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

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX XXXX XXXX XXXX Update to Open/Never late. 

2. there is some inaccurate information reporting XXXX XXXX XXXX XXXX XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

5. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This concerns an old XXXX XXXX XXXX XXXX credit card account that was a charge off. XXXX XXXX contracted with XXXX XXXX, a third party collections agency, in XX/XX/XXXX to collect payment on this account on behalf of XXXX. XXXX retained ownership of the account and the third party collector worked on commission and did not report to the credit bureaus. In XX/XX/XXXX I paid off the above-referenced account. Since the payoff, I have made two disputes regarding the balance for this account with the credit bureaus and XXXX. The major credit bureaus are reporting that XXXX is verifying the account as having a roughly {$7000.00} balance when in fact it should be XXXX. XXXX XXXX confirms the account has been paid off, but claims XXXX hasnt checked with them at all about the disputed balance. Had XXXX contacted XXXX XXXX about the disputed account, as they arguably have a duty to do, then they would have discovered the balance has been collected in full by their agent ( XXXX XXXX )
Product: Mortgage

My name is XXXX XXXX XXXX # XXXX XXXX. I refinanced a mortgage through eMortgage LLC based out of XXXX MI. when i started my loan they told me that they would take care of the appraisal cost of my loan. On closing day my loan officer told me that he would have his company write a check the following Monday. He said this after I question why the appraisal cost was still on the loan documents. I asked if there was anything I needed to do to remind him or to make sure it happened that Monday. He said no. I waited over a week and asked him if they had sent the check and he said no, because they hadn't been paid for closing the loan yet. I waited a few weeks later and he pretty much ignored my texts and calls. finally I reached out by text informing him that I would be filling a formal complaint with Consumer Finance and XXXX if he didn't make it right. He reached out immediately saying give me a little time. He said he would probably have to pay for it out of his pocket once he got paid and his supervisor did not want to pay it now. He said he got paid on the XX/XX/XXXX. I asked that he reach out to me on or before that date to let me know if his intentions were still good. He said he would, but due to this complaint he has not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Equifax Recently i did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. 

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 


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

XXXX, XXXX, and TransUnion are allowing XXXX XXXX of XXXX XXXX XXXX, UT XXXX and XXXX of XXXX, DE XXXX to have been making attempts to collect a debt which has not been validated ( 15 USC 1692q ), I have not given consent to furnish any information on my credit reports ( 15 USC 1681a2 ), as well as reporting inaccurate information puts them in violation of 15 USC 1681i ( 5 ). I would like communication from these companies to cease and desist, and I would like this inaccurate information removed from all of my 3 credit reports immediately.
Product: Credit card

I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.
Product: Checking or savings account

On XX/XX/23 I filed a claim dispute through Bank of America from merchant XXXX in the amount of {$5300.00}. It's been more than 90 days and the claim has yet to be resolved. It's now XX/XX/XXXX, and I've been getting nothing but a run around to nowhere. Bank of America refuses to resolve the claim and credit the funds into my account. Now my account is overdrawn, and if funds are not deposited in a timely manner, the account will be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the Credit Bureau and the company to do a credit search and I did a complete search as well for the inconsistencies. 

Account Name : XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 a states I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally request the removal of outdated personal information from my credit report. I have noticed that my credit report contains old names, phone numbers, and addresses that are no longer relevant or accurate, and their presence on my credit report may lead to confusion or inaccuracies.

Below, I have outlined the outdated personal information that I would like to have removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PERSONAL STATEMENTS XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX. 
I believe that the presence of these outdated personal details is unnecessary and may lead to inaccuracies in my credit profile. Removing them will help ensure the accuracy and clarity of my credit report, which is essential for my financial well-being.

I kindly request that you initiate the process of removing the aforementioned outdated personal information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I understand that the FCRA requires credit reporting agencies to maintain accurate and up-to-date consumer information. 

I appreciate your prompt attention to this matter and kindly request confirmation of the actions taken to remove the outdated personal information from my credit report within the timeframes specified by the FCRA.
Product: Checking or savings account

Hello, I tried to open a CD account with capital one bank. They have been holding my money since I made the deposit. I was told they needed to verify my information and I had all the information that they needed to verify that my money is legit I am guessing. Once the rep saw my i.d . and obviously didn't like what they saw, they decided to close down my account. Will not refund me my money and the last time I called they gave me a number to a voicemail that never returned my calls. I have yet to receive my funds and they are not giving me any information other than they don't know.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have persistently tried to rectify an unauthorized account linked to XXXX XXXX on my credit report over several months. Despite my numerous communications through phone calls and letters the issue remains unresolved. This erroneous account has substantially affected my credit score, hindering my ability to purchase a home. 

