23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I XXXX XXXX borrowed, XXXX dollars from empower on XX/XX/year>, it was due on XX/XX/scrub>XXXX they did not debit from my account, so i waited 2 days later to see if they got their payment, they ha XXXX not, so i went to the bank on XX/XX/scrub>XXXX  to see if the bank had a problem, they did not, the bank lady looked up empower, s number, i called and asked the lady, why havent they took their payment out, she said she couldnt, i daid to her when i borrowed XXXX dollars the first time, yall didnt have any problems, why now, than she put me on hold for a very long time, and came back on the phone and said, they need to change the due date, to XX/XX/year> i want them to get their money, i dont trust them, i cancllrd my debtit card, i will pay them by money order, i dont want them trying to go in my account any more, they gave me the run around, since XXXX  i just want to pay them what i owe them which is XXXX dollars, they seem shady, and i dont want nothing else to do with them, i told the lady cancell my information, after yall get your payment, which they did not, i dont trust this company, i dont want them stealing off of me
Product: Checking or savings account

On XXXX XXXX XXXX, I received an alert from my Chase Banking App saying I had a low balance alert. Upon reviewing the transaction history on my phone, I discovered an unauthorized transaction was made to empty out almost every thing from my account and was withdrawn from an ATM less than 5 miles away from my house. This withdrawal occurred at XXXX XXXX. However, during this time I was not in the city where the transaction took place and actually have receipts showing that I was in another city all night camping out for a release of an electronic. During this time, I made a transaction on my XXXX Card at XXXX PST. After, discovering about the unauthorized charge, I called Chase immediately and requested for the card to be cancelled and filed a claim for fraud. After almost 3 weeks of review, with no word from Chase, they  decided to reverse my claim causing my checking account to be overdrawn on XXXX XXXX XXXX. I spoke with 2 representatives over the phone, they both told me since the transaction had been made with my PIN, the charge was authorized, and they could not help me further with my case. As a response, I visited the Chase branch that the money was withdrawn from, requesting for a copy of the receipt for the unauthorized transaction and if it was possible to review the security footage of the transaction taking place. They were only able to get the receipt for the transaction, and was told surveillance footage can not be reviewed without a subpoena or by a peace officer. I was then told again that I would have to resolve my case through outside means. I have since filed a police report for the fraudulent charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to repeated identity theft issues, I have a credit freeze on my credit. On XX/XX/2023 I unfroze the freeze to apply for a fuel savings card. On XX/XX/2023 I re-instated the credit freeze. Somewhere in the XXXX time period an individual impersonating me opened an account at XXXX XXXX XXXX XXXX XXXX. We have XXXX, XXXX protection, we reported the issue as NOT ME. We were leaving for a trip at the time and did not follow up on this issue. On Thursday, XX/XX/2023, I received an e-mail and phone call from XXXX XXXX about this issue. I contacted Equifax, then contacted the XXXX XXXX XXXX XXXX and obtained the account # that is attached to my name and social security number. 
XXXX XXXX has been in contact with me several times, and instructed me to file a police report on this issue. My local police department, does not accept identity theft reports, and I was directed to file with you.
Product: Credit reporting or other personal consumer reports

I am respectfully asking the XXXX, Equifax and XXXX Credit Bureaus, to kindly please REMOVE these items listed in this complaint. I am sending this complaint as a follow up in making sure that these items listed below are removed from my credit reports. I am asking that the 3 Credit Bureaus to please see the these items below and remove them in my credit reports : XXXX : XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/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

I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report Number : XXXX which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report. 


Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

XXXXXXXX XXXX : Account number : XXXX, I was a victim of identity theft. 
XXXX : Account number : XXXX, I was a victim of identity theft. 
XXXX XXXX : Account number : XXXX, I was a victim of identity theft. 

Failure to respond satisfactorily will result in a small claims action against your Agency. I will be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each Per 15 U.S.C 1692k : 1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Product: Credit reporting or other personal consumer reports

I kindly request that you investigate this matter and remove the incorrect late payment from my credit report. As supporting evidence, I have attached copies of [ bank statements, payment confirmations, or any other relevant documents ] that show my payment history. 



Under the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate information. If this late payment was reported incorrectly, I respectfully request that you correct the error and notify the credit bureaus to update my credit report accordingly. 



