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

Dear XXXX, Equifax, and XXXX, I hope this message finds you well. I am writing to follow up on previous disputes I've submitted regarding inaccurate information on my credit report. Enclosed are copies of the letters sent for your reference. 

I previously submitted disputes for several items on my credit report that I believe to be inaccurate. These disputes were submitted to you over 60 days ago, outlining specific accounts and detailing the violations of my consumer rights due to inaccurate reporting. 

Despite the stipulated period under the Fair Credit Reporting Act ( FCRA ) requiring an investigation and response within 30 days, I have not received any communication or resolution regarding these disputes. 

As a consumer, I am concerned about the accuracy and fairness of my credit report. The lack of response is causing undue distress and affecting my financial well-being. 

I kindly request an immediate and thorough investigation into the disputes I've raised. It's essential to rectify these inaccuracies promptly to ensure the integrity of my credit report. 

I urge you to provide a detailed update on the status of these disputes and a resolution plan at your earliest convenience. Your prompt attention to this matter is greatly appreciated. 

Thank you for your immediate action on this pressing issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint with all 3 credit bureaus ( XXXX, Equifax, XXXX ). The current companies are not complying with their own policies in a timely matter. I have reached out to them in regard to unauthorized inquiries on my account and it has been more than 30 days and i have not had any updates.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally complain about unauthorized credit inquiries that appear on my credit report. My name is XXXX XXXX XXXX, and upon reviewing my credit report from XXXX, I have identified several credit inquiries that I did not authorize, which have negatively impacted my credit score. I am concerned about the potential for identity theft or fraud. 

Here are the details of the unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> I did not initiate these inquiries and I have no relationship with the entities listed that would justify these hard pulls on my credit. 

I have already contacted XXXX to dispute these inquiries ; however, I am filing this complaint with the CFPB to seek your assistance in ensuring these fraudulent inquiries are investigated and removed from my credit report as soon as possible. 


I am requesting that the CFPB assist by ensuring that these inquiries are removed from my credit report and that any necessary actions are taken to prevent further unauthorized activity on my credit profile. 

Thank you for your attention to this urgent matter. I am looking forward to your prompt response and assistance. 

Sincerely,
Product: Credit reporting or other personal consumer reports

A few accounts are reporting inaccurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also multiple fraudulent inquires
Product: Debt collection

On XX/XX/year> I opened a dispute against Jefferson Capital System regarding a debt in the amount of {$1200.00}. I disputed this debt as not mine/no acknowledgment. I also asked for additional information and documentation to verify this debt, as it has been removed and placed back on my credit twice, and with DIFFERENT dates. When I requested documentation, I received no response or follow up to my inquiry. I do not have business with this company and do not owe ANY debt.
Product: Mortgage

I applied for a XXXX Mortgage XXXX with Rocket Mortgage in XX/XX/2021. The Lender Representative whom I initially spoke to via mobile telephone told me that when I qualified for their Mortgage Refinancing that I would also get a Cash Out for approximately Seventy-Nine Thousand Dollars. He also told me that I would have to put down Five Hundred Dollars to keep the Two Point Five Percent ( 2.5 % ) Interest Rate but he never mentioned that my down payment will not be reimbursed if the Assessor does not find my house meet Rocket Mortgage requirements regarding the value of my real estate property. Also, Rocket Mortgage sent a Deposit Agreement with a counterfeit signature of my name after the fact that I verbally notified XXXX XXXX XXXX, Executive Resolution Advocate, from Rocket Mortgage, that I was cancelling my Refinance Mortgage Application. I was misled by Rocket Mortgage by denying to reimburse my {$500.00} ( Five Hundred Dollar ) deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were negative accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these negative, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written XXXX, XXXX, and TransUnion several times with proof showing that the inaccuracies they are reporting on my credit files are inaccurate. They will not investigate and they will not delete them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached For this Complaint >>XXXX XXXX Let for this complaint >>Transunion XXXX let for this complaint >>XXXX XXXX Let for this complaint >>Proof of Residence Bill >>Proof of identification >>Note anything titled with 2023 are letters that have been submitted with previous complaints
Product: Checking or savings account

I have accounts with several banks and credit unions. All banks and credit unions provided my tax documents electronically ( usually a downloadable document from their website ). This is true for various tax documents ( XXXX, XXXX, XXXX, etc. ). The Navy Federal Credit Union, however, does not provide an electronic copy on their website. 

I called to ask for the electronic copy, but the customer service manager responded that the Navy Federal Credit Union only sends paper versions by mail. I explained that every other financial institution provided electronic copies, which should be standard after the pandemic started 10 months ago. The Navy Federal Credit Union refused. 

I explained that every other business has adopted to operating during the pandemic by providing documents electronically and that I would need the electronic copy to respond to requests by the IRS by email. This is quite frustrating and antiquated. 

