23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX  XXXX  and XXXX  XXXX, the automation system to obtain the free annual  reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

im suffering because my credit looks bad and i have in accurate accounts on my report and it needs to be removed asap!
Product: Credit reporting or other personal consumer reports

XXXX, transunion and XXXX are I major violation for not providing me notice of dispute for XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All XXXX XXXX XXXX accounts XXXX XXXX XXXX XXXX and transunion have violated FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information toconsumer reporting agencies [ 15 U.S.C. $ 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the complete-ness or accuracy of any information furnished by anyperson to any consumer reporting agency is disputed tosuch person by a consumer, the person may not furnish theinformation to any consumer reporting agency withoutnotice that such information is disputed by the consumer. 

XXXX, transunion and XXXX will need to provide proof that they gave me notice of dispute for all accounts I disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting act XXXX, Account name-XXXX 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.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I used a referral link https : XXXX to download the XXXX  app, but I saw no confirmation upon sign up nor did I see anywhere within the app to add my referral. I requested by email that XXXX confirm the referral is on my account and that I will get the {$50.00} bonus if I receive a qualifying direct deposit of {$500.00} or more. XXXX email and phone support agents refused to acknowledge my promotion eligibility despite it being publicly offered here XXXX XXXX XXXX and me fulfilling the signup terms. 

I used the referral link https : XXXX. It goes to the XXXX website. The website then links to the XXXX and XXXX app store, with no personalized referral link, where I downloaded the app. I signed up assuming I was a referee. Nowhere in downloading the app nor in the signup process did it allow me to enter the referral code, or " order a card using the link provided '', or display the referral code in the original URL link. I asked XXXX by email and phone to please confirm the referral code XXXX  : XXXX is on my account as a referee. XXXX said it was unable to provide any confirmation and admitted by email that its system does not even allow the bank to confirm which codes are on which account : " Please be informed that we do not have visibility of your referral code and usually referral code will be included to the referral link email that you received. '' XXXX advertises the referral program but provides no way for referees to confirm the referral promotion is applied to their account nor eligibility for the {$50.00} promotion upon completion of the {$500.00} direct deposit. None of my account creation emails or materials provide any confirmation nor terms of the bonus despite this being advertised to the general public and the referral links successfully linking to the website. 

This is unfair and misleading as it tricks consumers into thinking they are a referee eligible for a {$50.00} promotion, thereby eliciting a direct deposit of {$500.00} with a promotion that is promised to the consumer but without confirmation of the terms provided before depositing the money. This also harms referer 's and robs them of their {$50.00} for the time they spent in acquiring referrals. XXXX is unfairly and deceptively tricking customer-referrers into advertising the product, promoting its website, and new referees depositing money with no confirmation of the terms nor way to track the earning of the promotional value offered. 

To date, I have received no automatic confirmation nor will XXXX provide a manual confirmation of the promotion being applied nor that it will be honored manually.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle, numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting

I am a victim of identity theft and some stole my identity and used my personal information to apply and open up the following unauthorized and fraudulent accounts accounts that are not my accounts : 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, US Department of Education, XXXX, XXXX XXXX XXXX. I filed a police report with the XXXX XXXX Police Department. The police report case number is : XXXX
Product: Checking or savings account

Capital one has been complicit in and guilty of numerous crimes against my checking account. For years I have complained that they are allowing corrupted law enforcement officers to access steal from and manipulate my bank account. They have previously " admitted " to these things. Then set it up for me to need an additional attorney to collect the money they owed and damages for the criminal acts. 

Currently they have my old checking account in arrears for XXXX. They have doubled debited back and denied the claim filed through you to recover these funds from XXXX. A scam that plays with money laundering and credit cards ( also filed with your office ). They have on more than XXXX occasion committed crimes similar to this. 

My bank account should be around XXXX positive as originally done. Not attacked with intentionally duplicated charges as revenge for my complaint to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX This account with XXXX XXXX has a total of {$9500.00} was in open in 2008 and has been closed for some years, and now their is a new update and is showing that it has been transferred. It is a total of three account, and XXXX is no longer exist. I have sent multiple letters to credit bureau requesting to have these items removed. And it still on all three of my reports. I don't know what else to do
Product: Student loan

Dear CFPB, I am writing to file a formal complaint regarding my current inability to make income-driven payments on my federal student loans, which is having a significant negative impact on my ability to qualify for a mortgage. My loan servicer, MOHELA, has informed me that due to the recent nationwide injunction on the SAVE plan ( Saving on a Valuable Education ) issued by the XXXX XXXX XXXX XXXX XXXX, my student loans have been placed in forbearance, which means my previously scheduled income-driven payments are not being accepted, even though I am willing and able to pay.

