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

CFPB, according under the The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how credit reporting agencies collect and use consumer information. False reporting under the FCRA can occur when incorrect information is reported on a consumer 's credit report, which can negatively impact their credit score and financial opportunities.

Consumers have the right to dispute inaccurate information on their credit reports. When a dispute is filed, credit reporting agencies are required to investigate the claim and correct any inaccuracies. If false reporting is found, consumers may be entitled to remedies, including damages for any harm caused. 


Understanding your rights under the FCRA is essential for protecting your credit and financial health. 
EQUIFAX continues to mess with my credit worthiness all of my accounts are in good standing every month, credit card utilization stays under 30 % every month. I've done a complaint to the WHITE HOUSE this morning. Starting to fill the rath of Prejudice. Equifax. My attorney is looking into this matter. Ive had enough of being treated like garbage. I'm attaching my Equifax report
Product: Credit reporting or other personal consumer reports

Hello Dear, In XX/XX/2023 the capital one bank pull up my credit report without my permission. This is fraud! I do not authorize nobody else to give my own information to capital one bank. I would to ask to help to remove inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in documentation to both bureaus XXXX and XXXX regarding erroneously reported information. I have spoken to customer care as well as USPS certified notarized copies and the j formation is still on my report which has caused me financial issues due to the credit scores and charged off collections and inquiries. This has been dragged on for 6 months now Im have really been working extra hard to get this taken care of transunion has taken off the information. All three reports should pretty much have the same info. I am facing more stress along with the Covid19. I am asking that the inquiries be removed and the collection accounts as well. My credit score updated. I was denied a loan. I have been paying my bills on time and keeping my credit clean.
Product: Credit reporting or other personal consumer reports

IN ACCORRDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST ACCOUTS BELOW HAS VPLIDATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S 1689. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681A SECTION 602 A. STATE I HAVE THE RIGHT TO PRIVACY 15 U.S.C DECTION 604 A SECTION 2 : IT ALSO STATES A COMUSMER REPORTING AGENCY CONNOT FURNISH ACCOUNT WITHOUT MY WRITTEN NOTICE. 

15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING TEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS WHICH ANTEDATES THE REPORTING BY MORE THAN SEVEN YEARS.

15 U.S.C1681S.-2 ( A ) ( 1 ).
Product: Bank account or service

PayPal/eBay are holding my funds. Neither company follow Reg CC hold procedures nor do they seem to care.
Product: Credit reporting 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 XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of account number XXXX loan to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my loan have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XX/XX/year> XX/XX/year> XXXX
Product: Mortgage

I was told pmi would fall off after 20 % received a letter saying that the window is approached and to call. Then I did they sent another letter saying that pmi has to stay on for the life of the loan. Multiple problems with Wells Fargo have occurred besides this.
Product: Credit reporting

In 2010 My identity was stolen and used to receive {$4000.00}. under a school loan. ( see attached documents ) ALL XXXX credit reporting agency's- XXXX ; XXXX ; Experian, are refusing to remove accounts asserting they 're " verifying my dispute as accurate '', however I 've sent document 's proving my position and dispute to them. Yet have failed to provide me with a copy of any viable evidence as such. I 've advised repeatedly via certified mail over a dozen times that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Requesting the name, address, and telephone number of each person contacted at U.S. DEPARTMENT OF EDUCATION regarding this alleged account. I 've explained : The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. All XXXX credit reporting agencies continue their non- compliance violating : ( see 15 USC 41, et seq. ). Constituting : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act. Your assistance would/ is greatly appreciated!?
Product: Debt collection

This is involving a request and writ of garnishment in result to a income tax refund credit. I've been paying out of my state income tax. The attorney office XXXX XXXX XXXX were impersonating FORD MOTOR CREDIT COMPANY. The matter hasn't been released and amount has been paid. Any and all debt was resolved but credited and put towards garnishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was Complete and accurate according to 15 USC 1681i ( 5 ) Ill wait 30 days and receive my info investigation and noticed everything was still the same. The consumer reporting agencies which is XXXX Experian and XXXX XXXX did not modify or remove anything. The open day is not correct they last accurate is not correct on three credit report dates of the last payment is not correct on all three credit reports. Which is a violation this is impacting me from moving forward to buying a house for my family. I attach my previous credit report and my new credit report to show how Experian XXXX XXXX XXXX violated my rights
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

every year i tried to get my credit report i being denied by equifax they demand photo id utility bills etc i mailed every year but no response from them
Product: Credit reporting, credit repair services, or other personal consumer reports

