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

XXXX, XXXX, and Equifax continue to report inaccurate information. The below account has not been properly validated or verified. There are several inconsistencies on the account XXXX XXXX XXXX Account # : XXXX. 

XXXX XXXX XXXX Account Status : Closed Derogatory Derogatory Date Opened : XX/XX/XXXXXXXX  XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$270.00} {$0.00} High Credit : {$270.00} {$0.00} {$0.00} Credit Limit : {$250.00} {$250.00} {$0.00} Past Due : {$0.00} {$270.00} {$0.00} Payment Status : Unknown Collection/Charge off Wage Earner Plan Last Reported : XX/XX/XXXXXXXX  XXXX XXXX Comments : - Unpaid balance reported as a loss by the credit grantor. 
Account involved in XXXX XXXX debt adj. 
Credit card Included in XXXX  XXXX Date Last Active : XXXX XXXX XXXX Date of Last Payment : XXXX XXXX XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

15 U.S. Code 1666d - If there is a balance of credit or insurance of the account in connection to a consumer credit transaction with a surplus over 1 dollar, this account should be credited in the amount of the credit balance, upon request, the remaining balance of the amount should be refunded to the consumer, by cash, check, or money order. The amount can not be known without knowing the journal and legder entries of the account from the date of account opening as described in Publication IRS 583.
Product: Credit card or prepaid card

I paid my Military star card amounting to {$140.00} last XX/XX/2021 but when I looked at my bank account after a few days I had a charged of {$270.00} from AAFES. The Credit card company over drawn more than I actually paid which is the only amount I can afford and allowed for that bill. This is not the first time it happened to me and I looked the other way that time. But what they did is not right! Why would they take out {$270.00} when I just authorized to pay {$140.00} which is the XXXX statement. I even received a confirmation email stating the amount paid, the date and a confirmation number. 
The 2nd time I called and talked to the customer service representative the person I talked to sounds like smirking and laughing at me. Like seriously, my issue isn't a laughing matter. What if it happened to her? How would she feel if she got an overdraft because the credit card company withdrawn more than what you paid for and have a budget for? Sometimes people need to show more empathy which nowadays is lacking especially if you are working in a customer service job.
Product: Debt collection

American Express keeps on sending statements negitiating a debt that was paid from 15 years ago. My tenant got sick of these phone calls that started again and sent a letter to stop harassing and how AE costs people their jobs as they report debt on the credit report. The minute the letter from a third party was sent not the actual owner they address a debt collected sent a letter. American Express abuses the consumers rights! and harasses them, I have not sent a letter a third party did telling them to stop contacting the household.
Product: Credit reporting or other personal consumer reports

This complaint is not being sent in error. I am a consumer by law. Inaccurate information is being reported on my credit report causing me a lot of sleepless nights.
Product: Student loan

FTC Ref No. XXXX. I have sent letters, faxes and emails to Fedloan servicing. They have denied me access to their website. They can not provide a XXXX form for tax year XX/XX/XXXX, XX/XX/XXXX. I sent them information that the XXXX refunded my credit card and returned all money. I received no money from FedLoan servicing. I did not need a loan from them because I was in a certificate program.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inaccurate personal information is being reported by the credit reporting agencies and violating my rights in accordance with the Fair Credit act : 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 FL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dept of VA Department of VA XXXX VA
Product: Credit reporting or other personal consumer reports

Early last year I contacted XXXX XXXX to cancel my alarm monitoring service. They continued to charge me saying they didnt have me go through the full process. That has now been handled but they reported that I missed a payment back in XXXX. I contacted them and there was an understanding that when I pay them they will remove the mark on my report. I have paid my balance in full ( which was not a loan, they just kept charging me ) and I am trying to get the status updated but they are seemingly refusing to update their reporting.
Product: Money transfer, virtual currency, or money service

Shared phone number on dating app, got a text with my XXXX  and them logged into my XXXX account threatening to send the photos to my friends list. 

I called what i thought was facebook customer support but was a scam as well and they said they needed to set a trap with XXXX  to catch the hacker and stole XXXX from me and my friends
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/XXXX and notice there were hard inquiries that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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 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  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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX i wires {$9000.00} to coinbase/XXXX and as of today XX/XX/XXXX i have not received my deposit in my account. My bank confirmed the transaction was completed onXX/XX/XXXX. 
Tracking XXXX XXXX Sent to : Coinbase, Inc XXXX XXXX XXXX # XXXX XXXX XXXX , CA XXXX I emailed XXXX support on XX/XX/XXXX and got a response that they were will get back to me. Then on XX/XX/XXXX i called support and were told that they will eacalate the issue. Then XX/XX/XXXX i called again and was told there was nothing they can do for me and i will just need to wait.
Product: Debt collection

I do have a debt owed as a result of a payday loan I got from check into cash. The collection agency that holds the debt is XXXX XXXX XXXX. However I received an email from XXXX XXXX XXXX claiming my debt is from XXXX  cash. Initially I thought it was legit and said Id be making a payment in the next few days. But after the reading the email nothing about it seems legit, the verbiage is off and seems to scream scam. Then I realized the original creditor is wrong and its not the correct debt collection company. The email is a XXXX email address or a mail depot address
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed 6 disputes with Equifax to have a negative account item number 4.7 on my report from US Dept of Education/XXXX ( XXXX XXXX XXXX ) to be removed from my report as it is past seven years, was since XX/XX/XXXX, or updated to show status as not past due and removed from negative standing. This account was transferred and sold and I have been making payments so account is not in past due or default status. I have a letter from Department of Education stating that this should be removed as well which I submitted. This creditor was removed from XXXX and XXXX but Equifax continues to give me a hard time. I have contacted them multiple times and finally they removed the account on XX/XX/XXXX but then in XX/XX/XXXX they added this account back on my report saying the creditor requested it to be added back on. I have contacted equifax several times and they cant ever find my dispute or the documentation and keep referring my back to the creditor. I called the creditor 3 times and they say they did not report anything to my credit report as I no longer have any accounts with them as they show my accounts have been transferred. No one will help me straighten this out and it is affecting my current student loans as I am in XXXX school and as well need to send my 17 to college. The account status of this account is incorrect as it is not over 120 days past due as it has been sold and transferred and has been making payments on. This account should be deleted from my report and equifax is the only one that is not working on this and ignoring my disputes and keep losing my documentation that is sent in now over 6 times. I ask to speak to a supervisor and they just keep me on hold for an hour with no check ups.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Euifax consistently responds stating that the accounts are accurate and verified, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act,15 U.S.C.1681i which mandates a reasonable investigation of disputes. Futhermore, Equifax 's actions may also contravene the Consumer Financial Protection Act, 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complieswith federal la and provides consumers with the necessary proff of investigation.
Product: Credit reporting or other personal consumer reports

I am being harassed by Equifax and they won't remove the Hard Inquiry from my report I have already filed a police report against them
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like too see is if some of the old hard inquiries could be removed from my credit report
Product: Credit reporting or other personal consumer reports

I strongly dispute the validity of this account as reported. The balance and charge-off details are incorrect, and the account has already been resolved. I demand that you investigate this issue promptly and remove this incorrect and misleading information from my credit report to reflect the true status of the account.
Product: Credit reporting or other personal consumer reports

Inquiries were not removed as requested and the company which pulled these inquiries can not verify or validate the inquiries as valid.
Product: Mortgage

Selene Finance increased my monthly payment by {$79.00} in the month of XXXX and did not provide any explanation or notice that this was being done. I was then charged a late fee because I paid the normal monthly payment not knowing they increased it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX allowed criminal illegal unauthorized fraudulent transactions and charges to all of my accounts
Product: Debt collection

Bank of America is in violation of my Freedom of Information Act right by refusing to provide me with my account information in their response to request of Public record in their letter to me dated XX/XX/XXXX by a response that the Regulatory Complaint Team had done a comprehensive search to find detailed information about my account number XXXX and information from the predecessor bank, XXXX XXXX account number XXXX when it was requested that it be in compliance with the California Public Information Act ( Government Code 6250 ). The information was requested for the purpose of records and explanation request made in CFPB case number XXXX XXXX submitted on XX/XX/XXXX. In the letter dated dated XX/XX/XXXX, signed by XXXX XXXX, Resolution Specialist he  claims no available information is located ansd outlined in their response. This conflicts with the testimony given to XXXX Police Officer XXXX XXXX in XXXX 's Police Report number XXXX. XXXX XXXX XXXX  contention conflicts with the statement made in tthe report by XXXX XXXX, Director of the Intelligence Information Unit is that in order to receive the information regarding the account would be through submission of legal process. 
I am requesting the information be made availableas soon as this request is received. A dispute involving this account in the mishandling and representation of the debt owed and presented iib the original filing of the case by Bank of America 's representatives, XXXX, XXXX and XXXX in court case XXXX in XXXX Superior Court ' recording originally  heard in XX/XX/XXXX, and.resulted in a judgement for the plaintiiff and was entered on XX/XX/XXXX and included a claim of title of a XXXX XXXX XXXX HIN number XXXX and a XXXX XXXX XXXX. License Plate number XXXX which is alleged to account for the debt of {$32000.00}. The judgement in this case was amended by the court when the.court required Bank of Ameeica return to court after removing the title of the vessel and trailer. Bank of America possessed no documentation that such collateral was included in the installment loan. The. Abstract of Judgement was provided by XXXX Superior Court to Bank of. America as amended on XX/XX/XXXX with the judgement as XXXX XXXX, as an individual. This was never a secured loan and no title was involved.. No record was ever provided to me to clarify that.this court action took place and is interfering with an accurate accounting of what actually happened. I am requesting the records involving the mishandling and misrepresentation of the installment loan contract.by Bank of  America and to be addressed as a violation of my FOIA right.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX is inaccurately reporting information on my bureau reports : Transunion. I have requested information to prove whether or not this is an accurate account and they have not provided yet they continue to report it on my bureau report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

Chase Bank offered online debt disputing and is now violating the terms of service by discriminating against individuals who actually successfully use the service by blocking the use of the the ability to make an online dispute. 

Chase Bank has also made it very difficult to dispute a debt online making it next to impossible to refute a charge, by trying to trick the consumer into make a statement that would deny the claim. 

Chase Bank has partnered with XXXX, with XXXX XXXX and can not make a determination in online disputes regarding XXXX XXXX as there is a conflict of interest between XXXX and Chase Bank.
Product: Debt collection

I purchased a product on XXXX in XXXX and there was an option to do a payment plan so I clicked on the button. one month later I was getting threatening texts from a company called Affirm saying I was late on a payment and I own them {$25.00}. it looked like a phishing text because I do not know any company named Affirm so I ignored it. Then yesterday XX/XX/23. I received a threatening call from Affirm stating I'm late on payment and my account will be going to collections. I told the person I do not no Affirm and never did business with you so you have the wrong person. I then received another threading phone call saying I own the money. I then asked what do you do and he replied welend money for purchases products. So I the asked what was the product and he said before I can tell you I need to ask some personal information which got me upset and I asked him how do you have my personal information and he said XXXX. I then called XXXX and they told me that Affim is a company they work with to do some of their purchase options. I then asked XXXX why are they not listed on my invoice showing me that i will be making payments to them and why are they reaching out to me directly since i did not do business with them directly and did not know that they were part of the transaction and this is an violation of my privacy and it is illegal for them to give my personal information to another company with out my authorization. I also explained to XXXX that I've done payment plans before through XXXX and the money was always pulled from my credit card on file but that was after I received a text from XXXX saying they will be charging my card for the payment plan on a specific item, which was fine. So I ask XXXX why is this different and they refused to answer the question and did a conference call with with Affirm who threaten again and said that they will need to ask me some personal information before they can tell me anything about the order. So I said how do you expect me to believe you and pay for anything when they are not on the XXXX invoice and I was never told that it would be a third party that will be paying XXXX and that I will be paying them the installment. I told them that if you send me an invoice from your company with the details of the transaction I will take it to XXXX and pursue them for violating my privacy for withholding that Affirm is the company that is establishing the payment plan and that I would have to pay Affirm directly. That did not happen and the rep said he did not have a invoice he could send me and I said this is fraud because unless I have an invoice from you stating the date and the purchase made was from your company through XXXX I can never be assured that the money I'm paying you is going to pay off the product and them XXXX can then go after me a year later stating that I owe them money based on the invoice they sent me. The guy kept threatening and I said I am going to report you for the illegal practice between Affirm and XXXX selling purchases from their customer to a third part company and giving my personal information away.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards