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

XXXX XXXX XXXX  XXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXXXXXX XXXX XXXXXX/XX/XXXX - no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. XXXX XXXX XXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C . 1681 XXXX XXXX permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Reported for : OVERDRAFTS Date of closure : XX/XX/XXXX XXXX / ACCT # : XXXX / XXXX Charge off amount : {$1300.00} Source of information : FIFTH THIRD BANK ; XXXX XXXX XXXX, XXXX, OH XXXX Reported for : OVERDRAFTS Date of closure XXXX XXXX  / ACCT # : XXXX / XXXX Charge off amount : {$1500.00} Source of information : XXXX XXXX  : XXXX ARROW XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Reported for : ACCOUNT ABUSE Date of closure : XX/XX/XXXX XXXX  / ACCT # : XXXX / XXXX Source of information : XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Reported for ; ACCOUNT ABUSE Date of closure : XX/XX/XXXX XXXX  / ACCT # : XXXX Charge off amount : {$3900.00} XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquirer Date ; XX/XX/XXXX Inquirer ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquirer Date ; XX/XX/XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX On Behalf Of ; XXXX XXXX XXXX  ; XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX/DEPT OF ED XXXX - {$2500.00} XXXX XXXX XXXX/DEPT OF ED XXXX - {$3600.00} XX/XX/XXXX XXXX/DEPT OF ED XXXX - {$3500.00} XX/XX/XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX All inquirers reported to and obtained without my written consent is a violation under the FCRA U.S.C 1681 and aggravated identity theft pursuant to 18 U.S.C. 1028A
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 XXXX 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. 
I need these accounts removed because aren't mine XXXX XXXX XXXX XXXX XXXX XXXX And many more
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize   XXXX   XXXX   to run my credit score on  XXXX   XXXX   2017  ... ..was not present. The bank made a hard inquiry on my credit that dropped it way down. I did not know anything about this or who they did it for but I did not give consent for this. I believe it was for a loan of some sort. I have n't applied for a loan in many many years, and never with this bank.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, XXXX XXXX  of XXXX inu token which worths {$170000.00} as of today XX/XX/2021 was removed from my coinbase wallet without my authorization. subsequently Ive contacted coinbase customer service just to be told to close my account and open another one.
Product: Credit card

Additionally, we had a Discover card in XXXX and closed XX/XX/XXXX. We made payment on XX/XX/XXXX for the total amount plus {$.00} Discover Severely damaged our credit report by administering 1 Late Fee. 

Discover owed myself and wife {$.00}, our credit score was damaged for almost XXXX points. 

That prohibited us from better rates on home loans and credit limits. 

XXXX is processing the removal of the late payment from our credit report however Discover, and possibly XXXX, should be fined for not managing this dispute damaging our credit report without resolve. 

We request a maximum financial fine to the appropriate wrongdoer. 

Respectfully XXXX and XXXX XXXX
Product: Credit card or prepaid card

Since 2015 i have been fighting with some purchases I do not recognize as mine made with an Chase Amazon Credit card. Because I refused to continue paying it after I got frustrated with the procrastination of the company and a lack of reasonable response they closed my account and have been making attempts to collect a balance I do not own, including very annoying collection practices calling me out of business hours, even during weekends, collection letters, etc. On top of this they hurt my credit which brought me a lot of problems and financial hardship worsened by this pandemic crises.
Product: Credit card or prepaid card

Target out in XXXX XXXX someone charge my car out there charge {$1100.00} in my name Target trying to put the charge on me my information was hacked I am not paying for a XXXX. I'm going to fight this and make the world knows
Product: Mortgage