Under the SAVE plan, my monthly payment was calculated at {$10.00} based on my income, which I am more than prepared to continue paying. However, because of the injunction, my loan servicer has informed me that I can not make these payments until the forbearance is lifted, and my mortgage lender is now forced to calculate my debt-to-income ratio using an estimated standard payment amount, which is much higher than what I would actually be paying under the SAVE plan.

This situation is unfair and is directly blocking my path to homeownership. It is particularly concerning because the legal proceedings surrounding the SAVE plan could last months, if not years, meaning I could be in financial limbo for an extended period, unable to move forward with major financial decisions due to artificially inflated loan payment estimates.

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX, XXXX [ Loan Servicer : MOHELA ]
Product: Mortgage

My name is XXXX XXXX purchased a home back in 2007, with national city mortgage, ( now PNC ) since then i have had some hardship, i have appy for assistances for last two years, no help.I wrote a letter asking who own my mortgage.They never responsed to my letter.I need some help because my mortgage is about to go up.I really do not want to lose my home. Thanks
Product: Credit reporting or other personal consumer reports

I am so exhausted I've been trying to correct things with XXXX 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 XXXX XXXX XXXX American Honda XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX - XXXX XXXX : {$8700.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor 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 alleged fraud or extortion. 
XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} XXXX, XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove a student loan balance from my credit report. 

My federal student loans were being serviced by XXXX. On XX/XX/2022, the balance of my federal student loans with XXXX was paid off when it was transferred to XXXX for consideration under the XXXX waiver. There were XXXX separate amounts : XXXX, XXXX and XXXX, for a total of XXXX, XXXX. ( The loans were subsequently forgiven under the XXXX program. ) These loans still show as owed to XXXX on my Experian credit report. I filed a dispute, but today they responded that the balance remains ; they will not remove it. I was instructed to take it up with the lender. I confirmed with XXXX that my balance is {$0.00}, but Experian won't take action other than to say I should take it up with XXXX or file a new dispute after 30 days..
Product: Credit card

In XX/XX/2016, XXXX had an offer for a new business credit card, the XXXX. The bank solicited me to apply for this card to replace an existing card I had with them. Part of the promotion was I would receive a {$250.00} cash back bonus if I spent {$2500.00} within the first 90 days of the issuance of the card. I did that. No bonus has been paid despite numerous attempts at contacting bank personnel. 

Today, I did receive and email denying that I was entitled to this payment based on a clause in the offer. The denial is in error. I NEVER receive any prior bonus on any Vectra account and believe that the bank personnel intentionally misled me when I applied for this card. I was never told this only applied to new accounts as the bank representative encouraged me to replace my existing card with them, i.e. she knew I had an existing credit card. She insisted I would receive the cash back if I followed the offer specifications. Clearly this was fraudulent behavior on the part of the bank staff.
Product: Credit reporting or other personal consumer reports

Reported my vehicle loan as a charge off/foreclosure and now its a repossession/foreclosure they keep updating it every month. I would like a request for a XXXX form.
Product: Credit reporting or other personal consumer reports

I have attempted to rectify this situation with Experian on XXXX separate occasions. I have reason to believe Experian DID NOT properly investigate my claim. 

Dispute XXXX request : Date Experian Acknowledged and Submitted the dispute : XX/XX/XXXX Resolution Date : XX/XX/XXXX Dispute XXXX request : Date Experian Acknowledged and Submitted the dispute : XX/XX/XXXX and XX/XX/XXXX *Resolution Date : XX/XX/XXXX The following accounts have been marked as " verified '' despite my request for proof of accuracy : XXXX. XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$44000.00}. This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX. XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$2000.00}. I dispute the missed payments and late payments on this account. 

XXXXXXXX XXXX XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX account is incorrectly being reported as a charged off account with a balance due. 

XXXX. AXXXX  XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$1100.00}. This account is incorrectly being reported as a charged off account with a balance due. 

XXXXXXXX XXXX XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$240.00}. This account is incorrectly being reported as a charged off account with a balance due. 

XXXX. XXXX XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$76.00}. This account is incorrectly being reported as a charged off account with a balance due. 

XXXX. XXXX  XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$54.00}. This account is incorrectly being reported as a charged off account with a balance due. 

