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

Hello, I have 2 XXXX XXXX accounts on my credit report that are reporting inaccurate information on my credit report. I have contacted XXXX XXXX XXXX and the 3 credit bureaus.

I found 2 different American Express accounts with the same account numbers. 

Different account balances across the 3 credit bureau 's. XXXX XXXX XXXX XXXX XXXX with account credit limits of XXXX and XXXX being reported. 

Since discovering these inaccuracies I wrote XXXX XXXX XXXX and XXXX XXXX credit bureau 's . I asked for original contracts and deletions. In return I received information stating everything is correct. A statement and letter saying everything is verified. 

I have been sending letters since XX/XX/2022. I never received anything with my signature only letters that came after 30 days. 

I disputed the information and in the remarks on my credit report it states that its resolved when it is not.
Product: Mortgage

I started a refinance process with Freedom Mortgage back in XX/XX/2020, at their offer, and it has costs me over 100 points off my credit score, access to other credit sources, and months of wasted time and effort. Because of their constant mistakes, negligence, non action to correct, and refusal to communicate with me, I'm submitting a complaint outside of their organization to force them to respond and remedy this situation. Closing took 3 attempts because they couldn't get my name spelled correctly and they are now pretty much ignoring me since the loan closed. We're in the middle of a worldwide pandemic and this company could care less how they're impacting both my monetary well being and physical health. I've tried to work with them, constantly calling and emailing, but all I get each time is " a manager will call you back ''. It's been 7 months with no relief in sight. I have experienced severe damages and will continue to suffer damages now and in the future. I see they've been in trouble before and I'm not sure why the VA continues to allow them to work with service members and veterans. They clearly don't value our business or care anything about how our families are impacted by their negligent practices.
Product: Credit reporting or other personal consumer reports

I have called Equifax multiple times- They say there is no one I can talk to in the human trafficking or legal department- They say there is no email option No phone option No special case manager or handler for human trafficking disputes. 
They say there is no way to ask what information is missing or needed, even though I have provided everything. 

The emails are not monitored, and I can not email them back at all. 
There is no phone number to call the legal department or human trafficking department. 
This is not being handled with care. 

I have included the determination from XXXX - I can include one from XXXX non as well,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor, Express  Account XXXX has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been in dishonor for years. I have proof that Ive attempted to satisfy the debt obligation. Ive sent a registered security years ago. It was kept and account still not properly closed and settled. Letters ignored etc. 

By this account being on my credit report. It is effecting my way of living. Effecting my ability to obtain credit to purchase my first home. Refusal of discharge by law is automatic discharge. I want this off my credit immediately. Or I will file a js4 Civil Sheet. Along with filing a complaint with the SEC. For keeping my security. 1099-Cs never processed properly as well. 

Nel net shouldve never transferred or sold the debt to XXXX. 2018 I sent in tender of payment. It obviously was ignored. Which is automatic discharge.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours 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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( file no. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting

i tried to order my credit report from experian on line and they could not verify my information, when i then orderd in the mail they sent me someone elses credit report that does not belong to me, i now have someone elses personal information
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( CFPA ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX XXXX against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX  Date Assigned XX/XX/scrub>, 2024 Original Amount Owed {$7300.00} Amount {$7300.00} Status Date XX/XX/XXXX24, 2024Collection XXXX XXXX XXXX XXXX  Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX XXXX, 2024 Original Amount Owed {$440.00} Amount {$440.00} Status Date XXXX XXXX, 2024 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX : {$11000.00} ; XXXX XXXX XXXX : {$3000.00} ; XXXX  XXXX Balance XXXX {$3200.00} ; XXXX XXXX XXXX : {$6800.00} ; XXXX XXXX XXXX : {$7900.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$5400.00} ; XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$890.00} ; XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$26000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OK XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Applied for a Capital One Spark business card and was only approved for {$500.00}. As a tenured and valued credit card holder of two Capital One credit card accounts, this is a disgrace and a very small limit.
Product: Credit card or prepaid card