Does the CFPB provide guidance to financial institutions for providing electronic copies of documents, especially during the pandemic? Thanks very much.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting 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 am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : XXXX Account Number : XXXX Balance : {$300.00} XXXX Account Number : XXXX Balance : {$0.00} XXXX Account Number : XXXX Balance : {$0.00} XXXX  Account Number : XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I'm here to explain about my concerns in Zelle 's Disputes, As We all are seeing CFPB lawsuit is highlting issues with the platform. Zelle and my financial institution both failed to even look into my claims. Most definitely they did inform me by letting know that recovering lost funds was unable to happen and tracking the transactions were unfeasible. Also to mention is this lack of accountability is unacceptable in serious mind of customer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  account # XXXX and account # XXXX, XXXX account # XXXX, XXXX XXXX/XXXX  account # XXXX, XXXX/XXXX  XXXX/XXXX  account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX. account # XXXX has violated my rights. 

15 U. S. C. 1681 Section 602 A States I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 166 b States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called each Bureau numerous times to correct my name and address.They are reporting my name incorrectly also my address. My names has the incorrect spelling. They have address I have never lived. I asked to just update with current address and delete those that I have never resided and nothing happened. I called and sent in letters. I have also sent in XXXX letters requesting accounts to be verified and they mail me back a report stating updated. I requested each bureau proof on paper to be mailed to me of each account showing to be verified and updated. If they can not provide that proof they should delete it immediately. All this is what i sent in my XXXX letter. I received no verification from any account. I want all to be deleted and my name and address to be correct. This is taking a toll on my financial situation. I want what belongs to me and everything that is not mine to be deleted. I want accuracy. I am fighting for my report to be correct and they are ignoring me. I want proof of every account they have, that is supposedly mine. I want my name to be correctly spelled. i want my address to be correct and every address not mine gone. I want the correct social security number on there. I just want accuracy.
Product: Credit card or prepaid card

Discover card disputed my claim wrongfully and will not take ownership of their mistake. Claim was submitted as Services not rendered instead of Services not as described, in the financial world this makes a huge difference on claims because it is two different reasons however discover states this would have had no effect on my case which is a lie also claimed the reason codes are the same for these reasons and that is also a lie. Attempted to speak to a supervisor but they just declined my claim and charged the fee back.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I noticed that there are two late payments recorded for an account on which I have never been late. Consumer Reporting Agencies play a crucial role and have a responsibility to report consumer information with maximum accuracy. I have always made timely payments for the account [ XXXX ] : [ XXXX ] Please investigate this matter and provide statements proving these payments were late. If proof can not be provided, I request that these payments be updated to reflect their accurate, on-time status as I was never late. 

Thank you
Product: Debt collection

I previously put in COMPLAINT on Eastern Account Systems. I told them the account they have ILLEGALLY put on my credit is NOT MINES. I provided an identity theft report and a note to furnisher since i NEVER received documentation of this alleged debt. The responded and stated i needed to contact WOW and complete an identity theft report with them and file a report with the police. I contacted wow and they could not pull me up because the debt was sold to EAS so they can no longer complete an identity theft report. I tried to call EAS to do the dispute with them but i do not feel comfortable giving y information for a debt that is not mines. I do not have an account number for this alleged debt or address. My address is XXXX XXXX XXXX XXXX, AL XXXX. I've STAYED HERE FOR OVER 5 YEARS. I was told a letter was sent to me about the debt, but i have never received a letter, EVER. I am attaching the identity theft report again and the police report i had the XXXX police waste their time completing. THE WOW ACCOUNT DOES NOT BELONG TO ME. Where i stay WOW is not even a service provider.
Product: Checking or savings account

I own a checking and savings account with Arvest Bank ; on XX/XX/XXXX, I completed an ACH transfer from my debit card NOT affiliated with Arvest bank to my savings account for XXXX. Arvest took it upon themselves to take another XXXX off my card the same day which I did not authorized and tried consoling with them, they insisted they only took one payment no other receipts to give me and advised me that I also deposited XXXX on XXXX, XXXX which had NOTHING to do with my transaction. My debit card which is with XXXX XXXX advised this is a dispute but call hold times are running out two hours. I am very concerned about fraud taken place at this bank as the bank manager threatened to close my bank down for taking my money from saving and checking 's as I had mentioned this is very uncomfortable to me as a consumer. She threatened for me to calm down or she refused to assist to give me my money from my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 

I am writing yet again very flustered and disappointed in the responses I have received. I would like to advise on XX/XX/XXXX by Equifax by way of CFPB that my concerns were being addressed and I could expect to receive correspondence in the mail. Today is XX/XX/XXXX and I have yet to receive any responses in the mail outlining my concerns. 

I have attached a copy of my prior submission that was ignored and closed out without resolve. In addition to the violations outlined and recompense requested via affidavit Equifax failed to respond to me in the form of an affidavit which is required therefore another violation. My request is that this invoice be paid immediately by Equifax to avoid any further escalation. I'm fully aware of my rights and violations as outlined and ignored. I'm requesting that Equifax take ownership and complete request to avoid litigation. Check can be submitted to the mailing address. All documentation has been provided in the attached which confirms my mailing address ( utility bill ) as well as the XXXX which confirms the social security number. 

