23daVinci/CFPB_Complaints huggingface dataset:
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 MANY 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. 16811, 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: Debt collection

Contacted Collections Company on XX/XX/20 after receiving letter dated XX/XX/20 that showed balance had decreased due to payments on both medical accounts. Was updated that account was being paid so no issues Next day on XX/XX/20 this company reported both below accounts to XXXX as being delinquent. 

XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$50.00} This damaged my credit score and I want these removed as company agreed to not report as long as payments continued.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report from XXXX and I saw that you have recently began to report me 30 & 60 days late on this account : XXXX. 


I also stated that I have previous credit reports from the XXXX that reflect my account accurately, as paid on time. I explained that I was I never late on this account, and I never received notice as required by the FCRA that you were going to report negative information to my credit file. Furthermore, I stated that I immediately disputed the late payment to the creditors and that they said you verified the late to them. As of the date of this letter I have not received a response to my request. Why are you ignoring me? I will not just forget about it. 

This is my several request to you to correct this in writing. The several attempts by phone were never successful either, as you out source to XXXX and they promise corrections that never happen. I tried numerous times to get my statements from you, but never received them. 
XXXX XXXXXXXX.
Product: Money transfers

XXXX XXXX, XXXX, I listed and sold an item ( computer game ) on eBay for {$42.00} to a new ebayer named XXXX XXXX. XXXX sent payment to my paypal account. Paypal deducted transaction fees leaving with with a {$40.00}. I sent the item ( computer game unlock code ) via eBay message to complete transaction. 

XXXX XXXX, XXXX : Paypal alerted me the credit card used by XXXX was a fraudulent and unauthorized charge thus they initiated a chargeback against me. PP opened a dispute and asked that I supply them with proof of my delivery of the game code which I did. 

XXXX XXXX, XXXX : Paypal found I had sent the item but was not protected because of their ToS indicating I sent a nontangible item ( a game code which unlocked the game from the developer allowing a one time download of the product ). PP then tacked on a charge of {$40.00} to an unrelated purchase I made from another retailer of {$28.00} and deducted that combined amount from my credit card. Note : My credit card is a backup service as all normal deductions of my purchases normally go through my attached checking account as a debit. 

PP did the following : -accepted a stolen credit card from XXXX -deducted transaction fees on that transaction -offered me no protection from fraud in terms of vetting the payment account -they will not provide me with the disputing credit card company contact info or transaction info for me to follow up -they charged my credit card by adding on $ on top of a legitimate unrelated purchase I made then took those fees from my credit card with they have never done before. 
-they are unable and or unwilling to properly notify eBay that the buyer ( XXXX ) has not paid which will allow me to thus file a complaint with eBay triggering any protection I might have there. 
-They claim I have no protection on this sale because my item was a non tangible. 

How does one not rely on a transaction service ( who takes fees on that same transaction ) to protect oneself from fraud?
Product: Debt collection

Dear Transunion, I am contacting you regarding my credit report, in which you reported inaccurate information. The date opened for this account is incorrect; according to XXXX, the open date for this account is XX/XX/year>. Transunion is showing an open date of XX/XX/year> and XXXX is showing an open date of XX/XX/year>. I request that you verify this information and remove this erroneous account from my credit file as soon as possible! The item in question is XXXX XXXX ( original creditor : XXXX XXXX XXXX ) account # XXXX
Product: Bank account or service

I sell on XXXX. I have to use paypal as part of their requirements. Paypal when you purchase something takes the money immediately out of your bank account. However when depositing they take sometimes up to 6 days if it falls on a weekend. Then my credit union holds the money sometimes a day. I buy and sell so not having my money in my hand is hurting cash flow. I believe this holding money is a significant drag on the economy and there is no justification for such a long delay. The banks also do this when wiring money from bank to bank or processing a refund on a debit card. Is there a law that limits them. Is there anything you can do to speed up this process. Thank you
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax, XXXX, and XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. Accounts XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my credit report, my account with XXXX XXXX shows no activity in the second half of XXXX and the suddenly in XX/XX/XXXX it shows a 30 day Delq mark. It also reflects my payment status as " Current '' in XXXX and XX/XX/XXXX. 

This information in inaccurate. I disputed this with XXXX XXXX directly and they confirmed that my account did not reflect a balance or payment due between XX/XX/XXXX and XX/XX/XXXX. They also sent me a itemized transaction history of my account that reflects this. 

I disputed the information on my report directly with both Transunion and XXXX  originally as my credit limit was not accurate and also disputed the inaccurate payment history. I provided a response from both agencies that the information was verified as accurately reporting. 

I contacted XXXX XXXX back and was advised they never received any disputes from Transunion or XXXX  and again advised me.of my payment history. 

These two delq marks are causing me difficulty in obtaining preapproval status for a mortgage. I have exhausted all attempts to resolve this issue directly. Attached to my complaint is the documentation sent to me by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are collections on my credit report that are not mine i am going to list them here.        1.   XXXX   XXXX   XXXX   -   XXXX   2  .   XXXX   XXXX   XXXX   -  XXXX  3.   XXXX   XXXX   XXXX   -  XXXX  4.   XXXX   XXXX   -   XXXX  5.     XXXX   XXXX   -   XXXX   6.   XXXX   XXXX   -  XXXX  7.   XXXX   XXXX   -  XXXX  8.   XXXX   XXXX   -   XXXX   9.   XXXX   XXXX   -  XXXX  10.   XXXX   XXXX   XXXX   XXXX   -  XXXX  11.   XXXX   XXXX   XXXX   -  XXXX
Product: Credit card or prepaid card

I was looking over my Chase/amazon  credit card XXXX statement. When I closely got to looking at it. I noticed I was being charged for amazon XXXX, amazon XXXX, and was getting double billed. Amazon XXXX was billed on XX/XX/XXXX and XX/XX/XXXX for XXXX. On XX/XX/XXXX I was charged XXXXfor Amazon XXXX. Then on XX/XX/XXXX I was charged XXXX for Amazon XXXX, and then again on XX/XX/XXXX for XXXX. I only agreed to pay for the one amazon XXXX. Which I was told included the music free shipping, and video. As I was talking to them. I decided to look at another old bill. When I got to looking at that one, I noticed back on XX/XX/XXXX and on XX/XX/XXXX I was charged XXXX for amazon XXXX, On XX/XX/XXXX I was charged XXXX, and on XX/XX/XXXX I was charged XXXX for amazon XXXX. Now before I mention the old bill the lady said they will reimburse me the 2 months of music. When I mention the charges that go back to XXXX. I was told that they would pay me for the double billing, but not for the music. After question that they ended up paying back the XXXX  and 2 payments of the music. The total amount XXXX. Then when I went to ask any question. The lady couldn't answer any of my question. Then I called Chase. I explained to the gentlemen what was going on. He went to look it up. Then told me then I have been charged for the music since XX/XX/XXXX and the video since XXXX of XXXX. Never did tell me about the double billing on the XXXX. Then he told me that since there was so many transactions he had to send me to another department. Where I spoke to a lady. She explained to me that she could only go back to XXXX of XXXX. So now I am out of that money that they took out for a year.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> my credit was ran at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX. XXXX XXXX XXXX. This resulted in a hard inquiry on my credit report. I have never been to this dealership and did not authorize anyone to run my credit.
Product: Credit reporting or other personal consumer reports

Consumer Submitted method of verification letter to request hard evidence that goes back to the original creditor. Under the FCRA, the credit reporting agency is required to give you a method of verification within 15 days of your request. All documentation by email or mail. 
FCRA required Accurate fairness and privacy of each CRA. 15 U.S.C. 1681e ( b ) ). CRA and XXXX XXXX XXXX XXXX Repeatedly reporting the Credit card Charge Off each month creates an inaccurate and misleading credit report, which negatively impacts my credit score and the statute of limitations for reporting a credit Charge Off is XXXX years from the date of the delinquency leading to the credit card Charge Off ( 15 U, S.C. 5 1681c|aX4 ) ). Reporting this Credit Card Charge Off multiple times does not extend this statute and is therefore improper. I request that you prompty investigate this account and correct the inaccurate removing the repeated entries of XXXX XXXX XXXX charge off from my payment history. Please correct credit report accordingly and provide me with a confirmation of these corrections. thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inquiries on my credit report that I do not recognize they have not been signed or authorized by me I have been disputing these since XX/XX/XXXX and nothing is being done!!!! 

Creditor Name : DC/APT OWNER Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : CONTEMPORARY INFORMATI Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : NOWCOM/WESTLAKE FINANC Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX CARD Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Bank 's Discover Bank Consumer Privacy Statement says that Discover Bank does not share consumer personal information with nonaffiliates but has furnished my non public information to nonaffiliated third parties such as credit reporting agencies. I opt out of, consented or implied consented, reporting of this information. It is an invasion of my privacy and against the Privacy Act of 1974. There is no law that states Discover Bank MUST report any information about me to a third party. Removal of my personal information they have shared needs to be done immediately.
Product: Credit reporting or other personal consumer reports

IM NOT 100 % SURE, BUT I BELIEVE A FAMILY MEMBER GOT A VEHICLE IN MY NAME AND OPEN UP A BANK ACCOUNT, IM NOT SURE OF THE SPECIFICS. I JUST KNOW I START RECIEVING CALLS AND THEY DIDNT STOP. BUT I UNTIL THIS DAY, I NEVER SEEN THE VEHICLE, DROVE THE VEHICLE, SIGN FOR THE VEHICLE OR ANYTHING. IM XXXX  SO I DONT UNDERSTAND A LOT ABOUT CREDIT, BUT I BEEN LEARNING THRU XXXX. I WOULD LIKE FOR THESE FRAUDULENT ACCOUNTS TO BE REMOVE.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B says we must delete wrong accounts from my credit report. Can you check the papers? Some accounts listed are wrong in how they're reported, like wrong amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regard to an account that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to Equifax several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've have provided the bureau with an FTC Identity theft report, I've called Equifax and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ). I have even sent copies from XXXX & XXXX  showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, services, or for any other purpose as described in this report. I did not receive any money, goods, services, or other benefits as a result of these events described in this report.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit 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 consists of a personal credit card account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX and a collections account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$1400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

This company violated my consumer rights and heavily impacted my credit score. This is considered identity theft where I gave no written consent to anyone to use my information. I am exercising my rights. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I have no knowledge of this and want this removed due to fraudulence. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " It states an entity, company, person and etc. are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. '' And due to Credit Counsel not being able to verify the account numerous of times nor provide any type of proof I would like this removed. I am due for the monetary relief of XXXX  since my information has been validated. 
There has been phones and letters stating a debt that I do not owe. I requesting for help for this items be deleted from my credit report along with the stress it has caused me. 
Thank you,
Product: Credit reporting or other personal consumer reports

I have sent disputes to TransUnion, XXXX, and XXXX regarding inaccurate information reported on my credit report. I specifically listed the accounts and informed them of the violations they are committing against my consumer report. It has been over 60 days since my initial dispute letters were sent, and none of the credit bureaus have provided a response. Copies of all correspondence sent are attached for your reference. 

These companies have violated FCRA 623 ( a ) ( b ) by failing to mark the disputed accounts as such.

Additionally, FCRA 605 ( c ) has been violated as the reporting period has continued despite the last activity on these accounts being incorrectly reported. This should reflect the actual date of the last payment made.

Moreover, this company has repeatedly failed to validate the collection account, thereby violating FDCPA 809 ( b ) according to FTC guidelines. 

I request that these inaccuracies be promptly corrected, as they are adversely affecting my credit standing and rights under federal law.
Product: Bank account or service

I opened a Line of Credit with Chase on XX/XX/XXXX. This was part of my retirement financial planning. I XXXX XX/XX/XXXX. Since that time I have continually used my line of credit and also took out a Reverse Mortgage. In a letter dated XX/XX/XXXX Chase advised they were no longer offering personal Lines of Credit as a product. They said in the letter they understand access to credit is important to me. If they did understand, they would recognize the impact of this decision on XXXX. The alternatives they suggest are credit cards and a home equity line of credit. These are not viable options for XXXX. The interest on credit cards is prohibitive and not tax deductible. A home equity is also not an option for XXXX with a Reverse Mortgage. I understand discontinuing a product and/or a service. What I do not understand is Chases 's failure to recognize the consequence their decision has on their customers, especially XXXX. What I really do not understand is the decision not to offer existing customers the option of retaining their accounts. I have had this account for 21 years and now that I am left with no other recourse because I am a XXXX, they are " pulling the " plug ''. I find this decision not to " grandfather '' this product for existing customers, specifically XXXX, discriminatory
Product: Credit reporting or other personal consumer reports

After examining my credit report, I noticed several billing discrepancies. The late payments are at odds with my usual payment history. Please rectify these errors and update my account. Thank you!