I had 2 accounts with Capital One that went seriously delinquent due to the pandemic. This put a restriction on use for both the cards. I started a payment plan to get back on track in which I was told would lift the restrictions. My lower lines restriction was lifted after I paid it down. On my higher credit line, I have been making on-time payments for about a year now and I just paid the entries balance of {$1200.00} in full on XX/XX/XXXX. I called today to see what else needs to be done to lift the restriction and the CSR informed me that there was nothing more I can do. Im confused, does this mean my account has been closed? I dont understand why Capital One would keep the account open but restrict usage. I have an auto loan and another card with Capital One and I dont understand why my account is being treated in this way. They offered me an auto loan 3 months ago yet they do not want to allow me access to my credit card? As a consumer, there was no way I could foresee the XXXX pandemic. I believe I have done everything in my power to make amends with Capital One, I dont understand the runaround.
Product: Debt collection

Prime Recovery LLC and XXXX XXXX and Attorney XXXX XXXX XXXX Phone : ( XXXX ) XXXX ( XXXX ) XXXX Address : Prime Recovery LLC XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX Fl XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- I am requesting an escalation to the FTC to include a full investigation into the unlawful and deceptive business practices of Prime Recovery LLC, XXXX XXXX, and Attorney XXXX XXXX XXXX. Currently I am being harassed by Prime Recovery LLC, owned by XXXX XXXX, with Attorney XXXX XXXX XXXX as a partner in committing unlawful debt collection practices. The letters they flood my home mailbox, the phone calls, and other correspondence they attack me, my family, and my roommates with forcefully attempt to collect on a debt held by their office and they tell me that they have filed multiple lawsuits against me in court even though I already have verified that they received the notices I mailed them containing cease and desist letters to each of their correspondence addresses. In addition to those notices, I also verified they received the separate letters advising that I am having to file a bankruptcy and Im getting together my filing fees. In order for his company ( XXXX XXXX and Prime Recovery LLC XXXX to fraudulently obtain a default judgement, they lie outright and deny any receipt of my correspondence and continue to aggressively collect on a debt held by their offices. In the process of their profane and aggressive collection efforts before and after receiving my cease and desist requests with notification of bankruptcy intent ; they have exposed my private financial issues to estranged family members and my roommates. Their actions have put an agonizing amount of stress on me and ruined my mental health state. I have also escalated a formal complaint to the Virginia State Attorney Generals office for investigation into the business dealings of both Prime Recovery LLC, and Attorney XXXX XXXX XXXX in my state. After consulting with a legal advocate attorney who is handling other complaints against Prime Recovery LLC, I intend to seek all options through class action or individual suit including any compensation available to me based on the array of evidence I have accrued that documents in full detail their continued aggressive harassment, their collection agents abuse and coercion using lawsuits against me, intimidation and blatant disregard for the protective laws in place by flat out refusing to abide by my cease and desist requests even after receiving notice of my intent to file bankruptcy.
Product: Credit card

I believe that I have been taken for a ride in an online business scam. When attempting to report this I have been directed to your website and I am hoping that with your assistance I can dispute charges that were paid to companies for what I now believe is an online scam. I do n't think it is fair that I can not dispute charges over 60 days old and I have been advised that this 60 day limit is not applicable since these charges are not billing errors. Earlier this year and throughout this year I have paid a several companies for various products and services that have either not been delivered or are different from that which was described. The charges that I wish to dispute on my Bank of America card are {$900.00} and {$99.00} per month in a total of {$290.00} both charged by a company called XXXX.I tried to contact the company directly several times and they do not return my calls or answer my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian on multiple occasions beginning in XXXX - XXXX. Experian has failed accurately report information pertaining to an account listed as XXXX XXXX XXXX on my credit report. Experian 's most recent update XXXX XX/XX/XXXX XXXX still contains inaccurate details on my credit report, it shows that the payments were deferred on the account which is not true. It also shows that the account is charged off however ; it does not reflect previous payment history. I have asked Experian to provide details on how they have verified the information reporting on my credit report. They have not responded. I have asked Experian repeatedly to remove inaccurate information from my credit file. Experian has failed to do so.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXXXX
Product: Debt collection

XX/XX/XXXX was the first initial contact with a family member of mine about this debt, then on XXXX the XXXX I requested a validation letter over the phone and on XXXX the XXXX I requested a validation letter by certified mail. After not hearing from them after sending the debt validation letter I assumed that they were unable to prove this debt actually belonged to me, as I don't believe that it does since I've only been to this office five times and paid on my bill every time I went. I sent a failure to validate letter by certified mail on XXXX the XXXX stating that " As of today, you have failed to respond to my requests. For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on XXXXSince you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 
I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. The next time that I received any communication from this company was on XX/XX/2020 when it was put on my credit report.
Product: Credit reporting or other personal consumer reports

There are inaccurate inquires listed on my Transunion credit report that do not belong there. 
XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Debt collection

A Representative of ARA continues to call & harass me over a time-barred debt with XXXX XXXX XXXX. I have been threatened with law suit filing and have continued to advise that this debt was disposed of 15+ years ago. I have asked the representative to cease and desist yet they continue to harass me with threatening phone calls.
Product: Credit reporting

There was a complaint filed against a collection agency ( XXXX ). This agency continues to reinsert a collection account to my credit report. The agency was provided with supporting documentation in regards to NOT OWING monies to XXXX. The dispute yielded a remark of " account information disputed by consumer, meets FCRA requirements ''. 
Still, the recent addition has brought my credit scores lower. I am tired of having to continuously challenge this agency 's abusive practices. I would like for actions to be addressed and reprimanded according to the consumer and credit protection laws.
Product: Credit reporting or other personal consumer reports

This dent does not belonh to me. I still have an acct with XXXX that is current. Not sure who this acct belongs to
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification from a few of my Credit morning service that Commonwealth Financial XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX had added something negative to my report for {$67.00}, with a open date of XX/XX/2019, I have never received anything from this company, they are fraudulently reporting accounts that does not belong to people to collect money. The account does not belong to me. I have never received anything from anyone saying I owed {$67.00} for anything. I called commonwealth and they advised me of the alleged company that reported this, I called that company and they informed me that they do not have any accounts past due or current, also even if an account was sent to collections it would still show in their system. This should not be on my report, and should be removed! Commonwealth Financial does not licensed in the state of Florida and have no right to even collect on any debt in Florida! Please look into this company their reviews by thousands of people they are committing fraud against. Please help me becaus this is not right!
Product: Credit reporting or other personal consumer reports

Theres information on my report as Im affected by the Equifax data breach. Please check the information involved in the Equifax data breach. I have attached my documents below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 


XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Delete this account. 





XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I sent fraud dispute to Experian on XX/XX/year> with picture ID, Social security card, FTC fraud report and proof of address with written dispute with my signature on the dispute requesting Immediate block on fraudulent account. Experian responded with refusal letter dated XX/XX/year> that Experian was not going to investigate my dispute. Experian claims that the dispute was not sent by me. I'm requesting Experian investigate my dispute for fraud. Requesting Experian send evidence this dispute was not sent by me.
Product: Money transfer, virtual currency, or money service

I purchased a 3d printer from XXXX. I waited a week, I received the tool box I ordered for the printer but no printer. I contacted XXXX through email and phone with no response, multiple times. I filed a dispute with cash app. They stated 45 days for a resolution. After 50 days, I contacted cash app through phone and chat support atleast 5 different times. Spoke to a superviser who promised he would get to the bottom of my dispute and get back to me. This was a week ago. They refuse to answer any questions I ask about it or send me an email giving me an update way past the alloted time they gave me to have this dispute done.
Product: Credit card or prepaid card

Complaint : American Express / American Express XXXX XXXX - Purchased XX/XX/XXXX Originally purchases on-line vis Amex XXXX XXXX Purchase via my Amex Card... 
XXXX Card was delivered then lost. 
AMEX XXXX  Ref Number ( Case # ) XXXX Amex Receipt Number XXXX ( my receipt ) After many attempts and after being told by Amex XXXX that replacement was sent on XX/XX/XXXX none has been received. Told it takes 30 days. Have waited more than 30 days still no response. Contacted today XX/XX/XXXX and was asked to start this process again... 

Can you help