23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Their investigation came back as verified by XXXX XXXX and having requested my report from XXXX XXXX that information is false. I have attached two screenshots one of the verification method from Equifax and a screenshot from my XXXX XXXX Consumer report.
Product: Money transfer, virtual currency, or money service

BANK OF AMERICA HAS FRAUDULENTLY ALLOWED MY PERSONAL ISSUED GOVERNMENT CHECKS WITH TO BE CASHED WITHOUT MY ( AUTHORIZATION ). I HAVE A STATEMENT FROM XXXX XXXX OF ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS ( FRAUDULENTLY ) CLAIMED TO BE THE LANDLORD OF THE PROPERTY STATED IN A WRITTEN VERIFIED STATEMENT THAT HER BANK DOES NOT REQUIRE ( 2 SIGNATURES ) BUT ON XX/XX/XXXX XXXX THE FEDERAL GOVERNMENT MADE A MANDATE THAT IS WAS MANDATORY FOR ALL CHECKS TO BE SIGNED BY TWO PARTIES. I HAVE A CASE IN FEDERAL COURT ON XXXX XXXX XXXX Of ( ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). BANK OF AMERICA ALLOWED THESE FUNDS TO BE DEPOSITED AND CASHED. I AM SUBPOENAING ALL TRANSACTIONS WITH MY NAME AND ASSOCIATION TO ARKANSAS RENT RELIEF PROGRAM. BANK OF AMERICA IS APART OF THIS *STATEWIDE* GOVERNMENT SCAM. THAT HAS BEEN EXPOSED.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I requested my credit report from all three credit reporting agencies and only XXXX provided me with the report. On XX/XX/year>, I received a message from XXXX XXXX and the message stated that it located my file, update my telephone number and that I would receive my XXXX XXXX report in the mail within 7 days. Equifax has provided me with nothing.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

From XXXX Issues w/ account, kept incurring fees. Always having transaction issues continue to have to go into branch
Product: Mortgage

This is not about applying for a mortgage this is about illegal advertising ( in my opinion ) I'm a XXXX and XXXX of my Listing Clients received a letter that implied that I was mailing them a letter. My name, My company and their MLS number was listed as the return address. It made it appear like I was mailing my client a letter. Within the envelope was his marketing letter which actually mentioned that I was possibly involved in a " conflict of interest '' if I was referring a preferred lender. 

I'm very upset and disgusted that he's using my name to get to my clients and it leaves me wondering how many other listing agents are not aware of his advertising practices. 

In the fine print at the bottom he does say that this info is not from your XXXX - this means nothing my clients already thought the letter was from me using me as the return address. I'm disgusted by this type of bait and switch advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several fraudulent accounts listed on my credit report. I have listed them and also the police report. The first police report had an error. 


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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX XXXX  I made purchase for {$130.00} on XXXX XXXX XXXX. I used Affirm, and XXXXXXXX XXXX policy is no refunds if you use Affirm ( only store credit ). I contacted XXXX 4 times via email and 6 times on XXXX XXXX because my item was not shipped after 5 weeks. They sent me 2 emails with vague/non-committal explanations for why it was late, but no shipping date and no store credit, as their policy states. I opened a dispute with Affirm and they held me liable because XXXX ' policy is no refunds through Affirm. Below are websites showing the site is fraudulent. I provided all my attempted correspondence and the fraud/complaint websites with Affirm, but they still held me liable for the loan. The loan ID is XXXX. Why is Affirm in business with fraudulent websites that steal people 's money and then offer no form of protection? Affirm is acting just as shady as the fraudulent merchant because they are protecting them by citing this ridiculous refund policy. Other websites provide refunds no matter what payment method you use. I have received refunds via Affirm in the past. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute resolution statement from Affirm : Hello XXXX, " This is XXXX from the Affirm Resolutions Team following up on your disputed XXXX, XXXX purchase ( loan ID : XXXX ) that was processed for {$130.00} on XX/XX/. I understand how frustrating it can be when purchases do not go as planned. I do have an update to provide you with on your disputed loan. 

I am writing to let you know that we have closed this dispute in favor of XXXX, XXXX ; you should have just received an automated message indicating the same. I know this is not the resolution you were looking for and want to provide more context. We have made this decision after reviewing the evidence provided and according to their policies, if you decide to use Affirm for monthly payments you will not qualify for a refund. 

We did not receive evidence indicating XXXX, XXXX was working outside of their policy. 

