23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX placed a collection on my and my father 's credit reports with all three credit reporting agencies. We have disputed the collection with all three agencies and it was removed from our XXXX and XXXX reports. However, after filing two disputes with Equifax, the collection has not been removed. After speaking with representatives from Equifax, they could not explain why the collection remained on our reports. It should be noted that, XXXX XXXX never confirmed or verified the debt in writing as required by law. This is why we disputed the collection and why XXXX and XXXX removed the collection from our reports
Product: Credit reporting or other personal consumer reports

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. Creditor if The XXXX XXXX XXXXXXXX XXXX  with a total amount of {$4600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I submitted a dispute to Transunion for 2 listed bankruptcies that were being reported on my credit report. They came back verified on XXXX/XXXX/XXXX. This dispute was mailed certified. I spoke with 3 different representatives to see how the information was verified. I was told by 1 person indicated the  bankruptcy court. I went on to tell her I mailed in documentation from the US bankruptcy court that indicated that they do not verify anything with the credit bureaus and do not verify anything electronically. She indicated this has been received. The 2nd person indicated that do not have to give me that information and the 3rd told me I should know who report the information. On XXXX/XXXX/XXXX I mailed in a request for the procedure of verification certified ( Received XXXX/XXXX/XXXX ),  I requested the information used to verify the bankruptcies and the information of who verified the bankruptcy. As of today XXXX/XXXX/XXXX I have not received a response. 

Additionally, I mailed a request to dispute inquiries and update personal information on XXXX/XXXX/XXXX, I never received a response regarding the inquiries as of XXXX/XXXX/XXXX. I spoke with XXXX on XXXX/XXXX/XXXX who indicated that it has been received. I was aware as all of the requested personal information had been updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX said : M & T Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX : As a result of your continuing harassing behavior, and since you do not have any relationship with M & T Bank or occupants of the building at XXXX XXXX XXXX, XXXX PA XXXX, M & T Bank is putting you on notice that you are not permitted to enter the building at XXXX XXXX XXXX, XXXX PA XXXX from this day forward. Furthermore, you are also prohibited from contacting any employee or entity within the aforementioned building in any capacity. If you violate any of these terms, M & T Bank may take such legal action as it deems necessary to protect its interests. 

Respectfully, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX M & T Bank XXXX XXXX XXXX M & T Bank Corporation C : CERTIFIED MAIL RETURN RECEIPT REQUESTED Regular First-Class U.S. Mail Copy to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Partner | XXXX, Pennsylvania Email : XXXX Tel : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX - XXXX XXXX XXXX said : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ph ( XXXX ) XXXX fx ( XXXX ) XXXX EMAIL : XXXX Reply to XXXX XXXX XXXX No : XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Mail , Return Receipt Requested and U.S. Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX Dear XXXX XXXX : This Law Firm represents XXXX XXXX XXXX ( XXXX ) . We are in receipt of a copy of an email which you forwarded and copied to the XXXX XXXX XXXX XXXXf XXXX. In your email, you threaten to bring a lawsuit against XXXX for XXXX XXXX undefined actions which you apparently claim arose in some private dealings you had with him. We write to request that you cease and desist making such unfounded threats. You are not a XXXX policyholder, and XXXX has no relationship with you whatsoever. To the extent that you follow through on your threats and file a frivolous lawsuit, XXXX will seek sanctions in court, including recovery of its attorneys fees incurred in having your suit dismissed. 

You are also instructed not to enter into or upon XXXX  place of business. If you are found at the premises, you will be considered a trespasser and will be reported to the police. 

Please govern yourself accordingly. 

