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

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Late Payment : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX  - XX/XX/XXXX XXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es XXXX : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Employers : XXXX XXXX  Also Known As : XXXX XXXX
Product: Credit card or prepaid card

My account is suspended at the moment. I have recently tried to get it in good standing and making payments to pay off the balance. I was told that there is no guarantee that the suspension will come off once paid. I asked, is this written anywhere that speaks about this and was told no. It is worded differently to cover that. I stated that it should be written somewhere as a disclaimer. I stated that it is very misleading to send emails saying, " let us help you get your account up to date ''. This would lead one to believe, once balance is paid, your account will be unsuspended. It doesn't state otherwise.
Product: Prepaid card

I ordered a XXXX Tablet for {$53.00} at XXXX on XXXX XXXX and ended up cancelling it the same day. XXXX confirmed that they sent the money back and that I would have to contact my bank about the matter. I did and they continued to tell me to contact XXXX and that there was nothing that they could do. So I did and XXXX referred me back to Bank of America because they are the only ones that can release the hold. I contacted the bank yesterday and they told me it could take up to 3 days for the money to show up on my accont. I told the teller it was the XXXX day and she said it should be released by the end of the day. I then called Bank of America today when I saw it was not released and I was told that they could not find the purchase of file a claim because the {$53.00} sent to XXXX was not able to take the money out of the account due to problems with my card and then the story changed to it was automatically refunded and to check my transactions on line by the claims department supervisor named XXXX XXXX. XXXX was very rude and talked over me. She also told XXXX a lie instead of trying to find out about my daughters child support money.
Product: Credit reporting or other personal consumer reports

On XX/XX/2025 I received an alert that there was a change to my XXXX, TransUnion and XXXX Credit Report. When I signed into each XXXX of my credit bureau online accounts I noticed that there was a report of XXXX accounts that were reporting without my permission. XXXX account is XXXX XXXX XXXX and another for XXXX. According to the Fair Credit Act ( FCRA ) Section 605B, it is illegal to report information on my credit report without my permission. I did not give XXXX Permission to report this on my credit profile and has attached the screenshot of the notification I received as well. I disputed the information however XXXX, TransUnion and XXXX has failed to comply. Things affecting my ability to obtain sufficient and fair due process to credit because of this
Product: Checking or savings account

I had my phone stolen I filed dispute they denied it I appealed it I had police report, the arrest paperwork, the bank statement to them, state attorney wrote letter they told me nope and there's nothing I can do as they were laughing putting me on mute if I didn't get hung up on I mean why isn't the phone in XXXX with the real XXXX, XXXX, XXXX what a joke when they say American names your allowing other country to insult us deny us of our money and your ok with this my XXXX XXXX XXXX and I was trying to XXXX  them while fighting this it's been almost a year I'm not stopping chime you should be ashamed of your self to treat us this way I will see you in court I even have the state and law enforcement behind me your going to definitely pay for this your theives I think those workers over there are taking our money closing accounts and really who checking NO ONE XXXX XXXX  YOUR THIEVES BUT IM GOING TO ATTY GENERAL THE HIGHEST LEGAL POSITION I CAN TO PROVE SOMETHING WRONG IN YOUR COMPANY I HAVE RECORDED PHONE CALLS AND WROTE EVERYTHING DOWN I AM SO XXXX I WANT MY XXXX DOLLARS BACK I WORKED MY XXXX OFF FOR THAT TO HELP ME PUT MY DAUGHTERS TO REST AND YOUR BANK HAD ME BEGGING FOR HELP ALWHILE YOU STOLE WHAT COULD OF HELP ME YOU PEOPLE ABSOLUTELY MAKE ME SICK TO MY stomach.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX XXXX I received a telephone call from Jacob Law Group , I was not home at teh time to receive the call. XX/XX/XXXX I received a letter from the same company stating that I had a debt from XXXX XXXX bank in the amont of {$2100.00}. I called the number on the letter and spoke with a lady named XXXX. She went on to inform me that she had contacted my job XXXX and verified emplyment. First of all no one at the particular center has the authority to validate employment. I asked who did she speak with ad she hesistated and told me the HR department. I called the HR department sad they had not spoken with anyone to verify my employment. She went on to tell me that I needed to pay the amount in full and she saw that my cosigner had a car in her name and if she had a car she should be able to go and get an installment loan for {$2000.00} at the bank and pay the bill and I pay the {$150.00}. I explained to her that this was my mother she was XXXX years old and since XX/XX/XXXX has had some credit issues. I offered to make installment payments but she would accept teh offer. I am afraid that htey will upset my mother who has XXXX as I do myself. She went on to ask how much I made per month and noted that they could take at least {$400.00} a month from me and that I did not want that. She was quite harsh. I had XXXX on XX/XX/XXXX and I amcurrently off work and under the care of my doctor.
Product: Checking or savings account

