23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing a complaint against Equifax for failing to propery 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 did not give permission to this company to have this report. 
You have no legal authority or permissible purpose to place any account in my consumer reports pursuant to 15USC 6802. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Phone voice mail call received on XXXX XXXX from a " XXXX '' said he works for a company " First Source Advantage, LLC '' in regard to a unpaid debt. He left a callback number XXXX and a case number XXXX. 

I am a federal employee and have been involved in XXXX data breeches over my carrier. My SS number was used in a fraudulent tax return in 2013. 

I researched this company and it has been associated with fraud. Contacted FBI and they referred me to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX , XXXX Last reported XX/XX/2020 {$8900.00}
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX BALANCED {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020I sent a letter certified mail to the targeted company stating there is a number of 'alleged ' student loans listed on my credit report and I do not recognize any of them and am requesting that are deleted per FCRA 623. For which they have been directly negatively effecting me and are starting to cause damages to my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX being the supervisor, the player for a White XXXX Reporting organization in collaboration with Equifax is attempting to put their White XXXX knees on the back of my XXXX XXXX XXXX XXXX XXXX, but as a XXXX for XXXX justice, I Fight Back! Im a XXXX & Veteran! Now I ask this White XXXX organization XXXX XXXX to RELEASE a copy of my Tri-merge that was ran on XX/XX/2021, XXXX of XXXX Mortgage Company is the Lender. XXXX XXXX removed my XXXX account number XXXX Paid XXXX Mortgage, WOW can you believe a XXXX man PAID off a Mortgage buddie Roll, this is funny! XXXX XXXX, get my XXXX Mortgage loan back on my Credit Report, get me a XXXX  COPY of my Tri-merge, Hey XXXX XXXX I told you and Equifax that you folks are going to make me a Millionaire! Attached is a copy of my Drivers license, also my Settlement sheet showing that Ive PAID OFF my Mortgage, Equifax you XXXX XXXX XXXX are Not in charge of me, in Federal court I make you talk, and the Consumer Financial Protection Bureau is going to be my Star Witness, also attached is my latest Winnings, the Georgia Lottery, XXXX Life is Good! Hey XXXX XXXX XXXX Equifax, XXXX and XXXX you do know Ive got the Money to Pay off these Charge Offs! Hey XXXX XXXX get my XXXX addresses correct XXXX and the spelling of my name, attached is my Georgia Driver license : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Equifax and XXXX, playing with my name, addresses and accounts hasnt STOP my Consumer POWER as a Powetful XXXX Consumer Leader, Im Winning baby! Oh and XXXX XXXX, that Chimes account better get updated, oh and that XXXX XXXX account, purge this bull, XXXX XXXX, XXXX remove this XXXX LOL, this funny, XXXX XXXX  account, purge, XXXX purge, Ive got a copy of this letter whereby I made each TradeLine agree to purge each TradeLines, but XXXX XXXX Hey XXXX the testimony of the Consumer Financial Protection Bureau is going to make me a Millionaire WOW $ $ $ . Hey Consumer Financial Protection Bureau this is a Mortgage loan in process, timing is very important for me as a XXXX Mortgage applicant, WOW, Im Winning, the testimony of HUD is going to Powerful. See if I hadnt been a XXXX XXXX XXXX, XXXX XXXX XXXX player in the Financial game and investigated the FCRA, the Fair Credit Reporting act & the Fair Credit Billing act, XXXX I would be taken advantage by ALL White XXXX organizations, both State & Federal. See what Im doing is for other XXXX Consumers that dont know how to XXXX Fight Back and dont know how expose White XXXX and get PAID. Its time to take this Money for XXXX & ignorant White XXXX by each Reporting Agency!
Product: Credit reporting, credit repair services, or other personal consumer reports

I uploaded all documentation of my current address and I called 3 times each time the reps assured me that they are attaching the docs and it will be updated, they even wrote on one of the outcomes that the address change requested was updated. 
Now since my address got off my report ( a few months ago ) I can not obtain a credit report for my mortgage lender... I am Stuck! 

I tried 3 times as mentioned I hope they will help me now
Product: Credit reporting or other personal consumer reports

RE : You Violated U.S. Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) by Furnishing Reports in Connection with Credit or Insurance Transactions Not Initiated by the Consumer.

