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

RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from XXXX, Experian, and XXXX and I noticed an unauthorized credit inquiries had been made. 

I contacted XXXX, Experian, and XXXX, who conducted the inquiry and asked them to remove their credit inquiries from my credit report. 

I request that you investigate the inquiries listed on my credit report to determine who authorized the inquiries. If you find my allegation to be true once your investigation is complete, please remove the inquiries and send me an updated copy of my credit report. 

If you find the inquiries referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 

Unauthorized on Experian : EXPERIAN XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX EXPERIAN XXXX XXXX  - XX/XX/XXXX US SM BUS ADMIN ODA - XX/XX/XXXX XXXX - XX/XX/XXXX Unauthorized on XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX Unauthorized on XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX # XXXX - XX/XX/XXXX Thank you for your assistance in this matter
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I sent XXXX a letter as a rebuttal to the inaccuracies on my credit report in reference to the Regional Acceptance Account ( # XXXX ). I sent a letter detailing the errors. I sent a marked up credit report that showed information that was wrong. XXXX told me that the account was verified and did nothing ( attachments ). 

I also sent a letter to Regional Acceptance to get a print out of my account and to request an opt-out option, so the debt would not report to my credit report. 

In return Regional Acceptance denied my request to opt out, but they did include the printout of my account. As I previously disputed with XXXX to send me the " source '' of verified information. They did nothing. 

Attached, please review my accurate account information that came directly from the lien holder. 

The discrepencies are as follows : On XX/XX/XXXX a payment of {$480.00} was made. It is not recorded on my report On XX/XX/XXXX a payment of {$460.00} was made. It is not recorded on my report. 
On XX/XX/XXXX a payment of {$460.00} was made. It is not recorded on my report. 
On XX/XX/XXXX a payment of {$460.00} was made. It is not recorded on my report. 
On XX/XX/XXXX a payment of {$460.00} was made. It is not recorded on my report. 
On XX/XX/XXXX a payment of {$500.00} was made. It was not recorded on my report. 
On XX/XX/XXXX a payment of {$500.00} was made. It was not recorded on my report. 
On XX/XX/XXXX a payment of {$320.00} was made. It was not recorded on my report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded o ofn my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
XXXX reported on credit report in XX/XX/XXXX was recorded, but not made. 
XXXX reported on credit report in XX/XX/XXXX was recorded, but not made. 
XXXX reported on credit report in XX/XX/XXXX was recorded, but not made XXXX reported on credit report in XX/XX/XXXX was recorded, but not made. 
XXXX reported on credit report in XX/XX/XXXX was recorded, but not made. 
XXXX reported on credit report in XX/XX/XXXX was recorded, but not made. 
XXXX reported on credit report in XX/XX/XXXX was recorded, but not made. 
XXXX reported on credit report in XX/XX/XXXX was recorded, but not made. 

XXXX XXXX amount is incorrect. Report shows {>= $1,000,000} This is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an auto loan with Ally Financial in XXXX of XXXX. They had been reporting my payments monthly until XXXX of XXXX. Since then they have not updated my account balance nor my monthly payments. Its bringing my score down and Im being denied the ability to purchase another vehicle. I want my payment history and corrected owed balance to be updated immediately.
Product: Credit reporting or other personal consumer reports

I am filing a Complaint against XXXX or failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate without providing any evidence of a thorough investigation.This practice violates the fair credit reporting act FCRA, 15 U.S.C. 1681i, which mandates a reasonable investigation of investigation of disputes.Furthermore XXXX actions may contravene the consumer financial protection act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBS recent administrative proceedings ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with necessary proof of investigation.
Product: Checking or savings account

wise closed my business account without any Reason associated with XXXX of XXXX XXXX
Product: Mortgage

XX/XX/XXXX, XXXX sent my loan modified mortgage to Fay Servicing LLC. The assigned account manager, XXXX XXXX, advised XXXX XXXX, that I not send my arranged monthly payments to Fay ( based on XXXX 's calculations ) because Fay had not received all my paperwork. XXXX XXXX was late at sending out new paperwork for me to apply for the same loan modification with Fay. I received Fay 's paperwork XX/XX/XXXX/XX/XX/XXXX. I re-applied with Fay and was denied due to the paperwork not being received in a timely manner. An appeal was requested. I was assigned a new account manager in XXXX XXXX. All paperwork required was submitted in a timely manner. I have now received a foreclosure notice scheduled for XX/XX/XXXX because Fay has not approved the loan modification, even though the loan was modified when they received it and payments were being made.
Product: Credit reporting, credit repair services, 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. I told XXXX, XXXX and Equifax to reinvestigate these accounts, XXXX  XXXX # XXXX, XXXX # XXXX. However, they stated everything was complete and accurate .But how is that possible if the open date, date of the last activity and much more is incorrect .I did request a detailed description of the investigation according to 15 USC 1681i ( 7 ) NO later than 15 days and they never responded .According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 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 states a consumer reporting agency can not furnish account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) 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 anledales 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 ageny if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting .I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Debt Recording Act XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX Acct # XXXX, XXXX # XXXX, XXXX Acct XXXX XXXX, XXXX XXXX Acct # 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
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft the following accounts are fraudulent I have put up a list of things inaccurate and unauthorized showing below with an police report ftc report with my drivers license and two pieces of mail with my social security card and the letters I have repeatedly sent all three credit bureau
Product: Mortgage

