23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Huntington National bank started a program called standby cash they offered me a line of credit at {$1000.00} beginning of XXXX. I used {$600.00} set up payments. The next week they dropped the line credit amount to {$250.00}! then reported to all credit bureaus that I was overutilizing my credit by 274 % this dropped my scores by 40 points! I am in the middle of purchasing a house. I called and made a complaint immediately, they said the system determines the amounts. The system can change the allotted credit amount. I had never heard back I call today, the supervisor says it states in documents when accept the line of credit can change. I would never have thought that they would decrease the line, then report me as negative and impact me in this way. I am infuriated and this is unfair credit reporting and practice.
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copyof my XXXX XXXX consumer credit report sent to me via mail.
Product: Checking or savings account

I transfered XXXX in total to marcus account in XXXX. Recently I found the account is locked. So I called Marcus, they said they need to contact XXXX and let me wait. I recalled after ~ week. they said the account is closed and will mail me the XXXX check. I waited for another week. But didn't receive the check. 
I called them again, now they are telling me they haven't mail me the check yet. And I need to call XXXX, which is the bank I tranferred money from, to recall these transactions. 

After contacted XXXX and I called back Marcus. they now tell me that they are waiting for chase to reply them with a phone call and out me to wait. 

I asked them are a XXXX to get my fund back. they said they can't provide me that. 

I need to use the money since the mid of XXXX and Marcus has been kept my money for very long. And they can't even let me know when I can get my money back
Product: Credit reporting or other personal consumer reports

Your Full Name ] [ Your Address ] [ Your City, State, ZIP Code ] [ Your Date of Birth ] [ Your Social Security Number ] [ Date ] Credit Bureau Name [ Credit Bureau Address ] [ Credit Bureau City, State, ZIP Code ] Subject : Request for Correction of Personal Information Dear [ Credit Bureau Name ], I recently reviewed my credit report and found incorrect names and addresses listed. To ensure the accuracy of my report, please update my personal information as follows : 1. My Name : My legal name is [ Your First Name ] [ Your Last Name ]. Please remove any other names, as they are incorrect and not associated with me.

2. My Address : Please ensure my address is correctly listed. My accurate address is : [ Address Line 1 ] [ City, State, ZIP Code ] Additionally, please remove all other references to addresses that are not associated with me.

Once these updates have been completed, I kindly request that you send me an updated copy of my credit report for verification.

Thank you for your time and assistance. 

Sincerely, [ Your Full Name ]
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand to XXXX for the immediate removal of the inaccurate and fraudulent Kikoff Lending account, Account No : XXXX, from my XXXX credit report. The account is being reported inaccurately with late payments for XX/XX/year> and XX/XX/year>, which violates FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ). This section clearly states that a consumer report does not include any report containing information solely regarding payment history or utilization between the individual and the company making the report. Therefore, the reporting of these late payments is not only unlawful but constitutes a direct violation of federal law.

Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), I demand that XXXX block this fraudulent information within 4 business days as required by law. The reporting of this account and its associated derogatory remarks is both fraudulent and harmful to my credit.

Under FCRA 1681e ( b ), you are required to maintain reasonable procedures to ensure the maximum possible accuracy of consumer information. The information being reported by XXXX is inaccurate and unverifiable, violating FCRA 1681i ( a ) ( 1 ) ( A ), which mandates that inaccurate or unverifiable information must be corrected or deleted within 30 days. Given the seriousness of this issue, I demand the immediate removal of this account within 14 days of receiving this letter. 

Noncompliance with this request will be considered a willful violation of FCRA 1681n, entitling me to statutory and punitive damages. If this issue is not resolved promptly, I will escalate the matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action. 

Please provide written confirmation that this account and its associated derogatory remarks have been permanently removed from my XXXX credit report within 14 days of receipt of this letter. 

These letters are now clear about which bureau they are directed to ( XXXX or XXXX ) and are stronger in tone. When sent to the CFPB, they will clearly indicate which letter corresponds to which bureau. 