Very truly yours, XXXX XXXX XXXX XXXX By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Floor | P.O. Box XXXX | XXXX, PA XXXX | ph : XXXX | & | XXXX XXXX XXXX XXXX | XXXX, PA XXXX | ph : XXXX | fax : XXXX | XXXX | XXXX   XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Assistant Vice President XXXX and XXXX of Facilities Fax : ( XXXX ) XXXX Cell : ( XXXX ) XXXX After Hrs. Direct : XXXX XXXX XXXX Home Office : XXXX XXXX XXXX P.O. Box XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the fraudulent account currently appearing on my credit report. Despite sending you my previous dispute letter and the required documentation to the Federal Trade Commission ( FTC ) as per your requirements, this account is still being reported on my credit report. I have contacted the bank associated with this account, and they have acknowledged the fraudulent nature of this account so the account was already removed from XXXX and XXXX. I have also provided the bank with all necessary documentation to support my claim. Please DELETE this account : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The public record of XXXX  XXXX Bankruptcy Reference Number : XXXX from the United States XXXX XXXX XXXX XXXX Minnesota Bankruptcy XXXX in XXXX, Minnesota listed on my XXXX XXXX, XXXX and Equifax credit report, is not my public record. XXXX XXXX, XXXX and Equifax states they got the public record information from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  sent me documentation informing me that I dont have a bankruptcy record contained in my XXXX XXXX XXXX file and that they did not verify a bankruptcy record with XXXX XXXX XXXX XXXX or Equifax XXXX The public record information is not my public record or account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute out on XX/XX/XXXX. I have yet too receive a response. I also sent another letter on XX/XX/XXXX I didn't receive a response either. This is unfair. Doesn't make any sense to me how this could be possible or fair.
Product: Credit card or prepaid card

Comenity Bank closed my account without my knowledge. They send frequent emails regarding sales, so communication obviously isn't an issue. 

To my shock and horror, I received an update that my credit score dropped, putting me in the red. I worked so hard to build my credit and they destroyed it. All the company had to do was send an email notifying that the account would be closed due to inactivity.
Product: Credit reporting or other personal consumer reports

According to U.S.C. 7213, unauthorized disclosures of personal information is against the law. This company violated my rights to privacy reporting unauthorized information to my credit report.

( 15 U.S.C. 1681 ) regulates the use and disclosure of consumer credit information. Unauthorized disclosure of such information can lead to penalties and is against the law.

Accuracy and Fairness : The FCRA requires that credit reporting agencies maintain accurate and up-to-date information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Started a family plan with myself and my mother. She was diagnosed with XXXX XXXX XXXX XXXX In XX/XX/2013. I spoke with XXXX on many many occasions notifying them of our situation. The monthly statement clearly indicated there was zero use from XX/XX/2013 until her sudden and untimely death on XX/XX/2013. Documents show I continued to pay In order to keep my phone connected. After all, I just lost my mother who was only XXXX. The reps were plain rude, insensitive and of no help. They refused to allow me to end our plan. I was told verbatim, Do you know how many people fake their parents dying to  get out of a plan? Meanwhile Im sobbing and said check her usage. She has been hospitalized. I had her obituary for proof. I even have her death certificate. And still, XXXX could care less. So much for customer service. They stole from us. I have statements and emails verifying payments were made up until they refused to change our plan. One of their customers was now deceased and it was my word against theirs even though I had proof. And what a shame!! I wonder how many other customers they treat like this? 

Also, I dont see any correct dates for this account on my report. 

I tried calling the debt buyer in hopes of resolving this matter recently at which time I was conveniently dropped from the call @ XXXX and again when I called back and spoke to a different rep named XXXX XXXX XXXX last month.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Act ( CFPA ). Specifically, Cash App failed to take timely and affective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating XXXXm using a 3rd party. I have attached my ID and letters to this complaint for your review
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has incorrectly reported a higher current balance on the mortgage three times in the past four months. After I filed disputes to the credit bureaus they corrected the reported balance to the correct, actual balance. On XXXX XX/XX/2021 they corrected this information. Then again on XXXX XX/XX/2021 they corrected it. And now as of XXXX XX/XX/2021 they are again reporting a balance that is {$12000.00} higher than the actual current balance. Three times makes a pattern, and I am concerned that the company is taking retaliatory steps to try and hurt my credit rating because I am currently in forbearance due to COVID impacts on my employment. If not, then at the least this demonstrates poor practice with handling sensitive consumer data.
Product: Credit reporting or other personal consumer reports

I never filed bankruptcy and its showing on my credit report XXXX not showing it but the other two are
Product: Payday loan, title loan, or personal loan

