23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I requested a credit line increase to {$2000.00} on XX/XX/2018 through American Express 's Online Credit Line Request System. I then got an email shortly after saying to call for the result of my request. I called after I read the email and was told that my request to increase my credit line to {$2000.00} was approved. I then started to make purchases on my card only to find out my credit line was {$1000.00}. I have made repeated calls to XXXX to find a resolution to their mistake. They keep running me through their phone maze, " disconnected calls '', gaslighting me into believing that conversation never happened and even having the audacity to try to explain to me how the remaining amount on my available credit is smaller than the purchase I'm trying to make. IE 2 is a bigger number than 1. I have the conversation on XX/XX/2018 recorded with their representative explicitly saying I am approved for a {$2000.00} credit line which I have attached to this ticket.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute some inaccurate information that is currently being reported on my credit report. Upon reviewing my credit report, I have identified several negative items that require immediate attention. 

Firstly, there is an account under the name of XXXXXXXX XXXX XXXX with account number XXXX. However, I do not have any record or knowledge of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report as soon as possible. 

Secondly, there is an account under the name of XXXX with account number XXXX. I find this account 's name and number questionable, and I urge you to either clarify this information or delete this account from my credit report immediately. 

Thirdly, there is an account under the name of XXXXXXXX XXXX XXXX XXXXXXXX with account number XXXX. While other bureaus have not been able to verify this account, I am surprised that it is still present on my credit report. Therefore, I request that you delete this inaccurate account immediately from my credit report. 

Fourthly, there is an account under the name of XXXX XXXX with account number XXXX. Similar to the XXXX and XXXX accounts XXXX I find the name and number of this account questionable. Therefore, I request that you either clarify this information or delete this account from my credit report. 

Lastly, there is an account under the name of XXXX with account number XXXX. As with the other accounts, I find the name and number of this account questionable. Therefore, I request that you either clarify this information or delete this account from my credit report immediately. 

I request that you investigate these accounts and take the necessary actions to correct any inaccuracies in my credit report. Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX CO, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX , has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

So I bought a car from a dealer that I had a bad credit history and they give me the car. The price of the car was. SALE PRICE OF VEHICLE {$8300.00} PROCESSING FEE {$690.00} TOTAL SELLING PRICE {$9000.00} DEPOSIT / PARTIAL PAYMENT {$1500.00} XXXX paid down payment. UNPAID BALANCE DUE {$7500.00}. Behind my back he asked the bank for the amount of {$12000.00} Finance ChargXXXX of {$6500.00} with interest rate of 22.99 % total amount of {$20000.00}. This bank and the dealer has caused me a great deal of anxiety stress, health problems. Almost homeless for the past 4 years. I have all the documentation need it to prove I have been a victim of this fraud and has cause me a great deal of distress and problems. I called the bank they agreed that there was a fraud and they have sent me a check for the amount of {$5300.00}. The bank never contacted me to confirm the loan amount with me.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Request for Deletion of XXXX XXXX Account XXXX XXXX XXXX : [ # XXXX ] {$620.00} Dear Experian, I am writing regarding a collection account that was previously deleted from my credit file but has now been reinserted without proper notice, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Under the FCRA, if an item is reinserted into a consumers credit file, the CRA must : 1. Notify the consumer in writing within five business days of the reinsertion ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) ).

2. Verify the accuracy of the information and certify that the item complies with all FCRA requirements before reinserting it ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) ). 
As I have not received any written notification of this reinsertion or evidence of verification, I demand the immediate deletion of this account from my credit file. Failure to provide proper notification of reinsertion or to verify the accuracy of the information is a violation of my rights under the FCRA. 
To facilitate the investigation, I have included the following documents : A copy of my government-issued ID ( drivers license or passport ) I request that you : 1. Delete the collection account immediately.

2. Send me written confirmation of the deletion.

3. Provide the name and contact information of the furnisher of the reinserted account if verification occurred.

If you fail to comply with my request, I will have no choice but pursue legal action to protect my rights. 
I expect a response within 30 days, as required under the FCRA. Please send all correspondence regarding this matter to the address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since completion of my Chapter XXXX Bankruptcy ( ended XX/XX/2022 ), Nationstar / Mr. Cooper has done the following : Inaccurate credit reporting. 
XXXX XXXX XXXX. 
Inaccurate Payment History. 
Reported incorrectly on credit report and failed to remove the error. 
Failed to report payments to the credit bureau. 
Credit reports pulled without knowledge or authorization, and without reason for doing so. 
Harassing and illegal debt collection and credit reporting campaign designed to pressure the homeowners into paying more than what the mortgage contract allows. 