A Chase Bank check was mailed to me dated XXXX for {$4000.00}. The check was stolen from the mail. An individual fraudulently appended their name to the check and cashed it at XXXX XXXX XXXX XXXX in XXXX, California on XXXX. The individual was a member of XXXX XXXX XXXX XXXX. All three financial institutions are accusing each other of inaction related to retrieving and returning the funds. I have spoken with XXXX XXXX of XXXX XXXX XXXX and XXXX XXXX of JPMorgan Chase. I spoke with JPMorgan Chase Fraud on XXXX and they will not provide me with a substantive update. I have filed a similar complaint with NCUA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  On XX/XX/XXXX I requested an investigation into this account. You did not fix the errors. Then on XX/XX/XXXX I requested a re-investigation into this account, and it is still incomplete and inaccurate. On XX/XX/XXXX I pointed out this account shows that it has been charged off every month for an entire year. An account can only be charged off one time. In addition to this being charged off, I would like to report that you show this account is showing 120 days in both XX/XX/XXXX and XX/XX/XXXX which is not accurate. According to FCRA statutes, accounts need to either be accurate or deleted. So please fix or delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Update my personal information and delete the accounts that are violating the FCRA
Product: Credit reporting

I never resided at XXXX ever and I believe that I requested that the address be removed and it still appears on my report
Product: Credit reporting or other personal consumer reports

This account is Identity theft, Discover has been informed multiple times. Discover has misled in regards of the fraud process, documentation proving identity theft was provided and also sent via mailed format. My name is NOT XXXX XXXX, I am NOT and never have been associated to XXXX, my address is NOT XXXX XXXX XXXX XXXX XXXX XXXX I have never been associated to said address. This is discrimination and misleading on Discovers part, I am now being harassed my Discover, Representatives have failed to resolve correctly. This is also racism as I am XXXX. I have been more than cooperative, providing every document requested by Discover yet they have not marked this as fraud, leaving the possibility open for whoever stole my social and committed this atrocity to potentially reuse their services, unacceptable. This is Negligent and Discover needs to be stopped. 
Additionally all credit bureau XXXX, XXXX, XXXX violated the Fair Credit Reporting Act. 
Discover, XXXX, XXXX, XXXX are negligent non-compliance, 15 U.S.C. 1681o. 
Please delete this account immediately from my credit reports.
Product: Debt collection

While viewing my credit reports as I often do I was surprised to find that a company I had previously had an issue with LVNV Funding LLC was reporting that I owed XXXX and the original creditor was XXXX  XXXX. On XXXX XX/XX/year> I sen

t LVNV Funding a Debt Validation Letter demanding that they validate the debt pursuant to The Fair Debt Collections Act and The Fair Credit Reporting Act. Instead of Complying with these demands for validation of the debt, LVNV Funding LLC had Resurgent the alleged collector for LVNV Funding LLC the alleged current owner of the debt send me a computer printout of the alleged debt I owed in the amount of XXXX but there was no supporting documentation to prove that I owed the debt, LVNV Funding LLC never sent the proper documentation to validate the debt. Here are the documents I requested to validate the debt.

