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

I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to. 

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within five business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Listed below are the Collections that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX Your agency is in violation!

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 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 XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of COLLECTIONS : XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I sent a request for debt validation to Enhanced Recover Company by return-receipt mail on XXXX XXXX, 2017. The letter was returned unopened and marked by USPS as " Return to Sender, Refused, Unable to Forward ''. This company is reporting a debt {$3300.00} to all three credit reporting agencies. I have no knowledge of this debt.
Product: Debt collection

Hunter Warfield Inc. ( XXXX ) calls me DAILY ( every morning/every evening ) at my home phone seeking a " XXXX XXXX XXXX ; ref. Acct # XXXX. '' I have told them REPEATEDLY she moved from this address to XXXX, in XX/XX/XXXX, and I do NOT have any contact with her nor do I know her current whereabouts. On XX/XX/XXXX I filed a complaint with the FL XXXX ( Complaint ID # XXXX ), and Hunter Warfield agreed to XXXX NOT to contact me anymore. I accepted their resolution and the case was closed early this morning ( XXXX ), and then they called AGAIN at XXXX ( Robocall! ). I have emailed Hunter Warfield ( XXXXXXXXXXXX ) an " alternate '' family member 's contact information ( who MAY know her current whereabouts ), and yet they CONTINUE TO HARASS ME VIA PHONE DAILY! I want this STOPPED! I suspect XXXX XXXX has used both my home address/phone no. to fraud those to whom she owes money and probably skipped out owing rent from somewhere, as she did here.
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 action 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. 


These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello. So my Chase checking account got closed due to suspicious activity because I XXXX XXXX to my saving account ( XXXX  ). So the funds ( XXXX in total ) inside are trapped and the bankers told me that I had to verify them to get back. So I did what they say and collect the phone numbers of people who deposit the money to my account. One person deposited using XXXX which can be verified but for the rest of the money ( amounting in XXXX ) the other people deposited by money ordering. A person from the headquarters told me that those can not be verify and the bank will hold it for 2 years and release them as government funds. I even told the bank that the people who deposited for me can literally go to the bank and verify for them. PLEASE HELP ME GET THOSE BACK BECAUSE I NEED THEM FOR MY TUITION FEES AND I AM AN XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) application for employment, ( 4 ) a court order.

The following inquiries are related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 
1. Capital One Hard Inquiry XXXX XXXX unauthorized inquiry 2. Capital One hard Inquiry XXXX XXXX 3. Capital one hardy inquiry XXXX XXXX Please remove these inquiries from my credit report immediately. If any of these companies purport to have pulled my credit with my permission, then I exercise my legal right to ask for verification, including : 1 ) Name and title of the person who pulled my credit 2 ) date they purport I gave permission 3 ) method they purport that I gave permission Please include documentation of said permission.
Product: Debt collection

XXXX XXXX  XXXX  they trying to collect 2 old account? Each one for XXXX $ For total XXXX I always explain thats was identity thief Im tired to explain my self to this company they take off account or get another Company and bring it back to me credit. Im not going to pay this I never get any service with them or any other company they need to leave my credit and me alone is upset me all the time they doing the same I dont receive any service from XXXX XXXX  or XXXX XXXX  back in the day! Please take it down of my credit always I send police report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly a collection in the amount of {$2000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 35 of the attached credit report. ) I fortunately did NOT have to make a visit to the emergency room in XXXX, 2019 as is being reported. I have attached a copy of my identification along with a copy of my insurance card for reference. This collection has been falsely attached to my credit report and this inaccurate reporting is seriously harming my credit score. Please remove these line items from my credit report.
Product: Debt collection

Received XX/XX/XXXX " Demand Letter For Payment '' for {$1200.00} from Phoenix Financial Services, LLC. 

On XX/XX/XXXX I sent a memo ( copy attached ) to Phoenix Financial Services, LLC with attachments showing this bill was paid in full ( {$1100.00} ) to XXXX XXXX XXXX XXXX XXXX XXXX. 

Received Phoenix Financial Services, LLC 's XX/XX/XXXX reply letter XXXX copy attached ) requesting front and back copies of checks.They completely ignored all payments were paid through XXXX XXXX online " my chart '' system and my balance due as of XX/XX/XXXX was XXXX ( {$.00} ) copy attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Transunion & XXXX : I am writing to inform you about an error I noticed on my TransUnion and XXXX  credit report. 

Date of item being disputed : XX/XX/XXXX Description of dispute : My Transunion and XXXX  report states that I have 1 Hard Inquiry from XXXX XXXX  ( XXXX ) on XX/XX/XXXX. It's been four months now and this Inquiry still shows on my report, even when I am not currently doing business with them. I also have a Negative Activity on my report from XXXX ( XXXX  XXXX  ) on XX/XX/XXXX. My credit card debt from XXXX XXXX  have already been settled in full, yet the negative activity still appears. 

I am requesting that you remove this information from my credit report. 

Thank you for your help.
Product: Mortgage

After numerous submissions for modification and making payments to Wells Fargo after having to file a chapter XXXX  reorganization bankruptcy in hopes of getting some type of help to save my home they refuse to work with me. They took a few payments but would not offer me any loss mitigation help. 
My family and I have worked and saved a large sum of money in hopes of some type of workout but they refuse to help us. We ask for the reinstatement figures but each time we think we have the amount needed the figures come back much higher than the last figures we just received 30 days go. 

The auction again if for XXXX XXXX, XXXX. We tried to find the Invest XXXX, XXXX according to Wells Fargo it is up to the investor Wells Fargo is a part of XXXX.
Product: Debt collection

I XXXX XXXX, entered into a consumer credit transaction with Capital One Auto Finance on XXXX XXXX. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as a sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Capital One Auto Finance took cash. The Finance charge is suppose to include insurance, but Capital One Auto Finance made me purchase insurance separately. Capital One Auto also did not inform me of my right of rescission.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I would like to move forward with litigation against EQUIFAX, XXXX XXXX XXXX. I have requested investigation under FCRA 611 ( a ) to all three Bureaus in reference to XXXX XXXX XXXX  XXXX Number XXXX ; XXXX XXXX- No Account Number Noted. I have asked XXXX, EQUIFAX, XXXX not to update or verify these fraudulent accounts without doing a due diligence investigation. I have requested to be provided with a WET SIGNATURE and physical documentation to support the information that is being reported and they have FAILED to do so. They have also FAILED TO BLOCK IDENTITY THEFT RELATED INFORMATION.XXXX reported that they CANT locate a credit profile but they are still reporting FRAUDULENT accounts on my credit profile they are lying and reporting inaccurate information on my report. EQUIFAX is also still showing an Account for XXXX XXXX XXXX XXXX Number XXXX IN WHICH THE CREDITOR PROVIDED PROOF THROUGH THE CFPB THAT THEY SENT RECEIPT TO ALL THREE BUREAUS TO DELETE THE TRADE-LINE AND THEY ARE STILL REPORTING THIS INACCURATE INFORMATION. I KEEP PROVIDING MY DRIVERS LICENSE, UTILITY BILL AND IDENTITY THEFT REPORT, WHICH IS THROUGH FTC ( FEDERAL TRADE COMMISSION ) I HAVE ALSO INCLUDED THE ATTORNEY GENERAL ON THIS COMPLAINT AS I HAVE SENT SEVERAL REQUESTS TO HAVE THESE FRAUDULENT ACCOUNTS REMOVED AND THESE BUREAUS CONTINUE TO REPORT INACCURATE INFORMATION OR PROVIDE VALID INFORMATION AND REQUESTED DOCUMENTATION AT MY REQUEST, THIS HAS BEEN WELL OVER 30 DAYS AND THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY.MAY I REMIND YOU XXXX is currently being sued due to sham investigations and inaccurate information being reported and they are in violation of the FCRA, 15 U.S.C 1681 i ( a ) ( 2 ) ( A ), 15 U.S.C 1681i ( a ) ( 5 ) ( A ), 15 U.S.C 1681i ( a ) ( 5 ) ( B ), ( C ). Equifax has also been fined for improper investigations and inaccurate information being reported, as well as putting previously deleted errors back on credit reports and and failing to block identity theft related information.
Product: Payday loan, title loan, or personal loan

One Main Financial has an auto payment that they only control. Their website say manage payment options but doesnt allow the consumer to control their own account. I have had to cancel my payment accounts but kept getting overcharge fees and returned checks. One Main states to call them directly and make changes. I have agreed that their manage payment options is misleading. The consumer has the right to manage there accounts and not always having to call to make changes. Then when you set up autopay they keep withdrawing until they get their money which has lead to XXXX dollars in returned checks. I have never authorized multiple attempts. They remind me so much like how XXXX XXXX controled the payment options. This is abuse and they need to be stopped.
Product: Debt collection

I '' ve sent out several debt collection validation letters to Security Credit Services to the address the company provided on my XXXX and XXXX XXXX credit report. The letters came back as return to sender. This is a violation of the FCRA. All information reporting must be accurate and correct. I have requested and still requesting that is collection be deleted promptly from my XXXX and XXXX XXXX credit report and that I am compensated for this violation that adversely affecting my credit worthiness. I have attached proof of my claim.
Product: Credit card or prepaid card

I would like to begin by stating that I absolutely love my AMEX Gold Delta Skymiles account. However, I feel that the interest charge on my account was a usury violation. 

My XX/XX/2020 AMEX bill, due XX/XX/2020 was {$15000.00}. I paid {$10000.00} towards that balance, knowing that I would incur an interest charge on the balance. When the interest posted, the amount seemed high for the balance which was left unpaid. 

My XX/XX/2020 AMEX bill, due XX/XX/2020 was {$10000.00} of which {$5200.00} was the remaining balance from the previous statement. On XX/XX/2020 I paid the entire statement balance. Yet on XX/XX/2020 I was charged {$130.00} additional interest. 

On XX/XX/2020 I called and spoke to XXXX ( ID # XXXX ) from the XXXX XXXX call center. He informed me that I was charged interest based on the TOTAL amount of the bill, regardless of how much I had paid towards the balance. He stated that regardless of the fact that I had paid $ XXXX towards the XXXX billing, on XX/XX/2020 I was charged interest of {$170.00} based on the TOTAL amount of the statement balance ( {$15000.00} ), not the ACTUAL balance remaining unpaid ( {$5200.00} ). The interest was for the period of XX/XX/2020 to XX/XX/2020. He further stated that even though I had paid off the entire balance of the XXXX bill by XX/XX/2020, I was still charged interest of {$130.00} on XX/XX/2020 based the entire statement balance ( {$10000.00} ) instead of the outstanding balance ( {$0.00} ).  The interest charged was for the period of XX/XX/2020 to XX/XX/2020. 

I told him that I can understand and agree that Amex is entitled to charge me interest on the UNPAID balance of {$5200.00} from the XXXX statement, but that I believed that charging me interest on amounts which were already paid is a usury violation and that I would need to report it to the FTC. 

I asked XXXX to please put in a dispute for the interest so that someone could review it to verify if what he had told me was correct. He refused and stated that they are not allowed to put in a dispute for interest charges. 

As I stated above, I am fully aware that I owed interest to AMEX for the {$5200.00} which was unpaid. However, I feel that overcharging, just because they believe no one will catch on or report it, constitutes unfair usury practices. 

By my calculations, based on AMEX 's interest rate of 22.74 % APR, the interest owed on the outstanding unpaid balance of {$5200.00} for the 48 days is only {$150.00} TOTAL. I calculated it as follows : 22.74 % APR translates to 0.062301369863 % per day. 
Time frame of XX/XX/2020 to XX/XX/2020 is 48 days. 
Outstanding balance remaining unpaid as of XX/XX/2020 {$5200.00}. 

{$5200.00} X 0.062301369863 % X 48 days = {$150.00} In total I was charged {$310.00} and am owed a refund of {$150.00}.
Product: Debt collection

From XX/XX/XXXX to XX/XX/XXXX foster and garbus garnished my check bi weekly each pay period by 100 or  more dollars.
Product: Credit reporting or other personal consumer reports

I have requested that XXXX remove a collections account for XX/XX/XXXXe for {$7200.00} from my credit report because it did not belong to me XXXX times in the past year, and I have not received an update. I decided to call the collection agency on XX/XX/XXXX and ask them directly to remove the account. They confirmed that the account was opened back in XXXX for XXXX XXXX for my sister. I informed them that my sister lives with my father and is on his insurance. I was not present on the date in question when she required XX/XX/XXXX, but Wakefield and Associates say they received my name and social security number from them when they acquired the account. I tried explaining this and asking for the information, and they said they had to send it to the address they had on file, which is not mine. This account was only added to my account recently. This wasn't on my account until last year I believe. The person I spoke with at Wakefield and Associates was XXXX, a supervisor. I also informed them that I was contacting the CFPB about this.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX both refused free annual credit report. Called toll free help line and no help just phone tree loop. Requested free annual credit report from the 3 bureaus and only XXXX gave me a report. Request made XX/XX/2023 XXXXCST.
Product: Mortgage

JP Morgan Chase has not shown proof of paying my taxes to XXXX County. I have a contact at the county who has contacted Chase but the issue is over two months and has not been resolved despite assurances from Chase that they would look into the matter.
Product: Student loan

On XX/XX/2021 I submitted my employment certification form to FedLoan Servicing to see how many payments I have left before I am eligible for Public Service Loan Forgiveness. Additionally, there are many months that I didnt not receive a bill from FedLoan where I could have paid but they said those months would not count.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX XXXX XXXX in XXXX ( approximately ). I had financial issues and was unable to pay of this balance in XXXX. They closed my account and wrote off the balance shortly after. Since this they have sold my account to numerous companies and it keeps Coming up on my credit report 15 years later saying that I am currently late on payments. I understand I defaulted on this account 15+ years ago, but I was under the impression it was only on my report for 7 years. I disputed this with Experian and they actually made it as if Im currently behind on payments like it was never written off. I am trying to get my credit and finances stable so I can eventually catch up on my past due accounts.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration concerning the ongoing issues I have been facing in my attempts to remove fraudulent items associated with my account from Equifax and XXXX Credit Bureaus. These fraudulent items have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. 

I believe it is essential to provide an overview of the numerous attempts I have made : I first discovered the fraudulent items on my account and promptly contacted your customer service department. I clearly explained the situation and submitted the required documentation. I was assured that the issue would be resolved. 

After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. 

To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. 

The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the fraudulent items. I contacted your customer service department again, only to be told that my case was still under investigation, with no further information provided. 

This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with your company 's requests. The lack of resolution has taken a severe toll on my financial and emotional well-being. 

I request the following : Immediate and decisive action to remove the fraudulent items from my account.

Clear communication regarding the status of my case and the steps being taken to resolve the issue. 
A formal written acknowledgment of the fraudulent charges ' removal. 
Compensation for any financial losses or damages incurred as a result of these fraudulent charges. I am asking for your assistance to remove the following fraudulent items : XXXX XXXX XXXX XXXXXX/XX/XXXX, AR XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00}XX/XX/XXXX Opened XXXX. XXXX, XXXX Balance {$4100.00} XX/XX/XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} XX/XX/XXXX XX/XX/XXXX Opened XXXX. XXXX, XXXX Balance {$4100.00} XX/XX/XXXXInquiry : XXXX XX/XX/XXXX