23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I recently applied for a loan for a home to find out that there was a fraudulent pull on my credit from Walmart for a credit card. This inquiry is impacting my credit and needs to be removed. I was advised by their CS line that I needed to call XXXX. However they advised me that I needed to call Walmart. No help at all XXXX Need removed
Product: Debt collection

I have XXXX collections on my reports that I never applied for. I would like them immediately deleted. Please see attached letters to the creditors and the collections companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I get an alert from XXXX XXXX there a collection in my credit report from L J Ross Associate. I have NEVER been contacted by them nor know anything about this. I call XX/XX/20 XXXX And get XXXX which asked me was my social 3 different times 4 different last digits on a social I said NO. He said hold on came back and said idk dispute it with the credit agency its my job. Very unprofessional and weird. I asked for a manager and XXXX got on the phone said the same and that my name was similar but they had a couple numbers close to mine???? First, no debt validation, signed contract, proof of debt, what the debt is has ever been provided! This is beyond crazy. I explained I will contact CFPB and they said you could t do anything and hung up!!!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for Search failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours ( 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.
Product: Credit card

Purchased a home, submitted XXXX for XXXX XXXX. XXXX was denied by XXXX  lender. Earnest money was NOT retuned. That is Fraud on behalf of XXXX XXXX  and M & T because of the good faith clause placed in the USC for this exact purpose CFR 1026.12 Special credit card provisions states clearly that if you have tried to return an item in good faith an they have refused you are liable for {$50.00}. 

This is clear that I have done the diligence to support the Regulation Z requirement, yet have not been issued the credit due by your bank. Please advise as this is a clear violation on your part, see attached where the CREDIT CARD WAS USED. Please verify and send the funds to the account immediately as it is a consumer right. Also Earnest money is defined and clearly stated as refundable due to the financing contingency.

NONE OF THIS OR THE ADVERSE ACTION IS MENTION IN ANY CORRESPONDENCE. EARNEST IS NOT TO BE USED AS EARNED MONEY, THAT IS A REGULATION Z VIOLATION ALSO.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported a 2013 collection that doesn't belong to me and has not been validated
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 TransUnion 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  XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX and XX/XX/XXXX. 
Nature of Complaint : I submitted a dispute to TransUnion 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 : The reported late payment was a result of a clerical error in processing my support payment. My payment was made on time, as confirmed by my bank records, but it was mistakenly recorded as late due to an internal error within the XXXX XXXX  XXXX XXXX. This error led to an inaccurate reflection of my payment history on my credit report. 
Evidence provided : Bank statement showing the payment made on time. 
Correspondence from XXXX XXXX XXXX acknowledging the internal processing error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion 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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. The account in question is XXXX XXXX # XXXX date opened is XX/XX/XXXX. Since charged off the date of last activity has be inconsistently updated across all three credit reporting agencies, Transunion reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, and XXXX reports XX/XX/XXXX. If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account from my reports.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my phone was stolen from my home, and the XXXX men who took it proceeded to login to my cashapp account and immediately began trying to transfer money to themselves and other people from my account. Here is a list of those transactions and their outcomes : XX/XX/XXXX XXXX - Payment to XXXX XXXXXXXX - {$500.00} - Payment was canceled for my protection. 
XX/XX/XXXX XXXX - Add Cash from XXXX XXXX XXXX - {$200.00} - Failed ( no reason given ) XXXX XXXX - Payment to XXXX XXXXXXXX from Cash app account - Completed. Refund Request declined. **** XXXX XXXX - Payment to XXXX XXXXXXXX from Bank Account with XXXX - Completed Refund Request Declined. **** I reported these fraudulent transactions to cashapp. The final XXXX transactions were deemed ( incorrectly ) by cashapp support to be legitimate. This is despite the fact that the {$100.00} charge is being disputed through XXXX and was refunded by them when the transaction was deemed to be fraud. When i followed up with Cashapp Support and asked why given all the evidence i supplied, what evidence did they have that the transaction was legitimate. They sent me an email that promised to contain the evidence that supported their ruling. Unfortunately, the only documentation they provided was XXXX page and only listed the transaction, with no supporting evidence attached. They did not refund me my money which was stolen on the basis of NO evidence, even tho i notified them of the theft AND provided evidentiary support of fraud. The letter also said that I had no recourse to challenge the ruling. They are stealing peoples money, and enabling others to do so.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft I have sent it letters to the company as well as to the credit bureaus to stop reporting inaccurate information, I was told over the phone that the account came back verified. I requested documentation bearing my signature of any promissory notes, or anything I signed, nothing was provided.
Product: Debt collection