I have been trying to speak with someone in the fraudulent department of Cash Central for the past couple of months, and I have not been able to speak with anyone. My complaint is in reference to a criminal matter. Cash Central received an application of credit in XXXXXXXX XXXX XXXX under the following names XXXX XXXX and XXXX XXXX from XXXXXXXX XXXX. This loan application included an XXXX account that was opened fraudulently under my name XXXX XXXX. I submitted a complaint regarding that fraudulent XXXXXXXX XXXX Account, and I will attach the complaint and response to this complaint so Cash Central can recognize and confirm that these applications used a fraudulent XXXXXXXX XXXX account that was opened under my name and how I am the victim of these fraudulent applications that have now been turned into a criminal investigation against me. I am extremely upset with Cash Central because of their lack of security for their customers and not verifying bank accounts and the rightful owners are the ones applying for loans, I am now the criminal in this matter when in actuality I am the Victim. I want Cash Central to recognize the GRAVE error they made, and I want an apology and their acknowledgement regarding this matter, and I want Cash Central to make crucial changes in security, identity verifications and bank verifications in real time. This matter will be turned legal if an apology and acknowledgement of their actions are not addressed in a timely matter which is 15 days from the date of my complaint submissions.
Product: Credit reporting or other personal consumer reports

In CFPB complaint XXXX, XXXX XXXX XXXX XXXX they are not obligated to provide debt validation. While I understand that XXXX XXXX is not required to provide debt validation under the FDCPA, I am requesting proof of the account in question, as the information reported to the credit bureaus is unfamiliar and inconsistent. I should not be required to visit a local branch to verify information that XXXX XXXX has chosen to report to the credit bureaus. As the furnisher of this data, XXXX XXXX has an obligation under the Fair Credit Reporting Act ( FCRA ) to ensure that all reported information is accurate and verifiable. If XXXX XXXX can not substantiate the accuracy of this account, I am issuing a formal cease-and-desist request until the matter is thoroughly investigated and resolved. The continued reporting of unverified information violates my rights under the FCRA. Additionally, XXXX XXXX has requested my personal information, including my name and address. This information was included in my initial dispute and attached to the complaint. It appears that XXXX XXXX is unable to produce documentation with my identifying information that would support the legitimacy of this account. The specific information I am disputing includes : Date Last Reported, Date Last Active, Payment History. These details are reporting inconsistently across the credit bureaus, which raises serious concerns about the accuracy of this account. For your reference, I have attached a copy of the specific account details in question. 

Regarding your statement that my dispute was incomplete, I provided sufficient information, including : The account details ( account number and creditor name ). 
The specific inaccuracies I am disputing. 
Supporting documentation highlighting discrepancies in credit reporting. 
It is XXXX XXXX 's responsibility to conduct a reasonable investigation and to ensure that any inaccurate or unverifiable information is corrected or removed. A consumer should not be required to provide excessive documentation to dispute inaccuracies that the furnisher is obligated to validate under the FCRA. 

If XXXX XXXX can not provide documentation proving the validity of the account and the accuracy of the reported information, the account must be removed from my credit report. I expect a resolution to this matter within the required timeframe under the FCRA and written confirmation of any actions taken.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, and Im deeply frustrated as I have no idea why theyre there. Despite refreshing my browser to check for glitches, the issue remains. I urgently request a thorough review of the documents I provided so this can be resolved permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unverified Fraudulent account from the following company : XXXX XXXX XXXX # 6070****on my credit report. I have already filed a complaint with the FTC and CFPB. I was told that I needed a Police Report as well.
Product: Credit reporting or other personal consumer reports