NATIONSTAR OWES ME {$8000.00}, THEY OWE ME FOR LATE FEES, ATTY FEES, INSPECTION FEES, {$500.00} X 4 MONTHS = {$2000.00}. I HAVE PAID 8 MONTHS AHEAD OF MY MORTGAGE DUE TO FALSE BILLING. I WAS NEVER BEHIND ON MY MORTGAGE WITH XXXX, XXXX, NOR NATIONSTAR. 
NATIONSTAR threatened to foreclose on my home in XXXX 2015. XXXX, I paid more than {$17000.00} XXXX thru XXXX 2015, my monthly payment is {$1000.00}. They took false information from bank of am, whom I paid more than {$27000.00} in the past 4 years, never behind and payments went to their bank of am ch XXXX department FOR XXXX XXXX XXXX. MISAPPLIED FUNDS, FALSE BILLING STATEMTNS, HARRASSMENT, THREATEN FORECLOSURE NOTICES IN XXXX 2015 THROUGH XXXX 2015.
Product: Credit reporting or other personal consumer reports

Multiple complaints have been filed with you highlighting your violations of my consumer rights. You have consistently denied and disregarded my complaints, despite having no evidence to support your position. You have also committed numerous acts of fraud against me. Attached to this letter is an Affidavit of Truth that details the violations of the FCRA that have been committed against me. These Bankruptcy accounts must be removed immediately from my consumer report/file ; otherwise, I will pursue you in federal court for these violations, as I have months of paper trail and deletions from the other consumer reporting agencies admitting the violations. This is the account : XXXX  XXXX XXXX- XXXX XXXX  XXXX XXXX
Product: Checking or savings account

RE : refilled on XX/XX/XXXX Complanint Number XXXX previous 1st time filed on XX/XX/XXXX Complaint Number XXXX and you referred me to FDIC and now they had solved the problem with the bank but Chexsystem never update the problem so FDIC told me that you are cfpb is the one need to deal with Chexsystem and referred me back to you, so I filed another complaint with you onXX/XX/XXXX. I did n't attached the police report on XX/XX/XXXXbut I did attached it on XX/XX/XXXX and not sure you are still have the police report or not so I decide to attach the police report to you today.
Product: Debt collection

This account was taken out by unauthorized family member in XX/XX/2917 when I found out I called them and let them know to close the account Ill pay final bill of XXXX for month ( only had account XXXX ) after about XXXX mths I noticed on my report after repeated attempts to get settled and removed they are still reporting inaccurate information as far as balance and dates! This account is over XXXX old but they are reporting as open in XXXX ( false ) on my credit report to remain as derogatory! Im asking that this account be removed 1 inaccurate reporting and 2 its old account over XXXX!.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block.Inc ) due to inadequate customer service and unfair practices, which violate 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 requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Jefferson capital syst has filed with credit reporting agencies that I owe a debt to XXXX  that is been charged off and is older then 10yrs it 13 years old. XXXX has already reported it and wrote it off. Jefferson bought the debt and is lying about when I opened and stop paying. They claim it was in XXXX when infact the initial account was opened in XXXX and I stopped paying in XXXX then went into collections in XXXX. They refuse to remove or admit they are lying it's fruad plain and simple fraud
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of your negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681o. Despite my previous efforts to resolve inaccuracies on my credit report, you have failed to fulfill your legal obligations, causing harm to my creditworthiness and financial well-being. 

Violations and Noncompliance : Failure to Investigate & Correct Inaccurate Information : Jefferson Capital Systems LLC XXXX XXXX XXXX. 

Failure to Provide Proper Notice or Justification : l disputed these companies due to not receiving any information/ Mail regarding them being on my credit report. Nobody has addressed these disputes. These disputes were created a year ago. 
Negligence Resulting in Financial and Reputational Harm : Due to your failure to comply, I have suffered damages, including denials of credit, higher interest rates, and difficulties trying to find a home.
Product: Mortgage

AmeriHome is not complying with the CARES Act. AmeriHome has actively deceived me. I asked for a deferment for my VA-backed loan. AmeriHome activated a loan modification instead of the deferment, with very unfavorable terms, without my consent. 

Forbearance period XX/XX/XXXX through XX/XX/XXXX. 
Requested deferment XX/XX/XXXX AmeriHome sent Loan Modification instead of deferment. XX/XX/XXXX Contacted AmeriHome XX/XX/XXXX. They refused Deferment option described in the CARES Act for VA-backed loans.

