23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

With the continuation of aggressive phone calls from XXXX XXXX XXXX, customer service reps falsely implied that they were a law firm working for attorneys, along with using scare tactics to retain debt. Continuing with depletion of credit and creditworthiness, a notice of a judgment for a balance. Several months later, I received a notice that judgment was placed against me for the balance owed.
Product: Debt collection

On XXXXXXXX XXXX XXXX put a {$200.00} on my credit which I did not authorize. And on XXXX a company called XXXX XXXX  put a {$300.00} on my credit which I did not authorize. Also on XXXX I received something from kornerstone credit ( XXXX XXXX XXXX  with a balance of {$2200.00} which I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a dispute letter via mail to the 3 credit bureaus attempting to dispute an incorrect account appearing on my credit report. I provided my home address, copy of personal current I.D., and proof of address along with my letter. I waited a month or so, XXXX and Equifax sent a response letter but XXXX  never got back to me. At that point, I sent a letter to Equifax warning them they have 30 days to respond and again, requesting a correction of my credit report otherwise I'd file a complaint against them to the CFPB. Equifax has yet to respond to my second letter. 
Additionally, I politely requested valid proof of the debt shown on my report ( such as a signed contract or agreement ) yet XXXX  and Equifax failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested my credit report from Equifax, since I can not access my report online at XXXX they advised they would be sending me my credit report the first few weeks of XX/XX/XXXX, advised that it would take 7-10 business days. I also sent out communications to delete all outdated or incorrect personal information on my report and sent it certified mail XX/XX/XXXX. The company have sent me out two credit file reports instead of my credit report. When speaking to Equifax today they acknowledged that they never sent my report out to me. I also requested for this information to be sent to me. They advised me that they would like to verify me, customer service representative asked me continuously if I would like to remove employers from my account after advising over 4 times on the phone. Also advised that my current address should not be reported as XX/XX/XXXX. The representative said they would get this information updated. I find that this needs to be investigated as I only reported this address to them on XX/XX/XXXX and have been residing here since XX/XX/XXXX. Asked for certified copy of credit report to be sent to me due to all the confusion and time I have been waiting. Representative advised that my update on my report would take at least 30 days, and they would send the report when it updates. Advised that my name should be listed as XXXX XXXX XXXX and not XXXX on my report. Representative not able to tell me why my reports were not generated the three times requested before as she was not the one who handled that call
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT CERTIFIED MAIL WITH PROOF OF ADDRESS AND ID THEY REFUSE TO INVESTGATE PROPERLY AND DELETE! A UNVERIFIED ACCOUNT THAT FROM PREVIOUS COMPLAINT THAT WAS DELETED FROM MY REPORT WAS SOLD PROOF HAS BEEN UPLOADED SOMETHING NEEDS TO BE DONE THIS IS ILLEGAL
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, & XXXX credit agencies had refused to remove accounts on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing this information from my credit report.
Product: Credit card or prepaid card

I have, with help from my daughters, tried to close my bank accounts and credit cards at wells Fargo. I moved from XXXX XXXX XXXX  in XXXX of XXXX. There is no Wells Fargo branch here and after 6 calls I still have not been able to close the Card account.

In the first place the card account was opened without my knowledge. 
When I called to close all accounts they closed the checking but not the card. the fees then overdrew my account. 
My daughter was on the phone with me when the 4th call was made and all we got was run around. She got upset and called it fraud at which point they transferred the call to the fraud department. That person closed the account and said a new card would be mailed. We told her to just close the account..NO new account. No new card! They did it anyway.

Called again with my other daughter and got transferred around again and after 20 minutes on the phone the women said she would close the account. She said please hold and disconnected the call.

