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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions and attempts to submit, Equifax consistently responds within XXXX stating the account is accurate, without providing any evidence of a thorough investigation. I have also been trying to dispute XXXX inaccurate accounts by the same creditor yet Equifax does not allow for me to do so via their website, when I call the representatives always say they'll submit the disputes for me yet no investigation has been done. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable Investigation 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 CFPB 's recent administrative proceedings ( 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. Below is a list of accounts I have marked as inaccurate ; XXXX XXXX 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: Bank account or service

The Chase Bank has refused to accept US currency as an acceptable deposit. The cash is legitimate, not damaged and was obtained at another bank just moments before I attempted to deposit with Chase. They claimed that it is their companies policy to refuse to accept US currency as a legitimate deposit medium.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, Account # XXXX XXXX XXXX  ( XXXX XXXX XXXX  XXXX ), Account # XXXX XXXX XXXX ( XXXX ), Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX has all 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 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 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Mortgage

Appraisal Transfer Refusal. I have been refused a refinance application and the company involved will not forward the appraisal documents for my home to my new lender XXXX XXXX XXXX. This request has been ongoing since XX/XX/2020. The appraisal was paid for by myself. 

It appears there is 1 individual working for 2 mortgage companies. I applied to Caliber Home Loans after they offered better terms than XXXX XXXX. 

The person who ended up servicing my application : XXXX XXXX 's ( XXXX ) XXXX Direct Line Email Addresses : XXXX XXXX I ended up receiving a refusal from XXXX XXXX  although I did not follow through with my application as well as from Caliber Home Loans. Mr. XXXX started using his XXXX XXXX  email 3/4 into the process. 

My new lender is unable to move forward until the appraisal has been received by XXXX XXXX. We are 2 months into requests and XXXX are not receiving any reply although I signed a document giving my permission to give the appraisal to my new lender. I obviously do not want to pay for another appraisal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. 

XXXX XXXX XXXX {$150.00} XXXX  XXXX {$84.00} XXXX XXXX  XXXX {$180.00}
Product: Credit reporting or other personal consumer reports

Ive never applied for a loan or credit card from XXXX XXXX XXXXXXXX. I need this inquiry to be removed from my report immediately.
Product: Credit card

In XX/XX/year>, I was a day late paying my American Express credit card bill. They issued me a credit for the late fees. 

The next month showed an interest charge of {$130.00}. I called about it and they told me that because I was late on the XXXX payment, all charges for the XXXX payment were charged Interest, even though I paid the XXXX bill on time. This was not told to me, nor I feel I should be getting penalized for future bills because of a late payment. 

I told them that unless this is resolved, I will leave american express and use another card. 

Can anything be done?
Product: Money transfer, virtual currency, or money service

# # # Report Against PayPal for Unjust Account Limitation I am filing this report against PayPal due to the unjust and permanent limitation imposed on my account, which still holds a balance of almost {$500.00}. This limitation has severely restricted my ability to access these funds, which I urgently need to cover my medical expenses. The XXXX hold on my account is causing significant financial strain, particularly given my current health situation. 

For context, I have been a PayPal user for more than XXXX  years now, utilizing the platform to receive payments from clients for my freelancing services. Despite facing a few payment disputes, I have consistently resolved these issues by promptly issuing refunds whenever there were mistakes or errors. I have always adhered to PayPal 's policies and ensured that all my activities were legal and compliant with their rules and regulations. 

However, despite my diligence and compliance, PayPal has decided to permanently limit my account without providing a satisfactory explanation. This action is not only unjust but also severely impacts my ability to meet essential financial obligations. I urge PayPal to reconsider their decision and lift the limitation on my account so that I can access my funds and continue to use their services responsibly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has REINSERTED a FRAUDLANT account on my consumer report. This account was deleted last year by transunion, and I was never notified in writing within five business days of reinsertion per the FCRA. 

