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

I am filing a complaint against EQUIFAX for reporting inaccurate and incomplete information on my consumer report. They have placed alleged accounts on my report without my knowledge or permissible purpose, violating my privacy rights under 15 U.S.C. 1681b, which outlines the limited circumstances under which a consumer report can be obtained or used.

Furthermore, EQUIFAX is in violation of 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Despite my disputes, XXXX has failed to verify or validate these alleged accounts, and their continued reporting of this inaccurate information has caused significant harm. 

As a result, I am unable to purchase a home for my children and me, and my employment opportunities have been negatively impacted. This invasion of my privacy and disregard for federal law has caused unnecessary financial and emotional distress. 

I request that the CFPB hold EQUIFAX accountable for these violations, require the removal of these inaccurate accounts, and ensure compliance with the FCRA to prevent further harm.
Product: Checking or savings account

XXXX   XXXX   XXXX  , I called  Wells Fargo bec ause I cancelled all my autopay with my credit card companies and loans in  XXXX  of  XXXX . I noticed that a few were still debiting my account without my consent. I contacted  Wells Fargo  and told them that I just wanted to close the account be I felt that I did not have any control over the account. They suggested that I open a new account with a new account number and that would solve the problem. They filed a claim for me to get the a refund on all the money that I lost due non authorization debits on my account. I thought my troubles were taken care off. I noticed that on the new account, it was still being debited!!! Wow!! I called them and was told that by a supervisor that she had made the necessary changes and would re-file my claim and it should not happen.  Guess  what? Not only did they deny my claim but it was still happening. I was just frustrated with them so I called them to close my account again. They would not let me close it. Now because it has been negative due to them accommodating debits on a new account, with a new account number they finally closed it. I want to resolve this issue because I do n't owe them anything and I do n't want this on my credit report when I did everything that I was suppose to and they did n't. I am hoping to resolve this issue. This has been very stressful for me and no one should have to encounter this. I was actually a good  Well Fargo Customer.
Product: Credit card or prepaid card

I am currently receiving government benefits through the California State Employment Development Department. 

On XX/XX/2020 I was awaiting a deposit around {$900.00}. I typically call Band of America automated number to verify that my card has the funds posted. This time there was only an existing balance and not the larger deposit I was waiting for. I then checked my EDD account and it said the funds were in qualification stage. 

On XX/XX/2020, I went to a Bank of America ATM and it said the funds were still not there. I then verified the EDD account which still said in qualification status. I assumed nothing would post on Sunday XXXX XXXX. 

On XXXX XXXX, I went to an ATM without checking EDD and the funds were not there. When I checked my EDD account, it now said a withdraw had been made at a nearby ATM for {$980.00}, after first checking the balance. 

My ATM card never left my possession. 
On XXXX XXXX, I called Bank of America to report the fraud withdrawal. They provided me with another number specifically for fraud of EDD funds. They also sent a new card in the mail. 

On XX/XX/2020, I called the number specifically for fraud of EDD funds and had to provide the details so they could investigate. I was told the process was new and confusing but the EDD fraud was prevalent. They said a supervisor would call me within a few days. 
I Never received a call from Bank of America. Instead, I received a letter XX/XX/2020 stating that my account was closed and the claim for the investigation was never submitted. 
I called XXXX XXXX and every couple days later to ask for credit for my FDIC-insured EDD funds that were stolen and they refuse to talk to me at all. They say, " Since your account has been closed by EDD, you need to speak with EDD. We can not discuss anything. We can not assist you. E Every time I speak with EDD they assure me, my clam is fine and they never requested to close my account. They say that the issue is with Bank of America not honoring the funds which are insured. I have since started getting my benefits via hard checks mailed to my home.
Product: Credit card or prepaid card

I received a call today XXXX, regarding an Issue going back until XXXX. I was advised to call back XXXX, and reference case number XXXX. First rep was rude, no help and hung up on me while waiting for a supervisor. Called back explained everything to XXXX, she could not help. Was transferred to XXXX employee id  XXXX, she did not know anything. I asked about the XXXX charge that is disputed on the statement that the company can not explain. XXXX told me she could not help and it was valid charge, although her nor anyone at Barclays could tell me why. She said she has no boss, and answers to know one. Really? No boss? I guess there is not an office of the president, CEO, board members etc ... ... .. 
THIS COMPANY IS ACTING FRAUDULENT AND ADVISING ME TO PAY SOMETHING NO ONE CAN ADVISE TO, OR SHOW A PAPER TRAIL WHY IT IS DUE???????????????????????????
Product: Mortgage

I have been trying to refinance for weeks after my rate was locked in. 

On the day of close the notary did not show up. The bank has refused to reschedule the closing and the notary and they will not call me back. Every customer service agent I get on the phone says they have to escalate and will call me back. 

It has been a month since I locked in my rate. The bank is trying to cancel this refinance. 

Freedom Mortgage bank - loan advisor NMLS # XXXX started this process and refuses to email or call me back.
Product: Credit reporting or other personal consumer reports

Immediate Action Required Request for Deletion of Accounts Due to Non-Compliance with FCRA Dear Sir/Madam, I am writing to file a formal complaint regarding Experian 's failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to the investigation and verification of several accounts listed on my credit report. Despite disputing the accuracy of these accounts, Experian has failed to provide the necessary documentation or evidence to show that a proper investigation was conducted. This non-compliance constitutes a violation of the FCRA, and I am requesting immediate action to resolve this issue by having the following accounts removed from my credit report.

I am fully aware of my rights under the FCRA, including the requirement for credit reporting agencies to conduct reasonable investigations and provide verification of disputed information. Experian has not provided any details of the investigation process, nor have they shared evidence that these accounts were accurately verified. Therefore, I demand that the following accounts be deleted from my credit report : XXXX XXXX XXXX XXXX Account Number : XXXX Issue : Late Payments XXXX  XXXX Account Number : XXXX Issue : Charge-Off XXXX Account Number : XXXX Issue : Charge-Off XXXX XXXX  Account Number : XXXX Issue : Charge-Off XXXX XXXX XXXX XXXX Account Number : XXXX XXXX : Charge-Off XXXX XXXX Account Number : XXXX Issue : Charge-Off XXXX XXXX Account Number : XXXX Issue : Charge-Off The failure to properly investigate these accounts and the absence of supporting verification violates the FCRA, specifically Section 1681o, which holds credit reporting agencies accountable for negligent XXXX. I am requesting that the CFPB take immediate action to ensure that these accounts are deleted from my credit report. I believe this is the fair and appropriate resolution, as Experian has not met the statutory requirements for verification under the FCRA. 

I trust the CFPB will intervene swiftly to protect my rights and ensure that Experian is held accountable for its failure to comply with the law. 

Thank you for your attention to this matter. I look forward to your immediate response and the resolution of this issue. 

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

I have continuously reached out to all three of the credit bureau sin regards to the inaccuracy on my credit report. Equifax has not even responded in30 plus day. These accounts are inaccurately reporting on my credit file and is causing me to lose jobs nor find shelter do to the items reporting negatively on my file. I would like for these items to be properly investigated in a timely manner and removed and blocked from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I lost my job due to COVID in XX/XX/2020. At that time, CarMax Auto Finance had told me the only options were to defer a payment to the end of my loan. I agreed to do this and was told to call back frequently to see if they would have any other relief due to the pandemic. I called to check in and each time was told that there was no longer any COVID relief available, even though COVID was/is still very much real. I asked what options I had if there were ever a time I could not make a payment by the due date, as I was unemployed and unsure how to make all my payments. I was told that I could make my payment by the following due date to prevent it from being marked late with the credit bureau. I did exactly that. I noticed I had a missed payment reported to the credit bureau and called to inquire about this. When I called, I was told by the representative that she could not believe I had been told I could make my payment by the following due date because that would mean I was building interest that entire time. I was shocked to say the least, since I was never told this. I told her that with their calls being recorded, they could listen to all my previous calls to hear that MULTIPLE people told me to just pay by the XXXX of the following month. I now have so much interest accrued that I owe more than the vehicle is even worth. I have had issues with the actual car since I purchased it, which CarMax is fully aware of. Those issues makes the car worth even less than they sold it to me for, so now they are profiting off of lies and deceit. I have used CarMax for 15 years and am so disappointed in this neglect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I need you ( Experian ) to remove false information reporting to my credit report.

I have tried the following : 1 ) I sent certified letters to the creditors reporting those addresses and to update their records with the correct information, and to date I have received no response.

2 ) I have called EXPERIAN on multiple occasions, but they said they can not remove because they are attached to tradelines, but those tradelines are not mine.

3 ) I have been sending Experian certified letters for months now requesting for those fraudulent addresses to be removed, and to this date they have not been removed, which is why I am filing a CFPB report.

4 ) I have sent EXPERIAN the identity theft reports with specific instructions about the fraudulent addresses, and to this date they have done nothing to get them removed.

5 ) I am DEMANDING for EXPERIAN to remove the fraudulent addresses and phone numbers immediately due to identity theft, please see below for the list of addresses and phone numbers. 

Addresses : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone Numbers XXXX XXXX
Product: Credit reporting

Transunion said they investigated a judgement against me and that it showed a XXXX balance, but it is still showing an amount no discharged accounts can show an amount .The original basis for the judgement from XXXX XXXX shows a XXXX balance as it should but transunion is showing a dollar amount under civil judgement and is not showing it discharged in bankruptcy, so it is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$4200.00}, ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This my follow-up complaint about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to explain that I am a victim of identity theft, which has resulted in fraudulent entries on my credit report. I did not authorize any of the activity listed, and I discovered these inaccuracies when reviewing my credit file on XX/XX/scrub> 2025. The company named XXXX XXXX and few other collections and inquiries that were not made or authorized by me. I have reported the matter to FTC and obtained an Identity Theft Report to verify my claim. I respectfully request that the fraudulent accounts be removed and my credit file updated accordingly. I have supporting documentation and appreciate your prompt attention to this matter. And remove these items off my credit profile that is hindering me! 

Right to Dispute Inaccuracies ( 1681i ) If a consumer finds incorrect information on their credit report, they can dispute it. Credit bureaus must investigate and correct errors within 30 days. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries that were not authorized by me and that even though I have asked TransUnion Consumer Solutions to remove them from my credit report, they have not done so to date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I filed a complaint with the Bureaus a month ago, but the wrong info on my report is still there. I haven't heard back from them, aside from your message saying the company replied to my complaint. How can I trust that they've really looked into the inaccuracies? What steps did they take to verify the accounts? This whole thing is so frustrating! It's been over 30 days since I reached out, and the disputed accounts are still unchanged. If this keeps up, I might have to consider legal action because of the stress it's causing me. Plus, I'm worried about my personal data security after the Equifax, Experian, and XXXX breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card

My wife was in a branch of Suntrust Bank to pick up my debit card that accidentally left in the ATM machine. When she stopped at the branch to pick up my card, the branch manager and bank teller asked my wife if she wanted to earn cash back on our debt cards. She said, " talk to my husband, he handles all of that. '' They did n't take no for an answer, asked her a couple of questions like " where did you go to high school? ", etc. With that very basic information, they opened XXXX credit cards, XXXX in my name and XXXX in her name. I had no idea that this had happened, until my credit monitoring service alerted me that an account had been opened. After learning that these accounts had been opened, I immediately tried to find out how this happened, because at first I thought it was identity theft. I later found that it was n't identity theft, but it was the people at the bank branch, that opened an account and NEVER even spoke to me. With that tiny bit of personal information about my wife, they claim that it was appropriate that they opened XXXX new credit card accounts, XXXX in her name and XXXX in my name. Now, I 'm trying to get the account closed and removed from my credit report, but I am having a very difficult time.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Details of the Complaint : I am filing this complaint against Greenberg Grant & Richards, a debt collection agency, for their unprofessional and aggressive practices that may violate the Fair Debt Collection Practices Act ( FDCPA ).

Key Issues : Misguided Customer Outreach : They contacted individuals and businesses they mistakenly believed were my customers, causing unnecessary disruption and potential reputational harm. 
Aggressive Tactics : Despite providing reasonable explanations for payment delays ( due to slow-paying customers during the holiday season ), they ignored this and escalated the matter unnecessarily. 
Unprofessional Behavior : Their communications were unreasonably hostile and lacked the decorum expected in professional debt collection practices. 
Impact on My Business : Their actions have disrupted my operations, strained my relationships with actual customers, and created additional stress in resolving this matter. 

Supporting Documentation : Attached are copies of their emails and correspondence demonstrating their unprofessional conduct. 

I request an investigation into their practices and appropriate action to ensure compliance with the FDCPA and professional standards. 

Your Information : Name : XXXX XXXX Business Name : XXXX XXXX XXXX XXXX XXXX Contact Information : XXXX Thank you for addressing this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last date was XX/XX/2021, the amount was for {$16000.00} and I have filed 2 disputes with no results.
Product: Credit reporting or other personal consumer reports

This morning, I found out that my credit report contains incorrect accounts, and I don't understand why. I routinely check my report, but this time, I noticed discrepancies that werent there before. Hoping it was just a browser issue, I refreshed the page, but the errors didnt disappear. Due to this concern, I am asking for a careful review of the documents I submitted to ensure I wont have to deal with this problem again.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handlings of disputes, particularly in light of the 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 CFPB 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are credit inquires on my report that I dont know about Ive contacted all of the above creditors and none of them can verify when these inquiries were made. I currently have 2 collection accounts on my credit that doesnt belong to me so there for this explains why I have all these inquiries I know nothing about. I have contacted both XXXX  and Equifax to have these removed to no avail. I havent applied for credit since 2018.
Product: Student loan

On XX/XX/XXXX, Mohela sent me a notice stating that my total due is {$2600.00} which includes a past due of {$1900.00}. They are still holding on to XXXX payments and refuses to forgive the XXXX loans that met the required number of payments in XX/XX/XXXX. In addition, they have received my loan forgiveness application which they are refusing to process. 

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

XXXX and Transunion are reporting incorrectly that I am 30 plus days past due on the XXXX - partial account number XXXX ( page 6 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. I have contacted to two bureaus to fix this incorrect reporting on my credit report. It is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.