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

Dear Sir/Madam I am writing to file a formal complaint against the three major credit reporting agencies ( CRAs ). For their failure to address and correct fraudulent activities on my credit report, in clear violation of the Fair Credit Reporting Act ( FCRA ). I discovered unauthorized accounts on my credit reports from all three reporting agencies. Specifically the fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon realizing this, I contacted the CRAs and provided them with necessary documentation to prove that these accounts were a result of identity theft, including a police report and FTC Identity Theft Affidavit. 1. Failure to Block Fraudulent Information ( 15 U.S.C. s 1681c-2 ) Under the FCRA, specifically 15 U.S.C s 1681c-2, credit reporting agencies are required to block the reporting of information that resulted from identity theft within four business days of receipt of appropriate documentation, the CRAs have failed to block the fraudulent information on my credit reports. 2. Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C s 1681i ( a ) : The FCRA mandates that CRAs conduct a reasonable investigation of disputed information. I have repeatedly disputed the fraudulent accounts with the CRAs, yet they continue to verify the fraudulent information without proper investigation, in violation of 15 U.S.C s 1681i ( a )
Product: Vehicle loan or lease

In XX/XX/2023 I was involved in a car accident that resulted in my car being totaled out. At that time, I still owed a few XXXX on the car my insurance company XXXX  declared my car a total loss and I received a payout for the vehicle. During that time, they contacted my lean hold to pay the remainder balance and sent then the check still month later the balance has not been applied to my remaining loan amount but the check they sent to Santander Comsumer was shown cashed. I got the remainder balance in a check with no problems at all as well. Me and my insurance rep even did a 3way call with Santander trying to figure out why it's taking them so long when the check was cashed, and they blamed it on the accounting saying it could take a few weeks. The check was sent out to them XX/XX/2023, and was shown cashed around XX/XX/XXXX or XXXX if I'm not mistaken according to my insurance rep. Still all this time later the money has not been applied to the car balance and every time I call them, I get smart mouthed customer service and they give me the run around when I know for sure they received the check, and I don't want this hurting my credit because they aren't taking it seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has claimed to have " verified '' the items I have previously disputed to be accurate and complete. 

However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete a I can tell that a proper investigation has not been conducted by Transunion. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. 

This is a violation of 15 USC 1681s-2
Product: Debt collection

XXXX XXXX XXXX # XXXX. I had complaint about this company before and I had not received back any correspondence from this company. It has been more than 30 days since and this account I demand to be removed from my Credit Report.Pursuant to the Fair Debt Collection Practices Act, XXXX U.S.C. Section XXXX, you are hereby notified to CEASE AND DESIT all further communication with me in regard to the referenced debt. 
Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIT.
Product: Credit reporting or other personal consumer reports

Will you please verify that these collections are a hundred percent accurate and that you can fully verify it. Otherwise will you please remove my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Heroes Act passed by Congress, late payments were not allowed to be reported during the COVID-19 Pandemic. The attached accounts violate this law. I have written to the credit bureaus on XX/XX/22 and XX/XX/22 requesting the late payments be deleted with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and talk to an representative for Transunion about credit about inquiries that were unknown to me. The inquiries are as followed, 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX  3.XXXX  XXXX XXXX XXXX  Each one has multiple inquiries I hope this can be corrected and there are more to be reported.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXXXXXX 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

My student loans were transferred from Aidvantage to XXXX. Aidvantage last reported in XX/XX/2022. The balance with Aidvantage is now {$0.00} because the loans were transferred to XXXX but my credit report is still displaying balances from Aidvantage. The balances are {$9300.00} ; {$20000.00} ; {$13000.00} ; {$53000.00} ; {$2900.00} ; {$1700.00} ; {$4300.00}. All of the balances with Aidvantage are {$0.00}. My student loans are currently with XXXX.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found late payments from XXXX in XX/XX/XXXX and XX/XX/XXXX. This information is not true and contacted the company to correct the issue. I have never missed any payments and they failed to correct the issue. 

Also found XXXXXXXX XXXX XXXXXXXX had late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Also found XXXX payments we incorrect for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I tried to transfer some eth from my coinbase account, and was asked for a six digit security code that Coinbase would text me. Coinbase never texted me, even though I tried six or seven times.

then I called coinbase and sent an email, and they said that I needed XXXX XXXX, and I downloaded that, but, I can't get Coinbase to appear in this app. I deleted everything from my phone and did a factory reset because after coinbase didn't text me, I read coinbases troubleshooting pages for that and it said I needed to delete things and clear out all my old text messages to get a new text from coinbase. 

I was told to complete an account recovery because I couldn't get the XXXX authenticator to work, and I did that, I sent in a selfie, and my id. Yet I'm still locked out of my account. This is my life savings. 

Please help.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payment was made on time, which falls within the 15-day grace period provided by XXXX. As such, the account should not have been reported as 30 days late. 
Clerical error by XXXX : Despite making the payment on time, it was incorrectly recorded as late due to a clerical error on the creditors side. This error led to an inaccurate XXXX late report to the credit bureaus. 
Evidence Provided : I have attached bank statements and payment confirmations showing that the payment was made on time, clearly indicating that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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, Experians 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card

Request : Deleted permanently from my credit report. 
Status : Account paid on time.
Product: Credit reporting or other personal consumer reports

These accounts do not belong to me, please block and remove according to 15 USC 1681c-2 XXXX XXXX XXXX XXXX XXXX These inquiries were not authorized by me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, has violated the consumer rights of XXXX XXXX XXXX ( the alleged debt consumer ) and any variations of the name, by reporting charge offs ( XXXX  ) to profit credit reporting agencies. No transactions or experiences are allowed to be on a consumer credit report. Income is forbidden to be on the consumers credit reports. Alleged Consumer of the debt confirms that no 1099c forms was ever provided or mailed to alleged consumer. Nor has any validated and verified proof of original creditor or alleged consumer data was provided to prove that the debt is legally responsible to be paid by alleged consumer, XXXX XXXX XXXX or any variation of the name, states sue has never had a contract with this debt collector for any debt. Please DELETE this account immediately and the ARBITRATION process will take place for EVERY negative account that has been reported and EACH time it has been reported per negative account. 15 U.S. CODE 1681 ( n ) Pursuant 15 U.S. Code 1681 ( 2 ) ( a ) ( ). Please contact all agencies, corporations and organisations that you have reported this information to within 10 days of this notification. I expect to see each negative remark listed on all accounts DELETED PERMANENTLY including but not limited to XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and all other nationwide consumer reporting agencies. 

Respectfully, XXXX XXXX, UCC1-308
Product: Credit reporting or other personal consumer reports

My name is XXXX ; XXXX XXXX The Agent for principle XXXX XXXX a federally protected consumer, holder in due course, attorney in fact. On XX/XX/. An unknown employee of XXXX XXXX has been reporting negative information onto my consumer report. The negative report says " XXXX XXXX has flagged your account as charged off as bad debt with Equifax. Which may negatively impact your credit score based on XXXX data '' Please be advised. I am aware This is EXTORION.
Product: Credit reporting or other personal consumer reports

I did not consent to these inquiries and strongly suspect foul play. I urge you to conduct a thorough investigation and expeditiously remove them from my credit report.
Product: Mortgage

HELOC Account # XXXX I have a XXXX HELOC with Wells Fargo that is at the end of it's 20 year draw period and must enter the repayment period. The adjustable rate on this HELOC is prime minus XXXX so the current rate is XXXX because prime is at XXXX. 

In XXXX of XXXX I was offered to convert to a 20 year amortization with a fixed rate of XXXX. At the time, prime was XXXX and 20 year fixed term mortgages in the marketplace were at roughly XXXX. I discussed with the Wells Fargo representative waiting and hopefully exercising my option to convert to a fixed 20 year amortization at a more opportune when rates were lower. I was told at that time I could monitor market conditions and lock in a 20 year amortization based on market rates at anytime up until the end of the draw period on my HELOC which is XX/XX/XXXX. 

