23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio Collection agency continues to report an old outdated account on my credit file. i sent them a request to validate the account and they refuse to do so. The original credit card is so old it does not appear on my credit. i don't recognize this account nor ever having credit with them. Portfolio re-aged the accounts
Product: Credit reporting

In the summer of   XXXX  , I was  XXXX   XXXX   XXXX , not financially literate, and applied for a Victoria 's Secret credit card when it was strongly recommended and offered with incentive upon checkout at the store, by the store employee. With multiple visits to the store, and multiple employees vying to receive credit for sales and signups, I ended up with   XXXX    Victoria Secret c redit cards. I regularly used and still have to this d ay, one of  the cards. The other card I was ignorant of until I moved apartments and discovered the second card. That is when I looked online at the amount owed on the card and saw the initial transaction from when I had applied for the card. I felt embarrassed about the error and the fact that I did not know about the second card for all those months. I paid it off immediately and closed the account. I was not advised by any  Victoria Secret e mployee or representative at any point ( including account closure ) that my late payment could be understood or acknowledged that it  may n ot have been 100 % the fault of a young  XXXX   XXXX   XXXX  who never got any paper statements regarding late payments or anything to indicate that it was possible that a company would issue  XXXX  of the same credit card to her, and that was indeed what had happened. Being made aware of the Consumer Financial Protection Bureau by my  XXXX  professor,  XXXX   XXXX   XXXX , and having seen partial success in a separate, albeit ongoing case, I would like to bring this issue to light as apparently it is still affecting my  credit score . Although it is stated that Late Payments can affect credit scores for up to 36 months, and this issue was reported in   XXXX   XXXX    , somehow it is showing up on my payment history. I believe this violates the terms, not only on the basis of validity, but on the account terms of amount of time passed, as well. Please look into this and help confirm my suspicion that this behavior is wrong and my credit payment history should be updated by the creditor to reflect that.
Product: Credit reporting or other personal consumer reports

This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 



I demand the following accounts be verified or removed Immediately. 

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: Money transfer, virtual currency, or money service

Hello HSBC Team, I originally chose to utilize HSBC 's international money transfer service due to the advertised capabilities for international transfers and promises of superior customer service. 

Regrettably, those pledges were not fulfilled in my recent experience. After four unsuccessful attempts to resolve the issues with my transfer, I am now preparing to file a formal complaint with the CFPB ( Consumer Financial Protection ), under XXXX XXXX. Lack of resolution is a failure to reduce liability in the international transactions that occur, and US consumers have rights. 

As a customer of HSBC USA, I relied on the bank 's international money transfer service to send funds on XX/XX/XXXX to my new XXXX account in XXXX. 

Unfortunately the transfer was missing XXXX 's XXXX details due to HSBC 's service. After two phone conversations with HSBC representatives, I was informed the issue was XXXX 's responsibility, while XXXX stated it was an issue for HSBC to resolve internally. 

At this juncture, after nearly 17 days have elapsed since the initial transaction, I am exploring additional avenues for resolution, including third party representation. 

The timeline for HSBC 's remediation has exceeded legal guidelines. 

I remain hopeful we can reach a swift resolution without further escalation. Please advise on next steps to successfully complete the transfer to XXXX given HSBCs role as the originating financial institution. 

Also CC 'd on this email is XXXX 's remediation team as well for documentation, support and collaboration services. 

Thank you XXXX
Product: Credit reporting or other personal consumer reports

On XXXX  I contact FNB Omaha to change my last name on my credit card account from XXXX to XXXX. I had a marriage related name change, which they made to my account after I provided my passport, drivers license and marriage license. 

FNB Omaha placed a hard inquiry on my credit file which should not have happened as I was not asking for new credit, or increases to my current credit limit. i was only having them make an administrative change to my account. 

This inquiry from FNB Omaha should be deleted from all 3 bureaus. XXXX will not remove the inquiry and directed me back to FNB.
Product: Credit card or prepaid card

In XXXX, I applied and was approved for a Wells Fargo card for my XXXX XXXX XXXX, XXXX for a credit card with a {$30000.00} credit limit. Wells Fargo offered more, but that's all the credit I felt I needed. Wells Fargo asked for a personal guarantee which was to be faxed to a number they provided. I faxed this signed personal guarantee. 

Shortly thereafter I received letters, calls and emails requesting the personal guarantee. In response to this I faxed the personal guarantee two more times. 

I also tried calling Wells Fargo, and it was impossible to get through to anyone, sometimes waiting on hold for more than 1 hour. 

Finally, I tried sending an email about this through their online system, and I received back a message not addressing my inquiry, but apologizing for long hold times on the phone, and that I should again try to reach them by phone. I wrote back complaining that they did not address my question. 

Shortly thereafter I received a letter saying that I was not approved for the card based on negative information on my credit report. 

This was a colossal waste of time, and I'm upset that I applied and was approved for a card and provided the personal guarantee as they requested but then did not get the card. It seems that once I complained about their service they decided they would not offer the card.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX : XXXX ( XXXX ) XXXX : XX/XX/year> Dispute Department Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Unauthorized Inquiry on My Credit Report Dear Equifax Dispute Department : I am writing to dispute an unauthorized inquiry that appears on my credit report. According to 15 U.S.C. 1681b, credit reporting agencies are only allowed to provide consumer reports for specific and permissible purposes. This law protects consumers from unauthorized inquiries that may negatively impact their credit scores.

I have identified an inquiry on my credit report that I do not recognize or authorize. This inquiry does not meet the permissible purposes outlined in the aforementioned law and must therefore be removed from my credit report. This unauthorized inquiry could be unjustly damaging my credit history. 

I request that you investigate this unauthorized inquiry and remove it from my credit report. I have attached a copy of my credit report with the disputed inquiry highlighted for your reference.

According to 15 U.S.C. 1681b, a credit reporting agency may only share my report under the following permitted circumstances : In response to a court order. 

With my prior written consent. 

In connection with the extension of credit, employment, or insurance, provided that I initiated the transaction. 

If the disputed inquiry was not conducted under any of these conditions, it must be removed immediately. I request a written response confirming the removal of the unauthorized inquiry. 

I look forward to your prompt attention to this matter. Please do not hesitate to contact me if you need any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681b Permissible Purposes of Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines the circumstances under which a credit reporting agency may provide a consumer report. The permissible purposes include : In response to a court order. 

With the consumer 's written consent. 

In connection with the extension of credit, employment, or insurance, provided that the consumer initiated the transaction.
Product: Credit card

I received a letter in XX/XX/2024 about closing my account. I have recently had multiple fraud transactions on my credit cards and this was XXXX of them. Instead of notifying me of this issue they closed my account due to " unauthorized activity '' this caused a huge decrease in my credit as well as me not being able to figure out how to resolve the issue. There were was a check payment made and then taken out as if someone tried to take it out before it could be found out but it ended up coming back returned. My balance is now over the limit and I refuse to pay any further amounts owed until this is rectified and the actual amount owed is reflected. I also want this off of my credit and balance it shown as positive paid since they decided to go ahead and send it to my credit as if it was unpaid.
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 person 's credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act.

Hard inquiries may impact your credit score. 
XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX, NC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX, NC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX, NC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Please remove these inquiries from my credit report immediately. 
If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : Name and title of the person who pulled my credit. 
The date they purport that I gave permission. 
Methods they purport that I gave permission. Please include documentation of said permission. 
Thank you, XXXX XXXX
Product: Credit card

Someone attempted to commit fraud by trying to open a new credit card account in my name without my knowledge. I directly contacted the credit card company, informing them that it wasn't me. They subsequently denied the application due to identity theft. The issue is that this incident is recorded as a hard inquiry on my credit report, and the denial has negatively impacted my credit score. I need assistance in removing this inquiry from my credit report and obtaining additional protection for my identity to prevent such incidents in the future.
Product: Credit reporting or other personal consumer reports

Again, I do this. I wish you have a way for us to draft any case we start. I have to start this all over! 

Experian had not removed or updated my information. Again, I said I never order anything from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and recent new one in XX/XX/2024 from XXXX XXXX XXXX What the heck?! I had no desire to buy anything onnXXXX  XXXX! I am puzzled! Experian needs to stop assume thinking I asked for somethign. I did not! 

XXXX XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX was paid on time. No information in my credit report. Another, XXXX XXXX XXXXXXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX  XXXX was not mentioned neither. Paid onntime for the space on time! XXXX XXXX XXXX XXXX, XXXX  XXXX was also not mentioned. I paid for the room on time! 

XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX was not apt I lived at! It was only mails to arrive n for me to pick up.

Lastly, Experian and 2 other bureaus assumed so poorly. That is why I suggest you to shut down all 3 bureaus! Experian said since I lowered the loan, it affected my credit record. What?!?!?!? It is XXXX XXXX who ripped me off by selling me a lemon truck! I asked them to refund and they did not, but for some unknown reason, the loan reduced. They never communicated with me. Though here is the proof of cancelation request form that I asked them for since they sold me a lemon truck and death of my service dog. 

Experian needs to stop assume and allowd all other affect my credit record. To my knowledge, I dont know why XXXX reduced. They were aupposed to give me a check of over {$5000.00}. Experian did not add more positive points. It slowly raised and is unacceptable. Experian and other bureaus are biased and always had been.
Product: Credit reporting or other personal consumer reports

I am a victim of both identity theft and XXXX XXXX. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documentation and a letter from an advocacy group assisting me due to XXXX XXXXrelated debt bondage, which qualifies as XXXX  under the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX and debt bondage, and I request that all listed accounts be blocked and deleted. Please delete the following accounts from TransUnion : XXXX XXXX XXXX XXXX Credit line secured with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX XXXX  Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX XXXX  Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

Inquiries listed XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX  XXXX  ( Finance ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I have sent in countless letters to Experian, XXXX, and XXXX, neither Consumer reporting agency has removed the XXXX XXXX account in dispute from my Consumer report. I sent in a cease and desist letter to XXXX XXXX on XX/XX/2021 which demands the Bank to cease furnishing my information to the consumer reporting agencies. I have attached all related evidence below to show proof of my claim. Experian, XXXX, and XXXX please delete the account before I seek litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  Credit Card was closed on XX/XX/XXXX from a Chapter XXXX bankruptcy. XXXX XXXX is only Credit reporting agency to correctly report on my Credit report. XXXX XXXX is claiming that my account was charged off in the amount of {$7500.00} and is currently holding a balance when in fact the account was closed during my bankruptcy. 

To my knowledge this account is the same number as submitted with my bankruptcy, if it was not closed then someone other than myself has opened this Credit card in my name. 

I have sent letters to XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX trying to get this taken off my credit report but they keep saying that it was confirmed with no evidence of validation of competent evidence bearing my signature.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I received a a yearly credit report XX/XX/XXXX, and I see that Wells fargo is listed on my report as being charge off XXXX of XXXX. I was suffering hardship financially after Covid and I could not pay on the debt. 
I have not received a 1099-C as of XX/XX/XXXX. I need the form 1099 immediately to file taxes.

I am demanding that you remove the item from my credit report, within 4 days, as your company has taken advantage of the tax write off.

If the Item is not removed I will have no choice other than to report this to the IRS ( Internal Revenue Service ), and XXXX XXXXXXXX XXXX XXXX XXXX. Under the FRCA ( Fair Reporting Credit Act ) Companies can not claim a written off/charge off/ profit loss item and still list it as owed on a persons credit report. The actions of this company is causing harm to me in my ability to secure credit necessary for my family. 


Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is a follow-up to my previous formal dispute regarding inaccurate information on my credit report. Despite my initial communication, I have yet to receive any confirmation of a reinvestigation into the disputed items. Furthermore, by continuing to report incorrect and unverifiable information on my credit profile, you are sharing non-public information that infringes upon my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

Last month I was notified by Synchrony Bank that my credit limit on my XXXX XXXX Credit Card was going down. I have never missed a payment and made above the minimum payments about 99 % of the time. There was no reason to reduce my credit line. They claim items on my credit report caused this but that is simply unfair. Credit line reductions can cause major problems for people trying to buy houses or financing a vehicle or getting business loans. This has caused that card to go to almost 100 % utilization which will lower my score and cause a domino effect. There needs to be a law that requires these credit card companies to need a solid reason to do this other than " what's on the credit report '' as it can cause a lot of damage. I have never missed a payment on anything on my credit report which makes this frustrating. I contacted them and they said I'd need to apply for an increase which I can't get because them reducing this caused my score to go down. It's completely unacceptable behavior and they are doing it because of the pandemic and trying to mitigate their losses if people default which I don't plan to do or see the need to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that you have on file for the account ( s ) listed below XXXX XXXX  Last reported XX/XX/2022 {$4500.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/2022 {$4100.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/2022 {$2700.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2022 {$980.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2022 {$380.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2022 {$66.00} Open balance XXXX XXXX XXXX XXXX Original creditor 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information. 
( XXXX ) Reinvestigation required.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Money transfer, virtual currency, or money service

My cash app what is a mission to reach to them and ask for help with a live person. Or they dont have no one in person. I wanted to transfer money and withdrawal and horrible frustrations to get help. Thank you hope to change it
Product: Vehicle loan or lease

I keep getting pushed away and told false info. Keep getting hung up on, getting put soo far back in car payments cause of XXXX its not adding up and my interest rate is XXXX making it almost impossible to pay off my car with all extra fees n cost that get racked on over n over pls help me understand better asap