23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled a copy of my credit report and noticed that the 3 credit agencies aren't reporting a score. this is messing up my ability to get a apartment. Not Reported - Code : 4. this is what shows on all 3 credit reporting agencies.

Also I have disputed address that I have never lived at and they are still being reported. 

I am paying XXXX each month for my credit reporting and score.
Product: Checking or savings account

I called the first time on XX/XX/XXXX as my check usually comes early and again almost every day for over XXXX times and tried online chats as well. Trying to find out where my XXXX XXXX payments went and Chime had it all along, now XXXX  days. They were rude and acted as though they were some kind of gatekeepers and pretending they werent sure who I was. The money was so late my phone was turned off and I have to pay {$270.00} now to XXXX XXXX to get it back on, I was kicked out of my home cause my landlord of XXXX years thought I was lying. ; Plus some Very important things were not taken care of and because of this.. it would he hard to say what monetary damages would be!
Product: Credit card or prepaid card

I purchased a XXXX prepaidi visa card on XX/XX/19 from the local XXXX XXXX, later in the day i open the package containing the card then i logged into their website and verified that the {$220.00} i had just put on the card was there. 

Aproximately an hour or so later i logged back into the site again and it showed a charge for {$220.00} and now a 0 balanced and i had not tried to use the card yet.I contacted XXXX visa and they said they would open a case and block the transaction and then provide me with a refund. 

After doing some research online i see various reports of card being purchased and shortly there after people finding that the money has been completely removed from their recently purchased cards, i also read one ariticle how cards sold in the store are having the packages opened and card numbers writtien down and cvs codes, and then the packages are being resealed with glue gun and showing no signs of every being opened, and unsuspecting consumers purchase this cards and later find out funds have been stolen.
Product: Credit reporting or other personal consumer reports

Experian and Credit Karma have failed is a legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit reports, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, of XXXX, in XXXX, Connecticut, MAKE OATH AND SAY THAT : XXXX. XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, Portfolio Recovery have willfully repeated to damage my consumer credit year in and out for over XXXX years. They have violated many of my consumer rights as well as federal laws and cfpb laws. 
XXXX. XXXX XXXX violated the following Federal laws 12 USC 1431- no bank can loan me anything they are borrowing from me 42 USC 408 -Asking/using my social on any extended credit, pre approval or loans is a federal crime being there is no lawful money. 
UCC 3-104 - Willfully and illegally used my negotiable instrument in the extension of credit to be paid to me. 
15 USC 1602g - I the consumer am really the creditor!
Product: Student loan

I am submitting this on behalf of my husband, and his student loan. XXXX has been XXXX since XXXX, 2015. He is XXXX years old. We are NOT sure when he will be released, but we do know that we will only have XXXX XXXX as our income. When XXXX worked he was the owner of a company that provided XXXX XXXX for XXXX XXXX. He XXXX XXXX XXXX XXXX into XXXX. At one time, he was one of only 37 people who could XXXX XXXX XXXX XXXX. He provided a very important service which allowed many students an opportunity for a XXXX XXXX. What are the options since our combined income will be less than half of what it was? Recently, I have submitted paperwork for the loan to be in forbearance, but I do n't think that can go on much longer. Please let me know our options. NOTE : I am NOT listed on the loan, but I do have Power of Attorney to handle all of XXXX 's accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Equifax on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX to ask that they investigate and provide proof that I authorized several inquiries that are listed on my credit report. To date that have not furnished the proof that I authorized these inquiries because I did not in fact authorize these inquiries. Their failure to abide by the fair credit reporting act is causing my life undue stress.
Product: Payday loan, title loan, or personal loan

Company is not legally licensed to do business in my state. Interest rate not allowed per state usury laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion will not remove a paid collection debt that l had owe from XXXX XXXX., and affillated acceptance co.off my credit report. They told me that they would remove it. also so did so did XXXX XXXX. said they would remove it. after l pay it off.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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
Product: Debt collection

My credit report is showing XXXX XXXX XXXX ( XXXX XXXX XXXX ) is reporting fraudulent information on my credit report. This account is preventing me from fair housing. Why should I be homeless because of this harmful information. The address that they have on file is not my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XX/XX/XXXX Transunion Attn : XXXX XXXX XXXX XXXX XXXX, PA XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with Transunion. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), 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, imprisoned for not more than 2 years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certified Funds to : XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, On XX/XX/2023 I sent certified letters asking the credit reporting agencies to verify inaccuracies on my credit report and send me proof. Over 30 days has past now and these items are still reporting inaccurately on my credit report. How are these accounts verified if the date of last activity, date of last reporting, date of opened and among other things are completely wrong? This is a clear violation of my rights!!! 

