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

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. XXXX consistently rest within 24 hours stating the account is accurate, without providing any evidence of a through investigation.This practice violates the Fair Credit Report Act ( FCRA ) ,15U.S.C.1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ) ,12U.S.C 5536 ( a ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No.2025-CFPB-0002 ) against them for similar violations.I request that the CFPB take action to ensure XXXX complies with federal law provides consumers with the necessary proof of investigation.XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX, XXXXXXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to incorrect items listed on my credit report. It has been well over 30 days and I have not received any investigation results. I demand that these items be deleted from my credit report.
Product: Debt collection

Ask my identity and address said I owed some ridiculous amount of money for a modem from my internet provider that I returned in the first place. I finally got the wrongful charge taken off of my credit report and even XXXX the internet provider called me and confirmed that I returned the router.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each time I call Equifax and XXXX and dispute an item or send them a letter asking them to provide me specific documents verifying my account, they lower my credit score. I have paid all my bill on time and even paid nearly {$8000.00} on one account in XXXX. My credit score should be increasing rather than decreasing. I have approached both agencies about this and they can not give me an answer. I am on the phone hours at a time trying to resolve the problem with my credit score and they are refusing to fix the problem. I did not have any negative reporting to make my credit score go down as low as it has. I have attempted to resolve this problem with both credit agencies and they have failed to attempt to make things whole and right in the matter. The agencies can not even tell me what caused my credit score to go down.
Product: Checking or savings account

When I banked with Wells Fargo from XXXX, I received several overdraft fees amounting over {$200.00}, despite having a student banking account. Some fees were even added despite me covering the overdraft within 3 hours or less.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

I wish you have other category. I received a text message from National Recovery Agency. The text message came to my cell phone, which identify my full name and address. 
The problems are following : My phone is XXXX. Cyber criminals could hack my phone. They have my name and address, My phone could be used by someone else. Now, he or she could see message and have my address.. 

Lastly, I do not have a clue what this notice is about. 

I did request to Stop. No reply back.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXXXXXX 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit acceptance was delete off my transition because they were not reporting the same information to XXXX and Equifax and that is a discrepancy and calls for the account being deleted. XXXX and Equifax shouldve followed suit because of the Discrepancies found.
Product: Student loan

Currently I have a loan with Wells Fargo; I have asked many times to lower my interest rate since my ability to pay has gotten more reliable.I also asked my Dad to be removed as XXXX I have imposed a burden on him for far too long and I stand on my own 2 feet.  I am now married with XXXX kids and a house; my ability to pay  should not be in question.A lower fixed interest rate would help me and my family immensely.Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of identity theft the credit bureaus are aware.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is collecting a gas company debt that is fraud. Someone opened a gas account in my name. I did was I was supposed to do and filed an ID Theft Affidavit with the three credit bureaus instructing them to block this item from my file and instructing XXXX to perform whatever fraud process was needed on their part. 

The bureaus did absolutely nothing ... and XXXX has done nothing as well. Does the FCRA stand for anything anymore?
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, this letter is regards to and issues with my personal information. I have tried on several accoucation to fix m y personal information with ojt any success. 
The personal address and no other address on my credit report should be as stated blow. 

XXXX XXXX -- -- -- -- -- -Only Please delete any other spelling or other names XXXX XXXX XXXX XXXX PA , XXXX Date of birth XX/XX/1977 My phone number is XXXX : Please update this information. I have enclosed my Driver Id for proof of address and date of birth. 

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

TRANSUNION is has been violating my rights under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

I am seeking {$1000.00} per violation for : Damages for a Willful Violation 15 U.S. Code 1681n - Civil liability for willful noncompliance Damages for a Negligent Violation 15 U.S.C. 1681o I asked several times for my credit report to be properly reported, and my demands have been neglected. In my most recent credit dispute, i specifically highlighted the accounts i was disputing, but instead Transunion deleted other positive accounts that i did not include in my dispute, and verified the accounts i disputed as accurate, without a complete report. I have asked several times for proof of investigation, and proof of method of verification, and also my demands have been ignored or neglected.
Product: Credit reporting or other personal consumer reports

ASK THE COMPANY TO SEND DOCUMENTS OR DOCUMENTATION SHOWING PROOF THESE ACCOUNTS BELONG TO ME. COMPANY ( S ) NEVER SENT PROOF THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED. 

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES. SOME HAS USED MY IDENTITY TO ENGAGE IN OBTAINING FRAUDULENT CREDIT IN MY NAME.
Product: Debt collection

Dear CFPB, I am writing to file a formal complaint regarding inaccuracies on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ). I have identified several accounts that have been erroneously attributed to me and are impacting my credit standing : XXXX. XXXX Account XXXX XXXX - {$2400.00} XXXX. XXXX Account XXXX XXXX- {$1100.00} XXXX. XXXX Account XXXX XXXX- {$1000.00} XXXX. XXXX Account XXXX XXXX- {$1000.00} These accounts were not authorized by me and should not appear on my credit report. Their presence constitutes a violation of the No Surprises Act. I am requesting their immediate removal. 

Additionally, I am concerned about potential violations of my privacy rights under HIPAA, as I did not consent to the sharing of any medical information that may have resulted in these entries. If these accounts are not removed promptly, I may have to consider legal action to protect my rights.

I request that the CFPB conduct a thorough investigation into this matter and ensure that these inaccuracies are corrected. I have also requested a response within the 30-day period as mandated by the FCRA. 

Thank you for your attention to this urgent issue. 

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

Ive we e recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Mortgage

Got out of bankruptcy XXXX  XXXX end of XX/XX/2023 my attorney told me to start paying XXXX I did. When I called flagstar they told me I was behind. I told them the trustee was paying my mortgage and it was cure. I even received a letter from flagstar attorney that my delinquency was cure. After that every month I was sending payments or partial payments to them. But they applied late. This year I send XXXX XXXX  total for XXXX and XXXX it just showing yesterday that XXXX was paid. They holding money and deposit months later so they can claim late fees they are harassing me even on Sunday by delivering mail. I didn't pay XXXX  or XXXX just XXXX . I have medical bills and city taxes to pay and at work they start cutting hours. Flagstar is incompetent. The payment center is in XXXX but corporate send me threat letter from XXXX Michigan I have XXXX  so does my wife who doesn't work..
Product: Mortgage

This complaint is in regards to not receiving answers to the questions that I had/have surrounding this account ; XXXX This account was transferred to my current servicer ( Rushmore Loan ) in XX/XX/XXXX, from the previous servicer ( XXXX, now known as Community ). At the time of transfer, I was and still am being assisted by a third party that is currently payment my mortgage ; XXXX XXXX  of Illinois. What I believe that has happened is that XXXX participated in fraudulent activity ( withholding funding to escrow to forward to my new servicer ). 

These actions placed the account as a deficit which has increased my mortgage payments from {$650.00} to {$950.00}. I have tried repeatedly to have answers on how to bring the account to the point where the payments are back at {$650.00}, I have not received any options at this point. There is absolutely no way that I will be able to afford the new amount of {$950.00}, and I have said this repeatedly. I have withdrawn the mortgage insurance, it will no longer be escrowed. I was told that it couldn't be done, due to the recent modification. However, no documentation was provided to confirm that statement. 

A second mortgage in the amount in {$5600.00} that is due in XXXX is currently being reported on my credit reports. I inquired as to why this was happening, and again, no answers. 

My final payment with XXXX XXXX  will be XX/XX/XXXX. At that point, I will be left to deal with Rushmore Loan Servicing alone. I need resolution, immediately. This situation is a complete nightmare, it almost appears as though Rushmore wants a delinquent account for submit for Foreclosure. 

Also, my account is with the Loss Mitigation Department and I do not know why. No one has informed me of anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company- EXPERIAN ; Called and was stated to file complaint with FTC .

Fraudulent Inquiries : -XXXX XXXX  XX/XX/2022 -XXXX XXXXXX/XX/2022 -XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit card

Complaint regarding XXXX XXXX XXXX XXXX Name : XXXX XXXX -- -- XXXX REFUSED to credit me with XXXX reward miles on XXXX, as had clearly been stated and promised in their promotion for getting a new Visa card. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- - ALL MY CONVERSATIONS WITH CHASE HAVE BEEN RECORDED BY CHASE AND BY ME. 

*Opened the new card in XX/XX/XXXX, based on the promotion - '' get XXXX miles on XXXX XXXX after charging {$3000.00} in the first 3 months '' *Used the card immediately and charged {$4700.00} in the first 2 months, and paid it in full *Called Chase on XXXX. XXXX, XXXX at XXXX XXXX, and canceled the card. The agent ( named XXXX XXXX confirmed cancellation and assured me that " YOU KEEP THE EARNED XXXX XXXX MILES ''. 
* Called again on XX/XX/XXXX at XXXX XXXX  -the agent reconfirmed " you earned the XXXX miles, just wait for it to show on your reward statement '' * Called again on XXXX the same : " wait, not posted yet '' * On XX/XX/XXXX I talked to XXXX ( XXXX XXXX XXXX ) - now he tells me that " ... you did NOT earn the XXXX miles since the required charge should be {$5000.00} in the first 3 months '' * This is definitely a lie- the required amount, as promised should be {$3000.00} -- -- -- -- -- - Since all those calls have been recorded, it is easy to verify that XXXX is misleading and must post the XXXX miles in my XXXX plan and apologize for trying to cheat me out of the earned miles.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$200.00} XXXX XXXXXXXX Balance : {$190.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I buy a vehicle on XX/XX/2018, I payed on time my first payment but on XXXX was difficult for me make a payment, my mam has a XXXX I use the money for emergency. 

After having spoken 3 times with different people about my situation, I am receiving calls from particular numbers of Colorado demanding payment, these people have my personal information such as my name, phone, address, social security number but I have noticed that they are in Colorado and the calls do not come from California where the company is, ask why you call me after having explained my problem with 3 different people, the answer was that it is the system and they can not avoid it. It is a very strong psychological pressure to receive 3 to 5 calls every day. So far I have a phone list of people who call me around 45 calls from different Colorado phones. I worry because what happens to my privacy has been violated, I do not know these people to receive collection calls but after answering they identify that they work for Westlake Financial Services. I am responsible and I will cover the 2 payments XXXX and XXXX, but it is incredible that the day of XXXX XXXX they called me 4 times. The most anguishing thing for me is how easily this company shares the information without my authorization, they have not received anything in writing from my authorized share my privacy. I send documents of the contract for its revision. 
Thank you If you need I have a list the all phone call numbers, please let me know.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists All XXXX  credit bureaus are inaccurately reporting false information on my credit report, which is negatively impacting my life and significantly affecting my creditworthiness.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, Equifax and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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
Product: Mortgage

We purchased this property in 2002. Now we want to sell it and move to Florida due to health issues. We are unable to do this, as there are XXXX undisclosed liens on the house and no one seems to be able to resolve this issue. Both the closing attorney and the agent are telling me that they have no files or information that can help me. The only party who seems to have any records regarding this is the DMV where the XXXX liens are showing. The title company is not helping either ( letter attached ). Bank One ( seller of property ) has proved to be impossible to reach. The original contract states that they ( Bank One ) has granted a clear and marketable title. Please, help.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Chime regarding their handling of my fraudulent transaction disputes. Despite providing the necessary information, Chime has declined my disputes without valid proofs or reasonings for doing so. 

The fraudulent transactions in question occurred on my account on XX/XX/23 at a XXXX XXXX XXXX XXXXXXXX XXXX for {$45.00}. I reported this transaction to Chime and filed a dispute. Chime has declined my dispute without any valid explanation or evidence to support their decision. Their resolution has been to issue me a new debit card when I reported the fraud and then decline my dispute. Theyre evidence consistent of a receipt from the merchant along with the merchant clarifying that SOMEONE grabbed merchandise there but no proof of it being me. The merchant ( XXXX XXXX XXXX XXXX ) claimed to have checked video footage however if they did then it would be clear that I wasnt the one who purchased it. Furthermore, they provided no proof of me ( XXXX XXXX XXXX ) scanning my ID for the alcohol beverages that were bought with my card unauthorized. 

I have provided Chime with all the necessary details to support my disputes, including transaction details, and other relevant information that they needed for the dispute. I have also explained that I did not authorize this transaction and have no knowledge of it multiple times to them. 

Despite my efforts, Chime has failed to provide me with a favorable resolution regarding my disputes. This has caused me significant financial and emotional stress, as I am unable to retrieve my funds or resolve this matter. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and hold Chime accountable for their failure to handle my disputes appropriately. I am also requesting that Chime refund the disputed amount IMMEDIATELY and take necessary measures to prevent any future unauthorized transactions on my account. 

Thank you for your attention to this matter. Below Ive attached pictures of chimes proof/ supporting documents for declining my claim as well as a screen capture of the charge Im referring to. 

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

Upon review of credit report. I noticed hard inquiries I do not recognize : 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 XXXXP