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

I am filing a formal complaint against Equifax for non-compliance with the Fair Credit Reporting Act ( FCRA ) and for civil liability due to negligence under 15 U.S. Code 1681o. 

I submitted a dispute regarding an inaccurate item on my credit report. The disputed accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Despite my formal dispute, Equifax failed to conduct a proper investigation, verify the accuracy of the item, and provide me with an adequate response within the required timeframe under the FCRA. Their failure to act in accordance with federal law has caused financial harm, including denied credit applications, higher interest rates, or emotional distress.

Under 15 U.S. Code 1681o, credit reporting agencies are legally liable for negligent non-compliance with the FCRA. Their failure to correct or remove this inaccurate information constitutes negligence and has negatively impacted my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX 's XXXX bank credit card was used without my authorization by XXXX 's stores. I called and XXXX 's corrected the incorrect charge and refunded the {$55.00}. I called XXXX credit card and they said they would correct the late fees and confirmed the account would show a {$0.00} balance within 3-4 days. This did not happen, so I called on XX/XX/XXXX and spoke with both XXXX & XXXX and they confirmed that the fees would be eliminated as promised. This did not happen. I then called again and spoke with XXXX who again said it would be corrected and the amount owed would be {$0.00} and corrected in 3-4 days to reflect back to {$0.00}. On the third month of incorrect late fees on a false charge by XXXX 's, they then corrected the issue of the balance and closed the account as of XXXX, and this was reflected correctly as a {$0.00} balance, closed account. However, they STILL failed to correct my balance and past due amounts ... I NEVER owed anything in XXXX. I was NEVER late. This is provable by whom I spoke with & & & the fact that I personally did not pay ANY money to this account, they did themselves because they were wrong!!! This is still not fixed on my credit report because of XXXX Banks ineptitude and lack of follow through on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  I XXXX XXXX hear declare a dispute with Experian credit report I have no problem disputing a report it says it needs more information that it's already did a dispute I can not put in a dispute I've had this acount since XXXX on my credit I give Experian my dispute information for a credit reporting on my report that was negative that's making me hard to obtain credit from this account that was XXXX that has been paid off from XXXX XXXX XXXXXXXX XXXX XXXXXXXX further investigation XXXX XXXX has been paid off back in XXXX payed XXXX XXXX i would like this off my credit report. its not fair that a company hold me back in this time of high gas price and instest rate trying to rise my son and keep food on table. high taxes here in california
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to unfreeze my account for over a year and after sending more than enough information to verify who I am to XXXX, GA. They still have my account frozen. I do not want this company ever doing anything to my account again. The freeze that I put on there was only meant to be temporary. The information was sent certified priority mail. I am a XXXX vet and I do not have the extra income to keep mailing EQUIFAX redundantly about unfreezing my account. No one attempting to access someone elses account would be going through these measures. 
I do not understand how the company could allow data breaches but I the actual account owner can't manage or control my own credit report. 


XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Diversified Consultants This account showed up and I had proved to them I had already paid the account. It is still listed on XXXX as paid in Full, was a Collection. It never was a collection. It has been paid in full.

The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. Should I not get this resolved in a timely manner and you continue your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I will pursue further action and you may be liable for your willful non-compliance. Failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will then be required to appear in court at a venue local to me, in order to formally defend yourself. Please advise immediately how you expect to proceed.
Product: Debt collection

Attached request for debt Validation through Consumer Financial Protection Bureau. The company can not identify the date of the alleged default of debt and other reasons discussed in attached letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent a dispute to Transunion stating : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. On XX/XX/2023 I followed up with a dispute stating : I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. Not once have I received a response from anyone in response to any of the request however Transunion has added the remarks to my credit report as : Dispute resolved ; reported by grantor. XXXX deleted from my report on my dispute completed XX/XX/2023 but Transunion failed to perform an investigation and delete the disputed inaccurate information. 

In accordance with the Fair Credit Reporting act this account has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Account Name : XXXX XXXX Account Number : XXXX has violated my rights. 
15 U.S.C. 1681 Section 602 A states : I have a 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 with out my written instructions.

15 USC 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 conviction of crimes which antedates the report by more than seven years.

15 USC 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: Checking or savings account

I ordered an engine for {$1300.00} on XX/XX/2023 and from a company called XXXX XXXX XXXX order number ( XXXX ). The company had 14 days to ship the engine and exceeded that time frame. I never received the part and filed a dispute with my bank on XX/XX/2023. The company then said on the XXXX or XXXX they would process a full refund for {$1300.00} dollars in 3-5 business days. The funds were pending in my checking account for two days the XXXX and XXXX of XXXX and then the pending deposit disappeared from my account. Then the company said they would process the refund in three install payments for {$500.00}, {$500.00}, and {$350.00}. Thinking that the money was kicked back because the amount was too large. I still havent received a full refund. The company had an F on the XXXX website { XXXX  XXXX XXXX  } and I think they are trying to scam me and my financial institution Navy Federal Credit Union NFCU. I request immediate assistance.
Product: Debt collection

