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

I am submitting a complaint regarding inaccurate information on my credit report provided by TransUnion. I have identified several inaccuracies that I have disputed, but my concerns have not been adequately addressed. 

Inaccuracy # XXXX : XXXX XXXX Inquiries XXXX Description : I never authorized this lender to make a hard inquiry on my credit report. 

Inaccuracy # XXXX : XXXX XXXX  XXXX Inquiries XXXX Description : I never authorized this lender to make a hard inquiry on my credit report. 

Inaccuracy # XXXX : XXXXXXXX XXXX  Inquiries XXXX Description : I never authorized this lender to make a hard inquiry on my credit report. 

Inaccuracy # XXXX : XXXX XXXX  XXXX Inquiries XXXX Description : I never authorized this lender to make a hard inquiry on my credit report. 

Inaccuracy # XXXX : XXXX Inquiries XXXX Description : I never authorized this lender to make a hard inquiry on my credit report. 

Inaccuracy # XXXX : XXXX  XXXX Inquiries XXXX Description : I never authorized this lender to make a hard inquiry on my credit report. 

Inaccuracy # XXXX : XXXX XXXX  XXXX Inquiries XXXX Description : I never authorized this lender to make a hard inquiry on my credit report. 

Inaccuracy # XXXX : XXXX XXXX Inquiries XXXX Description : I never authorized this lender to make a hard inquiry on my credit report. 


I have made multiple attempts to resolve these issues directly with the agency, including submitting documentation to support my claims. However, the agency has not provided satisfactory responses or corrected the inaccuracies. 

This complaint is based on potential violations of the following laws and regulations : XXXX. Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX. XXXX et seq. ) : XXXX. Under the FCRA, consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies are required to investigate disputes and correct any inaccuracies. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) ( XXXX XXXX. XXXX et seq. ) : XXXX. If any of the inaccuracies relate to debt collection, the FDCPA prohibits unfair practices in the collection of consumer debts. 
XXXX. XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX XXXX. XXXX et seq. ) : XXXX. This act grants the CFPB authority to oversee and enforce compliance with consumer protection laws, including those related to credit reporting. 
XXXX. Truth in Lending Act ( XXXX ) ( XXXX XXXX. XXXX et seq. ) : XXXX. If applicable, this act requires lenders to provide clear and accurate information about credit terms and costs. 

I am particularly concerned about the lack of transparency in the verification process and the impact these inaccuracies have on my XXXX XXXX and financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

If we the people are essentially forced into trusting credit reporting agencies with critical personal data, at the very least we should be allowed free freezes and thaws on our credit when their colossal XXXX ups threaten the financial security of millions of Americans. Not even going into the issue of how social security numbers are misused in this country and how fragile that entire system is. There 's no reason Equifax should be allowed to profit off credit freezes and identity protection after they leaked the personal data.
Product: Credit card or prepaid card

The credit card company billed extra charges that were not on the on the contract, a bill was made every month a year after the last date of the regular repayment cycle. The credit card company continues to send bills for a amount over the original credit amount that was agree and paid in the original contract time frame. A second closing date closed the account without notification after speaking to them about missing money. 

It is suspected to be fraudulent activity. 

My card balance is missing at lease {$80.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding an inaccurate bankruptcy report on my credit file, which has been verified by the credit bureaus through XXXX XXXX. This misinformation has caused significant distress and financial hardship for me, as it has negatively impacted my XXXX XXXX and ability to access credit. Upon discovering the bankruptcy report, I was told by the credit bureau company to immediately contacted XXXX XXXX to request clarification on how this information was verified. To my surprise, XXXX XXXX informed me that they had verified the information through XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ), an online service that provides access to federal court records. However, XXXX explicitly stated that they are not affiliated with XXXX XXXX and do not contact consumer reporting and credit reporting agencies. XXXX  's sole function is to provide access to federal court records. 

On XXXX XXXX I also received a letter from XXXX stating the bankruptcy information reported was unverifiable have been removed from their files.
Product: Student loan

I have tried to make XXXX payments on my loan to the Aidvantage company and all three times they have made a reversal payment. I was very careful to verify my bank account information when making my purchases. Because of that I have a late payment and because of that more interest accumulates so I want it to appear as if I had paid on time. 

I have not contacted them directly but I have searched for information online and cases appear with similar problems where the company only blames the person or the bank and I really do not try to go through that process to waste my time. Someone else fixed the situation by submitting a complaint here and that is what I want to do. 

The dates of the attempts to pay were : XX/XX/2023, XX/XX/2023 and XX/XX/2023. 

I have the XXXX emails that Aidvantage sends with payment confirmations. 

