23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

I am being blacklisted from being able to send any overseas transfers from my computer. I know this now because after XXXX started blocking me I moved to Xoom, which blocked me after a couple of transfers ... and then today I tried to establish a new account with XE money transfer and they would n't even let me create an account. I believe this all stems from an incident I had last XXXX where someone hijacked my email account password, and then tried to send money through Xoom. I noticed this activity and called them immediately to block the transaction saving myself and Xoom from any financial loss. I told Xoom to lock my account until I could be sure everything was clean again .... then I called them back.. They asked for my ID and bank statement. I sent them both as proof. They then denied the transfer with NO explanation at all. I asked specifically in an email for information regarding this denial and have not received a reply. I think this is totally unfair to place the restriction on me .... No one has lost a penny because of this.. I consider this to be an unfair business practice and I would like someone to intercede on my behalf
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. 

Account Information : Creditor 's Name : XXXXXXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX 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 : The payment history reflects several late payments, including 30, 60, and 90, 120-day delinquencies. However, I have provided evidence showing timely payments for all months in question. This includes bank statements and transaction confirmations for the payment due, which were made on time, but incorrectly marked as late. Additionally, subsequent months were marked late due to this erroneous initial marking, despite no further delinquencies. 
Evidence, such as transaction logs and confirmation numbers, was submitted in each dispute, proving that my payments were received within the agreed-upon grace period, but this has not been rectified by any of the credit reporting agencies. 
Furthermore, these discrepancies have negatively impacted my credit score, creating significant financial stress and impacting my ability to access credit at favorable rates. 
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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. 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. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX Balance Owed : {$500.00} XXXX  XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX Balance : {$660.00}
Product: Student loan

I was switched to XXXX XXXX from XXXX ( much better loan servicer ) because I applied for the Public Service Loan Forgiveness. They are refusing to count my over 7 years of public service for a non-profit. In talking to them they said it was because I paid too much ( I rounded up may payments to the nearest dollar ) and that I paid to far in advance ( I sent the check from my bank on the 15th of every month - I was being paid bi-monthly ). I talked to them 4 months ago and asked for the record of my payments so I can track them and see what they didn't count - I was told I would have the record in 7 -14 days. I have received no record to date. I also asked to have it reviewed, they said they would, but to date I have had not other response from them. Then I get a notice from them that I need to re-certify my loan repayment by XX/XX/XXXX. my loan plan was good through XX/XX/XXXX. I asked them why and only received a short email stating that it takes time to process. Well that was a lie, because I processed it after the date and have already received a massive increase ( in relation to a modest pay raise, actually it the increase will negate all of the pay raise plus ) - which in reading up on them seems to be their MO. XXXX XXXX XXXX I have no files to upload since I can't seem to get them to follow through on their promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached letter from XXXX XXXX, dated XXXX. This item should have been removed from my XXXX, XXXX XXXX and Equifax credit report. I/XXXX contacted XXXX XXXX by phone questing why hasn't XXXX sent over the correct information based on the issuance of 1099-C form. I have already paid via tax form 1099-c in 2017. The should balance should be at zero and removed from all 3 credit report companies. 
. 
I'm getting penalize twice. There has not been any updates sent to 3 reporting agency. the balance still there.. please update and remove based on 1099-c form. 


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

AFTER REVIEWING MY CREDIT FILE I HAVE NOTICE ACCOUNTS THAT ARE A RESULT OF IDENTITY THEFT. THESE ACCOUNTS DO NOT BELONG TO ME AND NEEDS TO BE REMOVED IMMEDIATELY. I HAVE NEVER DONE BUSINESS WITH THESE COMPANY NOR HAVE I EVER HEARD FROM THEM TO EVEN DISPUTE THE VALIDITY OF THESE ACCOUNTS TO INFORM THEM THAT THEY ARE INDEED A RESULT OF IDENTITY THEFT. 
Please remove this information from my credit file as these are a result of identity theft. 
XXXX XXXX XXXX XXXX {$20000.00}. XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX. XXXX. {$2000.00} XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX {$1300.00}. XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX. XXXX {$2000.00} XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. XXXX. {$1600.00} XX/XX/XXXX
Product: Consumer Loan

I got a ring in XXXX from Jared Jewelers. I have NEVER received a bill in the mail and have verified all the information. Before ever getting a bill I started getting calls every few minutes. Turns out I was late and no one said anything. I never got an email, never got a letter, just constant calls. I set up payments with Jared directly and was told everything was fine. XXXX of the payments declined for some reason that is still unknown to me. I was never notified of that until the calls started all over again. I was laughed at when I called back. I also let the lady that I spoke with know that I was getting calls after XXXX which is against the FCC rules. I still have yet to get a bill and I still have yet to get any actual notice of billing or amounts owed.
Product: Debt collection