It's distressing to feel disregarded by such a large institution. I now turn to the CFPB, hoping they can address this significant oversight, as my efforts with XXXXXXXX XXXX  have been met with silence. Their seeming indifference to such a crucial error is alarming, and I believe the CFPB may be my last resort to rectify this situation.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against the following debt collectors for failing to provide proper validation of the debts they are attempting to collect, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/XXXX, I sent debt validation requests to the companies listed below, requesting proof that these debts are valid and belong to me. To date, I have received no response, nor any validation of these debts, yet they remain on my credit reports. The debts in question are : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$130.00} Midland Credit Management XXXX. Opened XX/XX/XXXX {$890.00} XXXX  Opened XX/XX/XXXX {$2300.00}
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting acct XXXX XXXX  has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft and dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I do not owe Adstra recovery, Adstra recovery will not validate the debt, I have asked for the last 3 years, I have disputed with XXXX, they have come back that is is accurate, I asked XXXX to provide me the information that was given to them and they have not provided the information, I have also asked Adstra recovery to provide me the information, Adstra recovery has never provided any business or service to me, but they want to get money out of me, this is Fraud. 

Do I have to hire an attorney or a Credit repair company to remove this, if I do that it would be removed immediately, why is that? So is XXXX working with Adstra? 

Per the FDCPA Adstra recovery and XXXX are in violation Also just attempted to speak with a supervisor ( XXXX ) from XXXX, he was rude and said they would not remove it and I asked to explain to provide me with the info and he would not
Product: Credit reporting, credit repair services, or other personal consumer reports

Rise Credit is fraudulently reporting my account as a collection charge off to the credit bureaus. I have asked for proof from both the credit reporting bureaus and the furnisher of the reported information. Not only have my request been met with zero proof, the time frame far exceeded the FTC investigation times. I have asked that this item be removed from my report as it is not verified nor, factual. Nothing has been done regarding this matter ( disputed 6 months ago )
Product: Debt collection

P & B is contacting me currently with very vague threats intentionally to intimidate me into settling a debt. I received a text from XXXX that states exactly " XXXX XXXX today 's status change to your account has directionally intensified. To rectify call P & B today. XXXX file # XXXX Stop to Stop '' I do believe that it's been completely clear for a very long time that this is unethical and therefore an illegal practice to use to attempt to collect a debt. I feel that I should report it to help others that they may be using illegal and threatening collection tactics against.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} MID FL XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$85.00}
Product: Credit card or prepaid card

I have interest free promotional purchases on my Care Credit account. Every month I have difficulty paying those promotions off because my payments arent being allocated correctly. I have to call or virtually chat with a representative at least 3 to 4 times after each payment to get it fixed. Each representative tells me that theyve allocated my payment as requested only to not have done so. I know that this is a tactic used by Care Credit in hopes that the consumer wont pay off the promotional purchase and they can charge interest. I make most of my payments online and then immediately contact them to allocate the payments. I have even tried making payments directly over the phone in hopes that my payments would be allocated correctly without having to contact th multiple times. That did not help either.
Product: Credit reporting or other personal consumer reports

This is my numerous 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$690.00} ; XXXX XXXX XXXX XXXX XXXX {$830.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishings, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

need original contract singed copy
Product: Payday loan, title loan, personal loan, or advance loan

Affirm Holdings Inc. 

Ran my background and first told me I was denied from using their platform. A firm but I was approved through XXXX  in which Affirm told me I already had an account with them, but they they couldnt verify the information I have since multiple emails over the past eight months and still have a hard time accessing my account. All Communications have been via email And yet I am still being told that I do not have an account when I make payments for multiple items that Ive purchased through this company through their pay process. Im also being told to the information on my account does not match when on the app and in the email it has been confirmed. 
There is no way that I should have access to my XXXX account and my firm account when XXXX  is partnered with affirm. Affirm Still has not provided me with A solution as to how to fix and access my account yet they take my money and Constantly request for my Social Security number. 

Its even a hassle to go through and have the account closed. Affirm has to do better with their their website, their products and even their customer service.