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

I am writing to formally dispute certain accounts and inquiries listed on my consumer credit report, as referenced below. These entries appear to be the result of a data breach, fraud, or unauthorized activity. I request verifiable proof, including my signature or electronic signature, for any transactions or inquiries associated with these entries. 

Please note that I am submitting this letter on my own behalf, not through a third party. I ask that you carefully review this matter, as I did not authorize these actions. These unauthorized entries represent a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), which mandates the blocking of information resulting from a data breach or fraud, and Section 604 ( 15 U.S.C. 1681b ), which defines permissible purposes for consumer reports.

I have already contacted the relevant companies and discovered that these actions were initiated without proper validation or original documentation from the reporting entities. Since I did not authorize these accounts or inquiries, they should be classified as a result of a data breach or illegal reporting by creditors or third-party data furnishers. 

I request that you conduct a thorough investigation into this matter and take the appropriate action to resolve these discrepancies as soon as possible.
Product: Debt collection

Portfolio Recovery Associates placed alleged debt on my XXXX, XXXX and XXXX credit reports without modifying me. This is a violation of the Early Warning Clause which states that debt collectors are to notify debtors in writing before placing account on consumers credit report.
Product: Money transfer, virtual currency, or money service

I went to make a payment using my Gemini account & it was rejected because my account was placed on hold.

I asked them why & they said I needed to show company invoices.

I shared the invoice details & I haven't heard back anything since.

It's been over 2 weeks now that my funds have been frozen.

I wasn't notified in advance of any concerns. They simply decided one day that my account needs to be locked.

I don't have any feedback from them in terms of reason or reasonable resolution time.
Product: Credit card

I make a purchase at XXXX XXXX company every month using their store credit card through XXXX XXXX XXXX so I set up auto pay to pay off my balance every month, but for some reasons the bank charged me 29.99 % interest charge snd {$29.00} late fee because they said I did not make a minimum balance. With all the fees and interest charges added up to {$3800.00} that even my auto pay of {$94.00} every month still didnt pay the minimum balance. They didnt send me monthly statements that I had no idea I owed that much until my credit card was declined so I called the credit card company on XX/XX/2024 and they removed one late fee of {$29.00} and one finance charges of {$63.00}. 
Theyre not trying to help me even though I asked to speak to the manager of XXXX XXXX XXXX . 
Thank you very much!
Product: Mortgage

XXXX XXXX I sent in a loan application to Resmac Mortgage for a reverse mortgage. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fl branch was the contact. i provided everything electronically. and called for updates several times. I never heard back and never got a Good Faith or any disclosure of any kind.
Product: Student loan

On XX/XX/2025, I received a call from a representative of Sunrise Credit Services regarding a debt. The representative was extremely rude, raised her voice, and did not attempt to discuss or work out a reasonable payment plan. 

She refused to listen to my financial situation and insisted on a monthly payment amount of her choosing, without any flexibility or discussion. When I asked how she obtained my personal information, she gave an answer that was clearly inaccurate and misleading, raising concerns about how my data was accessed. 

Her tone was aggressive, unprofessional, and intimidating, which made me feel pressured and uncomfortable. This behavior seems to violate the Fair Debt Collection Practices Act, and I am requesting an investigation into this matter.
Product: Credit card

Bank Of America XX/XX/XXXX XXXX Account charged off. {$6900.00} written off. {$6900.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$6900.00} XX/XX/XXXX XX/XX/XXXX {$4000.00} {$6900.00} I wanted to dispute the cards and I couldnt
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and found some hard inquiries that I do not recognize. I would appreciate it if you can help me remove these accounts off of my credit report. The hard inquiries are not mine so the information isnt accurate. I appreciate your time! I also filed a report to identify theft.gov Can you please help me this has been so stressful on me having unauthorized accounts destroying my credit. 

Unauthorized accounts Account name : XXXX XXXX  Account name : XXXX XXXX Account name : XXXX Account name : XXXX XXXX XXXX 


Under 15 USC 1681 c-2 c ( a ) The credit reporting agency must block and remove any allege pieces of information. The consumer considers identity theft within four business days of receiving the complaint. 


Thank you so much!
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

File # XXXX XXXX, XXXX XXXX I received a response from the XXXX regarding the validity of a bankruptcy that is being reported on my credit report. I have sent in multiple letter regarding this public record on my credit report. XXXX, XXXX, XXXX i also received a response from XXXX regarding the erroneous item on my credit report, each time the item came back as " verified ''. I've asked how the item was verified the only response I have got was the item was " verified ''. up on further investigation on XXXX. 

Based on the information I gathered on the website it was " LexisNexis '' that furnished the erroneous item to XXXX. This was taken directly from XXXX 's website " For bankruptcy public records collected through XX/XX/XXXX, XXXX obtained information about your bankruptcy from third-party vendor, LexisNexis. XXXX I then again contacted LexisNexis about the bankruptcy reporting on my credit report and there respond was " the item is not on my consumer report ''. Now I'm lost for words. 
Based on XXXX 's website, LexisNexis reported that unverified information to XXXX. The date my credit report was updated by XXXX was XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't Belong to me. Please remove accounts : 1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine.
Product: Credit reporting

I disputed a collection on my credit report for XXXX and received dispute results after completing the processing of my dispute results were removed/deleted. The date Experian complete dispute was XXXX XXXX, 2015. On XXXX XXXX, 2015 the collection agency, XXXX XXXX, re-reported on my credit report and they have already been removed. I do not have an account with this company nor have I received written communication from XXXX XXXX. Please assist in the removal of XXXX XXXX permanently. Thanks
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Date of Birth : XX/XX/year> SSN : XXXX To whom it may concern : Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce 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.

Despite two written requests, the unverified items 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 third time that you provide the method of verification you used. Your response should provide : The name of the individual business address and telephone number of the person or business contacted during your reinvestigation. 
The name of the person who verified the dispute with the original creditor 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 ). 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 by no later than 15 days that included information as described in Section 611 ( a ) ( 6 ) ( B ) ( iii ). Please be advised that 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 am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

XXXX XXXX : ACCOUNT NUMBER XXXX IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written. 

Delivered in the presence of : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

mr. Cooper https : //www.mrcooper.com/ This is the Company that is now servicing the loan that my Daughter and I have on a property that she lives on. We had the servicing done by XXXX which had excellent service. Both of these companies are Mortgage Servicing companies and our loan with XXXX was recently transferred to mr. Cooper. This is the company that I am, having trouble with and hope there is some branch of Government that take some action against.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in my original complaint XX/XX/2023, today is XX/XX/2023 30 days have pasted. Today makes 32 days and no my dispute was not recorded nor did it show the status of my dispute, on their website i didn't even show that i put in a dispute on the date of the XX/XX/XXXX. Both are violations and that broke the law!! 
XXXX Complaint # XXXX Equifax Complaint XXXX XXXX According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote XXXX on XX/XX/2022 and they responded with a letter that asked to verify my identity which I did on XX/XX/XXXX. I rewrote them on XX/XX/XXXX asking they remedy the situation. I asked they send a copy of the original contract and correct the negligence they've posted on my credit report in addition to sending a check for all their negligent reporting on my credit reports. Why does the CFPB have a website that is supposed to help me mediate and or completely rectify these wrong doings if they get to continue their bad business practices?
Product: Credit reporting or other personal consumer reports

During the last XXXX  XXXX, the account XXXX XXXX  XXXX ( XXXX ) has been reported as a charge-off on my credit history, resulting in a significant degradation of my profile. Upon XXXX  analysis, I noticed certain errors within the account reporting, such as data discrepancies among the XXXX credit bureaus, including report dates, opening dates, XXXX  activity, closure dates, account number, and high balance. According to my inquiries, when an account reports inconsistently among the credit bureaus, it constitutes a violation of my consumer rights. Given this situation, I decided to dispute these errors with the bureaus themselves and the original creditor via mail, but I have not received any notice or response from them. Therefore, I am proceeding with this complaint, outlining my arguments and how I believe this account is being incorrectly reported on my credit history, applying to violations of the following sections of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete. 
15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I delivered a notarized notice of revocation of any authorization ( s ) I have given XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( i ) allow the Landlord and/or Landlord 's agent XXXX disclose information about me, the resident, or my tenancy to credit reporting agencies including, but not limited to, the amount and timing of payments due pursuant to the lease including payment of monthly base rent, good behavior, problematic behavior, and any debt outstanding, which then XXXX be used in a tenant record, credit report and/or XXXX XXXX for the resident. ( ii ) any authorization given to the XXXX and/or XXXX 's XXXX to obtain resident 's consumer report, which XXXX XXXX use if attempting to collect past due rent payments, late fees, or other charges from XXXX, both during the term of the lease and thereafter. 

Under 15 U.S. Code 1681b- Permissible Purposes of consumer reports ; any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. EssXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX any of its non-affiliates ( Experian, XXXX XXXX XXXX XXXX do not have my consent or authorization to furnish a credit report without my consent. Any delinquent items reporting on my account shall be removed immediately. This includes all late payments in my consumer report under my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX well as any outstanding balances. If XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to report any unauthorized information about me to the credit bureaus, they will be doing so unlawfully and won't be in compliance with the Privacy Act of 1974. I have withdrawn all authorizations that I have given to the company to furnish and consumer report and this also applied to the credit reporting agencies.
Product: Checking or savings account

CitiBank/CitiGroup has instituted a policy that incorporates monitoring and denial of financial services to individuals and companies who are engaging in completely legal and Constitutionally-protected activity, thereby potentially limiting access to credit by law-abiding citizens based solely on political views. A summary of this policy can be found at XXXX XXXX XXXXXXXX.
Product: Credit card or prepaid card

The amazon prime credit card ( provided by chase ) will sometimes offer financing ( provided by amazon ) for items on amazon.com. 

I purchased a laptop to run engineering simulations on and after a tremendous amount of work to get it ready, placed it in my lab at the XXXX XXXX University. 

When I go to pay my bill I see I am charged the full amount ( ~ {$1000.00} ) on my amazon prime credit card. 

I asked amazon about it and they were unable to do anything about it but agreed to escalate to someone who can. I did not hear back from them so I called this morning and an honest employee said that they will not switch over to a payment plan for me. I was able to verify that I had selected the payment plan option, and they acknowledged that it is a somewhat common issue. 

This is a massive problem. Amazon shouldn't be able to control sales, shipping, financing so they can offer deals and welch on them with 0 protection for the consumer.
Product: Credit reporting or other personal consumer reports

This serves as another complaint to follow up on my recent issue concerning inquiries and the removal of inaccurate personal information. In accordance with FCRA section 605b, Credit Reporting Agencies are mandated to expunge any items referenced in an identity theft report, with mine being under reference # XXXX. Enclosed are the relevant documents to facilitate the removal of the inaccurate address and inquiries from my report. Below is a list of unauthorized account openings : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. As per FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to eliminate any items in a consumer 's file identified as information resulting from alleged identity theft within four business days of receipt.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inaequate customer servuce and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I am making this complaint against EXPERIAN Credit Bureau for failing to provide method of verification and failure to provide any explanation why the account XXXX XXXX is verified after I requested a method of verification. Experian Credit Bureau did not provide any reason or response for the verified account XXXX XXXX. They just simply sent a email stating dispute was completed no change I disputed this account several times requesting a reason why this account is on my credit report and requesting how was this account verified on my credit report. This is a violation the FCRA LAW to provide me a method of verification and original documents or contracts stating and proving this account belongs to me. This is not my account and needs to be removed immediately. I am moving forward to sue due to so many violations to my consumer rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear Equifax I am writing to dispute the following information that appears on my XXXX  consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of dispute information : XXXX Type of disputed information : Unrecognized accounts, Unrecognized address, Inaccurate name Dates associated with item being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 
I have attached a copy of my report with the accounts in question Thank you for your assistance. 


Sincerely, XXXX XXXX