Delete this account immediately! 
XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

Re : Account # XXXX XXXX XXXX. Account Number - XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit card or prepaid card

XX/XX/XXXX - identified fraudulent charges on my card and notified Comenity the card Holder ( Comenity Bank, XXXX XXXX XXXX, XXXX, OH XXXX ) a division of Bread XXXX  XXXX XXXX XXXX XXXX, OH XXXX The Customer Service agent confirmed the fraud, took details and advised a new card was to be issued. Charges were removed. 

XX/XX/XXXX - fraudulent charges were reapplied to my account and received an email to call Comenity, XX/XX/XXXX - called Comenity and they said they had no knowledge of any fraud and directed me to fraud department. 

On phone with Fraud Department- was told Comenity had a computer " system update '' and they can not access my account. 

XXXX from the Fraud department tells me there is " literally nothing they can do '' - they can not see my account nor resolve any inquiries. 

Shocked to hear that I asked XXXX to repeat that as I could not believe what I was hearing - she confirmed that Comenity can neither access my account, nor speak about the fraud. She did say that I am responsible for the payment. 

I asked for a XXXX. I asked her to close my account. 

She said XXXX can not do so at this time as the system is locked.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following account was never authorized to report on my credit, and is hurting me, please see below the account on my report Identity Theft XXXX  Account Number : XXXX This is not mine. 
Identity Theft XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I submitted a complaint to XXXX, XXXX took over 30 days to respond, and after responding way past the 30 days XXXX replied that they verified the fraudulent accounts on my credit report
Product: Mortgage

Last year our mortgage was transferred to Bayview Loan Servicing, XXXX, Florida. We were in a Chapter XXXX Bankruptcy and were denied access to our online account, so I could not see the payments applied. We sent the payments by certified mail, return receipt requested, about the XX/XX/XXXX of the month. The payments were always received by the XX/XX/XXXX of the month, but not posted into the bank until the XX/XX/XXXX of the month. Once we received a notice saying that we were in arrears and that foreclosure would soon begin. At this time, our bankruptcy has been discharged, and I have access again the to online account, but they have not posted any payments since XX/XX/2017, although the XX/XX/XXXX and XX/XX/XXXX checks have cleared the bank. Calls and letters have not produced any effect. We would like for them to post payments in a timely fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to handle this with Equifax several times. Please be advised that this is causing defamation of character and causing financial damages and hardships. I will constitute a failure to provide such a response within 7 business days as your acceptance that this debt is not valid. PLEASE VERIFY, VALIDATE, AND send me DOCUMENTS with the proper documentation that I am LEGALLY OBLIGATED to pay this alleged debt. A simple response or answer of being VERIFIED does not make up a legal or lawful response. I DEMAND THAT YOU REMOVE ALL THE FOLLOWING ACCOUNTS IMMEDIATELY. 1. XXXX XXXX  # XXXX 2. XXXX XXXX  # XXXX 3. XXXX # XXXX 4. XXXX # XXXX 5. XXXX # XXXX 6. XXXX  # XXXX 7. XXXX  # XXXX 8. XXXX XXXX # XXXX 9. XXXX XXXX  # XXXX 10. XXXX XXXX  # XXXX 11. XXXX XXXX  # XXXX
Product: Money transfer, virtual currency, or money service

I had signed up on CoinBase in XXXX XXXX with all my information and verified my identity with drivers license which was accepted and verified. Subsequently I was allowed to conduct transactions and purchase cryptocutrency. Over the last month it is not allowing me to do buy, sell or transfer my crypto currency stored on their site asking for verification again. I have tried doing so several times and have sent them numerous messages to ask what other information I can provide, but havent received any response. Meanwhile my funds are tied up with them and I can not access, transfer or sell and close out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX  ( XXXX ) ACCOUNT, WHICH IS CHARGED-OFF IS STILL REPORTING ON MY CREDIT REPORTS. I HAVE ATTEMPTED SEVERAL TIMES AT REMOVING THIS ACCOUNT AND NOTHING HAS BEEN DONE BY ANYONE. NO EXPLANATION WHAT SO EVER. I HAVE BEEN AT THIS FOR SEVERAL MONTHS NOW. PLEASE REMOVE THESE DEROGATORY REMARKS OFF OF MY CREDIT REPORTS. THANK YOU.
Product: Credit reporting or other personal consumer reports

There is a collection account that just hit my credit report. I have no knowledge of this account, I have no relationship with this creditor. On the Experian report there is no information on how to contact this creditor. 

