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

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year> a new collection was added to my credit report with the 3 major credit report. The account was opened fraudulently by a third party as part of an identity theft. I contacted the original creditor listed ( XXXX XXXX ) to explain same. I filed an identity theft claim with the FTC and my local police department ( XXXX Police Department ). I sent copies of these reports as well as all other info requested to XXXX XXXX at the link provided as well as to all 3 major credit bureaus as part of disputes on XX/XX/year>. The 3 major credit bureaus have refused to remove the fraudulent account that was opened using my stolen information. I have complied with everything asked of me as part of this identity theft and in accordance with the Fair Credit Reporting Act the creditor has violated my rights under : 15 U.S.C 1681 section 602. The consumer reporting agencies have furnish an account without my written instructions and refuse to remove the fraudulently opened account. The Police report provided by the XXXX Police Department provided is # XXXX. Also attached are the identity theft report filed with the FTC. The credit reporting company Equifax just updated the report noting that it changed ownership to a collection agency rather than removing it. The credit reporting agency shows as XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX
Product: Credit reporting or other personal consumer reports

A hard inquiry was added to my credit report on or about XX/XX/2024 from a bank in which I did not apply for. The telephone number attached to that inquiry has been disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

CITIMORTGAGE Reported a late payment to my credit report back in XXXX 2016.  The account was never late and when I contacted them about the error, they started that my payment amount had gone up by a few dollars but they never notified me of the changes because my payment amount had been the same for eights years and they cashed the check that was sent in as it was every month This caused my credit score to drop and it has been very stressful trying to get this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 1 ) XXXX, Equifax, and XXXX  ( " the Bureaus '' are credit reporting companies. 
The information that they obtain which is actionable under the FCRA is from credit furnishers. 
( 2 ) In XXXX, I disputed information about a bankruptcy being reported by the Bureaus. 
( 3 ) XXXX resolved the dispute by stating " verified by the United States District Court. '' This statement was patently false. As a matter of law, federal courts neither furnish nor verify personal case or bankruptcy information to credit bureaus. 
( 4 ) On XX/XX/XXXX, I submitted a " dispute '' online with XXXX  and XXXX  stating that since federal courts do not supply or verify information to credit bureaus, the Bureaus either never verified the accuracy or obtained the existence of the public record through a data source.

( 7 ) This circular process violates my right to accurate reporting by the Bureaus and their opaque but intentional disregard for the FCRA and related doctrine. 
( 8 ) The irony is that I provided the Bureaus, via certified mail, copies of my bankruptcy for the purpose of the Bureaus deleting three accounts by XXXX that are labeled " education loans '' but were determined by the federal courts to not be exempt from Chapter XXXX discharge. The Bureaus ignored the bankruptcy documents, since then these agencies found it not strange that XXXX has changed the status on the challenged accounts about six times in the last 7 weeks.

( 9 ) The CFPB has failed its duty to protect consumers against crafty Bureau policies that side-step federal law out of allegiance to corporate data furnishers. These Bureau tactics have a sweeping impact on interest rates, our nation 's economy, and have cost me tens of thousands of dollars in interest and overpayment for goods due to the rating of these Bureaus.

( 10 ) The CFPB should undertake a joint study with Congress on how to minimize Bureau abuse and avoidance of responsibility for their meaningless dispute process.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These Hard inquiries was not authorized according to consumer law 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter These Hard inquiries listed below were unauthorized : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app. Due to inadequate customer service and unfair practices. Which violates the consumer financial protection act ( cfpa ). Specifically Cash app failed to take timely and effective measures to 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 and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 in accordance with paragraph ( 5 ), 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. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XX/XX/year>
Product: Mortgage

I was denied for a loan modification by Wells Fargo. It took them months of back and forth until they finally made a decision to deny my loan modification. It is an FHA backed loan. They didn't give me a reason, state that I have {$0.00} in income after I provided paystub upon pay stub. I provided bank statements, tax returns. I asked on numerous occasions if there was anything else they needed from me. My home preservation specialist told me on several occasions that based on what he looked like all looked well and they would find something for me to qualify for. Towards the end of the process I emailed and called my specialist and they fell radio silent on me. Then I had to involve someone else who had to tell me over the phone that I didn't qualify and they couldn't tell me why. Now I am appealing however I think there is something shady going on with this. I am incredibly upset and am thinking of going public with this considering Wells Fargo is already in trouble for doing such nonsense to their consumers.
Product: Checking or savings account

