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

On XX/XX/year>, I had XXXX credit inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The companies had been informed of my identity theft, and the inquiries have cleared from XXXX and XXXX. There was no completion for the credit card applications. However, the inquiries remain on my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a police report report number XXXX for the Unauthorized inquiry from Credit plus on my credit report on XX/XX/2019. 
This inquiry was not authorized and I do not know where it comes from. I already have a mortgage so this is invalid. Remove now or I will take further legal action.
Product: Money transfer, virtual currency, or money service

I received a text at XXXX XXXX on XX/XX/21 saying " Chase Fraud : Did you request to send a transaction for {$5000.00} Reply YES to verify or NO to discuss further. Msg & data rates may apply. '' I replied " No '' I received another text saying " CHASE FRAUD : The transaction was blocked and no funds have been taken from your account. A representative will be contacting you shortly. '' I then received a call at XXXX XXXX from the phone number XXXX ( XXXX ) XXXX, which matched the number on the back of my Chase debit cards, and they described the perpetrator 's alias as XXXX XXXX. They said that XXXX attempted to take money out of my account via XXXX. They asked if I was still associated with my XXXX XXXX XXXX XXXX and I responded with yes. They asked if I saw any unusual transactions pop up yet and I did not. They said I may still be in danger of losing that {$5000.00} in my account and to stop the unwanted transfer I would need to send myself the money via XXXX. Sending it through XXXX would freeze the money that is being pulled out of the account and I would be credited back the money within the next business day. I sent it to my own phone number, and they asked what the verification code was, so I gave it to them. At one point in the conversation I asked them to remind me what their name was, and they responded with their first name, last name, and badge number. After the transfer, I received a text from short number XXXX saying " XXXX XXXX : Sign on to your XXXX XXXX account and verify your mobile number within 24 hours. Verification code XXXX. Questions? XXXX '' I received another from short number XXXX saying, " USER ... sent you {$5000.00}. It has been deposited in your XXXX account XXXX. Reply STOP to end. Msg & Data rates may apply. '' Later in the night they called me at XXXX XXXX from the phone number XXXX ( XXXX ) XXXX. At this point I had had a couple of drinks at the bar, and they said that I was getting money pulled not only from an external account at XXXX XXXX, but also an account at XXXX and that I needed to transfer another {$4600.00} to myself via XXXX to freeze the funds. After that transfer, I received a text from short number XXXX saying, " XXXX : Your phone number was just updated for acct ending in XXXX. Visit citi.com/contactinformation to view this change. Reply STOP to opt out '' I then received a text from short number XXXX saying, " XXXX : Hi, USER sent you {$4600.00} using XXXX ( XXXX ). View at XXXX '' They then said they would follow up with me in the morning, which I never received a call for. I then looked up online to see if I got scammed, and sure enough I did. I now have {$120.00} in total in my bank accounts. I called my bank to let them know about the incident, and they said that there is nothing that they can do and sorry that happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I completely paid off department of education to XXXX university and XXXX XXXX, please remove these accounts from my credit report
Product: Money transfer, virtual currency, or money service

Problems with zelle transfers. Non rufundle, didnt resolve dispute XXXX  XXXX XXXX XXXX dispute denied XXXX - dispute denied XXXX dispute denied
Product: Credit reporting or other personal consumer reports

This is my first attempt 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ive recently sent in letters to ( XXXX, Equifax or XXXX ) about inaccurate personal information on my credit report. They still are continuing to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, Equifax or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2. 

My only and and current Address : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX My Date of Birth : XX/XX/year> Last 4 of Security Number : SS # : XXXX
Product: Debt collection

I was alerted to a possible fraud due to a collections report on my XXXX credit report in XXXX of 2021. 
I contacted XXXX XXXXXXXX on XX/XX/2021 to inquire as to why they were and why they were reporting a collections that they had never made any attempt to collect. They told me the debt was from XXXX XXXX of XXXX XXXX. I informed them that as of XX/XX/2021 I had a zero balance with the hospital and the hospital had never told me they were sending anything to collections. XXXX XXXX said they would verify with the hospital. 
On XX/XX/2021 I sent XXXX  XXXX a letter via first class mail requesting verification of the debt and offering to work with them on a settlement should the debt be valid. 
On XX/XX/XXXX XXXX  XXXX sent me a copy of a consent for services from the hospital, but could not validate that the hospital asked them to collect any debt on their behalf. XXXX XXXX also could not prove they ever contacted me in an attempt to collect a debt prior to reporting to the credit bureaus. 
I sent XXXX XXXXXXXX a certified letter on XX/XX/2021 pointing out the discrepancies that remained and made an offer to settle in exchange for removing the negative information from my credit report. XXXX XXXX did not respond. 
I disputed the negative information on my credit report with XXXX twice. Each time supplying the information to date. XXXX stated the debt had been verified, but would not share how it was done or what information was reviewed.
Product: Credit card or prepaid card

