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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, 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 these reported accounts removed XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : XXXX XXXX XXXX XXXX Debt Buyer XX/XX/XXXX Collection account. {$1200.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$1200.00} XX/XX/XXXX 0 % {$1200.00} {$1200.00} 1 Month XXXX XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : XXXX XXXXXXXX XXXX  XXXX. 
XXXX XXXX XX/XX/XXXX XXXX account. {$1700.00} past due as of XX/XX/XXXX. 

XX/XX/XXXX {$1700.00} XX/XX/XXXX 0 % {$1700.00} {$1700.00} 1 Month Individual XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : XXXXXXXX XXXX Debt Buyer XX/XX/XXXX Collection account. {$1800.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$1800.00} XX/XX/XXXX 0 % {$1800.00} {$1800.00} 1 Month Individual XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : XXXXXXXX XXXX Debt Buyer XX/XX/XXXX Collection account. {$1800.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$1800.00} XX/XX/XXXX 0 % {$1800.00} {$1800.00} 1 Month Individual
Product: Debt collection

According to a XXXX XXXX  with Wells Fargo, the below complaint contains no new evidence which I believe to be incorrect., his reply refers back to prior Wells Fargo reps replies which do not contain any new evidence... Please note, this rep request more time to reply than the normal 30 days period, unable to produce any new evidence, he simply refers back to prior CFPB replies... Please see complaint below.. 


Wells Fargo has not sent notice claiming I owe an amount of {$190.00} for closed account number XXXX. To date, no notice received as requested.. I was referred to account recovery dept without receiving notice I owe this amount, account recovery was explained the debt is due to a credit reversal in amount of {$290.00} including two funds transfers in amount of {$50.00} bringing the amount to {$190.00}. I was advised to reach out to the merchant whom charge in amount of {$290.00} originated from, in which case, the merchant will not refund as they claim the item ordered was delivered correctly... The item was shipped via XXXX, driver has a habit of forging signature and leaving package where it can be lost/stolen as is the case with this transaction. Previously, driver signed for a package as " XXXX XXXX '', complaint filed in re, driver chose to sign for XXXX package as " XXXX XXXX '' due to complaint filed.. The package is nowhere to be found, disputed with Wells Fargo whom placed a temporary credit on account while researched, credit later reversed citing signature which is forged.. I never sign my name as " XXXX XXXX '' and it is not on file as such with Wells Fargo.. I will reiterate as I have before, I do not pay for items not received nor will I ever
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and identification as it contains my complaint and requests.
Product: Credit reporting or other personal consumer reports

Credit report deletion letter In accordance with the Fair Credit Reporting act the following listed creditors listed below have 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 account without my written instructions. 


Name : XXXX XXXX XXXX Account # XXXX Balance updated : XX/XX/XXXX Amount : {$600.00} Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX Balance Updated : XX/XX/XXXX Amount : {$0.00} Name : XXXX XXXX XXXX XXXX  Sold to XXXX XXXX XXXX XXXX XXXX Account # XXXX Balance Updated : XX/XX/XXXX Amount : {$0.00} Name : XXXX XXXX XXXX XXXX  Account XXXX XXXX Balance Updated : XX/XX/XXXX Amount : {$0.00} Name : XXXX Account # XXXX Balance Updated : XX/XX/XXXX Amount : {$0.00} Name : XXXX - Purchased by another lender XXXX XXXX XXXX  Account # XXXX Balance Updated : XX/XX/XXXX Amount : {$0.00}
Product: Credit reporting or other personal consumer reports

In reviewing my account I noticed that the information that is listed on my credit reports is extremely inaccurate in various fields. While I understand mistakes can happen unfortunately when it comes to financial data and credit reporting this is one industry where mistakes can cost the bearer extreme harm and distress. With account being closed and the furnisher is not responding to my dispute I request that the account is deleted due to all of the inaccurate information in the following fields : Balance, Past Due, Last Reported Date, Date Last Active, and Date of Last Payment. 

Additionally there are several late payment indicators listed, which make no sense as to the best of my knowledge all payments have been submitted on time. The following reporting periods need to be corrected as paid on time and the late payment indicators removed XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. It merits mentioning again, although I understand mistakes can happen the fact remains this misreporting of information to my credit report has caused me serious harm and also constitutes a violation of federal law, specifically 15 USC 1681s-2 ( a ) ( 2 ) to name just ONE of the violations.

This dispute will serve as notice of the inaccurate information that is on my credit reports for this account as well as the opportunity for your company to correct them without any additional action/enforcement on my behalf. The account information on the account in question is listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my ID and billing statement for verification purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date XXXX Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX XXXX  Date of Inquiry XX/XX/2022, XXXX  XXXX of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022 & XXXX XXXX  XXXX Date of Inquiry XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested a free annual credit report from Equifax on XX/XX/2018 using the annualcreditreport.com site. Told that it was not available on line ( other two credit reporting agencies, XXXX and XXXX provided my reports online ). Told to send a written request. 