Bank placed a 10 day hold on a payroll check refuse to lift it. Spent XXXX hours dealing with it with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I have contacted the FTC and my local police and I am doing this on my own behalf. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name
Product: Credit reporting or other personal consumer reports

Capital One is reporting negative transactions and experiences on my consumer report which goes against 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) where Congress states that reports containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumer report. 
Capital One has failed to provide the proper way for me to exercise the nondisclosure option given to a consumer by 16 CFR 313.7 and 15 USC 6802. I have provided them with notice that I have opted out of them sharing my nonpublic financial information with 3rd party nonaffilates. They have ignored this notice and are in violation of the Fair Credit Reporting Act and the Privacy Act of 1974. This is a violation of my rights that are to be enforced by the CFPB according to 15 USC 3805
Product: Credit card or prepaid card

A fraudulent charge was placed on my card. Here is the latest info I sent the company : Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX The Charge to my account, XXXX XXXX dated XXXX for XXXX to PayPal is fraudulent. I have never held any PayPal account tied to this credit card. Any additional PayPal charges are likewise fraudulent. Further, since you were notified about this first on XX/XX/XXXX, there are no grounds for the late fee you have tacked on.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of a fraudulent Closed account on my credit report and request its removal under FCRA 15 U.S.C. 1681c-2 ( Section 605B ). The account in question was opened or accessed fraudulently as a result of the XXXX data breach, which compromised my personal information. Account # XXXX has violated my rights. Account # XXXX has violated my rights. Account # XXXX has violated my rights. 



Details of the Closed Fraudulent Account : Account Name : Capital One Date Opened : unknown As stipulated under Section 605B of the FCRA, I have attached the following documentation to support my request : 1. A copy of my government-issued identification.

2. Proof of my current address ( [ e.g., utility bill, bank statement ] ).

3. A copy of the FTC Identity Theft Report or police report documenting this incident. 







This fraudulent account was created without my knowledge or consent, and its presence on my credit report is inaccurate and harmful. Pursuant to the law, I request that this item be blocked and removed from my credit report within the required timeframe of four business days upon receipt of this letter and supporting documentation. 



If you require additional information, I can be reached at [ your phone number ] or [ your email address ]. I appreciate your prompt attention to this matter and look forward to your confirmation that the fraudulent information has been removed. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX per FCRA 15 U.S.C 1681c-2 ( section 605B ) Credit reporting Agencies Are required to removed fraudulent information from your credit report within four business days of receiving request.
Product: Bank account or service

I opened HSBC choice checking account during XX/XX/XXXX via promotion code which says that I will get {$350.00} if I : " Receive at least one qualifying direct deposit per month into your new HSBC checking account for three consecutive months within 120 calendar days of account opening. A minimum cumulative amount of {$3000.00} is required. '' On XX/XX/XXXX - I was told via the secure message center email that I have fulfilled all the conditions and within 8 weeks I will be getting {$350.00} cash bonus. I am maintaining required {$1500.00} balance also so I am very much eligible for this {$350.00} bonus. During end of XX/XX/XXXX - I reached out to them once again in terms of when i am getting {$350.00}. I got a response on XX/XX/XXXX that I wo n't be getting {$350.00}. So they are contradicting their own statements. HSBC has troubled me at the time of opening this account also and I need to reach out to CFPB regarding that. Once again they are trying to deprive my well earned cash bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Accounts listed below, 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 All these account has been disputed several times and the information isn't 100 accurate and its very frustrating to keep trying to dispute these accounts and nothing is being changed or deleted. This is my last try at this. 

Account with incorrect information : XXXX XXXXr XXXX XXXX XXXXr XXXXXXXX XXXX  XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX Account paid and payment history is expectational XXXX XXXX XXXXXXXXXXXXX**** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for reporting inaccurate and inconsistent information regarding the XXXX XXXX account ( partial account number : XXXX ) in my credit report. Experians reporting violates the Fair Credit Reporting Act ( FCRA ), as detailed below : Inaccuracies and Issues Identified 1. Date Opened : Experian lists the account opening date as XX/XX/XXXX, which conflicts with the date reported by XXXX ( XX/XX/XXXX ). 