Seems that Wells Fargo can't get away from there evil ways of scamming and misleading people.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding XXXX  XXXX account XXXXxxxxxxxxxx appearing on Transunion and XXXX  credit bureaus.The account should be deleted today upon receipt of the proof attached.There have been multiple disputes without remedy by either bureau.Both bureaus possess an FTC identity theft report that neither bureau reacted by blocking the information.Transunion sent a letter and CFPB response to CFPB XXXX-XXXX, basically accusing me of either being mistaken or a liar or a thief.Transunion will find TODAY that " the shoe is on the other foot '' and that maybe it is Transunion who are mistaken ... .I have attached the XX/XX/19 letter. 
These are the facts : I experienced a fraud where some unknown entity used my card to buy steroid using muscle building products.I complained to XXXX   XXXX.Over time, XXXX XXXX removed every fraudulent charge and all fees assessed by XXXX  XXXX and adjusted the balance to XXXX. 
I have never used the card for anything. 
Yet XXXX XXXX employees, reporting credit, have held me accountable for late payments on charges I never made or paid for and products never received.The statements showing all charges and fees adjusted to XXXX by XXXX XXXX are attached. 
Transunion would doubtfully survive legally and XXXX  as well with doing nothing less than an immediate deletion of this account as XXXX recently completed. 
VERIFIABLE PROOF IS ATTACHED THAT PROVES THAT THE CREDITOR XXXX XXXX AND BOTH BUREAUS, XXXX AND TRANSUNION ARE INCAPABLE OR UNWILLING TO ABIDE BY THE FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I purchased a car from XXXXXXXX XXXX XXXX XXXX  ' located at XXXX XXXX XXXX NY XXXX The sales representative gave me all the loan details directly from 'Westlake Financial ' who needed to have access to my credit report in order to make the sale. Once I made my downpayment, the sales representative told me I would receive a call from the Westlake Financial office to ask some questions regarding the sale and details of the car. 

A few days later I spoke with a Westlake Financial representative who indeed asked me questions about the car and the details of the sale. However, he did not express needing to obtain an additional copy of my credit report. Im positive he had the copy on file, as I would not have been able to enter the loan agreement without their access to my report. I am confused as to why he or someone in that office, pulled an additional copy of my credit report. 

Ive inserted a partial screenshot of my credit inquiries from XXXX. I circled the first day Westlake Financial was given access to my credit report on XX/XX/2022 through XXXX XXXX XXXX XXXX. Then on XX/XX/2022, post-sale, they accessed it again without my permission and necessity. 

I am not okay with the Inquiry made on XX/XX/2022. The additional inquiry was Unnecessary. It seems as though someone in the Westlake Financial Office decided to make an unauthorized use my social security number, to access to my credit report that was - and should - already be on file. Unbeknownst to me, even if a copy was in fact needed, that could've been obtained from XXXX XXXX XXXX XXXX  The XX/XX/XXXX inquiry should not be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-1XXXX XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Delete this account. 

8. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Delete this account. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

10. The inquiry was not authorized XXXX XXXX XXXX I Date of inquiry : XX/XX/XXXX Delete this account. 

11. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Delete this account. 

12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

13. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

14. The inquiry was not authorized XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

16. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

17. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

18. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

19. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

20. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX i requested dispute reasons : this account needs to be removed not corrected because of 1. Date of Last Active - FCRA Violation. Creditor Reported XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. do not correct, please remove 2. Date of Last Payment - inaccurate. creditor reported to transunion my last payment was XX/XX/XXXX. please remove ( do not correct ) on my credit report. creditor monthly payment is inaccurate please remove from my credit report. XXXX shows XXXX XXXX XXXX shows XXXX XXXX creditor failed to update most recent dispute update 3. Payment History - inaccurate. Creditor reported " OK '', for XXXX, but reported 30 days late for XXXX. I previously disputed this account stating : " This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
Product: Checking or savings account

On XX/XX/21 I went to the Fifth Third bank branch in XXXX XXXX XXXX I opened a new checking account with a promotional offer code. I met the terms of the promotional offer code on XX/XX/21. Per the promotional offer terms, I was expecting a {$250.00} bonus to be paid XXXX days after XX/XX/21. I have not received the {$250.00} bonus as of today, XX/XX/21. I have contacted XXXX XXXX multiple times via their app, phone call to their customer service, phone call to the XXXX XXXX XXXX, & via email to the XXXX XXXX branch. I was told that the promotional code was not used when I opened the account ( although I have email proof showing it was ). I was told the {$250.00} bonus would be paid after XXXX days ( although the offer terms stated XXXX  days ). It has been more than 60 days. Fifth Third bank closed all of my accounts ( without my permission or informing me ) and is supposedly mailing me a {$250.00} check ( per a phone call with the branch on XX/XX/21 ). I met the terms of the offer, please give me the {$250.00} bonus. Thank you.
Product: Credit card

