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

XX/XX/XXXX Equifax said they could not complete my online application. I was told a " verification code '' would be mailed to me in 3 days. It is XX/XX/XXXX and I have not received it so I phoned, and the automated system was terrible, would not allow access to a live person to speak with. Instead a long list of dates and supposed credit card names and businesses were read nonstop and made no sense because not a single one of them was true. I have had my current credit card with for 26 years and have had no other one ( I had a couple in the XXXX that I cancelled ). It sounded like someone else 's information as though they had made a mistake and were not using my information. I got very upset by their system. 

For the first time I have requested from Annual Credit Report.com my 3 free reports and both XXXX XXXX and XXXX turned out fine. So Equifax is making me worry and I am XXXX  and have no one to help me. I have frozen those two reports because I received a letter of a data breach from my bank, and a fraud sounding letter that I did not reply to since it sounded absurd. I need to get the Equifax problem resolved and it is up to them to communicate with me. I have not been able to complete my request with them, online or by phone and with no one to talk to from their business, It is all automated unfortunately.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with errors resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Alleged Amount owed XXXX No actions have been taken XXXX XXXX XXXX XXXX Alleged amount owed XXXX No actions have been taken I have not supplied proof under the doctrine of estoppel by silence. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I presume that no proof of the alleged debt nor there for any such debt in fact there for exist. In this particular case this matter should be eradicated and resolved to a XXXX balance. All negative reporting 's should be removed from all credit profiles immediately.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Experian 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, Experian '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. I want reported accounts to be removed. These are the accounts that I have marked as inaccurate : XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent an Opt Out letter to the Credit Agencies and the creditors who have recorded erroneous credit reporting for the accounts listed below : XXXX. XXXX  - {$220000.00} Explanation : I DID NOT AUTHORIZE PAYMENT HISTORY OR CREDIT USAGE HISTORY ACCORDING TO 15 U.S.C. 6802 AND 15 U.S.C. 1692c ( b ). PER MY RECORDS, THEIR INFORMATION IS INACCURATE. 
XXXX. XXXX XXXX {$640.00} Explanation : I DID NOT AUTHORIZE PAYMENT HISTORY OR CREDIT USAGE HISTORY ACCORDING TO 15 U.S.C. 6802 AND 15 U.S.C. 1692c ( b ). PER MY RECORDS, THEIR INFORMATION IS INACCURATE. 
XXXX. XXXX XXXX {$570.00} Explanation : I DID NOT AUTHORIZE PAYMENT HISTORY OR CREDIT USAGE HISTORY ACCORDING TO 15 U.S.C. 6802 AND 15 U.S.C. 1692c ( b ). PER MY RECORDS, THEIR INFORMATION IS INACCURATE. 
XXXX. XXXX XXXX XXXX XXXX - {$3000.00} Explanation : I DID NOT AUTHORIZE PAYMENT HISTORY OR CREDIT USAGE HISTORY ACCORDING TO 15 U.S.C. 6802 AND 15 U.S.C. 1692c ( b ). PER MY RECORDS, THEIR INFORMATION IS INACCURATE. 
XXXX. XXXX XXXX XXXX BANK {$13000.00} Explanation : I DID NOT AUTHORIZE PAYMENT HISTORY OR CREDIT USAGE HISTORY ACCORDING TO 15 U.S.C. 6802 AND 15 U.S.C. 1692c ( b ). PER MY RECORDS, THEIR INFORMATION IS INACCURATE. 
XXXX. XXXX XXXX XXXX BANK {$7000.00} Explanation : I DID NOT AUTHORIZE PAYMENT HISTORY OR CREDIT USAGE HISTORY ACCORDING TO 15 U.S.C. 6802 AND 15 U.S.C. 1692c ( b ). PER MY RECORDS, THEIR INFORMATION IS INACCURATE. 
XXXX. XXXX XXXX XXXX XXXX {$10000.00} Explanation : Account was charged off XXXX WAS FILED, ACCT IS CONSIDERED INCOME. INCOME CAN NOT BE REPORTED. I DID NOT AUTHORIZE ACCOUNT FOR PUBLIC RECORD, PER 15 U.S.C. 6802. 
XXXX. DEPT OF EDUCATION {$25000.00} Explanation : PER 20 U.S.C 1232G ( FAMILY EDUCATIONAL AND PRIVACY RIGHTS ) AND 34 CFR 99, MY RIGHTS HAVE BEEN VIOLATED AND MY INFORMATION PUBLICALLY EXPOSSED ILLEGALLY.
Product: Credit card or prepaid card

I opened a XXXX Amex in XXXX of last year. As part of the intro offer, I was supposed to get XXXX bonus miles, which was a big part of me opening the card. 