I have been working with XXXXXX/XX/XXXXXXXX on a XXXX renovation loan since XX/XX/. PennyMac bought my loan but I have been corresponding with XXXX XXXX about the renovations. Recently PennyMac sent me a letter stating that I should contact them about my loan. I reached out to XXXX XXXX who sent me back to XXXX XXXX stating that I should communicate with them about my renovations. I received this correspondence in XXXX. In XXXX I received another letter from PennyMac saying that they had not heard from me and that I should contact them again before foreclosure actions were taken. I again reached out to their renovation department via email and I was answered by XXXX XXXX again. I followed the directions in the letter by reaching out to XXXX XXXX and XXXX XXXX but the foreclosure process has begun anyway, despite the letter stating that there would first be an inspection and that I should respond by XXXX. Because of these foreclosure precedings taking place a lawyer was hired at my expense putting me in default of my loan. This is despite my speaking with both XXXX XXXX and PennyMac by their assigned deadline. This is also taking place, although an inspection has not been done, as it said it would be in their letter. 
Due to PennyMac 's actions I am in default on my loan, my credit is being affected, my home is in the foreclosure process and I am unable to refinance or take actions to improve my situation. I am also in arears by over {$5000.00} because of the attorney 's fees and misapplied payments. I have tried to take action on this matter, especially getting my mortgage out of default and XXXX XXXX seems to be holding up the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureau stated the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was reporting accurate and im trying figure how that is possible if the there is not an account # number and the date of last activity is not reporting correctly on all 3 bureaus which is ground for automatic removal. 

They also violated my rights under the 15 USC 1681 section 604A section 2. The law clearly states that a consumer reporting agency can not furnish information on my credit report without my written instruction, and they clearly violated my rights.

They also violated my right under 15 USC 1681 section 611 ( 2 ) ( a ). The law clearly states the credit Bureau has 5 days to notify me from the when they receive my disputes they didnt.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( i ). The law clearly states that if an item on a credit report cant be verified and its inaccurate it needs to be removed.

All in all the point of the FCRA is make sure consumers rights are not violated and the credit bureaus use an E Oscar system to do disputes which is not what is required from them saying account inaccurate and not doing an investigation and have to send me anything showing how they investigated these accounts. See attachments for the account above show how inaccurate they are and was said to be accurate..
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has confirmed payments on acccount ending in XXXX, as a one time debt account ending in XXXX which does not belong to me on XX/XX/XXXX. Before that in XX/XX/XXXX chase said payments were being made from a checking account ending in XXXX which also doesnt belong to me. I have never been associated with the XXXX XXXX XXXX XXXX, CA. XXXX.
Product: Credit reporting or other personal consumer reports

Equifax and TransUnion are fraudulently reporting inaccurate reports to the identity of XXXX XXXX XXXX XXXX XXXX, The Department of Education, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and any and all late payments are in accurate. The alleged accounts all mentioned above been filed to the IRS as a charge off and a 1099c has not been issued to XXXX XXXX XXXX as paid income to none of these credit accounts. 

All accounts that are eligible to be be removed have not been removed. 

XXXX XXXX XXXX can not accurately report to the IRS due to no 1099c being provided to report to the IRS on the behalf of XXXX XXXX XXXX.
Product: Debt collection

I have a payment arrangement with this company. I have made all of my payments since the arrangement started in XXXX of XXXX. 

In that time, however, I have had to call to schedule payments etc. at times because I have several arrangements, and sometimes my cash flow warrants making changes, especially at the beginning of the month when rent is due. 

On XX/XX/XXXX, I called the company and asked about making a reduced payment, and the company obliged to restructuring my plan to {$74.00} a month. I was told at this time, that this would be the last time I could modify a payment ( which I think is wrong as well ) whether I could afford it or not. 

So today, XX/XX/XXXX, was my next payment due. After rent, insurance, groceries etc. I didn't have the funds to pay it. I didn't call ahead of time to ask to reschedule, because based on the comments from XXXX weeks ago, it would not be honored. 

Of course today 's payment was going to be unsuccessful ; the company sent me a text at XXXX this morning advising of this and requesting I make a payment. I also received an email. They also called my sister ( which I feel is unprofessional and unnecessary ), even before giving me a chance to respond ; and it is because of this tactic that I am filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016 I had moved and was receiving bills by mail and didn't receive my bill and didn't know anything had been charged. So payment was late a few times. 

Once I realized that I moved my account online and have not had any problems since. 
I would appreciate taking the late charges off to help my credit score since it is now 3 plus years old. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Thank you for your attention to this!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX is inaccurately reporting derogatory status to the credit bureaus. On my Equifax and XXXX XXXX  reports they are reporting 30 day late payments on XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. To XXXX  they are only reporting 30 days late on XX/XX/XXXX. Pursuant to FCRA 623 ( a ) ( 8 ) ( D ), a creditor is to accurately report to all 3 credit bureaus. XXXX XXXX has failed to do so
Product: Credit reporting or other personal consumer reports

Equifax experienced a data breach that exposed the sensitive personal information of XXXX  of individuals, including my own. I was notified that my personal information was compromised in this breach. The exposed information included my Social Security number, date of birth, address, and credit card information. 

