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

I am writing to express my deep frustration regarding your company 's mishandling of my credit report dispute. Since I discovered discrepancies in XXXX of this year upon returning from XXXX, where I XXXX  my mother, I have taken every possible step to address this issue diligently. I initially submitted a dispute on XX/XX/XXXX, followed by additional supporting documents 15 days later after receiving notice that the original copies were of low quality. Despite complying promptly, I encountered complete silence on your part. Subsequently, I received a letter accusing me of employing a credit repair organization. To clarify, as I already stated in a follow-up letter, I personally sent all correspondence. Despite this clarification, I have yet to receive any resolution or meaningful response from your company. This ongoing neglect and mismanagement have caused me undue stress and raised serious concerns about your company 's commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and respond within 30 days. Your failure to do so violates these requirements. Additionally, the Massachusetts Consumer Protection Act, M.G.L. c. 93A, prohibits unfair and deceptive practices, which I believe your actionsor lack thereofconstitute. Your personnel 's inability to communicate effectively in clear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity.
Product: Credit card

XXXX branches in the XXXX were handed over to Citizens a couple years ago. 

Credit cards were replaced to reflect the change in banking institution and previously saved preferences were not carried over. I had no information on how things would be handled. 

As a result undue interests were charged. 

I already requested that a gesture be applied, but Citizens wouldn't hear my rationale. 

I also file a claim on here which was dismissed without favorable outcome. 

I keep reaching out to the Citizens consumer services, by email and by phone but it is IMPOSSIBLE to get ahold of them. Just as if they were on purpose ignoring attempts to discuss the issue. I need the total amount of interests charged. 

I really need help from the CFPB ). 

Thank you so much, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My credit report indicates a line of credit was opened by American Express on XX/XX/XXXX. There have been credits collected and paid from XX/XX/XXXX through XX/XX/XXXX, while I was making payments toward my debt out of a separate account. Once I instructed transfer of the credits to pay my debt, the transfers ceased to be completed. 
On XX/XX/XXXX I sent a certified letter requesting the confirmation statement for the security from my credit transaction. The registration statement should list the name of the registered owner. I suspect this is the person or company who has been receiving the benefits from my credit transaction. The registration of my financial asset to another would have been done without my knowledge or consent. I have not received the benefit of any credits from American Express since the account was opened, and I have been unable to confirm with American Express who they have been sending my credits to. 
On XX/XX/XXXX, I called customer service to try and file a complaint. My request was denied.
Product: Mortgage

Wells Fargo paid an insurance premium without my approval. I asked them if they had a document that shows my approval and they could not provide it. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that Equifax 's algorithm needs to be audited as they have adversely lowered my credit score without any explanation other than that I can not despite my credit score. I have paid all my creditors on time and my credit score is in the mid 650 with the other beaures With the security breach that occurred I believe that they are targeting me for no reason. Please do something about this ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from " GM Financial '' XX/XX/XXXX, The call entailed a man requesting a payment from me for a closed, pre-paid truck lease and in receipt of payment he would not damage my credit. 
This prepaid lease was a 24 month lease that ended XX/XX/XXXX and I do have a receipt from dealer and gm financial of return of vehicle. 

He was willing to accept less if I paid 'NOW '' I then informed him that my contract was satisfied 6 months prior to his call and that no payment was due or owing. I just received informationXX/XX/XXXX, that my credit reports were updated to reflect missed payment? ( thats an impossibility ) This is my second compliant to the BBB about this company in less then a year now on two major issues. 

Desired Resolution : Correction to a credit report The Credit bureau reports that the last information added to gm financial was XX/XX/XXXX and sense that date someone added " missed payment 30-59 '' which just appeared on my report XX/XX/XXXX? How is that even possible?
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Agencies have stated that a verbal permission to access a credit report is allowed for a company. May I have the section in the FCRA that allows verbal permission for a company, not a person, to access consumers private credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts and inquiries appearing on credit report. 

