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

Searching my recent credit report, found out a few accounts and inquiries which I never opened before. I carefully looked all of these accounts and listed all of them in identity theft report. Sent request to investigate and remove all of them from credit report as soon as you can. I uploaded personal information like ssn and dl. I think personal info was stolen and used by someone else. all accounts are fraud. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX a Federally protected consumer informed XXXX that they are in violation of 15 U.S.C 1681a ( d ) ( 2 ) ( B ) by reporting the follow items on my consumer report. 

XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX  I received a letter stating that I owed on a student complex called " XXXX '' APARTMENTS out of XXXX, FL saying I owed them nearly {$8000.00} for the lease agreement. I applied to their place of business they approved me and the very next day they denied me I still have all the letters. So I moved on with my life thinking that everything was fine until a year later it showed up on my credit report nobody contacted me since the last time we had spoken the year before. I have called them which is under new management now and nobody has an answer to give. Just takes down my number and say we will have someone contact you. And they never get back. I do not know what conspired I just know it is making it almost impossible to get approved for anywhere to sleep with this issue being unresolved. It is a debt that I do not owe because I didn't create it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical account that was initially disputed as paid with but ultimately written off by the original facility & sold to a collection agency that is reporting it on all 3 credit bureau accounts in the amount of {$130.00} by collections agency ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX I have no contract with this agency regarding this debt {$130.00} medical ( which was previously paid ) & additionally it was disputed with the 3 credit that medical debit under {$500.00} should no longer be reported ( as of 2023 )
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts or my name on file. Please remove them.
Product: Credit reporting or other personal consumer reports

These two companies have shared inaccurate and unauthorized information to 3rd parties with no consent from the creditor which is very illegal, tarnishing the image and reputation of another without consent will harm other potential business relationships
Product: Credit card or prepaid card

I called to check my balance and my money was not there so I checked the last XXXX transactions and found out that I had been hacked so I called ( direct express ) the card company for my social security they found the same thing I did they told me they would send me a form to fill out and that I had 10 days from that day to send it back I received it 12 day later I explained I got it 2 days past the due date and mailed it back with a showing of post date that was 33 days ago I have tried to call them and they do is transfer me around and around and put me on hold for hours I have gotten no answers and none of my money back please help
Product: Credit reporting, credit repair services, or other personal consumer reports

3 months ago I sent a dispute letter for these accounts XXXX, XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX, and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ). XXXX/XXXX/TransUnion are reporting inaccurate information and they must delete the items in questions. Failure to investigate and remove the inaccurate account is causing great stress to me and my family. I read somewhere that it only takes 20 or 30 days to investigate this matter. More than 40 days have passed and nothing from this company.
Product: Credit card

I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.
Product: Credit reporting or other personal consumer reports

So I have been sick with XXXX for the last several weeks, I recently received an email from First Access Credit Card Company because I was sick it allowed a lot of interest to accrue to my account and a ton of negative tradelines to report to my credit reports.

The email sent offered a settlement amount which in turn would close the account out, I refused the offer and went with the Hardship Program they offered which was a more better option for me. And I want to thank the Representative at First Access for making this possible and dedicating the upmost best customer service that I have seen in a quiet a long time this man deserves a promotion in my book. 

But again, I need additional help
Product: Credit reporting, credit repair services, or other personal consumer reports

On (  XX/XX/2021 ), I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau, I am pretty much at my wits end here. Your job is to ensure that the information on my credit report is accurate and reporting correctly! That is the law! I know my rights and the FCRA is a law that the government put in place to ensure that you do the right thing when it comes to my credit report. 
You have blatantly ignored that! 
I am demanding that the following accounts ) be removed from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comments : Placed for collections. 

