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

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have a line of credit at Advance Financial 24/7. The daily interest is getting larger by the minute and I can not afford to pay this off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : I paid the remaining balance IN FULL via my online XXXX XXXX XXXX  XXXX in the amount of {$140.00} ( the entire balance as stated on their website - SEE ATTACHED DOCUMENT SHOWING BALANCE OWED, AND PAYMENTS MADE ). 

XXXX XXXX I was made aware of a missed payment only because I logged into the site to request that the account be closed. I called XXXX to understand what was late and why I had a balance on the account when I already paid it in full. They were unable to answer my questions and told me that someone would call me back. After not hearing back I called back in and spoke to XXXX who told me she saw the notes from my last call and would get back to me with answers on why there was a {$6.00} balance and then a {$7.00} balance after I had paid the balance in full. I spoke to XXXX again on XXXX and was informed that interest had been charged on the account along with a late fee and that these fees weren't visible when I paid the published balance on the XXXX  website in XXXX. I agreed to pay the late fee and balance in full on XXXX with the understanding that the late payment report would be deleted from by credit report. Nothing was done by XXXX after this call and the late is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION & XXXX also XXXX you are reporting incorrect information to my credit report for the following account XXXX XXXX PLEASE DELETE IMMEDIATELY my TransUnion reported a 0 month Term but XXXX Isnt reporting a monthly Term at all also XXXX is Reporting a 1 month Term why are these XXXX credit Bureaus reporting are different if you all get the same reporting from the same source for XXXX XXXX below will be proof attached PLEASE DELETE THIS INACCURATE ACCOUNT IMMEDIATELY FROM ALL THREE CREDIT BUREAUS Please verify and delete immediately Ive reported this issue before and nothing was fixed
Product: Debt collection

US bank, I just received I owed XXXX dollars, I never use US bank CARD AT ALL. .. Im not aware of it until I I received note, ..I had US BANK BEFORE XXXX or XXXX when I was working but I never use it at all, I left it, when I moved XXXX, in my bf. 
My XXXX XXXX Im using it, but they keep charging it till it gets to points its higher than I owe them..I dont have work for almost 4 years but they keep charging me on it.. Im full time mom,
Product: Mortgage

PHH Mortgage arbitrarily and capriciously issued a due and payable notice to elderly borrower, purportedly due borrower not occupying the property as principal residence. 
The property is the lawful Florida homestead of the borrower and borrower has provide an annual certificate to servicer on numerous occasions. Further, PHH Mortgage has arbitrarily stopped principal advances to borrower denying funds for living expenses to borrower. 
Contacting the company involves waited greater than 4 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent three 609 dispute letters to each credit reporting agencies, XXXX XXXX XXXX  Experian, starting in XX/XX/2018 XX/XX/2018 and XX/XX/2018, to verify and validate all accounts and collection accounts and inquiries, yet they fail to give the proper information stated under fcra law, example who verified name dates where the validation came from contracts with my signature on it, or any other documentation supporting these are my accounts. I sent each letter registered with returned signature, they did this up to 12 business days later, when I sent it 2 day mail. inquiries that were not verified and validated, lawyers requested these inquiries not under my authority. to my dismay, they sent back results in some cases over 30 days later which is against fcra law, anything over 30 days must be removed per fcra law. I listed on each letter to each reporting company dates names account numbers and all other important info, but yet would not give me any, documentation or other contracts with my signature on it. nor did they provide any information of who did the verification, or validation dates companys anything. under fcra they are supposed to provide all this, and nothing.i sent 1st letter to Experian on XX/XX/2018 and did not receive until XX/XX/2018, 2nd letter XX/XX/2018, and third XX/XX/2018, XXXX  1st on XX/XX/2018, 2nd XX/XX/2018, third XX/XX/2018, XXXX XXXX 1st XX/XX/2018, 2nd letter XX/XX/XXXX, third XX/XX/2018, now I have there signatures and returned info signed by them for proof, each letter contained accounts, inquiries and collections that needed to be validated and verified along with documentation to show my signature and or contracts nothing was provided on any.please if there is anything you can do, I would appreciate your help to get this straightened out. I am willing to take this to litigation and ask for damages and my time.i can provide each account and dates if wish, aprox. 6 or 7 items on each report with illegal inquiries not authorized by me.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds stating the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA )., which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), as highlighted in the CFPB 's recent administrative proceeding ( File Number : XXXX ) against them for similar violations. I request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Below are the accounts reported for inaccuracies : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After reviewing my latest credit report, I discovered accounts I believe were added without permission and are false. I request immediate action to block and remove them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be  equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Credit reporting or other personal consumer reports

Equifax credit report - XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I was not receiving my mail and a debt was sent to collections and subsequently on my credit report. I disputed the collection with XXXX, XXXX, and Equifax. XXXX and XXXX deleted the collection. Equifax did not delete the collection. I paid the debt owed, I would have paid the debt owed if I wasnt XXXX and receiving my mail. Two out of the three credit bureaus deleted the collection except Equifax. This does not follow the CARES act. I have filed two disputes with Equifax and have gotten no where with them.
Product: Checking or savings account

Bank of America is refusing to issue me a check. I went into a branch to ask for a temporary check and they refused to issue me one offering instead to make me pay for an order of checks that would take two weeks to arrive.

This is the most ridiculous situation. There are sometimes when a check is necessary. BofA issues three temporary checks when an account is opened. Apparently they don't issue any more than that.

BofA ripped off the american public to the tune of billions of dollars yet I can't get a check. 

Their customer service also totally XXXX. When did this new rule come into being.
Product: Credit reporting or other personal consumer reports

The information being reported by XXXX, Equifax and XXXX is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that all reporting of this information be blocked deleted. This request is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact but are made as it is relevant to the request to block the identified transactions as they are not information related to any transaction by I, as Agent in Fact, consumer. 
You are required to do what i am demanding, to block delete remove the transactions identified from the name XXXX XXXX XXXX consumer report immediately. There in no investigation required as it is not your right nor authority to produce such derogatory information which you are not legally authorized to produce nor distribute as has been the case repeatedly by all three agencies.
Product: Vehicle loan or lease

I ask that you please give me the chance to provide documentation to verify my statements to follow. This is probably a long shot ... I recently discovered the Reaffirmation Agreement Santander Bank Lawyers & I negotiated prior to my Bankruptcy Discharge in XXXX added an additional 2 yrs. to my Chrysler Capital car loan. My car payments have always been paid on time, even w/challenges encountered to pay {$490.00} mo. payment w/o access prior to discharge. Santander & I clearly discussed following terms : To lower my interest rate from 10.9 % to 7 % & recalculate payment to reflect 7 %. Since new payment of {$390.00} was over {$100.00} less than original loan, I trusted & understood loan was recalculated at 7 %. Instead, Santander created the Agreement w/intent to cause me financial harm & their company gain from my losses. Loan supposed to end XXXX XXXX along w/GAP Insurance. However, the purposeful intent to create this legal document ( Agreement ) & intentionally OMIT the loan extension of an additional 2 yrs., I will be w/o GAP Insurance & literally pay an additional {$9400.00} plus on top of the initial loan cost of over {$26000.00}! I now expect to be in serious financial distress as a result of Santander gaining my trust & never to expected they would cause me such harm for monetary gain for their company. My plan was to retire 6 mo. after my car loan ended in XXXX XXXX. I have worked for the XXXX since XXXX as a XXXX, currently for the XXXX XXXX on XXXX XXXX. I am very unsure of my future as a result of their intentional financial abuse. Again, my car payment history is outstanding despite the XXXX Bankruptcy filing. I hope this type of abuse is placed in the Bankruptcy Abuse Protection Act. I know I must sound like an XXXX to have this happen to me. I just don't understand why I am unable to obtain assistance. Yes, we both signed the Reaffirmation Agreement. This document is false yet it was filed in the NJ Bankruptcy Court in XXXX, NJ. Thank you for your time.
Product: Credit reporting or other personal consumer reports

Upon investigation of my credit I was sent into a spiral on panic and anxiety. I found unverified inquiries and a number of unverified accounts being wrongly reported. I find the actions of the agency questionable since it is their responsibility to ensure the accuracy of the information that they report. This is having grave effects on my life and I need it fixed.
Product: Credit reporting

I tried to get my credit report and it tells me my information does not match what 's on file.
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.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 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 disputes. Furthermore, XXXX 's 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 proceeding ( 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 the necessary proof of investigation. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I initially entered a Bank of America branch on XXXX XXXX to apply for a home loan. I spoke with XXXX XXXX, gave him some documentation. He promised he would get back with me the following Monday. He blew it off. I contacted XXXX XXXX at Bank of Americato assist in completing the mortgage. He frequently ignored my calls at XXXX point I had notheard from him in 11 days. On XXXX XXXX I received a letter stating Bank of America promised XXXX back if they did not close witjhin 30 days. It has been 3 months.
Product: Debt collection

I cut service off with a company ( XXXX XXXX ) XX/XX/XXXX. That same company sent a delivery to my office XX/XX/XXXX without approval. They claim my admin. assistant authorized the purchase. Per our company policy, assistants do n't have purchasing power with any vendors. They sent subsequent billing statements, and I repeatedly informed them I had no use for their product. Ultimately they sent me to a collection agency. We tried to reach an agreeable resolution, but that never happened. They would not comply and then turned my account over to collections.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX I received a letter in the mail saying I owe XXXX for an apartment Ive never stayed in or rented. They said I live in a apartment in XXXX ga from XXXX XXXX til end of XXXX! When I purchased a home in XXXX XXXX. I went to apartment complex and the lady also Stayed I was not who. She rented to and I submitted my information to them and they refused to remove it off my credit report and I have debt collection calling for this bill!
Product: Credit reporting or other personal consumer reports

I saw a eviction collection on my credit report, I reached out to Experian and at the time I placed a fraud alert, and I explained to the credit bureau informing them that someone had used my identity to rent or obtain a apartment without my consent or knowledge using my identity
Product: Mortgage

I had damage from Hurricane Ida. Rocket Mortgage has been horrible to deal with. My claim check was for {$64000.00}. Since the claim amount was over {$50000.00}, the check had to be made payable to both me and my mortgage, Rocket Mortgage. This whole process has been one ordeal after another. They kept my initial draw of {$50000.00} for almost a month refusing to direct deposit the funds into my checking account. I would call every week and was told a different excuse each time... ..they were short handed due to COVID and each time I called, the time frame for us to receive the check kept getting longer and longer ; my funds were sitting in my escrow account because a case worker had not been assigned. We are 75 % complete on the repairs and had to send photos via an online app. My balance they withheld from me is {$14000.00}. I have invoices for {$5000.00} for flooring and {$9000.00} for fencing. I tried to explain to the rep at Rocket Mortgage that I need the total of the balance to pay the contractors in order for them to start the work. They are only sending me a check for {$7400.00} and advised once the repairs are done 100 % they will send the balance withheld. I tried explaining to them that in order for me to complete the repairs at 100 %, I need the remaining balance. I also requested interest be paid on the balance as they withheld my money for 4 months.
Product: Credit reporting

I have contacted Transunion on four different occasions in regards to accounts being reported on my credit file. The accounts are XXXX {$1700.00}, After properly disputing this account four times i received a letter from transunion stating that i needed to contact the collection company, and that the account had been verified and will stay on my credit report. I have contacted the collection company and they responded with a letter stating that they have already verified these accounts and sent a billing statement. I have NEVER received any verification from this company and i sent Transunion the letter i received. Transunion still refuses to remove this account from my file even after getting proof that the account can not be verified.As per the FCRA verification of accounts must include contract or original signature, in which this company XXXX has not provided either one. Billing summaries ARE NOT considered to be valid verification of accounts. Transunion has not sent me information in regards to how they have verified this account and this is against the FCRA. I have the right to request information that is being reported in my credit file, and the right to receive documentation on how these accounts were verified. Neither documentation has been sent to me and that is a violation. FCRA 611:6b Notice of reinvestigations states that i SHOULD receive a notice of investigation, and that a description of the procedure used to determine the accuracy and completeness of the information shall be provided to me. I have not received any of this information which leads to me to believe that Transunion is willfully withholding information in my credit file from me. This is my last and final attempt to resolve these issues before i contact the FTC and Attorney General 's office. I have been completly ignored by this company and my disputes has gone unverified.
Product: Payday loan, title loan, or personal loan

For the past two months I've been trying to pay off my loan and the links to pay off the loan don't work. Notice in the attached video that all other links work just fine. I want to pay off my loan early to reduce the amount of interest owed and I think this additional barrier to pay off loans early might have some customers decide not to choose the option and the company can make more money with longer terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the evening of XX/XX/23 I filled out a prequalify for auto financing with XXXX XXXX XXXX. The site specifically states NO IMPACT TO YOUR CREDIT SCORE meaning they do a soft inquiry. Next thing I know the morning of XX/XX/23 I get an alert that a dealership who I have never heard of or spoken to called XXXX XXXX pulled my credit and I got a hard inquiry which dropped my score. I gave NO authorization for this and told them to remove it but I am doubting they will do that so I am escalating it and if they still dont remove it I will be filing suit for their deceptive and fraudulent practices.. I did not agree to have my credit pulled let alone by a dealer I have never even heard of or spoken to.
Product: Credit reporting

I sent a fax and police report to Chex Systems last month informing Chex Systems that I 'm a victim of identity theft and someone stole my personal information to open the following checking account with XXXX XXXX XXXX # : XXXX. The checking account is fraudulent, unauthorized and do n't belong to me. I have never open or had a checking account with XXXX XXXX XXXX.