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

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX 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, Equifax '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. 

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

Received multiple credit inquiries on my account that were not made by me. Here is the list below. Ive put a freeze on both my XXXX and XXXX credit reports as of right now. 

XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX ( now closed permanently ) to purchase a used car that I saw on their website. The car was advertised for {$12000.00}. I went to the dealership with a down payment of {$2000.00} with the impression that after taxes, dealer fee, and registration fees my total payments owed will be no more than {$15000.00}. The dealer or owner Mo did the whole transaction with me which was all rushed never gave me the time to look over the contract or the finance agreement. He ended up giving me contract with a 22.99 % APR, charging {$8800.00} finance charge ( that is NOT on the itemized bill that I signed ), with a loan term of 60 months with monthly payments of {$350.00}. ( obviously the numbers just doesn't make any sense ). There is no explanation of where the finance charge is coming from on the contracts. I left the dealer ship that with a XXXX XXXX XXXX. One week later on a trip from XXXX XXXX to XXXX NY the car broke down on the highway and I had to get a tow company to tow the vehicle to a local shop. I called the dealership the next day and told them exactly what happened they agreed to cover the cost of getting the vehicle back to XXXX to their mechanic however, that did not help me in getting back to XXXX. There was no communication from the dealership in regards to when I will get back the car or IF I will be getting back the car. I had to keep reaching out to them for the several days during this time, with no transportation to work. After 4 months of getting mechanically unfit cars to use from a rental company they worked with ; XXXX XXXX XXXX decided finally take the time out to get me into another car as the XXXX XXXX had a bad engine and they were " waiting for XXXX to approve a warranty replacement ''. In what I thought would be a fair negotiation he ended up giving me another contract XXXX XXXX, XXXX for a XXXX XXXX XXXX with an APR of 22.99 %, FINANCE CHARGE of {$9700.00}, car value of XXXX, and term of 66 months. With " lower '' payments of {$330.00}
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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). To Whom It XXXX Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, XXXX XXXX. XXXX ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to XXXX XXXX XXXX XXXX ( XXXX ). According to, XXXX XXXX XXXX XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report und the following circumstances and no other : In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit card

According to my XXXX  account, JPMCB CARD SERVIES made a Bank / Credit Card Inquiry on XXXX XXXXXXXX XXXX. 

I also got an email from Chase Bank the same day saying that I had applied for a new credit card. 

Obviously this wasn't me and someone is doing it under my name. 

I have called both Chase and XXXX but their fraud departments are currently closed. I'll be following up with them tomorrow, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Made Several Disputes concerning unauthorized inquiries on my consumers report and have yet to see them removed. I DID NOT authorize, consent to, nor benefit from the following inquiries. 
XXXX. XXXX XX/XX/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Bank account or service

My paypal accoutn is locked and I would like it unlocked.
Product: Money transfer, virtual currency, or money service

I received numerous text messages confirming Zelle payments sent to me, but the money never entered my account. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

On XX/XX/2019 I called Bank of America to inquire about balance transfer offers because my online account page said I needed to contact them to provide more information on my account. After providing the information requested, they responded by lowering the credit limits on the two cards I have with BofA by over $4,000, or basically all of my available credit. The reasoning was that the amount owed on one or more of my cards was too high. One card was at about 50% of the limit, while the other was near 70% of the limit. When I asked what an appropriate debt to limit percentage was, to avoid this issue in the future, they said they were not able to share that with me, and that there was nothing they could do about the credit limit decrease. My feeling is that the real issue is that I have used low or 0% balance transfer offers to keep my interest rates low on my accounts. BofA has increased my credit limit and even offered me a new card in the last few years, and continued to extend 0% balance transfer offers up until XX/XX/2019. It seems they view me as a credit risk because I keep a low interest rate. By lowering my credit limit they have now increased my debt to credit limit ratio, which will negatively effect my credit score until it is paid off. My interest rate on the debt I carry with them will now rise from nearly 0% to over 25%. This is absolutely predatory lending. If they didn't want me to use the 0% balance transfer offers, don't extend them to me, but lowering my credit limits seems counterintuitive to the reason they gave me for why they were lowering them in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over 30 days since I've sent a dispute letter to this agency to investigate incorrect information in my consumer report. This agency has yet to notify me of any investigation findings. This negligence has greatly affected my ability to engage in commerce
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates that inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and disappointment with the handling of my identity theft complaints by your bureau. This issue not only involves the theft of my personal data but also highlights the apathetic approach your bureau has taken in managing my situation. 