1.A copy of a signed written agreement between myself and the original creditor/ debt holder whereby I agreed to pay the original creditor/ debt holder for services, products etc. it provided.

2. An accounting ledger showing dates that services, products etc.

were provided The services, products etc. provided.

The charge for each service, product etc. provided.

And dates and amounts of any payments received.

3. Copies of any and all correspondence with regard to this alleged account Copies of said correspondence including but not limited to correspondence between the original creditor / debt holder and myself.

4.A copy of their licence to collect bad debts in Missisippi where I currently reside.

5. 6. Their state bond number Also even though I requested validation of the debt, LVNV Funding LLC continued to attempt to collect the debt by contacting me by mail and reporting the alleged debt on all three of my credit reports during the validation demand and even currently although the debt was never properly validated pursuant to the Fair Debt Collection Practices Act and The Fair Credit Reporting Act. Therefore I am requesting that LVNV Funding LLC remove this false inaccurate and misleading deragatory information from all three Credit Bureaus including but not limited to XXXX, XXXX and XXXX. 

Also I am requesting that LVNV Funding And Resurgent be barred from purchasing and collecting on any consumer debts anywhere in the United States, Respectfully Yours XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX  XXXX XXXX XXXX, Enhanced Recovery, and XXXX XXXX XXXXXXXX. The Account Opened is XXXX XXXX XXXX Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Enhanced Recovery Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$72.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$390.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Debt collection

I am writing to you to express my serious concerns and dissatisfaction with the response provided by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to my original complaint filed with your bureau ( CFPB Case # : XXXX ). The response I received is not only unsatisfactory but also appears to contain misleading or false information, which exacerbates my situation and distress. Firstly, XXXX XXXX XXXX claims that they sent me a letter, which I have never received. Furthermore, there is no record of such a letter in the USPS mail tracking system, suggesting that the claim of sending the letter is false. This not only misleads the CFPB but also violates my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ). Secondly, the lack of proper validation of the alleged debt, and the failure of the agency to provide clear and accurate information, has left me in a state of uncertainty and frustration. The agencies have failed to provide substantial evidence that substantiates their claim, making it impossible for me to take appropriate action or defend my position. Given these circumstances, I urge the Consumer Financial Protection Bureau to take a more in-depth look into this matter. The behavior of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX raises serious questions about their compliance with federal laws designed to protect consumers from unfair and deceptive practices. I request a thorough investigation into their conduct and appropriate action to ensure compliance with the law. Furthermore, I seek guidance on how to proceed under these circumstances. The distress and potential harm caused by these unsubstantiated claims and the lack of transparency in their communication are matters of great concern.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint to EQUIFAX regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, PA XXXX. My date of birth is XXXX, and the last XXXX digits of my social security number are XXXX. The FTC report numbers associated with this complaint are XXXX and XXXX have identified likely mendacious and certainly unproven complaint-reported inquiries and accounts on my credit file that has no permissible or authorization made by my person of free will. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.
Product: Debt collection

The original issue was with XXXX  We moved and asked for a simple movers package. First the technician went to the old address. Then once he arrived at our correct new address, I elected to go wireless for a one time fee. The agreed upon monthly amount was for about {$120.00}. The first bill after a month or so was for about {$1200.00}. Naturally I called and argued with the representative until it was agreed on that if I pay my $ 125 monthly amount the billing issue would be fixed. The next billing cycle landed me a bill of about {$600.00}! I had to call and complain again until it was agreed upon that if I paid the {$120.00} my service would not be disconnected. The Next billing cycle had arrived along with a bill for around {$300.00}!!! I called AGAIN to complain about their service and the billing debacle, but this time I told the representative to just forget it and to cancel the contract. At this time I also drafted a letter and sent it stating that I wanted to cancel due to a breach of contract on their part by not charging the {$120.00} as agreed upon. The letter was sent to them by certified mail with a return receipt, but I might not be able to find the receipt after all of this time. I also told them that I don't work for them and if they want their equipment, they need to send a technician to pick it up. I never heard anything else so I thought it was over. I did threaten to file a fraud complaint but never did since I thought it was resolved. Then a collection agency started trying to collect on an account that I had cancelled. I keep receiving letters on a regular basis from different agencies with a " deal '' that if I can pay just half or so, it'll be all better. I don't feel that I have to pay anyone for a cancelled contract. And I don't believe that this should be on my credit report at all, I consider this an FDCPA violation and outright fraud. 
The original letter to XXXX and a copy of the latest collection letter will be uploaded soon.
Product: Debt collection

