23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, and only Equifax, shows a XXXX account that does not belong to me. I contacted XXXX  and they verified that I do not have an account with them and recommended I file a dispute with Equifax. I filed the dispute, but Equifax says that XXXX verified that the account belongs to me. I also received a letter from XXXX stating " they are unable to update the credit report because to remove authorized users from credit reporting the authorized user must be removed from the account ''. I called XXXX again and explained that someone had committed fraud and that the account is not mine. They said I am not in their system so they can not do anything about the account because I am not in their system. I told them the reason I am not in their system is because I do not have an account with XXXX The representative just kept saying there was nothing she could do because I am not in their system. Their letter also said that if I have any questions regarding the matter I should call the number on the back of my card, which I can't do because I don't have a XXXX card because I don't have a XXXX account. For some unknown reason XXXX simply has no interest in contacting whomever it is they are sending the bills to in an effort to straightened things out, so at this point I am left with no other choice than to file a report for fraud.
Product: Debt or credit management

I was contacted by XXXX XXXX on XX/XX/XXXX who claimed he was a Relationship Manager with Keybank calling to offer me a home Loan Modification. He offered to place me in a loan mod program reducing interest rate and my monthly mortgage payment if I agreed to pay {$1900.00} that day and then set up 3 additional payments for {$1000.00}. so far I have paid XXXX XXXX, XX/XX/XXXX - {$700.00} ( paid by my mother ) & XX/XX/XXXX - {$300.00}, and I am scheduled to make another payment {$1000.00} on XX/XX/XXXX. I was given the following instructions to take the funds call them form the parking lot and they would sent me a bar code to my phone. Go inside XXXX and inform the cashier I wanted to add money to my XXXX  and show the barcode from the cashier to scan. Once the payment it made to take a picture of the receipt and send it back to them as an attachment to the email they initially sent me. I reached out to KeyBank because the number the guy called from has a XXXX area code and normally Keybank contacts me from a XXXX area code. So when I provided the Keybank rep with the following numbers I was contacted from : XXXX, and XXXX she replied those were not in the companies directory nor was the XXXX XXXX XXXX name coming up in the company 's employee directory.
Product: Debt collection

My account has been passed from one collection agency to another. The lastest one is XXXX XXXX XXXX. They are hard to reach and XXXX gave me a hard time and the run around. He also refused to let me speak to a manager or supervisor. He also blocked my phone number so I could n't call back. 

I originally called to negotiable a lump sum settlement for {$700.00}. I received a letter from However, I could n't complete the transaction because of XXXX 's behavior. 

I was able to speak to a female account representative who was willing to accept my offer. Unfortunately, when I called back to give her my fax number, I got XXXX.
Product: Credit card

I had questions about interest charge on my XXXX XXXX credit card for the month of XX/XX/XXXX thru XX/XX/XXXX. I called the service line and spoke to a representative first. Based on my monthly statements, I made payment for partial of previous balance due and interest was not assessed based on unpaid balance amount. She could not provide me a clear explanation and just stated that's how the system works. I requested to speak to next level person and was transferred to a billing accountant. She told me that the whole balance due is subject to interest regardless of any partial payment is paid timely. I told her the way interest charged doesn't make sense and Capital XXXX is absolutely wrong to over collect interest unfairly from their customers! She said that XXXX XXXX will do nothing to correct that. She also stated that no next level of person I can speak to escalate the issue.
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX ), XXXX XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of XXXX XXXX and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit cards accounts opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX with a balance that appears related to the aforementioned personal loan account opened at XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 XXXX XXXX and fraud. I have attached a copy of FTC XXXX XXXX XXXX  Complaint XXXX  ( XXXX ) 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

Logging into my account this evening, I once again noticed a retroactive forbearance on loan sequences 1 and 2. I called XXXX XXXX on XX/XX/19 at XXXX EDT and spoke with employee ID XXXX. Employee XXXX told me that I previously requested that be fixed in XXXX and XXXX complied but decided to re-add the retroactive forbearance. The representative was unsure why that occurred and noted that someone at XXXX requested it be removed once again. I am absolutely baffled with what is occurring with my account and want to be sure that all payments made on loan sequences 1 and 2 can count under PSLF. This issue was previously fixed in response to CFPB complaint XXXX-XXXX.
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 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/year> under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/year> with a balance of {$450.00} that appears related to the aforementioned personal account opened at 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 and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Mortgage

My LTV is at 77 %, I have never missed a mortgage payment, and have been paying PMI since XXXX. 