I have attached screenshots of XXXX credit report 's " Mortgage Accounts '' Screen. Mr. Cooper has removed mortgage account which is current. A copy of the current mortgage statement is attached.
Product: Prepaid card

On Wednesday XXXX XXXX 2015 money has Been missing off my pre paid rush card my money came on my card around XXXX and ask soon ask i when to check my account i saw a transaction of XXXX dollars i didnt make. I really need that money a back on my card
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 



As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 
15 USC 1681 s-2 Says Experian, XXXX and XXXX is a furnisher of information to a consumer reporting agency. 
Experian, XXXX and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand Experian, XXXX and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something XXXX XXXX XXXX
Product: Mortgage

Mortgage servicing transferred to Fay Servicing. Apparently my mortgage also sold during Covid period to an investor who apparently does not have to continue or consider forbearance options. I have applied via Fay 's website, supplying paystubs now that I am back to work ( was out previously due to XXXX and health issues ). Unfortunately, I can not convince Fay Servicing to refinance and/ or setup a payment plan for the arrearage and balloon structure the remaining balance. This would be good for all parties. However, all I have gotten from Fay is that I do not qualify and sorry they are going going to foreclose, although no date for that yet. I am beyond upset. Please help me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Mortgage

I went shopping for a home, contacted Fairway, to do the mortgage and provide a loan interest rate that I can use as pre-approval. I talked to XXXX ( dont know her last name ) initially, I was given pre-approval of XXXX at 2.65 % rate loan. Once a home I liked was located, and our bid accepted. This is where the Bait-n-Switch takes place by Fairway. The Loan Paperwork is sent to me by email. It states I have to log into their website to fill out the forms required and lock in my rate. The loan initially discussed with XXXX on the phone was XXXX & down and no PMI if possible, if not 20 % down payment. Because of this when I went shopping for homes this is the calculator used to see if I was comfortable with that payment and that much down payment. The Loan Paperwork sent by XXXX XXXX the Loan Officer, was for 33 % down payment and my loan only good for {$150000.00} dollars. 
A little more perspective here, a 10 % down payment was {$22000.00} on a home. A 20 % down payment was {$45000.00} dollars. These two numbers I was using to figure out payment on my XXXX  website, XXXX, and or XXXX. I found and paid {$350.00} dollars to do a home inspection on a home I intended to buy. 
The actual loan paperwork sent by Fairway Loan Officer XXXX XXXX contained a Down payment of now {$75000.00}, a 33 % loan, a rate now at 2.85 % and a loan amount of only {$150000.00} No response from any person at the company at all. I attempted to call the Loan Officer XXXX XXXX on two separate occasions, got voice mail, then a text " I'll call you shortly '' and then never called back.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$53XXXX XXXX XXXX XXXX XXXX Balance : XXXX} XXXX XXXX XXXX Balance : {XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting

This complaint is against Equifax I have contact Equifax on a number of occasions of an abnormality with my credit report. It appears that XXXX different credit profiles switch back and fourth. XXXX profile showing none of my active accounts and the other showing all my accounts. 
I spoke with an FCRA attorney, the term is called " split '' profile. Meaning, I will see XXXX credit report, creditors will see another ( or in my case XXXX ). For a number a months I have disputed this requesting Equifax to fix this - however, I will get the same automated response by them sending me a new report with no new information updated or stating that the information I am disputing are not reflecting on my credit report. 
I have attached the XXXX credit reports that reflect what I am speaking of. 

This irregularity has caused me not to be granted credit - not able to see what is going on with my credit report and dispute its inaccurate information. 
There are a number of inquiries on my credit report that I did not authorized - I have already contacted each credit granting company on my report with no resolution - and I keep getting denied by Equifax and not showing proof that I authorized those inquiries. 

I would like to add, according to the FCRA attorney these mistakes that Equifax has caused me calls for compensation for my time and effort and violations that they have caused for not fully reporting my credit report.
Product: Credit card

Dear CFPB, XXXX is an online teaching platform that charges fees to both students and tutors for communication. The Premium subscription for tutors is an optional service that promises enhanced visibility and support. 

On XX/XX/year>, I purchased a Premium subscription. Although my profile ( advertisement ) was active on the site, I never received the promised higher visibility. Despite frequently searching for my own page, it was nearly impossible to find. The same tutors consistently appeared at the top of search resultsmany of whom were non-premium ( free ) members. XXXX  XXXX-based model for free memberships appears designed to pressure tutors into purchasing the Premium subscription. 