XXXX XXXX XXXX $ XXXX Comments : Account information disputed by consumer, meets FCRA requirements I am requesting that a full credit report showing these deletions be sent to me after the investigation has been completed. 
Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

pulled credit which is a very thin file and i came across 9 inquires on my credit report that i did not authorize and did not sign a contract or agreed to pulling my credit i have contacted experian on several occasions and stated by a worker name XXXX that they do not dispute inquires and i have gotten any where with them
Product: Credit reporting or other personal consumer reports

I disputed XXXX XXXX  an auto repossessed from my XXXX  credit report and was deleted on XX/XX/year> from my XXXX  report for reporting inaccurate inconsistent information on my XXXX  report.ive disputed with XXXX  and equifax and they are not doing an investigation and keep reporting this inaccurate inconsistent account. the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.XXXX XXXX is reporting inconsistent information and are repeatedly updateing a charge off and that manipulates the statue of limitations.XXXX XXXX acount # XXXX is violating my federally protected rights to privacy and confidentiality.delete immediately from my equifax and XXXX reports.and pay me {$1000.00} per violation.
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. 

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

I was a client for 4 months at {$100.00} per month, Was not getting results. I called to cancel. They agreed to let the dispute letters outstanding work through and offered no monthly fee for 2 months. 
Then they charged my credit card {$59.00} on XX/XX/2019. 

I want to cancel my account and a refund of the {$59.00}.
Product: Credit reporting or other personal consumer reports

To whome it may concern, XXXX , are In direct violation of 15 usc 1681 ( b ) ( a ) ( 2 ), Permissible Purpose for Consumer Report. I never gave them my written Consent to report credit usage on my file. Please provide a copy of written Consent if applicable.
Product: Mortgage

XXXX " XXXX Mortgage '' Flyer Disclosures/Disclaimer 1. Fine print unreadable 2. Can not obtain details of the XXXX Offer 3. Unable to obtain qualifying criteria 4. Unable to contact " XXXX XXXX XXXX XXXX '' and obtain details of " Average Executive Membership Level Savings '' claim of savings : {$5900.00} over 7 year period. 
5. NEED : General Program Disclosures - Mortgage Purchase & Refinancing is provided and operated by First Choice Loan Services Inc. ( NMLS # XXXX ), located at XXXX a wholly owned subsidiary of First Choice Bank ( NMLS # XXXX ), a XXXX XXXX XXXX bank. First Choice Bank is registered or exempt from state licensing in the states it originates mortgage loans. XXXX and its affiliates do not negotiate, arrange or make mortgage loans or lines of credit. You must be a XXXX member to participate in the Mortgage Program. First Choice Loan Services Inc. is not an agency of the federal government or the HUD/FHA. First Choice Loan Services Inc. has no affiliation with First Choice Bank, chartered and located XXXX. Licensed by the XXXX XXXX # XXXX. XXXX/XXXX/2015 *Disclaimer : The estimated savings statement is calculated over a 7-year period utilizing the following loan scenario and includes both interest and fees savings : home purchase in the State XXXX with a loan-T0-Value of 80 %, Loan Amount= {$250000.00}, Single Family, Primary Residence, XXXX, Term=30yr as of XXXX/XXXX/2015. Average Executive Membership level saving is {$5900.00}, which includes the lender fees saving as of XXXX/XXXX/2015, as compared to an average of national mortgage lenders in a comparative study conducted by XXXX XXXX XXXX XXXX individual savings may vary based on credit score, Loan-To-Value, location. XXXX membership level, and loan amount, and are subject to loan requirements and approval. XXXX/XXXX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. I dispute the XXXX XXXX account in a Charge-off status and past due balance. Specifically, the account shows as closed and opened on XX/XX/XXXX, with a balance that was updated on XX/XX/XXXX. XXXX ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of this information and requesting that you remove the account from my credit report immediately. I believe that the creditor 's reporting of a charge-off account with a balance is a violation of the Fair Credit Reporting Act. According to the FCRA, a creditor is not allowed to continue to report a charge-off account with a balance. This violation further supports my request to have the account removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the XXXX liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I don't recall having a HAND WRITTEN agreement with any of the following companies that have been reporting falsely on my credit. I don't know who any of these companies are, therefore I demand the following accounts be verified or deleted immediately. 
: XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX
Product: Money transfer, virtual currency, or money service

I used their online service on XX/XX/2025 to initiate a wire transfer to a title company to close on a house. 
When I was asked if I wanted to pay {$30.00} for same day or {$0.00} for next business day, I chose next business day not knowing that would change my transfer to ach. The title company specifically said that they don't accept ach which is why I chose to wire funds. Since it was changed to ach, the receiving bank rejected it and now I am being told it will take 1-3 business days for the funds to be back in my account so that I can then initiate a new wire transfer. I was supposed to close on the home today XX/XX/2025 and have missed this date which I had signed a contract to do. The sellers desperately needed to close today which is why I initiated the wire as soon as I received the instructions. When I called Bank of America, I was continually told it was my fault and there was nothing they could do to speed up the process. They offered to resolution other than to say it takes 1-3 business days. Because they switched it to an ach transfer without making that clear I am going to lose my earnest deposit and all of the fees I have paid up to this point to purchase the home. I spent two hours on hole on the phone with them. I went into a physical bank of america and spoke to a representative there and was told there is nothing they can do. I now have to access to my funds as they are not in the bank account of the title company, nor are they in my bank account. I asked many times if there way any way to request to speed up the process and was told no, even though they do have the option to pay to speed up ach on their website. I was then hung up on by the customer service representative.They made ni attempt to offer a solution to this situation or at the absolute minimum, offer an explanation on how the process works. I was told that they don't know how it works.
Product: Credit reporting or other personal consumer reports

Good day!

I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this
complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts and loans that are incorrect and some false on my credit report. I have addresses that are wrong and are on my credit e history. I have accounts and information that are fraudulent and are still on my credit report. I have not authorized any company to give out my information. I have disputed and reached out to these credit bureaus but have not have it removed. This is defamation of character and I can not financially take care of my family due to lack of funds and trust from lenders.
Product: Credit card or prepaid card

I have a store card with XXXX through Comenity Bank. The system does n't offer automatic payments setting, thus unless you remember to pay your card every month ( which I do n't use that often, since it 's a store card ), you 're bound to pay for the late fees. I called the bank to ask if I can set up an automatic payment, and the customer service person told me it simply was n't an option. I almost feel that the bank is doing this because it wants me to forget, so that they can gain the late fees.
Product: Checking or savings account

Merchant Name : XXXX XXXX Transaction Date : XXXX  Transaction amount : {$200.00} Reason : Never Received product/service Date Dispute submitted : XXXX  To my knowledge after many follow up attempts, NOTHING has been done to resolve this problem. Im highly upset.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX2019 I tried to get online a free annual credit-report from Equifax. I answered all of the questions correctly, but it was showing up : " We are not able to deliver your free Equifax Annual Credit Report online ''. I tried one more time, but it was showing the same. Additional it shows, that I can request it by mail, but I have to mail copies amongst other things like a XXXX-form and pay-stub with Social Security Number. Since I am XXXX, I don't have these two documents. At XXXX and XXXX I have received a couple months before online my free annual credit-report without any issues.
Product: Credit reporting or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days. 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

My personal information was compromised about 3 years ago due to Equifax 's negligence to insure reasonable security measures of all consumer personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$140.00} ; XXXX XXXX XXXX XXXX XXXXBalance : {$0.00} ; TELECOM SELF-REPORTED ( Original creditor : XXXX ) XXXX Balance : {$73.00} ; TELECOM SELF-REPORTED ( Original creditor : XXXX ) XXXX Balance : {$20.00} ; TELECOM SELF-REPORTED ( Original creditor : XXXX ) XXXX Balance : {$1100.00} ; UTILITY SELF-REPORTED ( Original creditor : XXXX ) XXXX Balance : {$250.00} ; UTILITY SELF-REPORTED ( Original creditor : XXXX ) XXXX Balance : {$40.00} ; XXXX XXXX XXXX ( Originalcreditor : XXXX XXXX XXXX ) XXXX Balance : {$720.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX .
Product: Money transfer, virtual currency, or money service

Im filing like a plane against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.