XXXX. XXXX XXXX XXXX XXXX {$340.00} XXXX. XXXX XXXX XXXX {$360.00} XXXX. XXXX XXXX {$450.00} XXXX. XXXX XXXX {$340.00} Inquiries XXXX. XXXX XXXX, XXXX. XXXX XXXX, XXXX. XXXX XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or around XXXX XX/XX/year>, I fell victim to a multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date XXXX : XX/XX/XXXX XXXX XXXX  XXXX, FL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, NJ XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion had a computer glitch and inquiries were added on to my report. Transunion added the inquiries without sending me a written notice 5 days prior to re add them. I contacted Transunion in good faith to ask them to remove the inquiries that they illegally re-added. I took notes of everything that was said.I explained that the inquiries added a hardship and my rights have been violated. CFPB please help and stop letting Transunion from victimizing me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have XXXX XXXX to be on my credit report XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Harvest Associates INC. has reported an alleged debt of {$950.00} to the credit bureaus but never sent me anything validating the suspected debt or any form of verification in the mail. I sent them a request which was delivered and signed for on XX/XX/2023, at XXXX XXXX  via certified mail with a return receipt ( attached ) asking for validation but Harvest Associates INC failed to respond within the 30-day timeframe allotted to them. I sent out a second notice on XX/XX/2023 which is currently in transit via USPS-certified mail ( attached ) notifying them of their failure to validate and verify the alleged debt being claimed against me. Pursuant to FDCPA SECTION 809 ( a ) Validation of debts ( 15 USC 1692 G ) they must validate the alleged debt if requested. They have failed to respond to my request to validate and/or verify the alleged debt within 30 days. They also failed at notifying me before claiming it on my credit report. Due to their failure to respond and unfair practices, I am expecting immediate removal of the alleged debt from all credit reporting agencies, ( XXXX, XXXX, XXXX ) and that the alleged debt in its entirety along with any assumed fees is promptly deleted from their files and all public files due to their failure to validate it within 30 days of my request. I consider this matter closed and the alleged debt to be void. Please Note : This information does not mean I agree to the alleged debt being claimed against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax modified information on my credit report while supposedly processing a dispute. The dispute in question was started on XX/XX/2022 and documentation was provided with the dispute. While waiting for the dispute to complete the information was corrected and updated by the bank. On XX/XX/2022 the account showed XXXX late payment, exceptional payment history, and a XXXX balance. After Equifax completed their dispute on XX/XX/2022, my account now shows two late payments and a balance of {$230.00} which is incorrect. I have faxed a copy of my credit report from XX/XX/2022 proving that the bank reported correctly. I also submitted a credit card statement showing that my account balance is XXXX along with a letter from the CEO proving that there should be no late payments reflected on the account. I spoke with numerous agents who all basically called me a liar and told me that I was crazy because the bank has not reported since XXXX which is false. All I was looking for was for them to own up to their mistake and fix it. The only resolution they provided was for me to submit a dispute and wait 30 days. I tried cancelling the dispute but they would not allow it. I assumed that once they saw the account had already been updated to show the correct information they would see there was nothing to be done but instead they modified my account information and basically refused to do anything to fix it. Had they taken the time to review the document from the CEO that I emailed them and looked a copy of my current credit report and done their jobs correctly my score wouldn't have dropped XXXX points for no reason.
Product: Debt collection

Capital one told me I was being recorded for security purposes on the phone call, so I felt they were being honest with me. I called to let them know I can not pay them more than XXXX XXXX dollars a month on my bill and I was told by the young lady on the phone they have a great program that will allow me to pay off my card without the interest still accumulating more. I said ok sing me up. She began to tell about it and how they will freeze the account but I can not miss a payment. I said ok let 's do it. At no time during this phone call was I ever told they would take anything from me for accepting this program. A month later I go to use the mile points in which I have earned over the years of using the card for a flight for my wife and it would not work. I called and they said, we took those points when you signed up for this program. There is no way on GODS green Earth would I EVER forfeit XXXX XXXX points just to freeze any type of interest for a credit card. If I was given this information during the sign up I would have told them NO!! Then to add salt to my wound they told me they sent me a letter saying they took the miles points from me. That's a lie and I will take a polygraph to prove it. They should not be allowed to do this to anyone ever. They did not give me all the perennate information needed to make a sound decision. They should not be allowed to take points already earned from the past bills being paid off and then take them without permission and without cause for their mistake of not making a customer fully aware of their intent, policy and or rules for signing up for any type of program through their company. Plus they should be required to obtain a signature on every agreement that will make a change in one 's contract or any new deal being made for a new contract on a bill or credit card bill change and this is a life-changing decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account is fraud and please remove and block, I contacted XXXX XXXX serval months back and told them there was a account that was opened under my name that was fraud.
Product: Debt collection

I received a call on XX/XX/year> from Atlantic Recovery Solutions, I later returned the missed call at XXXX XXXX, in which I verbally stated and spoke clearly that, " This is a cease and desist and that all communication be done by USPS mail. The lady wanted to argue and say she can email me if she wants its legal and acceptable. Not without me permission and I gave her instructions. On XX/XX/year> at XXXX XXXX, from XXXX XXXX, I received an email, in which she was directly given a cease and desist. Atlantic Recovery is in violation of my consumer rights, and I will be filling suit against this company.
Product: Debt collection

On or about XX/XX/XXXX, I received a letter from a collection agency regarding an alleged debt that I owe to XXXX XXXX XXXX   XXXX, the creditor. I have repeatedly requested by phone that they provide me an itemized bill for the services rendered, and each time I spoke with them, they agreed to send it to me, but up to date, I have not received anything. The latest letter I received dated XX/XX/XXXX, they are threatening to report the unpaid balance to one or more of the national credit bureaus, even though I still have not received the itemized bill. I have spoken to one of their reps that go by the name " XXXX  '' who coerced me into admitting that I owe some of the debt, and then insisted that I pay what I believe I owe, even though I told him over the phone that I am disputing the amount they are seeking. I also had my insurance company call the doctor 's office requesting the itemized bill, and they refused to give it to us, and then proceeded to hang up the phone on the insurance representative. I am now forced to have to pay a bill that I am disputing because I do not want it to damage my credit.
Product: Money transfer, virtual currency, or money service

Thank you to whomever reads this, I paid {$83.00} USD to a " company '', that soon, to be revealed fraud. I never received my goods, I thought was going to and was expecting it but didn't. So naturally as anyone would, I disputed it on PayPal. Seeing as I had gotten no response from the seller and have not received my goods. What PayPal said? They said that my case is illegible for their review. Because Ive filed too many disputes apparently, which only were from the same person that scammed me. They sided with the scammer, and the scammer kept their stolen money. I dont see how this classifies as okay without any further inspection. I have filed a case with the XXXX and will close it once I receive my money back. I might do higher legality measures and taking it to court if needed. Thank you. If you care about your long term customers you wouldnt let such a mistake slip by. The transaction ID is XXXX. My PayPal email is XXXX XXXX
Product: Credit card

For the past week Ive had issues with Capital One ( Credit card side of the company ) to verify my identity with and provided the documents and well regardless of what I try to provide them they keep denying the third document they want to verify to unrestrict my account with them well their customer Services representative are very unprofessional and have had very poor customer service skills and I dont appreciate it and need to do better at their jobs of trying to add other ways to verify someones identity and reconsider of who they hire as an agent through their company dont appreciate the disrespect and the foul language Ive received within thru their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX  claims they cant verify information.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

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

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXX XXXX  XXXX - XXXX {$370.00} XXXX XXXX XXXX BANK XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX - XXXX {$2100.00} XXXX XXXX XXXXXXXX {$3400.00} Accounts : XXXX XXXX XXXXXXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX {$540.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I took out student loans starting in XXXX, I finished school in XXXX, I was not able to find a decent job, and the calls and letters started coming. They offered me the economic deferral, which I thought was a solution to my current situation. I now owe approximately XXXX in loans, I am XXXX years old, I am currently working as a temporary employee making {$XXXX} an hour. If I could go back I would not have taken out these loans. At the time I was under the impression I would get a good job and be able to pay them later in life. I borrowed like XXXX, that I may never be able to repay, the interest brings it up to near XXXX. I will always be in debt. I even tried getting state and government jobs, because I heard I would n't have to pay them back, but I have had no luck there. I ca n't answer my phone, I feel like I am always hiding from the collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to receive credit monitoring from all three credit bureaus. I am not able to view my credit scores on any of the three credit bureaus. I often have inquiries that I did not submit. I have had my identity stolen twice in the past five years. I have been denied funding many times because of a reported bankruptcy by a third party credit buraus. I would like to opt out from the third party reporting and any other illegal reporting of my personal financial information.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery 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 that I have marked as inaccurate. 

XXXX XXXX XXXX, account number : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : I also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.