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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the Equifax data breach, and I've discovered unauthorized or misleading items, linked to my profile. These are not affiliated with me, and I never authorized them. XXXX XXXX XXXX **** Balance Owed : {$260.00} XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$240.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$620.00} XXXX XXXX Balance Owed : {$600.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I left XXXX in XX/XX/2022. When I left, I still continued to make some type of payment to them every single month. I was assured multiple times when communicating with them that as long as I continue making some type of payment my account would not go to collections. I made consistent payments. They lied and still sent account to collections as of XXXX with Receivables Performance Management LLC. I call the collection company and the phone call immediately drops. I had someone else call ( not from my phone number ) and the call went through. It seems like they have this block so that the person who owes the debt cant reach them! This is very unprofessional and a setup. Definitely not a trustworthy company!
Product: Credit card or prepaid card

XX/XX/XXXX - XX/XX/XXXX {$430.00} BoA asked me pay this amount which are not purchase those XX/XX/XXXX - XX/XX/XXXX {$3800.00} XXXX XXXX will close this account for fraud but I want to make sure
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt It has been XXXX days and you are in VIOLATION of this law because I am a victim of id theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a XXXX protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting

I have contacted Equifax on numerous occasions concerning all the inaccuracies that I 've disputed on my credit file for re-investigation and after several times, finally so I thought everything was deleted for good that did not belong to me. I received a letter in the mail XXXX/XXXX/2015 stating that Equifax has added the Bankruptcy back to my credit file. I did have a fraud alert on my credit file with all XXXX of the credit reporting agencies that lasted 90 days. I am outraged and want something done concerning this issue. I would like to see were my name is on the bankruptcy papers. I am also filling a complaint against Equifax, XXXX XXXX and XXXX for not updating my credit score that I have work so hard to bring up. I sent all XXXX credit bureaus certified mail receipts out on XXXX/XXXX/2015 and still to this day, have not heard any response back from them.The only response I received back was Equifax stating they have added the bankruptcy back to my credit file. They are breaking the law with the Fair Credit Reporting Act ( FCRA ). Not only them errors but because of all XXXX of the credit bureaus did not update my scores, it has caused me denials of applying for credit again.This has really hurt me in more ways then XXXX.
Product: Checking or savings account

Around XX/XX/2017 my checking account got frozen and they told me that it was fraudulent use but they seized all my money and close my account that was {$3300.00} I've been talking to the bank they've been treating me like I'm a lowlife talking to me like very disrespectful hurting my feelings and keep sending me a letter that I haven't took a picture of for you saying that they're working on it and it's it and it's been almost a year now
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 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, 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 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. 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 that are inaccurate : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) XXXXXXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX Vice President Of Credit and Card Operations XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX : An inexcusable situation has recently occurred with my XXXX card ending in XXXX. I entered the payment protection progam on and discover was inaccurate in their reporting.

I was under the full impression that while in this program my credit would be protected from negligent reporting to the three credit bureaus, unfortunately for me I had Seven ( 7 ) months in a row of late payments.

I have attempted to resolve this problem myself, but my attempts have been unsuccessful. Therefore, I trust you will personally and promptly do so for me.

I have patronized your company for many years. Furthermore, I have promoted my satisfaction to my friends and family, who have then become clients of your company as well. Unfortunately, I felt it necessary that these many customers must also be made aware of the outrageous situation in which I have found myself.

I expect an immediate and full refund of money discover charged my account while I was in the payment protection program by no later than two weeks from the date of this letter. Until I hear from you with this resolution, I will be forced to continue to dispute these late payments to all three credit bureaus.

Thank you. 

Sincerely, XXXX XXXX XXXX cc : XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Room XXXX XXXX XXXX XXXX, XXXX Washington, DC XXXX T whom it may concern XXXX is reporting my late payments in error! 
this is the letter I wrote to XXXX XXXX on XX/XX/2021 XXXX XXXX XXXX Vice President Of Credit and Card Operations XXXX XXXX XXXX XXXX XXXX XXXX Dear Mr. XXXX XXXX : An inexcusable situation has recently occurred with my XXXX card ending in XXXX. I entered the payment protection progam on and discover was inaccurate in their reporting. 
I was under the full impression that while in this program my credit would be protected from negligent reporting to the three credit bureaus, unfortunately for me I had Seven ( 7 ) months in a row of late payments. 
I have attempted to resolve this problem myself, but my attempts have been unsuccessful. Therefore, I trust you will personally and promptly do so for me. 

