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

I am filing a complaint agaiest 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. These are the accounts I have been consistently having the errors with XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, XXXX XXXX XXXX XX/XX/year> )
Product: Debt collection

The creditor did not provide proper verification of debt. I have included what was sent to me.
Product: Checking or savings account

I GOT AN ALERT ON MY XXXX ACCT THAT SOMEONE USED MY INFO TO OPEN A CHECKING XXXX  XXXX reported a new account on your XXXX  Credit Report. 
XXXX XXXX reported a New Bank/Credit Card to your XXXX  Credit File . 

Source : XXXX XXXX : XXXX  XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX Balance : {$0.00} WHAT NOW? 

Get transaction alerts and track spending on your new account with our free Personal Finances tool!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX credit report i have 2 hard inquiries on XX/XX/2023 and XX/XX/2023 from American Express/AMEX . I also have 5 soft inquiries from American Express/AMEX for the same days. 

On XX/XX/2023 i have a hard inquiry from XXXX XXXX along with 1 soft inquiry on the same day. 

I also have 1 hard inquire from XXXX XXXX XXXX and 2 soft inquiries for the same day of XX/XX/2023. 

All these are duplicates and are not accurate. These companies ran my credit multiple times without my permission resulting in multiple inquiries on my account. These applications were for pre approvals which they assured me would be a soft inquire and not a hard one. However, weeks later, the inquires say they're hard. This is not accurate representation of my account and i want the hard inquiries removed because these were suppose to be soft inquiries, hence why we have so many soft inquiries from the same companies on the same dates. I believe this was a mistake on their part and id appreciate it if they removed the duplicates.
Product: Debt collection

Over the past several months I have been receiving calls stating " This is Transworld Systems Inc., a debt collection agency, calling about a debt, any information provided can be used against you ... .... '' The calls never identify my by name or specify what the debt is. My credit score is over 800 and I have no outstanding debt that I am aware of. The calls all display the local ( XXXX  ) area code and when I block the number on my phone, I get another call in a couple days from a different number. I have over 15 blocked numbers for them stored in my phone at this time. The messages all say to " contact XXXX XXXX @ XXXX and refer to claim # XXXX. '' I am not about to answer or call a number which may be a phishing scam, since they have provided specific information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several names that are listed on my account. I have offered to send in LEGAL PROOF of what my name is to remove the incorrect names. They proceeded to tell me because the incorrect name was linked to one or more accounts then they could not remove the name. Same thing with the addresses. I need my legal address on file. I do not wish for any information to be sent to any other address because of Identity Fraud! I NEED THIS RESOLVED YESTERDAY! I have called multiple times to only receive a CS agent that wants to push the problem off.
Product: Student loan

My student servicer was the Pennsylvania Higher Education Assistance Agency ( FedLoan Servicing ). I paid off the balance of my student loans XX/XX/2016. Prior to my final payment, I was able to view my payment history and accrued interest on the FedLoan Servicing website. However, after my final payment was processed, my online access to this information was removed, and I was provided the following message, " We 're sorry - the feature you requested is not applicable to your account. '' I was not informed by FedLoan Servicing that this information would no longer be available. 
I recently started my 2016 taxes, and I noticed that the student loan interest received by lender reported on my XXXX form appears dramatically lower than I would have estimated. Since I no longer have online access to my payment history and accrued interest, I can not verify the amount on my XXXX form. I called FedLoan Servicing, and the representative stated that he was unaware that this information was removed following final payment. I requested a copy of my full payment history and accrued interest, and the representative informed me that this information will be emailed to me, but it may take up to 30 days to process the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$17000.00} XXXX/XXXX  XXXX {$220.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$990.00} XXXX/XXXX  XXXX {$3100.00} XXXX XXXX {$3100.00} XXXX XXXX {$260.00}
Product: Prepaid card

NETSPEND promised on XX/XX/2024 to remit the balance in my account by XXXX ) making an ACH transfer and XXXX ) sending a paper check in the amount of {$1000.00}. The paper check was NEVER SENT. 

