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

During Equifax 's data breach, my social security, driver 's license, and credit history was taken. All information that was taken could be used to remove freezes from my financial accounts, gain access to my financial, and impact me for the rest of my life. 

They then tried to take away my ability to seek legal counsel or pursue this through lawyers, after their top CEOs made XXXX XXXX dollars and waited 40 days to release the breech. They then attempted to extort people to know if they have been breech. They then collaborated with other credit reporting agencies and third party services, such as XXXX XXXX, to charge their victims for their failure to protect data we did not want them to collect. 

They continue to try to extort me for money to secure my financial information by attempting to charge me for services to monitor my credit reports.
Product: Debt collection

I left a message with the debt collector and have not had a return call. The debt is from a XXXX business that was bought out by another XXXX. We never received notice about the initial debt. Also, why wouldn't the debt be transferred to the new company?
Product: Debt collection

In mid XXXX we started receiving phone calls at my grandma 's from some debt collector for my estranged mother. Neither I or my grandmother ( her ex mother in law of 30+ years ) have had anything to do with their client ( my biological mother ) in several years. I have told them this repeatedly! I even gave them a current phone number for her, and yet about once a week or so we still get calls from the collector. It's for about {$4000.00}. They are extremely rude, and I am terrified that they are going to do something to either of us but especially my grandma. It's not our debt! Please help!
Product: Credit reporting or other personal consumer reports

I am unaware of these inquiries on my credit report. 

XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There were XXXXour Dispute letters sent to each Credit bureau. All credit bureaus investigated a collection account on my report for {$3700.00} that is not mine and does not have a legal sign contract stating that it's my account. XXXX XXXX found the collection account is unverified and the account was closed on the XXXX XX/XX/2019 as seen on attachment. Then on XX/XX/2019, it was put back on my report. XXXX and Experian fail to do their investigation correctly after all four disputes sent. The first Dispute letter was sent out on XX/XX/2019, Second, XX/XX/2019, Third, XX/XX/2019, and XX/XX/2019. I also sent out validation letters to the collection agency and they failed to prove that the account is mine with no proof of a signed contract nor other information that was asked according to the federal Fair Credit Reporting Act ( FCRA ).
Product: Checking or savings account

I'm contacting you regarding a problem with my bank, Bank of America, concerning a refund related to a fraudulent transaction. Here are the facts : On XX/XX/year>, I received a message from my bank indicating that a suspicious payment of {$190.00} had been made at XXXX in XXXX , USA. At the time, I was on vacation in XXXX, in possession of my bank c

ard. I immediately confirmed that the transaction was not mine and contacted my bank by phone. During this call, my bank blocked my card, assured me that a new card would be sent to me, and promised me a refund of the fraudulent amount within 2 days. However, on my return fro
m XXXX, I found several serious problems : 1. The refund of {$190.00} was never made.

2. The fraudulent transaction had been erased from my account history, suggesting that my bank had altered the amounts displayed.

3. All my attempts to contact the bank to resolve the problem were ignored.

Fortunately, I took screenshots before the transaction disappeared from my banking history. This evidence clearly shows : - The fraudulent debit of {$190.00}.

- The absence of a refund.

I'm now in a bind and need your help to : 1. Contact Bank of America to clarify the situation.

2. Obtain reimbursement of the {$190.00} in accordance with their obligations in the event of fraud.

I remain at your disposal to provide you with all the necessary information and evidence.

Thank you in advance for your valuable assistance.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on report. Please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Debt collection

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe FABCO. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ), 609 of the FDCPA. I respectfully requested that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX XXXX XXXX XXXX, this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I have already made several requests require to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. It has been past 30 days since my original request so this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. The papers I revived did't show me anywhere the FABCO is a entity that is entitled to FORCE a claim against me based on OHIO XXXX XXXX Taking assignment of debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am refinancing my house with Freedom Mortgage and apparently, I took too long to send the information they need. The first inquiry was made on XX/XX/XXXX which I did authorize but later talking with the loaner agent he mentioned that needs to run my credit score again, I said DONT DO IT, next day I got a notification from XXXX XXXXXXXX about that inquiry. I have screenshots that can submit. The inquiry I don't authorize was made on XX/XX/XXXX. Freedom Mortgage record all their calls so you can ask them for the call on XX/XX/XXXX with XXXX XXXX.
Product: Credit reporting

