23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been reporting that somebody called XXXX XXXX is using my name and getting into debt using my credit. Now I got a call from FMS Financial Solutions asking for a payment on a debt that this thief ( XXXX XXXX ) got in XXXX XXXX XXXX XXXX in XXXX, XXXX Like I mentioned in my previous reports, I live in Florida and I have never been in Oklahoma in my life. I need this removed from my report, and to have FMS and the XXXX remove me from that debt that doesn't belong to me.
Product: Credit reporting or other personal consumer reports

Asked Equifax to Provide a copy of the original promissory note for the student loan on XX/XX/year> 2024
Product: Debt collection

A company has written off a debt with XXXX that was proven to be my ex wives and not mine. This was over 5 years ago and they began reporting it to my credit report again and now have reported it again. The debt is written off and they can not keep putting it on my credit report but continue to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed multiple accounts displayed on my consumer report that are a violation to my rights as a federally protected consumer.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chase Bank regarding an issue with a refund from a merchant. In XXXX, I received a refund of {$680.00} fromXXXX. However, Chase Bank erroneously charged me for this amount, insisting that it was a debt that needed to be repaid. Furthermore, they added an additional {$13.00} as interest on this supposed debt. 

I want to emphasize that this refund was rightfully mine and not a debt owed to Chase Bank. It is unacceptable that they are attempting to coerce repayment, especially with added interest, for funds that are rightfully mine. 

I have attached evidence, including screenshots showing that the merchant canceled the order and issued a refund without rebilling. Chase Bank is indeed embezzling this money. 


I kindly request that the CFPB investigate this matter thoroughly and ensure that Chase Bank rectifies this situation promptly by rescinding the erroneous charges and reimbursing any associated fees or charges incurred. 

Thank you for your attention to this matter. 

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

For the last XXXX years i have been disputing with XXXX XXXX  XXXX XXXX ) about their reporting of late payments and multiple charge offs for XXXX account that they claim has a {$4800.00} balance. On XX/XX/year>, I sent them a cease and desist but they continue to report negative and inaccurate information. Furthermore, XXXX XXXX  has insurance on all its accounts up to {$250000.00}. Upon information and belief, the FDIC insurance has been applied to my account but i have not experienced the benefits of it. 

When i requested an accounting of the account, XXXX XXXX  sent me statements, which was not what i requested. i returned those statements to the sender. 

As a result of this XXXX year long battle, i have lost personal and business credit opportunities. i have been harmed terribly by the inaccurate information that XXXX is reporting to the XXXX consumer reporting agencies ( and probably several other CRAs ).
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX XXXX # XXXX 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.

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

I recently received a copy of my credit report and noticed some unusual accounts on it. I looked into the accounts and found them to be fraudulent. I have the accounts listed below, along with inquiries. I would like assistance from the CFPB in having these fraudulent and unauthorized accounts removed from my consumer credit report. I have attached an identity theft report filed with the FTC. 
The fraudulent accounts are : XXXX XXXX XXXX XXXX XXXX XXXX, {$1000.00} XXXX XXXX XXXX Acct # XXXX, {$340.00} XXXX Funding, XXXX, {$590.00} XXXX XXXX XXXXXXXX, Acct # XXXX, {$1000.00} XXXX XXXX XXXX  # XXXX {$840.00} The following credit inquiries are also fraudulent and included in my request. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT ED/XXXX XXXXXXXX Balance Owed : {$0.00} ; DPT ED/XXXX XXXX Balance Owed : {$0.00} ; DPT ED/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

In XX/XX/XXXX I received deployment notification orders that informed me I would be deploying on XXXX XX/XX/XXXX for one month followed by an eight month overseas contingency XXXX XXXX. As such, I made all final payments to South East Toyota Finance/ World Omni Financial and returned my vehicle according to the Soldier and Sailor Relief Act. However, I continued to be charged which resulted in a balance of {$510.00} as of XX/XX/XXXX and I disputed the amount owed. The company then updated the amount owed on XX/XX/XXXX to {$910.00}. I should not have continued to be charged after I deployed to begin with, let alone have another {$390.00} added to the account after I disputed it. I did everything appropriately and thus far the company has refused to cooperate.
Product: Student loan

XX/XX/2018 Here I am in the midst of trying to bury a loved on only to check my mail and receive this notice. 
It's raining heavy in my life. 
I have contacted the loan holders 3x received emails saying my acct is in good standing and that i was NOT in default. 2wks ago received a letter stating that my account will be turned over and to contact the following agency : I have NOT received any letters, statements or correspondence from any agency indicating XXXX will be handling these loans further. XXXX with XXXX XXXX, XXXX, XXXX XXXX. 

Why am I back at this stressful moment of being threatened by Garnishments. This is too overwhelming right now. I struggling just to pay rent, gas, utilities. Food is not in the budget. 
PLEASE!!! HELP I can not do this right now.
Product: Credit reporting or other personal consumer reports

I see an inquiry on my credit report from your company. What was the reason behind your company pulling my credit reports?
Product: Mortgage

On XX/XX/XXXX i purchased my house for {$820000.00} ( firs time home owner ) and later on i found out that is only worth a lot less than XXXX I want some one to investgate this as is very unfair that i have a loan for over {$800000.00} .. I have attached an appraisal document stating the value of the house a year ago ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX, for the last XXXX  years I had a student loan which I paid in full on XX/XX/XXXX. Paid {$2400.00} in full. Student loan started on XX/XX/XXXX. 
I have been trying to get a copy of my credit report from Equifax, unfortunately Equifax keeps denying my requests every time saying that I do not have credit history. 
That's just not true. 
I have access to my reports from XXXX and XXXX, they clearly show everything, including my student loans, which they have been paid as well my purchases with my credit cards. 
Equifax keeps refusing to provide me my credit report. 
This is not a XXXX time incident, this is been ongoing since XXXX. 
I am also one of the victims of the Equifax data breach of XXXX. I found this out on the data breach settlement page. 
I called Equifax, they send me a letter to fax them my information, which I have done as requested on XX/XX/XXXX at XXXX XXXX. Faxed over 15 pages including drivers license, ssn, lease agreement, utility bills. 
Called Equifax on XX/XX/XXXX and the agent, again, refused to send me a copy of my credit report stating that I do not have credit history and I should contact my bank. 
My credit union keeps denying my application of credit because Equifax says I don't exist on their systems and my credit union tells me to contact Equifax and when I call Equifax, they say I need to tell my bank to report my information to them. 
Called Equifax on XX/XX/XXXX and I said I want to purchase my credit report, I was also denied, again. 
Since when is it my responsibility to tell banks or credit unions how to do their job or my responsibility? 
I am trapped on an endless loop. 
To this very day, Equifax is refusing to provide me my credit report. I called, I requested to buy it and no success. 
I need help.
Product: Credit card or prepaid card

On XX/XX/20 I was a victim of fraud that happened involving my GM Capital One MasterCard. The series of communications that I had with Capital One in the months since the event have been disturbing. Upon my initial call and attempting to explain that I was involved in a  phishing fraud was nearly impossible, as the customer service rep didn't understand what I was trying to state. Nonetheless, he stated that I had, " No worries ; Capital One has a zero liability fraud policy. '' As months went on, Capital One finished their investigation and placed the charge back on my card and said they don't cover that type of fraud. I made numerous calls after that. On XX/XX/20 I spoke to XXXX in the fraud dept. an she stated, " I feel sorry for you but everyone could say they were a victim of this type of fraud and scam our company. '' She basically did not believe me. I was finally able to file a police report when stations opened to the public with limited hours during the midst of covid. I sent the police report, with letter and documents to Capital One in Utah on XX/XX/20. On XX/XX/20 I. followup since I had heard nothing from CO. I then spoke to XXXX - a manager in fraud dept. and she proceeded to tell me, " We don't cover fraud when you assist with it. '' This woman accused me of being involved with a criminal act! She should be relived of her duties. No one going through this should be accessed of theft. She mailed out their fraud policy. Upon my review, and I had already been asked to review the policy in previous calls, NOTHING states this type of fraud is excluded. CO would not even put this balance in a " no interest accruing state '' while the police investigated. XXXX from corporate called me after I emailed their customer complaint center and said, '' Your card has a promotional balance I can give you for 15.7 % but that's the best we can do. '' The detective working on my case spoke to the CO Law enforcement dept. and he said they offered no assistance to resolve this as 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 : USDOE/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Whereas TU is TransUnion, XXXX is XXXX, XXXX is XXXX 15 U.S.C. 1681 Section 602 A states I have the right to privacy 15 U.S.C. 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) 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 15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

READ DOCUMENTATION CAREFULLY!!!!!! 

