23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My global auto loan was behind and was caught up and my truck got repoded exactly one week later. It was an illegal repo and has been a negative mark on my credit. XXXX XXXX credit card was fully paid with my security deposit and charged off. It needs to be removed off my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Equifax on XX/XX/2018 To Equifax to send me verification ( contracts and etc. ) from the following accounts, The first time I sent a request they asked me to send a photocopy of my ID, so I did ask asked this time. Then I received a really weird email asking me to opt-in online to receive results. I didn't give out my email to them on the letter I sent. So I'm confused on their process I asked to receive my information by mail. XXXX obviously read my letter and carefully to my concerns into consideration, because I received a letter back from them with items that were removed and information that they were unable to retrieve. 
Collections : XXXX Hard Inquiries -XXXX -XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX -XXXX -XXXX XXXX -XXXX XXXX XXXX -XXXX -XXXX -XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX -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 card

I got married and am trying to apply for a mortgage. In order to apply for a mortgage, I have to change all my prior lines of credit to my new name, otherwise, for some reason, my history doesn't show on my SSN because my name doesn't match. I am almost through with all my lines of credit except for XXXX - Wells Fargo Credit Card. This is XXXX I NEED to have my name changed because it is my longest line of credit I have held with the largest line of credit for a card. 

I have called on SEVERAL occasions and have explained my situation- I opened the card at a local branch back in XXXX XXXX I now reside part time in XXXX XXXX and in XXXX. There are NO bank branches near me no matter where I go. They have stated I MUST come into a branch. All my other cards have requested my marriage license by email, or have simply changed my name over the phone. I haven't had any issues. I have even changed my student loan information without hassle. I can not make a trip somewhere to a branch, especially when this is only about a credit card- which does not require a local branch to operate. 

I understand this is a very specific situation. If it is a matter of security, I am even willing to go to another one of my bank branches ( XXXX  ) to have them communicate with Wells Fargo and they aren't okay with that either. 

I will be back in the XXXX in XXXX and can get this somewhat handled, but there isn't a Wells Fargo within XXXX hours of me.
Product: Credit reporting

I sent Trans Union a final dispute and verification request after they verified a item on my report. I quoted some a few FCRA laws that support my dispute to no avail. I need assistance on getting the proper results which will in turn not harm my personal image any longer.
Product: Credit card or prepaid card

I opened a new credit card with American Express. American Express did not email me when the payment was due on XX/XX/XXXX but I noticed myself on XX/XX/XXXX and immediately paid off the entire statement balance. I also enrolled in autopay. Several days later I was charged an entire month 's interest on not only the statement amount due, but the amount due for the following month. When chatting with an American Express representative, I was told I would be charged an entire month 's interest for both months despite only being XXXX day late on the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I mailed a letter to TransUnion regarding the accounts listed below XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX  XXXX Unverified Account On XX/XX/2020, I mailed a letter to TransUnion removing the incorrect personal information on my credit report. This information included old addresses, phone numbers and place of employment. I have not received a response regarding this request to this date and the information still remains. 

On XX/XX/2020 I received a response from TransUnion removing 2 of the accounts above ( XXXX and XXXX XXXX XXXX XXXX ). The other accounts listed on the letter from TransUnion indicated the accounts were accurate and verified. 

I responded to TransUnion on XX/XX/2020, on the accounts they listed as verified and accurate. In my correspondence, I asked TransUnion to provide me copies of original documentation depicting my signature. Furthermore, in my mailed letter, I asked TransUnion to verify the account listed below. 
XXXX  XXXX Unverified Account XXXX  XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX Unverified Account XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX  XXXX Unverified Account As of XX/XX/2020, I have not received any correspondence from TransUnion by mail. I am aware that we are in an pandemic and extra days have been given to the bureaus additional time to respond. However, they have exceeded 45 days and more.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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/year>
Product: Mortgage

