23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a longtime customer of XXXX. I had all of my phone, TV and internet service with them. In XX/XX/XXXX, I received a bill for XX/XX/XXXX that was increased. I called to find out why and was told that the TV package had increased in price. I asked them if there was a promotion or discount to continue the service as-is and was told no. Not wanting to pay more for TV service, I contacted XXXX  for a quote on TV, home phone and internet access and based on the lower quote than XXXX  I decided to transfer my service to XXXX. I also contacted XXXX and transferred my cell phone service to them. I called XXXX  to transfer my cell phone # to XXXX. I subsequently ordered all services with XXXX cancelled. I returned the XXXX  router, DVR and modem to XXXX  using XXXX shipping information provided by XXXX. I thought that by returning the equipment and cancelling the services that I was done with XXXX. Unfortunately I continued to be billed for XXXX services for TV, home phone and internet, even though I had cancelled the service, returned the equipment making it impossible to access the XXXX  service, and had transferred my service to XXXX and XXXX. Today I received a threatening phone call from a collection agency claiming that I had not cancelled the XXXX services and owed @ {$500.00}. They said that a 'good consumer ' like me should not want an account in collections, and while the information had not been reported to the credit reporting agencies, that it was in my interests to resolve this by PAYING THE DISPUTED AMOUNT AND REQUESTING A REFUND FROM ATT once the dispute was resolved! This sounds ridiculous to me and is tantamount to a con. I told the collection agent that I would be contacting the CFPB to file a complaint. I really feel that large companies like XXXX make it difficult for consumers to cancel services, and even when cancelled and no services received by the consumer, continue to bill them so that XXXX  can inflate its customer base and revenues. Today I received another phone call from another debt collector for this account. Specifically, I was called by Diversified Consultants, Inc. ( DCI ), to collect {$450.00} on behalf of XXXX. DCI 's reference # for this account is XXXX. They were polite and asked that I submit a dispute on their website www.dcicollect.com, which I will do. I told them that I would be filing this complaint with the CFPB as well.
Product: Debt collection

I have collections in my name on my credit report, that 4 of them had health insurance at that time and the place where I attended did not get to communicate with my insurance, time passed and the insurance was no longer able to pay the bills because their estimated time to send the request to do so passed and they never contacted my health insurance again. and number 5, the amount is {$640.00}. I have proof from my medical insurance that the bill was paid at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a valid FTC report from FTC.gov, to Experian on XX/XX/2021. Experian has refused to block the fraudulent information on my credit report, resulting from identity theft. I mailed all required identification documents via certified mail. I spoke with two separate representatives on two separate dates ( XX/XX/2021, XX/XX/2021 ). The first agent informed me that my information would be processed and blocked by then end of the business day. I called back on ( XX/XX/2021 ), I was informed by a separate agent that my information would not be blocked. The agent also suggested that I file a CFPB complaint regarding this issue.
Product: Debt collection

According to Citibank, secured credit card was opened XX/XX/XXXX. Informed Citibank in XX/XX/XXXX this was not my account after seeing it on my credit report. Per Collection agency at the time, account was closed XX/XX/XXXX and I had no choice but to pay to get it off my credit report. informed agency it made no sense to open an account and then close it less than a year later and that it seems to be fraud but Agreed to pay XXXX dollars to have it removed, payment made XX/XX/XXXX debt was removed temporarily, then placed back on my report. XXXX I applied for a mortgage an found the debt back on my report. Called Citibank to inform them I already paid to have removed in XXXX and that this was not my debt, I have NEVER had or applied for a secured credit card from Citibank and was told I have no choice but to pay it because there are no notes on the account stating that I was paying to have account remove from credit report. Was then transferred to another department to pay debt AGAIN, but then informed by agent I would have to visit a branch to pay/ have removed. Visited Citibank Branch located at XXXX XXXX XXXX XXXX XXXX IL. on XX/XX/XXXX spoke to branch manager who sates she can't take a payment because the debt is not valid, there is nothing to post a payment to, told me to call XXXX number AGAIN, and tell them to remove debt. called the XXXX number back for the 4th time only to be directed back to the branch. refused to take any payment. So, I can't pay it or have it removed, and keep getting routed in circles.
Product: Student loan

I asked for a delay in payments. it was granted. late payments were reported during delay.
Product: Credit reporting or other personal consumer reports

