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

THIS ACCOUNT APPEARS TWICE ON MY CREDIT SHOWING XXXX  XXXX AND ALSO SHOWING XXXX XXXX. {$460.00} BALANCE. 

I have written THE CREDIT BUREAU XXXX XXXX XXXX XXXX XXXX  numerous times to exercise my consumer rights of validating the debt that is being reported and affecting my consumer report. Per 15 U.S. Code 1692g - Validation of debts, If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector I am filing a complaint against THE CREDIT BUREAU AND XXXX XXXX XXXX XXXX XXXX  to dispute the validity of the debt that has continuously been attempted to be collected by me. I have decided to file a complaint expressing my concerns regarding potential violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically under USC 1692g, which governs the validation of debts.

I am well aware of my rights under the FDCPA, and I assert my right to dispute the validity of the alleged debt and to request the verification of this debt as stipulated in USC 1692g. Please consider this letter as a formal dispute and request for validation of the debt. I dispute the debt as follows : XXXX : XXXX REASON : 15 U.S. Code 1692e - False or misleading representation INSTRUCTION : PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. YOU ARE VIOLATING 15 U.S. Code 1681e - Compliance procedures Lack of Sufficient Information : Your initial communication this month failed to provide adequate information to enable me to determine the validity of the debt, including the name of the original creditor, the amount owed, and the nature of the debt. Incomplete or Inaccurate Information : The information provided in your subsequent communications has been inconsistent and incomplete, further hindering my ability to assess the legitimacy of the debt.
Product: Credit reporting or other personal consumer reports

Please remove many hard inquiries in my credit report that are not mines. 
1-XXXX XXXX XXXX DATED XXXX XXXX 2024 2XXXX XXXX XXXX 2024 3- XXXX XXXX XXXX XXXX 2024 4-XXXX XXXX XXXX 2024 5XXXX XXXX XXXX XXXX 2024 6XXXX XXXX XXXX XXXX 2024 7- XXXX XXXX. BANK XXXX 8- XXXX  XXXX XXXX XXXX 2024 9- XXXX XXXX XXXX 2024 10- XXXX XXXX XXXX  XXXX2024
Product: Debt collection

AFNI Collection agency has been calling me everyday XXXX times a day. I am currently paying them a set amount each month through a debt consolidation company. They are calling me after XXXX. They have threatened me by saying, " If you are unable to pay we have your employment/salary information and we may take further legal action ''. I explained that I am only able to pay what I am paying each month no more, no less. They did not start calling me until I started paying off of my debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, these accounts and inquiries were not authorized by me and must be removed immediately. 
The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX OF XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX BANK XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX FCU - XXXX - XX/XX/XXXX - {$00.00} XXXX BANK XXXX. - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} The unauthorized inquiries are as follows : XXXX - XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a representative from XXXX XXXXK on XX/XX/XXXX and was told that they sent a notice of removal for the inaccurate account on my CHEXSYSTEMS report. On XX/XX/XXXX I sent written dispute to CHEXSYSTEMS to have the inaccurate account removed from my report with supporting documentation from XXXX XXXX. On XX/XX/XXXX I received correspondence from CHEXSYSTEMS stating the inaccurate personal information has been removed but the inaccurate account from XXXX XXXX remains on my report. CHEXSYSTEMS has not conducted a fair, proper and timely investigation into my dispute as of XX/XX/XXXX. CHEXSYSTEMS has not complied with the request for removal of the inaccurate account from XXXX XXXX on XX/XX/XXXX which is longer than 30 days. CHEXSYSTEMS reporting inaccurate information on my report has caused me adverse mental and financial hardships and has prevented me from opening new accounts and obtaining new credit. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, and the state of New Jersey Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

Failure on your behalf to either provide a copy of any alleged contract or other instrument bearing my signature or remove the inaccurate account will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act
Product: Checking or savings account

my XXXX account was hacked and charged for {$2500.00}, i was unable and still am unable ti get back into my account. unable to get in touch with XXXX  because they make it difficult and cant just talk via emails. submitted dispute with capital one and was told my claim will be denied
Product: Debt collection

This is debt that was directly affected by covid and losing my job in the midst of covid. I did not work for well over a year or a year a half because of the covid restrictions. They also evicted me and i have an eviction on my record directly affect by this situation and now this is on credit directly affecting my rental status and my credit rating.
Product: Credit card