I have patronized your company for many years. Furthermore, I have promoted my satisfaction to my friends and family, who have then become clients of your company as well. Unfortunately, I felt it necessary that these many customers must also be made aware of the outrageous situation in which I have found myself. 

I expect an immediate and full refund of money discover charged my account while I was in the payment protection program by no later than two weeks from the date of this letter. Until I hear from you with this resolution, I will be forced to continue to dispute these late payments to all three credit bureaus.

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Room XXXX XXXX XXXX XXXX, XXXX XXXX, DC XXXX
Product: Mortgage

I bought a home in XXXX, 2017 and my mortgage with XXXX was bought by Fifth Third Bank Mortgage in Ohio. I have made every payment prior to the due date. I was informed of the transfer of mortgage by way of a bill and called Fifth Third who told me that a Welcome later would come in a few weeks ( not sure why a bill comes before a welcome letter ) and was assured that there would be no issue that I made my payment to the previous mortgage company because federal law gave me 30 days protection. 
I have been proactive and contacted Fifth Third every month and spoke with managers with no avail. I send a letter pleading with the CEO asking for help. I have provided documents, bank statements, copies of checks. My own bank, XXXX XXXX XXXX XXXX has faxed copies of documents verifying. I have followed through and been told they did not receive items. I was told that they called XXXX XXXX and XXXX XXXX has sent everything period. When asked if they have requested a payment history they have not. The payment history clearly shows all payments. I have spoken to more people then I can count and am frustrated beyond belief. Yet bills still come saying I am behind on payments as well as phone calls. I have had to tell my story over and over again. 
I can not fix something for a company I do not work for. They have gone so far as to have their collection department harass me by contacting me via phone ad nauseum while I am trying to work. Please I beg you for assistance to get this matter resolved. I am at a loss of how to fix incompetence for a transfer of a mortgage in which I work for none of the companies but have provided documentation to verify payments made when I had nothing to do with this since it is clearly a servicing transfer issue. But Fifth Third has been very clear that this is in fact MY problem not theirs even though I have sent multiple emails and faxes of documents stating all payments received. To say it is frustrating does not begin to express what I have dealt with. Mistakes happen but the harassment and inability in 4 months to fix this is inexcusable.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit cards ; account opened at XXXX XXXX XXXXXXXX under account number XXXX opened on XXXX XXXX with {$2200.00} as closed balance, XXXX under account number XXXX and opened on XX/XX/XXXX with {$5900.00} as closed balance, XXXX XXXX XXXX under account number XXXX opened on XX/XX/XXXX with {$8500.00} as closed balance, XXXX XXXX XXXX XXXX XXXX under account number XXXX opened on XX/XX/XXXX with {$12000.00} as closed balance, an Auto-Loan with XXXX XXXX XXXX under account number XXXX with {$86000.00} as closed balance . a collection account with XXXX XXXX XXXX which recently appeared on my fico credit report with a said open date of XX/XX/XXXX under account number XXXX with a ridiculous balance of {$33000.00}. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items and inconsistency across all credit bureaus. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are a result of identity theft and fraud. I have attached a copy of a police report with report # XXXX and an FTC Identity Theft Criminal Complaint # XXXX and FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Product: Debt collection

XXXX pulled my credit, file # XXXX according to XXXX XXXX ( the third XXXX ) I did not authorized the credit pull which was done on XX/XX/21 by XXXX with the file # XXXX. 

I have on file with Credit Plus XXXX pieces of ID and a police report stating I am a victim of ID fraud. 

Please remove this inquiry from my credit report.
Product: Payday loan, title loan, or personal loan

I was sent a promotional offer email from Prosper saying if I completed a loan offer before XX/XX/2018 that I would be eligible to receive a {$100.00} VISA giftcard. I  completed my loan offer and the loan was approved on XX/XX/2018. After about 6 weeks, I followed up on two different occasions with Prosper to get the status on the giftcard. They mentioned I was ineligible because I didn't follow a certain " link '' to finish my loan. This should be irrelevant as it was not mentioned in the email that a loan must completed in this manner and I still completed a loan by the deadline. 