XXXX. Payment History : Experian reports XXXX  late payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Offs : XX/XX/XXXX and XX/XX/XXXX These details conflict with the lack of payment history shown by XXXX. 

XXXX. Comments : Experian includes comments such as " Account was in dispute- now resolved '' and references to bankruptcy XXXX  XXXX, XXXX, or XXXX, which are absent from XXXX reporting. 

FCRA Violations 1. Section 609 : Experian is required to report verifiable and consistent information. The discrepancies and additional comments in its reporting violate this section.

2. Section 607 ( b ) : Experian must maintain reasonable procedures to ensure the accuracy of information. Its failure to align key data points with other bureaus shows non-compliance.

3. Section 623 : The information provided by XXXX XXXX is inconsistent, and Experian failed to ensure its accuracy before reporting it.
Product: Debt collection

Without any notice I got a credit alert stating a major derogatory mark was added to my credit report. It was from a collection company based in Illinois AFNI, I contacted the company and they stated I was contacted by them via email. I quickly searched my email there was nothing from this company. I requested they forward the original email which they refused. The collection was a fraudulent debt from XXXX XXXX, I disputed the debt during the call and they refused to remove it from my report.
Product: Credit reporting or other personal consumer reports

DATE : XX/XX/year> RE : REQUEST FOR REMOVAL OF INACCURATE COLLECTIONS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. 

THE INACCURACIES INCLUDE ACCOUNTS THAT DO NOT BELONG TO ME BECAUSE THE DEBT COLLECTOR PURCHASED THEM, AND I HAVE NEVER ENGAGED IN ANY BUSINESS TRANSACTIONS WITH THE THIRD-PARTY DEBT COLLECTOR. 

BELOW ARE THE DETAILS OF THE INACCURATE COLLECTIONS ACCOUNT : XXXX XXXX  : XXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : 1. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION.

2. REMOVAL OF INACCURATE CHARGED OFF : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY.

3. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE 30-DAY TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. 

I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

SINCERELY, XXXX XXXX
Product: Checking or savings account

Hello XXXX, someone I know told me hes do a business in the USA with another man and the person supposed to send him money but for some reason the transaction didnt go through so if he can use my bank account to receive the money and and send it to him which I agreed.so I received the money and then wired it into his account 3 weeks later I noticed my account is on negative I contact my bank, they told me the person that sent the money has recalled his money back in which my bank didnt inform or said nothing.so at this point my back has frozen my account getting to a month now i dont have access to my money and i feel like am been a victim to fraud but my bank is not helping me, my bills are backed up and its frustrating so am filing a complaint against my bank which is TD Bank .thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX and XXXX XXXX XXXX. Please remove these accounts ASAP.
Product: Mortgage

Attached is a letter from Nationstar stating that I requested for assistance. I do not know which assistance Nationstar is referring to because I never requested for any assistance nor did I discussed it with anyone at Nationstar. 
On XXXX XXXX, XXXX, at about XXXX, I spoke with my XXXX, XXXX XXXX about the status of my XXXX Loan Modification which they took over from XXXX Bank in XXXX as that XXXX Program is still in progress and yet to be resolved. She told me I have to re-apply for the program again and according to her the water shed is XXXX XXXX, XXXX : I think she meant to say deadline. I told her the deadline is for New applicants to the Modification Program to give them the opportunity to apply for the program to help modify their mortgage loan to a more affordable monthly mortgage payment. She disagreed with me and said both old and new applicants are to re-apply again. I also told her once you are in the program, you are in and there is no deadline for old applicants and that includes me. However, she decided she will mail me a packet and will be over knighted to me. Again, attached is the packet via XXXX. Also attached is my phone conversation with her on XXXX XXXX, XXXX at about XXXX regarding the matter.
Product: Debt collection

I asked this company 3 times to provide me the information. I never received any information for a court date and now they have me owing them XXXX and this was never this companies debt. And is also over XXXX XXXX XXXX