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

I am not able to login to my Equifax account. I only get this message " We are temporarily unable to complete this request. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my educational loans have been forgiven/discharged but the credit bureaus still list one them on my report as unpaid. 
I have disputed charges on my credit report with all three credit reporting agencies and when they investigated they said the info was correct and the account stays the same. They claim that they have verified the info through the Dept of Education or XXXX. This is not true because I have a letter of discharge and I have called every department which all have confirmed the same info of my loans discharges having a XXXX balance. This is unfair, unacceptable, frustration and illegal! Please Help!
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 XXXX 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 ( File No. 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

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 Report 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 have also included the accounts. These are the accounts I have marked as inaccurate. 

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
Product: Checking or savings account

I submitted a claim and they said I would receive a refund check in 20 days Its been 40 days a no refund I called and now they said there is a delay I ask how long is the delay and they said they cant give me a update at this moment
Product: Credit reporting or other personal consumer reports

Hello I Have and Account named XXXX  on my Credit Report that doesnt not belong to me, Im requesting for it to be removed. I contacted the company and whatever was order was shipped to a different location
Product: Checking or savings account

I opened a CD on XX/XX/XXXX and it was to mature on XX/XX/XXXX. 
I never received any letters or emails from the bank about the maturity and disposition. 
All of a sudden I received an email that they have renewed the CD for a period of 9 months without my authorization or consent. 
Since I received the email, I contacted the bank and asked them who authorized this., because I did not want to put the money for that period. 
I am elderly with XXXX female. I argued with the customer service, but they didnt want to do anything. 
If I wanted to break the CD, they would charge penalty. To me, this is wrong and they are cheating me. 
I dont know if this is fraud. 
I need your help ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified inquiries listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please eliminate the following inquiries completely from my Credit 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Checking or savings account

I am a vendor for the Federal CJA in the XXXX XXXX XXXX Pennsylvania. I am paid through U.S. Treasury Company name / BofA business checking account info/ EIN number are all attached. 

Friday XX/XX/2023 - I made a mobile deposit of 6 checks ( images attached ). Each check has an accompanying voucher number/case number/client name etc. ( images attached ) Monday XX/XX/2023 - My Account was closed - no reason given Spoke to " Risk Management Dept. '' 4 times over the a few weeks. I was told they are verifying the checks. 

XX/XX/2023 - Received letter ( attached ) and refund check for {$970.00} ( attached ) from BofA XXXX- I was transferred to the Check Fraud Dept. '' I was told that Hold Harmless Dept. has decided not to release my paychecks back to me.

One or two calls later, I was told that the matter was transferred to the " back office '' at Bank of America and no agent on the phone could give me any more information after that point. 

I have uploaded a PDF file with all the necessary information
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried reaching out to XXXX XXXX XXXX Credit Card Services due to information not updated on my credit reports for XXXX, Equifax, and XXXX. This account is Closed and Paid in Full at a {$0.00} balance. I paid the full balance in the amount of {$360.00} on XX/XX/2020. I found out on XX/XX/2020 that the bank added interest in the amount of {$7.00} on XX/XX/2020, after I've paid the balance in full. I paid that interest as well but the company never updated the Closed XXXX Balance status. I reached out to the company back on XX/XX/2020 to send the update to the 3 credit bureaus. The status was never updated. Its the end of XXXX and the status is still not correct.
Product: Money transfer, virtual currency, or money service

In 2021 during the ice storm and the freeze here in Texas, a scammer called me pretending to be From Cash app had me do a transfer from my bank account to Cash app and then from there somehow pulled out the money through my cash app and the amount of {$1900.00}. This was the time when there was no power no heat or water in XXXX. XXXX XXXX or Cash app would return the money.
Product: Credit card or prepaid card

Marriott XXXX Visa Card with Chase Bank : Paid {$830.00} on XX/XX/XXXX in advance of the XX/XX/XXXX Due Date. 

Payment was reflected in reduced balance on that date but available credit still reflected as {$0.00}. 

Money was taken out of checking account on XX/XX/XXXX. Available credit still reflected as {$0.00} on XX/XX/XXXX. 

Contacted Chase and was told that it wouldn't be until XXXX  XX/XX/XXXX that credit would be available. 

No explanation was given as to why they had my money - it was in their pocket - and I could not utilize those dollars for a week 's time. Chase was earning interest on my {$830.00} and I couldn't use my own money!
Product: Credit reporting, credit repair services, or other personal consumer reports

the list of inquries listed below are a result of indenity theft i did not give premission to have my credit ran by these company i have rights and they have been broken please remove and send me how you investigate these inquries thanks 1 community credit on XX/XX/XXXX 2 equifax mortgage services on XX/XX/XXXX 3XXXX XXXX on XX/XX/XXXX 4'XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to an investigation into " Billing Error '' for debt claimed by XXXX XXXX XXXX. 

