23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for a Chase United Club card and received an e-mail XX/XX/XXXX saying it was approved but I never got the card. I called Chase and they said wouls send another which I also never received. I then got a bill for the club fee yet had no credit card. I called Chase again and they said they 'd send another card which I asked be sent to my office. I was away on a business trip and just received the car this past week on XXXX XXXX. I activated the card on XX/XX/XXXX and found out that a late fee had been charged to an account that had not been activated, which does n't seem fair. I called Chase and they said they 'd remove the fee but it would take 2 days. When I logged onto the account 2 days later to pay the bill for the club fee, I found out the account had been closed.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks...

If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall...

( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I am a Co-signer on my granddaughters loan, I am XXXX yrs old, fixed income, & I have paid on this for over 4 yrs., they have raised my monthly payment for no reason over the years, when I have n't missed a payment. They Will Not help me as I have tried many times to talk to them!! Now, I am being threatened by XXXX cause I havent made a payment since XXXX XXXX! I do n't know what to do, they are a terrible company! Ca n't somehow this loan be written off? Its XXXX to pay off. Im very upset, at my age, this is very unfair. Please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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

THIS IS A CONSTANT ONGOING ISSUE WITH MY MORTGAGE CO. I'VE HAD TO FILE TOO MANY COMPLAINTS. WHY IS THE CFPB NOT DOING ANYTHING? CROSS COUNTRY MORTGAGE/MR. XXXX KEEP ACCUSING ME OF BEING LATE WHEN I'M NOT. NOR IS MY HOUSING AUTHORITY. MY HOUSING AUTHORITY HAS PROVIDED PROOF OF PAYMENTS TO ME AND I'VE PASSED THAT ON TO MY MORTGAGE COMPANY. CCM AGENTS HAVE TOLD ME THERE ARE ISSUES WITH THEIR SYSTEM NOT ACKNOWLEDGING SUBSIDY PAYMENTS. THAT'S NOT MY FAULT NOR THE HOUSING AGENCY. I GOT AN EMAIL FROM XXXX XXXX ( LOAN SERVICER ) ON XX/XX/year> STATING THAT THERE HAS BEEN NO ISSUES WITH MY SUBSIDY PAYMENTS AND THAT THEY ARE APPLIED ACCORDINGLY AND CORRECTLY. THEN TODAY, XX/XX/year>, I GET AN EMAIL STATING A CREDIT ALERT. SO I LOOK AT MY CREDIT PROFILE AND LOW AND BEHOLD, XXXX HAS REPORTED LATE PAYMENTS WHICH HAD A VERY NEGATIVE IMPACT ON MY CREDIT SCORE. I WILL ATTACH THESE DOCUMENTS I'VE SPOKEN OF. I HAD NO ISSUES WHATSOEVER UNTIL MY LOAN TRANSFERED TO XXXX XXXX XXXX XXXX, 2024. SINCE THEN IT'S NONSTOP ACCUSATIONS OF BEING LATE.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries should not be furnished on my consumer report as they are in VIOLATION!!!!

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I am so exhausted I've been trying to correct things with Experian, TransUnion and Equifax but it's no response no reply nothing! I sent so many letters certified and I still get no response. please help me pursuant to 15 USC 1681i ( a ) 1 they are required to respond within 30 days or the items shall be removed. pursuant to 15 USC 1681i ( a ) 6 ( B ) 3 they aren't properly investigating these accounts. please help me as these aren't my accounts
Product: Credit reporting or other personal consumer reports

I am writing this letter as a follow-up to my previous dispute submitted on XX/XX/2025. While I acknowledge that some unauthorized hard inquiries have been successfully removed, I am beyond frustrated that one single inquiry remains unresolved. 

This specific inquiry was included in the FTC Identity Theft Report I submitted along with my CFPB complaint. If your agency was able to delete the XXXX other unauthorized inquiries based on the same documentation, there is absolutely no justification for leaving this one behind. I never allowed or gave permission for this inquiryit is just as unauthorized as the others you rightfully removed. Your inconsistency in handling this matter is unacceptable.
Product: Debt collection

XXXX ; XXXX and XXXX  are reporting incorrectly a charge-off balance of {$4700.00} on the TOYOTA MOTOR LEASING account number XXXX. ( Please see page 5 of the attached credit report. ) This vehicle was sold at auction and Toyota informed me that they did not receive enough money for the vehicle at auction and consequently there was a remaining balance due of {$4700.00}. I requested documents from Toyota verifying the amount due, however I never received anything. It is illegal to charge someone money that is not owed and also to not provide any documentation to back up the claim of an outstanding balance due. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report.
Product: Vehicle loan or lease

My loan is past due, but I have been making payments and have been told that I am good. The loan company is Flagship Credit. On Friday XX/XX/XXXX I made a payment and an agreement to continue to make a payment within the next 30 days. The agent was in agreement. 
On XX/XX/2023 I got call from Flagship and as I answered they hung up, On XX/XX/XXXX, at XXXX XXXX  I got a call and answered and they hung up on me. I get another call XXXX XXXX  on the dot and again they hung up on me. I get a call yesteday ( XX/XX/XXXX ) at XXXX I talked to them for 6 minutes and 59 seconds and the agent ended up hanging up on me because I kept demanding to know why the multiple calls after an agreement was made, I got another call this same day at XXXX and again they hung up on me. Today ( XX/XX/XXXX ) I got a call at XXXX and they hung up, I got call at XXXX and asked the agent why they were calling and that I was filing complaint, she hung up. then at XXXX ( not even 10 minutes later I get another call from them and they hung up. 
They led the consumer to think that they have an agreement then hound them every day until the agreed date. When you are able to get an agent to stay on the phone they will act like they XXXX XXXX XXXX and refused to answer direct pointed questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately, I had a financial crisis in XX/XX/2016 which led to a vehicle repossession. Since that time, the finance company has continued to report that my loan is active and past due, despite the fact that they repossessed the vehicle nearly two years ago. Despite the fact that the account is closed, and no payments have been made since XX/XX/2016, this finance company continues to report the account as active and past due.
Product: Credit reporting or other personal consumer reports

Randomly checked credit report to prepare to purchase another home. Notice accounts that weren't mine. I called the local police department. they couldn't do anything until I attempted to dispute directly. 

These are the fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} I do not use any of these companies and 2 of them are debt collectors with debts that I do not even have. 

Will be placing credit freezes with bureau as well.
Product: Credit card or prepaid card

Have a Care Credit Account thru XXXX XXXX. My contract on XX/XX/2018 states 24 months deferred / no interest if paid in full before the 24 months are up. 

XXXX XXXX is charging me interest every month and changed the contract after 1 month without notice to me and that is illegal. That is not the contract I signed in the beginning or agreed to as I have attached the contract I signed on XX/XX/2018. 

They owe me as of today XX/XX/18 {$630.00} in interest fees charged. Plus interest charged after this date. 

I want my interest refunded to my account. 

XXXXXXXX XXXX  refuses to give me a copy of the contract says it will take them over 40 days to find it ... really.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had contacted this company XXXX XXXX to try to take care of my student loans which I decided within their timeframe that I did not want to do buisness with them so they sent me email of my cancellation but they still withdrew funds from my checking account which took months to get back & I have recently noticed they reported this on my credit which is uncalled for especially when I canceled before their timeframe was up.I decided to go thru a much better company
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Complaint Against Equifax for Failure to Address Credit Report Inaccuracies To Whom It May Concern, I am writing to formally file a complaint against Equifax regarding their refusal to handle my case involving inaccuracies on my credit report. Despite my repeated attempts to resolve this issue, Equifax has failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of the information on my credit report. 