Please remove the inaccurate late payments for XXXX and XX/XX/year> for account XXXX from my credit report & stop reporting account XXXX to my XXXX credit report. Reporting this violates FCRA 1681a ( 2 ) ( A ) ( i ). I demand immediate correction.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies on my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that my report is accurate without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FRCA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFCBs recent administrative proceeding ( File no 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax compliance with federal law and provides consumers with necessary proof of investigations.
Product: Credit reporting or other personal consumer reports

This is a request for validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ). I'm asking for proof of my obligation to pay and evidence that I am the party you're seeking payment from. This isn't a request for verifying my address, but a formal demand for validation.

If your company or the company you represent continues to report invalidated information to credit bureaus, it may constitute fraud. I'm prepared to take legal action for any violation of the FDCPA.

If you're able to provide the required documentation within 30 days, I'll review it. During this period, all collection activities must stop. If you fail to respond, all references to this account must be removed from my credit file.

Please provide the following : Agreement authorizing collection on this debt.

Agreement with my signature agreeing to pay the creditor.

Any insurance claims or judgments related to this account.

Creditor 's name and address.

Debtor 's name and address.

Alleged account number, debt amount, and payable date.

Verification of debt assignment or sale.

Detailed accounting of the debt.

Commission information for successful collections.

If any part of this request is incomplete, it will not be considered. Please allow 30 days for processing once I receive this information.
Product: Debt collection

I found a product online that supposedly improves brain and mind function. I decided to purchase the supplement for {$6.00} or something along those lines. I made the purchase on XX/XX/XXXX and the item showed up some time later. The other day I got the mail and I pulled out a debt collector trying to collect {$110.00} for something related to this company. The amount is substantially higher at {$110.00}. I have not heard or seen anything related to the company after receiving the item that I paid for. I did not receive any additional bills, correspondence, or items. Upon contacting the debt collector and explaining my situation they were extremely unhelpful, rude, and unprofessional. I was told to XXXX XXXX, that i had a XXXX attitude, that I was lying about receiving additional product ( s ), and was hung up on by three different people. I was under the impression I was paying for the product one time which I did. One of the employees told me " you need to watch what you click agree to next time ''. I haven't been given any information about what the charge is for, why i'm being charged, and why i'm being charged but haven't received any bills for whatever they are trying to collect money from. The debt collector hangs up on me because i refuse to pay them but I do not believe a debt collector would act so unprofessionally, they have not established themselves as legitimate debt collectors, and I don't know what the debt is for. So, I am not paying for anything. The whole thing sounds like a huge scam and the company XXXX limited has numerous scam reports online as well as a news article with a reputable news company. Searching up the debt collector, all of the complaints that I saw were related to this XXXX XXXX XXXX and a lot of the people seemed to be suffering the same issues I am currently suffering. If this is a matter of being charged for an additional product, I have United States Postal Service services in which it shows what packages are delivered to my home and I can prove that I received nothing additional from this company. The company XXXX XXXX doesn't even have a website.
Product: Credit card or prepaid card

Case file : XXXX -- Per capital one I called Capital one back in XXXX of 2020, due to the covid outbreak, the hold time was over an hour. I cancelled a card through the automated system as instructed, however, Capital One still allowed charges to process on that card that was supposed to be closed. They have told me that they would adjust my card balance, crediting my fees back and as of today nothing has happened. I have been on the phone for 4 hours at a time, each time a 'supposed ' supervisor over promises and under delivers, yet I still am required to make my payments on time even though this issue has been ongoing for almost a year. Each time I call it is always a different lie that they are working on it, they have it fixed, I have been told I have been credited back my charges, had to get into an all out shouting match with the rep on XX/XX/2020 to make her aware you are calling me a lie, and your records are WRONG. Then 4hrs later she told me that I was correct and they would adjust the problem as of today nothing. I do not know what other avenue to take, but Capital One has been horrible and I just want my balance adjusted
Product: Credit reporting or other personal consumer reports

I did not attend this institution these accounts do not belong to me. Someone used my information to obtain these loans and i put in a identity theft claim alarming the government about this fraudulent activity under my name. 

