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

Im filing a complaint against Equifax and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax and XXXX 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.S 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in CFPB 's recent administrative proceeding. ( XXXX XXXX. XXXX ) 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: Credit reporting or other personal consumer reports

This debt is being reported by multiple companies on my credit report and does not meet the XXXX reporting requirements. I do not recognize how or why it is reporting. I have contacted this agency to correct this issue and have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/10 I applied for a credit card offer through experian. The notification stated the offer for XXXX XXXX issed by XXXX XXXX Experian had this as my top match for approval so I applied but I was denied. I understand things are subject to approval but after receiving the adverse action letter which stated the reasons for denial I quickly realized I did not meet any of their criteria for approval. Why then was this a top credit match when I did not meet minimum score, credit length, income, etc. which are credit basics. 

I would like to request the hard inquiry be removed as the credit match criteria did not fall along the parameters for approval in most of the guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against Equifax for not removing multiple items on my credit report that I have disputed as " Not Mine. '' Equifax has failed to fulfill their obligations under the Fair Credit Reporting Act ( FCRA ) 611, 15 U.S.C. 1681i, and the Fair and Accurate Credit Transactions Act ( FACTA ) amendments to the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ), to ensure the accuracy and completeness of the information on my credit report. Despite providing them with the legally required notice, Equifax has not taken the necessary actions to resolve this issue. I request that the CFPB intervene to ensure Equifax conducts a thorough investigation and removes the disputed items from my credit report in compliance with the applicable laws.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear Consumer Financial Protection Bureau, I am writing to express my extreme frustration with the persistent inaccuracies on my credit report, specifically regarding the XXXX account with the account number XXXX. Despite multiple attempts to resolve this issue with TransUnion and XXXX, the problem remains unresolved. The XXXX account, which was closed on XX/XX/year>, is still being reported as open and negatively impacting my XXXX XXXX. This is the fifth attempt to address this issue, and the lack of resolution is both frustrating and unacceptable. By continuing to report inaccurate information, TransUnion and XXXX are violating the Fair Credit Reporting Act ( FCRA ). This federal law requires credit bureaus to provide accurate and timely information about consumers ' credit history. I urge the CFPB to investigate this matter and take appropriate action to hold these credit bureaus accountable for their repeated violations of the FCRA. It is evident that TransUnion and XXXX are either incapable or unwilling to correct this error. Their negligence has caused significant financial harm and emotional distress. I believe it is imperative that these credit bureaus are held accountable for their actions. Recent reports have highlighted the CFPBs shortcomings in addressing consumer complaints. I hope that by filing this complaint, I can contribute to a larger effort to hold these institutions accountable and ensure that consumers rights are protected. I urge the CFPB to investigate this matter thoroughly and take appropriate action to compel TransUnion and XXXX to correct the inaccuracies on my credit report. Thank you for your time and attention to this urgent matter. 

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

I LOST my wallet along with my SSN card long ago. I am a victim of XXXX XXXX. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of XXXX XXXX. Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX EMPLOYER - NONE
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , INC ) due to inadequate customer service and unfair practices, which violates ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act have caused significant inconvenience an financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

As of XX/XX/XXXX My Remaining Balance in my account is- {$24000.00} I'm very upset with Citi Bank the XXXX Customer Service I've received along with many other things around the end of XXXX My account & Debit Card had all of sudden randomly stopped working I noticed this around XXXX I couldn't even buy a {$4.00} toothpaste or candy bar which was odd considering I had over {$22000.00} in my account. I then checked for any Alerts for Declined transactions or To Verify it was me nothing. So I waited to see if was that day But then my card continued to NOT work for the next 3 Days so I called Citi Bank support they said there was hold on my account till I had called verified with them some information I did that then they said try again in 5-10 mins I did still didn't work then I called again and same thing happened. Then a XXXX time someone said no your account is on hold till further notice. Which is was weird because there was issues with my account as far as unrecognized charges But I had resolved those issues & was assured can still use my account with no issues. Then I called again around XX/XX/XXXX XX/XX/XXXX to find out no one can tell me when my account 's hold will be removed or why it was there to begin with. They said had to Go To my Local Branch since it was a Back Office issue & they couldn't transfer me. I went to my local Branch they said it was due to fraud or the disputes I had made for unrecognized transactions, But I told the Banker That I had already resolved them and I was told that my account would still work fine but it's not. He then called I believe to be a HR person from Fraud & Security who said the account will be going through Closure and I could get a check in person at the Branch within 2 days I come back XXXX  days later He calls the lady telling her Im back and Would like to withdraw all money that was in my account She then says I can't it will be mailed in XXXX business days. I waited XXXX  days which would of been XX/XX/XXXX No check nothing Then I went back to the branch they Said now it will be a 30-60 Day Wait Mind you remember My account was XXXX on XX/XX/XXXX so 60 days would be XX/XX/XXXX and XXXX XX/XX/XXXX being Yesterday as I write this. I still have no info on Tracking Number any progress or what carreir will be shipping my check. I called again today only to here the same " We have no Info even after 30 days of apparently closing a account ''. 