The CFPB has the bad habit of closing a case immediately when it receives a response for the company complained about. Case in point : on XX/XX/2022 I filed complaint # XXXX because of a fraudulent billing. On XX/XX/2022, you received a Company 's response, clearly identified as an Intern Response which indicated their compliance people were looking into my complaint but needed 60 days to do so. You sent me a copy and immediately closed the case. To prevent future issues, I immediately went to the credit card company and BLOCKED the account. The bill due date was XX/XX/2022. Now I am receiving late payment notices and the balance has increased from {$56.00} to {$120.00}. How did a BLOCKED ACCOUNT go from {$56.00} to {$120.00}, if no activity was allowed on the account. I have no indication of what the additional {$66.00} is supposed to from. I did not use the card! I must close this account immediately, please help me do so. Do not close this complaint until you receive a Final response for the Company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit collection Services, XXXX XXXX XXXX XXXX, MA XXXX Account was paid and they still proceeded to report account as unpaid to credit bureaus on a Bill that i was not responsible for my Doctor 's office made a mistake and took forever to pay it well they did for the amount of {$540.00} but the next month CCS reported it as unpaid to my Credit when i called CCS they told me the account was closed i want it removed from my credit reports
Product: Credit card

Dear CFPB, Ive been trying to set up XXXX for XXXX Bank of America credit card but have been unsuccessful. The feature is unavailable in my account, and XXXX unsure why. Ive reached out to the banks support team, but the wait times are long, and I havent received a resolution, my account " access '' and app are too old without these features. 

As a result, I missed my payment due date for the past XXXX months, and Ive incurred late fees despite paying only XXXX days late. I believe this issue could have been avoided if I had access to XXXX. 

Thank you for your help.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) regarding an issue with my account. I believe this account has been reported incorrectly and should be investigated and removed. This misinformation is adversely affecting my credit score. The details of my complaint are as follows : XXXXXXXX XXXX XXXX Balance Owed : {$XXXX}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and there are inaccuracies on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 accounts showing and it's not mine. Please remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached documents detailing a reinsertion of previously deleted items which is a BLATANT violation of my consumer rights. This item was originally reported by XXXX XXXX XXXX XXXX XXXX XXXX ) and was removed due to inaccurate reporting. This same item has now been reinserted onto my credit profile by XXXX XXXX XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumer file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016 my ex-boyfriend totaled his 2016 XXXX XXXX. I was a co-signer for this lease. The insurance company paid the lease off in full, and sent payment to Chrysler Capital. The lease is still showing up on my credit report nearly 5yrs later. I have called multiple times over the past 9 months to have this removed, and have been unsuccessful. All of the agents/managers tell me to wait, which I have, and it will be removed eventually. That is completely unacceptable, as it is ruining my credit score and my ability to apply for loans.

All that I am asking for is written confirmation that this is a reporting error, and that it should not be on my credit report. 5 agents have confirmed this with me over the phone, but refuse to put it in writing. I have all of their names and badge numbers, and would be glad to share.
Product: Credit reporting, credit repair services, or other personal consumer reports

I.m disputed Experian Bureau on misused my credit score and not removed the other inquiries that was done in error... .and action need to be taken ... .to update my credit score important ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having trouble with equifax I have 19 Fradulemt hard inquiry that dont belong to me. I have tried to file a dispute with Equifax about these fradulent inquiry but I never heard any thing back and I want them to be removed. I also see a couple of item that was removed show back up on my credit report and thats not right and I will like those to be removed because those are also fradulent those account are 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX  And XXXX XXXX  was removed and show back up on my credit report Im taking action and my own hand because inaccurate information is on my credit
Product: Credit card

I reported fraudulent purchases to the company. 
They deemed the claim valid but could not refund the full amount because of some Terms and Conditions of my card program unknown to me. 
My card has been in my pocket the whole time it was being used in a different state.
Product: Credit reporting or other personal consumer reports

I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/2025, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/2025, but I still have not received a response. To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth:XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and XXXX my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report.

An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

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

Under the FCRA, unverified, invalid accounts must be removed. 

If XXXX XXXX is unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from credit reports including but not limited to Experian, XXXX and XXXX XXXX. 

I demand the account be verified, that I be provide PROOF or removed immediately! 
The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law.

On or about XX/XX/2017 I submitted a request to XXXX XXXX to provide me " wet signature '' actual proof of authorization to report any credit information according to the Fair Credit Report Act, Section 609 ( a ) ( 1 ) ( A ). 