I never received the miles, and no one can explain why. All Im told is that the system denied the offer without any further specifics. If there is no real reason, it makes it a false promise. If there is a real reason, someone should be able to explain it. 

I have reached out several times, the last of which was today. I have simply asked to be given the bonus or a reason for not giving it to me. I have been promised investigations and follow ups, none of which seemed to have ever happened. No one has gotten back to me until I try again. The. I have to start all over from the beginning with each new person/ supervisor. This has been going on for months, and it has become clear that Amex does not care to help or do what is right.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inquiries that l believe to be fraudulent and have negatively impacted my credit report. 
Below is a detailed list of the inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. These inquires and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc
Product: Mortgage

i was re evaluated for a loan modification ... 

i was told i still didn't qualify due to my income was low debt high i advise my spouse give me child support and he will help with the mortgage payments i was still told my income was not enough. 

apparently because i do knothole a court order for the cild support and housing support they would not take it into consideration yet i am not legally divorce and my husband is equally responsible for our house hold expenses yet they are refusing to acknowledge his income of XXXX a month. 

i feel they are being unfair on this matter i appealed the denial and was further told this so its okay to not accept income due to it not being court ordered yet they will accept him not residing with us and its not a court order? 
makes no sense and it seems unfair we can afford our loan yet the bank is refusing to approve us stating we can not they requested my husband pay stubs and XXXX which we sent over yet only to be told he doesn't live with us my husband support me and our XXXX kids yet we can't get a loan mod with his income included only my income is looked at thesis crazy ... he's on the deed of the house so he's equally entitled to it. 

my husband is more than happy to move in back with us if this will eliminate thinly notion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Experian, XXXX, and XXXX ; I was going through my credit again today and noticed 3 negative accounts on my credit report from XXXX  XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX. Each of those accounts is reporting multiple inaccuracies such as different dates from last active, last reported last payment, questionable balance, and the charge off balance are questionable. 

How come there are accounts in charge-off but I never received 1099c from the original creditors? How come you said you verified these 3 accounts but yet it continues to report with multiple inaccuracies and violations? 

XXXX # XXXX Collection {$3000.00} ; XXXX XXXX XXXXXXXX # XXXX Charge-off {$83.00} ; XXXX  XXXX # XXXX Charge-off {$3700.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it vey difficult for me to acquire credit.

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible : 1. XXXX XXXX : XX/XX/XXXX 2. XXXX XXXX XXXX :XX/XX/XXXX 3. XXXX XXXX XXXX XXXX : XX/XX/XXXX 4. XXXX XXXX XXXX : XX/XX/XXXX 5. XXXX : XX/XX/XXXX6. XXXX XXXX XXXX : XX/XX/XXXX 7. XXXX XXXX XXXX XXXX : XX/XX/XXXX 8. XXXX XXXX : XX/XX/XXXX 9. XXXX XXXX XXXX : XX/XX/XXXX10. XXXX XXXX XXXX : XX/XX/XXXX
Product: Debt or credit management

Hi My name is XXXX, I wanted to know will I receive a check from Lexington Law Firm. Who repair my credit about 12 yrs ago. I definitely used them to repair my credit. 

Thank you,
Product: Mortgage

I applied for a loan modification due to a substantial decrease in income moving forward ( I 'm XXXX, and am on on SSA retirement ). I was paying my mortgage on time ( never missed a payment ), but it has been a struggle. I had never been delinquent on my mortgage. Nevertheless, XXXX XXXX XXXX had frozen my account online due to a " current bankruptcy ''. I admit that I had a discharged bankruptcy in XX/XX/XXXX, but it did not affect my mortgage, as I had no mortgage delinquent payments. Since then, I have been diligent about keeping my expenses within what I can afford. 

When I was denied the loan modification, the online block was lifted. I applied for an appeal, and the block was placed on my account again. Then I received a notice that my appeal was denied, and I was offered a " courtesy '' change in my loan if I paid a fee. I could not afford another month 's mortgage at this time. I called the customer service line used to ask questions about the bankruptcy statements and hold online. I had to wait 35 minutes to get a person. When I asked why they flagged this as a " bankruptcy '', the response I received was " Because as of this year, we can ''. 

Today I was able to pay my XX/XX/XXXX mortgage online by going to another site. However, the original site still has a hold for " bankruptcy '' on my account. 

I am planning to apply for a loan modification again, but would like Capital One to play by the rules and not make their own.
Product: Credit reporting, credit repair services, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

TransUnion XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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

Dear XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. 
I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to

Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to thi
s matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/2019 and XX/XX/2019 ON MY CAPITAL BANK ACCOUNT. PLEASE SEE ATTACHMENT OF THE DISPUTED LATE PAYMENTS
Product: Credit reporting or other personal consumer reports

I am very distressed that your agency continues to include information on my credit file and has not maintained reasonable procedures in your operations to assure the maximum possible accuracy with the reports published. 

