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

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and two other other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has XXXX names on my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX & re-age. The account on transunion. & XXXX just got XXXX XXXX XXXX days & date closed wrong & last active & last payment no good payment history its hurting my score & re opening accounts are illegal & XXXX XXXX  is showing i have no late payments but i have XXXX XXXX XXXX days late different bureaus & account type doesnt show for XXXX bureau dates last active are wrong. Please delete these accounts i dont want any problems with this please
Product: Mortgage

A new company has taken over my mortage. They have requested an increase of over {$200.00} a month to take care of what they say is an escrow shortage. Have been faithfully paying off my mortgage for almost 25 years and have never seen an increase over {$20.00} a month let alone {$220.00} a month. I have emailed a request of a history of my escrow from whoever has taken over my mortgage from OceanFirst bank, have called OceanFirst bank. Have yet to receive any explanation in the two weeks since I stumbled on this change. I say stumbled on because I did not even get a mailing saying this change was occuring until XXXX XXXX. My mortgage is due XX/XX/XXXX.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXXXXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX on XXXX under the account number ( private ), and a collections account opened at XXXX XXXX XXXX on XXXX with a balance of XXXX  ( private ) These accounts have resulted in several fraudulent collections appearing in my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the accounts or collections as reported. The accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections, are the result of identity theft and fraud.
Product: Debt collection

There was a lien put on my cash app that isn't a business account for a bill that was supposedly for my business. I've been asking cash app for 2 weeks for a copy of it and they have not helped.
Product: Credit reporting or other personal consumer reports

I checked my credit profile and found some credit card accounts and inquiries that can't in no way be verified and information that is not 100 % accurate these items are not being reported as 100 % correct! I Now know that this is against the laws that protect me and other consumers alike to report any information, data, credit cards, or inquiries that have not been showing to be 100 % accurate. Inside The fair credit reporting act it say that every single thing on my credit must be 100 % accurate under 15 USC Code 1681e ( b ) and 15 USC 1681i ( 5 ) these fraudulent collections on my credit report is a huge violation of not reporting a account 100 % accurately for these violations I can sue Experian for {$4000.00} in federal court and I can sue XXXX for {$4000.00} in federal court which is {$1000.00} per violation!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car accident in the middle of XXXX. The insurance company totaled the car out and had some issues with making a payment out to Foursight Capital. I contacted them and made them aware of the accident after they threatened to repossess the car. I communicated with both the insurance company and the lien holder to make sure Foursight got their payment. I let them know it would 7-10 business days to receive their payment. I sent them proof, and on XX/XX/XXXX they gave an extension to my account. On XX/XX/XXXX, they put a repossession on my credit and classified my account as a charge-off. They received their payment on XX/XX/XXXX, as promised. Now I can not buy a new car without a massive down-payment and crazy interest rates, and have been paying out of pocket for a rental ; because of the repossession/charge-off on my credit.
Product: Checking or savings account

I reported to Navy Federal Credit Union on XX/XX/2020 that there had been money transferred out of my account without my knowledge. I informed them of all the information i had, including the person who did the transfers, how she was able to hack into my account, as well as where a large portion of the money was that the company could have frozen at the time till they investigated my claim. From information i gathered on my own because the financial institution would not give me any information, they allowed a large cashiers check to be cashed that was a portion of my money that had been stolen and did not freeze the other persons account until 5 days after my complaint was given. I was told that it could take ten days to complete the investigation and i would be notified after that time of what would happen. The 10th day was yesterday XX/XX/2020. I checked my account today and there was no message for me and there was also no money put back into my account. I called the bank today, XX/XX/2020, and spoke with 2 individuals within the securities department at the bank whom handle the issues and they told me that the investigation had not been completed yet and they could not tell me anything else other then that they would message a supervisor who would contact me within 24 hours. Federal Regulation E states that a financial institution has 10 business days to complete an investigation as long as they are informed in a timely manner, which they were. It also states that if they are unable to complete it within that timeframe that they can extend it to 45 days given they provide a provisional credit in the full amount errored on the account. Non of these things are being done leaving me and my children penniless. please do something to get them moving on this. thanks
Product: Credit card

On XX/XX/2024, American Express notified me of changes to my XXXX XXXX XXXX XXXX account ( ending XXXX ). The credit limit was reduced to {$6700.00}, and a Preset Spending Limit of {$7400.00} was imposed. The reason given was that the average of my recent payments, in relation to the balances on my American Express accounts, was considered too low. 

These changes have significantly restricted my ability to use the card for business expenses, despite my consistent efforts to maintain all accounts in good standing. Additionally, the imposed spending limit and reduced credit line have added unnecessary financial stress, as payments I have already made were not acknowledged in the evaluation.

American Expresss actions across multiple accounts, using similar adverse measures, appear to be coercive efforts to extract additional payments beyond what I had already tendered. I request a review and reversal of these changes to restore the original terms of my account.
Product: Credit card or prepaid card

I unfroze my credit to allow my local bank to run a credit check for a mortgage. In a period of less than XXXX hours someone else ran a credit inquiry for a credit card which I did not approve or apply for.
Product: Credit reporting or other personal consumer reports

I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. 

To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable.

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law.

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report.

An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX
Product: Credit card

I open a credit card with capital one. The credit is {$500.00} and I have been keeping up with the payments. I payed off most of the fees leaving me with {$200.00} balance. After failing to make the next payment my fees increased. I made a payment of {$50.00} which is what I had I was not able to pay anymore at the moment. I woke up the next day and the company charged my account {$40.00} in past due fee. I asked for this charge to removed and the company did not comply.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Additionally Experian has taken more than 30 days to investigate as per FCRA and should immediately remove the items below. Please see items below ACCOUNTS XXXX XXXX XXXX NEVER LATE XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX INQUIRIES XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX
Product: Debt collection

American First Finance is reporting a charge-off of {$2900.00} on my credit report. However, there are significant issues with their handling of this account : 1. Failure to Provide Supporting Documentation : Despite multiple requests, American First Finance has not provided any documentation to validate the reported charge-off amount.