Specifically : 1. Refusal to Verify My Identity : I have repeatedly contacted Equifax to address inaccuracies on my credit report. However, they have refused to verify my identity, making it impossible for me to proceed with my dispute. 
2. Irrelevant Verification Questions : During these interactions, Equifax asked questions that were entirely unrelated to my identity or credit history. These questions served as unnecessary barriers rather than legitimate verification measures. 
3. Failure to Address Submitted Documentation : I have already sent Equifax documentation proving that the inaccuracies on my credit report do not belong to me. Despite providing this evidence, Equifax has failed to take appropriate action to investigate or remove these items from my credit report. 
4. Ongoing Refusal to Provide Assistance : Equifax has repeatedly denied me the support I need to ensure my credit report is accurate. 

These actions have caused significant frustration and have prevented me from ensuring that my credit report accurately reflects my financial history. As you are aware, credit reporting agencies are required by law to investigate disputes and correct inaccuracies within a reasonable timeframe. 

I respectfully request the CFPBs intervention to ensure Equifax complies with their legal obligations. Specifically, I ask for : A full investigation into Equifaxs handling of this matter. 
Immediate removal of the inaccurate items from my credit report based on the documentation I have already provided. 
A directive to Equifax to use reasonable and relevant methods to verify my identity in future disputes. 

I have attached all relevant documentation, including copies of the evidence I sent to Equifax and proof of my communication with them. If you require additional information, please contact me at XXXX or via email at XXXX. 

Thank you for your time and attention to this matter. I trust that the CFPB will help resolve this issue and ensure that my rights as a consumer are protected. 

Sincerely, XXXX XXXX. XXXX
Product: Credit card or prepaid card

Person keeps leaving me voicemails on my phone from a credit card company or some kind of supposed credit place that comes up as fraud when you XXXX XXXXhe phone number XXXX. They also contacted family members and Im not quite sure how they got their numbers. This is harassment and I want it stopped! I do not owe anyone money it is fraud.
Product: Credit reporting or other personal consumer reports

To formally dispute inaccurate information on my credit report due to identity theft, as permitted under 15 USC 1681c-2 of the Fair Credit Reporting Act ( FCRA ). The disputed accounts ) does not belong to me and was fraudulently opened or altered without my authorization. I am requesting your assistance in investigating this matter and ensuring its correction. 
Details of the Fraudulent Accounts ) : Account Name : XXXX XXXX Partial Account Number : XXXX Account Name : XXXX XXXX  Partial Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Partial Account Number : XXXX Credit Bureau ( s ) Reporting the Account : [ XXXX/Equifax/XXXX
Product: Credit card or prepaid card

I called to do a balance transfer with Wells Fargo. I confirmed with customer service that I could submit a another balance transfer in the already open transfer and was told that I had one year to make more transfers. I asked how much I could transfer. She let me know that my limit was {$1500.00} but if I wanted to transfer more, I would need to increase my credit line. I agreed to increase as I have excellent credit. 
I was transferred to the department that handles increases in credit limits. My limit was increased to {$10000.00} and a hard pull on my credit was executed. 
I asked to handle the balance transfer and was transferred back to the customer service department where I was then told my another representative that I could not make any balance transfers. 

I was then escalated and transferred to a supervisor for the mistake who submitted the claim. I confirmed that if I signed up For another Wells Fargo account with a balance transfer Offer ; I would be able to transfer a balance. 

But now that I have a {$10000.00} limit this will effect me being able to obtain any more lines of credit and a significant balance ( not just {$1500.00} ) I submitted my complaint and no one could tell me what the options for resultions were. They simply stated they could not reverse the credit limit increase nor could they give me a balance transfer. I feel this is fraudulent behavior and poor interdepartmental communication on consumer credit policies and laws.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX. XXXX contacted Experian via certified mail on or around XXXX XXXX XXXX and XXXX XXXX XXXX  that there are inaccuracies reporting on my credit profile to do with a public record of bankruptcy. I submitted a most recent dispute letter on XX/XX/XXXX to Experian as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX Date of birth : XXXX  SSN : XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Dear Experian : Re : Report # XXXXXXXX XXXX XXXXXXXX Public Record from a XXXX XXXX Bankruptcy on XX/XX/XXXX Dear Experian : My name is XXXX XXXX XXXX This is a letter to request the reinvestigation of the above Report numbers in reference to the Public Record from a XXXX XXXX Bankruptcy on XXXX I previously disputed this public record and according to the Experian credit Report dated XXXX XXXX XXXX  and XX/XX/XXXX and on the report it is stipulated that the Public Records information is obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX, a XXXX XXXX XXXX. 

