23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, this is in regards to my auto loan application that was denied on XX/XX/XXXX because the credit score was XXXX, and there were too many inquiries. However, when I look at my transunion credit score, it says it is XXXX. This score is based off XX/XX/XXXX. I have been monitoring my credit score and it ranged from 620-655. For the last 12 months, there has been only 4 inquiries. It does not exceed the maximum of 6 stipulated by the law. 
Currently, I have paid off all of my credit card debts except for two with a total of {$800.00} ( XXXX XXXX and XXXX XXXX XXXX XXXX The credit report and score they have is not up to date. I would be very grateful if you could review my application again based of the most recent credit score and the fact that i have made just four inquiries in the last 12 months not " too many as stated in the letter ''. I believe it is inaccurate. I would appreciate if they can correct this and send the information back to the bank to reconsider my application. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and according their website XXXX, I am a victim of the theft.
Product: Credit reporting or other personal consumer reports

I requested a copy of my credit reports and saw an incorrect payment history on an XXXX auto loan. I tried to contact XXXX regarding this incorrect payment history, but I found that XXXX is no longer in business. I contacted the credit bureaus and I ask them to investigate and correct the payment history, but XXXX and Equifax came back to me saying the information had been verified, I then requested how the information was verified, and my request was ignored, by both bureaus. It is the law that they provide detailed method of verification, but my request was ignored. 
XXXX XXXXXXXX XXXX  was purchased by XXXXXXXX XXXX and XXXX was verifying the credit information under the XXXX account on my credit bureau. My account was opened and paid off under XXXX and not XXXX and it is not accurate information on my credit report to have XXXX reporting information on the behalf of a bank that no longer exist. The bank that is reporting the information is not the bank where the account originated or who was paid the payments. I do not believe it is correct to have one bank verifying information and reporting for a defunct bank under another name. I'm legally intitled to have a 100 % accurate credit report and since the original creditor can not verify the information The bureaus must correct my payment history since they can't verify with the original creditor.
Product: Credit card or prepaid card

I was notified via mail by First Progress in XXXX of 2019 that there was possible fraudulent activity on my card ending in XXXX. The letter stated that the card would no longer be active and another would be reissued to me. I never received the new card but First Progress continued to charge me interest on the low balance as well as expected me to pay on time payment for an account I had zero access to. This has cause issues with my credit and First Progress has been non-responsive to my requests to either get another card or close my account.
Product: Credit reporting or other personal consumer reports

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

You are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, reputation, my general good mode of living my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code $ 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. Definitions : Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something. 15 U.S. Code 1681s-2 states that you are a furnisher of information to a consumer reporting agency. You are prohibited by law to furnish inaccurate information. I demand you cease and desist the reporting of this incorrect and inaccurate information immediately pursuant to 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ), which states " 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. '' YOU ARE HEREBY PUT ON NOTICE THAT YOU ARE REPORTING INCORRECT AND INACCURATE INFORMATION. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ). 
Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this information is in clear violation of the law pursuant to 15 USC 1681s-2 of your responsibilities as a furnisher of information. Furthermore, pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Haw. 1980 ) providing a contract ( electronically signed by someone with a different name ) is not debt validation. You have caused me and my family severe harm due to your negligence and inaccurate reporting period this is a final opportunity to CURE and DELETE this erroneous, inaccurate, account from my consumer report. You have 10 calendar days to CEASE AND DESIST AND DELETE THIS ACCOUNTS FROM MY CONSUMER REPORTS. Failure to do so will result in me pursuing legal remedies under 15 USC 1692k, {$1000.00} per each violation you have incurred. XXXX XXXX Last 4 of XXXX : XXXX Copy of DL Copy of Address Copy of FTC report
Product: Debt collection

I found the debt on my credit report from Armada Corp and when I called the amount was a lot more than listed on my report. They stated it is interest they have been collecting. I told them I was never informed they were making interest off of this balance. I was under the understanding that if people or companies are going to charge interest on a debt, they have to inform the consumer. I do n't believe that a consumer should have to pay interest on a balance the company does n't communicate to you. As long as you do n't look at your credit report they will just keep charging and the consumer has no idea. I do not have anything in writing to attach because I never received anything in writing.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> i notified the legal department of XXXX XXXX XXXX XXXX opting out of any and all authorization related to the sharing, reporting, or disclosure of my personal or financial information to any and all credit reporting agencies and/or third parties.as a federally protected consume i exercise my right to privacy under applicable federal statues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the companies and the credit bureaus on multiple times XX/XX/2022, XX/XX/2022, XX/XX/2022 for them to remove these accounts because they were paid in full but still being reported as charge offs on my credit reports. XXXX XXXX XXXX paid in full, XXXX also paid in full but still reporting as charge off.These inaccurate items that are reporting on my credit reports are having a negative effective on my mode of living, which is directly impacting my relationships with creditors cause i am trying to buy a home. I have reported these discrepencies to the Federal Trade Commission, XXXX and California Attorney General. Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a Lexington Law Customer since last year and have found their service to be misleading and fraudulent. I have paid Lexington Law for the removal of inaccurate accounts and had these same accounts removed, only to return back to my credit file less than two months later. Which defeats the purpose of paying monthly and also charges late fees if the invoice amount is not paid by the due date. Lexington Law charges a work fee the first days of stating services and then a week later charges the first month amount which can be from anywhere to over a $ XXXX XXXX depending on how many account has to be challenge of disputed. XXXX XXXX was deleted a few months ago and prior to that XXXX XXXX and both accounts have been listed back to my report. Which has the customer to start their entire case and payments back over again as if there was only a temporary deletion. I am requesting for a refund in the total amount of what was spent on this entire case since opened. A customer should not have to pay over and over again for the very same account that was deleted by a law firm. I have stopped paying Lexington Law and have nomore work being done on my case do having to pay again for the same accounts that are reappearing.Thats fraudulent and misleading. I am requesting for my funds to be credit back to my debit card that the payments were made. Starting from the time of the first payment to the very last payment in XX/XX/2020. I have many supporting documents that prove the account stated above was deleted after Lexington Law disputed and also when these account were listed back on my credit report. We are not paying services for temporary deletions and I will not recommend this Law Firm to anyone and I will also take further action on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is a violation of the FCRA and Is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these mentioned derogatory items be and permanently removed from my report. 
I sent a copy of my report to the credit bureau showing all the inconsistencies and errors on my report which was reporting I highlighted all of the issues and I didn't get anything back but a reinvestigation which I didn't not ask for I wanted those item to to removed because of the inaccuracies on my report I also ask for the address to be updated and that has not been updated this company has not done anything but violated my rights as a consumer they have had more then 45 days to resolve the issues and it's hasn't been resolved yet.
Product: Debt collection

At XXXX on X/X/17, I got a phone call, asking me for detailed information on my identity. After that, the woman told me that I was behind on payments of 30 days. When I asked if it were 60, 90 or 120 days, she said no. I was then pressed when I would resolve the matter when I stated that I had not gotten a bill that month. I replied with " When I get a bill, I will send in a payment ''. She then said that I was not being cooperative and refused to answer. I repeated the answer, " when I get a bill, I will send in a payment. I do not know when a bill will be sent and I do not know when they will receive it. '' After my second reply, she became more hostile and aggressive with repeated, " you are refusing to answer the question and I 'll note that on your account ''. She further pressed me for a date and suggested next Friday, to which I said, sure, if I get the bill. Again, she said " you continue to refuse to answer the question '', to which I pointed out that she suggested a date and I agreed to it. Her hostile tone, nature of the call and continued badgering of my " refusal to commit to a date '' was enough to end the call. This was a hostile call with hostile intent and any other answer than a specific date that was acceptable to them was " refusal to answer the question ''. I contacted Comenity directly and requested a new bill be sent to me and explained the phone call. The woman on the other end was very apologetic, but insinuated that this is their standard practice. Any further phone calls of this nature will be met with a lawyer on my end.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

My data was affected by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC.
Product: Checking or savings account

Wells Fargo kept charging me fees after fees after fees without any explanation
Product: Debt collection

The action of the debt collector is on a expired statute of limitation greater than XXXX XXXX XXXX. The debt collector acts as fourth party to collect debt, originally XXXX, then XXXX XXXX ( acquired XXXX 2011 ), then indicates current creditor is XXXX XXXX XXXX XXXX XXXX ( debt collector under Federal law is not : A creditor ), and fourth party debt collector D & A Services seeks to collect on the " Re-Aged '' debt. The debt is not owed and the debt collector can not act as " Creditor '', violating Fair Debt Collection Act
Product: Checking or savings account

Moneylion is an app that allows you to borrow cash, Moneylion states I didn't pay back this {$28.00} on XXXX. Even after me giving them my bank statement and my email confirmation that I received from Moneylion after the payment was made they still have my account owing them {$28.00} for over a year, waiting on me to pay back an amount that I have already paid, I even paid additional {$35.00} because he transaction caused my account overdraft, and a year later I am still being told that I did not pay this amount that I paid, also they are playing on people intelligence Please Download this app, they already that 2 transactions can not be made back to back you have to pay the old one off before they are able to give you a new instacash borrow  ... and they are acting like they don't know this but the whole organization knows this and they are simply playing on peoples accounts and acting like people owe them money when really do they need to get hit with a large fine because they are using people to pay extra money we don't owe
Product: Credit card

I applied for a XXXX XXXX Credit Card with Wells Fargo Bank. Rather than receiving the card I applied for, I received a different one with far less advantages and that I had not applied for. When I called to inquire as to the reason I was told that my XXXX credit was in the XXXX and thus insufficient for the card I requested. 
Today I have checked all my XXXX reports and none of them is below the XXXX. 
This same credit card switching practice happened to my husband about 2 months ago
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion credit Bureau is reporting unauthorized inquiries XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XXXXXX/XX/22 XXXX credit Bureau is reporting unauthorized inquiries XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 I contacted both Credit Bureaus to resolve the issue but was denied
Product: Money transfer, virtual currency, or money service

Someone hacked my PayPal account and over a period of several months beginning in XXXX of 2023, fraudulently transferred money from my PayPal account to a bank account at XXXX XXXX XXXX Bank that was not mine. 

There were XXXX transactions totaling over {$1000.00}, of which the last XXXX or so apparently did not go through for reasons that I do not know. I then received an email on XX/XX/XXXX that the bank account was removed from my PayPal account due to the transactions not going through. This was the first email notification I received from PayPal regarding these transfers during this entire time period as I had received no notification of the account being attached or the money being transferred. 

On XX/XX/XXXX I called PayPal customer service regarding the unauthorized transactions. The first person I spoke with flagged them and opened a dispute for me. The dispute, however, was closed within an hour and I received an email stating that the transactions were not unauthorized and therefore there was nothing PayPal needed to do. This is absolutely untrue, I have never had a bank account at that bank, nor did I ever authorize a single transaction to that account or receive any notification of them even happening. 

I immediately called customer service again and this time the person I spoke with insisted that this was not their fault, and they had no responsibility, and that I should call the bank, despite my insistence that the bank would not help me given that I did not even have the account number. 

I called a third time and spoke with someone named XXXX who said he would appeal the dispute and activate fraud protection, but I have seen no evidence that any action has been taken. 

The remaining XXXX transactions totaled to {$930.00} and PayPal is refusing to help me to recover this money that was stolen from my account due to their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed and twice notarized documentation that the addresses on my credit report were not mine and were used for fraudulent acitivities. 

I've called and spoken with several agents that indicated that the information would be removed. However, its never been removed. Which allows continuation of fraudulent activities under my name. 

I've been given the run around on how to resolve this issue after trying to resolve this is after stopping a fraudulent tax return under my name. Which has happened in the past, without my knowledge.
Product: Mortgage

I created a XXXX account in XX/XX/2019. My first mortgage payment was supposed to be paid on XX/XX/2019. I set up auto pay and per their instructions, I paid the first payment manually as it would take about a month for auto pay to be completed. My first payment was taken out of my bank account on XX/XX/2019. A second payment was taken from my bank account on XX/XX/2019. I never authorized the second payment to be taken from my account. I created a ticket within their application on XX/XX/XXXX when i noticed the second payment that was processed. I created another ticket on XX/XX/2019 again as I had not heard anything back from the company. I also tried to call the company but received no answer. I contacted my bank XX/XX/2019 for a refund for the unauthorized payment as it has caused me financial hardship.
Product: Credit reporting

I do n't even know where to start. I have disputed this on consumerfinance.gov multiple times. There is INCORRECT information on my Equfax report that no one seems to be able to correct. Equifax says they verified with XXXX ( # XXXX. ) XXXX ( # XXXX ) says they do n't handle credit card divisions of the XXXX XXXX XXXX XXXX , XXXX and XXXX XXXX . XXXX gave me another phone number to call, and they answered identifying themselves as XXXX ( # XXXX ). They told me to have them do a credit bureau inquiry for my accounts. The first XXXX ( # XXXX ) phone number XXXX said they do n't understand why the credit report has their phone number. THIS is the XXXX ( # XXXX ) that is showing incorrect information. They said they ca n't see my actual account to confirm I have zero balance. They gave me number to another XXXX ( - # XXXX ) XXXX who tells me they have the same information that I have showing zero balances, and dont have any idea who the " other '' XXXX ( # XXXX ) isXXXX XXXX # XXXX ) tells me to dispute this discrepancy, which I have through consumerfinance.gov and directly with Equifax. Equifax tells me to call synchrony bank and have they make corrections. These errors have caused my credit score with equifax to drop by XXXX points. I have been turned down for a loan due to this. XXXX told me to write to to FCRA. When I look up information for FCRA- it sends me to -- XXXX! 
I have a zero balance with XXXX XXXX and XXXX XXXX. My balance with XXXX is incorrect. My good credit standing with XXXX XXXX showing a {$5000.00} credit limit paid in full has disappeared from Equifax ONLY & gt ; I am at wits end. I will contact he consumer reporter at the news station and see if they can direct me somewhere that can help. I expect consumerfinance.gov to be able to figure this out. The letter I received from Equifax today says they " verified '' this information with XXXX and it is staying on my report Obviously they did not verify anything.
Product: Credit reporting or other personal consumer reports

TransUnion for clarification is TransUnion indicating that XXXX XXXX XXXXVERIFIED AS REPORTED as an inaccuracy or an accuracy? Despite the proof of inaccuracy information that I provided from TransUnion ; also is TransUnion claiming that they are in compliance with 15 U.S. Code 1681e - Compliance procedures reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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?