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( I.E : an original consumer contract with my signature on it ) That you have on file for the account listed below. Or a certification from the creditor that certified the accuracy and completeness of the information/account
Product: Debt collection

Credence Resource Management XXXX XXXX XXXX XXXX XXXX account fraudelent opend in my name ). 

Never had XXXX XXXX XXXX XXXX, I found out about it as I attempted to open another phone line & they refused due to the amount owed of {$410.00}. It also a collection bill on my credit that I asked to be removed due to identity theft. I have filed police reports, etc, about this & other issues that have arised over the years. 

It says it was opend 4 months ago ( I also asked for it to be closed they said they couldn't close it due to balance owed ). I also reported & spoke with XXXX XXXX XXXX as well as XXXX XXXX, & Credence.
Product: Checking or savings account

I recently became a XXXX XXXX leader along with another woman, and went to TCF bank XXXX XXXX XXXX # XXXX on XX/XX/2019 to have the existing XXXX XXXX XXXX  account transferred to myself and the other new leader and to have the former leaders removed from the account. We answered questions, showed ID, and filled out paperwork and were told at the branch that the retiring leaders had been removed and that myself and the other new leader were now the holders of the account. 

On XX/XX/XXXX and again on XX/XX/XXXX the former holder of the account, who is no longer an authorized user, received mail regarding the account. On XX/XX/XXXX XXXX called TCF at XXXX to advise them that they were sending mail to someone who is no longer an authorized user on the account. I spoke with " XXXX '' ( teller # XXXX ) who refused to update the address over the phone even after I stressed that by failing to do so they would be sending my financial information to an unauthorized third party. Because I work full time I will be unable to visit a branch in the near future.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX,XX/XX/XXXX, XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XX/XX/XXXXadd a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX add a hard inquiry on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report
Product: Checking or savings account

After opening my online savings account at Laurel Road I have been on the phone with them every day since funding the account. Upon funding the account the account was immediately frozen with no time line for resolution. Laurel Roads explanation is that they are investigating me for suspicious or fraudulent funding sources. Every representative at Laurel Road that I speak to gives me a different set of instructions or requests different information to verify my account including requests for sensitive information regarding the funding source. If funding sources need to be verified they should be verified prior to taking my money and freezing it in an account I no longer have access to. A simple way to verify a funding source legitimacy that other financial organizations utilize is to send one or two small deposits to that account and then have the legitimate account holder verify those amounts. Taking and holding the funds for an extended period of time with no resolution or being willing to send the funds back to original source if Laurel Road is not comfortable with verification methods available to them is wrong and inappropriately ties up my access to my accounts and funds.
Product: Debt collection