Please provide me with written confirmation of your findings and any changes made to my account. I appreciate your prompt attention to this matter and look forward to your response within 30 days, as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint on Equifax for not investigating and addressing a problem on my credit report. They closed my CFPB complaint without providing any information on what was or is being done to address the problem. I am insisting that they reopen the case and investigate it and provide information on exactly what they are doing, or have done to address my complaint. Here is my original complaint : A collection account showed up on my credit report out of nowhere. I contacted the credit agencies to dispute it because it doesn't belong to me. I have no knowledge of the account and I received no notice from anyone about the account. It just showed up on my credit report. I contacted Equifax to dispute it. Equifax sent me an email with a document showing that they added a note to my credit report that it's disputed, but the account is still on my credit report. I have no documentation concerning this account because it is not mine! I have no knowledge of the account. It is not my account.
Product: Credit card

I have been trying to get Equifax and XXXX XXXX to resolve this clear billing error violation on my credit report. I am being flat out ignored and i don't understand how Equifax could be a muilti million dollar company and still take advantage of Americans. How can they just put inaccurate late payments on my credit report, severely hurt my credit, and then ignore when i show them that it is not accurate. The fair credit and reporting act clearly states that they can only report accurate information. Well the late payments back in XXXX and XXXX are 100 % false. If they were doing their job correctly they would know this. How do i get a late payment on a product that i completely paid off?
Product: Credit card

XXXX XXXX ( OneMain Financial ) - takes payment but does not update available balance and falsely reports payments were returned. Payments made during the billing cycle before the payment due date to pay off the card are taken from my bank right away. They are listed as payment posted on the account. But they do not apply them to the available balance for 2 or more weeks, and usually not until the next billing cycle starts regardless of how early the payment is made. They set the account to XXXX balance with no available credit when it has been paid off in full. This last payment, they reduced the payment amount that I sent them by XXXX dollars after I sent it to leave a 'balance ' on the account when I had paid off the full amount. They still did not update the available balance, but took the reduced amount out of my bank right away. They charge fees that the account is over when they have already taken the payment out of my bank account and listed it as posted weeks beforehand. I have called them about it and they will not correct it. It has been going on for months. They have also said multiple payments made to pay off the card during the month have been 'returned ' while I had more than adequate funds in my bank account to cover them. My bank says they never received the request for the payment from the creditor or returned it/them.
Product: Mortgage

When I originally received a loan modification about 5 years ago they told me it was a 30 year fixed step loan that would eventually cap off at 5 %. They are now telling me it is an interest only loan and that it will amoratize in 2019 and the payment will increase by about {$500.00}. The documentation attached clearly states that the loan type is a fixed rate and it also states that the payment amount is principal AND interest, not interest only. 
My modification was not thru HAMP but was one of GMAC 's in house modification products. The loan has since been acquired by Ocwen and I have tried to modify several times, as I want a fixed rate loan that is not going to amoratize. Ocwen has turned me down because I either make too much ( not taking into consideration my amount of debt ) or that I make too little due to my debt to income.
Product: Consumer Loan

I continue to get automated calls to my work cell phone non-stop from CMRE. I have asked several times for CRME to stop calling my work cell phone and send all inquiries by mail, they refuse to do so.
Product: Mortgage

In XXXX, I went through a difficult period during COVID-19 with a reduction in hours and pay. 

Select Portfolio Servicing, the mortgage servicer, provided misleading information regarding my forbearance plan and kept telling me to wait for a response. At the same time, I received poor legal advice from my attorney, leading me to file a complaint with the Attorney Discipline Registry Commission. 

To make a long story short, after all the misinformation from Select Portfolio, I had to reach out to the investor, XXXX XXXX, to overturn Select Portfolio 's consistent denials, claiming the lender declined my modification. As it turns out, XXXX XXXX did approve my modification. I was doing well and finally managed to get my bills back in order after the failed legal advice. Now, I am requesting Select Portfolio to take the four payments behind and defer them to the loan end so I can start fresh in XXXX. I have a XXXX mother living with me, and she can no longer go upstairs to her bedroom to sleep, so I need to keep my credit in order to obtain a new loan to buy a ranch house to accommodate her XXXX. 

I have filled out a request for mortgage assistance, including : - XXXX and XXXX taxes ( XXXX taxes are not completed yet ) - Previous bank account statement from XXXX  - Three pay stubs - Hardship letter I do not have time for back-and-forth communication ; I need straightforward answers as I try to get my finances in order after a rough four and a half years.
Product: Credit reporting or other personal consumer reports

My Only name and address is what's listed on the complaint. 
There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.
Product: Credit reporting or other personal consumer reports

Information About XXXX XXXX XXXX  is different for each Credit bureau, per 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because my credit report contains inaccurate and potentially unlawful entries, which violate the Fair Credit Reporting Act ( FCRA ). The issues I am experiencing are outlined below : 1. Duplicate Reporting of the Same Debt Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), creditors and collection agencies are prohibited from furnishing inaccurate or misleading information to credit bureaus. My credit report shows the same debt reported multiple times by different entities : Original Lender : XXXX XXXX XXXX XXXX XXXX. 
Collection Agency : XXXX XXXXXXXX XXXX Both accounts reflect the same original balance of {$990.00}, the same current balance of {$990.00}, and the same date assigned ( XX/XX/year> ). This duplicative reporting is misleading, unfairly impacts my credit score, and violates the FCRA requirement for accuracy in credit reporting. 