A discover credit card was fraudulently opened in my name in XXXX, XXXX. In XXXX, XXXX I reached out to discover to inform them of this matter once I seen it on my XXXX credit report, they agreed to close the account. XXXX removed the fraudulent account from my credit report however, this month it illegally reappeared on my credit report although the account was closed in XXXX due to fraud. I really need this fraud account removed from my credit report because I never opened this account. I tried to do a report with FTC but they keep directing me to XXXX. Someone please reach out to me so we can handle this illegal issue soon because I will soon be reaching out to my lawyer.By law, this account can not continue to be on my credit report if the account was not opened by me. Thank you. Discover account ending in XXXX. Closed XX/XX/XXXX. Also, the account is inaccurately reporting that it was closed in XXXX, XXXX which is also illegal. This account was closed in XXXX with a {$0.00} balance. All of ab sudden the account is reappearing 6 months later with a balance of {$2300.00}. This account was paid off.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd Complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of account resulting in significant harm to my financial standing and reputatyion. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. This is the inaccurate account that I want them to correct : XXXX XXXX XXXX : {$10000.00}.
Product: Bank account or service

Hello - Please assist in forwarding this dispute to Executive Office of Chase and Legal Department for another review. I would like to dispute the decision for my dispute claim denial. Per my previous complaint, I have also sent my charge dispute directly to XXXX multiple times and also have filed a complaint via XXXX, but XXXX still could not provide me the breakdown of the fees they charged for cancellation of the sale. Per Merchant 's policy ( clearly stated on their website ), it states : " If you 're unable to deliver tickets on time and as promised, your payment method may be charged an amount generally equal to XXXX % of your ticket cost. ". The ticket price was {$800.00}, so XXXX % should be {$160.00}, instead of the {$480.00} that they charged ( without any explanation or breakdown of the difference )! Please see attached for my initial charge dispute with XXXX. I 've also provided them with proof that the ticket was available, but XXXX refused the ticket. Hence, XXXX forced me to cancel the sale because they did not accept the ticket. Furthermore, XXXX still could not provide me with a specific breakdown of this 'difference ' from {$800.00} to {$480.00}. They agreed to provide courtesy refund, but only {$120.00}, instead of the {$480.00} that they charged directly to my Chase account. So Stub Hub still could not provide the breakdown on how the {$360.00} was determined. 
Additionally, the temporary credit {$480.00} has been removed from my Chase account, so I just need some assistance in fighting this illegal charge with the Merchant. Especially since it was charged by XXXX directly to my Chase checking account. So this dispute should serve as protection as Chase debit/credit customer, and also Chase 's protection to prevent anymore illegal charges from this merchant XXXX. 
Please escalate this matter for further review and more research. Greatly appreciate your assistance and look forward to a better resolution. Thank you.
Product: Debt collection

I was not able to pay my debt to Discover Bank Credit Card. I tried to work with them to get the interest rate reduced and a payment plan that I could afford but they were not reasonable. On XX/XX/2021 I recieved form 1099C cancelling and forgiving my debt to Discover Bank. Since this form is reported to the IRS as income, I do not owe the debt of. {$6300.00} to Discover Bank anymore and they need to report to all three credit reporting agencies that I no longer owe this debt and the status should change from charge off to cancelled with XXXX owed. This debt forgiveness substantially reduces my overall debts and aids me in repairing my credit. NOTE : I did NOT declare bankrupcy.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below I do not consent to XXXX or any means of automated verification, are still reporting on my credit reports in violation of federal law. The 3 Credit Bureaus failed to comply with the FCRA 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please DELETE the following accounts completely from my Credit Reports : XXXX XXXX, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union and XXXX are ignoring my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Vehicle loan or lease

I called about our vehicles cause we was couple months behind but I've been paying what I could. So I called to see if they could help me set it up where we can do a cheaper payment plan instead of one lump sum, we were a little over 700 dollars behind and I tried to explain to her what's been going on, they wouldn't even acknowledge the situation and told me I have to bring the current balance back to standards before they would help us on our situation, they were being rude and very disrespectful. 
Thank you.
Product: Credit reporting

A delete item reappeared on my credit report. On XXXX/XXXX/2017, Equifax deleted the item XXXX XXXX XXXX from my report. After checking my report today, I noticed the item has reappeared. If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they ca n't put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item. 

I was notified with the 5 days before they reinstated the item.
Product: Debt collection

I am writing to address an issue concerning the reporting of a debt associated with my Discover credit card account, account number XXXX, I have noticed that this account continues to be reported as outstanding on my credit report, despite the fact that I received a XXXX form indicating that this debt was written off as a loss for tax purposes. 

Given these circumstances, I have no recieved clarification on the following points : XXXX. Debt Status : this debt has been written off and reported to the IRS, I believe it should not continue to be reported as an outstanding balance on my credit report. Please confirm the current status of this debt. 

XXXX Credit Reporting : I request that you review the reporting of this account to the credit bureaus. If the debt has indeed been forgiven and reported as a loss, please ensure that it is reflected accurately in my credit report. 

XXXX. Documentation : I was provided documents that I submitted that supports the current status of this account, including details related to the XXXX form issued. 

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2. They also have no permission to report anything using my info pursuant to 15 USC 1681 4.
Product: Money transfer, virtual currency, or money service

The last 6 months and so they started frozen my account many times to block me from trade my XXXX in Coinbase smart phone and I lost over XXXX $ for delay and stops me from sell my XXXX also the last month I couldn't not used my debit card always restricted from sell or transfer my XXXX to different XXXX exchange I need them to fixed my debit card immediately to start take my money and I need to withdrawal my money with All the money I lost during there fraudulent activity against the law..and with all my damage they did to me and I need to take my case further to court if they dont let me take my money thanks
Product: Mortgage

This is the third complaint we have filed. We have completed fourteen trial payments for a modification that was to have been completed after three trial payments. Each of the trial payments was made timely each month. The modification was approved originally in early 2020. After the last complaint the company responded by saying a task was set on XX/XX/XXXX, to post those payments. The completion of system maintenance will take approximately another month ; however at that time you mortgage account will be current. Your mortgage account will be reported to the credit agencies as current during this period of time. 
I contacted the loss mitigation department today and they said it would be some time before the paperwork was completed and they are waiting on third party approval. Citizens One bank has continuously XXXX  during this entire process, and is engaging in deceptive business practices by refusing to complete the modification that was approved.
Product: Money transfer, virtual currency, or money service

Family of XXXX ( wife and husband along with XXXX kids who are twins, aged XXXX XXXX XXXX Wife enrolled the XXXX kids for preschool in XX/XX/2022 for a first day on XX/XX/2022. Tuition is {$2600.00} per kid, per month. 

All of the enrollment process was conducted via email, with the XXXX XXXX  director, using her personal XXXX email account. 

As part of the enrollment process, the school requested funds for 1. {$2100.00} for a deposit and 2. {$2600.00} for the first months tuition For a total of {$4700.00} per child ( therefore {$9400.00} total for XXXX kids ) This funding was to be made before the first day of class. Wife was advised to send payments via XXXX to 2 email addresses : XXXX name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In total, XXXX XXXX payments were sent on XX/XX/2022, XX/XX/2022 and XX/XX/2022. Wife initiated the XXXX payments online through the advice received via email. 

Following the first day of school ( XX/XX/XXXX ), the XXXX director asked us via text message whether we had make the payments and we told her we had complied with her request via email. This was how we discovered that the XXXX funds were misdirected, and therefore fraudulent. Not known to any of us ( Wife, Husband or the XXXX  director ) was that the XXXX  director 's XXXX email account was compromised with a man-in-the-middle, and was being controlled by someone else. See screenshots of the email conversation from both the perspective of Wife and the XXXX director. The email thread has been doctored by an unknown 3rd party. 

Wife then emailed XXXX and XXXX to ask that they return the funds sent to them via XXXX. There has been no response. 

Wife called her bank ( JP Morgan Chase ) on XX/XX/2022 to see if the XXXX payments could be reversed. The bank said XXXX transactions are not reversible. 

Wife again called JP Morgan Chase on XX/XX/2022 to ask if there was a report or complaint that could be filed and the bank told her no, as the transactions were authorized. In addition, from the banks perspective, no fraud has taken place as the XXXX XXXX transactions were all initiated by Wife. 

Attachments * XXXX XXXX payments totaling {$14000.00} from XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/2022 * Email correspondence from Wife 's email account * Pictures of email correspondence side by side from 2 perspectives. On the left is the XXXX  directors mobile phone. On the right is Wife 's mobile phone. The messages that the XXXX director sees are modified from those that Wife has received and replied to