We understand that this may be frustrating news, and apologize for any inconvenience that this has caused. Affirm simply manages the financing of your purchase and to that end, this dispute process ultimately rides on the nature of the merchants policy. As the merchant is operating within their policy, we are unable to resolve this dispute in your favor. "
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third affidavit for this company. Why am I being accused of using a credit repair comapnay. I cant afford a credit repair what in the XXXX do yall need from me to prove I am a victim of identity theft and THESE ARE NOT MY ACCOUNTS? at this point, it seems as if yall are working with the buraues to keep my credit score down. INVESTIGATE AND REMOVE THESE ACCOUNTS
Product: Student loan

I reached out to Fedloan Servicing in early XX/XX/XXXX after I received a letter in the mail dated XX/XX/XXXX stating I was approved for PSLF ( Public Student Loan Forgiveness ) and that my student loans qualified with the XXXX payment requirement. Since then I've tried getting answers about the total student loan payment count as I've been paying on my Student Loans since XXXX. I was inquiring about any student loan refunds that I would be eligible for. Every time I called to speak to someone at Fedloan Servicing, I received different information. Initially I was told that I would be receiving a refund and then more recently I was told I wouldn't be receiving a refund. I was inquiring about the student loan payments I've made over the XXXX payment requirement for the PSLF. I've read I was eligible for all payments made over the XXXX payment requirement. I also read that I would be eligible for a student loan refund for payments I've made during the COVId Relief starting XX/XX/XXXX. I've made payments on my student loans throughout XX/XX/XXXX and made my final student loan payment in XX/XX/XXXX. I've called both Fedloan Servicing ( the student loan servicer who sent me a letter approving my PSLF ) and I've also reached out to American Education Services ( AES ) who serviced my loans since XXXX and have not received any clear answers from either Federal Loan Servicer. I just want to find out if I will be receiving any refunds either from my over XXXX student loan payments or from the student loan payments I've made since XX/XX/XXXX during the COVId Student Loan Relief period. Thank you.
Product: Debt collection

2022 Debt was paid in full XXXX XXXX ( Security Card Service ) I have a balance listed under collections on my credit report
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed three accounts, as well as several hard inquiries, that I do not recognize. Please note that some of these accounts appear only on specific bureaus ' reports, and not all accounts show up across all three bureaus. 

I kindly request that you investigate these discrepancies and delete any of the mentioned accounts or inquiries if they are found in your bureau 's report. 

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


( the hard inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Account, 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.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 1666B : A creditor may not treat a payment late on a credit card account under an open end consumer credit plan as late for any purpose. 

My payment was made 7 days late ( due XX/XX/22, made XX/XX/22 ) for the last due amount and next months minimum payment. This is the only late payment on my account and was not due to financial hardship. I am more than capable of paying all future payments on time. This was a one time situation and it will not happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided each credit bureau ( Experian, XXXX and XXXX ) with a deletion letter for XXXX # XXXX, this account is reporting late payments that are inaccurate for the following dates XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021. I have provided them with the deletion letter twice and each time the investigation come back with the lates still reporting.
Product: Credit reporting 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 privacy and confidentiality under 15 USC 1681. 

Name of Account Account Number XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX **** XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. Stated i have the right to privacy. 

XXXX XXXX XXXX section XXXX A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) section states : no consumer reporting agency XXXX 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 XXXX years. 

XXXX U.S.C XXXX ( a ) ( XXXX ) 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: Student loan

My student loan was recently taken over by aidvantage and the information shown is saying I have twice the amount of loans than what I was originally loaned.
Product: Debt or credit management

I signed up for credit repair and asked them directly if they are just disputing everything on my report. XXXX XXXX representative of the company told me " No '' I then received multiple letters from places I owed money to saying that I disputed that I ever applied for credit with them which is a lie. I asked multiple times for them to stop working on my credit file because what they are doing is fraud. They all said no. I spoke with someone name XXXX who also said no. I was past my 7 days. I have reported this to my credit union as fraud as well and will be contactin local law enforcement. They should be investigated for manipulation, taking advantage of someone with a XXXX and fraud as well. I am also filing with the ADA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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/2023
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and notified your agency on XX/XX/year> about some items I disputed. Care was NOT taken into this matter as it has yet to be resolved in a manner thats FAIR and EQUITTABLE to me, the consumer per the Fair Credit Reporting Act regulations. I mailed off my notice to your agency and you responded with the accounts being verified and currently remain on my credit report. 
I explained the violations your company committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent violating the permissible purpose section of the FCRA. This leads to way of identity theft, violating the block of information resulting from identity theft section, which leads to a violation of the civil liability section of the FCRA. I informed your agency of all of this in my previous notice.

Your agency has clearly refused to obey the law and honor my previous request so I am requesting now a reinvestigation and demanding that your agency to explain your Method of Verification, in verifying these items, pursuant to the Fair Credit Reporting Acts Procedure in Case of disputed accuracy section, 15 U.S Code 1681i ( 7 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company about a late payment that was inaccurate for XX/XX/2020 During the Global Pandemic
Product: Debt collection

I owe a conns bill of XXXX plus I got behind on my payment due to trying to pay for college. I told them I will try to pay when I can and they insist on me giving them my credit card information. I told them no. I will pay when I can. I get calls from XXXX XXXX to XXXX XXXX every day even weekends. I have even ended up in the hospital from all the stress of the calls just non stop but they call from a lot of other numbers to many to add here, from all over the state. I know I owe this money, I am just not able at the time. At this point I stopped answering my phone and have a recording stating my number is on do not call reg. sinse XX/XX/2016.
Product: Checking or savings account

