23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or a list of inquiries : 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

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report under FCRA Section 1681 Dear Experian, I am writing to formally dispute inaccurate information in my credit report. After reviewing my credit report, I have identified the following errors, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681, which governs the responsibilities of credit reporting agencies.

Disputed Information : Item Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discrepancy/Issue : [ This incorrect balance, outdated information. ] Account Number ( if applicable ) : [ Insert account number here ] This incorrect information is damaging to my credit report and has resulted in harm to my creditworthiness. As per Section 1681 of the FCRA, I am requesting that you investigate the disputed information and correct or remove the inaccurate entry immediately. If the information can not be verified as accurate, it should be removed from my credit report in accordance with the FCRA. 
Additionally, I am concerned that the inaccurate information may cause me further financial harm and may expose the credit reporting agency to civil liability for not adhering to its duties outlined under Section 1681. As such, I am requesting that the necessary investigation be conducted promptly, and that any actions required to resolve this matter be taken immediately. 

Please confirm receipt of this letter and provide an update on the status of my dispute in writing. I expect a response within the timeframe prescribed by the FCRA ( typically 30 days ). 

If you require any further documentation or evidence, please let me know. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ] [ XXXX XXXX ] XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these mentioned accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, equifax XXXX are report my bankruptcy and the us bankruptcy court dont share this information so obtain and putting it on my credit report is wrong anybody
Product: Credit reporting or other personal consumer reports

I have 19 inquiries from capital one n Ive never applied for any credit card from them Im a identify theft victim n its hurting my credit with hard inquiries
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 XXXXXX/XX/XXXX
Product: Debt collection

After carefully reviewing my recent credit report, I found multiple accounts that appear to be incorrect and were added without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report on Experian. Per my rights under the FCRA, please provide the contact information or the third-party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau. The Fair Credit Reporting Act, Section 605, regulates credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a persons credit report after 7 years from the date the bankruptcy case is filed. 

Chapter XXXX Bankruptcy XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a trial modification agreement with XXXX XXXX and accepted the 3 monthly payment option from them. The initial payments were due XXXX XXXX, 2017, XXXX XXXX, 2017 and XXXX XXXX, 2017. Although I have made all of the initial payments timely and before the due and ahead of the schedule, these payments are not reflected on any of my credit reports with Equifax, XXXX or XXXX. These payments have not been applied to my account properly and for referenced due dates as listed above. The payments are in a suspended status. This negative action taken by XXXX is negatively affecting my credit score and potentially keeping my score from being higher.
Product: Credit reporting or other personal consumer reports

On XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX owned by XXXX XXXX the original company that transfered this account in the amount of {$1700.00} to the collection agency Lockhart Morris and Montgomery. Once this appear on my credit report I first contacted the original creditor XXXX XXXX which was my former employer and spoke with XXXX in accounting to inquire about this matter. She informed me that as an owner operator/ lease purchaser I was liable for the damages done to the vehicle. However I was not a owner operator/ lease purchaser. I was a XXXX XXXX XXXX XXXX XXXX XXXX She ( XXXX ) reviewed the information and advised that she would call me back to follow up. My last 2 paychecks was retained by the company thus my reason for terminating my employment with the company.  I explained this information to a representative for the collection agency Lockhart Morris and Montgomery with no assistance received. I have a copy of my XXXX showing this incident. I've made several attempts to dispute this matter with XXXX with no success
Product: Credit reporting

All the accounts below have been cancelled and I have XXXX as proof. They are attached to this complaint. 


XXXX XXXX XXXX XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XXXX XXXX : Paid, Closed. 

XXXX XXXX XXXX XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 

XXXX XXXX XXXX XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 

XXXX XXXX XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XXXX Status : Paid, Closed. 

XXXX XXXX XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XXXX Status : Paid, Closed.
Product: Credit card

On XX/XX/2025, i placed an order on XXXX using my Macys credit card. after completing the transaction i received an email stating that they cancelled my order because they were unable to verify information in connection with this purchase. I called Macys XXXX  Protection team and was told that i would not be able to make online purchases at Macys and XXXX, they told me it was not due to any credit issue, but were unable to give me any more info as to why this happened. I tried again using my XXXX card to make the purchase and again received a cancellation email. I made a XXXX call and was told they would be doing an inquiry. A few hours later i received an email stating they would no longer be able to ship future orders and this was their final decision with no explanation, but that i would be allowed to make in store purchase with my Macys card.
Product: Credit reporting or other personal consumer reports

I submitted an account dispute on XX/XX/year>, concerning the following account : XXXX XXXX  Account number : XXXX Additionally, in a second letter, I requested the deletion of the following inquiries from my report, as I did not provide authorization for these companies to perform credit checks : XX/XX/year> : XXXX XX/XX/year> : XXXX XXXX XX/XX/year> : XXXX XX/XX/year> : XXXX XX/XX/year> : XXXX XX/XX/year> : XXXX & XXXX RV & XXXX XX/XX/year> : XXXX XXXX XXXX XXXX letters, I specifically instructed TransUnion not to send a response unless they were providing verifiable proof regarding the disputed accounts and inquiries. However, I have received an automated response, which I believe is an attempt to stall instead of addressing the dispute as required by law. I have provided all the necessary documentation to verify I was the person sending the dispute. 

As stated in my previous letters, I made it clear that sending a computer-generated response claiming you ceased investigation due to suspicions of third-party credit repair involvement would be a violation of the Fair Credit Reporting Act ( FCRA ). This tactic, which appears designed to grant you additional time to comply with my original request, will not be tolerated. Please consider this your final warningfurther delays will result in legal action. 

I expect prompt resolution of this matter, as required by law, and the removal of the disputed inquiries and any unverifiable information from my report. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with Equifax, XXXX and XXXX credit reports on my payment history. Specifically two credit cards XXXX. XXXX XXXX - XXXX, XX/XX/XXXX On XXXX 's end there was an issue with autopay/payment due date changes. Payment was received as soon as I was notified of the issue. Was falsely assured Id have no issue with my credit report XXXX. XXXX XXXX, XX/XX/XXXX On my end autopay failed and I didnt recognize, HOWEVER, the account was paid in full ( actually a few dollars over ), days later. I was never over 30 days overdue. XXXX and XXXX where paid in full as well 3. XXXX XXXX, XX/XX/XXXX I was XXXX XXXX XXXX but I never missed a payment.
Product: Checking or savings account

A {$15000.00} transfer was sent to Revolut on XX/XX/21 from my XXXX brokerage account. They asked for a statement from XXXX which I sent within 1 hour. They later asked for another statement from my source of income. I sent them my XXXX statement showing my income. They then threatened to close my account and stole all my money. Revolut claims the {$15000.00} was " reverted '' but it was never returned to XXXX. This company is a total fraud and should be shut down and the people responsible should be put in prison for life.
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 XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 card or prepaid card

On XXXX XXXX I noticed two fraudulent transactions on my credit card statement. One for {$11.00} shown as Cigars and a second from XXXX for the amount of $ XXXX.Both transactions made on XXXX XXXXSince I am an XXXX customer I immediately called XXXX to ask where the {$120.00} were coming from. They told me that they couldn't see those charges on my XXXX account. I told them that I could see the charges on my card statement. The ask for the last four numbers of the card and the were able to see those charges were made from another XXXX account not related to mine.That was the confirmation that someone had stolen my credit card information and used it to purchase without my authorization. The XXXX associate advised me to call my bank dispute the charges of XXXX because they couldn't remove them since my card was already charged. I was anable to contact the merchant from the {$11.00} because I dont know that merchant.On that same day XX/XX/XXXX I called Bank of America to report the two transactions. They told me not to worry.That they were going to remove the two transactions, cancel my card and send me a new one while they investigate.Two days latter I noticed that XXXX the Bank of America associate mistakenly added a third transaction that I was not disputing for the amount of {$78.00} also from XXXX.I again called to remove that third legitimate transaction from the dispute and proceeded to pay for it.There my nightmare began.Bank of America canceled the hole dispute.They removed the {$11.00} transaction but sent me a letter on XX/XX/XXXX saying since I am an XXXX customer that the {$120.00} transaction was consistent with previous charges with this merchant and transfered the {$120.00} transaction to my new card.I disagree because even XXXX confirmed that the {$120.00} charges were made from another XXXX account not related to mine.Again someone stole my card information and used to purchase without my authorization. Upon receipt of the letter I called again this time the Bank of America associate told me that this transaction was not considered fraud because I am an XXXX customer and I willingly gave XXXX my card information and this was considered a regular dispute.This upset me and I took upon myself to prove this was fraud.I decided to call XXXX told them since you charged my card without my authorization I have the right to know who did this.They told me that for security reasons since my card was used from another XXXX account not related to mine they could not give that information but that they would send me an email recognizing that the purchase wasn't made from my XXXX account.I sent copy of XXXX customer service email to prove I did not make that transaction by fax to Bank of America. I buy on XXXX but this is different I did not gave my card information to anyone else and didn't authorize anybody to use it. To my that's the definition of fraud. Now Bank of America keeps sending me from dispute department to fraud department and make a new dispute every time I call. It's almost 2 months since XX/XX/XXXX now and Bank of America haven't fix this issue for me.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX XXXXXXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : {$54.00} XXXX XXXX XXXX  : XXXX -- -> : {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i have attached fraud report filed with FTC. I need to have XXXX and XXXX XXXX XXXXXXXX removed from my Equifax report Confirmation number : XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. # # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX  - Account Number : XXXX XXXX - Account Number : XXXX XXXX Account Number : XXXX XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Credit card or prepaid card

ORIGINAL COMPLAINT : I am reaching out due to ongoing issues I am having for an order that was canceled on XXXX.I have submitted 2 disputes with synchrony bank about this, went into the store in XX/XX/2021 and this has yet to be resolved. Not to mention multiple contacts via phone with Ashley corporate and the local store. On XX/XX/2021, sale orders # XXXX for {$2600.00} and # XXXX {$3500.00}. were placed in my name with a new Ashley credit card, following pressure sales of furniture and insisting items needed to be ordered early to ensure " they would be ready '' ... ..The items were ordered for my boyfriends new home, which he was closing on on XX/XX/2021. We were told that when he closed, we could go back to the store, cancel the orders in my name and REORDER everything in HIS name with a NEW card for him, as he was not able to open credit due to a pending mortgage. On XX/XX/2021, WE BOTH went to the XXXX XXXX XXXX store and completed the task of CANCELING ORDERS # XXXX and # XXXX. All items ( except the dining table ), were REORDERED and PAID with NEW CARD in my ex ex 's name ; order # XXXX for {$4000.00} and # XXXX for {$2900.00} Items were delivered as schedule to his NEW home in Connecticut on XX/XX/2021. He has been paying for the items under his Ashley Synchrony account on time, with no issues. MY Synchrony account should have NEVER been charged, as the orders were CANCELED from my name. The store verified orders were canceled, and despite the 2 disputes I submitted, I am still being charged and it is taking a hit on my credit. I ask that this be reviewed further and corrected immediately. I would appreciate prompt attention to this matter as this is a fraudulent charge that I did not approve or consent to. This was also be filed with XXXX. 

FOLLOW UP : My previous complaint was ignored and closed. 
I am reaching out to follow up on the multiple disputes submitted due to incorrect charges. After all the disputes, I went to the XXXX XXXX store in person on XX/XX/2021 and spoke with XXXX about the matter. All the documents were received in depth. Copies of the documents were made and kept in the store to support the resolution of the matter. XXXX confirmed the errors and told me that he reached out to accounting numerous times to resolve the issue. 
Apparently, he has not had any luck in getting a response. He advised me to reach out to this email ( XXXX ). 
I would appreciate it if this is settled immediately. This has been going on since XX/XX/2021. I have already disputed with Synchrony, XXXX XXXX, XXXX and Consumer Affairs. The only other step is to get a lawyer involved due to longevity of the matter and the impact on my credit report. 
At this time, it is confirmed that XXXX XXXX 's card was charged for the items : meaning- the charges on my card need to be removed.
Product: Mortgage

I just paid a lump sum all at once in XXXX and I ran back into the same problem. I want to appeal my forbearance rejection and whatever I can do to stop this foreclosure process just for XXXX  months and I will catch up. But I lost my wife that's what made it hard for me.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts from my credit report as soon as possible.