However, the attached email from Equifax does not contain the actual results of the investigation. In fact, despite multiple attempts to obtain/contest the results on " myEquifax website '', I am yet to gain access, receive the copy of the investigation by Equifax. 

Please be mindful that this is an ongoing contest by us for Federal violation under FCRA and Equifax can be prosecuted for the same.
Product: Debt collection

XXXX XXXX XXXX XXXX  provided sensitive, secured, and protected information to a third party ( Credence ) that then prompted that I owe them money on an account that I don't have with them, they've harassed and violated my federally protected information by sharing and selling my information. This has resulted in my CREDIT SCORE BEING LOWERED OVER XXXX POINTS. They reported this information multiple times causing my score to lower rapidly. I wanted to apply for a new credit and was unable to do so also I went to get advice on making a new vehicle purchase and was advised my score wouldn't be adequate to purchase the vehicle. Due to this situation I have been nervous to even go for a home loan, which is a major hindrance, due to knowing my score.

T-mobile has done the same, this service was created under coercion. I went to a XXXX one night in need of a phone I decided to purchase a prepaid cell phone there was a representative from XXXX there that seemed very excited about me making a purchase on a phone they then showed me offers and Told me that the price of my bill would be {$55.00} a month the following month I received a bill {$100.00} which I had no knowledge of due to the Fact the woman had told me it would be {$55.00} that month. I then canceled the policy before XXXX  days which they said there would be no charge. These guys also violated my privacy by selling my information to a third party which then reported to the credit bureau in turn lowering my score once again.
Product: Mortgage

I have provided all my current financial information to the lender and they keep asking me about a job I no longer have! They have removed me from review for no reason and we have already contacted their office within the last month over 8 times advising they have incorrect information Thank you!
Product: Vehicle loan or lease

I am a single mom and experienced a major loss of income due to covid. I struggled to make payments and eventually fell past due. In XXXX, I recovered income that was previously lost. I called TD on XX/XX/XXXX and spoke with an agent named XXXX. I explained my situation and asked what payments arrangements could be made to bring the account current. I told her that I could make 2 payments per month until the account was brought current ( 2 full payments around {$600.00} ). She told me that she could only schedule 2 payments at a time, so the XXXX payments were scheduled. She told me that I would need to call back in XXXX to schedule two more payments. I told her I planned on making the payments on XX/XX/XXXX and XX/XX/XXXX which are my pay dates. She assured me that was fine, and she was notating this on my account even though she could not set up the payments during that call. However, on XXXX, my vehicle was repossessed despite being told my payment plan was acceptable. I called TD again and spoke with XXXX ( ID XXXX ) who informed me that this was a valid repossession because payments were not scheduled. She confirmed that XXXX stating I could only schedule 2 payments at a time was accurate, but also stated they can repossess if additional payments are not scheduled. This is conflicting information. The intent was to call on XX/XX/XXXX to schedule two payments for {$600.00} for the month of XXXX. Again, I was ASSURED that was ok. I was told a manager would contact me within 24 hours but I have not heard back. I am without a vehicle and no way to get to work or take my child to school. It is absolutely appalling that a company treats it's customers this way when they have been affected by covid.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate items on my credit report that continue to negatively impact my credit. Despite my attempts to resolve this directly with the reporting agency, it remains unsolved. I request immidiate investigation and removal of these items, as they are incorrect and do not reflect my true credit history.
Product: Credit reporting or other personal consumer reports

I had lost my wallet in XXXX everything was in there my social my identification card medical card everything and XXXX or XXXX when banks just started to open outta nowhere and large amounts of money will be In the accounts then the accounts will go back to negative and I dont have no clue how they got there and its messing with me as a adult because I cant open a bank account please help me XXXX XXXX XXXX XXXX XXXX chase XXXX XXXX those are all the banks I seen that was opened up in my name
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, I was born on XX/XX/1995, my social is XXXX. I live on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, my phone number is XXXX, my email is XXXX. Please use my correct information. I need to display my information. Thank you for helping me.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$490.00} XXXXT - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$970.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$610.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$890.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1900.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to being notice to of the unlawfully reported unauthorized accounts on my consumer report this has violated my federally protected consumer rights to privacy and confidentiality under the FCRA law USC 1681. I have not given my written permission to put anything on my credit profile. I have been violated by you as state 15 USC 1681b You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated Identity THEFT! to title 18 USC 1028A. You have knowingly possessed, transferred, and or used without lawful consent and authority means of identification of me. Which is a Felony Punishment of 2 YEARS imprisonment! including civil liability, You're in violation of 15 USC 1692g and can be fined {$1000.00} per violation. Delete these account per my written instructions.