Please stop with the stalling tactics and rectify your wrongdoings. The affidavit of truth is fully notarized and unless response is received addressing each fact, I expect to receive the requested amount for satisfaction of violation. 

Equifax is now civilly liable to pay me for damages.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : 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 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
Product: Checking or savings account

The bank had decided to end the relationship and close my account more than 3 months ago and has not send the funds in the account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is reported with inaccuracies. I sent Transunion a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my report. They did not provide proof that this account is mine. Transunion did an improper investigation. 

According to the Fair Credit Report ( Act Account # Not disclosed on my report ) violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 



XXXX XXXX XXXX Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 7 mos ) Account status Open Type -- Responsibility Joint Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Due to some uncontrollable circumstances, I had some late payments with this company. This was a very unfortunate time in my life. I have always been a loyal customer. Even after this debt, I paid off the account. the account shows on my credit report and it is paid, however I would like for BMW to remove this completely from my credit report as a 1 time courtesy for a loyal customer who paid his debt.
Product: Debt collection

Recently, XXXX XXXX XXXX  has been contacting me through Advanced Portfolio Group LLC. Firstly, they left me voicemails that do not identify themselves as debt collectors and just say that we need to urgently speak. Secondly, I have asked them for proof of a debt owed and what the debt is for multiple times via phone and email, but they just say that I need to pay the debt or that I can get a good deal. However, they are not telling me what product/ service I supposedly owe debt for. I have also told them if they show me specifically what I have not paid, then I will of course be open-minded to working out a payment, but I will not do that until I know what the alleged debt is for.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my secondary request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX Balance XXXX {$77.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXXXXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX. XXXX XXXX account ending in XXXX, which was charged off. 

XXXX. XXXX XXXX account ending in XXXX, which was also charged off. 

XXXX. XXXX account from XXXX XXXX XXXX ending in XXXX. 

XXXX. Collection account from XXXX XXXX XXXX  XXXX XXXX A ending in XXXX. 

XXXX. Collection account from XXXX XXXX  ending in XXXX. 

XXXX. Charge off account from XXXX XXXX XXXX XXXX. 

XXXX. Charge off account from XXXX ending in XXXX. 

XXXX. Inquiries from XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 

I believe these items are inaccurate and not reported in compliance with the Fair Credit Reporting Act ( FCRA ). As per the FCRA, credit reporting agencies are required to report accurate information and conduct reasonable investigations into any disputed items. 


I am disputing the accuracy of the aforementioned accounts as I have reason to believe that the accounts were not reported accurately. I have never held accounts with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX BXXXXnk XXXX XXXX XXXX, XXXX Bank, XXXX XXXX XXXX. Furthermore, I did not authorize XXXX XXXX to conduct an inquiry into my credit report on the dates mentioned. 

I request that you conduct a thorough investigation of these accounts and remove them from my credit report if they are found to be inaccurate. I also request that you provide me with a free copy of my credit report once the investigation is complete. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

My discover card is charging me interest at a point that is unaffordable. 
Id life to pay the card off to get rid of it, and have tried, but no matter how large a payment I make, the interest they charge is sickening. 
Ive been with them since 2008. Ive always paid on time. I am now down to minimum payments because I cant afford their interest. I complained to them and they told me too bad to put it simply. This company is horrible. I refuse to make lump payments as its mostly interest. I cant afford the pay off amount yet of just under {$9000.00}. This is just wrong as Ive been with them for so long and have since then cut my card to shreds. 
I cant pay off half the amount unless in want to pay {$7000.00} due to interest and then another {$7000.00} to pay the card off. 
This company is a scam. Id never have signed up for this had I known they were such liars and crooks.
Product: Checking or savings account

The scam occurred through a phone call where the scammers falsely claimed to be from the US Marshal 's Investigation. They alleged that a package containing illegal substances and identification cards had been discovered in the state of Texas, implicating me. I fell victim to their manipulation and was deceived into thinking that I was in trouble. Believing the scammers to be government officials, I was coerced and threatened to follow their instructions, which involved withdrawing money in cash from my bank account from Wells Fargo and transferring it to a third-party kiosk and cryptocurrency ( bitcoin ) while maintaining secrecy. 

Upon realizing that I had been scammed and lost all of my hard-earned money, I immediately contacted my local police and was told that the FBI have received this report. Unfortunately, the officer from the XXXX State Police informed me that it was highly unlikely that I would be able to recover my funds. Furthermore, my claim to the bank was denied, and I faced the harsh reality that such scams commonly target elderly individuals. I have learned a valuable lesson from this experience and now understand the importance of being extra vigilant. It has also become apparent that people can unknowingly fall prey to scams due to their lack of awareness.