REPEATED CALLS TO NETSPEND 'S " : COPORATE RESPONSE TEAM " NOW DO NOT EVEN TRIGGER A RETURN CALL!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 15'1 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not persuaded that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting incorrect information on MACYS/XXXX. Per XXXX, reporting must be XXXX XXXX accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1581 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove all inaccuracies, errors, and all inaccurate accounts listed under frivolous addresses immediately after investigation. I am not affiliated with no other addresses but the XXXX. XXXX address, thank you. The correct address is XXXX. XXXX XXXX XXXX FL XXXX. Please remove any other addresses listed on my credit file. The XXXX. XXXX address listed above is the correct address. TransUnion, XXXX, XXXX this is my 3rd and final letter contacting you about the inaccurate information that continue to report on my credit file. You have violated my rights using my consent and falsely accused me of these inaccurate accounts and the error of my address. I demand that you remove the inaccurate accounts immediately. In the FCRA section 609 it clearly states if you cant provide me with any original contracts with my signature showing that I owe a debt on the account that is reporting inaccurately it must be removed immediately so Im demanding that the inaccuracies and errors be removed within 24 hours. There is a pending complaint file with The FTC and lawsuit against your companies.
Product: Mortgage

I am a new customer of UWM. I was notified by my insurance agent that my homeowners premium was only partially paid by UWM. My insurance agent and I both attempted to contact UWM multiple times to have this resolved and were unable to make contact with a single person at this company. After a week of XXXX contact, I reached out to my loan officer ( who does not work for UWM ) to request a different method of contacting this company. My contract stipulates that my premium would be paid in full by UWM. I do understand that mistakes happen, however, the inability to even contact a company representative or have an email returned is absolutely unacceptable.
Product: Mortgage

Clicked a link I saw online to get free information from Quicken Loans about refinancing my mortgage in order to save money. Clicked through, advised my credit to be run, and then got the results. They couldn't save me any money, all of the options were more expensive than I was paying. Later this morning, XX/XX/2019, I received a call from XXXX XXXX. The information I have for him is ( XXXX ) XXXX-XXXX, XXXX, NMLS : XXXX. 

I told XXXX that based on the results online, it didn't appear to be beneficial to refinance as all the options were more expensive than my current situation. He said he wanted to look into it a little more and that there may be more options he was able to provide than what I saw online. He asked for some basic information, and then told me he needed my birth date and social security number to give me some real numbers. I specifically told him I had already had a hard pull on my credit earlier that morning with Quicken Loans and that I didn't want another pull, he could just access that information that I already consented to. He then lied to me and advised that Quicken Loans could access that first credit pull for 14 days with no harm to my credit and without doing a second pull, he just needed my birth date and social to access the report. He then did a second hard pull on my credit, and all of the options he came up with would raise my monthly mortgage payment so I wasn't interested. When I found out that I was lied to and there was a second hard pull on my account I attempted to reach him at the number provided but was unsuccessful. I don't think it's fair for a company representative to lie to a consumer in the hopes that maybe it helps them to close a loan.
Product: Mortgage

Subservicer Bayview Loan Servicing LLC, keeps sending Loan Adjustment Agreement or permanent modification agreements with illegal conditional waivers. Bayview Loan Servicing has dual tracked borrowers for over a year and attempted foreclosure on borrowers over ten times while borrowers are in a current active workout and making payments on a trial payment plan for over a year. Subservicer Bayview Loan Servicing uses a tactic of sending the permanent modification out with illegal conditional waiver for borrower to sign. Then when borrowers fail to give up their rights because the permanent modification agreement has illegal conditional waiver Bayview Loan Servicing will state to the CFPB borrowers declined the permanent modification agreement or borrowers failed to return the permanent modification agreement ; however, Bayview fails to tell the CFPB they put a illegal conditional waiver in modification agreement demanding borrowers give up rights so that Bayview Loan Servicing can dual track them, the waiver also demands borrowers to give up their rights to an attorney and a trial by jury. Therefore, we are providing the Attorney General proof that we did n't decline the modification agreement and have submitted the following to Bayview Loan Servicing LLC. Bayview stated in a response to the Consumer Financial Protection Bureau that they had a right to put the illegal waivers as a condition to the permanent modification agreement. Bayview Loan Servicing LLC, also threatened us and stated if we fail to return the permanent modification agreement signed with the illegal conditional waiver giving them right to dual track us, taking away our right to an attorney and also taking away our right to prevail in court if they foreclose then Bayview Loan Servicing LLC has had us in a trial payment plan current active workout for over a year and threaten us stating they will put all the trial payments plan payments into a suspense account and foreclose on us
Product: Debt collection

Hello all, This debt is based up on my XXXX XXXX which I stopped using it two months after getting it. Now, I receive this debt with an amount of XXXX USD even though I had the XXXX XXXX device at home. I would like to receive details of the amount that the company XXXX XXXX XXXX XXXX XXXX XXXX is asking me to pay. I will appreciate receiving information about it. The letter was received XXXX XXXX,2017 from Transworld system Inc based on the debt had with XXXX XXXX XXXX XXXX. Best Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX DC XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX  DC XXXX Subject : Formal Complaint Against Experian for Violations of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to formally lodge a complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ), specifically under sections 1681 and following. My rights as a consumer have been compromised due to inaccuracies in my credit report, and I believe that Experian has failed to uphold its obligations under the FCRA.