My bank account is with XXXX XXXX XXXX XXXX XXXX, with routing number XXXX.
Product: Debt collection

I am filing this complaint because I was sued by a debt collector, Pressler, Felt and Warshaw seven days before I ever received a legally required debt validation notice. The letter I eventually received was dated XX/XX/2025, but it arrived on XX/XX/2025 in an envelope with a private postage meter showing the same backdated date. I believe this was an intentional attempt to circumvent the FDCPAs 30-day dispute period. To make matters worse, the certified mail from the court summons showed as delivered to an individual '', but it was in my mailbox but I never signed for it. The postal carrier forged my signature on the green card, his supervisor confirmed this and a formal investigation is now underway with the XXXX police, XXXX XXXX. This combination of deception, forgery, and lack of due process has caused me significant distress, and I believe the debt collector acted unlawfully in initiating a lawsuit without first properly notifying me and honoring my legal rights. I have all envelops and letters.
Product: Money transfer, virtual currency, or money service

I recently have had my cash App card ending in XXXX information stolen and unauthorized purchases have been attempted to be taken out of my account. After reporting the card and issuing another card, I've had numerous different reoccurring charges I've already set up priorly on that old card attempt to go through and have had some actually go through when I was unaware of the issue. My activities tab which informs me of recent transactions doesn't actually give accurate information when put into comparison of my actual monthly cash App statements. I thought it was an issue of malware just on a specific device, but the issue has translated literally onto any device I've signed in on the account from. Prime example of my issue, It says in my activities tab that I was refunded on XX/XX/year> {$420.00} when I know for a fact that Sunday I never received that refund from XXXX XXXX XXXX ( XXXX ), but actually received the refund on XX/XX/year>. Most importantly I remember specifically regarding this refund it didn't even initially show up either on my activities tab until days later but showed up in my current balance of my cash app account. I know that my payments for certain things are also different than what are shown also, and other purchases aren't even listed at all for me to find that I purchased.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy. 
( 1 ) DepedXXXX # XXXX {$21000.00} ( 2 ) DepedXXXX # XXXX {$12000.00} ( 3 ) DepedXXXX # XXXX {$10000.00} ( 4 ) DepedXXXX # XXXX {$7700.00} ( 5 ) DepedXXXX # XXXX {$7400.00} ( 6 ) DepedXXXX # XXXX {$7100.00} ( 7 ) DepedXXXX # XXXX {$5900.00} ( 8 ) DepedXXXX # XXXX {$5700.00} ( 9 ) DepedXXXX # XXXX {$5500.00} ( 10 ) DepedXXXX # XXXX {$5500.00} ( 11 ) DepedXXXX # XXXX {$5300.00} ( 12 ) DepedXXXX  # XXXX {$4500.00} ( 13 ) DepedXXXX  # XXXX {$3500.00} ( 14 ) DepedXXXX # XXXX {$1300.00}. 
15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting 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. 1681s-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: Student loan

On XX/XX/2013, I made my final payment of {$390.00} to ACS/XXXX and closed the account. Recently, after being denied for a credit card due to having an account in the late pay status, I discovered that even though the account is closed and fully paid, ACS/XXXX is reporting to the credit agencies that I am currently 60 days past due date. I have filed disputes with the credit reporting agencies, and spoken directly on the phone with customer service with ACS/XXXX. No correction has been made. I am not disputing any late or missed payments, only that Current Pay Status should indicate that the entire loan has been paid.
Product: Credit reporting or other personal consumer reports

I discovered many unauthorized inquiries on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I discovered that I am a victim of identity theft, there are fraudulent accounts I did not open on my credit report. This has caused me significant distress and hardship. These fraudulent accounts are hurting me deeply, preventing me from improving my quality of life for myself and my family. As a first-generation American born to immigrant parents who came here seeking a better life, this situation is devastating. It feels as though the credit bureaus and creditors are not taking my plight seriously, possibly due to the commonality of XXXX names, which smacks of discriminatory practices contrary to the Equal Credit Opportunity Act. In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681, 15 U.S.C. 1681i sections 611, 15 U.S.C. 1681s-2 sections 623, 15 U.S.C 1681 section 602 A, and 15 U.S.C. 1681s-2 ( A ) ( 1 ). Please delete the fraudulent accounts immediately. In addition to correcting the inaccurate information, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to request validation of this debt. Specifically, I request that you provide the following : A copy of the original contract or agreement that I allegedly signed, which substantiates the debt.

A detailed account of how the amount being reported was calculated, including any fees, interest, or other charges.

Proof that you have the legal right to collect on this debt, including documentation that shows your ownership or authorization to collect this debt.

I believe these fraudulent activities are a direct result of the Equifax data breach which led to XXXX, XXXX, and Equifax having inaccurate accounts on my report. Despite being affected by this breach. This failure to notify me has left me vulnerable and unprepared to address the fraudulent activities in a timely manner.
Product: Credit card

I applied for and received a Care Credit Card XX/XX/XXXX. My understanding was that if I paid my balance in full by the deadline - XX/XX/XXXX - I would accrue no interest. I have made regular payments, and when I had a late payment I paid the late fee along with the payment. I have never exceeded the limit of what I was told was the limit of my promotional balance. 
On XX/XX/XXXX I submitted what I believed to be my final payment. For the first time ever, I did not receive a confirmation email. My payment was deducted from my account. 
When I called customer service this morning I was told that I had paid my promotional balance - but still owe {$2.00} on it. However, I have another balance, which is accruing interest at 26 %. The man said that the promotion balance was a separate matter. He said I still owed on XXXX balances from this year ; I wrote down what the balances are, but then as we spoke he kept giving me different balance amounts. 
In short, I feel deceived and frustrated. I do not object to paying what I owe, but I do not think I should owe interest on what was supposed to be an interest-free account.
Product: Credit card

The bottom line is I am being charged {$6300.00} for money I never received from a flex loan from my Citi Thank You Preferred card. Here are the facts : In XXXX I applied for a flex loan of {$6300.00}. When I received an email stating that it was approved, I saw online that the money had not been deposited into my account, but that I was being charged for it on my credit card. I called customer service and spoke with a supervisor in Kentucky, who said the money had been deposited into my account. When I insisted that it had not, she asked for my checking account number and verified that I was indeed correct. She then told me she would launch an investigation into the issue, but she said she could not remove the charge at that time. 

After several more phone calls over the next few weeks, with everyone agreeing I did not receive the money, I told Citi to please cancel my loan application. I no longer wanted the money ; I just wanted the charge removed. To my delight the loan and the charge were both cancelled the next day. 

Unfortunately, that is not the end of the story. When I checked my account online on XX/XX/XXXX, I saw that the credit of {$6300.00} that had been issued to my account was reversed, and I was again being charged for money I never received. I Citi again and spoke with XXXX who told me to check with my branch, but after conferring with a colleague, told me the investigation is ongoing, and that it is Citi 's practice to reverse a credit if it is not resolved within a certain amount of time. 

Since then, I sent a letter to my broker, who said he sent it on to the right people, phoned Citi several times, and spoke to XXXX ( supervisor ) in XXXX. She promised to get back to me but never did. 

Yesterday, XX/XX/XXXX, I received a letter from Citi stating that they can not cancel the flex plan because it was already processed. I phoned Citi and spoke to XXXX, who was lovely and promised to get my information to the right people and ask them to get back to me. 

I am also being charged interest on this non-existent loan, and the charge has been reported to the three credit reporting agencies. I did register a dispute with the three agencies on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS PERTAINING TO A PREVIOUS COMPLAINT # XXXX I HAVE DISPUTED THE INFORMATION THAT IS BEING FALSELY REPORTED ON MY CREDIT REPORT. THIS WAS PREVIOUSLY DISPUTED AND THE COMPANY RESPONDED THAT THEY FOUND AN INQUIRY BY ME FOR A BUSINESS CARD. I INFORMED THEM THAT THIS WAS NOT MY INQUIRY AND TO SHOW VERIFICATION OF THE INQUIRY BEING MADE BY ME. THEY GAVE ME NO PROOF OR VERIFICATION OR ANY INFORMATION ON HOW THEY CAME UP WITH PROOF THAT THIS WAS MINE. I HAVE NO KNOWLEDGE OF ANY BUSINESS ACCOUNT AS THEY STATED I WOULD LIKE FOR THIS TO BE REMOVED FROM MY REPORT. I WOULD LIKE FOR THEM TO SHOW ME PROOF THAT THIS INQUIRY BELONGED TO ME. 

INQUIRY US BANK XX/XX/22
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$590.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$590.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sure you receive several complaints so I will try to make this short and concise. Since XXXX of this year I've been attempting to have incorrect information on my credit removed and corrected from my credit report. The credit bureaus are reporting a XXXX  XXXX XXXX  account which is over 7 years old and they are reporting a bankruptcy which is 10 years old. All I want is for them to remove these accounts from my credit report and fix them.
Product: Debt collection

This complaint is an ongoing issue with " Portfolio Recovery Associates , LLC ''. This company is continuing to report a debt that I did not create, to all three credit bureaus. A fraud report was sent to the FTC regarding this account as well. 

A " XXXX XXXX account, account # XXXX '' In addition, They are reporting and attempting to collect on another fraudulent debt regarding my deceased mother. My mother became deceased on XX/XX/2019 ( see exhibit 3 ). Exhibits 4a thru 4f shows the many letters that I and my family have continued to receive from this company, which is being addressed to my mother. 

A " XXXX XXXX account also, account # XXXX '' My mother never opened any credit card accounts since the mid XXXX 's and that account was an XXXX XXXX XXXX card. First and foremost my mother has never used a computer in her life ( which was the only way this account could have been established, there are no XXXX XXXX physical offices in our area ) and was in her late XXXX 's when she passed away. 

Portfolio Recovery Associates , LLC do not have any ideal of the validity of the accounts they buy in bulk. This company 's business model is completely broken, most importantly, they're continuing to violate my rights under the Fair Debt Collection Practices Act and now they are violating my families rights and the legacy of my deceased mother. There's absolutely no legitimate information that could possibly connect my mother to opening any credit card accounts after the mid XXXX 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint again to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not removing or blocking an account per FCRA regulations when I submitted an identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records.There is 1 account reporting to Equifax which is fraudulent and I'd like it removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law and I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional and physical health.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX  XXXX Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  ) Account number : XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX, NV XXXX 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: Debt collection

They are contacting and harassing family members and friends and have illegally made them the guarantor of my lease and put my debt on their credit reports without them ever having signed or consented to anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the account XXXX XXXX  XXXX XXXX with Experian and XXXX for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.