I am currently a XXXX veteran XXXX XXXX XXXX XXXX XXXXXXXX. I became aware of a debt XXXX  XXXX # XXXX for {$12000.00} that is not my debt. I sent in a dispute to XXXX and XXXX and they sent a letter in return saying this account is verified. I asked the company to send me proof of debt and they did not. according to 15 USC 1681B. the credit bureaus are to report accurate information. in this case they did not. this has caused irreparable damages to my XXXX XXXX and this false negative collection. accounts must be removed asap for shame investigations by XXXX XXXX and transition. remover the following collections from my credit profile now XXXX acct # XXXX {$3500.00} XXXX acct # XXXX {$12000.00} XXXX  XXXX {$10000.00} remove this items now so my credit profile can report accurate information according to the fcra. The CFPB found XXXX violated the FCRAs requirements for investigating and processing consumer disputes and assuring maximum possible accuracy of information on its consumer reports. The CFPB also found that XXXX violated the law by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. Specifically, the CFPB found XXXX harmed consumers by : Failing to thoroughly investigate consumer disputes : XXXX process for submitting disputes limits the ability of consumers to fully and accurately describe their disputes. In many cases, XXXX also failed to consider relevant information submitted by consumers, sometimes not looking at the information at all. Then, after XXXX forwarded information about a dispute to a furnisher, it did not meaningfully consider whether the furnishers response made sense, sometimes ignoring information it had that contradicted the furnishers response. Finally, the resulting letters XXXX sent to consumers sometimes contained confusing or contradictory statements, such as both this has been verified as accurate and this item has been deleted. Putting previously deleted errors back on credit reports and failing to block identity- theft related information : XXXX did not have systems to detect information that was previously removed and block that information from again appearing on the consumers credit report. In addition, XXXX also had no process to identify situations where a consumer is forced to send another dispute about the same inaccurate information because XXXX failed to correct the information the first time, or because XXXX reported information that had previously been corrected. XXXX policies limited consumers ability to dispute inaccurate information being put on their credit report. Finally, XXXX reported credit information that it should have blocked because the information resulted from identity theft. Sharing inaccurate credit scores and data about consumers with lenders : Coding errors in XXXX internal software caused the company to miscalculate and share inaccurate credit scores for several hundred thousand consumers. The company also reported the same credit accounts multiple times for more than 50,000 consumers.
Product: Checking or savings account

My cashapp account was overdrawn by XXXX . I emailed cashapp support and was told it was because a transaction of XXXX $ that I made on XX/XX/21 was being disputed from bank account # XXXX. First issue is that I do not have a bank account ending in # XXXX. The second issue is that when you look back at my transaction history on cashapp, there is not a single transaction posted on my account from XX/XX/21. They refuse to help me solve this issue and they keep trying to debit my bank account for XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX WASHINGTON DC, XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 


this was an unauthorized inquiry On XXXX and XXXX   and equifax but, when I check my credit score though XXXX   ( XXXX XXXX ) It shows US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Who in the XXXX knows why the same bureau reports differently I called the number at Small Business, the receptionist said they had hundreds of complaints and transferred to a line where it said the wait was over 2 hours, I was 109 in line. 

These credit bureaus need to be doing a better job. Now I have a credit alert for their failure and jerk around with credit freeze
Product: Credit reporting or other personal consumer reports

I'm a survivor of wholesale fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another credit and these mistakes are causing an issue with my XXXX ratings detailing appropriately, so any assist you with canning give me with refreshing this data straightaway would be extremely valuable. We are hoping to purchase a house. If it's not too much trouble, help
Product: Checking or savings account

I reported a transaction with XXXX where I purchased in XX/XX/2021. Because I got Covid and was involved in a vehicle accident and in the hospital for 43 days, I could only try on and subsequently send the merchandise back to the retailer in late XX/XX/2021. The merchandise did not fit because of my hospitalization I became a different size. I purchased online and returned the items thru UPS. The retailer received the items and never credited my account. I gave them 60 days and called several times about this situation. I couldnt get any help because the store said they received the items but they werent scanned for some reason which is why I wasnt refunded. Shortly before 60 days I called and reported this situation to my bank. I requested a full refund for {$1400.00}. 

