23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Attempted online purchase from the Government of XXXX. Card blocked. Foreign ( Non english speaking ) representatives placed me on hold and then disconnected me 3 times. Only my name was ever asked and account security word. Called back 3 times. Card was blocked - Company states that I have to wait for a letter to arrive by mail to verify my identity as all attempts to verify me have failed. No verification steps were performed nor was I asked any questions. Company flat outright lied. Company refuesed to identify what steps can be taken to unblock the account. I am willing and able to verify any information to unblock the card but they refuse to proceed with a verification process.
Product: Credit reporting

XXXX Reported I owed XXXX XXXX an apartment complex XXXX in XXXX XXXX. I had contacted the apartment complex to find out what this is about. I had lived in a single unit apartment XXXX from XXXX to XXXX. In XXXX before the lease was up I had adopted my two nieces and had to move to a XXXX bedroom XXXX. I was there until my lease was up in XXXX. XXXX XXXX is reporting i was evicted from XXXX when they just transferred me to another unit in the same complex. They never removed the collection account from XXXX.
Product: Credit reporting or other personal consumer reports

I am speechless. Errors on my credit report are damaging my credit reputation. Equifax is in violation of the FCRA by reporting these inaccurate records.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against Transunion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/year> On date XX/XX/year>, I submitted a dispute to Transunion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I never was late in my payments. For instance, I may have made my payment on time or there may have been a clerical error. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Transunion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 
Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company charged me an high interests and i know its wrong this account was deleted and somehow reinserted back on my credit report. The statue of limitations of this loan is 6 years to collect in georgia accordinally to the Fair Debt Collections Practice Act. It was opened around XXXX/XXXX/2010 it has a balanced of {$4700.00}. I 'm aware of the breach that happened to Equifax and the other credit burears as well, I would like to have this problem solved in a timely manner bc im going on with my federal tort claim suit i didnt consent to alot of things
Product: Credit card or prepaid card

Citi sent me a letter and fraudulently closed my credit card account that I have had since 2018 stating I was not using the card as intended. I am the original creditor and was using the card as intended and am very XXXX  that the card was shutdown.
Product: Checking or savings account

A replacement debit card was requested without my consent and expedited to an address that was never associated with my account. The card was than used to make several withdrawals from my checking account at ATMs out of state. Approximately {$2000.00} was withdrawn from my account before I became aware at which point I canceled the card to prevent further issues. I submitted a claim to chase which they denied because they indicated they used my pin. I provided documentation to show I was nowhere near where the transactions occurred and my claim for unauthorized transactions was still denied.
Product: Credit reporting or other personal consumer reports

I was notice bye a letter in the mail that my personal information was stolen from a job I use to work after doing they investigation so after I contact to credited repair to found out what my information was used on after reviewing I found that a credit card two card with same company was open up and also a bank account then my credit was ran multiple times
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft and am disputing several accounts and inquiries on my credit report that I did not authorize. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete all fraudulent accounts and inquiries listed below.

Fraudulent Accounts : XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$500.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$1000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$500.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$190.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXXXX/XX/XXXX
Product: Debt collection

The companies keep calling before XXXX and after XXXX. I have let them know that the debts are not mine but they call over 20 times a day and threatening me.
Product: Debt collection

Most recently, on XX/XX/year>, XXXX XXXX sent a letter to my attorney stating that they proceeded with a foreclosure on XX/XX/XXXX and my home is XXXX. With complaints and investigations that were opened before and after that and a break in that occurred in the studio that's occupied by a renter who filed a police report, XXXX XXXX then sent a letter to my attorney dated XX/XX/year> stating that while investigations were occurring, mandatory pre foreclosure notices may still occur. This is the conflicting information I have dealt with from XXXX XXXX since they were hired to take over the loan by Bank of America. 

Bank of America is the Respondeat superior for XXXX XXXX. They are responsible for the wrongful acts of XXXX XXXX. This is new information from previous complaints that are still being investigated involving fraud with falsifying and altering information and documents that XXXX XXXX has withheld after over a year of requesting the information. In the XX/XX/XXXX letter to my attorney, XXXX XXXX also stated they are not required to provide this information and the documents I have been requesting for over a year are now confidential. These are documents for which I was charged and the information requested was to clarify information they provided that was false. The XXXX XXXX XXXX XXXX XXXX stated these documents are not confidential and it appears that XXXX XXXX is engaging in further deceptive business practices to conceal their fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX Date opened XXXX-Last reported XXXX active XX/XX/2022 XXXX XXXX XXXX Account # XXXX Date opened XXXX reported XX/XX/ Last active XXXX XXXX  Account # XXXX Date opened XXXX reported XXXX-Last active XX/XX/2022 has violated my rights. 

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.
Product: Credit reporting or other personal consumer reports

**Subject : Complaint Against Experian for Failing to Properly Investigate Unauthorized Charges Reported by XXXX  XXXX XXXX **Dear Consumer Financial Protection Bureau ( CFPB ), ** I am filing a formal complaint against Experian for failing to properly investigate and correct unauthorized charges on my credit report related to my XXXX XXXX XXXX account XXXX Given the CFPBs recent lawsuit against Experian for conducting sham investigations into consumer disputes ( [ CFPB v. Experian, XX/XX/2025 ] ( XXXX XXXX XXXX XXXX ), I believe my case is another example of their failure to comply with federal consumer protection laws.

# # # **Complaint Details : ** - **Credit Bureau Involved : ** Experian - **Financial Institution Involved : ** XXXX XXXX  XXXX XXXX XXXXAccount Number ( XXXX ) - **Issue : ** Unauthorized fraudulent charges reported by XXXX XXXX XXXX and incorrectly reflected on my credit report.