Sent written request on XX/XX/2018. 

Went online to to equifax.com/XXXX  on XX/XX/2018. Filled out form and received message saying the state I live in, New York, does not provide a free report and invited to pay {$11.00} for my report. I did not pay.
Product: Credit card or prepaid card

I received a life insurance policy settlement to my Ace Elite account via direct deposit through XXXX. Ace Elite emailed me saying they needed further verification and gave me examples of verification. I emailed a copy of I.D . and social security card plus documents of verification that I received straight from XXXX, saying it was in fact my money. Netspend called me saying everything was good. I assumed it was because I withdrew money from the ATM for a few days. Suddenly Netspend contacts me saying they closed my account for security reasons. I was a little upset, but they assured me that I would receive a check in 7-10 days for the remaining balance that was in my account, which is my only source of income at the moment. Since they said there was really nothing else I could do, I hesitantly agreed. I believe that date was XX/XX/2021. It is now, almost 3 months later, still no word or sign of a check. I have called and emailed NetSpend over 40 times. They tell me nothing of value. The last thing they said was that I need a Letter of Indemnity from the life insurance company ( XXXX ). I called XXXX and they told me it is out of there hands, so they want nothing more to do with it and that Netspend needs to handle it. Netspend then tells me that if I open a regular bank account, they would be glad to transfer it to them. I went and opened an account with XXXX XXXX XXXX. XXXX XXXX XXXX emailed Netspend to verify I opened an account. Netspend then said that they couldn't transfer it. I have documentation of all of this. I feel like my money is being held XXXX so interest can be collected on it.. When I call my Ace Elite Card, it says the money is on there. But I can't login to my account or transfer my funds. This is absurd. I'm very disappointed, upset, frustrated and broke. I've already contacted the XXXX XXXX XXXX, FDIC, Comptroller of the Currency, and most recently XXXX ( I'm waiting to here back from them ). I plan on contacting whomever I need to until this matter is resolved, but I'm running out of resources and patience. 
I don't want this situation to get out of control, when it can be be solved quietly. My next steps will be to go on every social media site of Netspend, XXXX, and whomever else wouldn't help me. I just want what is rightfully mine, my money. This money is what my son left to me when he passed. He was a member of the XXXX XXXX 
Please help me with this situation so I can put this behind me. 
Thanks,
Product: Checking or savings account

Since the XXXX email dated on XX/XX/XXXX item # XXXX, I have received harassing emails titled DEMAND FOR PAYMENT in red letters. 
That states : Dear XXXX XXXX, This demand is from the office of ACE Cash Express. On or about XX/XX/XXXX you cashed the check identified below at our place of business. However, upon the checks deposit and presentment, the XXXX XXXX refused to honor payment. 
XXXX : UT XXXX XXXX XXXX Check No : XXXX Check Date : XXXX/XXXX/XXXX Payee : XXXX XXXX Check Amount : XXXX Reason Dishonored : SP Returned Check Fee : XXXX Total Amount Due : XXXX Since we have been unable to reach you, we request that you contact us immediately at XXXX to resolve this matter. 
Sincerely, Ace Cash Express On the same day and within minutes, I returned an immediate email that stated. 
I will take LEGAL ACTION against ACE Cash Express. You are contacting the WRONG PERSON! I have NEVER entered an ACE Cash Express facility in XXXX. I dont have to use your facility to cash a check ( my checks are direct deposited ) and ( I dont work and never worked for the Maker/Drawer listed in the email ). 
Again, ACE Cash Express has contacted the wrong person and it is demanded that you Cease and Desist! 

After my response, I have continued to receive harassing emails on XX/XX/XXXX, XXXX, and XX/XX/XXXX
Product: Mortgage

I have been trying to access my monthly mortgage statements for the past 6 years. I called and wrote to the company many times. They finally agreed to fix the problem in XX/XX/XXXX, but have still not fixed the problem. After waiting for them to resolve the problem as they stated they would do in a couple of months, they still did not fix it. I have written and called again and again, and they now say it will be only a couple of months to fix the problem. Here is their latest responce : We extend our sincerest apologies for the inconvenience you have faced with the absence of your monthly statements online. We are aware that you were previously advised that this issue would be rectified within one ( 1 ) to two ( 2 ) billing cycles, as outlined in our Research Letter dated XX/XX/XXXX. 
After a thorough review, our Web Team has identified the root cause of the problem : your loan 's previous status in bankruptcdepartment responsible for uploading the documents to the website. We regret that it has persisted for so long. 
We are pleased to inform you that this issue has been resolved. Your monthly statements should now generate and be accessible online during the next billing cycle. If you are still unable to view your monthly statements online, please contact us. 
We deeply regret the inconvenience you have faced and appreciate your patience while we worked to rectify this issue. 
If you have any questions, please contact our Customer Service Department at XXXX or via mail at the address listed above. Our hours of operation are Monday through Thursday from XXXX XXXX  to XXXX XXXX XXXX XXXX XXXX, Friday from XXXX XXXX  to XXXX XXXX XXXX XXXX XXXX and Saturday from XXXX XXXX to XXXX XXXX XXXX XXXX XXXX Visit us on the web at www.mrcooper.com for more information. 
I hope this information is helpful and addresses your concerns. If you have any specific questions about the information I have provided, please contact me directly, using the information below. 
Sincerely, XXXX XXXX XXXX XXXX Customer Relations XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX E-mail : XXXX ________________________ They requested a letter from me asking to reinstate the statements because of the bankruptcy that was filed in XXXX. The statements did not stop until XXXX so the issue of bankruptcy was not the cause of the statements not showing on the website. The statements stopped when I requested paperless statements. They promised if you choose to have paperless those statements would be available online. They declined to admit their mistakes and tried to use this as their argument for the problem. They should have fixed this and issued an apology. I have never missed a payment, but I don't have access to my statements to prove my point. 

Thank anyone for listening, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor 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 the consumer Demand you cease and desist pursuant to federal law 15 usc 1692c ( c ) I demanded the debt collector cease and desist reporting inaccurate information on my credit report I have 20 accounts 18 open and 2 closed also hard inquiries on my account and its fraudulent you are in violation if you continue to report anything without my consent you do not have a permissible purpose to report this info pursuant to 15 usc 1681b. After Ive sent you a letter and filed a complaint stating this.
Product: Credit reporting or other personal consumer reports

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive requested that Experian provide me with the specific procedures followed in their investigation and the detailed documentation and hard copy responses they received from any and all data furnishers and or public records regarding the entire length reported to Experian concerning the XXXX account so I can verify the accuracy of the information. As of today they are reporting that I currently am {$1400.00} above the my credit limit. That is just false, the account isnt even open. I am also still waiting for details from XXXX XXXX offices. Its clear Experian has not been entirely forthcoming with their data corruption or dutys to protect consumers. I have date that I would like to confirm with anything that has been disclosed erroneously.
Product: Credit reporting 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 confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$2000.00} XX/XX/year> 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 or other personal consumer reports

These are the accounts that are inaccurate XXXX XXXX Balance updated : XX/XX/year>, Past due amount : {$1400.00} XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card

I have had many credit card accounts owned by Synchrony Bank. Due to false and wrong credit reporting by creditors to Credit Bureaus ie XXXX, XXXX, ALL credit cards I have had in GOOD standing, or were paid off in full according to terms of agreement with Synchrony ( NONE of which were in default or behind ) were closed!! This is an outrage as all the information for which their decision to close was based on each one ( and they were all the same ) stemmed from derogatory records or recent collections and these " adverse '' accounts have been shown to be wrong, false, and or have been removed from my credit report after review by creditors. There is no reason to have closed these accounts as I was never in default nor behind, and in fact several had XXXX balances. The closings have occurred over the course of last 6-8 weeks.
Product: Credit reporting or other personal consumer reports

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that all three credit reporting agency block all of the accounts, collections and identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email. I have been a victim of Data Breach with bureaus. 

DEPT EDUCATION -OPENED XX/XX/XXXX, BALANCE {$1400.00XXXX XXXX XXXX XXXXOPENED XX/XX/XXXX, BALANCE {$190.00} XXXX XXXX -OPENED XX/XX/XXXX, BALANCE {$260.00} XXXXOPENED XX/XX/XXXX, BALANCE {$4400.00} XXXX XXXX OPENED XX/XX/XXXX, BALANCE {$7700.00} XXXX XXXXOPENED XX/XX/XXXX, BALANCE {$210.00}
Product: Credit reporting or other personal consumer reports

Subject : Request for 1099-C for Canceled Debt I am requesting a 1099-C ( Cancellation of Debt ) form for an account that was charged off. The XXXX XXXX account in question was written off as uncollectible, but I have not received the 1099-C form, which I need for tax purposes and to address an ongoing legal issue. 

Account Information : The XXXX XXXX XXXX account was charged off and written off as of XX/XX/year>. The balance at the time of charge-off was approximately {$330.00} Actions Taken : I have reviewed my records and confirmed that I did not receive the 1099-C form from the creditor. I am currently involved in a third-party lawsuit related to this account and require the 1099-C for tax reporting and legal purposes.I request that the 1099-C be provided as soon as possible so I can address the legal and financial implications of this matter.