I responded to an online Ad for a free consultation with XXXX XXXX. I had an appointment and signed an agreement to accept their services. Their contract has 3 days right of recession which I exercised to cancel. Based on my understanding and calculation XXXX days cancellation rights ended on 3rd business day from the time I signed not including week-ends. I was not aware or told they include Saturday as their business day. After few attempts to collect the full amount and my refusal to pay for unearned services they reported the incident to the credit agencies. Their actions have tarnished my credit rating unfairly and unjustifiably.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Unknown yet validated account reporting with a partial reference/account number # XXXX which I have been advised by legal counsel is out of compliance with the FCRA XXXX I XX/XX/2020 I contacted the Fair Trade Commission in regarding a suspicious and unknown account found to be reporting on my credit by Equifax. After numerous written requests to remove the inaccurate information I mailed the furnisher and included written Notice to Furnisher of Information detailing their obligation and duty to correct and update inaccurate information as per the guidelines advised by the FCRA. The federal Fair Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). I received no reply and subsequently with advise by the FTC to contact the bureau still reporting the inaccurate fraudulent account therefore, I wrote letters to Equifax detailing the ID theft on XX/XX/2020 and again XX/XX/2020 I advised Equifax of the Identity theft and the fraudulent account and to date I have yet to receive a response and the fraudulently opened accounts is still being reported to Equifax by the unknown furnisher ( See attached copies of letters of dispute mailed ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtain this loan in XX/XX/XXXX. Since the first payment date in XXXX of XXXX, I have never missed a payment and it has always been on time. In XXXX of XXXX I filed bankruptcy, but we reaffirmed the vehicle. I have made a payment every month since then. USAA is who this loan is through and I have called them numerous amounts of times about the loan and payments not reflecting on my Credit Report. I've spoken to my lawyer who has assured me that on XX/XX/XXXX the reaffirmation letter was sent to USAAs Lawyers and that the car payment should show positive on my Credit report. Speaking with several different people and departments at USAA, no one seems to be able to give a clear answer on why it is not and they can not even see the loan on my account, yet I have the loan payment history showing the account number and when it was taken out of my account monthly. I am trying to rebuild my credit and not having this show is not helping it at all. I am at a loss on what to do since the people at USAA can not help me. 

Thank you XXXX XXXX ( XXXX )
Product: Checking or savings account

Truist Bank selected to close their XXXX  checking accounts and move the XXXX accounts to a Truist Bank company named XXXX XXXX. My XX/XX/2023 account statement read I was a " Truist XXXX XXXX XXXX XXXX. Truist / XXXXXXXX XXXX XXXX XXXX sent out information and an agreement the XXXX  account holder 's were required to sign to activate their account. After XXXX, I had been out of the country, and had medical bills to pay upon my return that were due and wanted to utilize my XXXX funds. I also reviewed the information and told I was to receive plastic card to use. I had not received.Due to I needing to pay my medical invoices, I called to many Trusit and XXXX numbers after searching and found Truist owned XXXX XXXX or partial ownership. Most of my calls to XXXX, employees did not provide ownership questions or contact information to account issues. Finally found a contact number after waiting 1 hour plus on each call.The lady and I stroked a conversation, after I told her about not receiving the plastic / debit cards. She clearly stated LOTs of cards were not mailed. Another call, she suggested closing the account to pay my bills. I never had an agreement on fees, etc.. My funds were not avail to pay my bills, no fault to me. Trusit should refund all fees to me & similar situations and not profit for Trusit shortcomings for charging fees like XXXX XXXX has been punished for taking advantage of people. Please see that my funds are returned. As I have called to the phone staff and she has indicated management will not reply to her about the fee charged, as Truist has called the fee with different name. I had no agreement with Trusit regarding this and Trusit taking mine and other funds. When I first opened this account the bank attempted to charge monthly service fee. Trusit has failed to produce a statement with fee deductions.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681 {$600.00} of the Fair Credit Reporting Act " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy. '' ( Furnisher of information to credit agencies ) is a consumer reporting agency and I am the Consumer. I invoke my right to to ensure my private information IS NOT shared as backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution as defined under that title 15 USC 1681 {$600.00} sec. 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Additionally, these companies that furnish information to credit agencies, financial institutions and the Consumer reporting agencies XXXX, XXXX and XXXX DO NOT have my consent to furnish this information and they surely DO NOT have my written consent. Any and all consent to XXXX, XXXX XXXX, ( Furnishers of information to credit reporting agencies ), whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnishers of information to credit reporting agencies ) never informed me of my right to exercise my nondisclosure option. Not only that, 15 SUC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. According to, 15 USC 1681 s-2 ( A ) ( 1 ) A is states " A persons 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. Also, 15 USC 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I AM OPTING OUT OF YOUR REPORTING SERVICES.