This breach has caused significant concern regarding the security of my financial and personal information. Since the breach, I have taken steps to monitor my credit and secure my accounts, but I remain worried about the potential long-term impact, including identity theft and fraudulent activity. 

I believe Equifax failed to take adequate measures to protect my sensitive information and failed to notify impacted individuals promptly. I am seeking assistance to ensure accountability and to mitigate any further risks to my financial and personal security.
Product: Credit card or prepaid card

I submitted a complaint against  Wells Fargo Bank/credit divi sion on  XXXX / XXXX /  XXXX   regarding issues with our interest rate after opening a checking account. the associate at the bank promoted all the benefits of their credit card ... overdraft protection etc.This evening, X/X/17 ,  Wells Fargo responded to the  complaint basically stating the same responce and wording i 've heard for the last  2yrs.  This was not the result i expected filing a complaint with CFPB and considering wells f argo 's track record over the last 4-5 yrs am very disa ppointed. My main point in this complaint and over the l ast 2+yrs is the bank showing what specific  criteria was used to apply a 26 % interst rate to my account other than to state credit worthyness. As i stated in original complaint and directed at wf associates many times, how was i able to purchase a house at 2.62  % ..15yrs and have a credit score that ranges ar ound  XXXX  and get hit with a 26 % rate on their card. Again with this banks past goals of misleading practices and placing revenue above their customers, i strongly believe this should be looked into further Original complaint #  XXXX
Product: Debt collection

XX/XX/XXXX 1. What is my complaint? My complaint is with Wakefield & Associates. 

2. Here is an explanation of what type of problems I am having, what happened, what company is the complaint about and who is involved. 
Attached is one page of my XXXX report regarding Wakefield of XX/XX/XXXX. Attached is a letter from XXXX XXXX dated XX/XX/XXXX stating this account is paid in full. The attached XXXX XXXX statement is the original amt but Wakefield increased every year up to XXXX. In fact we got several calls telling us to call them. Each time they call they increase the interest year. They all harass XXXX leaving nasty messages on my cell. 

Another account they say XXXX owes is XXXX  XXXX. Attached is XXXX explanation of benefits page and the statement of physicians statement dated XX/XX/XXXX, and an email regarding of the XXXX  amount. 

My wife and I spoke to them about this letter, and mailed them a copy of this letter. They said they will let XXXX know if they agree ; we have not heard from them. XXXX wants this removed from his XXXX  report immediately. Wakefield is also on XXXX XXXX  report. The XXXX  report attached is dated XXXX ; we havent received XXXX report yet. 

Attached is IRS 1095-B Health Coverage showing XXXX had full 12 month coverage for XXXX. 

3. Wakefield collection regarding XXXX  XXXX  XXXX amount {$670.00}. We called this agency they informed XXXX there is no account for XXXX. As you can see Wakefield shows on XXXX  report ( attached XXXX XXXX owes {$670.00}. XXXX is now named XXXX XXXX XXXX XXXX XXXX Theyre number is XXXX. 
Please let us know if you need more information. 

XXXX and I can be reached at XXXX. Our home address is XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX.
Product: Credit reporting or other personal consumer reports

These hard inquiries on my credit report are in accurate and I dont recognize any of them. Here are the following hard inquiries that I do not recognize this is fraud. 


XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a letter to the CRAs regarding a wrong and strange account on my consumer report. To this day, over 90 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly that a failure to investigate these items within 30 days gives a reason to remove those items from my credit report immediately ; it has been 90 days, so they should be deleted promptly. I demand this account be deleted immediately, or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach, and I have gotten into the hands of the wrong person.
Product: Credit card

