23daVinci/CFPB_Complaints huggingface dataset:
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 Report Act ( FCRA ). 15 U.S.C s 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C s 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs 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. These are the accounts I marked as inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I paid off my XXXX XXXX account back on XXXX XXXX, 2017 for a total payment of {$120.00} + a {$3.00} fee = {$120.00}. I submitted the proof of payment in a dispute to Experian on X/XX/2017 and again on X/XX/2017 to remove this item from collections on my credit report. Both times they sent me back a new credit report with the XXXX XXXX account still in collections. This is harming my credit score and I 've paid this account off completely. Thank you, XXXX
Product: Credit reporting or other personal consumer reports

I have been trying to remove the suppression on my TransUnion credit report for several months, but I have been given incorrect information multiple times, preventing me from accessing my credit. 

I initially called TransUnion multiple times, and they requested that I submit my personal documents ( government ID, Social Security card, and birth certificate ). They provided me with a mailing address to send these documents. After waiting a month with no response, I called to check the status of my request. I confirmed the address I was given, only to be told that it was incorrect. 

I was then instructed to send my documents via email instead. However, after doing so, I received a response stating that I had sent them to the wrong TransUnion department, even though I followed the instructions given by their customer service representatives. I have been calling almost every week, and each time, I receive different instructions. 

As of today, my credit suppression is still active, and I am unable to apply for any type of credit, loans, or credit cards. TransUnions lack of clear communication and failure to resolve this issue has severely impacted my ability to manage my financial life. 

I am requesting immediate action to remove the suppression on my credit report and a clear resolution to this issue.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security XXXX : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint.

This fraudulent, inaccurate, and false information includes : A personal credit card account opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX, with a balance of {$320.00}. 
A personal credit card account opened at 1st Credit Card Service on XX/XX/XXXX, under the account number XXXX, with a balance of {$190.00}. 
A collections account opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX, with a balance of {$2500.00}. 
A collections account opened at XXXX on XX/XX/XXXX, under the account number ( private ), with an amount of {$690.00}. 
Additionally, the following hard inquiries on my credit report are fraudulent : XXXX XXXX XXXX I have attached a copy of my consumer credit report maintained by you, showing the aforementioned fraudulent items, as well as a detailed list of the hard inquiries in question. 

I do not recognize these accounts, collections, or hard inquiries as reported. These items were not opened, made, or initiated by me, and they are the result of identity theft and fraud. 

As further proof, I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) filed with the US Federal Trade Commission, confirming that these consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX  XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These errors where sent on numerous of times and nothing has been done. I have sent letters to each company as well and nothing was even responded to. I have to seek and go the legal right I will. I have been reaching out for 6 months now. Also I sent a complaint through here On XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Below is the letter I wrote to Bank of America disputing two 'refunds ' to my credit card account. I did not request these refunds. 

'Bank of America XXXX BK Notice XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : Notice of disputed charge to personal credit card account Dear Billing Inquiry Division, I am writing you to dispute the listed charges/refunds below. 

First disputed charge : Transaction Date : XX/XX/XXXX Posting Date : XX/XX/XXXX ACH PAYMENT REFUND Reference Number : XXXX Account Number : XXXX Amount : {$2900.00} [ The card holder ] does not know what an ACH PAYMENT REFUND is. He never received authorization, an email, or text for approval of this transfer from Bank of America. 

Second disputed charge : Transaction Date : XX/XX/XXXX Posting Date : XX/XX/XXXX ARC PAYMENT REFUND Reference Number : XXXX Account Number : XXXX Amount : {$2000.00} [ The card holder ] does not know what an ACH PAYMENT REFUND is. He never received authorization, an email, or text for approval of this transfer from Bank of America. 

I spoke with a telephone operator on XX/XX/XXXX, to dispute these ARC payment refunds, and they said this was money that was supposedly taken out of my credit card account and deposited into a XXXX Bank in Ohio. I do not have an account with that institution. I received an email from Bank of America on XX/XX/XXXX, asking me to rate my conversation with XXXX. I thought this was a general Bank of America email so at that time I did not open the email. I never spoke to a XXXX on that date or anyone else at Bank of America. 

