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

Equifax has XXXX  up my acccount since the data breach. I have not been able to access my account even though I have filled out and submitted their form to prove my identity several years ago. I am trying to do a VAIRRL refinance on my existing VA mortgage. The VA requires that the bank have access to all three credit bureaus. Since I can't give them access ( all three are frozen ) they can not process the loan. I have tried for years to straighten out this problem to no avail.
Product: Credit reporting or other personal consumer reports

I have not initiated any transaction with any of these companies as listed : XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX. XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX  PA XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA, XXXX XXXX. XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX AZ, XXXX Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any of these companies for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

Secondly, 15 U.S.C 1681 ( i ) 7 states that A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

I am demanding an expedited reinvestigation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with Equifax, I received my credit report and noticed some inaccurate information, I immediately called them to have it removed, the rep was rude and incapable of helping me. I wanted to get inquires off and some accounts I was not aware of.
Product: Debt collection

On XX/XX/2020, I disputed medical bills from National Recovery showing on all 3 of my credit reports. They came back to me as verified. On XX/XX/2020, I wrote to National Recovery requesting how they verified these accounts as mine, specifically asking for the document showing my signature for service and asked them for the HIPAA release as well, as you can see on the attached documents, they received specific treatment information about me. 

The following issues arise : 1. When the credit bureaus notified me that the accounts were verified, National Recovery simply sent me copies of the bills.

2. When requested their Method of Verification from National Recovery, they simply re-sent copies of the bills.

3. National Recovery has not, nor do I believe they are able to, verify that this debt ( s ) is indeed mine to pay. However, they remain on my credit reports as negative accounts.

Under code 15 USC 1692g Sec. 809 ( b ) of the FDCPA, I have the right as a consumer to request competent evidence, that I owe this debt. A copy of the bills is not competent evidence, as I can make those up myself.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Attention XXXX XXXX XXXX, XXXX Subject : Dispute of Wage Garnishment by XXXX XXXX XXXX and Inaccurate Information Reporting Dear XXXX XXXX, XXXX, I am writing to formally dispute the recent wage garnishment actions taken against me by XXXX XXXX XXXX, purportedly on behalf of XXXX XXXX XXXX XXXX. Upon contacting the attorney 's office, I was informed that my information was not in their system, indicating a potential error or fraudulent activity. I've never done business with XXXX XXXX XXXX XXXX ever in my life. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information. This garnishment action appears to be based on inaccurate or unverifiable information, and as such, I am invoking my rights under the FCRA to dispute this garnishment. 

Details of the Dispute : Garnishing Attorney 's Name : XXXX XXXX XXXX XXXX of Garnishment Notice : XX/XX/XXXX Amount Garnished : Unknown Reasons for Dispute : Inaccuracy : The attorney hired by XXXX XXXX XXXX XXXX has no record of my information in their system, indicating that the garnishment XXXX have been issued in error. 
Unverifiable Information : The garnishment is based on information that can not be verified by the attorney 's office, raising serious concerns about the legitimacy of this action. 
Supporting Documentation : To support my dispute, I have enclosed the following : Copies of all my Identity Theft Police Report 's dating back to XXXX showing that my identity has been compromised multiple times. 
A copy of the wage garnishment notice. 
A record of my communication with XXXX XXXX XXXX 's office, indicating that my information is not in their system. 
A copy of my credit report, highlighting any related entries. 
Action Requested : I request that XXXX XXXX, XXXX immediately cease the wage garnishment and conduct a thorough investigation into this matter. Additionally, I request the following : Correction of Records : Update all records to reflect the inaccuracy of this garnishment and remove any related negative entries from my credit report. 
XXXX of XXXX : Provide me with a written explanation detailing the verification process of the information that led to the garnishment action. 
Notification to Credit Bureaus : Notify all major credit bureaus ( XXXX, XXXX, and XXXX ) to correct any inaccurate or unverifiable information resulting from this garnishment action. 
If you require any further information or documentation from me to assist in your investigation, please do not hesitate to contact me at the phone number or email address listed above. 

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

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

i received a call on my phone from a person claiming to be from Citi bank fraud department. This individual made inquiries into the charge on my account. This unknow individual was convincing and ultimately was able to convince me that he was going to transfer {>= $1,000,000} into her account which he gains access to. He then had me transfer through XXXX $ XXXX an outside account. This individual becomes rude after being on the phone for about half hour. I called Citi bank and learned that I was not talking to Citi bank associates but rather had been the victim of a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to speak to an agent to fix the problem, I also sent certified letters and their customer service would not help and take care of the negative inquiries reporting to your credit report. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2018 I Submitted to the CFPB Case # XXXX regarding my inability to obtain a free credit report from TransUnion. 