Days I called to fix issues or alerts or Inquire info with my account ( Some may be around the Date listed ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I need to pay rent my car payment and other things I cant wait any longer for MY MONEY. No other bank institutions the U.S. takes 30-60 days to mail a check from Account Closures **I ALSO INCLUDED A LINK ROUGHLY XXXX OTHER COMPLAINTS OF THE SAME ISSUE FUNDS AFTER ACCOUNT CLOSURE SOME PEOPLE HAVE WAITED 6 MONTHS+ TO GET THEIR MONEY*** I WILL BE CONSIDERING A LAW SUIT AGAINST CITI BANK https : XXXX
Product: Credit reporting or other personal consumer reports

All of a Sudden my child support is on my credit report! I have never missed a payment and have followed our original agreement that we agreed on during mediation. XX/XX/2024 they did a readjustment through the court and my payment went up and thats all that happened. I never missed anything. I dont owe backpay. Why does it say that I have a balance? It does show that I never been late. I need this fixed and/or explain to me because this is a right and it shows that Im in debt when I am not, I have documents from the court of our original agreement and then it was adjusted up like I said in XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a XXXX  for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file. 
XXXX XXXX XXXXXXXX Date Opened : XXXX -- XXXX Balance :  {$1600.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit card or prepaid card

I am an an independent XXXX XXXXXXXX working as a sole proprietor Delaware XXXX under the name XXXX XXXX XXXX. I have a client, XXXX, located in XXXX XXXX. On XX/XX/2021 I, XXXX XXXX XXXX, issued an invoice to XXXX via XXXX XXXX XXXX in the amount of {$650.00} USD. XXXX paid the invoice with an American Express card via XXXX on XX/XX/2021. 

Approximately 10 days later XXXX discovered a fraudulent transaction on their American Express account unrelated to their business with me, XXXX XXXX XXXX. According to XXXX, when they reported the fraudulent transaction to American Express, American Express without notice or authorization from XXXX, proceeded to cancel and chargeback all transactions that had be made account during the proceeding month. 

I received a notice of chargeback on the XXXX payment from XXXX on XX/XX/2021. I immediately contacted XXXX and they advised me that American Express had " the same problem with ( another vendor ) .... Amercian Express cancelled all payments without telling us. We are so sorry about this. ". 

I attached XXXX 's reassurance that the chargeback was not authorized by them to my response to XXXX however XXXX, on or about XX/XX/2021, determined that my response was insufficient to contest the chargeback and without any further notice to me, proceeded to close the case an issue a refund of the {$650.00} payment and charge me a {$35.00} dispute fee. 

So me, XXXX XXXX XXXX the seller and XXXX the buyer have, and never have had, any dispute with each other over this payment. American Express has, without the card holder 's authorization, imperiled XXXX 's business relationships and deprived me, XXXX XXXX XXXX, the seller of a duly authorized payment. 

XXXX has assured me, XXXX XXXX XXXX, since XXXX that American Express has acknowledged the problem and promised to reverse the chargeback. XXXX has advised me that American Express has in fact reinstated the charge to their account. XXXX however tells me, XXXX XXXX XXXX, that they have no notice a reversal of the chargeback and therefore the {$650.00} debit plus the {$35.00} remain on my account. 

At this point, American Express has effectively robbed both XXXX and I of lawful funds. They have caused immeasurable damage and friction between two otherwise happy businesses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED SO MANY TIMES WITH EXPERIAN CREDIT TO REMOVE ALL OLD ADDRESS WHICH MY MAILS GOES TO OLD ADDRESS WHICH DOSENT BELONG TO ME. I HAVE REQUESTED EXPERIAN TO UPDATE MY CURRENT ADDRESS THEY HAVE NOT DONE ANYTHING SO FAR. I AM ATTACHING MY CURRENT ADDRESS ID SO PLEASE UPDATE MY INFO AND DELETE ALL THE OLD ADDRESS
Product: Student loan

Below is an exchange with the company via XXXX XXXX. Following XXXX XXXX I sent a certified letter explaining my situation and asking them to reach out to me. I received a letter dated XX/XX/2022 welcoming me to the company, listing basic information and FAQs about the company, and my loan information. I was on the verge of having my loan forgiven prior to this company taking over my loan and prior to XXXX XXXX  announcement and I am concerned that I will need to begin making payments again even though my loan should be XXXX at this point. HOURS waiting for a customer service agent is inexcusable. I do not know anyone who has the time to wait that long to speak with someone. 