I have provided all necessary documentation, including the FTC report I filed with the Federal Trade Commission, to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and its profound impact on my life, your bureau 's response has been alarmingly XXXX. Communication regarding the status of my disputes has been minimal, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the institution I relied upon to protect my credit and financial well-being. 

I urge your bureau to take my identity theft case seriously and expedite the investigation process. Please thoroughly review the evidence I have provided and promptly remove the fraudulent account and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have requested that the credit reporting agency correct my address and I was told that I need to contact my credit company. I have done that and they have corrected my address, but I believe it's the responsibility of the credit reporting agency to have up to date and accurate personal information on my credit report and remove items that don't belong to me and they have failed to do so.
Product: Mortgage

MANIPULATION OF FORECLOSURE AUCTION, FORGED FORECLOSURE PUBLICATIONS AND MALICIOUS OBSTRUCTION OF HOMEOWNER 'S RIGHT TO DUE PROCESS This situation has been a long and exhausting process which originated when the mortgage on the property contained an incorrect legal description. In attempting to foreclose on the property, XXXX XXXX intentionally forged the legal description on the Court documents publicizing the auction instead of reforming the mortgage as it is required to do, by law and which resulted in a grossly inadequate bid price. Further, in an effort to settle the matter, I attempted, on multiple occasions, to satisfy the entire foreclosure judgment. XXXX XXXX refused to accept full payment and instead accepted almost half of the judgment amount from a known collusive bidder in a grossly faulty foreclosure auction. After XXXX XXXX forged Court filed documents to avoid correcting the mortgage, it then maliciously prevented me from satisfying the judgment, retaining the equity in my home, and satisfying the judgment to avoid a completed foreclosure. They also conspired with the auction bidder to prevent my right to due process and hearing of my timely objections to the faulty foreclosure auction. I have raised these issues in a multi-year court battle ; yet XXXX XXXX continues to engage in knowingly malicious bad acts. They have admitted their errors in Court documents, yet they refuse to take corrective actions. It is unacceptable and must be addressed. It has cost me years of my life, tremendous financial distress and the loss of home in spite of my multiple, assertive efforts to satisfy the full judgment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with TransUnion on XX/XX/XXXX regarding inaccuracies within my credit report. they remove the collections account but they did not address the hard inquiries I put in my dispute. The credit report contains credit inquiries that I did not make. The FCRA states that the only permissible purpose for pulling someone's credit for : 1. Firm offer of credit 2. Insurance 3. Employment 4. Court order The Following credit inquiries are related to none of the aforementioned permissible XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) I would like these four credit inquiries to be removed from my credit report and to be sent an updated copy once these have been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In violation of the Fair Credit Reporting Act ( FCRA ) Experian gave itself the right to edit my requested personal statement to reflect Experians own personal biased and retaliatory Statement to cause me more imminent irreparable damages. I attached two photos from a related legal file to be used in court of law. The two photos show the above undeniable fact about Experian violation of the FCRA .today isXX/XX/2019, Experian not only is taking over 30 days or about a month and half to delete the wrong already disputed before collection about the same thing alleged over and over by XXXX and/or XXXX hired collection companies within Experian who deleted that alleged thing before and in many times, but now Experian is engaging now in clear fraud against my information by stating information that does not represent me and I never consent to it. I challenge Experian to bring one single convincing evidence that the statement appearing on my credit report with Experian as shown on the photos is my statement exactly as I requested. 


Experian stop your fraudulent transactions against my information. You will be sued and rights reserved to Do so at any time without notice until you receive a summon. 



All stated herein is to the complainant current states belief, knowledge and understanding and it is all subject to anything or any change or any correction by him only at any time without any notice and without waiving his rights. 