Despite numerous, requests, XXXX has not removed from the reporting agencies information for : : XXXX XXXX a/c XXXX XXXX XXXX XXXX XXXX XXXX a/c XXXX XXXX XXXX XXXX I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed below : The fair resolution to the is for XXXX XXXX to remove any credit information they are reporting unless they can provide HARD COPY PROOF TO ME through the physical verification of the original signed certified consumer contract - of any and all accounts o be posted and or reported on a credit report.
Product: Mortgage

I applied to refinance my existing VA mortgage with Quicken Loans/Rocket Mortgage. They kept me waiting for 3 months after requesting that the VA provide them verification of my eligibility ( even though they knew my present mortgage is a VA loan ). I even submitted a letter from my commander on unit letterhead verifying my eligibility, but they still insist on waiting for the VA to confirm eligibility. The VA has done nothing to help me and has not responded to the request for confirmation of eligibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Capital One billing cycle closed on 4th of every month. Capital One has reported to XXXX twice for the month of XX/XX/XXXX and XX/XX/XXXX. Also Capital One reported twice on my XXXX credit report XX/XX/XXXX, and XX/XX/XXXX. Due to Consumer Financial Protection Bureau rules and regulations Capital One is in violation of the rules, and regulations. I have had this issue before XX/XX/XXXX compliant # XXXX this is a ongoing issue. Please help me resolve this issue and have Capital One to report accurate information with XXXX, XXXX, and XXXX. Account is has a open balance of {$86.00} dollars not {$980.00} dollars.
Product: Mortgage

Complaint : Rocket Mortgage failure to itemize Appraisal Fee and XXXX XXXX XXXX ( AMC ) Fee separately on provided Loan Estimate and Closing Disclosure for an FHA Mortgage. Rocket Mortgage purports that the AMC was lumped into the Appraisal Fee ( which is illegal per 12 CFR 1026.37 ( f ) ( 2 ) and 12 CFR Part 1026.38 ( f ) ( 2 ) ). In addition, AMC fees are not excluded from the definition of " finance charge '' under 1026.4 ( c ) ( 7 ) ( iv ) - which can result in discrepancy of the APR. 

Timeline : XX/XX/2022 Rocket Mortgage provided a Loan Estimate to me which included an XXXX XXXX of {$1000.00}. No XXXX XXXX XXXX Fee. 

XX/XX/2022 Rocket Mortgage provided a Closing Disclosure which only included an Appraisal Fee of {$1000.00}. No XXXX XXXX XXXX Fee. 

XX/XX/2022 FHA Appraisal conducted. 

XX/XX/2022 FHA Appraisal Report issued to me with the final Appraisal Fee of {$800.00}. 

XX/XX/2022 Rocket Mortgage charges my credit card for {$1000.00}. 

XX/XX/2022 I sent an email to my broker regarding the incorrect charge and refuted the charge as unauthorized with my bank. The broker communicates this to Rocket Mortgage. 

XX/XX/2022 Rocket Mortgage responds by email to the broker that the charge was correct and the fees were disclosed according to " guidelines ''. 

XX/XX/2022 I respond to the broker with the following : I've included the LE and CD which were provided to me and highlighted the sections titled " Services You Can Not Shop For '' and " Services Borrower Did Not Shop For '', both specifically cited within 12 CFR Part 1026.37 ( f ) ( 2 ) and 12 CFR Part 1026.38 ( f ) ( 2 ), respectively, that a lender must separately itemize Appraisal Fee and XXXX XXXX XXXX fee on the XXXX and XXXX in the highlighted sections. 

I am already past opportunity to receive my earnest money back and my closing date is XX/XX/2022. Pursuing another lender at this point guarantees I would not be able to make the current closing date. The only option I am now left with due to Rocket Mortgage 's discrepancy is to either continue business with them ( knowing they've blatantly acted illegally ), or lose my earnest money, inspection cost, appraisal cost, and potentially the home itself if the sellers aren't amenable to extending closing to allow time for me to find another lender who will likely require a new appraisal. 

Attachments include : XXXX ) Email chain with broker and Rocket Mortgage ( Lender ) XXXX ) Loan Estimate provided XX/XX/2022 XXXX ) Closing Disclosure provided XX/XX/2022 XXXX ) Appraisal Report with final Appraisal Fee
Product: Credit reporting or other personal consumer reports

FCRA 605B ( 15 U.S.C. 1681c-2 ) Also, ( Requesting Method of Verification ) Dispute letter invoking FCRA 611 ( 15 U.S.C. 1681I ) which forces Credit reporting agency to reinvestigate the items in the initial CFPB complaint and either with in 4 business days of receiving this CFPB complaint, verify the SOURCE of information they used in order to return a verified response to the initial CFPB complaint filed at said mentioned credit bureau or delete all contested items in the initial CFPB complaint from the FICO report they maintain. Since we know the credit reporting agencies never contacted the FTC to verify the underlying facts alleged in your identity theft affidavit, failure to disclose the source of your initial verified response, and will be forced to either delete and block all contested items from the credit report they maintain or compensate you for all credit denials attributable to the contested items in question for willful noncompliance and negligent noncompliance with the FCRA.