23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

There is a collection from " XXXX '' collecting for the alleged original lender, " XXXX. '' I have never had any dealings with XXXX or any of its companies. This collection is fraudulent and has been investigated, found to be inaccurate and removed by XXXX and XXXX. TransUnion needs to investigate and remove this collection from my report. XXXX is being investigated and sued by many states for this and other fraudulent acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is a shame that I have to continuously submit complaints into the CFPB concerning Equifax. As a consumer, I have the right to a credit report that is 100 % accurate. It is also my right to dispute errors on my report that aren't accurate. Equifax seems to CONSTANTLY participate in deviation tactics by claiming that they can not " verify '' my identity. The reason why I am frustrated now is because I've sent the the information of my Social Security Card, Driver License, Current utility bill and submitted all documentation that Equifax has requested. You can see me do this in the portal for the first time in complaint XXXX. This back in XXXX of 2022 and wasn't the first time Equifax asked me to verify my identity. They also sent me letters asking me to verify my identity before they would reply with their response. I continuously send them the verification information and yet Equifax continues to avoid addressing the false, and duplicate information that is on my credit report. This is unacceptable, especially when I submit a complaint in the CFPB where I have verified my identification over XXXX TIMES. I have done my due diligence in trying to handle this where only the CFPB, Equifax, and myself can see my complain but it seems this isn't working so I am publishing this publicly so others that are experiencing similar cases can also address this malpractice and not allow Equifax to abuse them. 
I will also be including another copy of the information again as a way to show that I am complying. If Equifax was as diligent when adding/ allowing false information to be reported on my credit profile we would not be in this predicament as we are now. 
In my complaint XXXX I informed Equifax that account # XXXX. I disputed this account OVER XXXX MONTHS AGO. Equifax hasn't sent me any information about this account nor the status of my dispute. What makes it worse is that this account is allegedly a " medical bill ''. XXXX protects the right of all clients medical records and I didn't release of my medical records to any third party. It's seems that Equifax is blatantly violating my rights. This is XXXX. Equifax has had over 60 days to address this and they avoid it by saying they can't verify my identity and then will try to take more time responding to this complaint. 
I also told them about thiXXXX XXXX XXXX XXXX XXXX  in complaint ( XXXX ) where this account is on my report SEVERAL times and is unacceptable. Equifax needs to address my disputes and remove all this inaccurate, duplicate information from my report. Its not fair for me to have to wait another 60 days for a response from Equifax when I originally disputed this item and provided verification back in XX/XX/2022 it has been over 100 days. This not only violates the FCRA but is not ethical and needs to be corrected immediately. I am also including a copy of my most recent credit report to show that these account ARE CURRENLY ON THERE. This way Equifax won't try to delay further by saying they don't see this account.
Product: Mortgage

We represent a seller in the short sale of his home. We have a Chase short sale approval letter that expires on XX/XX/XXXX. We scheduled this closing for XX/XX/XXXX and submitted the required closing docs for final approval to Chase via a message in XXXX on XX/XX/XXXX and asked them to open the closing task on XXXX as well. We also faxed the docs in and sent via an email to the Chase closer on XX/XX/XXXX. On XX/XX/XXXX, we had no reply from Chase, so we called them to open the closing task and found out our closer was not in the office. I said I needed the task opened and a supervisor needed to be contacted as our closing was now only 2 days away. They opened the closing task XX/XX/XXXX which we promptly completed on XX/XX/XXXX. I called again on XX/XX/XXXX and reached our closer. She indicated that she was out of the office Mon - Wed XX/XX/XXXX to XX/XX/XXXX due to a family emergency. I asked her for status of our final HUD approval and she said nothing had been done with it once she reviewed the file. She said she would try to rush the final review, but no promises. I called back again on the morning of XX/XX/XXXX ( scheduled date of closing ) only to be told that Chase could not accommodate our closing on XX/XX/XXXX and to submit a closing date amendment to extend the closing out 7 BUSINESS days along with a revised closing stmt dated 7 BUSINESS days out. I told them that this was unacceptable as we had done our part to get the final required approval and that Chase had dropped the ball. Buyer is going to have to pay {$510.00} to extend their rate lock that expires on XX/XX/XXXX. Buyer has items on a moving truck to move in today. Not sure what is going to happen to those items or who is going to pay to have them stored for 7 more BUSINESS days or where the buyers are going to live in the meantime. This is not a rare occurrence for Chase - this is a repetitive problem with Chase 's closing procedures. Other major lenders can approve a final HUD for closing in under 24 hours ... .Chase requires 5 days and then it still gets delayed. I ran this all the way thru a manager at Chase escalations and only got lip service.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXXXXXX Balance : {$10000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX-Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Product: Credit reporting or other personal consumer reports

On XXXX there are XXXX HARD INQUIRIES for account that dont belong to me. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX removed it after their investigation. 

JPMCB OF XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I was account holder with XXXX when capital one took them over and I was given LOC to the check account in 2012?. 
I never had problem and paid back with interest. 
This last week I saw XXXX of my credit card was changed NSF fee and weekly transfer were denied. 
Called earlier today and was told product was not offered anymore but I was never notified and I saw nothing on monthly statement.
Product: Credit card

I have been the victim of identity theft fraud for more than four years. Someone obtained my personal information for the purposes of fraud in XX/XX/XXXX and again in XX/XX/XXXX, when my car was broken into. The thieves stole my vehicle registration, a copy of my drivers license, insurance card and XXXX suitcases full of luggage. 

On or after XXXX XXXX, someone applied for XXXX capital one accounts in my name and proceeded to use it and pay the bill as if it were their own. I have reported this fraud to capital one on more than XXXX occasions and they have yet to resolve this matter. 

On or after XX/XX/XXXX, I spoke with the fraud dept at Capital One and they stated that both accounts were being removed from credit bureau due to them being fraudulently opened accounts. To date they both still remain on my bureaus. 


I want these accounts deleted from my credit file and I want Capital One to remove all negative information from their database.
Product: Debt collection

My brother in laws ' bank account was garnished and a hold was placed on his account on XX/XX/2023. My name is on his account for safety purposes only. I have never deposited or used his account. The plaintiff is Malen & Associates, PC. I never received a summons from this company. My income is only from my social security and XXXX XXXX
Product: Checking or savings account

I am a member of Navy Federal Credit Union and am experiencing an issue with excessive fees on my account. I recently submitted a request to dispute multiple fees that caused my account to go into the negative. After my request, Navy Federal announced a policy change that addresses the very issue I raised. However, they have refused to apply this new policy retroactively or provide me with any reimbursement for the fees that have already been charged. 

Despite reaching out multiple times, Navy Federal has stated that I can not be reimbursed, even though my account is directly impacted by the problem they are now acknowledging with their policy change. This has left me in a financial hardship, and the fees continue to accumulate, making it even more difficult to recover my account. 

Additionally, I have an outstanding credit card balance with Navy Federal that I am unable to pay due to these excessive fees. Every time I receive a paycheck, my funds are automatically withdrawn to cover an extremely high credit card bill, leaving me with no money for basic necessities. This has created a cycle where I can not bring my account back into good standing or catch up on my financial obligations until I receive more income. 

I am requesting that Navy Federal apply their updated policy to my situation and provide a goodwill adjustment or reimbursement of these fees. I believe this is a fair and reasonable request, given that they have recognized the issue and made a policy change because of it. 

I would appreciate the CFPBs assistance in ensuring that Navy Federal fairly resolves this issue and helps me regain control of my finances.
Product: Debt collection

I am writing to dispute a bill that I received from United Consumers Inc. on behalf of XXXX in the amount of {$990.00}. After I terminated services with XXXX, I never received a final bill ; they simply sent this account straight to collections! There is no way that I 'm going to pay for services that were not provided to my children as I had to pull both of them out less than a month into the XX/XX/XXXX-XX/XX/XXXX school year due to negligence on behalf of the staff at XXXX. Their father and I had to pay more than {$400.00} to get them enrolled at another center on very short notice. My XXXX XXXX XXXX was being bullied by an older boy at XXXX and even after complaints from my mother and myself, no one took action. After speaking with the regional mgr. at Corporate a day or two after the incident was initially reported by my child, I informed her that since the director of the XXXX XXXX did a poor investigation of the situation, my children would not be returning as I did n't feel like they were being protected there. I also explained to her that this has caused me to miss a day of work as I had to scramble to make new child care arrangements for my children. The supply fees are for the entire school year, my children were there barely 3 weeks. I will fight this balance tooth and nail because there is no way I will be paying almost {$1000.00} for less than 3 weeks of childcare that turned out to be a terrible experience for myself and my child.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person ; I am a living human being. I have rights under 15 USC 1681 that have been violated and are continuously being violated with no resolve by credit bureau, credit furnisher and CFPB.

Equifax who is governed by 15 USC 1681 has violated my rights numerous times and my request for them to correct said issues has been ignored as well. I demand the 2 accounts and consumer statement listed below be removed immediately.

In accordance with 15 USC 1681 I have the right to privacy and I DID NOT give Equifax written or verbal permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX reporting 5 late payments and closed simultaneously ) XXXX XXXX XXXX XXXX reporting 1 late payment, closed and recent activity XXXX ) this account was closed XX/XX/2021 -Erroneous consumer statement with inaccurate info about an inquiry that has not been resolved to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a reasonable reinvestigation of disputed information on my credit report. This has resulted in the continued presence of inaccurate or unverifiable accounts, causing harm to my credit standing. The Consumer Financial Protection Bureau ( CFPB ) has recently taken legal action against Experian, highlighting systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and inadequately notifying consumers of dispute outcomes. 

These issues align with my experience, as Experian has not corrected or removed the disputed items on my credit report despite the evidence I have submitted. Their inaction has caused ongoing harm and violates federal law, as well as my rights as a consumer. I am requesting immediate corrective action to remove or amend the disputed accounts and to ensure compliance with FCRA standards.
Product: Debt collection

To CFPB, A month ago my attorney at XXXX XXXX XXXX sent Resurgent Capital Services a letter concerning a bogus debt they are trying to collect. They claim I owe XXXX {$2000.00} for a phone bill I never had. My attorney requested Resurgent to send us proof of this debt i.e. what is it for. Resurgent did not send proof of anything and just stated that I owed this amount for something I don't. 
When Resurgent responded they did not send proof but rather, stated that they were not going to respond further on this matter. Therefore, and for this purpose we are asking CFPB to look into this matter on a federal level since Resurgent has refused to obey federal law and send us proof of this bogus dept.
Product: Credit reporting or other personal consumer reports

ON THURSDAY, XX/XX/2023., AT AROUND XXXX  A DISPUTE LETTER WAS MAILED TO THE CREDIT BUREAU TO THE ADDRESS AS LISTED: (EXPERIAN XXXX XXXX XXXX TX XXXX.) NO RESPONSE OR ACKNOWLEDGEMENT FROM EXPERIAN PLC., REGARDING THE DISPUTE LETTER. FAILURE OF SUCH ACTION FROM THIS CREDIT REPORTING BUREAU CAUSED A SERIES OF EMOTIONAL DISTRESS REGARDING THE MULTIPLE ERRORS, AND INACCURATE INFORMATION THAT WAS REPORTED TO CAUSE A NEGATIVE XXXX POINT DROP. THIS COMPLAINT IS FOR DISCRIMINATION, AND RETALIATION FOR UTILIZING RIGHTS TO DISPUTE INACCURATE INFORMATION TO A CREDIT REPORTING BUREAU.

ISSUE 1) ON XX/XX/23, I MADE A $XXXX  PAYMENT TOWARDS MY XXXX XXXX  ACCOUNT. ON XX/XX/2023, EXPERIAN PLC, REPORTED TO XXXX XXXX XXXX  WHICH CAUSED A NEGATIVE XXXX  POINTS REGARDING MY XXXX XXXX  ACCOUNT BALANCE STATING: BETWEEN XXXX XXXX, 2023 AND XXXX XXXX  2023, YOUR XXXX XXXX ACCOUNT BALANCE DECREASED BY $XXXX FROM $XXXX TO $ XXXX A DISPUTE LETTER WAS MAILED TO EXPERIAN PLC., WITH PROVIDED DOCUMENTS OF THE STATEMENT OF FACTS.

ISSUE 2) ON XX/XX/23 A LETTER TO XXXX XXXX XXXX WAS MAILED TO THE ADDRESS AS LISTED: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. THE LETTER WAS THEN RETURNED TO THE ADDRESS ON THE ENVELOPE.

PLEASE CONTACT ME WITH FURTHER UPDATED REGARDING THIS MATTER AS SOON AS POSSIBLE.

INTELLIGENCE BY: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX vacation Account # XXXX, and XXXX XXXX XXXXAccount # 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately. 

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file. 


Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.
Product: Credit card or prepaid card

This is a follow up to complaint # XXXX. The original complaint was due Comenity Bank closing my credit card because " security concerns ''. I provided them with all requested documents showing my identity. They replied back, stating that after reviewing the information that they had " continued security concerns '' and was permanently closing my account. No explanation why they had " security concerns ''. I have now sent them a letter requesting an itemized list of their " security concerns ''. 
It seems odd that a month after I turned XXXX, that they close my account. Age discrimination??
Product: Student loan

XX/XX/XXXX I'd sent to Wells Fargo a letter inquiring about two accounts listed on my credit report from them. XXXX came and I had received no letter back from them and XX/XX/XXXX I proceeded to fax over a failure to respond. I received by email from them about a week later that they'd received my correspondence and would get back to me. I ended up calling and speaking with one of the representatives in XXXX who assured me my mail had not been sent to another address. She told me all correspondence had been mailed to my current address. By XX/XX/XXXX I'd finally gotten the documentation I'd originally asked for in XXXX. As well as confirmation that my mail had been sent to another address that is about 7yo. The letter also stated that I'd never updated my address with them however in XX/XX/XXXX they had my address when I initially asked about the account. Looking through the paperwork they'd sent me and what they'd sent to the other address my XXXX name and last 4 of my social security number was listed on multiple documents. The bank did not do its part in protecting my information. I have no idea who lives at the address where they sent my mail to. I feel I was lied to when the lady I spoke with assured me no mail had been sent there. This irresponsibility has set me back for an additional 3 months due to waiting on documents as well as the potential for someone to use my information to obtain credit in my name. My address was updated with them as of XX/XX/XXXX. I have since had to place a lock on all accounts in hopes to stop potential use of my information. This action costs money of course. It was my thought that according to FCRA responses to consumers should be within 30-45 days. I called the credit Bureau as well who advised of what actions to take. They also provided confirmation that the address used by Wells Fargo is also not listed on my credit report. XXXX is well beyond the 45 day mark and I am hoping to have some resolution regarding this issue. I feel this entire situation was due to someone negligence as they had an updated address yet chose to send correspondence to an address they had listed on an application as they stated in their letter to me.