You have continually failed with every dispute I submitted to your company and your neglect has violated my rights. 

Since it is apparently clear that you are unable to investigate and re-investigate properly I will assist. 

This account was allegedly charged off in XX/XX/2024. However XXXX is stating for the same month a OK payed status for the month of XXXX and XX/XX/2024. 
INACCURATE YOU MUST DELETE When I submitted the first dispute regarding this account it has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NO'T include an active payment history. This inaccurate information falsely manipulates the statute of limitations.

INACCURATE YOU MUST DELETE Under 15 U.S.Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Your improper procedures are highly damaging to my credit score. 

This inaccurate account was sold to a third party company and not reflecting a XXXX ( XXXX ) balance which is a misrepresentation of the account status. 
INACCURATE YOU MUST DELETE Please review attached with third party information. 

Not only listing of aforementioned reasons this inaccurate account is reporting 100 percent inaccurate and reporting inconsistent balances across bureaus which includes : 1. Inaccurate Balance information 2. Inaccurate Payment History 3. Inaccurate Date of last payment 4. Inaccurate Date of last activity 5. Inaccurate Date of opening 6. Inaccurate credit limit I could go on and on with additional numbers of inaccurate information that you failed to investigate but I will leave the rest for you. 

I have spoken to representatives in your company and was informed on a recorded line that if I want additional information from your company regarding the accuracy of the account and proof that I was to contact the creditor directly. Please explain how your company is reporting inaccurate information furnished by the creditor and the same inaccurate information is being reported to other bureaus. Please explain how you are illegally violating the rules of the Fair Credit Reporting Act by allowing this to continue. 

Please review attached documents of a side by side view of the inaccuracies that this alleged account is reporting to other bureaus. 

This accounts date of first delinquency illegally being changed to manipulate the statue of limitations Please review attached documents. 

I am demanding a permanent deletion of the following account : XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX XXXX XXXX XXXX, I am writing in response to your recent correspondence regarding my dispute of the accounts ending in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. As I previously stated, these accounts were opened without my permission and have caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. 

Your response did not fully address my concerns and I am disappointed to see that you believe that the account ending in XXXX belongs to me. I maintain that this account was opened without my permission and I demand that it be removed from my credit report immediately. Your confirmation that you are reporting accurate information is simply not sufficient. In accordance with the FCRA and CFPB guidelines, I am requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report within 30 days of receipt of this letter. 

I am also demanding that you remove all other accounts that were opened without my permission from my credit report immediately. I understand that you have asked the CRAs to delete some of these accounts, but I want to make it clear that I am demanding their removal as well. 

I want to remind you that reporting of inaccurate information is in violation of [ 15 US C 1681 section 604 A Section 2 ] [ 15 USC 1681 Section 602 ] [ 15 US code 5 1681b ] and other CFPB regulations. Your failure to comply with these regulations could result in legal action against your company. 

I expect a prompt response to this letter and for all accounts that were opened without my permission to be removed from my credit report immediately. Please provide me with a written confirmation of your actions and a copy of my corrected credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX CFPB Codes : Bulletin 2013-1 Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act Section 1681s-2 ( a ) of the FCRA Section 1681c of the FCRA Section 1681g of the FCRA Section 1681i of the FCRA
Product: Student loan

I have reached out to this company in regard to the original contract for the student loan. I reached out on XXXX XXXX, XXXX XXXX and XX/XX/year>. I sent letters to the CRA 's disputing due to student loan reporting without permissible purposes under FCRA. I have not given this company written instructions to report this account which is a violation of 15 USC 1681b which says that their needs to either be a court order or written instruction by the consumer in which it relates. Although I may have given consent to a previous lender or servicer this does not extend to any and everyone who comes to have knowledge of this account. You do not have permission to continue to use my information and I request you cease and desist furnishing it to anyone for any reason. I refuse to allow this to continue. As a consumer I have a right to privacy and congress stated in 15 usc 1681a ( 4 ) that there is a need to ensure that consumer reporting agencies exercise their grave responsibility with respect the consumer 's right to privacy. As a furnisher you are violating my rights as a consumer. So, moving forward again you do NOT have the permissible purpose nor my consent to furnish the following accounts on my consumer report. Any further reporting will be willful non-compliance of the law. I request that you conduct a thorough investigation into this matter and remove the aforementioned accounts from my credit report. Please be advised that the investigation that you conduct must comply with the FCRA definition of investigation and include the name, address and phone numbers of everyone that you communicate with. I have also sent communications directly to each servicer. Any further sharing of my information will be considered identity theft.