XX/XX/year> : I did a " XXXX XXXX '' search for XXXX Customer Service to make changes on an order. The number called ended up being someone appearing to be a rep, who convinced me to give him control of my device because of some potential fraud on my XXXX account. He pended all these charges against my Debit and credit cards, indicating that the only way to prevent being charged was to assume control of the fraudulently established accounts to close the accounts. He assured me no money would be taken. After all the charges were made, he said he'd call me back in 30 min to cancel the charges as fraud. When he called back, he also spoke of a fraudulent debt card charge for XXXX. He stole all this money from me and then told me to report to my bank and hung up on me. I've been extremely stressed since then trying to get my money back. The number called was clearly not a real XXXX number. I've filed fraud claims with XXXX  XXXX XXXX, XXXX XXXX, Chase Bank and XXXX and XXXX. All the above companies except for Chase have been assisting me with the fraud investigation. From what I can tell, XXXX reversed all the charges, XXXX XXXX reversed their charges and XXXX  XXXX XXXX gave me my money back and reversed their credit card charges. I'm not sure about XXXX because they have not gotten back to me about the result of their investigation. Chase 's fraud team advised that it wasn't their department and that I needed to dispute charges. The dispute team advised that because of the reported circumstances, there was nothing to dispute. They both refused to reverse the fraudulently obtained charges on my account, so now I'm being charged for things I was scammed into charging but never intended on charging to the tune of {$1800.00}. Their business practices are abhorrent, which is why I'm filing this XXXX complaint. I was SCAMMED. So, although I have to bear the embarrassment of being scammed, Chase needs to be more responsible with their customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

The disputed accounts are still presenting in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no answer were ever received from you to date. Thus, your action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reporting of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are need to be corrected in my file immediately XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX ; XXXX RETAIL Account Number : XXXX ; XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Bankruptcy Case Number : XXXX ; XXXX XXXX Bankruptcy Case Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information and inquiries was reporting inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that informations are constantly reporting and causes negative impact on my credit. Therefore, TransUnion Bureau did not take any action to remove the inquiries listed below : Inquiries XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Student loan

This is now the XX/XX/XXXX payment that has been misallocated, this is also my second formal complaint. It seems that the only way for my payments to be allocated correctly is by me filing formal complaints. The current issue is my auto debit since XX/XX/XXXX has been {$300.00}. Now, XX/XX/XXXX the auto debit only made a payment of {$270.00}. Not only was this the wrong amount, it was also not allocated correctly. My simple instructions for my payments were to apply the minimum amount due for each loan group and any additional amount should have been applied to group A, my highest interest bearing group. I want my payments to be allocated correctly, i want my auto debit to be the correct amount, i want all my future payments to be allocated based off of these simple instructions : 1. After applying the minimum amount due for each loan, any additional amount should be applied to the loan that is accruing the highest interest rate. 
2. If there are multiple loans with the same interest rate, please apply the additional amount to the loan with the lowest outstanding principal balance. 
3. If any additional amount above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the loan with the next highest interest rate. 
Since this is now the XXXX time i 've had an issue i want assurance i will not have this issue again. This is federal money that they 're handling and misallocating payments has already been a hot topic for a " competitor '' company, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is reporting a inaccuracies on my credit report.  My income was falsified to get me funded . I receive XXXX  a month . They reported me with a monthly income of XXXX  a month . And changed the credit application I have my letter of award from SSA showing proof of Income . I reported to Nevada State Attorney General Office I have sent 4 certified letters and still no response from XXXX XXXX XXXX  I am asking XXXX,  XXXX,  Transunion to remove immediately this is a inaccuracies.  According to FCRA you cannot report inaccurate information to my credit file .
Product: Credit reporting or other personal consumer reports

After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds for removal. 
They also violated my rights under 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 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
If these accounts are not removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering.Account : XXXX XXXX XXXX credit card XXXX Account : XXXX XXXX  XXXX credit card Account : XXXX XXXX XXXX XXXX credit card Account : XXXX  XXXX Education Account : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX charge card Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Account : Account
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX Account Balance : {$45000.00} XXXX XXXX XXXX XXXX Account Balance : {$15000.00}