ON XX/XX/XXXX I SUBMITTED A DISPUTE TO XXXX XXXX XXXX XXXX  AND THEY RESPONDED WITH A FINAL RESOLUTION! PLEASE USE THAT DOCUMENTATION AS REFERENCE. 

I HAVE BEEN VIOLATED ON SEVERAL DIFFERENT OCCASION FROM EQUIFAX. ON NUMEROUS OCCASION THEY HAVE STATED THAT THEY HAVE VERIFIED THIS INFORMATION WITH XXXX XXXX. XX/XX/XXXX I RECEIVE A DOCUMENT IN THE MAIL WITH THE RESULTS THEY WERE " PROVIDED '' FOR THE INVESTIGATION. 

MY LAST PAYMENT DATE IS STATED TO BE XXXX XXXX, XXXX BUT XXXX STATED THAT THE LAST PAYMENT DATE IS XX/XX/XXXX AND XXXX STATES THAT IT IS XXXX XXXX, XXXX. THE ORIGINAL CREDITOR ALONG WITH THE OTHER BUREAS ARE REPORTING INACCURATE DATA! FOR THE MONTH OF XX/XX/XXXX IT IS REPORTING AS UNKNOWN FOR REPORTING ( INCOMPLETE INFORMATION ) 15 USC 1681 ( a ) States that I have rights to accuracy and fairness of credit reporting.

15 USC 1692K ( a ) Proves that every damage much be paid for by the debt collector as a result of such failure. Due to lack of resources financially I was targeted through a pandemic. I notified XXXX XXXX that I was in therapy due to lack of concern and I expressed that their actions along with the credit bureaus has caused me to go into deep XXXX. I paid a great amount of money to attend therapy sessions to cope with what was happening. 


15 USC 1681B states that furnishing a consumer report without the consent of consumer is unlawful. The reporting agencies have no consent in regard to my report and have been publicly humiliating me in attempts to collect what is rightfully mine because I am the original creditor. 

15 USC 168 ( A ) ( 2 ) ( B ) Indicates that furnishing an account that was created from a credit card or similar device is also unlawful. XXXX XXXX has been a huge burden on my credit for 3 years now and failed to provide on numerous occasions what is happening and report accurate information to the credit bureaus. Data reported differently every dispute and information was not deleted though proven to be inaccurate 15 USC 1692J A deceptive form to make me believe I owe debt was establish and I am protected by the law stated.

15 USC 1602 ( K ) Presents that a drafting of contract or similar instrument in which the consumer can not adequately understand is illegal. I am not able to understand what took place as I was 18 and unaware of credit and its true meaning and nobody ensured that I was able to read what was presented. I am a first generation American.

15 USC 1692B ( 2 ) It was stated on a recorded line and through paperwork that I owe a debt. The law states that it is a violation to state a consumer owes a debt if they do not owe a debt.

15 USC 1692D ( 5 ) states that I am not to be contacted in regard to a debt in an annoying manner through telephone. I have been contacted many times through my work phone in regard to a debt after I was not told this is an attempt to collect a debt.

I AM DISAPPOINTED IN EQUIFAX AND ITS ILLEGAL PRACTICES!!!
Product: Credit reporting or other personal consumer reports

My credit score was reported differently to creditors when applying for new credit by the three major credit bureaus causing my denial in getting new credit. An egregious example of a long history of discrimination affects the data that the credit-scoring models use today. Today, FICO considers payment history, amount owed, length of credit history, new credit, and credit mix in its model. But that data is influenced by the generational wealth that many XXXX and XXXX borrowers did not have equal access to resulting in a low FICO score for the poor, low-income, and middle-class. 