I have repeatedly disputed a chapter XXXX bankruptcy on my credit report with Equifax. Each time they have responded back that they verified the information. I have repeatedly asked for evidence to support their claim and their procedure on how the investigated it. They have failed to provide me with a copy of any viable evidence submitted by Iowa XXXX XXXX in XXXX XXXX, substantiating their claims. After verifying with the Iowa Federal Court in XXXX XXXX that they did not supply any information to Equifax nor has Equifax requested the information, I called Equifax and spoke with their Dispute Center. The representative that I spoke with advised me that they did not verify the information with the Iowa Federal Court in XXXX XXXX. She stated they verified this information through the Iowa Federal Court. I advised her that I contacted the Court House and was told that they stated that they do not supply information to credit reporting companies. She stated it was also verified through XXXX. I followed up with XXXX and disputed the item with them. After their re-investigation, XXXX removed it from my file which they maintain under my social security number. When I requested they re-investigate my dispute, I attached the documentation from XXXX showing that they permanently removed the bankruptcy from my file for their review. I faxed the information and I mailed a copy via certified mail to Equifax. I believe they have been acting in bad faith, and have not complied with the Federal Trade Commission ( see 15 USC 41, et seq. ), and Equifax never marked my credit report as being disputed either.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS IN REFERENCE TO A XXXX  CREDIT CARD WITHA BALANCE OF XXXX I HAVE ADVISED CRDEIT REPORTING COMPANIES TRANSUNION, XXXX  AND XXXX  THAT THIS IS A DUPLICATE ACCOUNT. THEY ALL KEEP VERIFYING IT AS ACCURATE. XXXX HAS CONCEDED THAT IT IS BEING REPORTED INACCURATELEY YET THEY VERIFIED IT AS ACCURATE WITH THE BUREAUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2022, I wrote to the bureaus questing an investigation into items that I believed were INACCURATE. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again for them and request that they reply within a reasonable amount of time, and they failed to do so.
Product: Mortgage

Ocwen over charged us approx up to {$170000.00} in excess fees and escrows, interest etc. and would NOT give us accounting prior to our settling this mortgage when we sold house In  XXXX  or to present after we and attorney requested a myriad of times to see the accountings. Right. NOw we have filed lawsuit against and still are not getting the paperwork
Product: Checking or savings account

On XX/XX/year> I paid XXXX XXXX XXXX XXXX {$2500.00} and an additional {$2900.00} on the XXXX to move a container. 
For months the company did not provide the service. I had to call them for several days before anyone would answer the phone. 
Finally, on XX/XX/year>, I paid a different vendor to move the container. 
I have been trying to get a hold of XXXX XXXX XXXX XXXX ever since. I call them every XXXX minutes for a whole week with no response. Or if they do answer, they say they'll call me back and never do. 
I opened a claim with Chase bank on XX/XX/year> but my claim was denied stating I have to contact the vendor directly. I have provided Chase with photographic evidence that the service was not provided. I have provided photos of the call log on my phone showing that I can not contact the company. I also provided the receipts ( and photo evidence ) of the OTHER vendor moving my container. 
But they simply say the claim is " Denied '' and will not provide a reason, other than stating I should call the company directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that Experian prove to me how they " verified '' that the account with XXXX XXXX, XXXX. is my account. They reported back that it is verified but does not give the METHOD OF VERIFICATION. According to FCRA 611 ( a ) ( 2 ) ( B ), they were required to forward all of the relevant information from the creditor for their investigation of my dispute. This never happens. Credit bureaus have been taking advantage of consumers during Covid. They are not posting good accounts on time but bad accounts are verified IMMEDIATELY. I am prepared to sue the credit bureau at this point for reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day! 
I was trying to get a approval to buy a house and I received this report on my Transunion credit bureaus that I was late on XXXX XXXX for 60 days in XXXX and XXXX month XX/XX/2014, it is incorrect information I was always on time and never was late for 30 days or more I paid XX/XX/2014 and XX/XX/2014 bill, and here is a proved in attached file, please I wanted CFPB to help me to remove this delinquent from my Transunion bureaus.
Product: Consumer Loan