The accounts are : XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX The FCRA requires CRAs to take reasonable steps to ensure the accuracy and completeness of the information in consumer credit reports. This includes conducting a reasonable investigation when a consumer disputes information on their credit report. However, in my case, the CRA has failed to properly investigate my dispute and continues to report inaccurate information on my credit report. 

I believe that this constitutes a violation of my rights under the FCRA, and I request that the Consumer Financial Protection Bureau take action to ensure that the CRA corrects the inaccuracies on my credit report and complies with its obligations under the FCRA. 

If the CRA fails to properly investigate a dispute and continues to report inaccurate information, the consumer may have a claim under the FCRA for " negligent reporting. '' In such cases, the consumer may be entitled to damages, including actual and statutory damages, as well as attorney 's fees.

Additionally, if the CRA knowingly or recklessly reports inaccurate information, the consumer may have a claim under the FCRA for " willful noncompliance. '' In such cases, the consumer may be entitled to statutory damages of up to {$1000.00}, as well as attorney 's fees. 



I attached all evidence and supporting documents. Thank you for your attention to this matter. I look forward to your prompt response.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX  XXXX on my behalf informing Exeter and all concerned parties of the check being expressed mailed XX/XX/XXXX and then XXXX mailed on XX/XX/XXXX, due to check originally be sent wrong XXXX XXXX The error was not mine. Yet you are punishing me by applying a XXXX late delinquency to my account. 

I initially spoke with your compony about the loan will be paid off on time with XXXX XXXX - XXXX, on XX/XX/XXXX. On the following dates XX/XX/XXXX, I spoke XXXX and XXXX ; XXXX and XXXX XXXX on XX/XX/XXXX XXXX 

Please correct my account ( XXXX ) to Paid on XXXX and XXXX status.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I made a bank to bank ach transfer in the amount of {$9000.00} from my Huntington bank savings account. The money left the account on the XXXX. 3 days later I go into the bank withdraw remaining balance and closed the account. When my credit union did not receive the money I returned to Huntington to inquire, they told me that the money had been returned and since I had closed the account they resubmitted it. It hasnt been seen since. Huntington bank has been unable to give me any answers as to where it is now or if or when Ill bet it back. The account it was sent to was a verified account also in my name.
Product: Checking or savings account

My Wells Fargo bank account was closed without my authorization or knowledge. I called customer service. I learned that the bank incorrectly identifies me as the beneficiary of the account, not the owner. Based on this, they said they could not discuss the reason for account 's closure with me and told me to resolve in a branch. I then requested the matter be escalated to a manager and asked the rep for her ID number to reference as all parties investigate. She repeatedly refused, providing the name XXXX. I then mentioned rights advocated by CFPB and, after putting me on hold, she then apparently received communications that led to the disclosure of an i.d . number XXXX. I once had a wells fargo mortgage. I once had a visa credit card with them. Both accounts were settled. I kept a checking and savings account open though no activity for a while. The acct was closed, as was my locked/deactivated credit card after balance pay off but I did not request " closure ''. I am however deeply concerned that after all the years I did business with Wells ... they still arbitrarily and incorrectly classified me as the beneficiary, perhaps confusing me with my late mother ( Our names are VASTLY different ) and they refused to be transparent with an ID number.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXXXX/XX/2022 at XXXX XXXX XXXX XXXX  I placed an order ( Order # XXXX ) using my Kohl 's credit card. 
Order was was updated and several items removed by Kohl 's. Order was shipped and delivered on XX/XX/2022. After reviewed of received items, I went to Kohl 's store : XXXX XXXX, XXXX, XXXX, GA on XX/XX/2022 to return all received items. 
XXXX at the store informed me that she could not return the items because my order doesn't appear in her system. She then recommended to call Kohl 's customer service to process my return. 

On the same date of XX/XX/2022, I call Kohl 's customer service toll free line and spoke to a customer service who stated : " We acknowledged your request to return the order and we will process your refund in the next 3 to 5 business days ; However, you do not have to return the items. Please give them to a charity or donation or you can keep them ''. I insisted to return the items and she said she can't take them. So I was really clear that I am not to be charge for any fees. She said that I am safe to give them away. 


A couple months later, on XX/XX/2022 I received a letter from Kohl 's asking for me to make payment of {$100.00}. Which seemed strange when I placed an order of a total of {$51.00} then later adjusted by Kohl 's on the basis that some items " Recently Sold Out ''. So my order total become {$45.00}. 

