23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Hello, A subscriber of Experian, XXXX or XXXX XXXX, assumed my note management from XXXX XXXX Home Loans, and began the process of receiving and processing my monthly payments. In conversations and with staff at XXXX that have consistently reported my account in the default by a minimum of 30 days, though records reviewed by my broker and attorney note the account to be in current status. Similar actions in false and inaccurate reporting have been noted by the CFPB, as well as in litigation against the subscriber, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, et XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX v. XXXX XXXX. 

I ask Experian that the inaccurate information be removed as their subscriber has failed to respond. Thank you.
Product: Debt collection

I have disputed this multiple times for multiple items on my report incorrectly added. The creditor would delete the item then either months or in this case they have added it after almost 6 months to a year later but now stating its a brand new collection with a more recent date of last missed payment date. It seems when it reappears on my credit the date they pulace as when it was opened is the most convenient date closest to the time it is added. There is never any consistency with what they place on my reports for the same account. 
SOUTHWEST CREDIT XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still 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. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX, as reporting agencies, did not receive consent from me, as the individual to whom the record pertains, to disclose any record of my information. Per the privacy act of 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. An inquiry comes up on a credit report when there is a request to see your credit report from a company or person. This means that in order for a reporting agency to follow the privacy act of 1974 before disclosing my information to a person or company they should contact me and get authorization to do such actions. This was not done, but there are hard inquiries showing on my credit report none of which are linked to open accounts. Not only are they a violation of the privacy act of 1974 because my information was given to these companies without prior consent, but Unless you, as the reporting agency, can provide me with documentation proving these inquiries are linked to an open account on my credit report they need to be removed per 15 USC 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

My equifax login is broken and customer service has sent me reset links and etc that do nothing but lead to the following when logging in : Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My social security posted XX/XX/. Capital One has blocked access to my account claiming that I am a fraud risk.
Product: Checking or savings account

Navy Federal Credit Union allowed overdraft fees from my account numerous of times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX  XXXX {$4000.00} CHAPTER XXXX BANKRUPTCY FILED XXXX CHAPTER XXXX BANKRUPTCY FILED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX {$4000.00} XXXX XXXX {$590.00} XXXX XXXX {$500.00} XXXX  {$0.00} XXXX  XXXX  XXXX
Product: Credit card

I contacted Aspire about several fraudulent charges made with my card on the following dates and locations : XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX  XXXX XXXX KY {$99.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX KY {$60.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX TN {$200.00} I use my card usually on saved accounts where it does not have to be physically present.

I was assured by a representative with Aspire that they would resolve this issue and issue me a new card. I received the new card, I have made payments and returned the information Aspire had asked me for, which was a statement saying that I had not made the purchases, along with a photo ID, my Driver 's License was photocopied and sent to them. On XX/XX/XXXX I received a letter stating that my account was over the limit, no further explanation was offered. I investigated my account to find that they had recharged my account for these unauthorized purchases, going over my allotted line of credit, and now have suspended my account. 

I do not go to XXXX, was not in XXXX Kentucky, and do not shop at XXXX which is in my home town. Id love to see the video footage of me using this card to make those purchases because it simply did not happen.
Product: Credit card

Subject : Cease and Desist Request Regarding Capital One - False Late Payment Reporting To Whom It May Concern, I am writing to formally request the intervention of the CFPB regarding an issue with Capital One. The bank has falsely reported a late payment on my credit report, which has negatively affected my credit score and financial standing. 
I wish to bring to your attention that this action may violate 15 U.S. Code 1666b, which governs the timing of payments and the assessment of late fees for credit transactions. According to this statute, creditors must comply with the requirements regarding the posting and timing of payments to avoid the unlawful imposition of late fees. In my case, I have made all payments on time and in good faith, and the reporting of a late payment is erroneous and without basis. 
Despite my attempts to resolve this matter directly with Capital One, they have failed to correct the mistake. I respectfully request that the CFPB take immediate action to cease this false reporting by Capital One and require the removal of this incorrect late payment from my credit report. 
Thank you for your prompt attention to this matter. I trust the CFPB will help ensure that my rights under federal law are protected.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX BALANCED {$2300.00} XXXXXXXX XXXX XXXX XXXX BALANCED {$1000.00} XXXXXXXX XXXX XXXX BALANCED {$0.00} XXXXXXXX XXXX XXXX BALANCED {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent paperwork to update my credit report information to the correct and updated name, address, XXXX, date of birth, and phone number via XXXX XXXX mail on XX/XX/2021. I have still not received or see the updated information on my credit profile.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I do not owe the following collections and its been affecting my credit scorw XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violates 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 process was unfair and deceptive, as they did not comply with error resolution and requirements under the Electric Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I speak appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized and fraudulent inquires reporting on my credit report
Product: Credit card or prepaid card

I keep receiving phone calls from the number XXXX XXXX XXXX claiming it is from Chase. I XXXX the number and find that some posts said this is a fraud while some posts claimed that it is from Chase fraud department. I contacted Chase on XXXX and they confirmed that they did NOT contact me and that is a fraud. 