Account Name : XXXX XXXX XXXX Acct Number : XXXX Amount : XXXX I have no idea who this belongs to. I need this to be removed from all 3 credit bureaus immediately.
Product: Credit reporting or other personal consumer reports

Sent a letter requesting inquiries off of my credit that were dated XX/XX/XXXX. I sent a report along with the letter requesting that inquiries NOT attached to any accounts and they are investigating an acct thats been valid for XXXX years! I dont want my file messed up because they arent following instructions. The inquiries from the XX/XX/XXXX letter need to be removed. 

They have all the info. I can not write them online because the disputes failed. This need to be fixed
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account number XXXX GOODLEAP Reported : XX/XX/XXXX + {$34000.00} Needs Attention GOODLEAP LLC Inquiry : XXXX XXXX, XXXX GOODLEAP LLC Reported : XX/XX/XXXX + {$100000.00} Needs Attention
Product: Debt collection

I CHECKED MY CREDIT REPORT AND NOTICED I HAD AN UNAUTHORIZED COLLECTION FROM CCS CREDIT COLLECTION WITH ACCT NUMBER : XXXX OPENED IN XX/XX/XXXX FOR {$130.00} ON XXXX AND ACCT NUMBER : XXXX OPENED IN XX/XX/XXXX FOR {$120.00} ON XXXX THAT I DO NOT RECOGNIZE. I BELIEVE SOMEONE MAY HAVE APPLIED FOR SOME THINGS IN MY NAME AS FRAUDULENT. I WOULD ALSO LIKE THE FOLLOWING INQUIRIES REMOVED FROM 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

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Subject : Complaint Regarding Early Warning Systems Reporting and Resulting Financial Harm Dear CFPB Representative, I am writing to formally file a complaint regarding the reporting practices of Early Warning Systems ( EWS ) and its impact on my financial life. Recently, I attempted to open a bank account with XXXX XXXX ; however, my application was declined because the Early Warning report indicated the presence of negative marks on my credit file. I believe these marks are inaccurate and are causing significant harm to my financial wellbeing. 

Last year, after noticing similar discrepancies, I proactively reached out to Early Warning Systems to address and correct any negative marks appearing on my report. Despite my efforts, these inaccuracies remain unresolved, directly affecting my ability to access basic financial services. 

Additionally, I have been involved in a lawsuit with several credit bureaus, which arose as a result of identity theft. The misreporting linked to this incident has further complicated my situation and contributed to financial losses and undue stress. I contend that the data being reported by Early Warning Systems, which seemingly has not been rectified despite my outreach, is both misleading and prejudicial, resulting in significant harm to my creditworthiness and reputation. 

Given the above, I respectfully request that the CFPB investigate the following : The continued reporting of inaccurate negative marks on my Early Warning Systems report despite my efforts to have them corrected. 
The role these inaccuracies have played in the denial of my application to XXXX XXXX. 
The connection between these issues and the identity theft incident that led to my ongoing legal dispute with the credit bureaus. 
I am requesting that the CFPB intervene to ensure that Early Warning Systems corrects its reporting practices and that affected consumers, like myself, are not unduly penalized for errors or unresolved identity theft issues. Enclosed, please find copies of relevant correspondence, legal documents regarding my lawsuit, and any other supporting materials that provide additional context to my situation. 