I would like to exercise that option now. Market rates for a 20 year amortization loan at this time are approximately XXXX roughly the same as they were in XXXX of XXXX. However, Wells Fargo will not honor what they told me on their recorded call. At this time they will only allow me to either convert to 8.5 % 20 year amortization or let the existing loan with the existing adjustable rate roll over to a repayment option of 2 % of the existing balance due per month which will be {$9600.00} monthly payment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My information may have been impacted by the Equifax, XXXX and XXXX XXXX Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715 , 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Ive asked the following questions to these companies and they have not responded with any accurate info my information was abused through the on going years and I want my life back Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. Copies of any signed agreements or contracts pertaining to the debt. Evidence your company has legal standings of debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

15 U.S.C. 1681i This section of the code covers the procedure for handling disputed accuracy. It requires that agencies provide consumers with a description of the process used to determine the accuracy of information, and that consumers have the right to add a statement to their file disputing the accuracy of the information I am writing regarding a debt collection matter that has been reported on my credit file. Under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately.

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter.

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution. 

This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 

Please cease and delete immediately Respectfully XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in XXXX days! These fraudulent accounts are not only damaging my credit but also causing me significant XXXX XXXX XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 1 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 have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit card or prepaid card

I paid a Cashier 's Check {$29000.00} to Chase ( Date XX/XX/XXXX ) to payoff the balance of my account. 

According to my bank, the check " was processed by Chase on XX/XX/XXXX and cleared our account on XX/XX/XXXX ). '' My card was declined at different stores multiple times and when I called Chase, they told me that it was because I didn't have any available credit. Each time they claimed that they had not received the {$29000.00} payment. 

On XX/XX/XXXX, I called and was told that they still had not received my payment. I offered to provide a copy of the canceled check via email or scan, or fax. They said they had no record of my payment and no way to receive a copy of the check from me, and I would have to wait. 

I called again on XX/XX/XXXX and got the same response. I was exasperated and asked to speak to a supervisor, who told me the same things as on XX/XX/XXXX. After pressing she said they did receive the check, but that they had to wait a few days for it to clear before they credited my account. I again gave all the information about the check and offered to provide the canceled check. She again told me there was no way to receive it. 

I told her to cancel my account completely and that I would no longer do business with Chase. I told her I would wait on the line until everything was closed. She confirmed that all was closed. 

On XX/XX/XXXX an " Chase Auto pay withdrawal of XXXX '' cleared my personal checking account. I called chase and spent another half hour trying to resolve the issue. they claimed it was for interest accrued after before the check cleared. I explained everything to two different people and finally XXXX in customer service told me that she could refund the money, but it would take " 2 business days to process the refund '' and that I would " need to call back and request that Chase issue a balance credit refund '' then it would be another 7 - 10 business days before they would issue a refund. 

I asked XXXX to delete my bank account information and that Chase was never again authorized to access my bank account for any reason. She said that was done. 

I don't understand why I have to wait a couple of weeks and call multiple times and request a refund for their error. 

Between XX/XX/XXXX, I have wasted almost 5 hours ( XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX ) to get Chase to acknowledge a {$29000.00} check, and to refund me the money they overcharged, and I was told that I will need to call at least two more times to get it.
Product: Checking or savings account

On XX/XX/XXXX  my mother passed away. We held joint account with BofA. On XX/XX/XXXX my brother fraudulently transferred funds out using mothers digital access. Bof A was made aware of this fraud on XX/XX/XXXX after i checked account after receiving letter from BofA Estate Services on XX/XX/XXXX. I filed fraud complaint with BofA at which time the bank told me the funds were transferred twice to accounts in my brothers name. Bof A knowingly engaged in fraud by refusing to recover funds stolen and promptly return to my account. My brother was not authorized legally to withdraw any funds from my joint account with my mother after her death. I have made him aware of these facts as well as receiving confirmation from numerous employees of BofA of the fraudulent funds transfer. BofA continues to engage in fraud against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is using my information to open fraudulent accounts which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below XXXX XXXXXXXX - XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I placed an order from Macy 's online for a bottle of men 's colone in the amount of {$100.00}. When the package arrived I could see that it had been damaged. Upon opening the package I discovered that the bottle was damaged and the liquid had escaped. The broken bottle was empty. I immediately filed a dispute with Macy 's online. As of this date Macy 's has not responded to my dispute. It has been well over 30 days and they have not responded to my dispute nor given me a credit.
Product: Credit reporting or other personal consumer reports

in accordance to the fair credit reporting XXXX  account XXXX, XXXX, have violated my rights 15u.s.c 1681 section 602A states i have a right to privacy.

15u.s.c section 6042 it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account without my written instructions