They have not issued a 1099-C form for the canceled debt, which is required if they reported the charge-off amount as forgiven or canceled.

They have not provided any statements or breakdowns showing how the charge-off amount was calculated.

2. Inconsistent and Incomplete Reporting : The amount reported on my credit report lacks transparency, and they have not provided any explanation for discrepancies when I requested additional information.

3. Negative Impact on Credit Report : The inaccurate reporting of this charge-off has negatively impacted my ability to secure credit or loans. The lack of documentation and clarity has made it impossible for me to address or resolve this issue effectively.
Product: Credit reporting or other personal consumer reports

I am writing to address the inaccurate reporting of my student loans on my credit report. My student loan debt has been fully discharged through the Borrower Defense Act as of XX/XX/2023. Federal Student Aid confirms that I have a {$0.00} balance on all six loans.

Upon discovering this discrepancy, I reached 
out to the loan servicer to inform them of the discharged status of my loans. However, they directed me back to Federal Student Aid, stating that they should reflect the same status. Subsequently, I initiated a dispute both with Federal Student Aid and the credit bureaus.

Despite following the proper dispute procedures and waiting the allotted 30 days, only three out of the six loans were removed from my credit report. I have made multiple attempts to contact XXXX XXXX without success.

Given that Federal Student Aid acknowledges that I no longer owe these loans, it is unjustifiable to continue damaging my credit by reporting them. I urge you to take immediate action to remove these erroneous and illegal accounts from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing this rebuttal to XXXX XXXX ' response to my initial complaint regarding the inaccurate and unauthorized reporting of XXXX XXXX accounts on my credit report. XXXX cited my Master Promissory Note ( MPN ) as their basis for reporting, but this does not exempt them from compliance with the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). They failed to provide documented proof that I authorized the release of my personally identifiable information to credit reporting agencies. I request a full investigation and immediate removal of the disputed accounts due to non-compliance with federal laws.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my phone and XXXX XXXX card was stolen. I originally thought when I first called chase it was taken while I was getting my tires changed. I gave them a police report and everything. I called them while the charges were still pending because my account was in the negative from me paying my bills that didnt show until Monday morning and I was told to wait until the fraud charges are not pending to see if they will bounce the charges back which was weird. Well I waited and they let the fraud charges go through and bounced back my bills ( car note / insurance/ registration ) and left me with nothing. I later found out it was actually my old room mate that stole my information and my phone after I tracked my phone to the apartment trash cans and we naturally got into a heated argument which the police broke up and told her she needed to leave. They asked me if I wanted to press charges and I told them I just want her gone. I only said that because I believed when I called chase back and told them they would have empathy and at least give me some if not all my money back however they then went to blame XXXX XXXX ( which is what she used to steal from me ). So I called XXXX XXXX and XXXX XXXX said they could not refund the money because chase let them go through. So I was highly upset because I called chase the Monday morning ( XX/XX/2023 ) as I said before before the cleared. XXXX XXXX told me they could of cleared it up if chase would have denied the charges however because they didnt they couldnt do anything. So I called chase back and they told me I needed to send proof of what happened however they didnt tell me what proof they needed. I had to talk to a manager and they said I needed an new police approved police report which I did not have since I elected it not to press charges. I tried to go to the police station however it was too late and I didnt remember the officers names so they could not ask them about it. At this point I was incredibly frustrated and just gave up until my mother told me to reach out here. So Im praying this will help. I have more information and even a letter they sent me on accident which shows how they had it the system claiming I only disputed XXXX dollars and they denied it because I didnt make a claim for the other XXXX. I only made one claim in the amount of XXXX. They denied they sent the letter however it came with the other papers saying why they denied me. Ive never had an issue like this. I see a lot of people have issues like this with chase. Please help.
Product: Credit reporting or other personal consumer reports

FCRA 605B likely requires us to eliminate any inaccurate accounts from my credit report. Could you look over the documents? Some of the accounts listed show errors in their reporting, amounts, and dates.
Product: Mortgage

Amerisave I am XXXX year old XXXX person-husband XXXX We need to refi our home. 
Loan person XXXX XXXX ( Phone XXXX ) Informed me that before he could lock the rate ( 2-2- good for seniors 2 believe ) Well he truly got me Paid {$500.00} on XX/XX/2020 -Pulled Credit Report lost 7 points After the document came in XXXX XXXX would not answer my questions on locking the rate! 
He told me that his manager would be calling me on the rate I honestly kept asking why is only Floating is showing. Customer Beware of this unjust action!! 
Trying calling again after I called by personal bank. Why {$500.00} they ask My phone & email show that have no interest in you only collecting {$500.00} and then a Denial I truly feel we were totally Bamboozled-Scammed-Unjust- Along with very misleading prospective customers-Very shady? illegal practice. 
We are living off my social & husband retirement trying to save our property and to do this to people is so so wrong. This company is headed for Lawsuit!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record on XXXX XXXX which shows a public record. It does NOT describe the record, except it shows the institution who filed the record is the XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. It is recorded at {$0.00} and dated XX/XX/2010. I wish to have removed based on time and payments.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found a late payment on the date below : *XXXX  2015 I am not sure how this happened. I believed that I had made my payment to you when I received my  statement. My only thought is that my monthly statement did not get to me.