I contacted Chase credit card online and sending them the information above. In response, the customer support just sent me a cookie cutter response saying how I should handle a fraudulent phone call, rather than looking into my email and taking real actions to stop the phone number that I reported. These people are so organized that they set up fake posts on the internet to support it is legitimate and XXXX number that we can call back. I mentioned to the bank that this phone number was dated back many years ago and the bank should at least contact the phone company to block it. My second email received yet another useless response. After 2 more attempts, I realized that 1. Their customer support including their fraud department was poorly trained on how to handle security issues  2. They have no intention to take followup action on my reported incident. 
3. Their response is just cookie cutter response without really looking at the problem. 
4. They do not take any proactive actions even though these people started using the same number and pretend to be Chase since XXXX XXXX. 

I have also attached their last response from Chase in the attachment and indicated how improper about their response even after 3 attempts from me asking them for real actions. 

XXXX XXXX
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 XXXX hours stating the account is accurate with out providing any evidence of as through investigation. This practice violates the fair credit reporting act ( FCRA ), 15 u.s.c ,1681 I of disputes. Furthermore Equifax actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C, 5536 ( a ) ( 1 ) ( a ) - ( b ) as highlighted in the CFPBs recent administrative proceeding ( file no. XXXX ) 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

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 Account Number : XXXX Account Name : XXXX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account number : XXXX, has violated my rights. 


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 Delete the accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX said several times its impossible for pre paid phone to go into collections, I paid in full have recordings and app Im in great standing w XXXX and they said that these collections agencies are fake they looked up first one, not real and as to triple check things on my end they ran my Ss # to make sure no other things out standing w them
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan in XXXX with XXXX XXXX for a vehicle. The vehicle was charged off in XXXX of XXXX. Then, in XXXX and XXXX of XXXX, the bank, not myself, re-opened the credit line and reset the timeline for negative information on my credit report. I have filed several disputes trying to have this information corrected and it was denied every time ( it was stated that this was accurate ). I have done nothing to re-age the debt, I have made no partial or full payments on this debt, and was not current in XXXX at any point in time. The last payment was in XXXX, and XXXX XXXX illegally re-aged this debt.
Product: Mortgage

On XX/XX/XXXX, I called Chase Mortgage to ask them to not issue out my XXXX property taxes out of my escrow. Chase had on record on my online account portal that they were going to pay my county 's trustee office for my taxes in XXXX of XXXX. The trustee 's office of XXXX XXXX in Tennessee is who handles my property taxes. The reason I was requesting this is because I was going to pay my taxes myself, due to refinancing my mortgage with another company. Taking care of my taxes myself would have made the refinance process easier. The person at Chase that I talked to stated that they would request that the escrow payment be put on hold. However, later on I found out that the escrow payment for my taxes had already been sent via wire by Chase on XX/XX/XXXX. The representative at Chase did not inform me of this at all when I called on XX/XX/XXXX. If they had told me this when I called, I would not have issued out the payment myself. But instead, my taxes were double paid, because of Chase 's failure to inform me that they already had paid my taxes. 

I have been in limbo now since then with both Chase and my county trustee office, trying to find my {$1100.00} payment that was issued from Chase. As of today, XX/XX/XXXX, both Chase and the trustee 's office can not figure out where that double payment is. The trustee 's office says that they have received nothing from Chase at all, on my behalf. They only have the payment that I had made myself on XX/XX/XXXX, right after I called Chase to request that they not issue the payment out of my escrow. Chase is saying that they wired the money to the trustee 's office on XX/XX/XXXX, and it has already cleared on Chase 's end. So basically, both parties are pointing fingers at each other, and I am stuck in the middle with {$1100.00} missing. I'm leaning towards Chase being at fault here, because my county trustee 's office took the time to manually go through every single payment that they have received from Chase since XX/XX/XXXX, and they have zero record that anything came from Chase on my behalf. Chase is basically throwing their hands up in disbelief, and keep saying that they are looking into it. I've been dealing with this since late XXXX XXXX of XXXX.
Product: Debt collection

I requested an interest only period when my loan entered repayment in XXXX per Navient 's suggestion as I was unable to pay the full amount. They assured me it would take effect before my first payment was due. About a month later I inquired since my payment amount did not change and was informed I was not eligible for that. They suggested a forbearance, but told me not to request it until XXXX XXXX so it would cover the full 3 months. I have gotten harassing phone calls every day since that instruction several weeks ago. Every time, the agent read the notes on my account and told me they would hold further calls until XXXX XXXX when I could request the forbearance. Yet, I still get called evey day multiple times per day. They will not stop.despite advising me to wait until XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$14000.00}
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, Kentucky XXXX Date of Birth : XXXX Last 4 of SSN : XXXX XXXX Dispute of Unauthorized Credit Inquiries. 

To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request I request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation. 

The inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith.. 

Here I attach, along with the dispute, my fraud report that I just sent to EQUIFAX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. 

Best regards, XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX has had an outage preventing me from receiving my paycheck electronic deposit for well over two days now. This is outrageous incompetence. Contacting them is useless ; their customer service agents have nothing to say other than " they're working on it. '' This bad management does not meet modern banking standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act The following 5 Consumers Listed below Have Violated my Rights under the following laws listed below 15 U.S.C 1681 section 602 A. States I Have A 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 XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have been receiving calls from a collection agency while at work and they have kept me on the phone for long periods of time and demand that I pay them immediately. The agency has reported that they are charging me interest and increasing the amount they demand for. I received a call from them last year in XXXX and they were giving me false information and accusing me of not making payments which I had proof that I did from my bank statements. I am still receiving calls and they keep demanding higher and higher amounts every time they call.