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

I am writing to formally file a complaint against XXXX, Experian, and XXXX XXXX regarding their failure to conduct a proper investigation into inaccuracies on my credit report as required under the Fair Credit Reporting Act. Despite my repeated attempts to dispute erroneous information, These Bureaus has continued to report incorrect data and has failed to comply with their obligation. As a result, I recently applied for a Credit Card thru XXXX XXXX 's once again on XX/XX/2025, and was denied as a direct result of the information being reported. Violation of Consumer Rights : FCRA Section 605B, 15 U.S. Code 1692c, 15 U.S. Code 1692g ( b ), 15 U.S. Code 1681e ( b ), 15 U.S. Code 1681i ( a ), 15 U.S. Code 6802 : It is evident that XXXX, Experian and XXXX XXXX has not fulfilled these obligations. The errors remain uncorrected, and I have received a response that either lacked meaningful investigation or attempts to stall the process. 
Requested Resolution - I respectfully request that the CFBB  intervenes to : Ensure XXXX, XXXX XXXX, and Experian conducts a proper investigation of the disputed information, verify that the inaccuracies are corrected or removed from my credit report. and Provide accountability for the credit bureau 's non-compliance with FCRA regulations. So that approval of credit is guaranteed.
Product: Debt collection

Im writing you to dispute an account fraudently opened in my name without sign any document that prove it. I will report this fraud to every single consumer federal agency to escalated this matter if i need it. XXXX XXXX XXXX is violating every single consumer law and they know it. Im also a victim of identity theft of XXXX, XXXX, state ID and my social security has been compromised. According to federal laws they are required to provid undeniable proof that this account is valid with documents such as court judgments, citations from court etc. Supporting my position. Please reinvestigate this matter to correct the disputed item as soon as possible. A fair resolution to this issue would be a complete deletion of this negative trade mark being reported to all major credit agencies. Thank you for your assistance. 

Date reported : XX/XX/2018 collection charge off, last four account number XXXX, amount {$5900.00}
Product: Checking or savings account

Although banks may close consumer accounts for any reason without notice, I believe and thus allege Wells Fargo review of my consumer account indicated in the letter dated XX/XX/year> is discrimination based on race and national origin and contrary to pubic policy.

Contrary to its assertion in the letter, Wells Fargo did not base its decision on objective criteria related to risk ; rather, the bank decided to manage risks in its banking operations based on discriminatory policies and discriminatory practices. According to Consumer Financial Protection Bureau 's ( CFPB 's ) enforcement action, Wells Fargo has harmed millions of consumers over a period of several years, with violations across many of the banks largest product lines. The CFPBs specific findings include that Wells Fargo. See XXXX XXXX XXXX Wells Fargo was a aware that I am a XXXX consumer when I opened my account and also knew or had reason to know based on its own internal monitoring and reporting that its policies of giving unguided discretion to its consumer banking operations, specifically in XXXX products, was resulting in discrimination. See XXXX XXXX XXXX For example, Wells Fargo knew that its policies and practices encouraged the improper placement of non-White consumers into their Wells Fargo XXXX XXXX products and that its internal system designed to ensure proper placement of these consumers was ineffective and subject to easy manipulation. 

Wells Fargo 's internal documents will show that senior officials were aware of the numerous tactics employed to close XXXX consumer 's XXXX checking accounts and that a significant percentage of non-White consumers were closed based on risk compared to its XXXX ones in similarly situated banking products. Thus, Wells Fargo did not act to adequately compensate consumers who were victims of discrimination nor did it take effective action to change its policies or practices to eliminate discrimination. 

Therefore this is not a dispute that involves provisions of my contract with the bank ; it is a bona fide complaint to hold Wells Fargo accountable for its violation of consumer banking laws and to remedy the substantial and widespread harmful consequences of Wells Fargo 's discriminatory banking policies and practices in its Premier Checking division.1
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was compromised via data breech. Someone got a hold of my information and tried to apply for an auto Loan. Car loan and credit cards. These inquiries are due to Fraud. I have spoke to Experian XXXX and XXXX about this issue but they refuse to fix it. I should not be held liable for identity thief information. I am seeking your assistance in having the credit bureaus remove these information. 
XXXX XXXX Ran XX/XX/2018 XXXX Ran XX/XX/2018 XXXX  XXXX XXXX Ran XX/XX/2018 XXXX XXXX Ran XX/XX/2018 XXXX Ran XX/XX/2018 XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX AV XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$7700.00} XXXX XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have an issue which is reporting on my credit report from Ally financial. The Payment status reporting is not accurate and confusing. I went ahead and sent a letter to Ally requesting more information ( see letter attached ). I did get a response from the dated XX/XX/2020 claiming they can not conduct a reasonable investigation and they are requesting more information. I Provided them with sufficient data to do a proper investigation. I provided my full social along with the partial account number which reports on my credit file. I believe they are trying to circumvent a proper investigation ( see attached ). 