I have already disputed this debt with them and they sent me a computer generated letter from a XXXX not addressing any of my concerns. They just sent statements, no contract with my signature. 
They are in complete violation of my consumer rights trying to collect on a debt that is not owed and still reporting incorrect amounts on my credit report. 
XXXX. Violation of Fair Credit Reporting Act ( FCRA ) The FCRA ( 15 U.S.C. 1681 ) requires that all information reported to credit bureaus be accurate, complete, and timely. It is my contention that your company has wrongfully reported inaccurate information that has resulted in XXXX XXXX to my credit score and my ability to obtain credit, particularly affecting my ability to purchase a home. Specifically : Section XXXX ( b ) mandates that information reported to credit reporting agencies be accurate. Your reporting contains incorrect information that violates this section, as I have never owed the amounts you are reporting or settled the debt in the manner described. 
Section XXXX ( a ) ( XXXX ) ( A ) requires that when a consumer disputes information, the credit reporting agency must investigate and correct or remove the inaccurate information within a reasonable period ( usually XXXX  days ). Despite my previous attempts to resolve this issue, no corrective action has been taken, which constitutes a violation of this provision. 
XXXX. Violation of Fair Debt Collection Practices Act ( FDCPA ) The FDCPA ( 15 U.S.C. 1692 ) establishes protections against abusive debt collection practices. Your actions have violated the following sections : Section XXXX ( XXXX ) ( A ) : You have falsely represented the amount of debt owed or the nature of the debt itself, misreporting this to credit agencies and damaging my financial standing. 
Section XXXX ( a ) : Upon my request, you failed to provide me with validation of the debt. Despite multiple attempts to contact your office, you have continued to report inaccurate information without providing the required documentation. 
Section XXXX : You have employed practices that are unfair or unconscionable by continuing to report this inaccurate debt, despite having received my disputes. 
XXXX. Damages and Impact Your wrongful reporting has caused significant financial harm to me, particularly in my efforts to purchase a home. As a result of your violation of the FCRA and FDCPA, I have suffered a substantial decline in my credit score and have been denied loans or subjected to significantly higher interest rates. This has caused me undue emotional distress, financial hardship, and lost opportunities. 
XXXX. Demand for Action I demand that you immediately take the following corrective actions : Correct or remove the inaccurate information reported to the credit bureaus regarding this debt. 
Provide written confirmation that this action has been taken and that your reporting is now in compliance with the FCRA and FDCPA. 
Cease and desist from any further attempts to collect on the alleged debt without proper validation. 
This is my legal right as a consumer and I demand action taken immediately!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX, and Equifax for failing to properly investigaie 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

This information is not mine, it does not belong to me and I do not want it in my report. 

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

XXXX ; XXXX and Transunion are failing to review and/or research any of my dispute letters. I have not received any communication from XXXX ; XXXX or Transunion regarding the status of my dispute letters. It is very disappointing that the bureaus are not taking the time to actually research issues outlined in my dispute letters and as a result of this lack of due diligence, negative items from the bureaus still continue to appear on my credit report. Pursuant to the F.C.R.A. ( 1 ) You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. ( 2 ) Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. I respectfully request the following items be reviewed by XXXX and Transunion XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. Also, I respectfully request the following items be reviewed by XXXX and Transunion - XXXX XXXX  partial account number XXXX and XXXX XXXX partial account number XXXX. ( Please see attached pages from my credit report. )
Product: Debt collection

On Friday XX/XX/year> at around XXXX I called XXXX XXXX XXXX XXXX discuss postponement of payment of a debt collection. The representative XXXX I spoke with let me know that I could not postpone the payment after I expressed I didnt have the money today. He then forwarded me to his manager XXXX XXXX that began the call aggressively telling me that I gave a fake debit card, which is false because I already gave them a payment. That they were going to pursue the all legal actions if I couldnt make that payment. Laughed when I told him I had children to feed and could not pay the debt at the moment and then proceeded to over talk me saying he didnt believe I would pay back the arrangement and that hes in a bad position. I asked for the information to the management company he refused to give it to me by telling me they wouldnt talk to me, mentioned that they could sue me and garnish my wages and then proceeded to hang up on me before I could ask anything else. If there is no arrangement to be made that can be discussed in a manner that doesnt look to humiliate, threaten, speak aggressively or ultimately dismiss my questions while trying to resolve the matter. 

This is a direct neglect to the FDCPA, ( 15 USC 1692.
Product: Credit reporting or other personal consumer reports

have tried multiple times to resolve the inaccuracies on my credit report from this bank and no results, furthermore 15 usc 45 b -unfair methods and consumer review protection.

15 usc 1681 inaccurate credit reports directly impair efficiency of the banking system The CARES ACT prohibited late payments to be reported to consumer reports and required banks to provide relief options to consumers i was never made aware of the assistance this law provided and resulted in several late payments with multiple accounts i am requesting that these late payments be updated to current and or delete the accounts from my credit report. 

Acct :XXXX  please remove all late payments or delete acct Acct:XXXX please remove all late payments or delete acct Acct:XXXX please remove all late payments or delete acct Acct:XXXXplease remove all late payments or delete acct
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally raise a concern regarding XXXX handling of a collection account on my credit report, which I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( 15 USC 611 ). and off course this situation is hurting my ability to obtain credit Name of Account : XXXX XXXX Account Number : XXXX Alleged Amount : {$310.00} Unverified Account I have previously disputed this collection with XXXX and request the accuracy of this account. Unfortunately, XXXX has not conducted a thorough investigation and continues to display this incorrect information on my credit report. 

According to the Fair Credit Reporting Act, consumers have the right to request the removal of inaccurate or outdated information from their credit reports. XXXX failure to address this issue properly undermines my rights as a consumer. 

I kindly request that the Consumer Financial Protection Bureau look into this matter and take appropriate measures to ensure XXXX complies with the Fair Credit Reporting Act. I seek the immediate removal of the account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring XXXX fulfills its legal obligations.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear CFPB, Subject : Inaccurate Late Payment Reporting for Account with XXXX XXXX I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Equifax for account # XXXX with XXXX XXXXXXXX. These reported late payments are erroneous and do not accurately reflect my payment history, as I have consistently made timely payments through autopay. 

Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report is incorrect. My account was fully paid on time, and I was enrolled in autopay for consistent, timely payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : This inaccurate reporting of late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness and payment history.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information in consumer files.

Additionally, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions allow for damages, including actual damages, attorneys fees, and possible punitive damages for failure to comply with the Act 's requirements. 

Summary of Errors on Account The XXXX XXXXXXXX account shows discrepancies across bureaus, including incorrect XXXX late payments in XXXX for XXXX, XXXX and Equifax, despite on-time payments. High balance varies, with {$300.00} reported by XXXX and XXXX, but {$500.00} by Equifax. Dates of " Last Activity '' and " Reported '' also differ, and Equifax lists the account as " closed by credit grantor, '' while others show it as " paid. '' These errors misrepresent the accounts history and status. 

Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payment notation from my credit report. All entries should be updated to reflect my accurate payment history of 100 % on-time payments. 

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my consumer rights. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Extremely high interest and extra balances being added on all the time, fees were out of control, car was later repossessed and I was fine with that. They continued past the time the car was taken to continuously call. I could not afford the car anymore at that time. Horrible finance company, didn't verify my husband and I income at the time.
Product: Credit reporting or other personal consumer reports

I am requesting an immediate investigation and correction of inaccurate information on my credit report. The inaccuracies involve late payments from XXXX, XXXX XXXX, and other accounts that are being incorrectly reported. I specifically ask that these entries be updated to show " paid as agreed/never late. '' Additionally, I am disputing debts listed by XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of these debts, including the original contracts or instruments bearing my signature, as required by 15 U.S. Code 1692g.

I also request the deletion of unauthorized hard inquiries, such as the one from XXXX, which were made without my consent, as outlined under 15 U.S. Code 1681b ( a ) ( 2 ). 

Regarding my personal information, there are incorrect addresses listed on my report, and I request these be corrected. 

As per the Fair Credit Reporting Act ( FCRA ), you are legally obligated to investigate and correct inaccuracies within 30 days of receiving this notice, as stated in 15 U.S.C. 1681i. Failure to do so could result in liability under 15 U.S.C. 1681n and 1681o for willful or negligent non-compliance. I expect a thorough investigation and a written confirmation of the findings, including an updated credit report. 

If this matter is not resolved within the required timeframe, I will not hesitate to escalate the issue through formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or pursue legal action.
Product: Student loan

I was told by Navient that my loan was in a long term forbearance since the loss of my children 's father. They said that they would defer my payments until XX/XX/XXXX and that I would have to pay interest when i started repayment in XX/XX/XXXX. Because of financial hardship I was told this was the best option in XX/XX/XXXX. In XX/XX/XXXX I was surprised to find a report on my credit that my loans were delinquent when I had just responded to their email asking if j wanted to continue deferring payments. I was told " not to worry '' since it was on record that I was experiencing hardship and would begin payments in XX/XX/XXXX. Now they have intercepted my tax return and did not forward our previous arrangements to the department of education. I was mid-led & deceived by Navient and in my opinion anyone coming after them to try and clean up their collections is also being mis-led. I have a strong desire to pay my debts and accept full responsibility for them. However this deception has wreaked havoc on my credit and my ability to provide for my family.
Product: Credit reporting

Over 30-days ago, I submitted a request to Equifax to remove an account off my Credit Report along with XXXX ( XXXX ) control number instructing them to remove it. It is currently still on my report even after disputing it. 

The XXXX Control number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax issued a fraud alert ( 1year ) for my account stating that i requested one be placed. I have never requested such, and since the letter states that " I REQUESTED IT '' I would like to see a copy of this letter, date it was sent etc. If Equifax is forging/falsifying information i will pursue it as such.