23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a Visa credit card through Truist bank which I have had for well over 20 years starting with SunTrust who was recently acquired by Truist. I had fraudulent charges occur on XXXX & XX/XX/2023 which we reported as fraudulent immediately. I received a email from Truist with a case # XXXX instructing me that these charges would be removed and to make the minimal payment for future charges. We always pay the complete balance owed for monthly receipts charged on the card. I have been told by supervisor XXXX XXXX back in XXXX that her goal deadline was 2 weeks after hearing no reply from her I contacted my local branch manager XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX  reached back out to our business and told us the same thing they are looking into it. I again called a supervisor on XX/XX/2023 XXXX XXXX she explained she was going to escalate the claim and contact me back in 48 hours which never happened. Once again we have reached out to a supervisor XXXX XXXX on the XXXX of this month XXXX to be told yet again that charges were being investigated and she would once again put in another request for escalation for review. The whole time they are doing these supposed reviews I am being charged processing fees and interest fees on the fraudulent charges in question. XXXX did admit that this was not normal practice. Please assist us as we are a XXXX XXXX XXXX business which needs help resolving this. I have full documentation as well as dates and time lines to corroborate any statements listed above Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identity stolen somebody used my social security number to obtain credit cards
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau 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 bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the accounts in my Credit Report : 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

Contacted each credit bureau about inquiries multiple times but they havent initiated a dispute.

Contacted them concerning updated and reporting only 1 address on my report. That hasnt happened
Product: Student loan

Dear XXXX XXXX, I was wondering if you could help me with a situation I am having with American Education Services ( AES ), and XXXX. They service private student loans. I was wondering about some of their practices. 

They withhold essential contract information such as, -Minimum payment information-Available programs for payments during difficult times-Direct contact information for my actual lenderWhen I have called and asked what my new minimum payment would be, they ask what I can afford, when I tell them they say it is too low. I had a XXXX minute conversation with the representative, where I had to go up in increments of {$5.00} until I hit their minimum amount. She said it was against company policy to just tell me the amount. It was humiliating to reveal what I could pay, and know they knew the right answer the entire time, and did n't tell me. 

What I am wondering is, is n't it illegal to withhold essential information in a contract from the other party? I do n't remember signing a contract for student loans that said, " I agree to your terms and conditions, including the ones you wo n't tell me about ''. Do n't they have to disclose all information regarding my student loan payments in detail. 

Another example of withholding information is information regarding available reduced payment options. I have called representatives at AES and asked, " If I am late on my payment what are my options? '' They have answered, " We can only tell you that there are options available to you, but not until after you are late. " Then, they do n't give me any details. I want to be able to plan. If the payment options for being XXXX days late are all different, should n't they be required to tell me that information, so I can establish a financial plan based on what 's coming? If they do n't give me this information, and I just sit there and wait, that impacts my credit. They are essentially forcing me into a worse situation, by making me wait until I am late, to find out what the new payment would be. I am taking a risk, because I do n't know how low the new payments are, but I do know that my credit score will be damaged. 

When I ask them for direct contact information to my lender, they say they ca n't give it to me. Do n't have the right to know who is actually lending me money? Please excuse the extreme example, but I would like to know if my loans have been bought by a XXXX, or XXXX. I use that example to illustrate that I think I should at least know where the money is coming from. 

If any of this is illegal, is there something that can be done about it? If so, does this mean they are in violation of the contract by not telling me the complete details? Please let me know if you need any further information from me. Thank you in advance for your time and help, I really appreciate your efforts to protect consumers. I look forward to hearing from you. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with Equifax to delete an remove all inaccurate information on my credit report to help clear my file. alot of data is not 100 % valid. this is hindering my file. please review an an correct my report asap. all data invalid is in the files.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian should not be reporting a collection/chargeoff on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and it is a violation of the Fair Credit Reporting Act to not reflect accurate information on a credit report. This false reporting of a collection/chargeoff of an account that exceeds the time frame to report is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

On XX/XX/20 my cash-app card has been frozen. I make a living by XXXX XXXX XXXX XXXX. This is one of the ways my clients pays for my merchandise. How can this company freezes someone account without notifying them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to resolve this. Apparently someone used my identity to secure a car loan. Not mine! Please help.
Product: Payday loan, title loan, or personal loan

When I initially took out the loan, I had informed them that my pay structure was bi-monthly, the XXXX and XXXX of the month. I had to keep calling them to correct the date in turn, defer the payment. XX/XX/XXXX ( which should be XX/XX/XXXX ) is the last payment to be paid on this account in the amount of {$130.00}. I had asked them to deferred the payment to the XXXX and they indicated that if I deferred the payment one day, the payment would be doubled.

They didn't seem to care one way of the other. Their practices are unethical and should be held accountable for their actions.
Product: Credit reporting or other personal consumer reports

These recent late payments are not consistent with my usual payment habits, and I need my account to reflect my accurate history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I happened to check out what was going on with my credit report. I noticed several inquiries, that do not belong to me. Please remove them from my credit report immediately as this is poor judgement with on my character and credit. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX - XXXX XXXX Inquiry from XX/XX/XXXX
Product: Credit card

I am a victim of identity theft. The accounts listed on my file are fictitious and fraudulent. I did not authorize or give consent to opening these accounts. There are a result of identity theft. My personal information email, Social Security number, home address has all been compromised. Please release me of these fictitious accounts. I demand an investigation into these accounts immediately and the removal of any reporting thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Capital One, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX [ [ Reference to my property located at XXXX XXXX XXXX. XXXX, NC XXXXLoan # XXXX Serviced by Select Portfolio Servicing. Relationship. 
Person of Contact is XXXX XXXX, Relationship Manager, XXXX Extension XXXX. 
His email is XXXXXXXXTry and try again to contact him. Good Luck!. I have NOT been able to contact him. 
***************************************************************************************************This is concerning the papers I sign for the Deed-In-Lieu. I sign XXXX different pages and was given copies of all pages NOT sign by me. I met a Notary Public in XXXX, NC. 
Met at XXXX off XXXX XXXX on Saturday XXXX XXXX, 2015. Ever since that day, I have requested a copy of the pages I sign and I have received NO response from anyone. Emails to XXXX XXXX were sent in multiple days. Last email sent was just before XXXX. I have copies of other attempts to contact dated XXXX XXXX, XXXX XXXX, and others. I have made more than XXXX calls to SPS and it is a joke. I made sure that the conversations were recorded. 
It seems that SPS and the staff have no real desire to finish what they started.!!!!!!!!!!!!!!! 



I signed the Deed-In-Lieu paper
Product: Vehicle loan or lease

My Bank of America Auto ( BOA ) Loan account # XXXX was paid in full on XX/XX/XXXX by XXXX XXXX XXXX XXXX. XXXX ( XXXX XXXX ) sent payment in the amount of XXXX total selling price of the vehicle. The payoff amount ( good through XX/XX/XXXX ) was {$41.00}, XXXX. Thus amount received by BOA was an OVERPAYMENT in the estimated amount {$4100.00}. BOA sent e an email indicating the account was paid in full ( XX/XX/XXXX ). 
Special instructions were sent to BOA by XXXX to deposit the OVERPAYMENT into my BOA checking account ending in XXXX. BOA supervisors ( XXXX XXXX, XXXX, and XXXX ) all informed me that once receipt of statement from XXXX showing that the 1 ) check cleared from their account and 2 ) written notification that the funds would NOT be returned to XXXX, the OVERPAYMENT would be deposited into me checking account within 1 business day.

It was confirmed that BOA received both documentations 1 ) statement ( received on XXXX and XX/XX/XXXX ) and letter ( received on XXXX ). To this date, BOA will NOT release the funds into my account. I spoke with XXXX regarding this issue this morning, advised the funds would not be released until XX/XX/XXXX and deposited on XX/XX/XXXX. 
This is unacceptable due to the fact that myself and XXXX has went above and beyond to comply with BOA. BOA are refusing to release the money owed to me as indicated. 


XXXX Contact Info XXXX XXXX Member Solutions Specialist| XXXX  XXXX XXXX XXXX P :  XXXX<tel:XXXX>| F : XXXX<tel:XXXX. XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I have never in my live done business with sentry credit nor do they have any signed contract between myself and them to be reporting in any regards to me. They are fraudulently reporting on information sold to them fraudulently. Ive asked XXXX AND XXXX TO BOTH DELETE THIS XXXX  times and have disputed this. XXXX has already deleted this item. The other XXXX creditors refuse to immediately DELETE FRAUDULENT ACCOUNTS AND ACTIVITY. I have no correlation to or with this company and have never done business with them. They are reporting on my credit in regards to a matter Im totally unaware of.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request to Remove and Block Fraudulent Information Under Section 605B of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to inform you that I have been a victim of identity theft. This letter is a formal request pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, to remove and block all information from my credit report that resulted from fraudulent activities conducted by an identity thief.

Please note that some of the fraudulent accounts or inquiries may list names and addresses that differ from my own. These discrepancies are a direct result of identity theft. The name and address deliverable to me by the United States Postal Service ( USPS ) are as listed at the beginning of this letter. For verification purposes, I have included copies of documents that prove my current residence, such as a utility bill and a government-issued identification card.

Update Address and Name to FRAUDUENT ADDRESSES that may appear but do not belong to me. please remove and delete the following :
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent Experian a certified letter ( XXXX ) which they received on XX/XX/2023. This letter notified them that they are violating the Fair Credit Reporting Act by including information in my report which is inaccurate. This information includes addresses which are not deliverable to me by USPS. As of today 's date, XX/XX/2023 the inaccurate information has not been removed from my credit report, nor has the other personal information been changed as requested. I even submitted a copy of my driver 's license and bank statement.
Product: Payday loan

I have a collection company CCBA stating they are threating a lawsuit of a payday loan i supposely had a year ago. They sent me an email about it and payment plan. I have never received any documentation in the mail stating the debt owed and a chance to respond to the original creditor. XXXX XXXX has not sent any documentation. They are wanting banking info and setup a payment plan but i am scared to give out any information with out a offical documenation of the debt and verification sent from the original lender. Once that is done, then we can work out a payment plan.
Product: Credit reporting or other personal consumer reports

I am filing a complaint with Equifax for failing to properly 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. 

Here are the accounts I have marked as inaccurate. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Discharged XXXX : Bankruptcy
Product: Credit reporting or other personal consumer reports

My consumer report has false information that is affecting my auto insurance rates unfairly. This is not 100 % accurate reporting according to the guidelines under the FCRA.
Product: Checking or savings account

This is a Formal Complaint against Bank of America Regarding Deliberate, Unjustified and Unwarranted Delay in Processing Refund Claims. These delays are now causing me severe financial hardship. This intentional failure by Bank of America not only contravenes established banking practices but also subjects me, the client, to significant financial harm and undue stress. On XX/XX/2023, I initiated two refund claims with Bank of America in the total amount of {$4700.00} [ Claim # XXXX {$2000.00} AND Claim # XXXX {$2700.00} ], pursuant to a transaction involving " Real Qualified ''. The Vendor, acknowledging the legitimacy of the claim, has promptly AGREED TO REFUND THE DISPUTED AMOUNTS. Documentation submitted to Bank of America, including the Vendor 's evidence of unsuccessful resolution of both disputes ; along with the Vendor 's acknowledgment and FULL INTENT TO REFUND. Despite the Vendor 's compliance claim and the conclusive evidence presented, Bank of America has intentionally and maliciously failed to process the refund in a timely manner, violating its duty to act promptly and in good faith under applicable banking regulations. In addition to the financial hardship, I wish to bring to your attention that I have called Bank of America 's Claim Department multiple times, nearly daily. Each time I call, I am informed that the " Back Office '' is responsible for resolving this matter. However, there is no available means to contact the Back Office directly, whether by phone, email, or mail. In light of the Vendor 's acknowledgement and the evidentiary support provided, Bank of America 's continued failure to process the refund constitutes a breach of fiduciary duty, a violation of federal banking regulations, and a breach of the duty of good faith and fair dealing implicit in the banking relationship. I respectfully request that the Consumer Financial Protection Bureau of the Currency conduct a thorough investigation into this matter, compel Bank of America to promptly process the refund, and take any necessary corrective actions to ensure compliance with applicable banking regulations. I appreciate your prompt attention to this matter and look forward to a resolution that upholds the principles of fairness, transparency, and consumer protection within the banking industry.
Product: Credit reporting or other personal consumer reports

Here is my fraudulent inquiry : XXXX XXXX XX/XX/year>
Product: Debt collection

Cavalry Portfolio Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX, XXXX, CT, XXXX To : The XXXX XXXX XXXX XXXX for Cavalry Portfolio Services , LLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party XXXX Collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : XXXX. Harassment and abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts XXXX contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX Attorney General XXXX and The Better Business Bureau. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for XXXX damages. 

Please remove all unauthorized, fraudulent accounts promptly within XXXX business days of receipt pursuant to XXXX XXXX XXXX & XXXX XXXX XXXX, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the removal of any erroneous accounts from my credit report. Could you kindly review the documents? Some of the accounts listed are incorrect in terms of reporting, with inaccurate amounts and dates.
Product: Debt collection

This item was purchased by a Third Party Debt Collector. This account must be deleted as the status is not correct, the amount is not correct, and the account was paid for less than owed by the Third PartyDebt Collector. Also they do not have an ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requested this because I have had different companies reach out to me about this same alleged debt. This information is NOT CORRECT & NOT ACCURATE. Therefore it must be DELETED IMMEDIATELY.

Here is the account name and number for reference and the incorrect amount also. 


Credence Resource Management : Account # XXXX How much did the collection company pay for this item? I don't know and neither does my credit report reflect such amounts. This is a clear violation of the FCRA as this is not accurate or complete. DELETE THIS IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

The information that is reported under my name is incorrectly reported to my credit reports. The information provided isn't mine and I am a victim of Identity theft. I have not been able to check my credit report nor see generate a score for some time now, this has been affecting me and the things in my life. I am fully entitled to my credit viewing anytime. By provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that this above-mentioned account be permanently removed from my XXXX XXXX XXXX Thank you in advance for your WILLFUL rectification of the notated MIS-INFORMATION above indicated. Be advised I am NOT seeking a generic statement saying that these items are verified. I am requesting undeniable, irrefutable PROOF that the alleged accounts are verified and validated and accurate. I've filed a full police report for identity theft. I am requesting for this to be permanently removed from under my name and my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account XXXX, Acct # XXXX amount XXXX XXXX/XXXX/2013
Product: Credit reporting, credit repair services, or other personal consumer reports

someone stolen my identity to obtain credit cards fraudulent