Other issues that I have and prompted the investigation is the missing payment history from XX/XX/XXXX-XX/XX/XXXX. I also completed the term of the loan in good payment history leaving a XXXX balance how can this account be a chargeoff/collection.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2020 XXXX
Product: Student loan

I attended a fraud college for one day XX/XX/2020. I got false information didnt know I was signing up for a loan. I was in a car accident same day was not able to get around so I withdrew due to lack of reliable transportation. I withdrew from the school the proper way and returned the books I received and then I started getting calls from TFC stating I owe almost {$700.00}. I didnt understand how because I only attended the school for one day. The loan company is extremely rude and will not compromise on any thing all they want is money that I do not owe. I had a bad feeling about the school and I was right because now the school is under investigation for fraud. The owner has been scamming students to pay out of pocket when the school is federally funded. The loan company TFC has to also be a scam because there no way I owe almost {$700.00} and I didnt attend the school. They have reporting false information to the credit bureau and it has effected my score in a negative way tremendously. Please help I am going through a hardship and I was already ripped out of {$1000.00} out of pocket tuition payment that the healthcare institute ( in XXXX, TN ) wouldnt refund me back. Please tell me what I would need to do to stop this inaccurate reporting. Thank you in advance.
Product: Credit card or prepaid card

Hi, Re : Comenity Bank XXXX XXXX XXXX On XX/XX/2022 I redeemed XXXX rewards points as a direct deposit to my checking account in the amount of {$2600.00}. After waiting the requisite XXXX business days the deposit didn't appear into my savings account. It still hasnt as of today. I contacted the credit card issuer and asked for an explanation. They said they couldnt find the transaction and that I only had a few rewards points in my account. The later part was true since I just redeemed them. They said they were unable to find the transaction even after escalating to the next tier support. In the next several days I received a letter stating it would take 90 days to resolve it and the appears that they were treating it like a charge dispute which this obviously is not. I have contacted my bank and they see no attempt at the transaction being made such as a transaction rejection. The secondary issue is this credit card was transferred from XXXX and XXXX immediately shut off access to their records of all users of this card. 

Best regards, XXXX
Product: Debt collection

Remove the fraudulent account ( XXXXXXXX XXXX XXXXXXXX ) from my credit report immediately. Your non-compliance puts me at risk and violates the law. Comply now or face legal action.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized and inaccurate inquiries and aged collections on my EQUIFAX, XXXX, & XXXX credit report. According to the FCRA ( Fair Credit Reporting Act ). LEGALLY these unauthorized items must be removed.

These are not in pursuit and do not belong to me whatsoever. I have no knowledge of these items ; 15 U.S.C 1681 B Furthermore, I have mailed verifiable information to all 3 Credit Bureaus multiple times with the intent of immediate removal. I have stated all unauthorized items on all 3 of my credit reports as well and they have REFUSED to cooperate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a formal complaint to Experian on XX/XX/20 requesting an investigation into an inaccurate and incomplete credit information. I demanded that they remove the Chapter XXXX and Chapter XXXX bankruptcies from my account due to the fact that they were not mine. 
I did not hear from them after 30 days so I wrote them again using certified mail to remove said items from my report, but much to my chagrin, nothing has occurred. 
I have included a copy of the second letter along with the receipt of the certified letter that was sent to Experian. 
If you have any questions, I am free to discuss this situation. 

Thank you in advance for you assistance. 


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

According to The Fair Debt Collection Practices Act 15 U.S.C.1692 ( g ). All debt that has been sold to third-party XXXX needs to be removed from my credit because I had no knowledge and gave no consent. I disputed the collections on my credit. I asked the bureaus for documentation proving that these debts are mine and they have been unsuccessful. 
All hard inquiries need to be deleted according to 15 U.S.C. 1681 ( XXXX ), All charge-offs and collections need to be removed according to 15 U.S.C. 1681 ( XXXX ) and 15 U.S.C 1681 ( c ) ( XXXX, Any late payments as well needs to be removed immediately according to 15 U.S.C. 1666 ( b ), 15 U.S.C. 1637 ( a ). 
All credit bureaus have refused to make corrections even after documents were submitted to them. None are reporting accurately and when I expressed that their neglect has hindered me in purchasing a home they refused to remove the items violating federal laws they are governed by.A
Product: Debt collection

contacted muti times about the debt was told that they were investgating but never recived info about the account was told over the phone in XX/XX/XXXX that because there was a payment on the account that it was proof of ownership did inform the company that my mother when she was XXXX did the charges and now I am getting harassed because I disputed the account
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and dec as they did not comply with ( XXXX or re on uirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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 ( File No. 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 investigationXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

checked my credit report and show a hard request was made by Equifax mtg which I never approved or authored to be pulled. I called number and was unable to solve the problem.
Product: Debt collection

I sent Midland Credit a cease and desist letter dated XX/XX/year> for XXXX accounts. That letter was received and signed for by XXXX XXXX on XX/XX/year>. Subsequent to that, I received five separate communications by mail all dated XX/XX/year>. Each letter was a violation of the FDCPA, so five separate violations. The only communication allowed now is to tell me there will be no further contact or to tell me they are going to sue me. Due to the age of the alleged debt, Midland can not sue me or report it to credit reporting agencies. The letters sent were done so under false pretenses and state that I was " inquiring about or requesting documentation about the accuracy of [ Midland Credit ] records. '' This is a lie. I sent a cease and desist letter not a request for information. So not only were the five letters each a violation of the FDCPA based on content, Midland Credit also is making false statements to me.
Product: Debt collection

unknown collection, delete this unverified and inaccurate account. This is an unknown collection account. Please delete this inaccurate account from my credit profile. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove
Product: Credit reporting, credit repair services, or other personal consumer reports

Just recently I sent you a letter to reinvestigate the inaccurate and incorrect items from my file, but your reinvestigation doesn't resolve my concern.
Product: Payday loan, title loan, or personal loan

In XXXX of 2022 I was approached by an acquaintance stating that his neice could get me approved for a loan, but I would have to pay XXXX to ensure that the loan was approved. The funds were paid and unbeknownst to me I couldve gotten approved for the loan without paying anything. I reached out to OneMain Financial to bring this to their attention and was told they did not have anyone by that name working in their offices, but upon further review on their end, there is an associate in their office promoting loan approvals and stating you would have to pay.
Product: Debt collection

The company continues to report to the credit agencies after stating this account was fraud. I contacted them while I was living abroad when I pulled my credit report and notice an account I had previously closed with them had been reopened. After investigating they determined it was fraud now a year later they continue to harass me and request over XXXX XXXX  that I do not owe nor did I charge I was in XXXX XXXX and provided that information to them. At this point this is harassment according to U.S. Code 1692c they have no authority to do this. they are reporting false info to credit agencies its not right
Product: Checking or savings account

My checking account with XXXX XXXX XXXX was recently acquired by US Bank. When that happened they began charging me fees for ATM withdraw ( both ATM fees and international fees ). I had no such charges with XXXX XXXX. 

I signed no papers agreeing to these charges with US Bank, nor did I agree for my account to be managed by US Bank. I realize at this point that I have no choice since US Bank has bought my account but they refuse to refund more than 5 charges. Since I did not agree to these banks terms nor did I even want to be a US Bank customer I am asking them to refund all of these fees but they refuse. The fees are listed below. 

XXXX - {$8.00} XXXX - {$8.00} XXXX - {$8.00} XXXX - {$5.00} XXXX - {$8.00} XX/XX/XXXX - {$2.00} XX/XX/XXXX - {$3.00} XX/XX/XXXX - {$8.00} XX/XX/XXXX - {$5.00} XX/XX/XXXX - {$8.00} XX/XX/XXXX - {$5.00} XX/XX/XXXX - {$8.00} XX/XX/XXXX - {$5.00} XX/XX/XXXX - {$8.00} XX/XX/XXXX - {$8.00} XX/XX/XXXX - {$8.00} I would like these fees to be returned as I did not agree to these terms for my checking account. I have contacted them and they refused to refund any more than five ( returned fees not listed above ).