23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for and was approved for a hardship program with CHASE Mortgage. The program included a 3-month trial period schedule for XXXX through XXXX of XXXX, all payments were paid timely in accordance with the modification contract satisfactorily. Recently, after requesting a copy of my consumer credit report, Chase has attached special comments, " Loan modified under a federal government plan. '' XXXX XXXX XXXX ] XXXX XXXX XX/XX/XXXX ]. I called Chase Mortgage Modification division on XX/XX/XXXX and spoke to XXXX in the research department, she confirmed the comments are valid and has no date stamp and will continue to report until the loan the same : unless : 1. current loan paid in full 2XXXX balloon payment in full The problem is I completed the trial period and all payments sucessfully by XX/XX/XXXX as contained in the agreement and seven years later it remains a permanent part of my consumer report. These comments are hurting my ability to obtain credit and requires removal. Recently, two disputes has been filed with XXXX and results in continued incorrect information.
Product: Student loan

I have to repeatedly contact Nelnet via complaints on the XXXX XXXX XXXX  because they do not respond to anything else, their customer service is so poor. I have been asking for an income based repayment plan that matches the federal statues since the pandemic began, which has been a STRUGGLE. Additionally, I had to leave my home quickly to XXXX XXXX from my neighbors, who are XXXX XXXX and I wrote Nelnet asking them to send my documentation to an alternative address and I stated that I have not received anything they claim to have sent. Instead of acknowledging this and making the change, Nelnet sent me a non-response, response ( which is typical for them ). Refused to make the change of address and I STILL do not have any of the documentation that was requested in the first place. I am filing this complaint to get my address changed as requested and new copies of the IBR and documentation requested. It is IMPERATIVE for safety reasons that no further documentation be sent to the previous address on file from Nelnet.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for failing to properly investigate disputes regarding inaccuracies on my credit report. Despite submitting multiple disputes, Equifax continues to respond within XXXX hours, asserting that the information on my report is accurate without providing any evidence that a thorough investigation was conducted.

This conduct is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires a reasonable investigation of disputes. Equifax has failed to adhere to this legal standard by providing minimal responses that do not substantiate the accuracy of the reported information.In addition to the FCRA violation, I believe Equifaxs actions also contravene the Consumer Financial Protection Act ( CFPA ), under 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). The recent CFPB administrative proceeding ( File No. 2025-CFPB-0002 ) against Equifax for similar issues further supports my concern that Equifax is engaging in a pattern of behavior that undermines consumer rights.I respectfully request that the CFPB take appropriate action to ensure that Equifax complies with the requirements of the FCRA and CFPA. Specifically, I ask that they provide evidence of proper investigations for all disputed information, as required by law. These are the accounts marked as inaccurate XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

We have a letter from Springleaf Financial showing that they reported our account incorrectly to the credit bureaus. WE were in a bankruptcy and in the process of having it dismissed when Springleaf started reporting our loan as delinquent even though we could not communicate with them. When we got out of the bankruptcy, we went into negotiations with them to pay them back. We paid them back when we sold our house in full. They incorrect reporting has continued to hurt us to purchase a home.
Product: Debt collection

I tried repeatedly to consult them for proof of Debt but they never send me an E-Mail or letter stating amount owed. 

I've spoken to them multiple times. 

I will not pay something without proof of records. 

I have been requesting for proof of Debt for the past year now.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i )
( 3 ). They must be deleted from my report.
Product: Credit card

{$32.00} was debited by Goldman Sachs on XX/XX/year> on a XXXX balance Apple Card. I inquired about it via chat and was told it was due to charging me for rewards related to a ~ {$3200.00} credit I received for a return. The person I chatted credited the {$32.00} on XX/XX/year>. 

I was then debited again by Goldman Sachs for {$65.00} on XX/XX/year> ( double the amount of the amount billed on XX/XX/year> ). 

I emailed Goldman Sachs on XX/XX/year> to find out what this was for and received an automated confirmation of the request but no response addressing issue. I engaged Goldman Sachs via chat between XX/XX/year> - XX/XX/year> ( don't remember the exact date ) and was advised a supervisor would call be back. Received a call back voice mail message on XXXX/XXXX/204. I called back between XX/XX/year> - XX/XX/year> ( don't remember the exact date ) and got transferred multiple times, eventually spoke to a supervisor who said the {$32.00} credited on XX/XX/year>, should not have been done and was not willing to credit or own up to double debiting me on a XXXX balance. 