The results of your investigation through XXXX are inaccurate because the report that I have from XXXX does not have any bankruptcy records reported under my name. The bankruptcy is still in my credit file with Experian, and this is entirely inaccurate and as such represents a very serious error in your reporting. This is a direct violation of my rights under the FCRA as the information must be reported with 100 % accuracy. According to the Fair Credit Report Act all information must be reported with 100 % accuracy. 

This public record must be deleted from the report as soon as possible or you will be sued to the fullest extent of the law. I further understand that you must complete your re-investigation within 30 days of receipt of this letter ( 15 U.S.C section 1681i ( a ). ) Once you have deleted this record, please send me a copy of an updated report. Thank you for your assistance. 

I personally signed and sent this letter. 

Sincerely, XXXX XXXX. XXXX. 


Experian responded on XX/XX/XXXX that the company that reported the information to Experian is accurate. The item was not changed as a result of their processing of my dispute. As a result of their reinvestigation the dispute is not resolved. According to the updated Experian Consumer Report Public Records Information it is obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX. I verbally confirmed with XXXX that there is no bankruptcy on record with my consumer report. XXXX provided in writing that there is no bankruptcy reported in section 9 of my consumer records. I contacted Experian to dispute this inaccuracy with verifiable proof and Experian verifies public records through XXXX yet they are violating my rights. This information must be reported 100 % accurately and they are continuing to report this on my credit file. My credit file is supposed to be reported accurately and Experian refuses to correct this on my credit report.
Product: Credit reporting or other personal consumer reports

I request the immediate removal of the unauthorized accounts from my credit report. I did not open or approve these accounts and am unaware of their source. In compliance with USC 1681g, I ask that they be removed within XXXX  days. Relevant documents are attached for your review.
Product: Mortgage

Over the past few years I have requested PMI cancellation but XXXX XXXX  has denied my request saying I was 30 days past due at least once in the last 24 months. THAT IS FALSE. I have proof my bank never paid the loan 30 days past due. 

XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX.
Product: Debt collection

I have attempted to dispute a charge off with XXXX XXXX, I have spoken with what they stated was the presidential office with a woman named XXXX. She explained to me that the charge off happened three days previous, XXXX and continued to tell me to deal with collections. She offered no support and when I was sent to the collections number, they did not have my account on file, thus I was never notified about this debt/charge off and now they are refusing to attempt to remedy the situation. I do not have any records showing I had a balance as I presumed the account was closed. Thank you for your help. 

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

This is my 3rd XXXX  to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XXXX XXXX : {$390.00} XXXX XXXX XXXX  XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During COVID, my wife got sick and was XXXX. Not only was I struggling to find work due to COVID, but now I was the XXXX  for my wife XXXX for her feeding, bathroom needs etc. 

I took out a credit card, I don't even remember taking out this credit card, I don't have the credit card. It is sitting on my credit report with a XXXX dollar balance and a late fee for XX/XX/2021. 

I submitted a dispute online and didn't hear back. 

According to the CAREs act, I believe I should get some relief here regardless of the potential accuracy of this report. 

Additionally, according to Congress : " Legal Exemptions : 15 USC 1681a - 2 ( a ) ( i ) ( 2 ) Exclusions. " Except as provided in paragraph ( 3 ), the term consumer report does not include - report containing information solely as to transactions or experiences between the consumer and the person making the report. '' According to Congress, the Consumer report is not to include experiences or transactions. Late payments are experiences and are illegal to list in the consumer reports... 

Considering they are saying they gave me credit and I owe them no money ; this late fee is illegal... act least according to Congress.