23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I had a XXXX  gift card for {$500.00} through Blackhawk Network XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX. I activated the card in XX/XX/XXXX and it immediately was hacked. There were several small charges from XXXX adding up to {$500.00}. I was not aware of this until I went to use the card an hour later. I reached out to Blackhawk Network right away, and was told they would dispute the charges and I'd be refunded. I reached out a couple of times to be told it was still being worked on. On XX/XX/XXXX after reaching out a 3rd time I was told the same thing and also received the email from them attached stating it could take 30-90 days. 
I had not heard anything further and called them again today XX/XX/XXXX and I was told by XXXX there that the case was closed/resolved on XXXX and that I was being sent a refund of {$180.00}. 
1. I had no idea that it was " resolved '' on that date. Was never notified.

2. The amount was {$500.00} not {$180.00} XXXX informed me that that's all that they could dispute and since so much time has passed they could not dispute the difference that I am still owed. So much time has passed because THEY took so long and never sent the portion of the refund stated above, nor notified me of this. How do I get the remainder of the funds back?
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX, CT XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX , CT XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$8900.00}.
Product: Mortgage

Freedom Mortgage XXXX XXXX XXXX XXXX XXXX, TX XXXX was my previous lender. I refinanced in XX/XX/2021 with XXXX XXXX XXXX. Both lenders paid my XXXX XXXX Property Taxes. I have been trying to get the {$2400.00} refund from Freedom Mortgage for over 6 months. This was money taken from my escrow. 

I called XXXX XXXX Assessors office and spoke with XXXX, she said they did not receive the money from Freedom Mortgage. Bottom line I am asking for your help to get the money owed from Freedom Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several Items reporting inaccurately. 
XXXX XXXX  account paid as agreed XXXX  XXXX paid as agreed SBA paid as agreed XXXX XXXX XXXX exceed the 7 year reporting XXXX  exceed 7 year reporting XXXX XXXX exceed 7 years XXXX XXXX  exceed 7 XXXX XXXX exceed 7 XXXX  XXXX  exceed 7 XXXX  XXXX  exceed 7
Product: Consumer Loan

Previously had a loan with Wells Fargo Dealer Services. Due to unexplained, exaggerated, and unnecessary fees and charges, I elected to service through another institution. I no longer have a loan with this bank. It was bought out two weeks ago. 
Wells Fargo Dealer services continues to call and harass, nevertheless. They will not take incoming calls, leaving instead a very untruthful statement about the effects of hurricane XXXX on their call center. 
They refuse to stop calling and this must stop. Wells Fargo has a well documented history of very unsavory and unethical practices. Why are they continued to be allowed?
Product: Debt collection

I have paid this debt. 
If you look on XXXX it shows account closed
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX ] {$26000.00} XX/XX/XXXX Dear [ XXXX, XXXX AND EQUIFAX ], First I would like to say that the company provided no proof of alleged debt. Secondly, they sold the debt in which I would like them removed considering they sold the debt per letter they sent on here. Theyre saying they dont even have the debt anymore. 

I am writing in response to a notice I received regarding an alleged debt with your company. I hereby dispute this debt in its entirety and request verification under the Fair Debt Collection Practices Act ( FDCPA ). 

In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA. 

Please send all correspondence regarding this matter to the address listed above. I expect a prompt response within the 15-day period as required by law. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX My information may have been impacted by the Equifax and XXXX XXXX XXXX and may have got into the hands of the wrong person Equifax ( XXXX ) Impact : XXXX XXXX people Details : Equifax, one of the largest credit reporting agencies, suffered a breach where personal data such as Social Security numbers, birthdates, addresses, and drivers license numbers were exposed. 

