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

XXXX XXXX, # XXXX, XX/XX/XXXX, This CFPB complain has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX, Equifax, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of addresses on XXXX XXXX XXXX XXXX, GA XXXX, employment at XXXX XXXX  on XXXX, employment at XXXX XXXX on XXXX, loan at XXXX XXXX XXXX  opened on XX/XX/XXXX under the account number # XXXX, credit card at XXXX XXXX opened on XX/XX/XXXX, under account number # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXX/XX/XXXX, under the account number # XXXX, loan at XXXX XXXX XXXX opened on XX/XX/XXXX, under the account number # XXXX, credit card at XXXX XXXX opened on XX/XX/XXXX, under the account number XXXX XXXX  auto loan at XXXX XXXX XXXX opened on XX/XX/XXXX, under the account number # XXXX credit card at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, under the account number # XXXX, account at XXXX XXXX XXXX opened on XX/XX/XXXX, under the account number # XXXX. These accounts have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned addresses, employment, accounts, collections or hard inquires as reported. The aforementioned addresses, accounts, employment, inquires and collections on my consumer credit report maintained by you were not opened, or made or initiated by me. All of the aforementioned addresses, employment, accounts and collection are a result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Affidavit Criminal Complaint case number # XXXX, # XXXX, # XXXX, as proof from the US Federal Trade Commission that all that aforementioned consumer credit addresses, accounts and collections are identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

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 Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Education loan shown on credit was fraud. The school was a fraud and education credentials were not honored. Numerous attempts to remove from credit report. Unfair XXXXXXXX XXXX reporting as well.
Product: Debt or credit management

okay I had a charge taken out of my account and the transaction was, Bright Money, Membership, XXXX I did NOT sign up for any kind of membership with them. I tried contacting them on the phone and TWO times after hearing that I was trying to dispute the transaction the person on the other end of the phone starts saying they can't hear me and will hang up in 30 seconds if nothing is said.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX on Transunion and account # XXXX on XXXX ( different account numbers ), XXXX XXXX Account # XXXX, XXXX account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate personal information currently being reported in my consumer file, as provided by your agency. Upon reviewing my credit report from annualcreditreport.com, I identified erroneous details that are incorrect and not a reflection of my personal history.

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and my rights under the Privacy Act of 1974 ( 5 U.S.C. 552a ), I am asserting my right to challenge and dispute the inclusion of inaccurate or unauthorized information in my records. These laws protect my personal data and ensure its accuracy, relevance, and lawful use. 

The specific inaccuracies I found on my report include : Address- XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX. That is a non-mailable address Correction : My accurate and current address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I do not authorize you to retain or report any unverified, incomplete, or incorrect address information that does not align with this. 

REMOVE the display reported XXXX of as my REQUISITE REPORTED CURRENT CORRECT COMPLETE. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. 



I have attached documentation supporting the accuracy of the corrections requested, including a copy of my identification, proof of address, and any additional required documents. 

Under the FCRA, you are required to investigate these discrepancies within 30 days of receiving this letter. If the disputed information can not be verified, it must be promptly corrected or removed. Additionally, under the Privacy Act of 1974, I have the right to ensure my personal information is accurate, relevant, and lawfully maintained by federal and private entities. 

Once your investigation is complete, please provide me with a corrected copy of my credit report reflecting these updates. If the investigation determines that the information is accurate, I request a detailed explanation of your findings and the supporting evidence used. 

Protecting the accuracy and integrity of my credit report is of utmost importance to me. Thank you for your prompt attention to this matter. Please respond in writing with the outcome of your investigation. 

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

I have recently obtained a copy of my credit report and Ive noticed inaccurate information being reported. I have been wrongfully denied credit recently because of those mistakes which are either from your company or the reporting creditors part. This is a formal complaint and request to investigate the following item : XXXX XXXXXXXX XXXX reporting as XXXX late payment. This is false. I reached out to them via phone and nobody was able to help me. I am requesting for this to be corrected. I have never missed a payment or have been late and this is impacting my score negatively. 

As per the law, I understand that your bureau has to investigate the disputed accounts and respond to me via mail within 30 days otherwise the items have to be corrected. 
Upon completion of your investigation, I am requesting that you please send a detailed description of the procedures used to determine the validity and accuracy of the account ( s ) I am disputing as well as the name and contact information of the agent conducting the said investigation for further communication if needed. 


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

In XXXX XXXX I was looking into buying a home and my broker asked me to run my credit to get my score. I went to Experian and paid {$24.00} to run my credit once and they provided it. I just noticed 10 months later than they have been billing me for an automatic premium subscription that I never knew about and did not authorize. They have billed me almost {$300.00} and when I asked them they said they would not refund me the money because it was in their terms and conditions. XXXX XXXX XXXX also will not consider this fraud and they refuse to refund me the money either as they don't consider it fraud because I requested the service.
Product: Credit reporting or other personal consumer reports

What happened This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan opened at XXXX XXXX on XX/XX/XXXX under account number ( private ), and an auto loan opened at XXXXXXXX XXXX XXXXXXXX opened on XX/XX/XXXX under the account number ( private ). 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. Further these accounts are now considered in litigation. 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. Hard Inquirers : 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: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting Act XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the fair Credit Reporting Act XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I used XXXX transferred XXXX 2022 for purchase of item, however was a scam. Reported issue to Bank of America and was told nothing could be done and money loss
Product: Consumer Loan