XXXX. XXXX XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$980.00}. This account is incorrectly being reported as a charged off account with a balance due. 

XXXX. XXXX  XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$190.00}. This account is incorrectly being reported as a charged off account with a balance due. 

XXXX. XXXX XXXX Line Of Credit with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dispute the missed payments and late payments on this account. 

XXXX. Public Record from a Bankruptcy chapter dismissed on XX/XX/XXXX. 

XXXX. Public Record from a Bankruptcy chapter dismissed on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over 119 credit inquires on all XXXX credit reports and have several times to get them removed which has impacted my credit score. I have sent letters asking to have them removed and today XX/XX/XXXX nothing has been done. 

I am writing to you for help I look forward to hearing from you. 

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

Based on a review of my credit report, Ive sent the following letter to have the report corrected and all inaccuracies removed, Under FCRA 15 USC 1681 and privacy act of 1974 for the purpose of maintaining the consumer report in premium standard. The following that have been highlighted should be removed as they are considered certificates of indebtedness which is considered income per 26, CFR 1.61 - 12 of the internal revenue, sub, chapter A and 26 CFR 1.108-2 The creditor debtors partnership treatment of value for market value of indebtedness, as equal to the liquidation for value of the debt for equity interest for the purpose of determining the tax consequences of the debt for equal exchange. 
All soft inquiries are unrecognizable and are to be removed per 15 USC 1681 permissible purposes, and the privacy act of 1974. These soft inquiries were not notified of to be placed on my consumer report, or verbally consented to, and should not have been reported without written permission.

The following have been highlighted for removal from the consumer credit report names and addresses for removal as they are incorrect, spelling and non-malleable addresses, all phone numbers highlighted are noncallable and I can not be reached or notified of any changes on my credit report all nonaffiliated, third-party collectors with account numbers and transaction history are to be removed as they are charge off from the original creditor and are considered zero certificate of debt which is income per 26 US 61 where gross income is defined and considered income can not be reported at is a violation of financial transaction to be considered non-public personal information and to be removed immediately.

12CFR 332.10 Limits on disclosure of non-public personal information to nonaffiliated third parties.

( a ) ( 1 ) Conditions for disclosure. Except as otherwise authorized in this part, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless : ( i ) You have provided to the consumer an initial notice as required under 332.4 ; as I was not notified prior to making a record of any accounts or transactional history per the violation, it is to be removed.
Product: Credit card

Subject : Request for Removal of Outdated Accounts from Credit Report Dear Capital One, I am writing to formally request the removal of closed accounts with negative remarks from my credit report. According to the Fair Credit Reporting Act ( FCRA ), negative information should only remain on a credit report for XXXX years. My Capital One accounts have exceeded this timeframe, yet they are still being reported. 

I request that these accounts be removed immediately as they are no longer legally reportable. If they are not removed promptly, I will continue submitting a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for non-compliance with federal regulations. 

Please confirm the removal of these accounts at your earliest convenience. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
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. 


Account name : 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 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

Formal Complaint Regarding Equifax Credit File Inaccuracies and Negligence in Investigation To Whom It May Concern, I am writing to file a formal complaint against Equifax regarding inaccurate information on my credit report, specifically related to accounts attributed to creditor EXTRA. These accounts show identical details, including account numbers, opening dates, and closing dates, which clearly indicates inaccurate reporting. Despite bringing this to Equifax 's attention in disputes filed on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX, the erroneous information remains on my file. 

The inaccurate reporting has severely impacted my credit score, leading to denials for personal loans, car loans, and student loans, hindering my academic pursuits and causing me to miss out on multiple job opportunities. 

I am deeply concerned about the repeated violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by Equifax. The failure to conduct a proper investigation and correct the inaccuracies in my credit file demonstrates a lack of accountability. Unless significant punitive and other damages are imposed, Equifax will likely continue to disregard the laws that are meant to protect consumers like me. 

I demand immediate action to rectify the inaccuracies on my credit report and request monetary relief for the damages incurred due to Equifax 's negligence and violation of federal laws. There's several violations here that the laws require a {$1000.00} in relief to be paid for damages for each time each violation occured. 

As the evidence will show these violations occured several times. 

I implore the CFPB to assert the authority granted to them protect consumers like me. To uphold the law and to use all of the power and resources available to the bearu to hold Equifax accountable by demanding prompt payment of relief be paid to for the damages I had to endure over no less than a 3 year period.