Paypal doesn't allow me to close my account and delete all my data.
Product: Checking or savings account

Fund 's not available in account. Check not available 21 act violations. Expedited funds act violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as XXXX, Equifax, and XXXX Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute the account information listed below that is currently reported on my credit report. I believe this account contains erroneous information and violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Creditor Name : LVNV Funding Account Number : XXXX Amount in Dispute : {$630.00} The primary issue with this account is as follows : Harassment and Unreasonable Communication : The debt collection company has repeatedly called me at unreasonable hours, specifically after XXXX PM. Additionally, I have experienced continuous harassment calls from this company, despite having enforced a cease communication request in accordance with the FDCPA. 

Enclosed with this letter, you will find documentation of the numerous missed calls from the same collector, demonstrating their violation of the FDCPA. This behavior has caused significant distress and inconvenience. 

Given these circumstances, I respectfully request the following : Immediate Removal of This Account : I ask that this account be removed from all credit bureaus to rectify the harassment and unreasonable communication violations. 

I appreciate your prompt attention to this matter and expect a resolution within XXXX days. Please inform me in writing of the outcome of your investigation. Should you need any further information or documentation, do not hesitate to contact me. 

Thank you for your time and assistance
Product: Mortgage

For federal regulators and law enforcement. Wells Fargo continues to send unwanted XXXX notifications in delaying and distracting from answering the questions posed to this criminal company in their violations of federal regulatory law as well as criminal law concerning the Truth in Lending Act ( TILA ) and various other regulatory violations as well as criminal fraud and money laundering. They distract and delay answering these questions as it will expose their criminal activity and the activity of Wachovia Bank in 2007 when banks were making windfalls on refinance loans disregarding rules and regulations, competence in transactions by their employees, and fraud to the American consumer. By the shear volume of these refinances and the money that was made, these banks exposed themselves to their shoddy workmanship and to remedy blamed the customers for their mistakes. 

Questions were : 1 ) Why did Wells Fargo sue my person when their acquired bank made the mistake in not requiring a XXXX   balance HELOC not be closed prior to closing knowing the account existed as reported on the credit report and by customer that it existed. Customer paid {$380.00} for that credit report and is the responsibility of the lender to underwrite such disclosure? 2 ) Why did Wells Fargo not notify attorneys of borrower and defendant in their lawsuit against borrower that they dropped their frivolous lawsuit and sold the mortgage to XXXX XXXX as required by federal law? 

Wells Fargo is deliberately trying to confuse and deflect their liability, both civil and criminal, by delaying and reiterating their false narrative to the CFPB and the OCC. I would request a formal investigation by the US Department of Justice and the OCC to begin to expose the criminal behavior of this bank, Wells Fargo and other banks including Wachovia who committed crimes out of greed during the housing bubble.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX : {$30000.00}.
Product: Credit reporting or other personal consumer reports

I submitted a request to correct and accurate credit report. XX/XX/2023 and I'm still seeing inaccurate information.
Product: Credit card

I am an XXXX XXXX member of the XXXX XXXX and have been XXXX in Louisiana since XX/XX/XXXX. As such I qualify for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I applied in XXXX XXXX XXXX  through my bank ( Navy Federal Credit Union ) and the application was accepted. Proof of XXXX  in the form of a Leave and Earnings Statement was provided, along with a form provided by Navy Federal Credit Union. I also have direct deposit set up with them. I was told it would be several months to receive a response and now XXXX  months later ( XXXX XX/XX/XXXX ) I was told my application was denied. Had I known this I would have sent additional proof but I was never made aware. As of today the message thread in the Navy Fed mobile app was deleted. Their policy is to delete old messages and I have no proof of my submission other than verbal confirmation over the phone that I received today. 

As a result of their inaction I have been paying a substantially higher interest rate on my Navy Fed credit card. After re-submitting my application today I was told it would take XXXX  days to process, followed by approximately XXXX more days to receive any money owed to me. XXXX  days is too long to wait.
Product: Payday loan, title loan, personal loan, or advance loan

I was unable to make the payment. Now 4 years later my wages are being garnished
Product: Credit reporting, credit repair services, or other personal consumer reports

( DISPUTE CODE - XXXX  ) ( DISPUTE CODE - XXXX  ) My personal information was stolen in XXXX, since that day Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate inquiries and addresses I have listed, the following includes : XXXX XXXX  : XXXX XXXX : XXXX-Equifax XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX-Equifax XXXX XXXX  : XXXX XXXX XXXX : XXXXEquifax XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXX  XXXX XXXX-Equifax XXXX XXXX XXXX  XXXX-Equifax XXXX : XXXX-Equifax XXXX XXXX XXXX  : XXXX-Equifax XXXX  : XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Equifax XXXX XXXX XXXX-Equifax XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXX 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 handwritten instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.