23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate removal of the following unauthorized FRAUDULENT credit inquiries from my TransUnion credit report : XXXX XXXX XXXX XXXX ( XX/XX/2025 ) 2. XXXX XXXX XXXX  ( XX/XX/2025 ) 3. XXXX XXXX ( XX/XX/2025 ) 4. XXXX XXXX (XX/XX/2025 ) 5. XXXX XXXX ( XX/XX/2025 ) These inquiries were made without my authorization and are a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically : FCRA XXXX ( XXXX U.S. CXXXXe XXXX ) : Credit inquiries can only be made with the explicit consent of the consumer or for a permissible purpose. These inquiries were unauthorized and fraudulent. 
FCRA 611 ( XXXX U.S. CXXXXe XXXX ) : As a consumer, I have the right to dispute inaccurate or fraudulent information on my credit report and expect a timely resolution. 
FCRA 609 ( XXXX U.S. CXXXXe XXXX ) : I am entitled to know who accessed my credit report and to request removal of inquiries that were unauthorized. 
1. I have never initiated or approved any applications or credit transactions with these institutions on the above-listed dates. 
2. These inquiries are causing harm to my credit profile and were conducted without my knowledge or consent, constituting identity theft or misuse of my information. 

Action Requested : I demand the immediate removal of these fraudulent inquiries from my credit report. In addition, please provide written confirmation that the inquiries have been removed. 

Supporting Documentation : Attached is my completed FTC REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax, XXXX, and XXXX, has ignored my request to provide me with the documents with SIGNATURES that their companies have on file that was used to verify these accounts I disputed. Being that they have not adequately verified these accounts under Section 611 ( 5 ) ( a ) of the FCRA -they are required to properly delete all information which can not be verified that I have disputed. Please resolve this matter. Thank you
Product: Credit reporting or other personal consumer reports

I don't recognize the addresses and I want to remove it from my credit report immediately thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove Previous employers XXXX XXXX
Product: Checking or savings account

A charge was made on my checking account for {$36.00} from a company called XXXX XXXX. This was not an authorized charge and I contacted Chase to dispute this charge. They decided for some reason that it wasnt fraud and are charging me even though I did not make this purchase. They told me there was nothing they could do and I am required to pay even though I did not make this charge and have never been to XXXX Michigan.
Product: Credit reporting or other personal consumer reports

I am try to explain what going on my credit so bad just because someone else keeps using my information in also buying staff on their my name!
Product: Credit card or prepaid card

I have paid off my balance on this card, but they have not updated my available credit with the reporting agencies for months! Many other people are having the same problem! 

What is being done to investigate Comenity bank? Their systems have been down for months now. I filed a previous complaint for not being able to utilize my card, but I received no resolution to the problem. Take a look at their XXXX  page which is filled with customer complaints and robo-responses from XXXX. What else can we do to raise the alarm? To whom else do we complain?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violates the customer financial protection act ( CFPA ) specifically Cash App failed to take timely and effective measures to prevent the address fraud for all on their platform leaving my account vulnerable and unprotected furthermore their dispute process was unfair in deceptive as they did not comply with error resolution requirements under the electronic fraud transfer act ( EFTA ) and regulation E These actions have called a significant inconvenience. And financial loss. And I seek appropriate redress for these violations
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Transunion Are all keeping mixed files in my report and I have tried to dispute addresses names phone numbers and aliases like if I were a criminal and not a consumer.
Product: Credit reporting or other personal consumer reports

ADDRESSES ARE INCORRECT AND INVALID AND SHOULD BE REMOVED FROM MY CREDIT REPORTSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, CoreLogic, XXXX, XXXX, XXXX, and XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX ). 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : XXXX Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.
Product: Credit card

In XX/XX/2024, I overlooked and missed a {$15.00} payoff. 

I contacted Synchrony Bank to make the late payment and was informed that the new payoff amount was now over {$32.00}. This increase is over 100 %! I consider this to be usurious as, per definition, a loan may be considered usurious due to excessive or abusive interest rates or other factors defined by the laws of California. 

Synchrony Bank 's front line representative, a person whose name starts with 'XXXX  ', refused to consider any corrections until I demanded to speak with a supervisor, a person whose name starts with XXXX '. 

Eventually, XXXX ' and I reached a {$17.00} figure for the payoff. 

Given XXXX XXXX resistance, those individuals who succumb to the credit threats and probable additional fines, penalties and fees are part of a gouging scheme prompted by Synchrony Bank on patrons of J.C. Penney
Product: Credit card

Hello, I need help regarding my Citi bank credit card with account number XXXX. Citi bank requested signed documents from me to verify my account. I sent them those documents, but they still closed my account. Please help me to reopen my account. I don't see a valid reason to close account if they have all signed forms, to process verification of my account.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a dispute to Equifax regarding fraudulent accounts that were added to my credit report without my knowledge or consent. The dispute package I provided included : A police report documenting the fraud, Proof of identity ( government-issued ID, Social Security card , utility bill ), A request for GAAP-compliant verification of the disputed accounts, and An FTC Identity Theft Report submitted on XX/XX/year>. 
Initially, Equifax blocked the fraudulent accounts, which was the correct action per FCRA 1681c-2. However, Equifax is now attempting to validate the fraudulent account from XXXX ( # XXXX ), despite having no valid proof or proper documentation to support the account. The XXXX account was previously reported as fraudulent in the documents I provided. 