Mohela XXXX fed opened XX/XX/year> student Loan {$6000.00} Mohela XXXX fed opened XX/XX/year> student loan {$3500.00}
Product: Checking or savings account

I have opened a XXXX XXXX client checking account ( Tracking number : XXXX ) with a coupon that deposits {$XXXX} cash in your checking account if you bring $ XXXX in new money/securities within XXXX  days of account opening and maintain at least {$XXXX} worth of money/investment for XXXX  days. 

I brought $ XXXX in cash and security to chase. Despite following all the terms and conditions, I was awarded only {$XXXX} cash instead of {$XXXX}. 

I contacted XXXXXXXX XXXX XXXX customer service and XXXX XXXX ( XXXX XXXXXXXX XXXX XXXXr at XXXX XXXXXXXX XXXX XXXXXXXX ) for help. Both refuse to help.
Product: Debt collection

After reaching Resurgent/ LVNV FUNDING and the HR department we realized this company is unable to provide the necessary information linking me to this account. We requested documents on several occasions.
Product: Credit card

I have provided Identity theft Report, disputed.this debt as such with the original creditor, advised XXXX that I DID NOT open this account. There have been other creditors that I have notified and had this issue resolved. LVNV has purchased this debt, and I have submitted to XXXX XXXX XXXX a validation of debt and a copy of the Police report which I am not sure if they have received. I will be filing an Attorney General, FTC complaint against XXXX, LVNV, and XXXX XXXX if this is not resolved. This is the only headache that I have endured after I started to receive collection calls and then check by credit bureau report.
Product: Credit reporting or other personal consumer reports

My credit score has dropped almost XXXX points over a XXXX month period. I am planning to purchase a car so the dealership checked my credit. Nothing bad about it but the credit score keepers decided my score needed to take a hit. I paid off my credit card and my score dropped XXXX points. These companies are ridiculous, corrupt and should not be allowed to constantly manipulate scores. They are also allowed to keep old information for years on record that keeps scores low. If you have no debt your score is decreased. 

My credit score is probably going to drop because I complain about them When is this corruption going to end?
Product: Debt collection

Company AFNI opened XX/XX/2020.No communication was ever received regarding the collection account reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I got an online quote for insurance and was told my premium would be far higher than I expected. When I called the company ( I forget who ) they said Lexis Nexis had reported an accident under my name. I then obtained my report from Lexis Nexis and it had several accidents listed under my report. The people involved in the accidents are XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX TX. I am not these people yet XXXX ( the agency who reported these people under my DL and SS ) refuses to retract the incorrect information and Lexis Nexis accepted their claim that I am the same person as XXXX XXXX XXXX in XXXX NY even though I have a completely different name and address, never had a policy with XXXX and do not own the cars listed on the credit report with Lexis Nexis. When I called XXXX, the representative was rude and unhelpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

If ONEMAIN wouldve looked at the attachments, they would know and see the inquiry have been removed. A deletion is admission. I do not believe ONEMAIN improperly obtained my consumer report, but I KNOW ONEMAIN did. ONEMAIN benefited from my credit card, but I did not. That is a violation pursuant to 15 USC 1691 Equal credit opportunity which states, it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. Did ONEMAIN give me anything after obtaining my consumer report? No. Thats another violation pursuant to 15 USC 1681n Civil liability for willful noncompliance ( b ) civil liability for knowing noncompliance any person who obtains a consumer report from a consumer reporting agency under false pretense or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting or {$1000.00}, whichever is greater. ONEMAIN damaged my consumer report, and I am seeking relief.
Product: Mortgage