After checking my credit reports I am writing a second time to inform these companies that they are unlawfully reporting unauthorized inquiries on my consumer report. I have not given you permission to access my credit profile. I also do not have any knowledge of these inquiries that have been unlawfully reported, no accounts or contracts are shown for these inquires as well. I have not initiated any transaction with the following accounts : XXXX XXXX ( Finance ) which have been reported twice without my consent. 
XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Furthermore, I do not have an account as defined. 
under 15 U.S.C. 1693a ( 2 ) with these company 's name for review or collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is to report Transunion for horrible customer service and refusing to discuss details regarding my credit report & score. More importantly, Transunion has recently dropped my credit score XXXX points!!!!! I logged into XXXXXXXX XXXX XXXX XXXXo review all three credit bureaus records of my credit reports. NONE of the reports give a detailed account of why my credit scores either increase or decrease with each bureau. ( The XXXX score recently dropped XXXX points. ) I've called Transunion 3 times within the last XXXX weeks to get details on my report and scores prior to the XXXX point drop and the customer service reps would not discuss anything with me. The reps simply told me to look at the online credit report to find answers to my questions. I don't see the point in that when the reports give no details or insight to the activity on my credit reports. The reports are very vague! THIS NEEDS TO BE IMPROVED FOR CONSUMERS. Reviewing vague reports is criminal and limits the consumers ability to build a solid financial future as it relates to credit. The credit bureaus, such as Transunion, are quickly ruining my scores and credit, and I can't get any answers on why or how to fix the problem. I have one revolving account with my bank and 2 XXXX  accounts. I have paid ALL accounts on time over the last 2 years and my credit score continues to SIGNIFICANTLY DROP! XXXX points is inordinate, especially when there is no record anywhere of why! I've worked VERY hard to improve my credit score to above 700. But what is the point if the credit bureaus are inaccurately reporting and inaccurately managing my credit report. It's angering that the credit score points will drop at high numbers, but when a consumer, like myself, does the right things and makes huge efforts to improve credit scores, they increase by one or two points at a time. That is absolutely iniquitous and oppressive! The entire idea of consumer XXXX  scores is criminal and oppressive on its own, but that's another story, for another day. At the moment, I need to know why my score dropped XXXX points, given that I pay my bills ON TIME! And I need to know why the reports don't give thorough details on why scores increase or decrease.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Experian And XXXX on XX/XX/2023, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again DEPT OF ED/XXXX XXXX Balance {$24000.00}.
Product: Credit card

Home Depot offers 0 % interprets rate payments for 24 months for new credit card members who make purchase of more than {$1900.00} in the store. The sale person who helped me opened home depot credit card as well as assisted me with purchase transaction said I was qualified for the promotion and he said it was a great deal. 

I applied for the home depot credit card on that same day which is XXXX XXXX, XXXX and made a XXXX purchase transaction at the store for about {$4000.00}. 

Today, XXXX XXXX, XXXX, I checked my home depot account online and discovered that the 0 % interest promotion under my account is actually 6 months ; not 24 months. I chatted with a representative online who told me that the promotion has ended in XXXX XXXX, XXXX when a 24 months promotion will actually ends next month ( XXXX XXXX ). He also stated that the interested has been charged to my account since XXXX XXXX, XXXX. 

I have only made XXXX purchase transaction on my home depot credit card and this is already my second dispute with Home Depot 's sales tactics with its credit card promotions and offers. Home depot 's practice have been, somewhat, misleading to consumers. I think regulators should seriously look into this issue. The number of complaints of home depot credit card practice to regulators - and that is probably why regulators are not taking a look at home depot 's practice - may be low, but the issue or problem here is legitimate and poses immediate risk to consumers. Home depot should also take my case as a learning experience for them because the way currently home depot does business, specifically in its credit card offering, will hurt their business in a long run. 

Note : my previous compliant to home depot in this transaction also related to their sale 's tactics and it 's new credit car offer program. Home depot said they guarantee their lowest price against other competitors, but they failed to honor their price when best buy actually offers lower price because i have already got some discount on the washer and dryer that I purchased from home depot. As a result, I bought washer and dryer at a higher price when comparing to best buy. I should have gone to best buy instead.
Product: Credit card or prepaid card

On XX/XX/21 my card was charged for {$20000.00} at XXXX different apple stores in XXXX XXXX days after I lost it at a bar in XXXX. I filed a fraud dispute and was credited the amount during the investigation. The bank then returned and denied my claim because I visited the store where the fraud was done and a PIN was used. The amount was put back on my card and is still there now 6 months later with no update to the claim. My response was its a credit card which has no pin and anyone who owns XXXX products which is half the world is subject to going to an XXXX  store. I then filed a police report # XXXX for them to pull the cameras and realize it was not me. Since the police report has been sent over I am yet to get an updated response and removal of the fees. I have called a few times and still no update.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau ( CFPB ) Case No # XXXX and # XXXX. I have contacted XXXX per the instruction in letters on XX/XX/year> and XX/XX/year>, to verify to remove me from this account and delete this account from my credit report. This company failed to follow their own procedure and continue to show inaccurate information on my credit repairs. Please remove me this account from my XXXX, XXXX, and Equifax account immediately. I have followed XXXX steps by contacting XXXX XXXXXXXX XXXX and spoken with a representative and follow up with a dispute to remove.