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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I just checked my Transunion account today and I saw a collection account that I have no knowledge or idea of. 
Account Name : XXXX XXXXXX/XX/XXXX Account number : XXXX Account Balance : {$1500.00} Date opened : XXXX XXXX, 2024 Past Due : past due as of XX/XX/year>. 
I have no knowledge of this account until today I saw it as a collection account with you guys. I believe before you assign an account as a collection account you must have verified the information such as the debt validation letter, the original application with my signature, the payment history of the account to show proof as to how you came about with the account balance but am yet to ever have a communication with this company talk less of having the above mentioned documents. so I am requesting the following to be sent by mail within XXXX weeks. 
- A debt validation letter and proof this company is able to collect this debt - Send the original loan application with my signature - Payment history to see how you arrived at the debt amount of {$1500.00} If your unable to provide me with this documents then you must delete this account from my report. 
I believe this information was not even suppose to be on my report without the above requested documents and communication established with me by the collection company claiming this debt is mine in the first place. If am not able to receive this documents then I reserve the right to sue for wrongly reporting my credit account as an effort to hinder me/ prevent me from getting certain benefits like loans or getting better interest rates as a result of knowingly and willfully reporting false information on my credit report without investigation
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, I purchased a mattress from a company for {$2900.00} and financed the entire amount through Affirm ( order # XXXX ). The product ended up not working out for me and the original company processed my return and refund on XX/XX/XXXX. I returned the product to the original company shortly thereafter. AFFIRM did not acknowledge my right to a refund until XX/XX/XXXX and I received an email that my refund would be send via mail to my address on file and should be received in 30 days or less. After 30 days, on XX/XX/XXXX, I contacted AFFIRM via their online Support Chat service about the status of my check, as I had not received any mail from them in the past 30 days. I received a response on XX/XX/XXXX and was assigned case number XXXX. I was asked to confirm the address that they had on file for me on XX/XX/XXXX and it was correct. I have asked repeatedly for updates from the Accounting department via phone and online Support Chat but for the past month have been assured they are investigating and will reissue my check as soon as possible. On XX/XX/XXXX, I received the response that they were unable to put a stop payment on the issued check and as it was apparently cashed on XX/XX/XXXX, they will NOT be re-issuing a refund. I have NOT even received the check from them and in addition, they are claiming that the check in question was cashed an entire month before they supposedly even mailed it to me. I have requested a front and back copy of the issued check to confirm the endorsement but they have been unable to supply the results of their investigation and I am still out {$2900.00} for a product returned months ago.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my Credit report and I noticed some late payments on my credit report : XXXX XXXX - Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX  Account number : XXXX DEPT OF EDUCATIONXXXX Account number : XXXX Your company is is clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, The LAW clearly states : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this to my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include _ ( A ) Subject to section 1681s_3 of this title, any _i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 



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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

Someone scammed me of my money. The person who scammed me was pretending to be XXXX and sending me Emails stating if I didn't send {$350.00} to the " XXXX agent '' I would not be able to receive the payment for the shoes they were going to purchase from me. They stated in order for me to receive the money I'd have to send {$350.00} to a XXXX agent and I would be able to receive the money, the {$350.00} back, and that my account would be upgraded to a business  one. Wells Fargo has done nothing to help me with my case and denied reimbursing the money I lost. I filed a claim as soon as the incident happened and I was just informed today that they would not help me. I have all the emails and text and they did not once ask for any of the evidence, which is insane.
Product: Credit reporting or other personal consumer reports

I do not recognize these addresses please remove. Thank you 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

XXXX XXXX XXXX ( XXXX ) reported a collection on all XXXX credit bureaus incorrectly for {$240.00} in XXXX of 2022 for myself and my spouse/co-borrower. I was never contacted by XXXX XXXX, but I did call them several times and offered to pay for the damaged carpet. They told me I would receive an invoice, which never came. 

However, since I am in the process of applying for a home mortgage with XXXX, I paid the debt in full since they agreed to send me a paid in full letter and would contact each reporting bureau and request the item to be removed. As of today, they have not contacted any agency. I have contacted all XXXX, uploaded disputes, Paid in Full Letter, DL and utility bill. XXXX removed the collection within XXXX hours. Transunion and XXXX have not. 
I have worked hard on my credit and this is the only collection noted in years. I wanted to fight the remarks, but my loan XXXX said to just pay it. 

Thank you
Product: Debt collection

I received a letter on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I responded on XX/XX/XXXX requesting proof of all documentation and sent a certified letter on XX/XX/XXXX requesting they respond in 10 days. It was signed on XX/XX/XXXX. I received no proof or correspondence at all. 
On XX/XX/XXXX I discovered they put a collection account on my credit report for XXXX I want it removed and will hold them liable for any problems it causes with my credit.
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 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. I would like the following account to be removed XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/year> my account had been closed without my knowledge. my paycheck was coming and supposed to be deposited to that checking account. i was not the one who closed it. huntington told me a secondary user closed it. it was done without me ( primary card holder ) knowing.
Product: Checking or savings account

This is hardly the first first time I've contacted you. In your prior responses, I've gotten pablum and, whatever the bank says is what you tell me. So ( after referring to my prior XXXX or XXXX complaints ), please see the following. I've been getting the runaround from Capital One ( and you and the insurer and the reverse mortgage holder ). What was a small, to me fairly insignificant problem, as turned out to be the 100 Years ' War. And the amount at stake is fairly miniscule, except for me, of course. Attached is the last letter I sent to Capital One. If the online agreement does not say SPECIFICALLY that there may be ONLY ONE PAYEE, then everything else is BS and their argument is nothing. Attached is letter I sent to Capital One. 

And if I had the money to hire an attorney, I wouldn't be writing this now. Look at their agreement! It's not worded as they believe it is worded.
Product: Credit reporting, credit repair services, or other personal consumer reports

As an Consumer thats protect by the laws of the FDCPA I would like the attached items on my Consumer report to be deleted. See attached ; Inquiries/accounts ; INQUIRIES ; Police and Fire FCU/PA Date open XXXX Reporting to EXPERIAN XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Reporting to EXPERIAN XXXX & XXXX XXXX Reporting to EXPERIAN I never gave your agency PERMISSIBLE PUROPSE to furnish anything on my Consumer report. Per 15 usc section 1681 ( B ). And this also VIOLATES my right to PRIVACY according to 15 usc section 1681. And I would also like the following accounts removed due to the above mention VIOLATIONS as well ; Accounts ; XXXX XXXX # XXXX Date opened XXXX XXXX # XXXX Date opened XXXX XXXX XXXX XXXX # XXXX These accounts are reporting inaccurately, and I have a right to a FAIR and ACCURATE Consumer Report per FDCPA and the FCRA. And its also a VIOLATION of 15 usc section 6802 ( A ).
Product: Mortgage

XXXX called to setup my first mortgage payment with specialized loan servicing. 
XXXX specialized loan servicing charged my bank acount twice for my mortgage payment causing {$75.00} in overdraft fess. 
XXXX called to find out what happened and to get a refund. was provided an email adress to submit by bank statements too. 
XXXXsubmited bank states ive called back multiple times. every person I speak with tells me they can not assist me or that I need to speak with a supervisor. setup multiple calls back for a supervisor. 
XXXX-received call back, spoke with supervisor XXXX in the XXXX  office employee id XXXX states everything went thru and my refund has been expediated and should be on its way. 
XXXX called back Rep I spoke with said she reached out to 3 different people, and they all say they can not help, no idea how to fix problem.

its been 3 weeks since beeing double charged and still can not get anyone to even assist me in providing a resolution. This is a brand new mortgage and they have done nothing but XXXX it up and have not been able to resolve my issue in three weeks, but iam sure they are quick to charge me for a late fee. I
Product: Debt collection

I have complained to Chase about XXXX XXXX XXXX tactics, XXXX XXXX XXXX called my mother about my loans even though her name is only one loan. I have advised XXXX XXXX XXXX that I am working with an attorney on my debt only, per the attorney I am not allowed to speak to them about anything. XXXX XXXX XXXX changed the due date from the XXXX to the XXXX which is causing me to go late every month, the XXXX the due date of my other loans. I am not sure it was ever changed. Chase told me that I will have to catch up the loan but I am working on all of my debt so I am unable to do this. I want of all the negative marks removed due to my due changed being changed. My credit s being affected by this and I have told Chase this numerous times. My account is now almost 30 days later again and I ca n't keep having marks on my credit due XXXX XXXX XXXX changing my due date. I am working with an attorney on my debt only, therefore I ca n't speak to XXXX XXXX XXXX on this.
Product: Credit card or prepaid card

This account was opened in my name without my consent. I have no knowledge of this account it doesnt belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to XXXX  through CFBP and the company responded that they are still working on the issue. I'm complaining that they should work quickly to remove my file and delete the erroneous information from their systems. I am complaining and noting that XXXX should know that there is no time to resolve this issue. They could be arrested, in jail or subpoenaed within 60 days if they don't act immediately. Normally within 15 days. It is illegal to place an individual 's information in XXXX or any other credit report file, randomly for no cause. XXXX deals with bounce checks and bank fees, and direct misuse of accounts, not " suspected ''. Possible alcohol and substance abuse is nationwide known factor in wrongful suspicion, along with other factors as well. XXXX has had 4 years to work on this issue and should have declined the bank 's faulty objection in XXXX. They are supposed to have knowledgeable personnel who won't make these kind of errors. I am complaining about this. I am complaining that there is no more time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, TEXAS, XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX DC XXXX Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 
I recently disputed the presence of a late payment on my XXXX XXXX account, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 
Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being.

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 
Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 
Thank you for your prompt assistance in this regard. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to file a formal complaint against XXXX XXXX regarding an account that has been fraudulently opened in my name, XXXX XXXX XXXX and XXXX XXXX, which is in result of identity theft. The fraudulent account is as follows : XXXX XXXX account number appearing as " XXXX '' for {$540.00} I have attached a notarized copy of the Federal Trade Commission ( FTC ) Identity Theft Affidavit, as well as a police report documenting the identity theft incident. I also have attached my government issued ID and a utility bill for proof of identity and address. As a resident of Texas, I am aware that aggressive consumer laws are in place to protect victims of identity theft. Texas state law, under the XXXX XXXX XXXX XXXX, provides consumers with strong protections against creditors and requires swift action to rectify fraudulent accounts. 

Despite my efforts to resolve this matter directly with XXXX XXXX, the fraudulent account have not been adequately addressed. Therefore, I am filing this complaint with the Consumer Financial Protection Bureau to request your intervention in resolving this issue. 

I request that XXXX XXXX conduct a thorough investigation into the fraudulent account and take immediate action to remove this from my credit profile. Additionally, I request that XXXX XXXX XXXXXXXX provide me with written documentation of the results of their investigation and any actions taken to rectify the situation. 

I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ) XXXX Social Security Number : ( Private SSN LAST XXXX XXXX ), Consumer Date of Birth : ( Private XXXX ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card, Auto loan accounts, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case Number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of Identity Theft and Fraud.
Product: Debt collection

On XX/XX/2020 ; my bank ( bank of America ) allowed a legal order levy to take place. The bank took {$41.00} for the levy but also charged me {$120.00} for processing the levy. I have called the bank several times but the legal department will not speak to me. I just want to be reimbursed by the bank for the levy amount plus processing fees because I was under the impression that at that time that this money was taken I was still protected by the Covid -19 protections that were passed regarding collection of dedt during this pandemic? SB XXXX and HR XXXX and or Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et. seq. ) ( FDCPA ) and I should have been protected also because that money in my account was just deposited a day before and was a medi-cal ihss check from the state of California and should have been protected ... the money deposited was under {$1800.00}. For my son with an XXXX XXXX.
Product: Checking or savings account

I was banking with Bank of America one day I went in to cash my work check and they said I couldnt cash it due to unknown activity on my account which they said my account was in the negatives so I did everything I was suppose to calling customer service to resolve the problem cause it was suspected fraud I got sent around while on hold but no help to actually resolve the problem to help me get this problem recovered.
Product: Credit reporting or other personal consumer reports

On my credit report there is a charged off account called Citi Bank and I have disputed this account on numerous occasions and stated that I had no recollection of ever owning or using a Citi Bank credit card and had asked for this account to be removed from my credit report but this has not been done. I recently got notification that this account was charged off and is reporting as a charged off account on my credit report.

The law clearly states that when an account is charged off then the consumer must be provided with a form 1099 c. I was never provided such a form by Citi Credit Cards. They say the account belongs to me but fails to provide me with a form 1099c while still claiming that such account belongs to me. Kindly and p
lease send me the 1099c form for the account that I allegedly had with Citi Credit cards.