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

I have sent multiple dispute letters to EQUIFAX regarding inaccurate information on my credit report. Despite providing evidence, EQUIFAX has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically : 15 USC 1681e ( b ) : EQUIFAX has not ensured the maximum possible accuracy of the information in my credit file.

15 USC 1681s-2 : EQUIFAX has continued to report inaccurate information after I provided notice of disputes.

15 USC 1681i ( 5 ) : EQUIFAX has reinvestigated and reinserted disputed items without notifying me, as required by law.

15 USC 1681c ( c ) : EQUIFAX has reported obsolete information that should have been excluded from my credit report.

Recently, I became aware of the lawsuit filed by the CFPB against EQUIFAX onXX/XX/XXXX/2025 titled " CFPB Sues EQUIFAX for Sham investigations of Credit Report Errors. '' According to the CFPB, EQUIFAX has failed to conduct proper investigations and has even reinserted errors on credit reports, which aligns with the issues I've been facing.

EQUIFAX 's failure to comply with these laws has caused harm to my creditworthiness, limiting my access to credit, employment, and housing opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently made aware of a derogatory account on my credit report from a XXXX bill with XXXX XXXX owed by my ex-wife. I sent XXXX XXXX supporting documentation that I had not lived at the service address since XXXX and that I had never received a bill for the amount in question. I also filed disputes with both Experian and XXXX to no avail. I contacted XXXX directly and did pay the amount due. XXXX refused to remove the item from my credit report. My unblemished credit report went down by XXXX points due to a debt that I was not aware of.
Product: Checking or savings account

Current failed to honor their published offer of {$50.00} referral bonus to the referee and referred. I opened a checking account XX/XX/XXXX and received a {$50.00} referral bonus XX/XX/XXXX after meeting the requirement of receiving a {$200.00} direct deposit XX/XX/XXXX. The same week, I referred my daughter XXXX XXXX XXXX ) and fianc ' ( XXXX XXXX ) and assisted them both with the account set up to ensure my referral link was captured in the application process and their direct deposit requirement were met by XX/XX/XXXX After more than 4 weeks of neither of us receiving the {$50.00} referral bonus, i contacted Current to inquire via chat as they are an online bank, and after providing my referral names and details, I was told by a customer service rep, my account reflected the referrals btu she could not resolve without chatting directly with my 2 referrals to verify direct deposits. I then, while in that chat, had my daughter initiate a chat and spoke with someone who confirmed we were to receive {$50.00} bonus but we needed to give more time for processing. 

About 3 weeks later, after still not receiving bonus, in early XXXX, I contacted Current again and was told that they could not help without speaking to my daughter. Frustrated with their failure to resolve, I requested a member of management and provide name SSN and birthdates of my referrals and it was confirmed the direct deposits were received and an investigation was submitted with someone to respond to me within 48hrs, A couple days later, I received a short message from someone claiming to be a manager advising, contrary to what we'd been told by previous reps, the referral would not be paid because my referral link was not used during their account opening. I knew with all surety this was not true as i was apart of the set up process ... .and to test my theory of their deceitful practices, I then referred one more person ( A. XXXX XXXX XXXX and again assisted her with account set to ensure referral link was used. Her direct deposit was received XX/XX/XXXX and I emailed the responding manager, to advise that I referred a 3rd person and had not received bonus and suggested they investigate a possible system glitch/error. Without soliciting the name or other details for the 3rd referral to verify my assertion, she responded that we were not eligible for the bonus as the referral link was not used. This company is deceitful in their practices and did not honor the {$150.00} due to me for 3 referrals, nor the {$50.00} to each referred. If not resolved, we will all be closing our accounts and referring no one else to this bank.
Product: Debt collection

I am submitting this complaint as there is no third party involved, I am making this complaint to AARGON AGENCY INC on my own behalf. Because I believe this business is infringing on my right to privacy. The Privacy Act of 1974 is being pursued. 