On XX/XX/2018 the Company responded and stated the following : In order to protect your privacy, we will mail an updated copy of your credit report as well as the full results of our reinvestigation, to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. 

It is now XX/XX/2018, nearly 60 days later, and I still have not received my credit report from TransUnion. It was never sent to me. I never received the free credit report as promised.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into a collection account that appears on my credit report, which I am unaware of and believe may be erroneous. The details of the account are as follows : Creditor : XXXX XXXX  Account Number : XXXX Sold to XXXX XXXX XXXX Account Number : XXXX To the best of my knowledge, I have no outstanding debts with XXXX XXXX, and XXXX have not been notified of any such debt. Therefore, I am concerned that this collection may have been reported in error, or it may be a case of identity theft or fraud. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I kindly request that the CFPB investigate this matter promptly. Please verify the legitimacy of this collection account and provide me with all relevant information, including the original creditor and any documentation that proves the validity of this debt. 

Enclosed with this letter, you will find copies of my identification and a recent credit report showing the disputed account. I would appreciate your prompt attention to this matter and look forward to your response within 30 days as stipulated by the FCRA. 

Thank you for your assistance in resolving this issue.
Product: Debt collection

Portfolio Recovery A has violated my federally protected rights under the FDCPA. I the consumer was never obligated nor responsible to pay you a 3rd party debt collector pursuant to 15 U.S.C 1692a-3. 
You infringed upon my rights to privacy. I was called multiple times by Portfolio Recovery with the intent to harass, annoy and coerce me into paying the alleged debt which I did out of fear.. 
And they still used my consumer report with Extortionate means to coerce and swindle me into paying an alleged debt on an extension of credit violating 18 USC 894 and Portfolio Recovery employees/agents assume criminally liable and can face up to 20 years in jail.
Product: Debt collection

Someone impersonated me and stole my information and opened up a credit card in my name with JPMCB ( CHASE ) resulting in a {$4400.00} debt and credit damage. Numerous people stayed and still stay in my house since XXXX.When I wasn't home or around they all had/have access to my mail box and personal living space inside of my house which contained all my personal information. 
At No Time has Chase ever spoke to me because I've never called you on no date, for any reason concerning any XXXX account ending with the numbers XXXX. 
Also The phone that contained the number XXXX XXXX XXXX was lost or stolen several different times since XXXX, and also was not my primary number. 
I have multiple debit cards reported lost and/or stolen since XXXX and have not always been aware of all the transactions made with them or on them. 
For all of the reasons above, and the additional fact that I do not owe this debt due to Identity
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and 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 items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$690.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX  XXXX Balance {$2100.00} XXXX XXXX  XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$520.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$260.00} XXXX XXXX ( Original creditor : XXXX  XXXX XXXX XXXX XXXX Balance {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EQUIFAX XXXX XXXX XXXX  XXXX Balance {$690.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX CRE XXXX Balance {$0.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX CT XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX MO XXXX Balance {$0.00} XXXX OF MO XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX XXXX  Original creditor : XXXX  XXXX XXXX XXXX XXXX Balance {$100.00} XXXX XXXX BANK Inquiry Date XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : PORTFOLIO RECOVERY ASSOCIATES Account number : XXXX
Product: Credit card or prepaid card

I have a XXXX  store card with comenity bank. I purchased a sofa with my store card on XXXX. I made a {$390.00} payment on the store card and then my sofa purchase was cancelled by XXXX. The {$390.00} I had already paid showed up on my following statement as a - {$390.00} balance. In the last month I have made {$410.00} in purchases from XXXX. Now on my most recent statement it shows me owing {$410.00} instead of my {$390.00} credit being on there which should make my true balance of {$15.00}. The state shows a minimum payment due of {$27.00} which is more than I should actually owe them. I have sent comenity bank 2 secure messages on their website regarding the dispute and have received no response. I have also tried calling their customer service number but the rep I spoke with did not help me at all. Im at a loss at how to get this corrected and have lost all confidence in comenity bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/2023 Subject : Request for Assistance in Addressing XXXX XXXX XXXX Dear Consumer Financial Protection Bureau , I hope this letter finds you well. I am writing to request your assistance in addressing a matter related to the reporting of a time-barred debt on my credit report. After carefully reviewing my credit report, I have identified a debt that has exceeded the statute of limitations for collection in my state. 

Below are the specific details of the debt in question : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX The debt in question is no longer legally collectible under the statute of limitations in my state, which is [ Your State 's Statute of Limitations ]. I have attached supporting documentation, including evidence of the date of first delinquency, to validate this claim. 

I kindly request your assistance in investigating and addressing this matter. Specifically, I am seeking your guidance and intervention to have this time-barred debt removed from my credit report in accordance with applicable laws and regulations. 