I left my job in XXXX and had some financial issues as I searched for work. Santander Consumer USA entered into an agreement with me to extend payment on my account, retroactively, that XXXX. They extended the XXXX payment to XXXX XXXX. T I agreed solely because they indicated it would be an extension that would avoid my having a delinquency on my credit report. 
As you can see from the agreement, it states nowhere that it would not apply to credit reporting and I was n't told it would not, quite the opposite as I recall. 
I never would have bothered to obtain a retroactive extension if it were not to preserve my credit. 
I spoke with Santander today and they were unreasonable as well as abusive. First. they denied the agreement existed. As you can see from the attached agreement, it existed together with a digital time and date stamp demonstrating when it was entered into. 
Notwithstanding, they then agree I never executed the contract. this was also false as I did so through the application they sent me to sign through which automatically provided them with the agreement upon signature. 
Then I spoke to a supervisor, XXXX, who did not dispute the existence of the agreement, but claimed the extension did not apply to credit reporting. When I told him that the written agreement said no such thing, specifically or generally speaking, and no agent said anything of the sort, he told me it was my responsibility under the FCRA to pay on time. After I told him that was not the point or the law the we were talking about, since they had a contract with me and we were discussing their not living up to their side of the contract, he told me to " Stop playing like you 're the victim! '' and " You are blaming us for everything and do n't think anything is your fault. '' He later alleged that I was accusing Santander of " predatory lending '' and was wrong in stating that the terms of our agreement are construed to favor me here because there is ambiguity and they wrote the contract. He called me litigious and when I told him I had said nothing regarding litigation he became irate and he hung up on me. 

I do n't deserve to be treated by a lender of any kind disrespectfully and I certainly do n't deserve to be spoken to abusively. I was never talking of litigation with the man and only was pointing out what the law is and has been regarding contracts with ambiguous terms through out the country for a long time. Now what I do believe is significant to note is that Santander is the largest lender in the US currently for sub-prime loans of this sort. If any company were to have a motive to keep their customers from improving their credit, its this one that stands to watch customers leave once they can get new loans due to improved credit. I believe you should investigate whether the large number of reports of sub-prime consumers all over the internet facing similar difficulties with Santander is the result of a company policy favoring unyielding credit reporting decisions.
Product: Vehicle loan or lease

XX/XX/2022 Always every day! Been going on for 20plus years. No XXXX or CFPB has ever made Heritable accountable for their actions. 

Management trains employees to hide documents that would otherwise print off during a legal court proceeding. 

Management requests employees email when they need account notes deleted. Examples would be. Notes documented during a call with a customer. But management doesnt want those notes seen for possible legal action. 

Management trains employees to cut off the date listed on any authorization sheet the customer gave Heritage a signature on. 
Prior to sending for proof of verification. 

Examples : To verify information such as Employment, rental information. Mortgage information. Utility verification. On any customer. 
Management is vindictive. She picks and chooses what customers can pay to avoid garnished. And what customers get garnished even if they are paying. If management is having a bad day. That. Bad day is then taken out on the customers. And there account. Some customers get promo offers. And others are denied promo offers. On any same given day. No consistency, or fairness taken place behind Heritages doors. This company needs looked into. 

This company has proven to be unlawful unhealthy Undo stress to me and Many others others unwelcome in the work place behavior They have many dark scandalous Skeletons in the company closet!
Product: Mortgage

Mr cooper mortage company send 3 separate payments to two homeowners insurance companies, totalling close to $ XXXX.my home owners insurance annual rate is XXXX i called mr cooper weekly requesting don't send any payments out, I paid XX/XX/XXXX to fl family insurance my request was ignored, this increased my escrow payments, making my mortage XXXX more monthly, i feel it was intentional. they continue to bombard me about refinancing my loan, i pay my mortgage via the automated telephone # I'm still charged XXXX monthly fee.this fee was paid for ther past two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 at XXXX XXXX, I called Experian at XXXX to file 3 separate disputes with regards to incorrect information on my report. After explaining the information to the representative, the representative refused to take the report as the representative stated that they are not allowed to dispute information that is considered accurate. I requested to speak to a supervisor and refused to transfer me to a supervisor and refused several times to take the dispute. Credit report # XXXX.
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 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

I have been a customer with SoFi and have a checking account, savings account and debit card. So 2 days back on XX/XX/year> I had filled a dispute by calling to SoFi over the phone. There were some unauthorized transactions on my Debit card and they were done using XXXX. I do not have a XXXX  account. When I checked the transaction history it said XXXX. The name of the person to which the XXXX  account belongs and that name was completely different then my name. I explained SoFi that my debit card was lost and probably been used by the person whose name was on the transaction and that please help me get my money back. They filled a dispute but today morning I got an email saying we concluded investigation and found no error took place so the dispute is closed and no money will be refunded. This is a complete lie as yesterday was XXXX XXXX and they completed their investigation in that day and than they did not have any explanation for that person whose XXXX account was used with my debit card. I am convinced SoFi dispute investigation process is all fake and they do not care about customers money. I want a hard earned money back. Please help me CFPB. I have attached the transaction history also which clearly shows a different name other than mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed complaints a couple other times against Automotive credit corporation. They were not reporting and were not reporting correctly to my credit profile on the XXXX accounts. They came back saying XXXX they updated the accounts to the bureau but had an issue reporting to XXXX. After that they stated XX/XX/XXXX they updated everything through XX/XX/XXXX. However as you can see on my credit report is still showing as later or XXXX days past due and not updated on payments for XX/XX/XXXX, XXXX, XX/XX/XXXX and now XXXX. All XXXX bureaus reflect nothing no payment at all good or bad. Status of the accounts are not updated as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is beings own is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : XXXX, XXXX # # # # # # XXXX. XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX AND XXXX XXXX, XXXX, OH XXXX and XXXX XXXX XXXX, XXXX, OH XXXX My current address is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXPlease notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.