Dear CFPB Staff, I am in the process of purchasing a home with PNC Bank Mortgage Division. Based on the recommendation of my real estate agent, I had notified the PNC bank on XXXX XXXX, 2016 to go ahead and order an appraisal and I signed all my mortgage paperwork on XXXX XXXX. My contract was ratified on XXXX XXXX and the appraisal contingency was due at XXXX on XXXX XXXX. Despite my reminders to the PNC loan officer about the appraisal due date multiple times, I did not receive the appraisal report until XXXX XXXX on XXXX XXXX. I went over the appraisal report the first chance I got and had noticed some gross mistakes, including " full size washer and dryer in bedroom closet, '' and " whirlpool tub '' which neither exists. I sent the loan officer an email with full description of the mistakes among others at XXXX. Almost a week later now on XXXX XXXX at XXXX, I still have not received a correct appraisal report. The loan officer was trying to argue that the appraisal report WAS sent before the deadline -- -but with multiple mistakes that could indeed impact the appraised value?? PNC bank while having had my ratified contract around XXXX XXXX still missed the appraisal contingency which resulted me not being able to negotiate to the potentially lower appraised value. I have contacted the PNC customer service who was supposed to connect me with the supervisor of the branch manager as the brank manager ( XXXX ) has been out of town all week, but the supervisor, XXXX XXXX XXXX refused to speak to me and ended up sending someone from the Branch who sounds very young and completely inexperienced on management skills. XXXX XXXX XXXX did not introduce himself when he came on the line for who knows how long after I had waited for several minutes. He basically had nothing to add but just told me to keep waiting. I am curious in this case, what rights do I have as a consumer and what recourse do I have that a bank such as PNC which failed to meet the appraisal contingency and pretended that the grossly inaccurate report was their extent of obligation to fulfill the appraisal contingency? I am XXXX for 4 years and just returned to the XXXX area and a bit puzzled about the mortgage business practice. Sincerely appreciate CFPB 's help.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against 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 evide

nce of a th orough 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.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I, the consumer and natural person, entered in a consumer credit transaction with Capital One Bank. 15 USC 1692e refers to false or misleading representations. Capital One Bank has used false representation of a. the character, amount, or legal status of any debt, and b. any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. Also, the debt being in the positive balance is false representation of the amount of the debt. If it is a debt ad it its owed, it should be shown in the negative.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking.

Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation to the consumer.

The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year XXXX XXXX XXXX NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXX NDAA XXXX Section 605C is effective 30 days after the Bureau issues its final implementing regulations. 
BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No. CFPBXXXX ] XXXX  XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the 3 major credit bureaus and stated this : In XX/XX/2015, I was at a party and my purse was stolen that had all of my personal sensitive information such as my ID and social which were stolen. I didn't think someone would actually steal my identity but I've recently check my credit report and saw accounts open and hard inquiries that I did not open and don't belong to me. I have listed them above but here is another one that I was unable to add : XXXX : XXXX XXXX XXXX, Acct : XXXX, Opened : XXXX, Balance : {$470.00}. Inquiries : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$3200.00}
Product: Bank account or service

I opened a checking account and later i realized that they ran a credit check without my knowledge or permission
Product: Debt collection

I have returned the equipment to XXXX and the balance is at XXXX. I have called the collection agency who confirms there is no monies owed, however they are still reporting on all three credit bureaus that I owe XXXX. I have requested they remove it from my credit report, but they have failed to do so.
Product: Debt collection

This collection company, Health Care Receivables group, have been attempting to collect a debt in the amount of {$3100.00} which has also been placed on my credit report. I do not have a contract with this company nor have I received any services from this company for the company to allege that I owe them this debt. I have requested validation of this debt, however this company have failed to provide proof of services they have rendered to me. I have tried to resolve this issue before and requested to have this debt removed from any and all credit reporting companies, however, the company responded with incorrect information. The company responded with inaccurate information which in addition, is also why the debt need to be removed from my credit report. The company responded that I had only made 3 payments to account, this information is incorrect, ive made payments from XX/XX/XXXX up until XX/XX/XXXX which is when the collection took place which account should have never been a collection. Next incorrect information is the balance of the debt. The high balance shows {$3300.00} and another {$3200.00}. The debt can not have 2 different balances.
Product: Mortgage

I submitted a complaint number XXXX I'm adding important document that is imperative to this complaint also when I spoke to them and made my last recent payment they said I was 11 payments behind ( not correct I'm up to date ) and I received a tax bill from treasurer office that my property tax is not paid which shell point is supposed to make the payment
Product: Credit card or prepaid card

I am age XXXX and have spent XXXX days trying to call and email paypal in reference to the attached charges Please note that paypal is charging me and blaming my bank for " declined direct debit payments '' during a specific time period last summer. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- according to XXXX Bank -- this is 100 % FRAUD and never happened -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The bank is instructing me to ask for documentation in reference to all the transactions and the reason paypal states that the bank rejected the payment. The bank states they never did anything like that. 

It cant be legal for paypal to charge me and blame the bank with out any further explanation -- -numerous attempts to contact paypal have not had any results. I have been promised email documentation I never received I can not get through to anyone intelligent who will address this.
Product: Checking or savings account

I/my business, XXXX XXXXXXXX XXXX XXXX XXXX XXXX was robbed in a postal theft on XX/XX/XXXX. I reported the theft and check-washing and rewriting to Chase Bank on XX/XX/XXXX. My Chase account was closed and a new account was opened. The stolen check had been rewritten for {$9500.00} and improperly negotiated at the XXXX XXXX  XXXX, the banker of XXXX XXXX. 
I was told that it would take 7-10 days to sort out my account and retrieve my funds. The timeline has grown exponentially to 120 days or more to settle my claim. I have been to, and written to, and faxed, and called Chase Bank at least 20 times trying to expedite my retrieval of funds. visits : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Calls and letters to the Executive Office. Calls to the Claims/Fraud Dept. The Executive Office did respond with a letter to me on XX/XX/XXXX, outlining the timeline of my case and stating that they are waiting for XXXX XXXX XXXX 
Chase has repeatedly asked for my declarations to be resubmitted. Now, I am told that my claim is in the hands of XXXX XXXX XXXXXXXX. I am 10 days away from the date that Chase says constitutes 120 since my paperwork was " in. '' How do I know XXXX XXXX XXXX has my claim? How do I know I will be fairly settled? Should I wait 120 days? What if my claim is not at XXXX XXXX XXXX? 

I also repeatedly requested XXXX XXXX XXXX XXXX XXXX  or XXXX XXXX XXXX XXXX from Chase Bank in order to stay solvent with the loss of {$9600.00}. The answer was always " No. '' Why? 
Shame on them!
Product: Mortgage

I contacted M & T Bank in XXXX and again earlier this week. In XXXX, I requested available options to lower my monthly payment to avoid delinquency. The representative I spoke with was so dry, unprofessional, and non-empathic that I disconnected the call. It was clear that she was not interested in helping me. In late XXXX, the company I had just began employment with in XXXX began layoffs. I have now been unemployed since XX/XX/XXXX and recently declared bankruptcy. I contacted M & T Bank this week after receipt of a letter offering options to modify my original note and reduce my monthly mortgage payment through on of their loss mitigation programs. Again, I got a representative that was not at all interested in helping me. I explained to him that I was unemployed and his only response is that he couldn't help me, no other alternative options were provided. Today I received a letter from them again. This time, the options are listed as : repayment plan, unemployment/special forbearance, loan modification, short sale, and deed in lieu of foreclosure. Why hasn't any of these options or alterntatives been offered to me by the two preceding representatives? It is customary in service to exhaust all options available to best help the consumer. M & T Bank has done nothing to try and help me. Considering I am now unemployed, the male representative I spoke with this week could have offered the unemployment/special forbearance. Additionally, they do not explain the options to you or take time to work with you on best fit. I want to keep my home, but a little assistance in trying to do so would be greatly appreciated.
Product: Checking or savings account

I submitted a claim for {$2700.00} for a transaction where I didn't receive what was ordered.I was issued a temporary credit for the claim. I sent the paper work back and my claims rep closed my claim stating it was submitted under the wrong reasoning. I called and spoke to my claims rep and clarified that I didn't pick the reason, that I just explained the situation to customer service and they picked the reason. The claims rep advised that she would reopen my claim and reissue the temporary credit but she needed to wait because she had already submitted for the temporary credit to be reversed. Weeks pass and nothing happens. I called in and submitted a call back request. Nothing happened, so I called in again and another call back request was submitted. Finally, I got a call back saying the rep left and could not be located, my claim was being reopened and the temporary credit reapplied. The rep only applied part of my claim which was {$2500.00}. I called in to talk to another rep and advised that the {$200.00} was forgotten and she said I'll just add it to your claim. I received notification that the {$2500.00} was approved and closed out. Weeks passed nothing happened with the {$200.00}, so I called in because I went to pay my mortgage and I noticed that my checking account was closed for being negative the {$200.00}. I called in and submitted an escalation, and someone started calling me stating they need more information. For 3 weeks, I played phone tag with the rep calling me, until I asked for a manager to call me. I received a call from XXXX who leaves me a voicemail message. I called him back and he tells me that they don't actually need anymore information that it was already in my account. I ask if my checking account will be reopened and he says he doesn't know that when they issue the {$200.00} that it may force the account open or they will issue a check. Today I received a check for {$18.00} cents, nobody has apologized, I have not received confirmation that the negative checking account was resolved and that I am not on check systems nothing. I am just really upset with how my account was handled and how nothing was done, to rectify their error and now I am with out the checking account I use to pay my mortgage payments.
Product: Debt collection

Account name : JEFFERSON CAPITAL SYST ( Original XXXX  ) Account 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 consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is furnishing inaccurate and incorrect information to the Consumer Reporting Agencies. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses. 

You and your inaccurate reporting has damaged my livelihood.
Product: Credit card

Over XXXX dollars was stolen and chime wont refund my money