This debiting, crediting, then double debiting of a XXXX balance card for rewards is convoluted and not transparent. I notified Goldman Sachs via email, chat and telephone that I will report this lack of rewards debiting transparency to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several correspondences to XXXX XXXX about an open end consumer plan asking for an XXXX XXXX of this consumer credit transaction on XX/XX/2021 so that I could dispute the validity of this debt. This transaction is hindering my credit report so I am hoping to check for any billing errors and to see if I was properly disclosed about the use of my credit both pursuant to 15 USC 1601 Truth In Lending Act.
Product: Money transfer, virtual currency, or money service

google promised refunds of over {$140.00} for fraudulent charges on my account, then they continue lying and eating around the bush instead of just honoring the promises already made also breach of contract and theft
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX have a Account on my credit report Account Number XXXX Date Opened XXXX/XXXX/XXXX
Product: Checking or savings account

Funds were given as cash back at XXXX. I sent XXXX letters from my coworkers stating my whereabouts at the time of these charges. I explained a card skimmer was found at XXXX gas stations were I visit frequently and even verified my job was XXXX hours from where the card was used. The XXXX Bank card does not have a security chip and is very easy to duplicate
Product: Credit reporting, credit repair services, or other personal consumer reports

I had no credit history as of last XX/XX/XXXX but worked with a local XXXX XXXX XXXX to build my credit scores in order to purchase my first home in 30 years. I got my XXXX score to XXXX in XX/XX/XXXX and moved forward with a lender to purchase my first home. Now my XXXX score is XXXX also, but Equifax will not cooperate. They don't show that I have any tradelines even though I have had two since XX/XX/XXXX and 4 since XX/XX/XXXX. I have spent countless hours with my lender and other professionals in the financial community to figure out why Equifax will not record a score and they have spent hours trying to help me. I have called them at least 6 or 7 times and no help. They sent me a form letter saying " the identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. I faxed and mailed all they asked for and more and they mailed me a similar form letter. Again, I sent them all the info they were asking including both previous and current Drivers License ( previous and new name ), both Social Security Cards ( with current and previous names ), Court Document showing my name change signed by a judge, electric bill ( XXXX XXXX ), photo copies of my credit cards, and payoff statements for all my loans. These I sent two and three times ( the first time I didnt include my name change ). I have now received 5 similar or duplicate form letters every time I have tried to get answers. I dont know what else to do neither do the professionals who are helping me. Equifaxs lack of professionalism is holding me hostage from owning the home I have worked hard to get. They are the only barrier and they will not cooperate.
Product: Checking or savings account

There was money stolen off my account on XX/XX/2022. Whoever tried to take the money attempted to take over XXXXXXXX XXXX more than what was in my account but, they ended up taking XXXXXXXX XXXX from me. My card was never stolen or used by any other person so, I contacted Current the same day that this happened on XX/XX/XXXX and I was told to try to get in contact with the merchant but there was no way to contact the company that the money had went to. After realizing this, I contacted Current again and they told me I could file a dispute when the charges settled so I did. I filed a dispute on XX/XX/XXXX and received an email saying that they would give me updates about the dispute as they did the investigation. I never received any updates about the dispute and on XX/XX/XXXX I received an email saying that the dispute was complete and there was no error so I could not get the money back that was taken from me. After seeing this, I sent an email to the dispute team at current asking for the full investigation report. I was told I would be contacted within 24-48 hours after sending them an email asking for the report and I was never contacted within that time frame. I contacted Current again asking for the full investigation report after I received no response in 48 hours and I was told the same thing that I would be contacted within 24-48 hours. ( Every time I talked to them was over text chat so I was never able to talk to them on the phone because they said there line was not working at the moment ) I still received no response within 48 hours so I contacted them again asking for the full investigation report and I was again, told I would receive a response within 48 hours which again, I never got. So after I got in contact the 3rd time with Current over a text chat asking for the full investigation report, I was told that the least information they can give me for the investigation is what they sent in the first email saying that there was no error even though I received an email saying I can get the full investigation report. After showing Current this email while chatting with them, they said I would be contacted again within 48 hours. They finally contacted me XX/XX/XXXX saying that because there was funds that came into my account the day before, they believe I anticipated the transaction and that there was no 3rd party access but, I was not told how they know there was no 3rd party access and they claim to do thorough investigations and that the decision is final. I never made the transactions though and I never talked to anyone on the phone throughout this whole process and was never updated about the details of my dispute. It seems they based their investigations from the money that came into my account the day before, and they do not perform thorough investigations or want to help their customers.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have provided Experian all the information needed to be blocked on my credit report and have failed to do so. See attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to locate the information of the bank and can't find the exact phone number. I need to report all credit bureaus because I am unable to verify all the information in proving my identity... I did file an identity theft police report
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp 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 requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