XXXX service members were denied the benefits of the Servicemen 's Readjustment Act of 1944, more commonly known as the XXXX XXXX The bill was designed to reward service members with benefits that would increase their social mobility. These benefits included higher education financing, as well as housing and unemployment benefits. However, eligible XXXX service members trying to cash in on the bill were either met with resistance or denied benefits altogether. 

So a white service member might have been able to buy an affordable home and pass that home down to their children, who could then benefit from the home equity and the positive financial gains of their ancestors ' ability to purchase a home through benefits like the XXXX XXXX. These are direct results of racial bias, which can undoubtedly alter the path of someone's financial life. 

The burden of poverty can trickle down to children who are at a disadvantage when it comes to being scored using today 's FICO scoring methods used by the three major credit bureaus. Data points like credit length and payment history might not be the same for XXXX  consumers as it is for their white peers, given the enormous disparity in wealth-generating opportunities.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX - I made a payment of {$1500.00} being payment due for XXXX and XX/XX/XXXX on the HSBC 's website. 
XX/XX/XXXX - I was contacted on phone by a customer service from the bank asking for payment to be made on the same loan account. I confirmed that I had already made payment online a few days back. The customer service representative asked that I can make over the phone since the earlier payment I made had not posted to my account. I confirmed with the representative that my earlier payment will be cancelled if I make a payment over the phone, to which the representation confirmed that the earlier payment will be canceled. I requested the earlier payment be canceled and made another payment of {$1500.00} over the phone. 
In XX/XX/XXXX, I noticed that both payments were taken from my XXXX accounts. I called back HSBC to complain and have them refund me. I was told a refund was not possible, so I agreed that the over-payment be applied to the payments due for XXXX and XX/XX/XXXX. HSBC did not do as agreed and resulted in my monthly payment due to double. Future payments became impossible as I could not make part payment. I made several calls to resolve this issue and they have tickets open as far back as XX/XX/XXXX. HSBC has not resolved the issues but rather has sent my account to debt collection, impacting my credit score negatively.
Product: Debt collection

Hello, my name is XXXX XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We refinanced our mortgage with Amerihome ( who previously held our mortgage ) XX/XX/XXXX payment was made and lost in XXXX, Electronic payments for XX/XX/XXXX were attempted several times over the phone ( from XXXX ) and there was an issue on Amerihome 's end, we asked our bank ( XXXX ) to send a physical check to Amerihome for XX/XX/XXXX and this was cashed on XX/XX/XXXX, technically 30 days past due for XXXX would have been on XX/XX/XXXX. XX/XX/XXXX was paid electronically on XX/XX/XXXX. Payment for XX/XX/XXXX would be past due if paid after XX/XX/XXXX and 30 days past due on XX/XX/XXXX. Both XXXX & XXXX XXXX would like the derogatory remarks removed from all 3 credit bureaus as soon as possible. Documentation will be provided
Product: Credit reporting or other personal consumer reports

Collection account with inaccurate informacion dates, law 1681 applies
Product: Credit reporting or other personal consumer reports

I Disputed the validity and Account status of Account Number: XXXX  with XXXX XXXX (Original Account holder) & XXXX XXXX (Current Collection
Account furnisher) through certified mail on XXXX XXXX XXXX. This account was never a chargeoff and it should not be reported on my consumer report. I also received a signature of the
dispute via receipt through certified mail on XXXX XXXX XXXX XXXX XXXX has NOT
responded to my dispute, nor has XXXX XXXX
Product: Mortgage

I have had nonstop issue with Truist Mortgage. Every month I pay they claim I am a month behind in payment which my XXXX bank statement shows I have paid every month. They continuously charge me late fees because of. Now they are saying I am behind my XXXX payment. They billed me XXXX times in XXXX. First payment they kept ( which XXXX bank even has acknowledged that Truist took payment ), second payment I called them and they credited me, third payment I disputed with bank and XXXX credited me. Truist claims they credited me twice and I still owe them a payment. XXXX looked and said Truist charged me twice and only refunded me one time. I have spent HOURS on the phone with Truist with multiple people and have sent them my XXXX bank statements showing them that I am up to date. Even my Truist page shows I have made all of my payments. I am really concerned this will get to my credit reports. I am at the point I really need some external help with this situation. 
Thank You, XXXX XXXX