Chase Bank issued a credit in the amount above and proceeded with an investigation. Yesterday they decided to reverse the temporary credit of XXXX. Prior to taking this money back they offered me no explanation or relevant documentation about why they think this charge is valid. I need my money back. I have a good record with the bank and I dont have problems such as this before. I am attaching three pictures of the items I bought and of the company XXXX acknowledging the return and the pictures also show I was not credited for the returned items. So at the moment Im out of both cash and the items I purchased. A double loss. Its now the banks job to help me. I followed all rules and regulations
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/year>2024 with a balance of {$500.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

I made a student loan payment on XX/XX/XXXX through Mohela, my student loan provider. I called Mohela on XX/XX/XXXX and requested a refund for this payment. I was informed by the servicer that I would not receive this refund for many months. I was also informed that I would not receive a confirmation that the refund request was processed. Mohela said my loan balance will not be reinstated with the refunded amount until I receive my refund, which they said was going to take a very long time. 
I am concerned that I will not receive my refund before XX/XX/XXXX, which is the government deadline to submit a loan forgiveness application in order to not accrue interest starting on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, an account under XXXX XXXX was opened in my name, which was subsequently closed on XX/XX/XXXX. This account shows no balance and no transactions ; however, it was charged off as bad debt without reflecting any specific amount. 

On XX/XX/XXXX, I contacted XXXX  XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, to notify you of a fraudulent account that appeared on my credit report. I provided a fraud affidavit, a police report, and an FTC identity theft report as supporting documentation. Despite waiting for a response, I did not receive any communication from your team. 

On XX/XX/XXXX, I sent a follow-up letter via U.S. mail XXXX reiterating my previous communication and resubmitting the documents. To date, I have not received any response regarding this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts I listed below. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 



In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

, 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 1681c. ( a ) ( 5 ) selection states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate. 
The items on the ACCOUNT are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I contacted XXXX XXXX with home point financial literally almost 3 months ago. He assured me and my wife that this would close back in XXXX. So we would miss the XXXX payment but as usual with this company and this particular loan officer that didnt happen - my wife paid XX/XX/XXXX the total amount and all we get for excuses is that its in underwriting. This was supposed to be simple Refi no doc etc. I closed faster buying this house the first time. If they dont close by mid month I have an attorney ready to contact them be we have recorded voice mails and recordings from XXXX XXXX saying we would close in XXXX and miss XXXX payment which we didnt and Im Not playing the games. Hes a liar like the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : Balance : {$18000.00}
Product: Checking or savings account

Merchant Name : XXXX * XXXX Transaction Date : XX/XX/XXXX Transaction Amount : $ XXXX Transaction Id : XXXX Claim Amount : {$510.00} Claim Date : XX/XX/XXXX This letter serves to inform you that we have reached a final decision regarding the claim mentioned above. 

After conducting a thorough investigation, we have determined that no error has occurred, and as a result, your claim has been denied. Our investigation involved a review of the information provided during the claim submission, as well as an examination of internal account records. Additionally, we collaborated with the merchant, other financial institutions, and our card processing networks as necessary. This claim is now closed. 


The XXXX listing was fraudulent and was an empty lot. XXXX has then disabled my account and Sofi has rejected my claim and refuses to supply additional information
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureau stated the XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was reporting accurate and im trying figure how that is possible if the there is not an account # number and the date of last activity is not reporting correctly on all 3 bureaus which is ground for automatic removal.

They also violated my rights under the 15 USC 1681 section 604A section 2. The law clearly states that a consumer reporting agency can not furnish information on my credit report without my written instruction, and they clearly violated my rights.

They also violated my right under 15 USC 1681 section 611 ( 2 ) ( a ). The law clearly states the credit Bureau has 5 days to notify me from the when they receive my disputes they didnt.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( i ). The law clearly states that if an item on a credit report cant be verified and its inaccurate it needs to be removed.

All in all the point of the FCRA is make sure consumers rights are not violated and the credit bureaus use an E Oscar system to do disputes which is not what is required from them saying account inaccurate and not doing an investigation and have to send me anything showing how they investigated these accounts. See attachments for the account above show how inaccurate they are and was said to be accurate..
Product: Credit reporting or other personal consumer reports

Equifax is reporting XXXX accounts under XXXX XXXX that have been removed from my XXXX report due to inaccuracy. Despite their removal elsewhere i have shown proof of removal yet Equifax refuses to delete these accounts. This situation appears to breach the Fair Credit Reporting Act ( FCRA ), specifically violating FCRA Section 611. I am seeking prompt resolution in accordance with this code.
Product: Credit reporting, credit repair services, or other personal consumer reports

I needed to have my account up dated. I have never lived at XXXX XXXX XXXX, XXXX, OH XXXX This addresss is showing on my credit report and it is not my address. I have not lived at this address either XXXX XXXX XXXX, XXXX, OH XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX My employer is XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX. my name is XXXX XXXX XXXX please remove any other variations of my name.