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

I, XXXX XXXX XXXX, am victim of identity theft and attached below is my FTC identity theft report. i fully authorize this notice and compliance. i have also mailed all respective CRA 's my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, identity theft : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL INQUIRIES PLEASE LOOK AT ATTACHED DOCUMENTS FOR PROPER INSTRUCTIONS THANK YOU
Product: Credit card

I noticed that my rewards points were not the XXXX  % cash back on all purchases in which I agreed to use my credit card under and they were being charged at XXXX % cash back. Upon inquiring about this change, the credit card issuer said they sent me an email back in XXXX- however I never received any email notice and the agent told me they didn't have any record of sending me the email either after I asked them to forward me proof of sending the notice of change. For several months I used my rewards card thinking I would get XXXX  % back on my purchases but I come to find out I was not, I didn't get any notice at all from the credit card issuer of this change. I am requesting the remaining XXXX % cash back rewards on my balance that I had paid since the policy change happened.
Product: Credit reporting or other personal consumer reports

Lexis Nexis is reporting inaccurate information on my credit report concerning a bankruptcy. The U.S. Bankruptcy Court does not report case information to credit reporting agencies per the attached letter from the Court.

Specifically, Lexis Nexis is reporting account numbers that are different. The credit reporting agencies have all indicated that the information was verified by Lexis Nexis, not the U.S. Bankruptcy Court. Lexis Nexis has indicated that it used information from PACER, not the Court. The information is different and inaccurate. Please see attached. 

The credit reporting agencies are using information that Lexis Nexis purchased from a disinterested third party that is unreliable, incomplete and inaccurate. 

Since it did not get the information from the Bankruptcy Court and the court doesnt report case information to Lexis Nexis, it has verified inaccurate information and the credit reporting agencies have used this information willfully and negligently. A violation of the statute.
Product: Credit reporting or other personal consumer reports

I have done 2 round of letters by certified mail to each credit beauru, letting them know that my accounts are incorrect and it is damaging my credit. They said that they verified the information and it is correct which is 100 % false. So now I am hoping yall can escalate this further. I started this process last year and mailed the second round 30 days later. The total of the accounts that I disputed is about XXXX $
Product: Prepaid card

The system had some type of clitch and left me with no access to my account or money. Because of the problem I have lost my apartment because I could n't pay my rent.
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you that I have been a victim of identity theft, which has resulted in multiple fraudulent entries on my credit report. These 3 accounts and 31 inquiries were added without my awareness or permission. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX - XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX I have filed an identity theft report with the Federal Trade Commission ( FTC ) and am requesting the prompt removal of these fraudulent items to ensure the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries and asked the bureaus to remove them, but they did not comply with my request. In confirmation, I provide a report of identity theft, which I will attach to this letter. Here is a list of credit requests that I do not approve : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom it concerns, It has been brought to my attention that XXXX XXXX XXXX has been dishonest in there reporting of a trade line, I have disputed this trade line through each of the XXXX Bureaus with no resolution. When speaking with XXXX XXXX Services Directly they have refused to provide me with the reporting information related to this trade line. 

The Responsibility of this trade line was joint at the time of opening, Now is showing on my now Ex-Wife 's credit as Contractually Liable as well as the reported payment history has been cut off at XXXX of XXXX, Ironically XXXX of XXXX is the exact time frame that she had departed with the vehicle to start her new life in another state. XXXX also stated that they have a physical address listed on the account that would have only been able to obtain by speaking with her directly. Its is for these reason that i know that XXXX has spoken with my Ex-wife and has altered there reporting of this trade line to her credit. 

Through the process of our divorce this asset was ordered to be her soul responsibility and i was to be held free and clear of this debt. In XXXX of XXXX her father paid this loan off in full, since then they has sold the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to the credit bureaus about a collection ( CAPSTONE CREDIT & COLL ) name and have not received a response back or any results
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Product: Debt collection

I have sent letters, sent emails even called and have not recieved any results.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are 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. 