I understand that the Consumer Financial Protection Bureau plays a vital role in protecting consumers like me from unfair or inaccurate reporting by creditors and credit reporting agencies. I believe that this situation qualifies as such, as it involves a debt that is no longer legally collectible but is negatively affecting my creditworthiness. 

I appreciate your attention to this matter and kindly request that you take appropriate action to ensure the removal of the time-barred debt from my credit report. Your prompt assistance in resolving this issue will be greatly appreciated. 

If you require any additional information or documentation to assist with this request, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your dedication to consumer protection, and I look forward to your response. 

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

Within my rights under the FCRA, I have mailed multiple request in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting XXXX, XXXX  and Equifax to supply their method of verification for the 30 day late payment listed for the XXXX XXXX XXXX  ( Account Number beginning in XXXX ). According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give methods of verification within 15 days of your request after confirming the item was accurate. Neither credit bureau has supplied the information for the late payment. Instead I received additional copies of my credit report with no other information stating their verification method.
Product: Vehicle loan or lease

On XX/XX/2021I purchase a vehicle from a buy here pay here auto lot call Cactus Jack 's. I put down {$2000.00} and my credit isn't so great so they financed me in house. When I purchased the car and gave them my {$2000.00} I was informed by them that because I didn't have a license they couldn't Finance me for more than {$10000.00} and that they were giving me 30 days to obtain a license. Well two days after I purchase the vehicle the check engine light came on and crack started acting real funny I called down and spoke with XXXX The Man Who Sold me the car he said bring the car down and we will give you your money back or we will put you in a new car well anew car to me. Well because it was the weekend they said bring it in on Monday of course during the weekend Tollison Police Department illegally towed my vehicle 4 not having ever had a driver 's license in the United States of America according to their system as soon as I got home I produced documentation to Tolleson PD they released the vehicle to Cactus Jack 's since then Cactus Jack 's has done nothing but harass and try and the little and confuse me with task to get my vehicle I have done everything they asked and at the end of the day when everything was met they refuse to let me make my first payment and said I have to pay the entire loan off of {$12000.00} and that is the only way I can get my vehicle I've committed no crime I've done nothing wrong I have produced every amount of documentation they need it please help me they're trying to scam me and my {$2000.00} I am a single father who is fighting XX/XX/XXXX and a veteran they know these things and still refuse to help me I repeat I have broken no laws and I've done nothing but get my money is taken from me and vehicle now they won't speak with me without me having legal representation according to XXXX XXXX finance manager
Product: Checking or savings account

This is a continuation of Complaint XXXX but I'll put the full history here. 
On XX/XX/2025 I came home to find XXXX  letters from Bank of America saying they were closing my accounts ( savings and checking ). I called to find out what was going on and the only thing they would tell me is that it was a business decision and they could close the accounts without reason. I asked when/how I would get my money back and was told that a cashiers check would be issued on XX/XX/2025 and be sent UPS. I asked if I could still access my money during this time and was told No. So I spent XXXX days rearranging all my payments and tried to get my paycheck sent to another bank but couldn't get that done in the time they gave me ( I got paid XX/XX/2025 ). I then called back on XX/XX/2025 and asked how I would get a tracking number for the cashiers check. At that time I was told to call back on XX/XX/2025 and they could give it to me. I called XX/XX/2025 and was told that Bank of America has extended the closure to XX/XX/2025 and I could not access my money. I asked if I could go into a financial institution and withdraw my money. I was told they would put in a request but it would take XXXX XXXX XXXX business days with no assurance that it would be approved. So at this point Bank of America is holding my money and refusing to give me access to any of my money ( including my paycheck ) until sometime in the future. I don't know when that will be since the original date was moved so there is no guarantee that they won't move the new date. I can prove where every XXXX  came from - hard work over XXXX  years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing to Exeter Financial and the credit reporting agencies for months disputing the incorrect reporting that Exeter has put on my credit reports. Exeter is reporting late payments for months after my account with them was paid in full and closed. I received letters from Exeter stating that they are not willing to change their reporting on my credit report. This letter was sent certified mail with tracking # XXXX. I tracked the letter sent to Exeter to be sure that they received it. I have written to Exeter 's dispute dept, XXXX XXXX XXXX ( CEO ), XXXX XXXX ( President & COO ), and XXXX XXXX ( CFO ). Exeter absolutely refused to correct their reporting of this account. I have all the letters that i sent to them and all of the letters that they sent back stating that they would not correct their listing on my credit report. Under the Fair Credit Act this is illegal reporting and bad business practice. I have disputed this with XXXX, XXXX, and XXXX. I only get letters from all the agencies stating that the listing has been investigated and it is an accurate reporting. I know that this has not been investigated because it is clearly reporting inaccurate information.