To Whom It May Concern After reviewing my consumer credit report, it is clear your agency is in multiple violations, and I am entitled to monetary compensation under FCRA 15 U.S. Code 1681s-2 and 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Your agency has furnished reports in connection with credit or insurance transactions not initiated by me, the consumer. The law is explicit : ( A ) The consumer must authorize the agency to provide such a report.

( B ) ( i ) The transaction must consist of a firm offer of credit or insurance.

( 3 ) A consumer reporting agency shall not furnish a record of inquiries in connection with a credit or insurance transaction not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( 2 ), any person obtaining a consumer report under pretenses or knowingly without a permissible purpose is liable for actual damages or {$1000.00}, whichever is greater, plus punitive damages as the court may allow. I did not initiate any of these inquiries. If you believe otherwise, provide me with copies of my written consent. The following items must be removed from my consumer report immediately under 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ) : XXXX XXXX XXXX XXXXXX/XX/XXXX My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report! 

XXXX XXXX XXXX XX/XX/XXXX My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report! 

XXXXXXXX XXXX XXXX  XX/XX/XXXX My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report!
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX. According to my records, a late payment was reported for my account number:XXXX in XXXX 2018 . This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the XXXX 2018 late payment from my credit report. I further request that you notify the credit bureaus ( XXXX, Experian and XXXX ) of the removal of this incorrect information. 

Please confirm in writing the removal of this information from my file within XXXX  days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. 

I appreciate your prompt attention to this matter. 

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

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX Account number : XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried and tried to get a response from Experian to remove these inquiries. I haven`t done business with niether of these companies and nothing is working as a consumer I have the right to have my credit report accurately reporting information that is 100 % correct. the following inquiries is what I have a problem with 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 XXXXXXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion should not be reporting a charge off in the amount of {$15000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have been working with XXXX XXXX XXXX XXXX and the XXXX account was settled in XXXX, 2020 and should be updated to report a {$0.00} balance. I have attached documentation for reference that this account has in fact been settled. This false reporting of a charge off is seriously harming my credit score and this line item needs to be updated and/or removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit card

i used a credit card in PAYPAL to pay for a product on XXXX. The seller never shipped the item and i never go the item paid.. I could open a case on paypal to get money back.
Product: Bank account or service

In XXXX 2016 was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX Citi ThankYou points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. 

After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 

I confirmed with Citi on Multiple occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) that I fulfilled all terms of the offer and to expect my bonus. 

Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement.
Product: Debt collection

Greetings, Property, : XXXX XXXX XXXX, XXXX Texas XXXX You may have to open another category for such a Misrepresentation of facts and complaints. 
As an investor who purchased a property from XXXX County Constables Foreclosure Auction located in XXXX Texas on XX/XX/2018 Im contacting your office asking for assistance. 
This is about attorneys ( Linebarger Goggan Blair & Sampson, LLP ) which representing the XXXX County at least in this matter. Misrepresentation of fact and or mistakes has happened which is outrageous and despicable. 
This law firm representing XXXX County constables foreclosure auction which take place on first Tuesday of every months and this law firm is responsible party for all legal work and data presenting to constables for all eight ( 8 ) Precincts for Auction. 
This is about a house which was sold in the same auction for a value based on what it has been apprised by XXXX County appraisal district ( XXXX ) ( attachment1 ) and Daily Court Review News paper release ( Attachment2 ) and their wide screen monitor. 
the picture of house shown in the picture ( attachments3 )  MYSTERIOUSLY THE HOUSE DOESN'T EXIST but a empty lot. 
Obviously the law firm didnt correct the fact and irresponsibly sent the incorrect information to constable, as constable informed me. 
I have called the law firm and spoke to person named XXXX few times he agreed with me however he didnt have any authority to rewind the sale or offer any solution except asking me to talk to attorney in charge Ms. XXXX who refused to come to the phone to talk to me. Then XXXX asked me to write her a letter and I wrote three letters one certified mail and two e-mails explaining the problem but Ms. XXXX sent me an e mail and offered no solution. 
I understood attorney XXXX is the attorney in charge of this matter and she is not willing to admit her mistake and misrepresentation of the fact. 
I went and met Sergeant XXXX who is the head of XXXX county constable foreclosure auction for XXXX XXXX ( where the property was bought ) and he is the in charge officer who sold the property to me as a higher bidder, Sergeant XXXX agreed 100 % the mistake or misrepresentation has occurred by Linebarger Goggan Blair & Sampson, LLP law firm and they are the one who need to correct or rewind the sale, but attorney XXXX refused to do anything about it. 
At this point I contacted your office ( CFPB ) to file a complaint and the lady at your office asked me the it is better to file complain on line. 
Your assistance in this obvious wrong doing is greatly appreciated, For any additional information please call or e-mail me, Thanks, Regards, XX/XX/2018
Product: Credit reporting or other personal consumer reports