This company exploited my personal identifying information without my permission, which is considered identity theft under 15 USC 1681a ( q ) ( 3 ). Also, this company is penalizing me, damaging my name, and undermining the public confidence by furnishing an account to the consumer reporting agencies for which they have no legal power or direct contract to try to collect on this supposed obligation. 18 USC 894 prohibits such conduct. " Collection of extensions of credit by extortionate means
Product: Mortgage

I 'm still not getting any customer service from suntrust. When I was finally able to get to a person on XXXX XXXX, it was XXXX XXXX and she told me she would have XXXX XXXX call me the next day, XXXX XXXX. She either lied to me like everyone else has and did n't tell XXXX XXXX to call me or XXXX XXXX just chose to not call me as she has repeatedly done in the past. I called again on XXXX XXXX and XXXX XXXX answered and I told her I wanted to speak to XXXX supervisor. She told me XXXX supervisor was not available, which I believe was another lie, but again she told me she would have the supervisor call me. I gave her my cell number, even though they should already have it, and I asked when I could expect a return call. XXXX XXXX told me the response time was 24-48 hours. I did n't really expect a return call because no one has ever returned a phone call when they said they would. After waiting the 48 hours, I called AGAIN on XXXX XXXX at XXXX. I got a recording that all the associates were busy and my wait time was less than 5 minutes. I think they just turn these recordings on after XXXX so they do n't have to take any more calls because the recording usually says the wait time is greater than 10 minutes. But even the recording LIED because I waited on hold for 20 minutes even though the wait time was supposed to be less than 5 minutes and after the office was closed. I knew nobody was going to answer the phone after XXXX. While I was on hold, there was also a message that came on several times saying if I wanted to leave a message, press XXXX and someone would return my call within 24 hours. Another LIE. No one has ever returned a call within 24 hours. EVER. They do n't return calls at all. 

I have to pay them XXXX dollars every month because if I do n't I 'll lose my house but they wo n't tell me the truth or return phone calls. This is completely unacceptable and should not be allowed to continue. They have negative comments all over the internet because I 'm not the only one they 're doing this to. I pay my mortgage on time every month so when I have a problem and need assistance I should be able to get it from people who are n't in the business of intentionally lying to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX : {$4600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Accounts and XXXX. I can tell that someone has stolen my identity. As a result, I filed a formal report to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX. In accordance with the provisions of FCRA XXXX XXXX ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., XXXX XXXX ). Please let me know if you require anything else. Please have the following items removed from my Credit File as soon as possible : 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 BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have read that under the Fair Credit Reporting Act section XXXX, you are required by law to remove any accounts and information that resulted due to my identity being stolen. I request of you to have the disputed items removed from my XXXX XXXX as soon as possible.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) section 605B, it is illegal to report information on my credit report without my permission. Please remove this item from my credit report : Account name - XXXX XXXX XXXX XXXX  Account number - XXXX Balance - {$15000.00}
Product: Mortgage

For the third year in a row now I have had problems with Mr. Cooper and how they are " analyzing '' my escrow account. The first year they did this analysis, they only took out for property tax and not insurance which I caught XXXX months before it was due. This caused a {$1400.00} deficit which raised my monthly payments from {$890.00} to {$1100.00} a month. I caught up on the escrow and even put in an extra {$500.00}. When the next analysis came up they wanted to raise my monthly rate ANOTHER {$50.00} a month. When I called and questioned they said basically said oops our bad and my payment dropped to {$1000.00} a month. Last year my payment dropped to {$970.00}. Now they just did another analysis and say I am going to be {$330.00} short, but when I did the math, I will have {$270.00} left after both property tax and insurance are paid and that was even adding an additional 20 % just in case. I was told by XXXX that I have to have at least XXXX months worth of escrow payments in my account otherwise it is a shortage. I told her that was XXXX  cause my second year there was {$550.00} after all payments ( and they sent me a check saying it was an over payment ), and last year there was {$490.00} after all payments were made and adjusted ( switched insurance companies and they STILL paid my old insurance plus my new one ). I am tired of this constant back and forth with them and want to make the payments myself. I have 51 % equity in my home so I should be able to control the finances.
Product: Money transfer, virtual currency, or money service

Company refused to provide refunds requested. They also used fake XXXX customer service number to get my personal information, my data was breached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  representatives have not communicated the proper information, contradicted there company statements and have caused actual damages to my person because of such actions. 

In efforts to resolve this situation, XXXX continues to verify illegitimate information after speaking with representatives via phone. 
XXXX is reporting a closed account with a remaining balance even after paying the amount due in full. Not only have I paid my account in full my security deposit was never put towards the balance even after there website and agreement states that it will. There website states " After you finish your XXXX XXXX  Account, ( which I have ) you will receive a payout of your remaining balance, minus the funds used to secure the deposit on your XXXX XXXX Credit Card and any outstanding fees or interest. '' The security deposit of {$100.00} should ensure that I have no remaining balance. 
Instead my account is being reported closed with a balance of {$110.00} even after paying an additional {$110.00} making a total of {$200.00} they have received from me. 
There website states " Any remaining funds not used to secure your deposit will be returned to you once you finish your XXXX XXXX Account. '' Meaning my security deposit was never put towards my remaining balance. 

Self representatives have done a horrible job in relaying the companies policy and resolving the issue which in turn has affected me drastically.
Product: Credit card or prepaid card

talked with a customer service representative about the summary of account dispute with unauthorized purchases started XX/XX/2020. there were NO transactions on purchases.
Product: Debt collection

" Creditor '' refuses to provide me with the income statement on the accounts receivable and accounts payable.
Product: Credit reporting, credit repair services, or other personal consumer reports

as of receiving my credit report I noticed things I did not do and places I have not lived. Unauthorized activity I would like them permanently deleted from my credit. There are wrong addresses of places I have not lived and different spellings of my name and accounts I did not create nor authorize. Wrong Addresses include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AL XXXX. Wrong XXXX of my name include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, balance {$560.00} XXXX XXXX which I have never rented a car. Car Loan Not by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Medical Bill Not by me : XXXX XXXX Physician XXXX, Balance {$280.00} XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following companies are reporting fraudulent inaccurate activity information on my credit report. I have requested that they provide the purchase agreement and any other relevant information to show full ownership of such accounts so that I may review to see if this is actually an account that belongs to me. 

XXXX XXXX XXXX I have no contract with this company, nor do I have a contract with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : 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 ADS/COMENITY/VICTORIA on XX/XX/XXXX under the account number XXXX, an auto loan account opened at BEST BUY/CBNA on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} 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: Checking or savings account

Hi. I have been making periodic cash deposits into my Chime account the last couple months, and upon logging in for the first time in a while, I noticed I only had {$1.00} left in my account despite depositing over {$2000.00}. I quickly realized after a quick look at my checking account with Chime, and someone had been taking out my money & spending it at a merchant titled Apple Balance Add. However, I do not have an XXXX XXXX to even add money to myself. I immediately filed a dispute on the transactions and reached out to XXXX XXXX  through email to get any documentation that would assist me. After adding this documentation, Chime still did not look at any of the documentation I provided, and went ahead & quickly closed my dispute without any explanation and ignored my documentation I uploaded to the dispute. Im now asking for the help of CFPB to assist me with getting back my rightfully earned funds that were taken from me. I will be opening a rebuttal for these transactions, but considering Chime completely ignored all of my documentation that provide context & confirmation that I did not authorize those transactions. Please help ASAP!!
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXXXXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX - XXXX - My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX - XXXX - My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX  - XXXX - My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE!
Product: Credit reporting or other personal consumer reports

My credit report is missing this account from each credit reporting bureau. I request that the account be reinserted immediately, Experian : XXXX XXXX XXXX XXXX. 
Open Date : XXXX. XXXX, XXXX Account # : XXXX Original Balance : XXXX Updated Balance : XXXX XXXX : XXXX XXXX XXXX XXXX. 
Open Date : XXXX. XXXX, XXXX Account # : XXXX Original Balance : XXXX  Updated Balance : XXXX XXXX  XXXX XXXX XXXX XXXX Account # XXXX Original Balance : XXXX Status : Paid/closed ( XX/XX/XXXX ) XXXX : XXXX XXXX XXXX XXXX. 
Open Date : XXXX. XXXX, XXXX Account # : XXXX Original Balance : XXXX Updated Balance : XXXX
Product: Debt collection

Debt collector online information services address XXXX XXXX XXXX XXXX XXXX  XXXX, NC zip code XXXX. phone number XXXX open account XX/XX/2018 amount {$1500.00} very aggressive over the phone rude threating
Product: Debt collection

Called before XXXX on XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). In addition, they are calling my cell phone using an auto dialer. In total, they have made XXXX auto dial calls.
Product: Vehicle loan or lease

I recently noticed this delinquent account. I assumed my insurance had paid everything after I totaled my car because I never received a bill or any accounting. I can not possibly owe this much! Also, you are describing this account type as a loan when in fact the alleged agreement is known by its governing laws as a credit sale. There is no loan agreement in place. No goods or money have been loaned. I'm pretty sure it is a violation of the FCRA to knowingly furnish or report false information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.