23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a XXXX XXXX purchase loan. After I applied online, I was immediately told I was denied without any explanation. I have called, and sent dozens of emails with no response whatsoever. After reading the guidelines on the Credit Union website I am aware I am qualified for this purchase. So I believe it is the banks responsibility to contact me and discuss why I would be denied.
Product: Credit reporting or other personal consumer reports

XXXX has run soft credit pulls on my credit without my permission and have allowed other soft pulls that I did not authorize. 

XXXX has XXXX credit matches for credit promotion on my report. 
XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Credit Karma XXXX XXXX
Product: Vehicle loan or lease

I have recieved our monthly statement on XX/XX/XXXX and noticed that there was an extra payment on there that was not made by my husband or myself. I called Citizens One Auto Finance to figure out what happened and why there was an extra payment. When talking to customer service, they informed me that the payment made was on XX/XX/XXXXonline and the card was saved to the account. At this point I asked to speak to a supervisor because I did not approve this payment. The supervisor had helped remove the card while I was on the phone with her. I had asked her what name was on the card and she informed me that it was in my name and appeared to be a debit card. While visiting with her, I had asked for the information on the card ( bank information and the rest of the card number, expiration date ) they would not give me the information because they do not have it. That was the end of the call on this date. I called back the next day and spoke with customer service supervisor again and they had already started doing the reversal payment on the card ending in XXXX ( which I am not the card holder on, nor do I have the card ). I had explained to them that I have the right to this information, especially with the card being in my name and trying to figure out if it is identity theft. I told the supervisor that the only people that have my account information should be my husband, myself and their bank. To make an online payment you need to have the following information : account number and the last 4 of your social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found inquiries on my credit report that do not belong to me.
Product: Credit reporting or other personal consumer reports

am filing this complaint against XXXX XXXX XXXX regarding inaccuracies in the reporting of a charged-off account ( [ Account Number : XXXX ] ) on my credit file. The account is reported as charged off with a balance of {$2100.00}, and there are significant discrepancies in the high balance history. 

Details of the Dispute : Charge-Off : The account is listed as charged off with a balance of {$2100.00}. 
I requested validation of the charge-off, including a breakdown of fees, payments, and account history, but no documentation was provided. 
Balance Discrepancies : The high balance history on the account shows inconsistencies, particularly between XX/XX/XXXX and XX/XX/XXXX, which I believe are inaccurate. 
I requested clarification and detailed records explaining these discrepancies, but XXXX XXXX XXXX has not responded. 
Violation of Consumer Laws : Under 15 U.S.C. 1681i ( a ), I have the right to dispute incomplete or inaccurate information, and the furnisher is required to conduct a reinvestigation.

Under 15 U.S.C. 1666, creditors must resolve billing errors and provide a full explanation of any discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, AND XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from. my credit reports. List all those negative accounts from your Equifax credit reports. Account names and account numbers and file Your complaint with the CFPB Collection is XXXX XXXX XXXX REMOVE IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my identity information was stolen through a breach of security on part of Equifax Inc. Their new website, www.equifaxsecurity2017.com, reports that " based on the information provided, we believe that your personal information may have been impacted by this incident. ''
Product: Credit reporting or other personal consumer reports

This complaint is being filed to escalate the unresolved issues from Complaint # 2 regarding XXXX Banks continued negligent reporting of a fraudulent account, despite having been informed of the fraud and deletion in Complaint # 1. Additional evidence uncovered during my investigation shows re-aging and XXXX failure to update my credit reports in line with the fraud confirmed by XXXX XXXX XXXX. 

Key Issues : 1. Re-aging of the Account : After further investigation, the XX/XX/XXXX XXXX credit report ( attached ) shows that re-aging has occurred, with late payments, delinquency entries, and charge-offs extending into XXXX XXXX XXXX despite the accounts original charge-off in XX/XX/XXXX. 

XXXX  response to Complaint # 1 incorrectly asserted there was no re-aging, which this report directly contradicts. 



2. Failure to Act After Being Informed of XXXX Deletion : XXXX XXXX  was informed in Complaint # 1 that XXXX XXXX XXXX deleted the account in XX/XX/XXXX, and they were provided proof of this deletion in Complaint # 2. However, they have failed to act on this information and have continued to report the account as delinquent, causing ongoing financial harm. 



3. Negligence in Addressing Key Evidence : XXXX failure to address critical evidence in their response, including the FTC Identity Theft Reports and my hospice certification, shows a pattern of negligence in their investigation process. 