Caliber home loan has been processing mortgage payments that were sent on time from the DEO of Florida! Caliber Home loans know that these payments are in the building sitting in an understaffed department waiting to be processed. XXXX, XXXX, XXXX and XXXX caliber home loan received my mortgage payment within the allotted timeframes to be deemed on time. I called Caliber Home loans everyday of the week begging them to apply the payment to the account. Caliber Home loans rep explained that they have thousands to go thru but that payment will be applied. Now caliber home loans has ruined my credit and caliber home loans wants me to dispute the mark when all they had to do was protect the consumer from this terrible credit marking. My XXXX payment was in the building on time and now caliber home loans has the nerve to damage my stellar credit rating.
Product: Credit reporting or other personal consumer reports

XXXX is furnishing incorrect information on my profile, The following Accounts and or Collection does not belong to me ; 1. XXXX XXXX | XXXX | {$930.00} 2. XXXX XXXX | XXXX | {$26000.00} 3. XXXX XXXX | XXXX | {$4600.00} 4. XXXX XXXX XXXX | XXXX | {$350.00} the above accounts are not my accounts and they are furnishings accounts on my credit profile that does not belong to me. It is illegal to put something on credit report when they do not have any documents bearing my physical signature
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXXXXXX XXXX XXXX XXXXXXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX  XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX BANK on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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 and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX # XXXX has violated my rights. 

15 U S.C 1681 section 602 A. States I have the right to privacy.

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

15 U S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more that seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I had no idea your agency existed until I read the Wells Fargo article today. My house was foreclosed in XXXX of XXXX. The address of the home is XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. I was stationed in XXXX XXXX during foreclosure sale as XXXX XXXX XXXX supporting the XXXX Forces XXXX. I have been assigned to the XXXX Forces in XXXX in XXXX. During XXXX XXXX, my renter refused to pay rent and I had serious car accident in XXXX. Wells Fargo only notification about the foreclosure to me was a notification. Due to travel restrictions at the time and XXXX, I was unable to deal with the foreclosure. Wells Fargo never contacted me to let me know about the foreclosure of the house. Wells Fargo sold the house for more than the loan and I never received the money from the sale. 

XXXX XXXX
Product: Credit card or prepaid card

Dear CFPB, I am writing for your help since I was not able to resolve my conflict with Fifth Third Bank over a fraudulent Internet transaction via my credit card used by someone else who stole my information and my identity to make purchases. Case number XXXX On XX/XX/XXXX I reported to Fifth Third Bank a suspicious transaction for {$89.00} purportedly for a Dash camera which was allegedly made on XX/XX/XXXX. For the record, similar dash cameras are sold in stores for around {$20.00}. 

I informed Fifth Third Bank that I did not made this transaction with a very shady Merchant XXXX who does not even have a website with products for sale, only pages with Terms and Conditions and Privacy Policy. 

Fifth Third Dispute Resolution Department ( at large, without the name of individual whom I can contact with my questions ) apparently did not conducted any meaningful investigation into this matter or even looked at XXXX and reversed temporary credit apparently trying to collect from me {$89.00}. 

In support to their decision Fifth Third provided me tracking number for another transaction which I made on XX/XX/XXXX with another company. 

Fifth Third also provided me the name of the Company who purportedly sold me this dashcamera XXXX XXXX XXXX  XXXX located in XXXX NJ. 

According to New Jersey XXXX of XXXX, they do not have any records of XXXX XXXX XXXX XXXXXXXX in their State. 

The only company who has similar name XXXX XXXX is located in California and is manufacturer of precision die-cut components. Obviously, they do not sell dash cameras via XXXX. 

Moreover, the XXXX address XXXX provided to me by Fifth Third Bank as evidence of legitimacy of my transaction belongs to some shady company in XXXX. 

Fifth Third Bank acted negligently by failing to conduct basic investigation and pushing all burden to prove criminal conduct on me as a customer ; and maliciously ( if not enabling ) when they refused to reverse this transaction and credit stolen from me {$89.00} back to my account. 

I demand Fifth Third Bank to credit me {$89.00} and compensate me at least additional {$100.00} as a fee for my investigation of this matter for which Fifth Third Bank employees are getting paid. 

Regards XXXX XXXX