On XX/XX/year>, Equifax claimed to have " verified '' the account but did not provide XXXX documentation or the original signed contract as required. Instead, they relied on creditor-supplied information without ensuring the accuracy and validity of the debt. This " verification '' process does not comply with FCRA, which requires that accounts reported as fraudulent be fully validated with complete documentation. 

Additionally, Equifax has continually misrepresented my name in communications, further indicating a lack of thoroughness in their investigation and processing of my dispute. Despite my efforts to correct these inaccuracies, Equifaxs continued attempts to validate an account without proper documentation have resulted in financial harm and further damage to my credit standing. 

I demand that Equifax ceases all reporting of this account and provides the XXXX verification and full original documentation of the debt. Until then, the account must be permanently removed from my credit file, and Equifax should comply fully with all FCRA and FDCPA standards.
Product: Mortgage

I filed a previous complaint # XXXX with Specialized Loan Service LLC which has now changed their name to Shellpoint which was the previous prior name. Specialized refuded our escrow to us by mistake. I filed the complaint and we were to pay the remaining balance of {$4400.00} to get escrow back where it should be and our payment would go back down to the {$5000.00}. We paid the {$4400.00} on XX/XX/year> and were told that Shellpoint would rerun the escrow analysis and our payment would go back down to the {$5000.00} for the XX/XX/year> payment. We received our statment and the payment is still at {$5500.00}. I called and they can not locate the escrow analysis and can not confirm that we paid all the escrow. I spoke to XXXX at Shellpoint on XX/XX/year>. The call was recorded. This is a scam of a mortgage company, constantly changing their names, bad reviews, scams, etc. I want my mortgage payment back down to the correct amount prior to them refunding escrow by mistake. This is their mistake. I do not want them as my mortgage company anymore how can I get another mortgage company without it costing me substantial money? Specialized Loan Service LLC and Shellpoint have done things that should not have been done on my account.
Product: Credit reporting

I have recently been informed that there is negative information reported by Experian, for a debt/charge off for {$6800.00}. from XXXX ''. I sent XXXX, ( who Experian reports as there CEO ) a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act of this " debt/charge off for {$6800.00} from XXXX '' Verification meaning competent evidence bearing my signature. Experian received my letter on XX/XX/2017. In my letter I requested for them to remove this " debt/charge off for {$6800.00}. from XXXX '' from my report if they could not provide me with competent verification with my signature. I want this " debt/charge off for {$6800.00}. from XXXX '' removed. Experian did not provide me with any competent verification of this " debt/charge off for {$6800.00} from XXXX '' bearing my signature.
Product: Credit card

On or before XX/XX/XXXX the bank informed that within 7 business days I would receive {$600.00} credit balance refund. 

I waited and around XX/XX/XXXX or XXXX, not yet having received the {$600.00} and concerned about possible lost check, I phone Citibank and I was told, ser dont ' worry, the check is not cashed yet, we will send you a new check withing 5-7 business days. 

But, on XX/XX/XXXX I received a check dated XX/XX/XXXX for {$600.00}. I called Citibank. What should I do? Should I deposit the check or should wait for the new one? In my opinion the lady answering the phone had no clue as XXXX had very difficult time explaining what happened. Obviously not at a standard that I would have expected from someone that works fir a prestigious institution as Citibank. She said ser dont worry go haed and deposit the check. The check is good. Are you sure I asked? Yes, Yes she replied. What is your name? she said my name is XXXX 

On XX/XX/XXXX I deposited the {$600.00} check at XXXX and on the XX/XX/XXXX the item was returned unpaid. 

I immediately called Citibank, again after a long explanation the lady tells me that they stopped payment on the check on XX/XX/XXXX. 

It is embarrassing for me with my bank that a check gets returned unpaid. It is very like that the bank will assess the usual return item fees. It is possible that the bank could affect my relationship with that bank negatively After my conversation on XX/XX/XXXX I really don't know where I stand? Am I receiving {$600.00}? would the check be good? would they apply to my balance? Am I receiving a second check from the second conversation and what to do with it? although, currently my balance is XXXX but I anticipate a charge of {$610.00}. I would be afraid to make any other calls that seem to make this matter even more complex. 

