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

Confirmation number so Equifax can see my report. XXXX equifax removed a XXXX XXXX closed account off of my bureau 4 years ago because I proved it was not mine. It has since been off of my report since then until last month they decided to put it back on my report again which is illegal. They also have re aged the account to show last months date even though it shows the account was opened over 7 years ago and are reporting it with a charged off balance which is dropping my score by over 70 points. I have tried to dispute this error but it shows unavailable to dispute on equifaxs site. This is the only negative account I have on my report and it is keeping me from refinancing my home which is costing me thousands of dollars. equifax needs to remove this account completely again from my report or I will be filing a suit
Product: Credit reporting or other personal consumer reports

I didn't begin these requests, and I have no alliance with these XXXX XXXX. Kindly remove them from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputing Inaccuracies on My Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AFFIRM INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I've been contacted by your company about a debt you allege, I owe several times from AFFIRM INC XXXX XXXX XXXX XXXX This Collection account is reporting not only as Open on all accounts but also shows a past due balance of [ {$260.00} ]. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I am requesting that your company provide me with debt validation be advised, this is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( FDCPA '' ). Please provide a breakdown of fees, including any collection costs. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any. Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA. 


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

Please be advised after careful review of my consumer report I have come across the following items on my report. 

XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX  XXXX Account number XXXX Duplicate account XXXX XXXX XXXX XXXX Account number XXXX XXXX ) ( XXXX ) There are multiple inaccuracies regarding the reporting of the said alleged debt. 
These accounts is currently reported as charged-off. 
This account exceeds the XXXX dollar threshold, I was never sent a 1099c which this account qualifies as realized income. Furthermore with this account now being considered income this account no longer falls within the guidelines on the FCRA as debt and now must be removed from all credit reports in compliance with 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Delete these accounts IMMEDIATELY Failure to respond satisfactorily with the above accounts deleted from these referenced accounts and send out a free copy of my report after said changes have been made will result in legal actions taken against your company, for which I will be seeking {$1000.00} for each violation for : Defamation of character ( per se ) Negligible enablement of Identity fraud Fair debt collection practices act 15 U.S. Code 1692g violations fair credit reporting act 15 U.S. Code 1681 violations for willful noncompliance 616 civil liability for willful noncompliance 15 U.S. Code 1681n Signed XXXX XXXX enclosed is a copy of my ID and proof of address
Product: Debt collection

I had a bill from XXXX that I defaulted on and made all payments to Stellar Recovery Inc for the amount of {$280.00}. I have made final payment to the account and now I am being told that I defaulted on a payment and have NFS fee 's from my payment in XX/XX/XXXX. I am being charged an additional {$30.00} to this account. The payment in XX/XX/XXXX was automatically withdrawn through my bank and I have checked with the bank and there are no return fee 's on my account. I checked with Stellar Recovery and was told I had to handle it through XXXX. I have called XXXX sent them proof and I am still being given the run around. I called on XX/XX/XXXX and was told to give them 7 days to process and they would contact me. I called again today and was told I need to give them an additional 7 days to process again. They do n't provide someone in there collections department to speak with and I am getting no where with closing this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to Equifax on XX/XX/2020. By us post office mail not via email. It's been three and half months and they have not replied. 

I disputed an account under the name of XXXX XXXX  XXXX # XXXX. I attempted to get my report online and they don't allow me access online either. So they are not sending me a report by mail to check the results of my dispute and they are not allowing me to get my report online
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. I want reported accounts removed. 

OLD ADDRESSES : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX, ALL XXXX NC XXXX CURRENT AND ONLY ADDRESS AS OF XX/XX/XXXX2025 IS : XXXX XX/XX/XXXXXXXX XXXX, NC XXXX Primary Email : XXXX Birth date : XX/XX/XXXX XXXX XXXX XXXX XXXX Alt email : XXXX DL # XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX at XXXX EST. I called Capital One bank and spoke with a XXXX XXXX the XXXX of capital XXXX. I explained to her that my rights were being violated per the Fair credit reporting Act & the 1974 Privacy Act. I also brought to her attention there is a billing error with the account I have with Capital for an auto loan. According to 15 U.S.C 1666d Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall- ( A ) credit the amount of the credit balance to the consumer 's account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit.

So I called and informed her and persons I spoke with prior to that I would like my account credited in full because did what the law says by calling and requesting from the lender/creditor
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to express my deep concern and dissatisfaction regarding the recent permanent limitation placed on my PayPal account ( XXXX ). I believe this action was taken in error, and I respectfully request a thorough re-evaluation of my case. 

First and foremost, I want to emphasize that I have always strived to adhere to PayPal 's policies and guidelines. I have not engaged in any activities that would warrant such a severe measure. The permanent limitation has not only disrupted my financial transactions but has also caused significant inconvenience. 

I kindly request that you initiate a comprehensive review of my account activity to identify any potential misunderstandings or mistakes that XXXX have led to this limitation. I am confident that such a review will reveal my compliance with PayPal 's terms and conditions. 

I understand that PayPal takes account security and policy adherence seriously, and I fully support these efforts. However, I believe that in my case, there has been a misunderstanding or error in judgment. I kindly ask for the opportunity to present any necessary documentation or information to support my case during this re-investigation process. 

Ultimately, my goal is to have my PayPal account fully restored, enabling me to resume normal use for legitimate transactions. I have been a loyal PayPal user for an extended period, and I value the services you provide. 

I kindly request your prompt attention to this matter and a fair and impartial review of my account status. I am confident that, upon closer examination, it will become evident that the permanent limitation on my account was unjustified. 

Thank you for your understanding and consideration. I eagerly await a positive resolution to this issue.
Product: Credit reporting

Have requested several times for Equifax to send me my correct and updated credit report and score ... still have not received it.
Product: Mortgage

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  advised that my loan servicing was transferred  to PNC M ortgage. My notice advised that I had 15 days before having to make payments to another servicer. To put this in context, I was about to go on a 60 day trip overseas and could have completely missed this letter. The amount of time given was completely inadequate and I could have lost my home to foreclosure or at the least been charged a slew of fees and had my credit damaged. This is completely unacceptable. Given that my loan is for 30 years, nothing should move as fast as this. 3 months should be the minimum amount of notice of a transfer. Auto-draft payments should transfer, and there should me much more notifications than a simple letter in the mail that can easily be lost.     Additionally, I called the company today (  XXXX / XXXX / 17  ) and am unable to make my regular payment. They advised that my loan was " being processed '' I would not be penalized. I however, have no written guarantee or protection.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of the following account from my credit report due to identity fraud : Creditor Name : XXXX XXXX XXXX XXXX Partial Account Number : XXXX 

I am requesting that this account be immediately removed from my credit report in accordance with the Fair Credit Reporting Act. I have already taken the necessary steps to report the fraudulent activity to the appropriate authorities and have included a copy of the proof of identification / address and the police report/ FTC identity theft report with this letter. 
I understand that it may take some time for the fraudulent accounts to be removed from my credit report. However, I am requesting that you provide me with written confirmation that the accounts have been removed within 7 days of receiving this letter.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 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 under 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: 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 federal protected consumer rights to privacy and confidentially under 15 USC 1681. 

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

15 U.S.C 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 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau 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 items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I had XXXX in XXXX, told them I knew I 'd become a few months late with payments ( I believe it 's 4 ). They told me we 'd do a modification, not to worry. I filled out all the forms and provided all the documents. The mod arrived in the mail stating a slightly lower monthly payment, a higher int rate than I was already paying ( 3.87 current, 4.0 new ), and extended my mortg from becoming mature in XX/XX/XXXX to XX/XX/XXXX - approx 20 years more! Okay, this seemed crazy for just being behind 4 months. I did not want my mortg extended another 20 yrs, so I asked for a breakdown so I could understand it better. All they gave me was a total payment amount with one including principal and interest and the other was the escrow ( also, they were including my mort payment which I 've always paid through XXXX for over 20 years, and they were adding mortg insurance which I 've never paid in my life ). 
But, simply asked for the breakdown. As of XXXX/XXXX/XXXX on my last conversation with them ( out of approx 10 conversations ) they told me the same thing, that they ca n't let me talk to the loan mod dept person, they are too busy, I have to go through their group of cust serv people. Well, I said that 's fine, but I still did n't get the answers to my letter from XX/XX/XXXX ( as discussed during each phone conversation with them since XX/XX/XXXX ) and there 's no excuse at this point except to think they are doing something wrong and I need to call someone like a lawyer or mediator ( counselor ) to help me. Then someone gets on the phone and says there 's a response time for this type of thing, would I like to know what it is? 
So, I said " really? '' Now, after 2 months, you want to tell me something nobody else has told me on any other previous phone conversation? So, I said " NO! I do n't want to hear it '' at this point there 's nothing he should be telling me that did n't get said in XXXX. Now, I have an appt with XXXX - to meet with a certified housing counselor. I 've been in this house since XX/XX/XXXX. My child was raised here and he 's now XXXX. He just lost his father 2 weeks ago. I do not want to lose my home. I believe they should 've suggested another alternative to save my home since I owed more than it was worth during my last re-fi 5 yrs ago. I still owe more principal that it 's worth, even according to my homeowners insurance co, XXXX, who informed me to obtain a new appraisal. But, I ca n't afford to, according to the city I pay taxes to, whom I had written. If I had known I could n't applied for assistance to reduce the principal, I would 've done so. Now, I believe it 's too late.
Product: Credit reporting or other personal consumer reports

It is so frustrating and disappointing that my requests to correct inaccuracies from my credit report have been consistently ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked over my Credit Report and Noticed some Incorrect information on it. 

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.

Account name : XXXX XXXX XXXX in the amount of {$870.00}, 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.

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

these are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They stole my money and took my car and then tried to sell it to a different company after reporting them to the XXXX  they cleaned up their mess made fake documents that was not there before and I have proof ruined my credit my life still ruining my credit with this third party delaying me from moving ahead In life then after 2 years sent me the payoff balance of XXXX after fixing their mistakes removing the incorrect amounts thousands of dollars in mistakes and then sold it to a third party company without my permission they sent me a completely different printout of numbers. They are reporting inaccurate information. Two totally different numbers couldnt keep track of information breaking major laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Showing my credit score at least 100 points higher than it really is. Ended up with a number of denied cards and inquiries due to me thinking my score was was higher than it actually is.
Product: Student loan

Student Loan Movement promised to make payments to my federal student loans on XX/XX/XXXX with 4 initial payments of {$220.00} and payments of {$39.00} thereafter. After careful consideration and investigation no payments have been made to the original federal student loan of {$36000.00}. I look at the student servicing statements and see no payments made throughout this period of nor contact was made to adjust any updates or payment plans. 

I have attached to original company of the agreement between myself and Student Loan Movement but was not able to pull up all transactions between my bank and Student Loan Movement. My bank did look into the transactions but were only able to go as far back as XXXX of XXXX. The original contract between myself and Student Loan Movement was on XXXX of XXXX there are emails going back from XX/XX/XXXX to XX/XX/XXXX with reminders of payments to be made and unsure of how to attach these emails other than screen shots of my PC.
Product: Credit card or prepaid card

The account in discussion is Citi-Shell Account # XXXX the issue at hand is a late reported in XXXX 2020, Back in XX/XX/2020 I was unable to make the payment due to Covid-19. When I was well enough to work I did make the payment immediately.