Despite being presented with this evidence in Complaint # XXXX, the account continues to report inaccurately, causing ongoing harm.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX - XXXX XXXX - XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I originally borrowed $ XXXX to pay for my XXXX degree at XXXX University. I have made payments in the amount of $ XXXX but none of the payments have reflected in my principle balance. I had applied for a loan consolidation to see if I qualified for a lower monthly payment but I never approved the consolidation, I was waiting to see if the repayment options would be beneficial but they are not. Without approving the loan I know owe $ XXXX which is almost double my loan amount. The new terms of the loan call for me to make $ XXXX monthly payments for 30 years. That 's an insane amount of $ XXXX on a loan of $ XXXX that I 've already paid $ XXXX on. How do they get away with charging me 6 times my original loan amount?
Product: Credit reporting or other personal consumer reports

Under 15 U.S.C 1681a,1, a the credit bureau is required to conduct a reasonable investigation and U.S.C1681b which requires accurate and verifiable information and written consent from me. Please DELETE XXXX XXXX XXXX MY CREDIT FILE. This company states they sold my information to a third party without my consent and XXXX SAID VERIFIED. This is Illegal.
Product: Debt collection

Re : Case No XXXX in the Superior Court oXXXX XXXX XXXX Re : Attached Notice of Debtor Letters : Creditor Name : Wilmington Savings Fund Society , FSB, XXXX " WSFS '' XXXX Creditor Address : XXXX XXXX XXXX, FL XXXX Creditor Attorney : XXXX, XXXX XXXX XXXX, XXXX Attorney Address : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, NJ XXXX XXXX : Attached Exemplified Affidavit from the XXXX XXXX XXXX XXXX XXXX in the Superior Court of XXXX XXXX Plaintiff : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  not in its Individual Capacity but Solely as Trustee for the XXXX XXXX XXXX XXXX, XXXX " XXXX '' XXXX Attorneys for Plaintiff : XXXX, XXXX XXXX XXXX, XXXX Attorney Address : XXXX Route XXXX, XXXX XXXX XXXX XXXX, NJ XXXX XXXX : Attached XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Services Invoice submitted as Exhibit Y in Case No. XXXX Client : XXXX XXXX XXXX, XXXX " XXXX '' XXXX Client No : XXXX Account # XXXX Re : Attached SEC Response XXXX " Our records do not contain any information regarding XXXX XXXX XXXX XXXX. '' Dear CFPB, We are reaching out for your agency for assistance with obtaining proof of debt and proof of claim from XXXX, and/or XXXX, and/or XXXX. 

Apparently, three parties are now alleging a claim Case No. XXXX in the XXXX XXXX of New Jersey ... .WSFS pursuant to the Notice Of Debtor Letters, XXXX XXXX to the exemplified affidavit and Prime pursuant to the XX/XX/2021 Professional Services by attorneys at the Law Firm of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 

We dispute that any of the foregoing parties, WSFS, XXXX or XXXX have a valid claim and demand strict proof thereof. 

Thank you for your assistance in ensuring that a verified proof of claim/proof of debt is provided, absent which the foregoing three parties and their attorneys are hereby directed to withdrawn and dismiss Case No. XXXX in the Superior Court of XXXX XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
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 proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions XXXX  have caused significant inconvenience and financial loss, and | seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic 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 experience, 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. 

Experian has issued conflicting and misleading dispute results, violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). 
Discrepancies in Dispute Results I have filed the following disputes regarding this account : XXXX. XXXX ( XX/XX/year> ) Marked as verified and updated, despite no evidence being provided to substantiate the accounts validity. 
XXXX. XXXX ( XX/XX/year> ) Also marked asverified and updated, with no explanation of how the investigation was conducted. 
XXXX. XXXX ( XX/XX/year> ) Markedverified and updated, and disputed item not listed on credit report, despite the account being present on my credit report before and after this dispute. 
XXXX. XXXX ( XX/XX/year> ) Similarly markedverified and updated, and disputed item not listed on credit report, yet the account remains on my credit report to this day. 
The reports for XXXX and XXXX clearly state that the disputed item was not listed on credit report, which is demonstrably FALSE. This account has never been removed and continues to negatively affect my credit report, making Experians response both inaccurate, misleading and causing ongoing distress. 

Misrepresentation in Dispute Results : Reporting that the disputed items were not listed while it remains on my credit report violates the XXXX prohibition on unfair and deceptive practices.
Product: Credit reporting or other personal consumer reports

I did not authorize these companies to run my credit report, it is affecting my credit score. Can you please remove ASAP. 