My parents account was victim of identity theft on XX/XX/XXXX and my mother that paid my credit card on time didn't know till next day when she got an email from XXXX  XXXX saying she made fraudulent Mobile Deposits when she didn't. She immediately took action and XXXX XXXX XXXX  froze the account for her protection and safety. The same time all payments was not going through that account and she advice to contact any company that she wrote cheques or made payments because the reason on th and she called me and told. I called Capital One and advice that problem and i was told on a recording call that would not be a problem I have to wait till the payment is back and they could see. I call again and made another payment with a different account and payment went through and i did all that customer service told me to do and when I called on XXXX XX/XX/XXXX I was told they would be able to reverse the {$29.00} late fee even though I was promised the fee would be waved. I offered to send documentations and a letter from XXXX XXXX TO PROOF THAT IT WAS THE REASON. I paid on time but what happened with the account made that payment go back to Capital One for the reason of the account was froze. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft to report 1 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a CREDIT CARD opened at XXXX  XXXX {$6100.00} on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

This account is over 7 years old, this account is also a fraudulent account, I sent letter several times no response I contacted the credit still nothing has been done. 
JPMCB CARD ACCOUNT XXXX XXXX
Product: Credit reporting or other personal consumer reports

There was a hard inquiry on my my credit report. XXXX XXXX XXXX inquired about my credit and I have not applied for credit. This occurred on or between XX/XX/XXXX and XX/XX/XXXX. 
XXXX credit card.
Product: Debt collection

I have a collection account listed on my credit reports by a debt Collection Agency SPRING OAKS CAPITAL LLC, collecting on behalf of XXXX XXXX is not licensed to collect in the state of Florida and therefore I am disputing this collection account.
Product: Student loan

Between the years of XXXX and XXXX, I was attending XXXX school and obtained private student loans from Discover to help cover the costs of education. I have since graduated and pursued a XXXX XXXX degree, during which time I deferred my student loans. 

Now, I am pursuing a XXXX degree which I started late last year, right after my XXXX XXXX degree ended. Despite multiple requests, Discover keeps denying my request to defer my student loans, even while I am a XXXX XXXX XXXX. 

My current university, where I am pursuing my XXXX, is a world renowned university in XXXX, ranked much better globally than my XXXX, however, Discover denies it meets eligibility for deferment, stating that it will only accept deferments for students enrolled in accredited US based schools. The school is an officially accredited University by the XXXX XXXX XXXX XXXX. 

Note : All my federal loans were easily deferred. 

Discover being unwilling to defer my student loans could force me to drop out of this XXXX program or to fall below the poverty line, having difficulty paying for food and rent, or both.
Product: Payday loan, title loan, or personal loan

MY DECEASED FATHER TOOK OUT A LOAN WITH HIS BANK ( HANCOCK WHITNEY BANK ) FOR OVER {$120000.00} WITH A PENDING BALANCE NOW OF APPROXIMATELY {$110000.00}. MY FATHER PASSED IN XXXX IN WHICH I LEARNED HE LISTED OUR HOME AS COLLATERAL. HANCOCK WHITNEY BANK ISSUED A NOTICE OF XXXX ( ATTACHED ) THROUGH THE STATE OF LOUISIANA, SHERIFF, PARISH OF XXXX IN XX/XX/XXXX FOR MY DECEASED FATHER 'S HOME IN WHICH I RESIDES ALONG WITH MY XXXX UNCLE. WE HAD BEEN LIVING WITH MY FATHER ALL OUR LIVES AND NOW IS UNABLE TO STOP XXXX OF OUR HOME. XXXX XXXX SEIZED MY FATHER 'S ENTIRE BANK ACCOUNT WHICH INCLUDED OVER {$11000.00} INSURANCE CLAIM MONEY FOR REPAIRS FROM HURRICANE XXXX, RETIREMENT PENSION OF APPROX. {$4000.00} PLUS ADDITIONAL MONEY. I HAD TO USE BORROWED MONEY AND OTHER FUNDS IN ORDER TO PAY FOR SOME EMERGENCY REPAIRS AS XXXX EXHAUSTED ACCOUNT WHEN INSURANCE REPAIRS MONEY WAS DEPOSITED. AFTER XXXX BANK SEIZED FUNDS, I WAS UNDER THE IMPRESSION THAT LOAN WAS PAID UP TO DATE AND THERE WAS NO PENDING FEES. MY FATHER DID NOT LEAVE A WILL AND SUCCESSION PROCESS IS STILL PENDING. WE HAVE NOWHERE ELSE TO GO AND MY UNDERSTANDING OF THIS ISSUE IS LIMITED. PLEASE HELP