXXX. 

Should you have any questions, I can be reached at XXXX or my email at XXXX. Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a leter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report I has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the XXXX you caused me. 
My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Bank account or service

I 'm really sick and tired of getting checks ALWAYS being placed on hold from USAA bank. Every single deposit gets placed on hold for a minimum of 7 business days. This past phone call in the attached recording you will see I tried getting a partial lift on funds {$300.00} out of {$1000.00} lifted 1 day early so that I could go to XXXX XXXX to pick up medication I need to survive. 

USAA chose not to accommodate the situation which I explained, was a medical emergency.
Product: Credit reporting, credit repair services, 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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

I recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me, The following alleged account is listed as a collection with PAST DUE balance of XXXX under account name of XXXX XXXX XXXX this is a violation the FCRA and metro 2 compliance reporting standards.