XXXX XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Contract XXXX ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Home shopping ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX  XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Bank XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I'm XXXX XXXX. I plan on getting married soon and my beautiful fiance ' pull my credit report. And to my unpleasant surprise, there are accounts/collection/inquiries listed on my reports that i have not a clue about. Please assist me in removing these items from my report as they are results of identity theft. 
Best Regards.
Product: Credit reporting or other personal consumer reports

s per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 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 have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to1022.142 ( b ) ( 6 ).
Product: Mortgage

Hello, Back in XXXX  when I closed on my home i was told i only needed to put down 15 % but then days before closing they forced me to put down 25 % in a days notice. I was very overwhelmed and had to borrow money from family in order to close on the home ( which to this day I am still unsure why they needed 25 % ). It was unclear and Im still left confused. My monthly mortgage was also not lowered by any amount, even though I put about {$26000.00} more down. My friend who is a financial lawyer informed me to contact CFPB about this. Not only that, Chase made me pay a ton of money for their lender placed insurance which was their fault completely. I was attempting to get my own cheaper insurance but needed the Declaration page of their insurance in order to get my own. I ended up paying over a XXXX dollars to Chase for their own lender placed insurance which felt like entrapment. I have attached all emails below :
Product: Credit card or prepaid card

I have been in USA two times as XXXX XXXX ( summer work and travel program ) .My first trip was from XX/XX/XXXX till XXXX XXXX.During first trip I opened XXXX XXXX XXXX checking account and close it right before I left a country at XXXX XXXX.Second trip was from XX/XX/XXXX till XXXX XXXX.During second trip I opened a XXXX XXXX checking account and close it right before I left a country at XXXX XXXX.From XX/XX/XXXX till XX/XX/XXXX I lived in XXXX. When I came into the USA at XX/XX/XXXX I went to XXXX XXXX bank to renew/reopen my checking account. The banking clerk told me that she cant open for me regular account because of my bad credit history, she opened for my opportunity ( limited ) checking account and suggest to check all my information within credit bureaus. I was shocked because I have never applied for any credit lines/loans/credit cards in the Unites States until XX/XX/XXXX. After a few months, I found out information about credit reports/score/credit history. I log in to XXXX and XXXX XXXX to check information under my SSN and find out numerous accounts under my name which was opened when I even didnt have a visa to the USA. Those accounts were opened within XXXX years when I lived in XXXX and dont even think about the USA. So, this complaint is about Citi bank account ending XXXX which was open ( according to XXXX credit report ) XX/XX/XXXX with a credit limit XXXX $ and current balance XXXX $ ( XXXX ). I have never applied for XXXX XXXX XXXX XXXX XXXX received and never use ANY of CITI credit cards. I physically lived in XXXX-it 's no way for me to used this card.
Product: Debt collection

I received correspondence about a debt that was not mine on XX/XX/2021. 
Linebarger Goggan Blair and Sampson, LLP stated that I owed a debt and used language that was oppressive and abusive in this correspondence. 
On XX/XX/2021, I sent correspondence to Linebarger Goggan Blair and Sampson, LLP which included : - an affidavit or truth - cease and desist - debt validation letter - invoice for {$5000.00} for violating my rights under the FDCPA. 
15 usc 1692e ( 3 ) for false and misleading representation. 
15 usc 1692e ( 5 ) for false and misleading representation. 
15 usc 1692e ( 9 ) for false and misleading representation. 
15 usc 1692d ( 2 ) x 2 for using obscene and profane language with the intent to abuse and harass me Linebarger Goggan Blair and Sampson, LLP received my correspondence on XX/XX/2021. 
Linebarger Goggan Blair and Sampson, LLP responded to my correspondence on XX/XX/2021 by providing false and misleading documents and stating that the FDCPA did not apply to them. 
I responded to their correspondence on XX/XX/2021 with documentation proving that Linebarger Goggan Blair and Sampson, LLP was not exempt from the FDCPA like they alleged and stated that by them not rebutting my affidavit of truth with an affidavit of the truth of their own, they defaulted. 
I gave Linebarger Goggan Blair and Sampson, LLP an opportunity to cure by -honoring cease and desist -paying the original {$5000.00} invoice -XXXX  the balance of the alleged debt -deletion of alleged debt from all consumer files -a written apology On XX/XX/2021 at XXXX I received harassing and abusive communication that went on for 7 minutes and 30 seconds from the office of Linebarger Goggan Blair and Sampson, LLP . 
On XX/XX/2021, I sent an Linebarger Goggan Blair and Sampson, LLP correspondence that included : - a notarized affidavit of truth - cease and desist - invoice for {$30000.00} for violating my rights under the FDCPA - 15 usc 1692c ( c ) - {$1000.00} for violating cease and desist 15 usc 1692c ( c ) - 15 usc 1692d ( 5 ) - {$1000.00} for causing my phone to ring - 15 usc 1692c ( 1 ) - {$1000.00} for communicating with me at a time that was inconvenient - 15 usc 1692c ( 3 ) - {$1000.00} for communicating with me without the permission of my employer - 15 usc 1692e ( 5 ) - {$1000.00} for stating that communication is from an attorney - 15 usc 1692d ( 2 ) - {$1000.00} for using obscene, abusive and harassing language - 15 usc 1692d ( 5 ) - {$1000.00} for engaging in continuous phone conversations with the intent to harass, abuse and annoy me - {$23000.00} for the XXXX  that was caused by abusive debt collection practices.