I dispute the claim that I am ineligible because I did all things necessary in the instructions. I believe this to be a false advertising scam by the company I am submitting this complaint for them to resolve this matter and send me the {$100.00} giftcard that should have been sent by now
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECKED MY CREDIT REPORT AND FOUND FRAUDULENT ACCOUNTS AND INQUIRIES, I HAVE NOT GAVE ANYONE CONSENT TO USE MY PERSONAL INFORMATION. THE FRAUDULENT ACCOUNT IS XXXX XXXX XXXX XXXXXXXX AND THE FRAUDULENT INQUIRIES ARE ALL OF THEM. FRAUDULENT INQUIRIES ( 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: Debt collection

THESE XXXX COMPANIES ARE TRYING TO COLLECT THIS FRAUDULENT DEBT AT THE SAME TIME. XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX. THE DOCUMENT ATTACHED IS A FTC COMPLAINT FORM LISTING ALL FRAUDULENT COMPANIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes, contacted the agencies, contacted the inquiry companies, sent letters, fraud alerts, was a part of the credit reporting breach, filed ID theft reports, from XXXX XXXX XXXX I have spent over 35 hours emailing calling, reporting, researching and several items are incorrect on my report. Filed police report XXXX dispute charge off remove XXXX XXXX XXXX XXXX in full closed by me, incorrect reporting been closed since XXXX! 
XXXX car XXXX was bankruptcy-disputed These inquiries have been unauthorized and unverified and I want them removed. These inquiries occurred without your knowledge These inquiries occurred without your approval These number of inquiries exceeded what you expected or what I ever applied for Inquiries Transunion- XXXX XX/XX/XXXX NEVER ME!, XXXX  XXXX XX/XX/XXXX Not me! 
XXXX XXXX XXXX  XXXX XX/XX/XXXX NOT ME, XXXX XXXX XXXX XXXX and XXXX XXXX none of these I ever applied for. 
XXXX XXXX XXXX XX/XX/XXXX Never even heard of them!, XXXX spoke with multiple times, and two XXXX XXXX back to back! I have all my dispute info and proof I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore doesn't exists
Product: Money transfer, virtual currency, or money service

I initiated a wire transfer of {$25000.00} on XX/XX/year> from my XXXXXXXX XXXX savings account to my recipient account at XXXX XXXX. Federal tracking number : XXXX. That wire was declined on XX/XX/XXXX by XXXX. Later my recipient checked with XXXX that XXXX needed more information about the sender to deposit the money, and XXXX sent this request multiple times to the intermediate Bank, the Bank of New York Mellon , the latest was on XX/XX/XXXX, via secure message. But XXXX claims that they never heard from XXXX regarding the wire. So New York Mellon failed to forward the message between XXXX and XXXX multiple times. 

On XX/XX/XXXX, I requested the recall of the wire, and finally, my recipient confirmed with XXXX that XXXX wired the fund back on XX/XX/XXXX to the intermediate Bank ( New York Mellon ). The XXXX number is XXXX, and another bank tracking number XXXX provided is XXXX. Meanwhile, the XXXXXXXX XXXX always claimed that they have no single update regarding the recall of wire, as of XX/XX/XXXX, XXXX weeks after the fund was delivered to New York XXXX. I wonder why New York Mellon still has not returned the funds to XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and someone fraudulently opened a credit card account with XXXX XXXX in my name. Account ending in # XXXX opened in XX/XX/2023.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$7200.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I ordered my Annual Credit Reports from the three Credit Reporting Agencies. For as long as there have been Free Annual Credit Reporting Legislation, Equifax continually refuses to send my Annual Credit Report. Year after year I must file a complaint with C.F.P.B. in order to force Equifax to mail my credit report. My last report dated XX/XX/XXXX is well past the XXXX year qualification to request my XXXX credit report. Furthermore, Equifax continues to mail, at the same time as my Annual Credit Report, a change of address letter. The letter always states that my address has changed within the past sixty days. My has not changed in over twenty two years!
Product: Credit reporting, credit repair services, or other personal consumer reports

These aren't my accounts, and I didn't authorize these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX you caused me. My information was also affected by the XXXX AND THE XXXX data breach and may have gotten into the wrong hands.