A written request to remove PMI from my conventional TIAA bank mortgage was denied, citing that I need my loan at 70 % LTV. 

My original written request was submitted in XX/XX/XXXX and just last week XXXX XX/XX/XXXX XXXX was the first time I was able to connect with the right person at TIAA to address this.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Mortgage

I received a letter from my home Insurance company that the insurance was not paid by the mortgage company and therefore my Insurance was cancelled, XXXX took over the mortgage on XX/XX/XXXX and failed to make a payment before XX/XX/XXXX, My current Insurance company no longer operates in California so they will not renew the insurance, My new insurance will now be XXXX an increase of over XXXX from my previous insurance which was XXXX a year
Product: Credit reporting or other personal consumer reports

I have disputed this account numerous times which it does not belong to me it was removed then reapplied when i send my letters to experian they wont dispute because they say the letters do not look like they are from me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate. The following accounts listed on my report contain errors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquirie According to the Fair Credit Reporting Act ( FCRA ), I have the right to request that inaccurate information be removed from my credit report. The FCRA requires that credit bureaus investigate disputed items and correct any errors within 30 days.

I believe that the above-listed accounts contain errors in the form of incorrect balances, inaccurate late payment reporting, and/or incorrect dates. As such, I request that you investigate these accounts and correct any inaccuracies as soon as possible.

I also want to express how deeply concerning and stressful it is to have inaccurate information on my credit report. It affects my ability to secure loans and credit, and it can impact my financial well-being. I urge you to take my dispute seriously and promptly investigate and correct any errors on my credit report.

Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX
Product: Checking or savings account

On XXXX of 2023, my account was frozen an i could not sign in or have any access to account. When i called the bank they told me i had to send a notarized letter so they can comunicate with me. Since i was outside country i wasnt able to provided this information. On XXXX of this year when i returned to the country i called the bank again but they were able to verify my identify by sending a text to my phone. It was the bank was able to communicate with me and they explained that my account was closed because i didnt sent the notarized letter as requested. They then explained that the account was put on hold because of suspecious activity. When i asked about the funds that were in the account they explained that it was sent to unclaimed property. When i asked what in what state for unclaimed property they explained they didnt know. I continued to call several weeks later until someone from the bank XXXX department was able to reseach further on my account and agreed to reopen a new account for me and have the funds that was in the other closed account put into the new account. On XXXX the new account was opened and i was told to wait for the funds to be returned. Today is XX/XX/XXXX and the funds has still not been put in the new account like they explained. I have been calling weekly only to be told to just wait. XXXX is able to give me qny other solution and i have been waiting for 3 months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted 4 disputes to Equifax regarding late payments on my report that are not accurate. I submitted letters via certified XXXX mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Each letter requested them to investigate, and my statement was : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

Following each letter Equifax responded with an updated credit report, with each account status listing : THE CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THE PRIOR PAYING HISTORY ON THIS ACCOUNT HAS BEEN UPDATED. 

Each of the 4 letters was responded to in a way that they failed to respond to my request at all : 1 ) I was not disputing the current status ; I was disputing the erroneous negative payment history ; and - 2 ) No prior payment history was updated at all. The erroneous negative payments are still showing, and they have provided no proof. 

My dispute letters are attached.
Product: Credit reporting or other personal consumer reports

Request for Assistance in Identity Theft and Noncompliance by XXXX XXXX XXXX Dear Consumer Financial Protection Bureau , I am writing to formally request your intervention regarding a serious and ongoing issue involving identity theft and noncompliance by XXXX XXXX XXXX ( XXXX ) . Despite my numerous complaints and requests for assistance, the company has failed to take the federally mandated actions required to protect me as a victim of identity theft. 