2. Incomplete or Missing Information Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure the accuracy and completeness of information. However, one of the entries is missing key details ( e.g., the " Agency Name '' is blank for one account ). This lack of information prevents me from understanding who owns the debt and whether it is being reported correctly.

3. Failure to Update Information Under 15 U.S.C. 1681s-2 ( a ) ( 2 ), furnishers are required to update information to ensure accuracy. If this debt has been sold or reassigned, the original creditor ( XXXX XXXX XXXX XXXX XXXX ) should no longer report it. However, both entities are reporting the debt, suggesting the information is not being updated. 

4. Misrepresentation of Debt Responsibility If the debt has been transferred or sold to a collection agency, it is misleading for both the original creditor and the new collection agency to report the debt simultaneously. This violates the FCRA, as it creates confusion regarding the debt 's true ownership and status.
Product: Prepaid card

I purchased a Vanilla Visa Gift Card from a grocery store. Tried using it and it was declined. Called and was told the car was put on hold. I asked for a refund. I was told that I need to send an email including a copy of the card ( front and back ), proof of purchase and to include my name and mailing address which I sent on XX/XX/2023. 

On XX/XX/2023, I received an email saying that they received and reviewed the information provided but can't locate the account and asking me for an 8 digit case number. Called them and spoke with three different representatives who are based in XXXX and they can't fix anything after spending over two hours on the phone.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX '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 the account is accurate, without providing any evidence of a thorough investigatica.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX '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 XXXX XXXX XXXX XXXXXXXX XXXX against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX  : Account number XXXX XXXXXXXX, and Account number : XXXX {$6500.00}, {$4700.00}, {$3500.00}, {$3300.00} 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 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 to any 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

XXXX Equifax XXXX  XXXX is reporting a XXXX account that doesnt even exists in their database or cant even be verify because they dont own it anymore so why would it still be reporting it if its not accurate. I demand a deletion even my report to XXXX couldnt be verify in my previous complaint directly with cfbp.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX  GA XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2023 XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$130.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to persistent errors and violations in the reporting of my CitiBank account ending in XXXX. I have been disputing these inaccuracies for over five months with CitiBank and the credit reporting agencies, yet no corrections have been made. These errors have severely damaged my XXXX XXXX and are preventing me from purchasing a home for my family. 

Errors and Violations Identified : Impossible and Inaccurate Dates : The account Start Date and Last Reported Date are shown as XX/XX/year> and XX/XX/year>. These are future dates, which are clearly inaccurate and violate the requirement for accurate reporting under the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ).

Inconsistent Account Status : The account is marked as Closed and Paid, with a {$0.00} balance, yet it is still reported as Negative with a history of late payments. This inconsistency is misleading and unfairly damages my credit profile. 
Failure to Correct Disputed Information : Despite disputing these errors for over five months, CitiBank has failed to correct the information within the 30-day timeframe mandated by the FCRA Section 611 ( 15 U.S.C. 1681i ). This constitutes a failure to fulfill their legal obligation to ensure accurate reporting. 
My Rights as a Consumer : Under the Fair Credit Reporting Act ( FCRA ), I have the right to : Have only accurate and verifiable information reported on my credit file. 
Have disputed information investigated and corrected within 30 days. 
Hold furnishers accountable for reporting inaccurate information ( Section 623 ). 
CitiBank 's failure to correct these errors is a direct violation of my consumer rights and has caused me significant harm.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account number : 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Subject : Experian Privacy Rights Violation and Correction Request I am writing to bring to your attention several critical issues related to my credit report. Enclosed, please find copies of documents that demonstrate Experians violation of my privacy rights under The Privacy Act of 1974. Specifically, I want to address the following concerns : 1. Written Instructions and Violation of My Consumer Rights : o According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies can only provide a consumer report based on written instructions from the consumer. I have not explicitly provided written consent for Experian to share my information with XXXX XXXX, XXXX XXXX XXXX, and the NY Child Support Enforcement Agency. This appears to be a violation of my rights. 
2. Revoke any consent o Any and All consent to Experian ( Furnisher of information to credit agencies ) whether it be ( verbal, non-verbal, written, or implied ). or otherwise, is revoked. 
o I was never informed of my right to exercise the nondisclosure option, as stipulated by 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to the nonaffiliated third party unless -- - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
o Experian is prohibited from including certain items of information in a consumer report without proper authorization, especially adverse items. If any inaccurate or unauthorized information has been included, I request an investigation and correction. 
3. Maintaining Reasonable Procedures Designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports to authorized purposes listed under section 1681b of this title. Experian is not maintaining reasonable procedures. 
4. Opting Out of Reporting Services : o As per 12 CFR 1016.7, I formally opt out of Experians reporting service and prohibit the sharing of my information with third parties. 
o Please ensure immediate compliance with this request