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE ENGELHARDT V. GRAVENS ( MO ) 281 SW 715,719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.
Product: Checking or savings account

My complaint has to do with merchant refunds not credited to my bank account On XX/XX/XXXX XXXX refunded XXXX to our bank account under my husbands debit card number On XX/XX/XXXX I called Citibank to find out where this credit was The supervisor told me that it was pending and it would be released and credited to our account at close of day ( XXXX ) I never received the credit so I called XXXX and they reassured me ( and verified through a ARN tracking number ) that the credit was issued The manager from XXXX called Citibank and initiated a three way call The Citibank rep stated that there was no credit pending and I would have to wait 10 more business days before filing a dispute She said that whoever told me on the XX/XX/XXXX about seeing a credit was mistaken because it is impossible to see anything on their end until it actually posted The citibank employee right out lied to me The Wayfair manager then gave the citibank rep the ARN number ( the bank tracking number ) and told her that the refund was issued and this tracking number was used to make sure XXXX had dispersed the funds He explained that the refund was received by citibank and there was no reason for my account to not have been credited I then asked if I could file a complaint dispute through email or fax I sent a fax along with a letter from XXXX but still have not received a credit I suspect that something or someone on the Citibanks end is holding or stealing any refunds going into our account I have never had any refund not credited within 24 hours after the merchant issues it I am really convinced there is something going on with our account as we are filing another separate complaint about another XXXX refund that we have not received Please check into this matter ASAP as bank fraud could be involved
Product: Debt collection

On XX/XX/2022 I noticed a " new collection '' under Stallings Financial Group, Inc with address in XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX ( Phone number ( XXXX ) XXXX. This is previous debt collector for a medical bill which was being disputed since XX/XX/2022. 

The company claims that they eliminated the paid debt on XX/XX/2022 ( for a medical bill {$280.00} ) which is excatly when this new collection for XXXX shows up on my credit files with a balance of {$810.00} I contacted XXXX XXXX and Company and they have no record of such debt, or record of my social security ever used for services under their company. I don't reside ( nor have I ever ) lived in XXXX or anywhere where that company serves. 

XXXX XXXX XXXX at Stallings Financial claims that they are not reporting this because they do not represent BGE ( XXXX XXXX  ) yet it shows on the credit bureau under their name only. 

This error is affecting my credit and its innacurate, so it needs to be removed.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquires please remove. 
XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and noticed someone was using my identity fraudulently. I contacted the credit bureaus and the credit companies, Ive explained that those accounts werent mine and i opened a dispute. The company conducted an investigation but nothing was done to fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX opened XX/XX/2018 is unrecognizable to me. I have never done business with them
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for a car loan and I have a bunch of inquiries on my report that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false account with XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX refuses to stop reporting. They are removed from XXXX. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine. 


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

I am filing a new complaint regarding inaccurate credit reporting. According to the Fair Credit Reporting Act Section 605B ( a ), you are required to remove any items opened without my knowledge, consent, or authority within 4 business days. This requires : ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed due to their inaccuracy : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$4200.00} XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX Balance Owed : {$4200.00} XXXX XXXX Balance Owed : {$27000.00} XXXXXXXX XXXX XXXX Balance Owed : {$27000.00} -- -- -- -- -- -- -- -XXXX XXXX XXXX  XXXX Balance Owed : {$0.00XXXX XXXX XXXXXXXX Balance Owed : {$4200.00} XXXX XXXXXXXX Balance Owed : {$15000.00} XXXX XXXXXX/XX/XXXX. If you assert these items are accurate and verifiable, provide copies of any documentation associated with these items that bear my signature, as I believe none exist. If no signed agreement exists, these items must be removed from my file. I am aware that your organization has a history of non-compliance with the FCRA statute mentioned above. Failure to address my request promptly will result in me referring this matter to my attorney for further action. You have 4 business days to remove the incorrect items from my credit file. I do not consent to E-OSCAR or any automated verification methods.
Product: Credit card

In the XXXX XXXX agreement it states that the annual fee will be XXXX for the first year and then XXXX each year to follow. I have had this card since 2017 and each year I have been charged XXXX annually, and not only that they have a monthly fee of XXXX dollars but each month I was charged XXXX with no balance on the card. Further more when I tried to apply SCRA I was informed there was no where to send my orders last XXXX. I can never access their we portal from a computer, the hold times only see to go up when I call and then I get transferred to dead air. I have been trying to get them to refund the annual charge and close the account as per the XXXX XXXX agreement, as I am with in 30 days of when they charged it to the account. Now I can not even get their card holder agreement to load big surprise.