Thank you, XX/XX/2019 The complainant
Product: Debt collection

I am very distressed AFNI have included the below information in my credit profile due to its damaging effects on my good credit standing. I have contact  XXXX   XXXX   XXXX   XXXX  they have never heard of me as a matter of fact I 'm not in the system of there 's. As AFNI are no doubt aware, credit reporting laws ensure that   XXXX   XXXX  &  XXXX    only report accurate credit information. No doubt the inclusion of this inaccurate information is a mistake  on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a home, better paying job and car for my family which was highly embarrassing and has negatively impacted my lifestyle.   I 'm sure you 'll agree it needs to be removed as soon as possible.   The following information needs to be verified and deleted from my credit report as soon as possible : CREDITOR AGENCY - AFNI Original Creditor -  XXXX   XXXX   XXXX   XXXX  {$510.00} Please delete the collection above asap possible.      XXXX   XXXX   XXXX   XXXX  Illinois  XXXX   XXXX
Product: Checking or savings account

On XX/XX/XXXX, I checked my account and became aware that Citizens Bank reposted XXXX transactions that were already deducted on XX/XX/2020. Phone calls to XXXX branches resulted in no information. Agents did not know what was going on. No statement was made by Citizens explaining whether this was a hack, an error, a glitch? To this moment, Citizens has still yet to issue a formal statement about this nationwide error. 

I would like to know how Citizens Bank will be compensating me for this error. When I make an error, Citizens charges me {$35.00} per error. In fact, they used to reorganize transactions to make it more profitable, creating snowballing fees that were more lucrative for themselves.
Product: Debt collection

I have been disputing these accounts for a while. They do not belong to me. Please remove them and all negative remarks that came with them. I am a single mother who has had issues obtaining credit because of these negative remarks. I have attached my identity theft report. If you need any extra info please send me a fax number I can use to correspond with you.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts be blocked and deleted from my credit report due to my victimization in a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be immediately removed from my credit file to safeguard my personal information. 
Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There a couple of accounts listed on my credit report that aren't mine. Please remove them.
Product: Credit reporting or other personal consumer reports

Experian, Equifax, and TransUnion are knowingly reporting inaccurate and unverifiable late payments, despite my multiple disputes over the past 18 months. This is a clear and willful violation of the Fair Credit Reporting Act ( FCRA ). 

I have disputed these late payments multiple times and requested verification, but : No proof has ever been provided. 
No payment records confirming I was late have been sent. 
No legally required 21-day written notice has been produced. 
No proper reinvestigation has taken placeonly an automatic verified response. 

This is a violation of my consumer rights, as credit bureaus are prohibited from reporting inaccurate, misleading, or unverified data. 

Laws the Credit Bureaus Are Violating : 15 U.S.C. 1681e ( b ) Credit bureaus must maintain maximum possible accuracy and can not report unverifiable data.

15 U.S.C. 1681i ( a ) If an item is disputed and can not be verified with proper documentation, it must be deleted.

15 U.S.C. 1666b The creditor was legally required to send a written notice before reporting a late payment, and no proof of this has been provided.

15 U.S.C. 1681n & 1681o These laws allow consumers to seek damages for willful or negligent violations of the FCRA. 

Requested Resolution : Immediate deletion of all late payments from my credit report due to violations of FCRA laws.

Written confirmation within 15 days that these late payments have been removed.

If no resolution is provided, I will escalate this matter to the Attorney Generals Office, the Federal Trade Commission ( FTC ), and seek legal action for damages caused by negligent credit reporting. 

This is my final attempt to resolve this issue through the proper channels. If these inaccuracies are not corrected immediately, I will take further legal action
Product: Debt collection

For several months we have been receiving letters from AFNI stating we owe XXXX {$6300.00} but they are willing to settle for {$3100.00}. I have never had an account with sprint and there is nothing on my credit report related to unpaid XXXX bills. If I have in fact been turned over to a collections agency for a legitimate balance due I would expect to see that delinquency history on my credit report. I have notified this company this is not my debt. I refused to give my SS # because I believe this to be a scdam.
Product: Debt collection

I received multiple emails from Arcon Credit Solutions for a debt from the XXXX XXXX XXXXXXXX that they purchased and wanted to receive a settlement on. But, this debt is not mine, I have never opened an account with the XXXX XXXX  XXXX and never even left California in my life. I have tried to contact them through email and phone to learn how to dispute the debt but there was no response. I would like to know how I can dispute this debt as it is not mine and do not want it to possibly affect my finances.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Hello my name is XXXX XXXX and I have a problem I really need your help with this. This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT.