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

I sent a letter to the Credit Bureaus on XX/XX/202 to remove ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXXXXXX Balance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$17000.00} ) that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove and block any accounts or information not later than 4 business days after XX/XX/2022. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including these fraudulent information again.
Product: Checking or savings account

I work for XXXX eats. I activated my XXXX pro card. Saturday I tried to remove the funds and was declined and told by their outsourcing agents that my account has been locked and I have to speak to Next Level Support although they have not unlocked my account and all agents state their tools do not alot them to unlock the account. 

Branch XXXX XXXX XXXX XXXX # XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Student loan

I've sent several letters since XX/XX/2019 to Firstmark Services/XXXX  disputing to have a late payment marked on XX/XX/2019 deleted. During that time, I called them to have the XX/XX/2019 payment delayed due to unexpected circumstances but they failed to provide me any assistance with forbearance/deferment for that month. As a result, they reported a late payment for XX/XX/2019 to all credit bureaus. During this pandemic, this negative remark has caused a loss and impossible to get approved for residency and other living necessities. 

I have been an exceptional customer paying every month on time. This late payment does not reflect my actual credit worthiness. Therefore, I am requested this late payment be deleted from all credit bureaus.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX are all reporting my XXXX XXXX XXXX loan as XXXX late payments and charged off. That is incorrect.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I wanted to purchase new shoes for my birthday on XXXX   and unaware of scams because all my life all my transactions have went smoothly I was not aware of getting scammed and the scammer made me pay through XXXX {$170.00}. I contacted my bank and XXXX, neither helped me.
Product: Credit reporting or other personal consumer reports

I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed account on my credit report associated with XXXX XXXX ( Account Number : XXXX ). 

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation procedures used within 15 days of receiving a consumer 's dispute. Despite previous requests, I have not received sufficient documentation explaining how this account was verified or what measures were undertaken to ensure its accuracy.

Additionally, under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601, all credit information must be accurate and transparent to protect consumer rights. The lack of clarity in the investigation process violates this fundamental principle, leaving me unable to verify the validity of the account information in question. 

Details of the Disputed Account : Name of Account and Account Number : XXXX XXXX XXXXXXXX I kindly request that you provide the following : A complete description of the procedures used to investigate and verify this account. 
Any documentation, evidence, or information relied upon during the verification process. 
If you can not delete this account immediately due to verification issues, please provide the requested information in compliance with the FCRA and TILA.

I appreciate your prompt attention to this matter and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 2017 {$500.00} I have filed a dispute with Ad Astra Recovery to verify because no contract was signed they sent back it was verified with no proof
Product: Credit card

AMAZON OFFERS A ( {$150.00} AMAZON GIFT CARD ) TO THOSE WHO APPLY / GET THE AMAZON PRIME CREDIT CARD.. I applied for the Amazon CREDIT CARD, and was approved BUT Amazon did NOT send me the {$150.00} GIFT CARD. I called Chase and Amazon and both told me to talk to the other. Nothing was resolved, I was tricked into applying for a card based on a LIE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I removed my fraud alert and security freeze. But Experian just minutes ago emailed me and said my account is frozen. Ive removed the freeze and requested the fraud alert be removed. Still I received a email message saying different. Why is this such a problem?
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX/XXXXXXXX21 I sent a dispute lettet in explaining the incorrect and in accurate information on my consumer report, as of today nothing has been done
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several hard inquiries on my report that I did not authorize to run my credit report. I have never done business with any of these companies and did not apply for credit. Below are the the inquiries and dates '' XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Card Service XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I asked for a signed contracts and didnt receive anything I was completely ignored
Product: Debt collection

There was a collection placed on my credit. I have contacted this company which they are not understanding at all. Due to COVID-19 these companies are trying to collect debt thats not owe to them. I do not have a contract with me and XXXX. This is a third party vendor and not the original owner. No information was verified nor did I even receive anything from anyone regarding this. Ive told them I want this remove and I cant wait 60 days. Because I never received anything from anyone regard this acct XXXX.
Product: Checking or savings account

Please expedite, I possibly sent to wrong agency. 

Please investigate if possible scam/fraud. 

See below Thank you
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I the consumer was notified by XXXX that TD Auto Finance pulled my credit report from XXXX. I had no knowledge that my personal identifying information was provided to TD Auto Finance and I did not initiate or consent for an application to be submitted to this bank. I contacted TD Auto Finance only to be ignored and disregarded regarding this matter. I then received an adverse action letter On XX/XX/2024 from bank denying the application. This is unauthorized use as I did not receive any benefit from this.
Product: Debt collection

I paid in full this XXXX XXXX account but they have not updated my credit report. I have also sent copies of the paid receipt to all 3 credit bureaus and it still has not been updated.
Product: Credit reporting or other personal consumer reports

In XX/XX/2025, I filed XXXX a complaint and also notified the CFPB that my information was illegally exposed in the Equifax data breach. I submitted this complaint for the following fraudulent accounts to be removed off of my credit report in compliance with the FCRA laws and regulations ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I paid my account in full for XXXX XXXX and XXXX and they agreed to remove it from my credit report but it is still on there as a collection and a charge off. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agencies keep reporting inaccuracies on my credit file. The student loans date of last active on all three bureaus are inaccurate. The FCRA says, " 100 % accurate. '' Not 10, 20, 30, 40, or etc. 100. I am enclosing a copy of the letter I sent to all 3 bureaus with a copy what is reporting with all three agencies so you can see I am not lying. This need to be removed immediately. I will take legal action because this is not fair.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX XXXX XXXX : Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX  XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Checking or savings account

Im writing to ask for your help with US Bank dispute # XXXX to reclaim monies erroneously charged to my checking account by XXXX early XX/XX/2023 in the amount of {$490.00}. 

I filed the dispute on XX/XX/2023. US Bank requested documentation, which I provided. 

On XX/XX/2023, I received a letter from US Bank stating they were reversing the funds and closing the dispute based on insufficient information received, i.e., copies of emails and chat logs between XXXX and myself, copies of the original order with XXXX, tracking number, etc. 

I have, since XX/XX/2023, spoken with several people at US Bank. At your request, I will provide names and dates of each call. 

On XX/XX/2023, I spoke with XXXX at US Bank and was told that my case would be reopened, the funds returned to my account, and the evidence further examined. 

When I called a week later to follow up I was told XXXX should not have said she would reverse the funds because XXXX is not a case processor and that a case processor would be in touch. Please request from US Bank the recording of this call which I was told they keep on file. 

On XX/XX/2023, XXXX XXXX case processor ) left me a message outlining the information she needed to reopen the case. When I returned her call I was told that I could relay the information to the operator and that they would input it into my file. I am told this every time and every time I provide the requested info which they in turn input into the US Bank computer system. However, each time I am told that I can not be put through to a case processor and will need to wait 24-48 hours for a call back that either never comes or that I miss because I dont use a cell phone. 

This exact scenario has occurred several times ( I can provide documented names and dates at your request ), each time Im told I must wait another 24-48 hours for a call back. 

On XX/XX/2023, I spoke with XXXX at XXXX and specifically asked that the case processor ( in their voice mail to me ) leave their direct line ( which I was told by XXXX they have ) so that we can make contact. XXXX said the CP would call back within 24-48 hours and would leave this information in a voice mail. I am still waiting for this call. 

Im asking for your help in getting this case reopened, properly examined and funds ( {$490.00} ) put back in to my account. 

Please let me know if I can provide your office with any additional information or documentation. 

Thank you in advance for any assistance you may provide. 

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

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX
Product: Credit card

Apple Card by Goldman Sachs closed my account XX/XX/2023 even though I was current and had stated that I was dealing with fraud with my XXXX XXXX account which meant I couldn't pay off full balance. They still closed it without any notification. Now I have to immediately pay back the outstanding balance with no recourse and number and support is non existent
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

XXXX/loan care refuses to issue a payoff on a loan account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX Student loans Total balance : {$16000.00} DEPT OF EDUCATION/XXXX XXXXXXXX {$9000.00} Balance updated XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX {$7800.00} Balance updated XX/XX/XXXX XXXX Total balance : {$490.00} XXXX XXXX XXXXXXXX Original creditor XXXXXXXX XXXX Balance {$490.00} Balance updated XXXX XXXX XXXX  Credit cards or credit lines Total balance : {$0.00} XXXX XXXX XXXX {$0.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$3300.00} Balance updated XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice that I had fraudulent account on my report.Please remove this account from my report.It 's hurting my ability to obtain credit.
Product: Credit card or prepaid card

I have a credit card with Fidelity 2 % cash back At the start of covid 19, I was let go temporarily and notified them I may be late on a payment, however that was not the case, I made all my payments on time, and they reduce my original spending limit from {$25000.00} credit limit to {$16000.00} with no warning or no legal reasoning. I have never been late on my payments and I have good standing, I would like my credit limit restored to {$25000.00}.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B requires the removal of any incorrect accounts from my credit report. Could you check the documents, please? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Product: Credit reporting or other personal consumer reports

XXXX admitted that it was their negligence that created this problem and yet they didn't try and correct or resolve any issues associated with my credit card. 

XXXX has destroyed my credit and dropped my score over XXXX points. XXXX is aware I can't make any payments and the fees and additional interest on this card should not have been added and been taken off. 

XXXX didn't close this account as requested until they started reporting it late and adding the additional fees which at this point had negatively impacted my credit. 

XXXX XXXX  closed my account and I was not able to make any payments and I called and tried to figure out how to make this payment. 

My credit card was tied to my bank account and once it closed I was locked out of my credit card account and I tried to ask for help and make the company aware of this. 

XXXX should correct my credit report and take off any late reporting or delete the credit card completely from my credit report as this isn't my fault at all. 

XXXX can delete this account and also forgive this debt as I'm not the reason this issue occurred as they are aware they are responsible for this issue. 

I have tried to email the CEO to make his office aware of the issue that was created and how XXXX may be held liable per federal and state laws. 

XXXX needs to be reported to the FDIC as this may be an ongoing issue that is created because the card is tied to your bank account and when the account is closed you no longer have access to the card and any information related to the credit card. 

XXXX has caused me to be denied credit and/or my accounts to reduce my credit limits because of their lack of helping me resolve this issue.
Product: Debt collection

Target, I demand that you cease and desist from all forms of communication including my consumer report! My consumer report is in fact a medium! Which means its communication. I demand deletion from all consumer reporting agencies immediately sue to indirect communication! Do not send statements, do not contact me in any form, do not sell any information containing me to any third party or give my personal information to any third party. Cease and desist from reporting in writing regarding this natural person, the original creditor, that I am!
Product: Mortgage

During the application process and choosing a new home, Pulte failed to estimate taxes correctly in the Good Faith Estimate before closing and disclose the area had a special public improvement tax on top of that. The estimate we received in the GFE was in the {$200.00} range per month, and our actual as of XXXX XXXX after assessed will be {$600.00} per month. As XXXX, we would have never qualified for the loan on a $ XXXX month payment. We anticipated with our GFE, going into closing we would be at {$1500.00} per month. Our escrow estimate was completely off and we can not afford our home.
Product: Credit reporting or other personal consumer reports

Remove inquiries from equifax and XXXX credit report from XXXX XXXX. I did not authorize my credit to be ran by this dealership. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove these items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of 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

NELNET LOAN SERVICES INC XXXX {$12000.00} {$0.00} NELNET LOAN SERVICES INC XXXX {$8000.00} {$0.00} NELNET LOAN SERVICES INC XXXX {$15000.00} {$0.00} NELNET LOAN SERVICES INC XXXX {$18000.00} {$0.00} Reporting Fraudulent Payment History for the following months XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX on my XXXX, XXXX and XXXX Credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting a closed account with XXXX XXXX that is over 7 years old. This is a violation of the Fair Credit Reporting Act.