Via XXXX XXXX : XX/XX/2022, XXXX AM Me- I HAVE BEEN LISTENING TO RECORDINGS FOR XXXX MINUTES!! How do I speak to a live person about my my account?! I tried to create an account online but it said I have already registered. When I clicked the forgot username and password, it said that info in not on file. Also, my account was transferred from XXXX  XXXX and you have not reached out to me yet. 

XX/XX/2022, XXXXXXXX XXXX  MOHELA - XXXX XXXX You will need to speak with us about account specifics as we can't discuss account details here via XXXX Thanks for your patience Me - Can you tell me how to reach someone I can speak with? 

MOHELA - After the recordings are done, your call is then placed in a queue and you will be transfered to the next available representative. It can take hours due to the heightened interest in loan forgiveness Me - Hours is not acceptable. If you were not prepared to handle the influx of calls, you should not have taken my loan. 

MOHELA - We are prepared, however, with the recent announcements about loan forgiveness, now all borrowers are asking and calling. This has created the large wait times.

Me - Also my problem is with the website its self - I have never registered an account but when I try, it tells me I have but then when I try to retrieve the info it says I havent. Fix this IT issue and I wont need customer service. 

XX/XX/2022, XXXX PM MOHELA -Thanks!
Product: Debt collection

I respectfully request full investigation and based on the information I have provided I request the SOUTHWEST CREDIT SYSTEM be fined for violating my rights and forced to comply with the regulations and laws protecting me from there unlawful practices. They placed a collection on my credit and refused to verify the alleged debt and they also refused to verify they owned the alleged debt they are attempting to collect. SOUTHWEST CREDIT SYSTEM needs to provide the legal documentation they ( own ) the alleged debt ( Bill of Sell, Affidavit from original creditor verifying the Bill of Sell, and contract or agreement with my signature ) or cease all debt collection activities and remove the alleged debt from my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

My purse was stolen out of my car in a XXXX parking lot ( XXXX, NC ). I did not do a police report at that time. After recently pulling a copy my credit report I noticed that there are quite a number of medical debts that are n't mine. I immediately contacted the collection company who did not help me and then I contacted the credit bureaus. I disputed all items asking that signed documents be shown as proof that these charges belong to me. I have not received any original signed contracts to prove that these accounts are mine because there are none. I was told to get a police report but the years in between now and then of coarse that was impossible. I understand that each bureau reports differently however truthfully these accounts do n't belong on any of these bureaus credit report for me. I have attached my FTC Identity Theft Report Letter as well as the letter that I sent to Experian and XXXX XXXX/XXXX/XXXX. These accounts are making my credit bad and hurting my credit credibility. I have been trying to have these accounts removed for about three months now. This is unfair to me and I really need it to be fixed.
Product: Payday loan, title loan, or personal loan

PENNSYLVANIA credit statues of limitations is up to 7 years and it should NOT be on the report anymore.
This acound was closed in XX/XX/XXXX. It is more than 7years.
However, they reported a wrong date, late payment was XX/XX/XXXX.
It is not correct imformation. They reported the wrong date. 
It should be fix and remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed an account with Transunion reported by XXXX XXXX XXXX ( XXXX XXXX under account XXXX. I was informed on XX/XX/XXXX that the item was deleted from my credit report. 9 months later on XX/XX/XXXX I have discovered that the item has been reinserted on my credit report. I sent Transunion a request for re-insertion reason on why this is back on my file while it was not reported for 9 months. I received no such notification. In XXXX, they sent me back letter that information they received was verified. 
On XX/XX/XXXX I sent another letter to Transunion for Re-investigation and METHOD of VERIFICATION on how they verified this information. I have sent USPS mail signature delivery tracking # XXXX XXXX XXXX XXXX XXXX XXXX was signed by Transunion representative : XXXX XXXX on XX/XX/XXXX. It has been over 30 days since I sent this Re-investigation and METHOD of VERIFICATION and have not received any information back. If they can not verify any correct information this account must be deleted immediately.
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account I C SYSTEM XXXX balance {$210.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely.To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING.The Federal Trade Commission recently took action against a XXXX XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX . 
I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.