On XX/XX/2022 I pulled my consumer report to find ProCollect Inc is reporting inaccurate information on my consumer report on XX/XX/2022 I sent a letter ( USPS Tracking # XXXX ) requesting to validate the alleged debt. On XX/XX/2022 ProCollect Inc responded with a letter dated XX/XX/2022 alleging that the debt was valid without the requested documents to validate the alleged debt.
Product: Credit card or prepaid card

On XXXX XXXX, I tried to change my auto payment for the balance of my chase card to a specific payment amount. 

I thought the auto payment would not be completed that month with my one time payment information submitted. 

Both payments went through and I suffered a number of overdraft fees as a result. 

I think chase should make fact that the auto pay feature does not turn off when you make a one time payment more clear on their website, as this turned out a very expensive piece of information for me.
Product: Credit reporting

5 things that were previously deleted from my report were added back this month which includes a BANKRUPTCY, XXXX COLLECTION ACCOUNTS and several inquiries. These were previously disputed and deleted. 
the collections were XXXX, XXXX accounts and XXXX and the bankruptcy.
Product: Credit reporting or other personal consumer reports

I reviewed my report and identified inaccuracies. I submitted a letter to XXXX on XX/XX/2024. However, it has been over 35 days, and there has been no response from the credit bureaus. This exceeds the time limit specified in 15 USC 1681i ( a ) ( 1 ) ( A ), indicating a violation. In summary, under 15 USC 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the completeness or accuracy of any information in their consumer file with a consumer reporting agency, the agency must, free of charge, conduct a reasonable reinvestigation. This process aims to determine the accuracy of the disputed information and update the current status within 30 days of receiving the consumer 's dispute notification. The agency may also delete the disputed item from the file if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian declined my credit at XXXX Bank because they would not release my credit freeze. I froze my credit with the 3 credit bureaus in 2018. I was able to release XXXX and XXXX   with one telephone call. I called Experian 5 times on Saturday XX/XX/XXXX and 4 times on Monday XXXX XXXX. I HAVE MY PIN ISSUED BY EXPERIAN WHEN I FROZE MY CREDIT ON XX/XX/2018 -- -I also went on Experians website to try to temporarily release my credit for 1 week so I could get the XXXX Bank credit card. 
There is not a person I can talk to.even though on Monday I called at XXXX in the afternoon, when they state it is their business hours. 

I have a good credit score and EXPERIAN IS JEOPARDIZING MY CREDIT BECAUSE OF THEIR ACTIONS.
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 {$810.00}, {$0.00}, {$690.00}, {$590.00}. 
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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$810.00} -This is not my account. 

-- REAL ESTATE LOAN 2. XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$690.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$590.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing this complaint to have three credit cards taking off my credit report, my identity has been used and my information has ended up on the dark web, I want these accounts deleted from my file before I file a ftc identity theft report, I found that these cards are on 3 credit bureaus I did not open these cards because they are fraud I want them removed from all three credit reports, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these companies used my information to open these accounts in my name please removed these accounts immediately, Im filing through the consumer financial protection bureau because XXXX and Experian has rude customer service and Im tired of of being hung up on, please get this done for me and please no excuse
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a breath of security and my information was reported to be part of this breach according to their breach information webpage. XXXX put their trust in these companies without a choice. These companies are responsible for keeping this information safe a private. 

I have filed for a freeze through Equifax 's freeze request website and paid the {$3.00} to do so on XXXX/XXXX/17.