After no contact from Bank of America for almost a month, I received another credit card statement that retained the same disputed dollar amounts on XX/XX/XXXX. I spoke with another representative on XX/XX/XXXX, and she thought that the money was transferred via an XXXX XXXX account. I do not have an XXXX XXXX account set up that I am aware of. She also mentioned that the money was potentially transferred by a XXXX XXXX at Bank of America. This same operator said the paperwork for this correction was filled out back in XXXX, but never actually submitted and that this was a mistake. She told me that she had corrected that mistake and would make sure the paperwork was submitted at that time. 

I have included copies of my last two statements for your information. Please let me know if you require additional information. 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. On XX/XX/XXXX, I terminated my credit card account resulting from this matter. ' On XX/XX/XXXX, the card holder terminated all accounts with Bank of America as a result of their lack of response to the complaint. I was a customer for 37 years and never missed a payment.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the FAir Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The COnsumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed information outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence i provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I sent a letter to received validation for an account on my credit report under XXXX XXXX. I never received a response, and I just checked my new credit report and not XXXX, TransUnion, or XXXX updated this to in dispute. I know that this is against the law.
Product: Debt collection

We have received phone calls to our business from Ally Financial ph # XXXX repeatedly for two weeks and every time I pick up, they hang up on me. I called them on XXXX XXXX and asked them not to call because the previous owner they are trying to collect money from does not have that same number anymore. They assured me that our number would be removed from their list. We have received four more calls since the day I called.
Product: Checking or savings account

This is related to Capital One and their horrendous customer service. I purchased a container of furniture for my business from XXXX using a money wire service called XXXX. The amount was {$10000.00}. The product was grossly misrepresented so I reached out to the manufacturer who refused to answer my questions about the product. He even kept eight of my chairs and didn't tell me they were on the container until I asked where they were. Long story short, I filed a claim with Capital One and they sent me an email saying the provisional credit was mine to keep and the dispute was now closed. But then two days later they send me another email and said they'd be removing the funds from my account. They didn't give me any documents or reasoning. How can they do that?! Bad business and unethical. I'm pissed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unable to obtain a credit report from Transunion due to an " error ''. Once I signed up for their paid service, I was able to obtain a report but every time I attempted to dispute the report for inaccurate information I got, conveniently, another " error '' message. The features are not working on their website and it was supposed to be a 7 trial period for the paid service. They charged me immediately. There is no way to actually speak to anyone. I was on hold for 3 hours and no one answered and then I was cut off. There is no way to email or instant chat with the company. How am I supposed to dispute my credit? How am I supposed to get a refund? Their customer services are circular with no way to actually communicate directly with them. We are supposed to use the mail as though this is 25 years ago. With the mail I have no way to take of this expeditiously. I want to take advantage of low mortgage rates but their option for me dealing with inaccuracies will literally take months!
Product: Debt collection

I have disputed this debt twice and this company fails to provide me with proof in writing that this debt belongs to me. I have not had a contract with XXXX, who is the original creditor, since 2008. I have a right to obtain tangible proof which I have not received and this is really hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX last year Transunion credit report showed me with a past due bill which I was not aware of and was able to dispute with the creditor my XXXX XXXX XXXX. 
Before that my credit score was 800+ and for that reason it wen down to XXXX or so. 
I opened a dispute with XXXX  and Transunion credit agencies on XX/XX/XXXX after I got a letter from the creditor that my balance was corrected and my account was cleared of the error. 
In XX/XX/XXXX Transunion confirmed to me that my dispute was approved and the credit issue was corrected. 
in XX/XX/XXXX I applied for a mortgage refinance loan and received a credit report and score from Transunion of 690-720 depending in where and who you ask. 
My credit score with XXXX  showed 800 plus and with XXXX  XXXX so I called Transunion customer service and asked for an explanation, they confirmed to me that my dispute was resolved but that my credit score was right and they refused to correct it and at the same time billed me for reviewing my credit score 24.95 plus taxes for the favor.

I cancelled the monitoring servie that I supposedly signed form and they returned the fee. however my credit score is still showing me with a high risk low credit subject.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX in the aftermath of Hurricane Irma offered us a repayment plan in XX/XX/2017. We only took advantage of this repayment plan because our understanding was that it would have no negative implications. Fast forward to today, we are now faced with not being to refinance our XXXX because XXXX XXXX in fact did report us as being late on payments on this " repayment plan ''. 