I took out a title loan on  XXXX / XXXX /  XXXX   with a company cal led Time Finance  located in  XXXX , NC. I ran into some financial hardships after completing  XXXX   XXXX   XXXX  , and was unable to find employment. As expected the company repossessed my vehicle. I have learned recently that they sold the vehicle at auction. When the loan was taken out they assigned a value to my vehicle that was more than the loan itself. With the repossession, I did n't fight it knowing that there was a balance owed that I was unsure would be paid. I assumed that the loan company could more than recoup its losses with the sale of the vehicle. I was not contacted to be notified of the sale, nor was there correspondence of the vehicle being repossessed. I just came out to find it gone. Later the agency reported to the credit bureaus that the account total was {$710.00} approximately. The entire loan amount was  XXXX  dollars, and at the point which payments stopped the balance was approximately  XXXX . The company, when contacted, told me that they sold the car for {$250.00} at auction, and that the actual balance on the loan was  XXXX  dollars. I fail to understand how they arrived at these figures, and feel that the company has taken advantage of me. They not only took a source of transportation without notice, but they left me unable to secure means to make good on the loan. My life was left in shambles, and now they essentially want me to pay the full balance on the loan, not including the damages and payment they 've already gained.
Product: Credit reporting or other personal consumer reports

Was told that the late mark on my credit would be removed due to the lateness being a technology error. The payment hadnt gone through properly and instead they never notified me. They just marked my credit and never mediated the situation. It has been on my credit for 2 years and no one has done anything.
Product: Credit reporting or other personal consumer reports

I contacted Transunion about the following inquiries that i do not recognize on my credit report but they did not contact me back. these inquiries are not accurate. According to consumer credit protection act, the bureau has to remove inquiries mentioned above within 4 days. I contacted Transunion about the following inquiries that i do not recognize on my credit report but they did not contact me back. these inquiries are not accurate. According to consumer credit protection act, the bureau has to remove inquiries mentioned above within 4 days.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

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

I am filing a complaint against equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), 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 CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

I was harassed by JG Wentworth to sell annuities while I was in a vulnerable state, causing me to lose over half of the original amount that was owed to me on a life insurance policy.
Product: Debt collection

Amsher collections has been repeatedly calling my number several times a day. And also pulling my credit report from the bureaus since XX/XX/2019. 

I do not have an account with company neither did send a written notification stating same.
Product: Debt collection

Spring Oaks Capital , LLC ( Debt Collector ) XX/XX/2022, violated my consumer rights to privacy, FDCPA and committed aggravated identity theft ( 18 USC 1028A ). Spring Oaks, knowingly obtained ( purchased ), possess, and used my Personally-identifiable financial information without my consent or legal authority ( Gramm-Leach-Bliley Act ), to unlawfully by extortionate means punish me ( reporting to my consumer report to tarnish my reputation ) and attempt to collect on an extension of credit ( 18 USC 894 ( a ) ( 1 ) ( 2 ) ( Up to 20yrs in prisons for violation of 18 USC 894 ( a ), that I extended to another organization and not Spring Oaks Capital , LLC. They are misrepresenting my extension of credit and attempting to collect an alleged debt that I didnt give them consent to communicate with me about and is not mine.
Product: Credit reporting

I made a FDCPA formal inquiry into XXXX XXXX XXXX XXXX as well as XXXX. My formal request for the information that is due to me ( by law ) was sent via certified mail. After no response for more than 30 Days, I submitted this information to all XXXX credit bureaus, as The information was on my credit report illegally according to the Fair Debt Collections Practices Act. I sent copies of the formal requests for information AND copies of the certified mail receipts. I will attach those documents to this report as well. At this time i would like to know if Transunion is depriving me of my consumer rights under the Fair Credit Reporting Act. And I have received no communication from Transunion regarding the reasons behind their incorrect and unfair findings in this matter ; so can you please investigate this as well. If these companies are found in violation I believe I am due {$1000.00} per occurrence. Thank you very much for your time and diligence in this matter. These ILLEGAL negative items on my credit are creating financial hardship - I am a XXXX Veteran and I am on a fixed income. I would like Transunion held accountable if indeed I am correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX {$2900.00} XXXX XXXX LAST REPORTED : XX/XX/XXXX {$2900.00} XXXX XXXX XXXX  {$270.00} XXXX XXXX XXXX LAST REPORTED : XX/XX/XXXX {$270.00} NEEDS ATTENTION XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX XXXX CLOSED : XX/XX/XXXX {$3600.00} CLOSED XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SEVERAL FRAUDULENT ACCOUNTS WAS OPEN IN MY NAME THE THIEF STOLE MY ID NAD SOCIAL SECURITY NUMBER AND USE IT TO GET MEDICAL AND AUTO LOANS AND CREDIT AND UTILITY ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRASs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. The items in dispute are as follows : XXXX XXXX XXXX XXXX {$330.00} XXXX & XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX XXXX XXXX