Thank you for your prompt attention to this matter. I trust that your investigation will lead to fair and corrective measures that prevent further harm to consumers like me. Please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require additional information or documentation. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

I received an email about referral bonuses. The email states that I will get XXXX cash back for each friend who gets the card. The person I refer will earn XXXX  cash back after they spend XXXX in the first three months their account is open.When I send the link to a friend it tells them they will get a promotional offer of 3% cash back and switches the offer with no mention of XXXX cash back after they spend XXXX   in the first three months their account is open.This appears to be a bait and switch promotion which is damaging my reputation because I advertise something to my friends and colleagues that isn’t true due to Chase Banks false advertisement.
Product: Debt collection

I am writing to file a formal complaint against Experian. Experian reports Lead Bank inaccurate and negative information on my credit report. It has been over 30 days since I requested the removal of these entries, and despite my requests, the information remains unresolved, negatively impacting my credit score and my ability to obtain housing and essential services for me and my children. These negative remarks violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), which mandates that information be corrected or removed from credit reports if it is found to be inaccurate or incomplete. Under the FCRA, I am entitled to dispute inaccurate entries, and XXXXXXXX XXXX has failed to meet its obligations in providing accurate information within the required time frame. Additionally, the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691, ensures that consumers are treated fairly in lending practices, including how information is reported to credit bureaus. The delay in removing these erroneous entries affects my ability to secure adequate housing, which in turn poses a severe financial and personal burden on me and my children.
Product: Money transfer, virtual currency, or money service

i deposited XXXX XXXX in my coinbase account ( XXXX ), they freeze my account so i cant withdraw my balance. 
i tried to contact them many times but no responding. 
they freezed it since XX/XX/2020 till now
Product: Mortgage

Refinanced original mortgage with NewRez/Shellpoint with XXXX XXXX in XX/XX/2021. Paperwork was incorrect and officer told us to cross out maiden name and put new name. The old mortgage closed and the new one opened. Paperwork was not accepted with crossouts so they made an appointment with us to file the new paperwork in XX/XX/2021. We were told not pay anymore on the old mortgage as it was closing. They decided to report a missed payment to the credit bureaus in XX/XX/2021 from XX/XX/2021 even though we were told to disregard anything that came from the old loan. This brought my credit score down by roughly almost 100 points. XXXX originally immediately followed up with NewRez 's escalation team to figure out what happened back in XX/XX/XXXX. There was never any follow up and neither the escalation team or XXXX have followed up with me to get the problem fixed. We continue to pay on the new correct loan with no problems going forward. However, the old loan was clearly sloppily closed. You can see I have no history of ever missing a payment on any of my accounts. Please help address this problem and getting the one missed payment improperly applied off of my credit record. Thanks!
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 Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : 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 or credit management

On XX/XX/2023 I purchased a product at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, and I applied a Kay XXXX  Credit Card to purchase the product at the cost of {$1400.00} in the store. The sales associate told me that the credit card payment will be no interest charge. And I believed and was not aware of the no interest charge period. After 12 months, and I see there is an accumulated interest charge on the credit card statement, and I inquired the credit card company said the interest is accumulated at once at the time of 12 months after the first day purchase. And I was totally not aware of the promotion terms, and purchased the product by incomplete or inaccurate disclosure of credit card term.
Product: Checking or savings account

I received a fraud notification from my bank ( XXXX XXXX XXXX ) that I purchased {$1900.00} worth of something from Moneygram  International Inc . When I received the notification I immediately contacted my bank and the company that was trying to charge me to try and figure out what was going on and they asked me if I made any purchases or payments associated with XXXX XXXX XXXX or Moneygram International Inc . I told them no. I then proceeded to call Moneygram to ask them who was committing fraud in my name because they had my debit card, bank details and my identity i but they won't tell me the identity of the person without a criminal report. Moneygram also charged me {$2.00} for something I did NOT buy and both the company and my bank refuse to give me my money back. Moneygram says under their terms and policy they cant refund me because the transaction went through. I dont understand why its so difficult for this terrible company to understand that I did not make these purchases. I filed the identity theft report, the FTC report and the criminal report and yet they are uncooperative, unprofessional and rude. Im the victim, someone used my card and stole my money and its unbelievable that I, being the victim, can not get my money back. I literally don't understand why this is happening to me.