Be advised, if you are requesting a repayment plan due to a catostophic event, like Hurricane Irma, there is in fact negative reporting done by XXXX XXXX in what is called in the Industry a Verification of Mortgage.
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. 

XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX {$200.00} XXXX. XXXX XXXX XXXX XXXX XXXX = {$110.00} XXXX. XXXX XXXX XXXX XXXX XXXX = {$170.00} XXXX. XXXX XXXX  = {$950.00} XXXX. XXXX XXXX = {$300.00} XXXX. XXXX = {$300.00} All of these accounts has violated my rights as an consumer 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 Section 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) (! ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I presented a Lost Check Bond to the bank, as they refused to issue a new cashiers check to replace a check that was lost. They said I could not have the check replaced without this bond. After waiting days the bank never contacted the maker or myself about the new check that was to be issued. He, the maker, waited for 2 hours in the bank and was told to " go home ''. 2 days later we found the check. 

We contacted the bank to get our " original bond documents '' back, a pretty simple task just put them in the mail, and they have refused to return calls or return the bond. 

Lost Cashiers check # XXXX Contact at the Bank of America : XXXX XXXX : Phone Number XXXX Bank of America XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX ( XXXX : XXXX ) from a private seller on XX/XX/XXXX via a loan from XXXX XXXX XXXX. 

On XX/XX/XXXX I woke up and the vehicle was gone from my residence. I tried to file a police report assuming it was stolen and the XXXX was ran and came back as repossessed by Ally Bank. 

I have no connection to Ally Financial, nor does the seller. They have offered zero help and have just taken my vehicle with zero notice or warning and now XXXX is asking for the money they lent out back. 

I am up to date on all payments and did not do anything to warrant a repossession of my property, nor was I warned of this happening. 

It may be important to note that the person I bought it from purchased this vehicle from an auction by the XXXX XXXX  XXXX. 

The vehicle DOES have a lien on it from Ally Bank but it does NOT involve me or anything I have done so I was hoping they would help me and they have offered nothing. Now I am out a vehicle and potentially money I dont have. 

Ally should be held accountable for taking my vehicle from me.
Product: Credit card or prepaid card

XX/XX/XXXX I deposited {$500.00} into Bank of America ATM, accepted my $ but did not deposit into my acct. I reported it on XX/XX/XXXX, went to the Bank on XX/XX/XXXX and they admitted they have an overage of XXXX on XXXX ATM Ledger Supposedly a case # was assigned. Bank said it would take48 hrs. ATM Co said 10 days. I called everyday since XXXX being put on hold each time for 30 mins. Everyday they said they are looking into it. Yesterday they said they didn't start the case until XX/XX/XXXX. I talked to 5 different people and they all said they are working on it. One phone call to the Bank would solve the problem but now they are saying at least another 10 buss days.The Bank wont do anything but acknowledge the XXXX overage.It has already been 13 days with no results. Don't trust Bank of America
Product: Mortgage

In XX/XX/XXXX, I applied for my mortgage company to remove the PMI off of our home and was told my the company who services our mortgage, Seterus , Inc that I would need to order an appraisal. I agreed. We received an appraisal and Seterus indicated that the PMI cancellation was denied because my LTV should have been at 77 %. I always thought that it needed to be at 80 %. Anyway, they asked that I pay in excess of XXXX to cancel the PMI or wait until XX/XX/XXXX and the PMI would automatically cancel from the home. In XX/XX/XXXX, I spoke to a supervisor by the name of XXXX in their Oregon office and he reassured me that the PMI was scheduled to cancel on XX/XX/XXXX and provided me with my new payment which was {$140.00} less than the actual payment. When XX/XX/XXXX mortgage statement arrived, I noticed that the payment had not dropped the PMI. I called Seterus and now their saying they did not drop the PMI cause my home is listed as an investment property. This information is far from the truth and they are not willing to drop the PMI off of the home for their own selfish reasons and I need help on them honoring their letter.
Product: Checking or savings account

We put a check in the bank to see if it was a fraud check and with this being the first one to be put in there they closed my wife 's account due to it I will never again deal with wells fargo they are a corrupt bank because their fraud department is a joke all other banks would have called and told us that the check was a fraud check and took it on their behalf and files a fraud report with it but not wells fargo they closed down my wife 's account and that was the only way we had to pay our room rent.