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

I am filing a complaint against Equifax for failing to investigate my disputes regarding inaccuracies in my credit report properly. Despite my submissions, Equifax consistently responds within XXXX 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 proceeding9File 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 card

My Best Buy Credit Card, was transferred over from XXXX to Citicard in XX/XX/XXXX. I have contacted Citibank in 3 different occasions, in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I paid the annual dues for the account and my account was confirmed to have a XXXX balance on a recorded line. I just had another call today XX/XX/XXXX at XXXX were they reconfirmed my account has a XXXX balance. However my credit report shows a delinquent account from Citibank Best buy account, they have told me that this would be removed since XX/XX/XXXX and it has n't, they do not want to provide me with written proof that i have a XXXX balance or that my credit report has been updated.
Product: Mortgage

This 2nd mortgage was opened in XXXX for {$30000.00} from XXXXXXXX XXXX 
It was paid up until XXXX when I requested a modification. I was told that the first was modified and the 2nd was rolled into the first and I only had one mortgage. 
I kept paying my first mortgage and am up to date and in good standing. Now almost 10 years later a loan servicer from CA ( West Coast XXXX  ) sent me paperwork requesting XXXX or they will foreclose on my home. I have since hired a lawyer to help me work through this process. I have a conciliation hearing on XX/XX/XXXX. But since I never received any statements, notices, nothing I think this is unfair or predatory. When I asked them for a modification, they offered a XXXX loan at {$500.00} per month, with a balloon payment after 10 years of {$67000.00}. I am XXXX XXXX XXXX ; my wife is XXXX and a XXXXXXXX XXXXt. I am her sole caregiver. We live on Social Security only. This is why I have hired a lawyer to protect the home from XXXX.
Product: Money transfer, virtual currency, or money service

Scammers, posing as XXXX XXXX, fooled me into sending them {$35000.00} from my TD Bank checking account leading me to believe that I had mistakenly instructed its computer to " refund '' me that money. They showed my TD bank account with that deposit and an account that now held {$76000.00}. I learned on the next business day that it had wiped out my checking account. I was left with {$150.00}. That employee did not tell me that if the transfer goes through i would be left with that amount. It would have exposed the scam if that information was shared with me. It should have. A simple bank procedure. He failed at his job and I became a victim. The bank claims that it did nothing wrong. 

The bank employee failed to spot that this had all the earmarks of a scam. He failed to ask me the name of the person that i am sending this money to in XXXX. The bank claims that I told the bank employee when asked why i was sending this money, the reason was " funds to family member for medical reasons. '' I should have been asked the name of this so called family member. I am not XXXX and have no relative sin XXXX. The bank claims I said verbally ( hearsay ) but did not put that writing for me to sign and no other questions were asked. No due diligence. XXXX XXXX XXXX and XXXX XXXX XXXX advocated to the bank in meetings, press conferences, TV coverage ( twice ) and correspondence to the bank 's CEO that the money should be restored. The bank responded that it would set a dangerous precedent if it restored the money it would have do the same that for all other complainants. My local bank manager exclaimed " it happens all the time! '' What does the bank do to protect its customers. Does it have an obligation? Was this employee trained to spot a scam and how to avoid? Apparently not. 

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

Discovery, New information. 
I recently disputed a chapter XXXX bk from XXXX, XXXX as fraud. Because I was advised by the courts this was not going to report yo my 3 credit bureaus. The bankruptcy courts has advised me they did not report and to reach out to XXXX and Lexis Nexis to resolve. 

Enclosed you will find information from US Bankruptcy Court Northen District of Alabama. 
1. Inaccuracies Documentation shows Attorney XXXX XXXX XXXX filed incorrect paperwork to the courts. It was not received in 14 days .The judge dismissed my case. See attached. 
2 .Order of dismissal Judge dismissed the case hearing will not be heard. And all my attorney fees were reimbursed. Please read attached. 
3. Due to inaccuracies Judge dismissed the case. 
4. Yes, Lexis Nexis verified that a bankruptcy was filed with my ss # and name. But do to a Notice of Deficient filing or Incorrect Event. Case was dismissed and automobile was surrender to US Automotive.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NAVY FEDERAL INVESTMENT SERVICES, LLC XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Opt-Out Request Regarding Consumer Reporting Dear, Navy Federal Credit Union I hope this letter finds you well. I am writing to request an opt-out from the sharing of my personal information by Navy Federal Credit Union with consumer reporting agencies, in accordance with the Fair Credit Reporting Act ( FCRA ) and related statutes. 

Under the provisions of the FCRA, specifically highlighted in sections 15 USC 1681 and 15 USC 6801, there exists a fundamental requirement for financial institutions to uphold the privacy and security of customers nonpublic personal information. My concern stems from the obligation stipulated in 15 USC 1681 section 604 ( a ) ( 2 ), which states that consumer reporting agencies may only furnish a consumer report with the explicit written instructions of the consumer. To date, I have not provided such written consent for the disclosure of my personal information. 

Moreover, the FCRA mandates that financial institutions like Navy Federal Credit Union must inform consumers about their rights to exercise nondisclosure options regarding their nonpublic personal information, as indicated in 15 USC 6802 ( b ) ( c ). I have not been adequately informed about or provided with the means to exercise this right. 

Additionally, the FCRA prohibits the inclusion of certain adverse items in a consumer report after a specific timeframe, as outlined in 15 USC 1681C ( a ) ( 5 ). Yet, I have observed adverse information being reported without my consent, which contravenes the statutory provisions. 

Furthermore, it is my understanding that every consumer reporting agency is required by 15 U.S. Code 1681e to maintain reasonable procedures to prevent violations of the FCRA and to limit the furnishing of consumer reports to specific purposes listed in section 1681b of the Act. I am concerned that Navy Federal Credit Union may not be adhering to these statutory requirements. 

Finally, under 12 CFR 1016.7, consumers hold the right to opt out at any time from the reporting services provided by financial institutions. Therefore, I am formally exercising my right to opt out of Navy Federal Credit Union 's Consumer reporting services. 

I kindly request that Navy Federal Credit Union cease sharing my personal information with consumer reporting agencies and confirm in writing that this opt-out request has been actioned accordingly. 

Please provide written acknowledgment of receipt of this opt-out request at your earliest convenience. If any additional information is required to process this request, please do not hesitate to contact me at the provided contact information. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX ]
Product: Credit card or prepaid card

I opened a business credit card in XXXX. I attempted to pay my bill on time, but online, on my written statement, and over the phone, my balance appeared as {$2.00}. When I paid the card online, the only amount it showed I needed to pay was {$2.00}. I knew there was more charged on the card, but couldnt figure out what amount or how to pay it. I was assessed late charges while trying to figure this out. 

When I called to close the account and pay off any outstanding balance today, I was informed that there are apparently XXXX buckets in their system. XXXX bucket has the amount I owe on the card and there is another bucket or container that has the minimum amount due. I was only given access to the minimum amount due and that was misleading and fraudulent. That is why I wanted to close the card today. 

The reason Im reaching out is because when I closed the card, the personnel on the phone did not inform me that they were recording my call until the very end. They did so only in response to me asking for an email verification that the account was closed, insisting that the call was recorded, and that was my proof. However, they did not understand that the proof was only in their hands and not mine. They insisted they could only send me a written statement, which I worried would not arrive, and so I requested some other proof in the form of a confirmation number or employee number so that I could call back and verify in case the letter did not arrive in the mail. They said they could not do anything further, and refused to let me to speak with anyone else. Then they hung up on me. 

I called back, and the gentleman who answered did give me a confirmation number, but I hung up feeling like this was not on the up and up. I am concerned that they wont close my credit card, and will somehow charge me or affect my credit later on. Also, they were very misleading as to how, and what amount to pay on my card. If anyone else were to take out a credit card with them, I would hate to see them rack up charges and late payments not knowing that they have this really obscure and not readily apparent system of only revealing and allowing payments of {$2.00}, yet charging late fees for the remaining unpaid balance.
Product: Credit reporting or other personal consumer reports

This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. You are also violating my rights under 73 P.S. 201-1 et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also the following inquries not mine never did anything during those date mention here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the next addressees never lived there XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX MA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Predatory Lender Protection Bureau, Please reopen and escalate complaint XXXX. 

Since XXXX XXXX XXXX has instituted new and previous used tactics familiar to the CFPB and has worked previously on these issues : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX continues to mail letters to an address that I do not own in XXXX while naming an LLC that I registered in XXXX, that is non-functioning, and not involved in this action, as an attempt at intimidation. 

Using XXXX call centers and numerous off shore debt collectors, XXXX XXXX has shared my most sensitive financial information including social security number, and contact information far and wide, exposing me to permanent cyber-attack risks by bottom feeding financial firms. In its latest attempt to intimidate and harass, XXXX XXXX XXXXXXXX, XXXX has threatened to sue and if a lawsuit. It is the CFPB 's duty, responsibility and obligation to fulfill its charter in protecting consumers from companies practices such as XXXX XXXX. The CFPB is explicitly aware of the practices XXXX XXXX is employing to destroy small business, steal data and information, ruin credit, and otherwise torment young, small businesses. 

If XXXX XXXX files lawsuit, I will have no choice but to file a counter suit and name the XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX for their cooperation and collusion in violating consumer protection law to inflate debt for profit at consumer expense. These companies have already been brought to the CFPBs attention and has yet to demonstrate or take meaningful action. If the CFPB continues to demonstrate a blatant disregard for their duty and care owed to consumer will be names as co-defendants and treated as conspirators in the scheme. 

I act in the interest of protecting others so similarly situated and unable to defend themselves, since I am so able and keen to take on these forces of darkness and evil, intent on harming and hurting my fellow Americans and I. Here now, I call on the CFPB to aid my cause and be warned to not abide these and other injustice anymore, else or failure to act will surely cause us all to face eternal demise in extreme peril for all time. 

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

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX / ... WAKEFIELD ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a collection account with XXXX and explained that the account belongs to someone else. The investigation took less than XXXX hours and the account was not removed. The was nothing from XXXX explaining why the account remains and only place a comment " Disputed by the consumer ''
Product: Credit reporting, credit repair services, or other personal consumer reports

There have multiple changes and errors my credit report and there is not a complete accuracy of payments across all three credit bureaus. I have made multiple attempts to correct this error, however there is no other suitable solution.
Product: Payday loan, title loan, or personal loan

I paid a total amount of {$91.00} on XX/XX/XXXX at XXXX pm and another repayment of {$14.00} on XX/XX/XXXX at about XXXX pm For a total payment of XXXX. They still tried to withdraw another {$14.00} the next morning on XX/XX/XXXX. I spoke with three employees who each said I should be issued a refund due to the fact the amount was paid before the due date of XX/XX/2022. I never received any such refund. My current remaining balance should've been about {$91.00}, instead, I'm showing a remaining balance of XXXX. I will not pay another payment until this gets taken care of! I will file complaints through every government agency if I have to.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX ) as supporting evidence of my identity theft claim. 

Pursuant to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX / XXXX Additional Legal Basis : Violation of Section 1681b of the FCRA Additionally, 15 U.S.C. 1681b establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the consumers express written consent.

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file.

Requested Actions Immediate blocking and removal of the fraudulent account listed above.

Written confirmation of the removal of the fraudulent information.

Assurance that the deleted information will not be reinserted into my credit report in the future.

Several times, I have contacted the credit bureau reporting this fraudulent account on my report, yet CREDIT BUREAU has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, this account has already been deleted and not verified by other bureaus, which raises concerns as to why it remains on my report.

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete this account immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case.

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.
Product: Checking or savings account

opened an online account with axos bank. my identity was verified, by asking ss #, account approved, access to mobile check upload granted XX/XX/2023. I received unemployment back pay in several checks. the only sign regarding mobile check deposits was no more than {$50000.00} in a XXXX hour period, and new customers XXXX have a XXXX hold on I entered maybe XXXX XXXX checks, the first night then a little less the next day. By the XXXX, the accounts were restricted pending I mail physical checks and a selfie of me holding my Id. I responded to the email, I lost my ID. I requested a supervisor call me. different people were messaging within the app but no calls I sent lots of shared emails and parts of policy and and disclosures. XX/XX/XXXX, I requested that the accounts be closed and retun my money. They said I wasn't getting my money without a physical ID. That wasn't required to get the account approved and opened. It also wasn't required over the course of the 2 days I spent depositing these checks. There should have been a cut off or notified me that I couldn't access my funds without Physical identification. and I would not have kept depositing my checks. I can mail the checks but I have no ID. Can they withhold my money even though I identified myself to get the account approved and they never mentioned that in some cases a physical id may be required. they are XXXX XXXX issued. They have already cleared and been authenticated, I just want to close the accounts and get my money and move on
Product: Credit reporting or other personal consumer reports

I previously reported a complaint to you # XXXX back in XX/XX/XXXX in reference to the Credit Bureau Transunion simply allowing several unfamiliar addresses, titled /resident " single family home '' on to my credit report without any notice to me. My reports with all XXXX major credit bureau 's have always been frozen. I disputed this incident with Transunion however the response I received back from them in return wasn't sufficient. 
Within this situation happening not only did someone get approved for rent with an application using my good standing name and credit. They not only racked up {$10000.00} in past due rent. Also used an electric company in XXXX XXXXXXXX XXXX and racked up a past due amount of {$770.00}. And now I believe it to be the same unidentified person racked up over {$17000.00} in my name with a company called XXXX XXXX. All these collections agencies are coming after me. I barely can keep up with it all. I reported all of it to XXXX Police Dept. As well as to my own XXXX XXXX XXXX in XXXX XXXX ; Also reporting it to every .gov I can come across but feeling like I'm not getting any real concrete answers. I've never lived in Michigan much less have ever done business in Michigan. XXXX of the unknown addresses on my Transunion report had the state of Michigan on it. I am positive that all of this mess I'm dealing with still today is due impart to Transunions negligence promising customers complete security with our most private information. Does Transunion have some class action law suit against them at the moment. Or fairly recently? I read somewhere something about just that. 
Please help me. My health is declining since all of this happened to me. I've lived recently in the same house address in XXXX ga for almost XXXX yrs. Age of XXXX until XXXX. My credit has always been excellent. Now someone is using my legal name and social security number. Please help