I am happy with card and the benefits offered, but I think a big institution as Citibank should have more qualified individuals in understanding the various dynamic that can take place with a credit card and hope to receive a response to see where I stand with this account.
Product: Credit card

Ok this is the issue, I'm very very poor, and live off of XXXX for XXXX and XXXX and XXXX XXXX. My XXXX we're not working properly as common with XXXX. So I got XXXX for about XXXX years. XXXX credit card companies gave me XXXX dollars in credit on a XXXX a month pay check. The committed fraud by not taking care of a red flag situation. I obviously should of never been given any of these cards let alone trusted to handle such debt. But they knew I owned my condo because of a inheritance so the greedy trolls all lined up to get a piece. I have no where else to live if I sold my condo to pay it then I would be XXXX because I can't afford rent. Getting on new XXXX has straightened me out but the damage was done. Your telling me they didn't think it was odd I was running up all my cards I was clearly XXXX and XXXX XXXX or XXXX XXXX no they just kept giving me the cards as if XXXX dollars a month was even enough with bills to keep a XXXX XXXX dollar card that's all I can afford this company gave me XXXX XXXX this account is XXXX $ get real a real respectful company with responsibility and a legal chance in court would of said no. I'm to blame they are to blame so debt is nul and void do to the legality of the who situation
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Please be advised that in accordance with the FCRA I am enforcing my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. The unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly '' ; but have not provided a reasonable method of verification? I request for the second time that you provide the method of verification you used along with my wet signature. A letter was never sent to my current address or verified. I requested the following information : 1. The name of the individual business address and telephone number of the person or business contacted during your reinvestigation. 
2. The name of the person who verified the dispute with the original creditor. 
3. The documentation that was used to verify the dispute to date, you have NOT provided me a copy of ANY documentation ( Hard evidence that goes all the way back to the original creditor, not verification from a third-party database including my wet signature ). 

Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). In fact, under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure. 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 Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I fully intend on enforcing my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 
Name of Account : Provide Verification XXXX XXXX XXXX ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX.XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX. I contacted the local police and the FTC about this. I also saw some inquiries on there that are not mine as well : XXXX XXXX XXXX XXXX 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

Delete all accounts reporting negatively on my credit profile. 
Delete and remove XXXX XXXX missing historical details see evidence below failed to mark account as disputed failed leave comments stating there is no balance owed and that this item was paid in full and is reported as a collections Delete and remove XXXX XXXX missing historical details last payment amount is wrong see evidence below mark as disputed Delete and remove XXXX - XXXX missing historical details see evidence below mark as disputed Delete and remove XXXX XXXXXXXX missing historical details see evidence below balance owed is incorrect delete experian neglected to provide a complete and accurate payment history delete account Remove all active fraud alerts on this credit profile Remove all restrictions on this credit profile 1. Collections XX/XX/XXXX violation I demand {$1000.00} for this FCRA violation - 15 usc 1692 G ( B ) ( failure to retain accurate and updated records. 
2. Collections XX/XX/XXXX violation - I demand {$1000.00} for this FCRA violation XXXX15 usc 1681e ( b ) inaccurate information 3. Delete and remove XXXX XXXX missing historical details see evidence below 4. Delete and remove XXXX XXXX missing historical details see evidence below 5. Delete and remove XXXX - XXXX missing historical details see evidence below 6. Delete and remove XXXX XXXXXXXX missing historical details see evidence below I do not give Experian permission ( authorization ) to report any negative item on my credit profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Texas XXXX personal information update- Remove XXXX XXXX XXXX XXXX new York XXXX delete address from credit profile Delete item Fair Credit Reporting Act, 15 U.S.C.A 1681-1681x ( west 1998 & sup.2007 ) ( fcra ) FCRA 15 U.S.C.A 1681s-2 ( a ) ( 1 ) FCRA 15 U.S.C.A 1681e ( b ) FCRA 15 U.S.C.A 1681s-2 ( b ) ( 1 ) FCRA 15 U.S.C.A 1681s-2 ( b ) ( b ) ( 3 ) ( b ) ( i ) ( iv ) FCRA 15 U.S.C.A 1681i ( a ) ( 1 ) ( a ) XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm requesting a deletion for the following charged off account listed below. XXXX  acct XXXX XXXX After checking my most recent report the updated information stated the account was purchased by XXXXXXXX XXXX acct # : XXXX. This account can not be reported as a charge off on my credit report if the account was sold to another lender. Please remove this account from my credit report.
Product: Credit card

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : BARCLAYS BANK DELAWARE XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

These accounts have violated my rights ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C.

16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account 1 : WORLD FINANCE, BALANCE {$1400.00}, there was no action taken by Transunion within 30 days after dispute was initiated. 
Account 2 : WORLD FINANCE, BALANCE {$530.00}, there was no action taken by Transunion within 30 days after dispute was initiated. 
Account 3 : DEPARTMENT OF EDUCATIONXXXX, BALANCE {$320000.00}, there was no action taken by Transunion within 30 days after dispute was initiated. 
Account 4 : DEPARTMENT OF EDUCATIONXXXX, BALANCE {$0.00}, there was no action taken by Transunion within 30 days after dispute was initiated. 
Account 5 : XXXX XXXX, BALANCE {$2500.00}, there was no action taken by Transunion within 30 days after dispute was initiated. 
Account 5 : XXXX XXXX, BALANCE {$9000.00}, there was no action taken by Transunion within 30 days after dispute was initiated.