So I called Kohls customer service and I talked to XXXX ( Employee ID XXXX ) Who stated that no record of my previous discussion were enter for that order and it appears that Kohl 's systems still have me responsible to pay the {$45.00} plus {$100.00} fees. I argued that was not true and they should have record of my previous communication with initial Kohl 's agent. None was found. I then asked to speck to a supervisor : XXXX XXXX XXXX XXXX 
A reference case was established : XXXX where XXXX fully addressed the mater and stated that my account should be cleared from {$140.00} to {$0.00} balance soon. She also heard the situation and also took notes and assured me to reverse all charges. 

Now I am really surprised to see Kohl 's completely HURT my credit score to poor due to their lack of professionalism and amateurism. 

Kohl 's sent false report to Credit bureau accusing me of missing payment when it was never the case.
Product: Debt or credit management

I am not fully sure why i am being charged any of this or why i would have a collection debt
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX Inquiry  Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Product: Credit reporting or other personal consumer reports

I have several hard inquiries that I have not authorized that are on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting the XXXX XXXX XXXX partial account number XXXX on my credit report. ( Please see page attached. ) There is no outstanding balance due. The bureaus removed this account previously and now they are reporting it again. This false reporting is seriously harming my credit score and needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX XXXX several times to fix this however, I have not been successful.
Product: Mortgage

Dear CFPB Representative, I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) regarding a matter involving the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692i, which addresses the venue requirements for legal actions concerning debt collection. I believe this situation may require further investigation to ensure compliance with federal law and consumer protections.

Summary of the Issue I have reason to believe that a debt collection a
gency or third-party collector may have taken or is threatening to take legal action, foreclosure, against me ( or a related party ) in a venue that does not comply with the provisions set forth under 15 U.S.C. 1692i.

As you are aware, this section requires that any legal action on a debt must be brought : 1. In the judicial district or similar legal jurisdiction in which the consumer resides, or 2. In the judicial district or similar legal jurisdiction where the consumer signed the contract underlying the debt.

In my case, the venue in question appears to be inconsistent with these statutory requirements, raising concerns about potential violations of my rights under the FDCPA.

Request for Review and Assistance I respectfully request the CFPBs assistance in reviewing this matter to ensure compliance with 15 U.S.C. 1692i and to protect my rights as a consumer. I ask that the CFPB contact the relevant parties and take appropriate action to enforce the law. 

Additionally, I formally request a copy of the Promissory Note with the original wet signature. 

I also request an investigation into NewRez LLC. They violated my privacy by sending a letter of default to my rental property, where my tenant intercepted the letter. As a result, my tenant has experienced anxiety, fearing they may need to vacate the property. NewRez LLC was never authorized to send correspondence to that address ; I had provided a post office box as my designated mailing address, which they had been using without issue. This recent action appears to be a deliberate intimidation tactic. 

Due to the breach of privacy and the resulting emotional distress, I am seeking compensation for the harm caused by NewRez LLCs actions. Additionally, I am requesting : Set-off of the loan balance, as it is overdue for exoneration. 
Investigation into improper force-placed insurance. 
Recognition of my investment in the property and assertion of my equitable interest. 

Conclusion I appreciate your prompt attention to this matter. Please let me know if further information or documentation is required to assist in your investigation. I look forward to your timely response and a fair resolution. 

I appreciate your attention to this matter. Please let me know if further information or documentation is required to assist in the investigation. I look forward to your prompt response and resolution. 
Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter out XX/XX/XXXX to XXXX, transunion, and XXXX. Here is my complaint id XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. 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.
Product: Money transfer, virtual currency, or money service

Today X/X/2017 i cashed out from the XXXX XXXX app XXXX dollars. It should have been sent to my pnc bank account. It was never received and they XXXX XXXX app is charging my paycheck. I emailed XXXX XXXX customer service, there response was to contact you about my bank
Product: Mortgage

Chase will not provide us with a payoff anywhere near the amount that is actually owed on our mortgage loan taken out in XXXX and assigned to Chase in XXXX. Chase is the lien holder of record at the County where the property is located. Chase keeps stating to contact XXXX for a payoff or a release. We would like to see the assignment and/or servicing agreement that gives XXXX any rights to our mortgage. Our loan taken out in XXXX for {$140000.00}. In XXXX a mortgage in the amount of {$35000.00} was applied to this mortgage. We have on 2 different occasions this year requested the accounting of our loan from Chase. In which Chase still has not provided adequate accounting information to us. Chase filed a Complaint for Foreclosure in XXXX. This property was XXXX in a Chapter XXXX Bankruptcy and the property was surrendered by the Trustee of the Case in XXXX. Chase is stating the payoff is {$150000.00}. We have had the property up for sale and have a contract with the purchase price of {$180000.00}. We have hired an attorney to help negotiate payoff of {$95000.00}. Chase is refusing to negotiate any kind of fair and reasonable payoff.
Product: Credit reporting

My personal information has been exposed on a fraudulent credit reporting site, XXXX.