Since XXXX of this year, I have repeatedly informed XXXX that my Social Security number and personal financial information have been compromised. An unauthorized individual, XXXX XXXX, has been able to access my personal loan details and link their XXXX account to my financial institution account. I have submitted multiple complaints, provided documentation, and escalated the matter to different supervisory levels within XXXX from XXXX through XXXX. Unfortunately, the companys response has been inadequate, and my efforts have been ignored or denied. 



Despite issuing a 10-day demand letter to cease and desist the unauthorized activities, XXXX has failed to comply. Specifically, I have requested the following : 1. Issuance of New Account Numbers : To prevent further access by the perpetrator, I have repeatedly requested new account numbers. XXXX has denied this request. 

2. Account and Payment History Documentation : I have asked for detailed records of my loan payments and the names and account numbers currently linked to my account so I can pursue criminal charges and file complaints with the FTC and the Texas Attorney General. 



XXXX refusal to act has directly resulted in continuous breaches of my privacy, compromised loan accounts, and damage to my credit score. The companys failure to comply with federal laws designed to protect identity theft victims is unacceptable and has left me vulnerable to ongoing abuse. 



I request that the CFPB escalate this matter immediately and compel XXXX XXXX XXXX to : Issue me new account numbers to prevent further unauthorized access. 

Provide a complete account and payment history, including the names and account numbers linked to my loan. 

Ensure compliance with federal laws requiring businesses to protect identity theft victims. 



I have taken extensive measures, including seeking protective orders and reporting the issue to civil courts, the FTC, and the Texas Attorney General. Despite my efforts, XXXX continues to bypass any resolution attempts. I urgently need your assistance to ensure that my rights and financial security are safeguarded. 



Please feel free to contact me if additional information or documentation is required to expedite this matter. Thank you for your attention and support.
Product: Money transfer, virtual currency, or money service

I am filing a complaint again Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I noticed that a hard inquiry was processed by XXXX on my TransUnion report. I contacted XXXX on XX/XX/XXXX and notified them if fraud. They did their internal investigation sent it up the ladder and closed the account sending a request for deletion to the bureaus. In XXXX I checked back and my information still was not updated in regards to deleting the fraudulent inquiry. On XX/XX/XXXX they sent another request for deletion. All the bureaus except for TransUnion removed the fraudulent inquiry. Now a year later I am still contacting XXXX and TransUnion to have this removed. I am told I need a letter from XXXX stating the fraudulent inquiry was indeed fraudulent. XXXX tells me they can't produce such a letter. I've attempted to fill out FTC reports and mail them to TransUnion to expedite the process. The one I mailed in XX/XX/XXXX still never reached their office. I have been in hold for 12 hours with XXXX going back and forth between departments getting the run around. And TransUnion has been less than cooperative in resolving this issue staying they have no records of the request even when the other bureaus have acknowledged receipt of the request. It should be noted and tracked that another request ( the third request ) for deletion was placed in XX/XX/XXXX.
Product: Checking or savings account

The bank sent 10 page letter discussing changes that will be made to account. It is full of acronyms and XXXX. I asked rep to simplify the letter but they were unaware of what I was talking about. Shouldnt banks communicate in simple terms and be brief? Ten pages is way too much for normal customers to digest!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation to under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

My accounts were always on time! With XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic st
atement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Money transfer, virtual currency, or money service

This is Cashapp..my friend sent me {$270.00}, she showed me transaction completed the ID and screenshot it to me..Cashapp said may be wrong account and i have only ever had XXXX account so where is my XXXX They claim they dont see that transaction id so it disappears cause I didnt get it and I have no contact with the young lady
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get the Hard Inquires on my credit reports removed as I did not give permission to these companies to check my credit I have talked to XXXX   and XXXX XXXX and both say they can not and will not help fix these I have called the companys where i could get info on them and they dont and wont do anything even though they can not show where I gave them permision to run credit reports on me all this happened on XX/XX/2018 some even did i hard inquiry twice on the same day I have not tried with XXXX becuase when I try to look and see details they want me to pay also with experian there is a collection for $XXXX and again I cant see who but I have proved this was wrong if it is from a dr on both other credit bureausI am attaching what info I could get from the the credit bureaus on the names and info on the Inquirys they did not really want to give me the info