- **Dispute History : ** I previously submitted a dispute to Experian regarding these fraudulent transactions and provided supporting documentation, including a **police report**. However, Experian failed to conduct a proper investigation and instead provided a generic response without resolving the issue.

# # # **Complaint Summary : ** Experian is required by the Fair Credit Reporting Act ( FCRA ) to conduct a proper investigation and verify the accuracy of reported information. However, based on the CFPBs recent lawsuit, it is clear that Experian has been neglecting its legal duty by relying on automated processes that do not ensure accuracy. My case is a direct example of this misconduct.

Despite my submission of a **police report verifying the fraudulent activity**, Experian has continued to report inaccurate information, failing to fulfill its legal responsibility to investigate consumer disputes thoroughly. This negligence is causing ongoing harm to my credit.

# # # **Requested Actions : ** I am requesting that the CFPB intervene to ensure that Experian : 1. **Conducts a thorough and lawful investigation into my dispute, verifying information directly with XXXX XXXX XXXX rather than relying on automated responses. ** 2. **Immediately removes or corrects the fraudulent information from my credit report. ** 3. **Provides a written response detailing the outcome of their investigation. ** Experians failure to act properly is a violation of my rights under the FCRA and is negatively impacting my credit. I appreciate the CFPBs assistance in ensuring this matter is resolved fairly and in compliance with federal law.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$1.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$1.00}, XXXX XXXXXXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$3700.00} XXXXXXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I XXXX have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a public record on my credit file that does not belong to me, My name is XXXX XXXX not XXXX XXXX, and that public record has another persons name on it. I want the data furnisher which is not the court, to explain to me why is this public record on my credit file and where did they get it from. My credit file says that the company providing the bureaus with this public record information is called Lexis Nexis. I dont know who this company is and I dont know how this public record was put on my credit file. The FCRA states that a consumers credit file need to be 100 % correct without any errors. I want Lexis Nexis to delete the public record immediately.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of certain fraudulent accounts and inquiries on my credit report due to identity theft. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ). 
The following accounts have been identified as fraudulent : Accounts : XXXX. XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$5000.00} XXXX. XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$14000.00} Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries Request for Delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Delete ALL Late Payments On Accounts Below XXXX XXXX - ACCNT XXXX XXXXXXXX XXXX XXXXXXXX - ACCNT XXXX XXXX XXXX XXXX XXXX  - ACCNT XXXX XXXX Remove/Delete all Accounts bellow XXXX - ACCNT XXXX XXXXXXXX TXXXX XXXX XXXX ACCNT XXXX XXXX XXXX, XXXX. ACCNT XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX I sent a request for debt validation to the debt collector ( XXXX XXXX XXXX ). On XX/XX/XXXX they have not sent me a debt validation. They have missed the XXXX validation deadline and as such, I need the credit Bureau to remove the collection from my credit report. As is my right under the Fair Debt Collections Practices Act. ( FDCPA )
Product: Credit reporting or other personal consumer reports

This is my six 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$20000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX 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

My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation.

The following late payment remarks require immediate correction : Company Name : XXXX - Account # : XXXX I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.
Product: Credit reporting

Since my bankruptcy discharge, XXXX XXXX, 2016. I have disputed incorrect information on my credit reports through all XXXX major credit bureaus multiple times online over the past 3 months. This is becoming very frustrating and although all XXXX CB 's with each complaint, did slightly alter some information such as " chapter XXXX '' when I filed chapter XXXX, the post bankruptcy reporting is not per the Fair Credit Reporting act. All XXXX of the accounts still showing as negative, charged off, are keeping my scores in low XXXX 's. As well at my debt to income isnt accurate. Please assist me in this step of my attempted credit repair?
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and request that the following accounts and inquiries be blocked and deleted from my credit report, pursuant to 15 USC 1681c- 2 ( a ) and FCRA XXXX ( b ) : Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

I have an American Express gift card, and I have a balance of {$48.00} and everywhere I use the card I keep getting a decline transaction or invalid card when I obviously have a balance
Product: Credit reporting or other personal consumer reports

Recently I Looked At Copy Of Credit Report And Noticed Several Inaccuracies On My Account. This Account Is Hurting My Ability To Obtain Credit. It Is My Understanding That You Will Investigate These Items For Me to Ensure Accuracy Here Is The Items I Am Asking To Verify As Accurate Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Both of my parents XXXX in 2017. They are the mortgage holders on the property at XXXX XXXX XXXX XXXX, WI XXXX. Mr. Cooper is the mortgage holder on my dads property. I have sent in the necessary documents and mads many attempts to talk to a supervisor n the account. They keep saying that didn't get my email when it shows that it was received. They keep sending my payments back to me. Mr. Cooper has started the foreclosure process on the house. I keep getting different answers from different representatives. I am currently in probate court. There is no state law or statue that states you have to a become " successor of interest '' through the court system. Mr. Cooper is requesting court documents that show I am the successor of interest.
Product: Payday loan, title loan, or personal loan

I am a XXXX XXXX XXXX XXXX XXXX. I am a gun owner. My personal bank, the Bank of America ( BoA ), is discriminating against me as a law abiding gun owner. 

Bank of America is using their enormous market power to discriminate against customers, like me, based on lawful firearm-related business activities.
Product: Credit reporting or other personal consumer reports

I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 

I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.
Product: Debt collection

I just received a response regarding a previous complaint. The response contained attachments relating to named, XXXX XXXX, who is obviously not me. 

Not only is this irresponsible and egregious, sharing personal information of another consumer is just ridiculous and careless. 

All of the attachments belonging to XXXX XXXX are attached. 

XXXX XXXX