Debt is related to a rent charge of XXXX to XXXX, and went up to XXXX where this debt belong to my ex, which is all her incurred debt. Originally a I tried to settle the debt by using veteran resources, but they told me, that if you are invovled with a XXXX case as I have full custody of our XXXX. I told landlord I am leaving under these conditions as my lease was up, and the debt was supposed to be wiped out or transferred to my ex, but the lied to me, and sent my debt, which is too old to be on my credit report in XXXX. I fought these people before with previous debt to ration charges, and every time I had to prove my case to be absolved of these debt allegations. When I went back to Washington State I was XXXX for 45 days with a child and from XX/XX/2016 I have lived in this area with no rent issues, ex issues etc while living in peace. I cleared previous falsified rental eviction debt off my credit report, and my current and past landlords within 5 years or anywhere else in the United states would tell you I paid all my rent on time. Colorado is one of the most dishonest states I lived in my past for 12 years on and off, that will ruin your credit report and rental history. This debt right now is preventing me from using my VA home loan to buy a house for me, my son, and service dog to date.
Product: Credit reporting or other personal consumer reports

I am filing this dispute regarding a fraudulent account reported by ServiceMac on my credit report without my knowledge or consent. Additionally, ServiceMac failed to provide me the legally required opportunity to opt out before sharing my personally identifiable financial information with third parties, including other financial institutions and consumer reporting agencies. This unauthorized disclosure of my information constitutes identity theft against me, as my personally identifiable financial information was shared without my legally obtained consent. This action violates my rights under the Gramm-Leach-Bliley Act ( GLBA ), which mandates that consumers must be given the right to opt out before their information is shared with non-affiliated third parties. 

This situation also breaches the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which stipulates that information on consumer reports must only be accessed or shared for permissible purposes and with consumer consent. The unauthorized dissemination of my information for a fraudulent account, without providing me an opt-out opportunity, disregards my FCRA rights. Furthermore, 15 U.S.C. 1681e ( b ) of the FCRA requires consumer reporting agencies to establish reasonable procedures to ensure maximum accuracy in reporting. The presence of this unauthorized account indicates a failure to comply with these procedures.

In addition, this situation violates New Jersey 's Consumer Fraud Act ( CFA ), N.J.S.A. 56:8-1 et seq., which prohibits creditors and financial institutions from engaging in deceptive and unfair practices that harm consumers. By failing to provide me with an opt-out option and reporting a fraudulent account to my credit report, ServiceMac has engaged in unfair practices that have caused both emotional and financial harm. I request an immediate investigation into this matter, the removal of the fraudulent account from my credit report, and enforcement of my rights under federal and New Jersey laws to prevent further unauthorized use of my personal information.
Product: Credit card

I am writing to formally dispute an unauthorized account that was fraudulently opened in my name and to express my concerns regarding Discovers failure to properly investigate and resolve this matter. Despite providing all necessary documentation, including a police report and an FTC identity theft report, my request to remove this fraudulent account has been repeatedly denied. 

Key Facts & Supporting Evidence : Unauthorized Account & Fraudulent Charges An account was opened in my name without my consent, which I promptly reported to Discover upon discovering the fraud. 
I have provided official documentation, including a police report and an FTC identity theft report, confirming that this was identity theft. 
Lack of Proper Investigation by Discover Your team has stated that the charges were " valid '' because they occurred in an area associated with me. However, I have provided military assignment records proving I was in another state at the time of these transactions. 
This clear evidence demonstrates that I could not have physically made these charges, and your refusal to acknowledge this is unjustified. 
Failure to Remove the Fraudulent Account from My Credit Report I have repeatedly requested the removal of this fraudulent account from my credit report. 
Per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit file, and Discover has an obligation to properly investigate and correct the error. 
Your continued reporting of this fraudulent account is causing financial harm, and I demand its immediate removal. 
Unfair Blacklisting & Future Account Restrictions I have also been unfairly blacklisted from opening future accounts with Discover due to this fraudulent incident, despite proving my identity theft claim. 
This is an unfair and punitive action against a victim of fraud, and I request this restriction be lifted. 
Requested Resolution : I demand the following corrective actions be taken immediately : Remove the fraudulent account from my credit report and cease all negative reporting to credit bureaus. 
Provide written confirmation that my identity theft claim has been accepted and that Discover acknowledges the charges were fraudulent. 
Remove any internal blacklisting that prevents me from obtaining an account in the future. 
If this matter is not resolved promptly, I will escalate my complaint by filing reports with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), my state Attorney Generals office, and the Office of the Comptroller of the Currency ( OCC ) for failure to properly investigate and correct an identity theft claim. 