XXXX XXXX ( XXXX ) Impact : XXXX XXXX guests Details : XXXX XXXX guest reservation system was compromised, exposing passport numbers, credit card details, and other personal information of hotel guests.
Product: Debt collection

i saw on my credit report that they put this collection on there. i had no idea where it came from, and i paid every last XXXX to the utility company. the debt collectors also think i moved out of my apartment on XXXX  2023? that is false information. i was paying utility bills through the entire time that was required.
Product: Debt collection

I had a XXXX debt from XX/XX/XXXX that was discharged through bankruptcy in XX/XX/XXXX. In XXXX XXXX, XX/XX/XXXX SOUTHWEST CREDIT SYSTEMS, L.P. reported this debt to the credit bureaus. This debt was discharged and this company should not have reported 2 years later and try to keep collecting this debt. I want this out of my credit report.
Product: Credit reporting or other personal consumer reports

The list of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ; I did not give any written instructions to furnish my account, to these listed accounts mentioned ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I demand these accounts to be removed immediately from my consumer report file : Account names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

i am a retired XXXX of XXXX large corporations. I take great care of my credit report and especially scoring.During the last 30 days, i reduced XXXX of XXXX revolving credit accounts and zero 'd down to a credit balance on another.During that time my score dropped from XXXX to XXXX, from a previous high of XXXX. When i inquired XX/XX/XXXX during XXXX hour, XXXX individual contacts during the last contact with a supervisor named " XXXX '' while waiting for her supervisor, i was disconnected., though my return number was verified during the call, no one called me back, calling back i was advised the company was so large identifying " XXXX '' was impossible, even when i quierried how long the recorded calls were maintain, i was advised six ( 6 ) months. i told XXXX reason was on the XXXX 'd down account of XXXX credit, there was a XXXX charge. The other reason was, during this period XXXX ( XXXX ) previously closed, but remained open accounts from 8 years ago, " reported '' these accounts as " dormant/no activity account '', reviewing the credit report they show " Paid and Closed '' I was then told these will remain for an additional ten ( 10 ) years on my report, and that I can expect my score to drop additional points in the next reporting period.i questioned these accounts since i could NOT reopen them without reapplying, again impacting my score. I was advised by " XXXX '' that i should have maintained a monthly minimum charged balance, paying monthly on these XXXX revolving accounts, I questioned again an additional open XXXX retail charges, and was assured it would have protected my scoring, but since they have been reported in this manner they will remain for an additional ten year period, though " closed '' paid as agreed, no activity dormant accounts. Oh a final comment, I 'm XXXX years old and in my credit history, there has NEVER been a reported late payment. There is a public note from a deeded property owned by my xwife, because of a late tax payment, i was included in the lien on my credit report on property i did not own, im also stuck with this until XX/XX/XXXX, good thing is ill have passed before this drops off, or should i sahy, ill drop off before this item. 

Thank you for what ever results you can provide, even if it opens an issue that will help others, i understand i 'm NOT the only on impacted by this practice, and I DO understand credit scoring purely drives higher interest rates for loans, again thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

U.S. Code Title 15, Chapter 41, Subchapter III, Section 1681i is specific to the Fair Credit Reporting Act ( FCRA ) and outlines the procedures to be followed by credit reporting agencies when handling disputes regarding the accuracy of information in a consumer 's credit report. It has been more than 30 days.

Section 1681i sets forth the timeline and requirements for conducting investigations and resolving disputes. Specifically, it states that : 1. Within 30 days of receiving a consumer 's dispute, the credit reporting agency must conduct a reasonable investigation to determine the accuracy of the disputed information.

2. The investigation should include reviewing relevant information provided by the consumer, communicating with the furnisher of the information ( e.g., the creditor or collection agency ), and verifying the accuracy of the disputed information.

3. If the investigation finds that the information is inaccurate or can not be verified, the credit reporting agency must promptly delete or modify the disputed information from the consumer 's credit report.

4. The credit reporting agency must provide written notice to the consumer of the results of the investigation and any actions taken to modify or delete the disputed information.

5. If the consumer 's dispute includes supporting documentation, the credit reporting agency must consider that information during the investigation.

6. The credit reporting agency should provide the consumer with a free copy of their updated credit report if changes were made based on the investigation.

If the credit reporting agency fails to comply with the requirements of Section 1681i, it may be subject to penalties and potential liability for damages under the Fair Credit Reporting Act.

By referencing 15 U.S. Code 1681i in your dispute letter, I am asserting my rights under the Fair Credit Reporting Act and requesting that the credit reporting agency adhere to the appropriate procedures to resolve the dispute within the prescribed timeframe. 


Name of Account : XXXX XXXX XXXX Account Number : [ XXXX XXXX ] Name of Account : XXXX XXXX Account Number : [ XXXX XXXX ] Name of Account : XXXX XXXX XXXX  XXXX Account Number : [ XXXX XXXX ] Name of Account : XXXX XXXX XXXX  Account Number : [ XXXX XXXX ] Name of Account : XXXX Account Number : XXXX XXXX XXXX ] Name of Account : XXXX Account Number : [ XXXX XXXX ] Name of Account : XXXX XXXX XXXX XXXX Account Number : [ XXXX XXXX ] Name of Account : XXXX XXXXccount Number : [ XXXX XXXX ] Name of Account : XXXX XXXX XXXX Account Number : [ XXXX XXXX ] Name of Account : XXXX  Account Number : [ XXXX XXXX ] Name of Account : XXXX XXXXXXXX XXXX  Account Number : [ XXXX XXXX ] Name of Account : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : [ XXXX XXXX ] Thank you in advance for your help.
Product: Credit reporting or other personal consumer reports

As a victim of trafficking, my personal information was misused without my consent. I request that these fraudulent items be investigated and removed from my credit report. 

I am requesting that you thoroughly investigate the items and remove any fraudulent information from my credit report. I understand my rights under the Fair Credit Reporting Act ( FCRA ) and appreciate your prompt attention to this matter. 

XXXX XXXX Balance {$240.00} XX/XX/XXXX ( XXXX XXXX XXXX ) XXXX Balance {$950.00}XX/XX/XXXX( XXXX XX/XX/XXXX) XXXX Balance {$690.00} XX/XX/XXXX( XX/XX/XXXX) XXXX {$650.00}XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

American Honda Finance is wrongfully reporting negative information on my credit report. Last month I went to apply for a loan with my bank but was declined the loan. I was advised that due to being late on my car payment that the loan couldn't be processed. I decided to pull a copy of my credit report to see what was reporting from Honda. Not only was it upsetting to see that Honda was reporting incorrect information, I also noticed that my credit score lowered due to the reporting by 40 points. I contacted Honda to inform of the reported late payments and was advised that no payments were reported late. 



I requested a payment history review and was advised that two of my payments dated XX/XX/XXXX and XX/XX/XXXX were paid towards late fee 's and not the payment due. Honda has reversed the payments but still reported that I was 30 days late each time. I am attaching the loan payment history for the moths in  question along with a copy of the current credit reporting from Honda.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX, XXXX and XXXX XXXX accounts on my credit reports should be listed as paid, however they are being listed as charge offs. I have contacted the credit bureaus to resolve this issue however the issue still hasnt been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in a copy of my FTC report showing fraud on several accounts. I submitted the FTC report to all three bureaus ( Experian, XXXX, XXXX ) and none of the accounts have been removed or updated from my current credit reports. They are in direct violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Vehicle loan or lease

Traded in a vehicle at XXXX XXXX XXXX got unfair customer service use credit without permission and many times messing up credit and I'll be honest about the loan terms and did not sign paperwork in front of me misspelled the name on the loan company and money was taken out from a credit card and he took down but the loan company did not know or hear about.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I'm not sure what's going on but I was told that this charge off account from Old Navy Visa Card through Synch ending XXXX would be removed from my credit. I'm not sure why you keep saying that you already investigated this account as accurate and remains, because it continues to report incomplete, inconsistent, wrong balance, and it's completely unverifiable. I paid off this account almost 30-45 days ago and my credit report shows 3 different balances, inconsistent payment, etc. This is not correct and I want this account DELETED from my credit as promised and due to violations of reporting. Again, as shown in the attachments, the account has been paid 60 days ago. What's the hold-up? I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to immediate deletions.
Product: Debt collection

Someone got a phone and service in my name without my authorization and I have been trying to fight this on and off for several years and it keeps coming back
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXXXXXX ACCOUNT # XXXX, IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXXXXXX ACCOUNT # XXXX 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 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Checking or savings account

I was a victim of a scam that left me- {$4900.00}, I contacted my bank and they did an investigation and it came back to it was too late to recover this money. I wish to close this account and make payments towards this debt but I cant afford for my work check be completely taken because Im a single mother that needs to buy my kids food pay our rent and other bills. Please help. They wont let me close it because of the negative amount. And my work check is still going to that account even tho I stopped the direct deposit it takes 3 pay cicle to change, I dont know how Im going to survive with my kids.
Product: Mortgage

I refinanced my existing mortgage with a separate bank. Upon closing with my new bank, I paid my loan in full at US Bank and Mortgage. Nearly four weeks later, they sent me an escrow check with my remaining escrow balance. However, on the balance I noticed they retained approximately {$240.00} to pay mortgage insurance! Why would they keep {$240.00} to pay mortgage insurance on a mortgage that I have just paid off. More troubling, is that this was done with no explanation whatsoever. I had to comb oover my statement to uncover the discrepancy. 

Upon calling US Bank, they informed me that I am paying for previous months and because I paid closed on XX/XX/XXXX, I am required to pay for the entire month of XXXX. This makes no sense, particularly where my mortgage insurance was not paid from my Escrow account on the first or 2nd of the month. This might seem like a small amount of money but {$240.00} goes a long way in my house and for my family. 

At a time where money is tight during the pandemic, I find this conduct egregious and I can't even imagine how many other consumers are subject to this type of predatory behavior. If my mortgage is discharged, I should be getting my ENTIRE ESCROW BALANCE returned. US BANK should not be allowed to retain money to make future mortgage insurance payments on a discharged mortgage.
Product: Credit reporting or other personal consumer reports

This is to follow up and I am sending my CFPB Complaint to inform you that the 2 credit bureaus had violated the FCRA Section 605b by inaccurately reporting inaccurate information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. These are the following accounts that needs to be corrected : XXXX XXXXBalance : {$2600.00} ; XXXX XXXX Balance : {$18000.00}.
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian lawsuit. 
I feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier disputes that some of the accounts came back " verified '' but didn't remove the ones that's not. I don't see any details about the investigation I need receipts and accurate information or be quick to delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX 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

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX IL ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX
Product: Credit reporting

I received my bankruptcy discharge on XXXX/XXXX/2016. I sent in documents to equifax and the other XXXX bureaus so that they would update my information. Equifax will not remove incorrect info from my report. They are reporting that I had XXXX loans with Honor Finance, I only had XXXX. That was discharged. They will not remove the second XXXX after me disputing multiple times and providing documents. They are reporting a balance owed to XXXX XXXX XXXX XXXX, this was also discharged in bankruptcy.
Product: Credit card

Filed a complaint with Capitol one credit card company requesting that they investigate credit card fraud. My information was stolen and used without my permission. And pursuant to the request that they cease in reporting it as a delinquant issue on my credit report. I recieved an answer that they verified that it was my card, however that wasnt the complaint the complaint was that it was used fraudulantly. They refuse to close and remove the negative information from my credit report. I work for the DOJ and I am a Military VET this is hurting my ability to advance my career and also buy a home for me and my family.
Product: Credit reporting or other personal consumer reports

Tranunion still have XXXX XXXX XXXX. It show paid in full & delete. They need to remove from my report