AmeriHome is trying to bully homeowners into foreclosure or unfavorable loan modifications without following the CARES Act. AmeriHome is a collections agency. They have no incentive to help homeowners. Talking to the collections agency employees makes it clear they want to foreclose or charge huge fees for loan modifications.
Product: Mortgage

A letter to the Consumer Financial Protection Bureau I pay a Mortgage to Wells Fargo bank. 
When the pandemic started Last XXXX. I was not having a problem with making my mortgage payments. But in XXXX the first part of XXXX. I was informed by Wells Fargo that i could enter into a forbearance program. That my missed payments could be deferred until the end of my regular Mortgage period. I was also told If I did not want My mortgage payments to increase. that i could pay an extra amount to the escrow So that my payment would not increase. So i started paying at least {$650.00} a month. In total i have sent {$4300.00} to the Escrow department at Wells Fargo. My regular payment was {$1300.00}. 
Now in XXXX I informed them that i would try to resume paying my mortgage. I am a retired XXXX XXXX. So i really don't have a full time job. So I am making it with the amount I regularly pay. But i could do better if the payment was a little lower. 
But I was just informed that my new payment would be {$1600.00} I am devastated to hear that even though I have paid about {$4300.00} in to escrow that my payment increases Anyway. as If i had paid nothing. My mortgage is an FHA loan., And i Tried to do what was right.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/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 you 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 block/remove these files. 

XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, XXXXXXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}. 

If you feel there is a possibility these accounts 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 account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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: Bank account or service

I am writing on behalf of my son. My son and I opened a custodial account with Scottrade and the account was a victim of a cyberattack that allowed over XXXX to be stolen. 

Scottrade has endeavored to cover up the hack and refuses to provide statements of the XXXX theft. Scottrade has refused to address the matter internally and upper management has acknowledged that their security systems failed to stop the fraud. 

As a result, Scottrade had refused to respond to the past XXXX CFPB letters. I am simply asking that Scottrade provide me with a copy of the arbitration contract but Scottrade has not responded. 

I kindly request the CFPB ask Scottrade to provide an original version of the arbitration agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

m writing this complaint as my second complaint against both XXXX and Experian credit bureaus because I have noticed a incorrect fraudulent bankruptcy that is reporting on my credit file within their bureaus and I have asked for them to dispute the information and to ultimately remove this information from my credit report. I have been informed by both bureaus that they have received their information from XXXX XXXX and they claim that they have verify this information. I have been in contact with XXXX and have recently discovered that my file is frozen and has no information to report as well as they have not had an inquiry done by these credit bureaus. I am requesting that they eat mediately remove the chapter XXXX bankruptcy that is reporting on my credit files with in their bureaus immediately. Power of the federal credit reporting act this is a violation and it prevents me from furthering my credit score which I am entitled to do as a consumer, my information should be correct and report it correctly, I should not have to fight with these barrels for over six months to remove something fraudulently when there is already a police report in my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be removed.EQUIFAX XXXX {$130.00}
Product: Debt collection

I am a XXXX % XXXX XXXX Veteran, living on a fixed income. After completing my service time in XXXX, I have had to have numerous XXXX   that have deemed me unable to work. I have had this item that shows as XXXX with a balance reporting of {$2600.00} charged off, on my credit report. In XXXX of XXXX- I reached out to all and any creditors and made them of an upcoming XXXX on my shoulder, due to a XXXX injury in XXXX . I am quite positive that all credit accounts also included the fee of " XXXX insurance ''. However, when the time came- no one knew anything about anything to help me in a situation that I became XXXX from serving our country. I call the number and no one can give me any info and only points me towards " XXXX XXXX ''. This company is actually showing a balance over {$600.00} more. I got nothing telling me a charge off was being placed and the company will not verify anything for me, nor allow me to resolve the issue. I only want to validate a debt and try to find a way to settle it, so that my credit is not tarnished. I was unable to pay anything, waiting for my SS XXXX to kick in but this account would have been paid through XXXX protection on the account, as it was that exact circumstance. I dispute through the credit bureau and get nothing. I call and am told nothing. I just want a resolution and XXXX XXXX refuses to even look into me becoming XXXX and contacting XXXX.
Product: Vehicle loan or lease

I have been in communication with XXXX since XXXX of this year to not only pay the balance listed on my and my husband 's credit report but to ask them to remove the now paid account entirely. Through much trial and tribulation, I have been met with vague answers and inconsistencies. We paid the balance legally reported but since we did not pay what they claimed we owed, they REFUSE to remove the account from all 3 credit bureaus. Now the one person who is apparently the ultimate decision-maker has replied to my request with facetious comments. We did our part by paying, I simply just want the account removed as per the California Statute of Limitations allows!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX My only name is XXXX XXXX XXXX only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My only employer is XXXX XXXX XXXX  There may be individuals that have the same as mine. 

Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. 
Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed.
Product: Debt collection

you are violating my consumer rights!!! I FEEL VERY HARASSED AT THIS MANNOR!! 
15 USC 1692g ( 2 ) states that Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ;