23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

According to the FCRA derogatory or negative items over 7 years old are to be removed from the credit reports. The listing with XXXX Acct # XXXX with an original credit limit of {$12000.00} & XXXX Acct # XXXX with original credit limit of {$29000.00} should have been removed from my credit report on XXXX of XXXX. I submitted dispute letters to the credit bureaus and directly with XXXX on multiple occasions and XXXX continues to verify the inaccurate items. 
For the XXXX listing with a credit limit of {$12000.00} according to my Equifax report dated XXXX/XXXX/XXXX this listing shows that the first date of continuous delinquency was XXXX of XXXX. This item should have been removed from my credit report 7 years from that date ; by XXXX XXXX. It 's now been over 8 months and this continues to report on my file despite that it 's been over 7 years. Furthermore, by XXXX reaging this item clearly violated my consumer rights per the FCRA. In my dispute letter I included a print screen showing how they reported the item in XXXX and how they have re-aged it and are inaccurately reporting still. 
For the XXXX listing with a credit limit of {$29000.00} ; according to my XXXX report this item should no longer be on my file. The first date of continuous delinquency that they are reporting of XXXX XXXX is not accurate. The date of continuous delinquency should have been XXXX of XXXX not XXXX of XXXX. This loan was not deferred therefore according to my contract with XXXX payments would have been due 6 months from the date that I was no longer enrolled in school as such my first date of continuous delinquency should have started on XXXX of XXXX. This item is over 7 years old and should have been removed from my file in XXXX of XXXX. The calculations of these dates, account history and reportability is not accurate. In my dispute I included a print screen showing the inaccurate items that they are reporting. XXXX has deliberately damaged my credit and are negligently continuing to do so at the detriment to my family. I 've been turned down for credit and my good name has been tarnished.
Product: Debt collection

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
XXXX XXXX  ( ACCOUNT # XXXX ) I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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.

Also 15 USC 1692c ( a ) without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection of any debt
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent items that have appeared on my credit report. These fraudulent entries are causing significant damage to my creditworthiness and financial standing, and despite repeated attempts to rectify the situation, they have not been promptly addressed. 

The fraudulent items in question, which include [ describe the items in detail, providing any relevant account numbers or reference numbers ], have been inaccurately attributed to my credit history. I have provided extensive evidence demonstrating that these items are the result of fraudulent activity and should be removed immediately. 

Despite submitting multiple disputes and providing all required documentation to support my claims, these fraudulent entries persist on my credit report. This has had a detrimental impact on my ability to obtain credit, secure favorable interest rates, and make important financial decisions. 

I urgently request that you take immediate action to investigate and remove these fraudulent items from my credit report. It is crucial that my credit history accurately reflects my financial responsibility and is free from any fraudulent activity that could harm my reputation and financial well-being. 

Additionally, I request transparent and timely communication throughout the resolution process, including regular updates on the progress of the investigation and the actions being taken to address this issue. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to seek legal recourse and escalate this matter to the appropriate regulatory authorities. I trust that you understand the urgency of this matter and will take swift action to rectify it without further delay. I am asking for your assisstance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

In XXXXXXXX XXXX XXXX I attempted to pay XXXX of my student loans in full. I utilized the payoff amount listed on the website and submitted payment in full and as directed according to MOHELA 's instructions. Approximately {$800.00} of the funds were directed towards what MOHELA designated as unpaid interest. However, my loans were in administrative forbearance due to their inability to service the student loan accounts at that time and were not actively accruing interest. In addition, I had made ALL loan payments on time and had even made an additional payment in XX/XX/2023 while my accounts were in forbearance. Mohela has since switched platforms but refuses to provide any documentation of said unpaid interest. Since this time, the loan I attempted to paid off continues to accrue interest while they have it on " hold ''. In addition, I have tried to sign up for automatic payments in order to receive a slight interest rate reduction. After several months, this has still not been processed. I have reached out XXXX additional times with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A DIRECT RESULT OF IDENTITY THEFT. I HAVE TAKEN THE PROPER STEPS AS REQUIRED BY THE FEDERAL TRADE COMMISSION AND COMPLETED A SWORN AFFIDAVIT FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX a full time college student and had gone out of the country for school breaks and couldnt come back in time because I tested positive for XXXX while I was out of school. As a result, I missed my credit cards payments with Bank of America and XXXX XXXX. I also missed a balance assist loan payment with Bank of America. I could not contact them because I was out of the country and not feeling well due to XXXX. 
I recently got back to school and contacted them via phone to explain the situation and kindly asking them to remove the late payments on my file. I assured them that I plan to repay my loans in 4 days time. However, they said they could not remove the late payment reported to the credit beuareus. My credit score has been heavily hit by those late payment reports. So Im trying to kindly get the late payment reports removed from my credit score. 

Im attaching a screenshot of an email send by the provost of my college to all my professors excusing me from moving back on campus during the time I had XXXX and out of the country.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I requested a review from the Credit Bureau ( Experian ) that they review and remove the bankruptcy on my file. I was told from the attorney that I used that it would come off in 7 years. I contacted the NC bankruptcy court and the lady that I talked with there told me the same thing that it should come off. When the Credit Bureau talked to them they told them something completely different and that it should remain on my file.

I feel that they are telling me one thing and doing the opposite.
Product: Credit reporting, credit repair services, or other personal consumer reports

For a couple years now, XXXX is the only report I can get on annualcreditreport, com. Equifax always errors out, and XXXX always displays a vague message saying something like, " a condition exists that is preventing your report from being available. '' Somehow, XXXX is completely reliable, while Equifax and XXXX are not at all. It has been years since I have been able to see my report from either company. But as far as I know, there is nothing unusual about my credit situation. 

I know I could write through snail mail for the reports, but annualcreditreport, com was supposed to make the process easier.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this complaint to let you know that I was a victim of identity theft. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with XXXX XXXX XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Please take the following items away : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
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 and 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: Credit reporting or other personal consumer reports

To : CFPB, I am filing a complaint against Equifax for failing to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ). In XXXX and XXXX, I disputed multiple inaccurate items directly with Equifax. Despite my efforts, Equifax failed to provide adequate details about how these accounts were verified. The results of my disputes were vague and did not clearly reference the specific accounts in question, making it impossible to determine which accounts were being addressed. 
Equifax 's lack of transparency and failure to provide sufficient information aligns with the systemic issues recently highlighted in the CFPB 's enforcement actions against credit reporting agencies. This ongoing failure has caused harm to my credit standing and violates my rights as a consumer under federal law. 
I am requesting the disputed accounts are removed from my credit report, as Equifax 's actionsor lack thereofare not in compliance with FCRA requirements. I have attached supporting documentation, including the dispute results I received from Equifax, which illustrate their inadequate responses.
Product: Checking or savings account

Hi CFPB, I opened a business checking account with HSBC on XX/XX/2019, which came with a promotional offer where I would receive {$250.00} after maintaining {$5000.00} for 120 days and logging into the HSBCNet website within 30 days. I had performed both of these tasks yet do not see the bonus posted to my account. I would appreciate if you could look into this and inform HSBC that {$250.00} is to be posted to my account. 

Thank you
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Payday loan, title loan, or personal loan

Hi, My name is XXXX XXXX. I have a bill with One Main Financial. I have been receiving harassing phone calls 3 or 4 times a day with the manager XXXX. I have explained to her the we were going through difficult times because we had to overpay the government {$800.00} a month. We had stop making payments at one time. We worked it out, I started back making {$800.00} payments to one main even though we are still struggling. She keeps calling 3 or 4 times a day even after I made the payments. One main is in XXXX, TN. The number is XXXX. I want it to stop or Im taking further action. 
Thank you
Product: Credit reporting or other personal consumer reports

During a review of my credit report a few months ago, I found mistakes related to the LVNV FUNDING LLC account ( XXXX ). This violates my rights. I have challenged these errors with the three credit bureaus and the collector, but the responses were generic. Therefore, I am filing this complaint based on my research. The company is violating sections of 15 USC.

15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against XXXX for failing to properiy 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 the account is accurate, without providing any evidence of a ihorough 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. this company XXXX XXXX reporting three accounts please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. N/A XXXX   : XXXX  N/A XXXX  : XXXX, XXXX  Transunion:XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX XXXX : XXXX  Transunion : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX   : XXXX  Transunion : XXXX, XXXX XXXX XXXX : XXXX Transunion : XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my bank account (XXXX XXXX) was compromised, so I contacted Coinbase about it. As the result, they have frozen my account for the period of 4+ months. They have charged my bank card on file automatically for $XXXX (causing overdraft fees and depleting my account) and also frozen the Coinbase account with funds in it.I have spent 5 months contacting Coinbase. I have spent 50+ hours of call time, e-mailing (Coinbase was e-mailed more than 200 times). Nobody has ever resolved my issue.At one point, I was told that I will not be allowed to use the site, then I was issued an apology and told they will soon refund all the funds and unlock my account. Now, there is absolute radio silence.As of today, XX/XX/XXXX, I still do not have access to my account or funds.I am beyond upset and broken.
Product: Money transfer, virtual currency, or money service

I transferred {$3000.00} on XX/XX/XXXX worth of funds to my Cryto.com account to make more investments in my crypto or XXXX account and certain individuals from the company are giving me the run around saying to do this do that and the funds will be there... I did everything they asked me to do and nothing is showing... I saw that their have been many complaints from customers who have experienced the same thing ... I don't know what to do at this point ... can you let me know what to do from here... thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my information was sold. I applied for a mortgage with my XXXX XXXX XXXX XXXX on the XX/XX/XXXX. Approximately 1hr after. I started getting flooded with emails, texts, phone calls, then eventually, paper mail. It's still going on over 2 months later. During underwriting, XXXX XXXX provided me a copy of my 3 bureau credit report and asked me to explain the inquiries. Since my application with XXXX XXXX on XX/XX/XXXX, there were at least 12-15 inquiries on my report on all 3 bureaus. I applied at XXXX XXXX on XX/XX/XXXX. That's it. All inquiries afterwards, are fraudulent. I contacted all 3 bureaus, I was told to file a police report. Also their is a inquiry with XXXX on XX/XX/XXXX I did not authorize. I spoke with XXXX, they said they will have it removed. It's still there.
Product: Checking or savings account

I was scammed out of {$1700.00}. Money was sent through XXXX and XXXX and M & T bank was not helpful or successful in returning me my money. On XX/XX/XXXX I tried to XXXX XXXX XXXX XXXX for {$200.00}. The shipping company seemed legit with its shipping information. After that I kept receiving a problem in shipping in which I was required to send money I was deceived into sending up to {$1500.00} in fees for something that I never received. I called M & t bank to notify them of the fraud/scam on XX/XX/XXXX and opened a case. On XX/XX/XXXX I sent screenshots of the conversation to prove that I was tricked into send money for something that wasnt real. I opened a dispute claim case with M & T and it was denied on XX/XX/XXXX. I was promised by M & T that I would get a provisional credit and they would investigate the scam/fraud dispute. I was helpful every step of the way with giving information and context of what happened. Under Regulation E I qualify to recieve a chargeback for funds that were taken from me from a scam or fraud. Even though M & T abides by the federal regulations and is a member of FDIC they were not helpful with providing me my money back.
Product: Checking or savings account

Sofi Bank put a restriction on my account on XX/XX/XXXX and on XX/XX/XXXX they sent me a false email stating that i could now use the account. They are holding my money XXXX for no reason and ive been calling every day with no resolution and no time frame of when they would " finish their investigation ''. Meanwhile I have bills to pay and they dont care. These are the letters they have sent me : " XX/XX/XXXX Dear XXXX, At SoFi, your account safety is our top priority. We are reaching out to let you know that we recently noticed irregular activity on your SoFi bank account. 
For your protection, your account has been temporarily restricted while our team investigates the nature of the activity. We apologize for the inconvenience, but during this time you will not be able to complete any withdrawal activity on your account, transfer funds, or use your debit card. 
Please reach out to us as soon as possible to review your account. You can contact us XXXX, press XXXX ', or say 'security ' to connect with the SoFi Member Security Team .

We appreciate your immediate attention to this matter to help us resolve this issue quickly. If you have already been in touch with us about this restriction, thank you, and please disregard this message. 
Best, The SoFi Bank Team '' " XX/XX/XXXX Dear XXXX, The temporary restriction on your SoFi bank account has been lifted, and all functionality has been restored. We apologize for any inconvenience this may have caused. Thank you for being a SoFi member.

Best, The SoFi Bank Team ''