On XX/XX/year>, I received an email ( attached below ) stating that, because I had not received any studentsor even a single inquiryXXXX  was deactivating my profile, meaning students would no longer be able to find me. I immediately requested a refund, which was denied. 

On XX/XX/year>, I filed a dispute with Discover Card for the payment made to XXXX, including relevant screenshots as evidence. On XX/XX/year>, Discover denied the dispute with the explanation : " Transaction has been found to be valid. 
A decision has been reached for this investigation, and we have found that this transaction is valid. You can expect to receive information on this decision to be sent to you via mail or secure message at Discover.com. Please review this information when it arrives for important details summarizing this dispute inquiry. Please notify us as soon as possible if you wish to continue this dispute. '' I contacted Discover on or around XX/XX/year>, and again on XX/XX/year>, to continue the dispute, as their decision explanation permitted. However, I was told it would not be possible to reopen the dispute. Discover representatives provided vague and conflicting reasons for this decision, claiming that XXXX had provided proof that I had access to the site. 

To clarify : while I may have access to the XXXX platform, my profileused by students to find mewas removed by XXXX. This situation is analogous to a landlord locking a paying tenant out of their home while arguing that the lease was still active. 

I never received the higher visibility XXXX promised, nor any of the services I paid for. Credit card companies have an ethical and moral obligation to protect consumers from fraud and misleading business practices. Discover failed in this responsibility, leaving me unable to recover my funds.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because inaccurate, inconsistent, and/or unverifiable information has been reported on my credit file by one or more credit reporting agencies ( CRAs ). I have attempted to resolve these issues directly with the credit bureaus and creditors but have not received proper resolution. The errors in my credit report are in violation of several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and CFPB guidelines regarding medical debt reporting. Below is a summary of the issues and legal violations involved : Violation of FCRA 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in consumer credit reports. However, my credit report contains : Inaccurate Account Details : Discrepancies in account type ( e.g., Charge Off vs. Unknown ), past due amounts, and account statuses across Equifax, XXXX, and XXXX. 
Inconsistent Reporting : Accounts are being reported differently across the credit bureaus, which demonstrates a failure to meet accuracy standards under FCRA 1681e ( b ).

Violation of FCRA 611 ( 15 U.S.C. 1681i ) : Despite disputing the inaccuracies and inconsistencies in my credit file, the credit bureaus have failed to properly investigate and correct the errors. The law requires credit reporting agencies to : Conduct a reasonable reinvestigation of disputed items within 30 days.

Remove or correct any unverifiable or inaccurate information. The lack of resolution violates my right to an accurate and fair credit report.

Metro 2 Compliance Violations : Metro 2 compliance standards establish uniform reporting guidelines to ensure accuracy and integrity in credit reporting. The errors on my credit report suggest that creditors or data furnishers are not properly adhering to these standards, particularly regarding : Consumer Information Indicators ( CII ) : Improperly coded account statuses. 
Compliance Condition Codes ( CCC ) : Incorrect reporting of account balances, dates, and payment histories. This failure to comply with Metro 2 standards exacerbates the inaccuracies on my credit file.

Violation of CFPB Medical Debt Rule : Under the CFPBs 2025 rule, medical debt is prohibited from being included in credit reports. Despite this regulation, my credit report continues to reflect medical collections that should no longer be reported. Medical debt is often inaccurate or the result of billing disputes, and its inclusion violates both federal law and the CFPBs intent to protect consumers from unfair credit practices. My information was also impacted by the Equifax data breach. I demand these accounts be deleted immediately. Failure to address these violations and remove these accounts will result in further action, including escalation to regulatory authorities and legal remedies under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 2 years some companies and myself have been unable to access my credit report from Equifax. I have been contacting the company since then XX/XX/XXXX. I sent all requested documents that was needed by the company in order to resolve the issue. 
When I spoke to representative on XX/XX/XXXX I received confirmation that all documents were received and fulfilled what was needed of me to receive the issue. ( Report XXXX ). 

At this point the issue is causing serious harm to me and my family as I can't obtain gas and other necessary services for my primary residence
Product: Debt collection

I moved out XX/XX/2018 when they changed management, I called to inform them of the move and wasnt able to speak to the proper person. They keep sending notices when I dont owe them anything and now theyre trying to sell my information to other companies if this dont resolve the issue I will take further actions.