Ordered an item from Macys which was not received. Item was valued over {$500.00} dollars and was left outside by XXXX with out signature. My home is close to the street with school close and assessible to anyone walking or driving by. Dealing with a death in my family I wasnt aware of the missed item until weeks after and outreach Macys who offered to send a replacement or refund if replacement was not in stock. After months of call and the charge still appearing on my cad I was informed to get a police report and send to Macys. I did get the report and was informed that the funds would be removed. I was not getting statements to my home as Macys was sending my statements to my sisters home XXXX XXXX XXXX XXXX XXXX  XXXX. Unaware of the bill and that the funds were not returned I believed my Macys account had a XXXX  balance until I applied for a card in 2024 and saw the negative account from Macys. I outreached and Macys stated they would not offer a refund because it was too long gone. The account was closed at my request and a lawyer outreached Macys with supporting documentation with no avail. My account has been charged off by Macys but when I try to resolve they inform me that I owe over {$800.00} as there have been late fees added.
Product: Mortgage

My refinancing application was denied and all I 'm asking for was a formal letter of explanation as to why. I believe I have a right to request this. I have emailed several times. I was told they have 30 days to respond and will have to through their compliance department. The 30 days have already passed so I sent a couple of emails to follow up but have not been answered.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to report a series of serious incidents involving predatory lending, financial misconduct, and possibleidentity theft perpetrated by Title Max.I am deeply concerned about the potential impact of these actions on vulnerable individuals, particularly veterans. 

My Circumstances : Please note that while I have relocated, my current accommodations are temporary. I am a legally registered homeless person. This situation highlights the vulnerability of veterans, who may be particularly susceptible to financial exploitation due to factors such as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. 

Detailed Incident Descriptions Title XXXX Incident ( XX/XX/year> ) : Title Max loan officer refused to return my vehicle title after an initial consultation for a {$25000.00} loan with monthly repayments of {$2000.00} leaving me alone in the parking lot of the loan office after it closed with no title to my vehicle. 
The loan officer physically withheld my personal property to coerce me into a loan agreement. 
I was prevented from voluntarily withdrawing from the loan process. 

Unauthorized Financial Access and Fraud : Fraudulent charges were made to a XXXX Dating Site. 
Unauthorized cell phone devices were synced to my online banking. 
Attempted fraudulent charges were made to Rideshare Companies. 
Unauthorized XXXX account debits were initiated. 
The first fraudulent charge at XXXX  XXXX XXXX occurred on XX/XX/year>. 

Solicitation of XXXX XXXX : The loan officer repeatedly suggested receiving a cash tip.

The loan officer offered a " good interest rate '' in exchange for a cash payment. 

XXXX XXXX and XXXX ( XXXX hours later ) : Another loan officer physically blocked me from leaving the premises.

The loan officer demanded that I download a specific app, provide email referrals, and share emergency contact information.

The loan officer used physical positioning to restrict my movement. 

Requested Actions : Full investigation of identity theft and unauthorized financial access Financial restitution for all fraudulent charges Compensation for emotional and financial distress Cessation of harassment and repossession attempts Investigation of bribery and unethical loan practices Enforcement of consumer protection laws to prevent future harm to veterans and other vulnerable individuals I believe that Title Max 's actions constitute predatory lending, financial misconduct, and identity theft. These practices are particularly harmful to veterans, who may be more susceptible to exploitation due to their unique circumstances. I urge your agency to take immediate action to investigate these allegations and hold Title Max accountable for its wrongdoing. 

Thank you for your attention to this matter. 

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

I am formally filing a complaint against Equifax for failing to conduct proper investigations into my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours, asserting the account 's accuracy without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires a reasonable investigation of disputes. Additionally, Equifax 's actions may 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 respectfully request that the CFPB take appropriate action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

I have attached a photo.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/XXXX I noticed that my credit score on XXXX had took a BIG decrease on my points of 24 points. So I called XXXX on XX/XX/XXXX and talked to a person name XXXX to ask why a big drop on my points when I was doing fair on my points. Well XXXX who is a specialist stated to me that XXXX XXXX XXXX  XXXX put a nasty remark on my profile on XXXX all because I wanted to Dispute the Double Jeopardy Accounts on my Credit File. Now I'm not sure if XXXX and TransUnion will be affected by this nasty remark, but if so I want all three credit agency to be notified and not affect my points. 
I filed a Dispute with XXXX, XXXX, and TransUnion about XXXX XXXX XXXX  XXXX with the same account as XXXX. In my letters I explained how I wanted XXXX XXXX XXXX  XXXX removed from my credit report because it was a duplicate account with a different name. XXXX was sold to XXXX XXXX XXXX  XXXX . However I was always in good payment with XXXX it's just XXXX XXXX XXXX  XXXX bought XXXX Accounts from every customer. So back in XX/XX/XXXX my husband and I fell on HARDSHIP and settle all our debts with XXXX XXXX  and paid partial to XXXX XXXX XXXX XXXX in a settlement. Have copies to send you. Also I have been trying since XX/XX/XXXX to dispute all inquiries from XXXX and TransUnion dated on XX/XX/XXXX that I did not authorize or give permission to anyone to pull my credit report. If you can look at the attached paperwork you will see which one I have been trying to dispute with XXXX and TransUnion. XXXX have removed all inquire but XXXX and TransUnion will not remove and giving me a hard time. Please take a look at XXXX XXXX XXXX  XXXX and see why they have retaliated against me by leaving a bad remark on my credit file with XXXX. But also this bad remark may be on XXXX and TransUnion in a few days. I really want XXXX XXXX XXXX  XXXX removed from my credit report now since they have been rude and with the double account. Thank you for your time in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letters off on XX/XX/2022 at XXXX. I told ALL the credit bureaus to " investigate every piece of information '' on the account I have listed below. Also I have attached the letter I sent out that has multiple accounts but XXXX of the accounts " XXXX '' and XXXX CARD are what I am targeting as my priority in this letter. The Tracking # 's, that were provided to me for tracking are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA, the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he or she is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. Also, according to the FRCA 15 USC 1681, everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

If you look at the dates of last activity, the dates across ALL XXXX credit bureaus are NOT the same, which violates the law ; if you look at the high balance, the balances are NOT the same across ALL XXXX credit bureaus, which violates the law ; If you look at the dates opened, the dates are different across ALL XXXX credit bureaus, which violates the law ; if you look at my XXXX Card, open and close dates, they are inaccurate; Finally if the account is closed, why does it still say that I have a past due balance on this account? This is breaking the law as well and I've reached out to them and will be waiting for a response as well. The information for XXXX is below. 

List of Account - Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

An incorrect collection is on my credit report. I do not owe this company. I have asked for proof that I have ownership to this debt but failed to give me this information. 
XXXX XXXX XXXX XX/XX/XXXX Credence Resource XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize these any inquires to be pulled from my credit report and I want them removed. 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 Equifax 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: Mortgage

Good afternoon, Re : Suntrust Mortgage XXXX XXXX XXXX XXXX XXXX - Escrow officer - Title Company In XXXX, my spouse XXXX XXXX XXXX and I refinanced our mortgage. We both were borrowers on the previous mortgage and assumed we were both borrowers on the refinance and have closing documents as well as mortgage statements, which reflect such. The escrow officer was my husbands sister, who I trusted. ( Now XXXX ) We divorced in XXXX, and I was awarded 100 % ownership of the property. A divorce decree and a filed Special Warranty deed reflects this. 

When Covid hit and I became XXXX I contacted the mortgage company and at which time I was told I could not communicate with them because I was not on the mortgage. This news Was a huge surprise. 

After further review of documents I received at the time the divorce I noticed a signed POA from my Ex- husband, had been notarized, but the notary had stamped it, but didnt sign it. 

The notary- was the Ex- sister-in-law ( she had remarried, so I didnt recognize the name ). 

These circumstances have now caused my mortgage to be in default and in foreclosure. 
I have lived in my home for 19 years and have equity but have been unsuccessful at having anyone acknowledge this. I stop the payments until I could solve the issue of ownership.. 

I have tried to communicate with loan provider, to take over loan, modify, loss mitigation, new loan, but no communication. I was told to file XXXX so I could claim debt. ( which I did for that purpose only ) Filled out loan applications, etc. 

Unable to locate Ex and notary will not communicate or acknowledge the error. 



I dont know what else to do I just want to Continue to pay my mortgage and live in the residence. Just need some assistance. 

I hope the info provided makes some since and this situation can be reviewed and I can provided addition info for clarification. 

Thank you for your time. 

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

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXXu, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Money transfer, virtual currency, or money service

lam fillng a complaint against Cash App ( Block, InG. ) due to inadequate customer service and unfair practices, whlch violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App falled to take tmely and effective 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 I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information on my report unknown names and address this is preventing me form getting job and place to live. 
XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX, XXXX, Wi XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX XXXX, XXXX, IL ( 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 , VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX # XXXX** XXXX XXXX # XXXX****