my account was never late i had exceptional payment with history with XXXX  XXXX and all payments were placed on autopay. this late payment that is reporting is a result on a systematic error processing my payment. 

this was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living, and to my family!
Product: Credit reporting, credit repair services, or other personal consumer reports

-My wife and I had separate accounts with XXXX XXXX, XXXX. XXXX XXXX XXXX, Nevada. 

-Due to hardship circumstances we declared a Chapter XXXX Bankruptcy ( BK ) in XXXX. 

-Under the BK rules all creditors were asked to file " Proof of Claim ''. 

XXXX XXXX filed two ( 2 ) proof of claims ; one in the amount of {$380.00} ( act # xxxx xxxx xxxx XXXX and the other for {$330.00} ( act # xxxx xxxx xxxx XXXX. ) -Under the Court approved plan, both amounts were paid in full on XX/XX/XXXX ; a total of {$710.00}. Thus the debts were satisfied and discharged by court decree.

-However XXXX XXXX sold the debts to their own Collection Company ; XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC. 

-LVNV has reported the debt to all agencies as delinquent, thus negatively affecting our credit score. Moreover, XXXX has been harassing us in an attempt to collect the debt which was paid and we no longer owe. 

We are seniors on fixed income trying to get a fresh start. 

Please help us. Thank you XXXX & XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs 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, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had made a payment on my due date but after the cut off time to be posted on the due date. I had never been late before and hence never requested the refund of the late fee. I have been furloughed due to XXXX and was trying to explain it to the customer service representative and the supervisor. The were not understanding and been rude about that they cant do anything about the refund. Additional to that I have been charged the minimum interest charge of XXXX cents each month ever since starting XX/XX/XXXX. Was trying to explain it to service representative but was getting something about that i get charged the fee no matter what because of the transaction I made. I told the representative I did a balance transfer and had not done any purchases ever since and was meeting my minimum payment requirement and hence should not had been charged the fee especially if I am paying the amount in full by the due date. The supervisor was flat out rude and the service representative was asking why do I want the refund of late fee? Really? Why do one even ask for a late fee refund? What kind of question it is? The late fee was charged on XX/XX/XXXX. The additional minimum interest charge was charged on the account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I had called in XXXX twice. The second time was on XX/XX/XXXX at XXXXXXXX XXXX, XX/XX/XXXX at XXXXXXXX XXXX. I would like to get the refund of {$29.00} late fee and the minimum interest charge fees of {$1.00} as the representative could let even explain how and why did I got fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 
This has caused me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I cant apply for credit, my ability to apply for credit is tainted, I cant receive any SBA LOANS.
Product: Credit reporting or other personal consumer reports

Experian will not remove an account that contained fraudulent transactions, despite being provided with a police report, creditor statements, identification and timeline of events. This account is XXXXXXXX XXXX, and Experian is refusing to remove the account despite the fraudulent activity. The account has since been closed. Consumer ( myself ) is requesting that entire account is removed and that all information provided by consumer towards the dispute is utilized. Experian is defaulting to creditor information that is also incorrect. Experian has failed to properly investigate this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent these accounts XXXX XXXX XXXXXXXX, 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX has all violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting

I have several account that are reporting on my credit file incorrectly. 
1 XXXX XXXX have me listed as late never late 2 XXXX fraud account not mine 3 XXXX XXXX fraud not mine 4 XXXX XXXX fraud not mine 5 bankrupcy not mine must be mixed file