I request a written response to this complaint within 15 days. You may contact me at XXXX or ( XXXX ) XXXX Work and ( XXXX ) XXXX for further discussion.
Product: Student loan

Wells Fargo wo n't let me log into my account, even though it 's a student loan not a bank account, without getting a text message. This is problematic because cell phone numbers are associated with so much now it 's a privacy issue and an identify theft issue. There is no email option to verify your account. I want to be able to log into my account without a text message verification.
Product: Mortgage

Dear To Whom This May Concern, I am presenting this letter before you with true facts, documents, and recorded conversations that were made with permission which will be attached to this letter that can prove and confirm everything that is being presented is true.

I am sending documentation of my Petition For Review that I made for the Supreme Court Of California which has been denied without even being looked at, I find this to be outrageous and this is before the Superior Court Of XXXX XXXX in XXXX California, XXXX XXXX XXXX. XXXX throughout my case without leads to amend. If you do not know what this means, this means I can not go back to the courts and fix anything, my case has been dismissed, so now I had to appeal to the Appellant Court in which I did. And they also dismissed my case. 

This all has to do with my lending company who is Ocwen Loan Servicing. Ocwen Loan Servicing chose me, I did not choose Ocwen, I do not have a choice in who owns my homes mortgage. Ocwen Loan Servicing is rated as one of the worst companies in the world with an F rating in the XXXX XXXX XXXX, sued by the XXXX XXXX XXXX investigation for XXXX XXXX dollars and won. And also, Ocwen has a federal lawsuit pending since XXXX and Ocwen has over 300,000 complaints and numerous lawsuits and unlawful foreclosures in 49 states for fraud. 
All I am trying to do, in all of the courts I have been through, having to hire several lawyers, which has cost me thousands and thousands of dollars all because I am trying to defend my home from Ocwen Loan Servicings dishonest, unethical, unlawful, misleading, fraudulent business tactics that are being used to steal my home to enrich Ocwens greedy pockets, which is forcing my family and me in a destitute state of homelessness. 

This is something that I want to bring attention to, How can a company be convicted of all these fraudulent acts, have hundreds of thousands of complaints, being known to be a fraudulent company, convicted of fraud, be able to buy, purchase or inquire my homes mortgage and rain havoc upon me and my family since XXXX. For eleven years, I have been going through this. How can any of this be legal? 

This is my first and only home. Ocwen does not just steal homes, they destroy families. 

This has got to stop. 

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

In accordance with the Fair Credit Reporting act XXXXXXXX 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 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX XXXX On XX/XX/XXXX, I received a letter from my Graduate School, XXXX University, indicating that I was identified as an individual that was involved in a data breach of my personal information ( including- my name, address, date of birth, and social security number ). The school determined that in XX/XX/XXXX my information was exposed to hackers. I have reviewed my credit report and I have identified inquires that I have not committed myself. Below is the breakdown by the credit bureau of what does not belong to me and should be removed from my credit report. They are the following : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please feel free to reach out to me directly for any additional questions you may have. 

Thank you, XXXX
Product: Checking or savings account

My account was overdrawn by 2 two week old checks costing me XXXX in overdrafts that I can afford. This was TD Bank. I called and explained the situation to them. I spoke with the bank and at the time they said they could refund one of the fees. An hour later they still did not refund it. I called back and they turned the story around and said that they can not refund the XXXX. They flat out lied. Everyone has tough times and I was actually excited about getting the XXXX back. That means alot. I am very upset about being lied to. And would like at least XXXX back
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX XXXX accurate.
Product: Credit card

Im still having problem with Citi Bank ( shop your way ) credit service. Im being charged extra fees when my account is not over the limits, I paid on my account 4 days late, I was charged usual late fee plus increase in monthly payment along with the late fee. When I called to speak to a representative, he had a hard time explaining the extra fees. 
Since complaining about Citi Bank they closed my shop you way and NTB accounts. My NTB was paid on time and never late. However, they closed both, they bill me extra fees.
Product: Debt collection

XX/XX/XXXX, my husband and I applied for an apartment with the XXXX  XXXX XXXX. We paid our fees and awaited for a response. I called 3 days later, with no update. The next day, I called and was told that my my husband and I were denied. We did not have any derogatory information on our credit and our credit was much higher than the credit score required. We were in the mid 600s and the requirement was 550. There also was never a credit report pulled. I called and updated the apartment and asked how could we had been denied, if a report was never ran. They never responded after multiple contacts. We applied at another apartment with a higher score requirement and received immediate approval. In XX/XX/XXXX, I received a call saying they were trying to collect a debt. I asked the agent to please explain how i owed. She said it was leftover move out fees. I explained that I never stayed or moved in so how are we owed a balance? She got rude with me and threatened that she will just put it down that I am refusing to pay the debt. This was a recorded call. I explained to her that Im not refusing anything but am asking for a verification of the debt. The call ended and today, I go to look at my credit report and there is the collection. This is illegal and the tactics of IQ DATA INTERNATIONAL IN are inhumane. They still cant prove how I owe this money to them when they never ran a report. I called over a month leaving messages with the main office and no one called me back. I reported it on XXXX and they responded saying that it was due to my credit but again, my credit was never pulled.