XXXX XXXX
Product: Debt collection

I do not know who Helvey & Associates are nor have I ever done business with them or been lent any my by this agency for me to owe such debt. AS A CONSUMER, I do not agree with this debt on my report as I never signed anything with such agency.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Phone : XXXX Email : XXXX Social Security Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX : XXXX of Unauthorized Credit Inquiries Request for Deletion To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries that appear on my credit report. I did not authorize these inquiries, and I am requesting that they be removed immediately. 

The inquiries in question are : XXXX inquiries XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX inquiries XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Factual Data XX/XX/XXXX I did not authorize these companies to access my credit information, and as such, these inquiries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you investigate these unauthorized inquiries and remove them from my credit report. 

Enclosed is a copy of my credit report with the unauthorized inquiries highlighted for your reference. Please notify me in writing once the inquiries have been removed or if you need further information to process my dispute. 

Thank you for your prompt attention to this matter. 

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

I have asked XXXX and XXXX and Equifax to remove all of these inquiries from my credit report. I did not apply for the 61 inquiries within a six month. Please remove them. They have yet to do cell after admitting this is very unusual and they would take care of it, they have not. They still show on my credit report.
Product: Debt collection

These folks at XXXX of Florida is again claiming that I owe them. I filed a complaint against them here some time ago. I got an XXXX from them that caused me XXXX and so I brought it back to them and did not return there. XXXX. When I went by their offices, they accepted my insurance and additional payments that they required. I simply paid these people to hurt my XXXX and if that was not bad enough, they now have defamatory/derogatory mark on my credit report insisting that I owe them. 

Their representative First Federal Credit Control of XXXX XXXX XXXX XXXX, XXXX OH. XXXX XXXX XXXX, wrote to me. I replied to them requesting verification of this debt and the contact information for the XXXX of Florida. I did not hear back from them.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX . Account- XXXX. They are reporting that I owe {$10000.00} since XX/XX/2016. They are reporting false information on my credit report to all 3 major bureaus including 3rd party credit reports. They are harassing me and ruining my credit with false and inaccurate information. Please CFPB, help do a thorough investigation with these people. Its really overwhelming when they are trying to steal money from good people. The 3 major bureaus are not doing a thorough investigation which they are illegally  sending out false information back to me. Please have them remove this item away into their pockets. Thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/2017, I sent XXXX XXXX an email about sending Bitcoin Cash ( BCH ) to a Bitcoin address ( BTC ). 

I thought I was sending to a BCH address but it was a BTC address all along. Usually when these things happen, the company has access to the private key of the address. I emailed XXXX and asked if they had access to retrieving my funds and they confirmed that they could, but it would take a " maximum of 90 days. '' I waited 90 days, then 100, then 130, all the while emailing them and asking them the status of my retrieval. They have given me excuse after excuse as to why they haven't found the time ( this retrieval would honestly take 5 minutes using even a mildly competent developer ).

It has now been about 200 days since I've first opened my support ticket. I've sent over 50 emails to them, they've responded to many. But it's now been 30 days since I emailed them asking about my funds and they have since stopped responding completely.

The total value of these funds were at one point XXXX. They have now dropped to about XXXX. I'm fine with that but I just want my funds back. This is ridiculous. 

This situation has brought me to tears because these funds could completely eliminate my student loan debt - I've told them - and they are non-compliant with my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccuracies that require your attention. My basis for disputing these accounts are the lack of sufficient information provided by your agency to verify the debt in question. Both XXXX and XXXX, other credit bureaus, have already corrected the inaccuracies in these accounts on their records due to identified errors. I find it perplexing that your agency has verified these accounts while the other bureaus have updated them. Therefore, I request that you rectify these accounts in my credit file as they are inaccurate, erroneous, incomplete, or unverifiable. 



Specifically, I dispute these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Wells Fargo took out over XXXX worth of overdraft fees for payment that were already processed. 


This does not include dipping in my trust fund that included XXXX of my trust money disappearing then being locked out of my account and then wells Fargo stating that they dont know what happens to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Still showing statements from SANTANDER CONSUMER USA on experian credit report with a balance of {$22000.00} and a past due amount of {$10000.00} from XXXX XXXX, 2016 which is inaccurate information on my report because I have been a victim of identity theft ...
Product: Debt collection

Aldous and Associates a lawfirm in Utah is trying to charge me {$850.00} for a XXXX 's gym account that I do not owe for. I was a victim of identity theft years ago, which I file a police report for, it XXXX have something todo with that. My social security number has also been used fraudulently on the " Dark Web '' with is also reported on my credit report. The dates listed for the membership are false, and the XXXX in question is closed at the location, XXXX has been closed for years. This report should be taken off my credit, and the debt erased.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am submitting this CFPB Complaint to follow up the inquiry dispute process. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act XXXX. Again, this action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate, if possible please REMOVE the inquiries in question. I never authorized such action and this constitutes a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence or remove immediately for non-compliance. Under the laws of the FCRA, the Credit Bureaus are required by the FCRA to follow up with the creditor. Please see the list of the Inquiries below : **EQUIFAX** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

InXX/XX/XXXXXXXX 2017, I entered a written dispute with CLEAR SPRING LOAN SERVICING reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, CLEAR SPRING LOAN SERVICING was attempting to collect a debt for which antiquated my credit profile by more than XXXX years. Moreover, said account appears twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 

CLEAR SPRING LOAN SERVICING failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with CLEAR SPRING LOAN SERVICING an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. CLEAR SPRING LOAN SERVICING failed to report said debt as disputed and failed to conduct an investigation into my allegations of antiquated credit reporting. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 

A review of records compiled by the state Division of Financial Services in Florida indicates that CLEAR SPRING LOAN SERVICING is not currently licensed to conduct business pursuant to section 559, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to CLEAR SPRING LOAN SERVICING have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of antiquated reporting. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of antiquated reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022, Equifax has consistently refused to remove a fraudulent collections account ( XXXX XXXX XXXX from my credit report. 

I have disputed the account multiple times and submitted online the report that I filed with the FTC back in XXXX 2022. But the company continues to refuse the removal of this one fraudulent account. Equifax claims that no documents have been received.

However, I submitted an FTC report online multiple times. 

On Friday, XXXX XXXX, 2022, I submitted another online dispute regarding this account ( XXXX XXXX ), along with documents. This account has not been removed. 

Also on Friday I filed another dispute over the phone regarding a third fraudulent account ( XXXX XXXX, XXXX XXXX ) on my credit report. It has been removed as of XXXX XXXX, 2022 without any documentation submitted to Equifax on my end. 

Today, Sunday, XXXX XXXX, 2022, I have had 4 heated calls with customer reps who have lied and told me that they are unable to remove the XXXX XXXX account from my report. One rep said the account it's been " validated '' as mine when it's not. One agent hanged up the phone on me. Another agent lied to me about transferring my call to a supervisor. Another agent confirmed there are no supervisors on site and refused to provide information regarding the department assessing disputes. 

Equifax is not resolving the problem, just creating additional problems for me and lying about their business practices. And most likely they have created this problem in the first place thanks to their data breach. XXXX XXXX appears to me implicated in a data breach this year as well. 

I want them to be investigated.
Product: Credit reporting or other personal consumer reports

I am filing a complaint agains tTransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I have marked as inaccurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I purchased tickets to a broadway show, same day, via the capital one entertainment portal with my capital one credit card. I did this directly through the capital one app on my phone. I intended to pay roughly {$570.00}, but instead we were charged XXXX and XXXX XXXX XXXXXXXX. I do not know how this happened. As soon as I got the confirmation receipt, I noticed. I was boarding a flight to XXXX XXXX. I did manage to get ahold of both the bank and capital one entertainment. they told me there was nothing that could be done, including an immediate refund. By the time I landed, I got to the show right as it started and went to it. After the show, I called and spoke to several different representatives who all said there was nothing that could be done. I verbalized that this was a billing error. I then went to the capital one cafe and a physical banking location. They called customer service with us, and we spent about an hour and a half. I finally gave up, and am disputing the transaction as a billing error. I am fine paying {$570.00} for the show of course, but I want my miles back. Otherwise, I suppose I will need a full refund as this is clearly an error on their part, and I made a good faith effort to rectify it.