The following issues have prompted my complaint : 1. **Inaccurate Information** : My credit report contains incorrect information that does not accurately reflect my credit history. The FCRA protects consumers from such discrepancies, and I have attempted to resolve these issues through the dispute process without success.

2. **Willful Noncompliance** : Despite following the proper dispute process, Experian has refused to correct the inaccuracies. As a result, I am entitled to recover actual damages, statutory damages, punitive damages, court costs, and attorney 's fees due to this willful noncompliance.

3. **Unauthorized Access** : Under Section 604 ( f ) of the FCRA, the unauthorized use or obtainment of a consumer report is prohibited. I request verification that all inquiries made on my report were authorized.

4. **Negligence** : Section 617 states that any party negligent in failing to comply with FCRA regulations is liable to the consumer for damages. I expect a thorough investigation into this matter.

5. **Accuracy Requirement** : According to Section 607 ( b ), consumer reporting agencies must ensure the accuracy of consumer reports. Experian has had ample time to address these inaccuracies, yet they remain unresolved.

I have attached evidence, including screenshots of two accounts that were incorrectly updated on my report, which do not belong to me. My credit score has fluctuated significantly as a result, and I am seeking immediate correction. 

If my credit report is not corrected by XX/XX/year>, I will be forced to pursue legal action against Experian for the violations of the FCRA outlined above. 

Thank you for your attention to this serious matter. I respectfully request that both the CFPB and FTC investigate this situation and take appropriate action to protect my rights as a consumer. 

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

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Florida XXXX XXXX of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It XXXX Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The following personal information is incorrect NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. The following personal information is incorrect EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MN XXXX XXXX. The inquiry was not authorized DSRM Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following accounts were closed by me and should state that XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate and Verify This Debt The Original Creditor is Inaccurate XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate and Verify This Debt The Original Creditor is Inaccurate XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

I have an unverified account from XXXX XXXX XXXX a.k.a XXXX XXXX, XXXX. I have previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt they purport I owe. XXXX XXXX XXXX has reported a collection on 2 credit reporting agencies on XX/XX/2018. I sent registered letters to XXXX XXXX XXXX requesting validation of debt for their account # XXXX to the address listed, on XX/XX/2018, with an improper response validating this account, no competent evidence bearing my signature to properly validate this alleged account has been received. Again they failed to provide the information I requested. Instead, they sent letters dated XX/XX/2018 outlining erroneous statement of charges from the alleged account as debt validation. I have requested that XXXX XXXX XXXX, verify the following information : 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in an attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If XXXX XXXX XXXX is unable to provide the above identifying account information, this account must be deleted from both credit reporting agencies. This account is affecting negatively on both credit reporting agencies. I have already notified all 3 credit bureaus regarding this issue. The agency insufficiently met it's statutory burden pursuant to FDCA because ( 1 ) the agency did not provide the account 's date of first delinquency, nor ( 2 ) provide me the account 's the date of last activity. I have not now, nor ever had any contractual obligation or arrangement with XXXX XXXX XXXX.
Product: Prepaid card

I 'm not able to access money not able to go online and check my account and not able to login to my account balance is showing XXXX when there are available funds direct deposit is not showing
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Checking or savings account

On XX/XX/2018, I was a victim of bank fraud. I received 2 emails from Chase about a provisional credit for 2 claims. I tried logging into my account to received a message my account is suspended and I needed to call. I called Chase and the representative told me my account is subject to closure and she will not tell me why. I reported the claims as fraudulent. I visited the local branch on Monday to get a copy of my transactions which Chase refused to tell me on the phone. I found more fraudulent charges that were done locally. I disputed those charges as well. Throughout this whole process, Chase did not contact me at all with any updates. I never received any alerts of fraudulent activities. Chase denied all of my claims and told me their reason is because I did not report the transactions and claims as fraudulent when they immediately occur and that my account was being monitor. Chase did not verified the phone number that was used to call for the claims made. I can also prove that I never called Chase. Chase told me they will not review any camera footages because my account was being monitor ( logging in ) but they did not state what device my account was being login from. I called my cell phone company to see if my mobile phone IP address may have been compromised which could explain how the thief was able to  get my information, XXXX stated that cell phones has temporary ip address. Meaning every cell tower you connect to, your IP address will change. An individual had all of my information to make fraudulent claims. It should be obvious that they also had my bank login information. Chase wants me to pay the negative balance.