i listing XXXX inquiries fraudulent from my Transunion Credit Report. XXXX XXXX XX/XX/XXXX. XXXX  XXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX. I filed a compliant with XXXX XXXX on XXXX, and they responded be XXXX case number XXXX stating that it was going to be remove off my credit however, in the context it stated my sister name which is XXXX XXXX XXXX. this have been a lot of confusion on my credit due to creditors are getting us mixed up with name, and social security number. I never had an account with XXXX XXXX. Social Security number is XXXX. I am requesting that this information be correctly, and remove off my credit report as XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX XXXX. I received a letter at my address addressed to 'Reuben XXXX XXXX demanding payment on an old debt to XXXX XXXX XXXX XXXX XXXX After contacting ERC ( Enhanced Recovery Comapny LLC ) to figure out what was going on ( I keep good records and have spotless credit and it wasn't addressed to my exact name so I wasn't particularly concerned for myself... ) They were unable to explain to me how their skip tracing protocol ended up with my address. In trying to confirm my identity ( rather, in trying to get me to confirm XXXX XXXX XXXX identity ) they asked me about a XXXX address which I never had ( though I have lived in New York on and off for more than a decade ). While they marked the account as an incorrect address, my concern is this, from what I'm able to piece together, it seems that ERC is sending collection letters on this particular debt to anyone who lived in the New York area and has a name remotely resembling the name on the account they're trying to collect on which, if true is blatant phishing, it certainly doesn't seem legal and it is most definitely unethical. This is made more concerning by the tone of the correspondence : " ERC has been authorized to report your delinquent account to the national credi bureaus... '' and " Unless you dispute the validity of the debt, or any portion thereof, within thirty ( 30 ) days after receipt of the notice the debt will be assumed to be valid by us. '' coupled with the 'easy payment options ( XXXX XXXX XXXX XXXX or Credit Card ) and the relatively small amount of the debt in question ( {$370.00} ). At the very least, indiscriminately sending out collection letters to people will cause a great deal of stress, at the worst, it will lead to scared people paying debts they don't owe ( because of the relatively small amount and the urgency of the correspondence ). Had ERC been able to explain any other points of similarity between XXXX XXXX and myself other than our names and our having lived at some point in New York XXXX, I would chalk it up to a strange mistake, but as far as I can tell, there is literally nothing else in common between us, and there are a great number of people in the New York XXXX area with names similar to 'XXXX XXXX XXXX as neither name is uncommon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax to get there assessments in verifying items listed below. That are on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, they stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 )
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U.S.C. & 1681c-2 ) that you the Equifax credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XX/XX/XXXXXXXX on XX/XX/XXXX for {$410.00}, XXXX XXXXXX/XX/XXXXXX/XX/XXXX opened on XX/XX/XXXX for {$760.00}, XXXX XXXX opened on XX/XX/XXXX for {$290.00}, XXXX opened on XX/XX/XXXX. Another loan opened at XXXX XXXX on XX/XX/XXXX. Another loan opened at XXXX on XX/XX/XXXX. These accounts have resulted in several hard inquires and fraudulent collections appear on my consumer report. Hard inquires : XX/XX/XXXXXXXX XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

A company named XXXX XXXX pulled a hard credit report without my authorization on XX/XX/2023, this is affecting my credit score
Product: Debt collection

On XX/XX/XXXX an account was opened for an debt that is and was owed by me in the amount of {$120.00}. This was sent to collections and appeared on my credit report as a derogatory mark. I have not received any documentation or correspondence regarding what this debt is in regards to nor how to resolve it ( pay it ). I have disputed this amount twice now, and still have yet to have it removed as of XXXX. I have received false debt collections on my credit report previously as well, so I suspect this may be due to fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report that were open fraudulently by a former partner who was abusive towards me. These accounts are reporting on my credit report with XXXX, Equifax, and XXXX  and want them remove as I never consent for the accounts to be open. Having these accounts on my credit report cause me XXXX  and traumatized me since I was a victim of domestic  violence as well as identity theft. The accounts reporting on my credit report include : XXXX XXXX  XXXX account shows paid off XXXX XXXX XXXX account shows paid off XXXX XXXX  XXXX XXXX account shows paid off XXXX XXXX XXXX- account shows paid off XXXX XXXXXXXX XXXX XXXX  and XXXX account shows paid off XXXX XXXX  XXXX which was formerly own through XXXX XXXX - collections XXXX  XXXX XXXX - Balance of XXXX XXXX XXXX- Original debt XXXX was paid off XXXX XXXX  XXXX Amounts of XXXX and XXXX