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

Phone calls to Equifax, XXXX and XXXX all resulted in the same refusal to verify an alleged medical debt. 
These organizations would only contact a collection agency and verify the alleged amount owed was reported accurate. 
The agencies would not request proof of a legal right to collect an alleged medical debt by receiving a copy of the Chain of Title which the collection agency must possess to legally prove they have the right to attempt collecting a medical debt. 
The agencies told me I must contact the credit collection agency direct and request the information. 
My Demand Letter was sent registered mail and only one of two agencies responded in the 30 days reasonable time. The response did not include the Chain of Title they must possess to establish their legal right to attempt to collect an alleged medical debt. 
I can only make this complaint and seek relief from these alleged medical debts be included on my personal credit reports.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/XXXX with XXXX and 30 days late as of XX/XX/XXXX with XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : 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 XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and i request your assistance in investigating this matter to ensure my rights are upheld. Thank You
Product: Money transfer, virtual currency, or money service

Emails between myself and my contractor  were intercepted and I was sent wiring instructions from a fraudster.

I authorized the wire. 3 days later we realized the fraudulent activity and informed banks and police. Following police investigation they were able to verify the bank account of fraudster had been set up using a false driver license and false social security number. The account was opened at Huntington National Bank and clearly the account holders credentials were not appropriately verified I am still waiting a response from National Huntington Bank
Product: Credit reporting or other personal consumer reports

This complaint is to the General Counsel of EXPERIAN INFORMATION SOLUTIONS. I have disputed with EXPERIAN over the same inaccurate accounts 4 times in a row. I am now fed up because the company has not corrected the inaccurate information, I have repeatedly brought to their attention for some time now. I have even tried to negotiate with this company regarding pre arbitration settlement. I am not being taken serious by this company and this is an official complaint and notice to EXPERIAN along with a letter they will also be receiving in the mail certified with a green return receipt regarding the initiation of arbitration per our agreement.
Product: Mortgage

Subject : Complaint Regarding Deceptive Mortgage Practices by AmeriSave Mortgage Corporation My wife, XXXX XXXX, and I, XXXX XXXX, applied for a {$600000.00}, XXXX fixed mortgage loan in XX/XX/XXXX through XXXX XXXX XXXX XXXX Originator ( XXXX  ID # XXXX ) at AmeriSave Mortgage Corporation XXXX XXXX ID # XXXX ). 

XXXX XXXX insisted we pay an additional {$500.00} fee to guarantee the loan amount and lock our interest rate, assuring us this amount would be reimbursed or applied to closing costs. We complied with his request. 

Throughout the process, XXXX XXXX behaved unethically, misleading us and altering the loan application multiple times. Ultimately, the guaranteed {$600000.00} mortgage loan was denied. 

This experience caused significant stress to my wife, leading to XXXX and XXXX XXXX XXXX XXXX  in XX/XX/XXXX. We are deeply concerned about AmeriSave 's deceptive practices, including collecting fees for services not provided and making false statements about their ability to offer loans. 

Since XX/XX/XXXX, we have repeatedly requested reimbursement of our {$500.00} fee from XXXX XXXX and AmeriSave, to no avail. 

We have attached all relevant communications with XXXX XXXX and AmeriSave, including text messages and emails, to support our complaint. 

We seek immediate resolution of this matter, a full refund of our {$500.00} fee, and mental, physical, and emotional damages compensations. 

Sincerely, XXXX and XXXX XXXX XXXX XXXX for XXXX XXXX : AmeriSave Mortgage Corporation XXXX XXXX, XXXX XXXX, XXXX, MI XXXX Phone : XXXX Fax : XXXX Email : XXXX Website XXXX XXXX XXXX XXXX
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 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. 

The Accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete late payments from XXXX XXXX XXXX XXXX  FROM XX/XX/XXXX through XX/XX/XXXX. Your company is in clear violation of the law under XXXX XXXX XXXX - Permissible purpose of consumer reports the law Clearly states. b ) in General subjects to subsection c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. XXXX ) in accordance with the written instruction of the consumer whom it relates. Did I give you written instructions on my credit report? A ) Subject to section XXXX of this title and ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. Failure to respond satisfactorily with deletion of the above referenced account and send out a deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actins being taken against your company for which I will be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of identity fraud XXXX. Fair debt collection practices act XXXX XXXX violations XXXX. Fair reporting act XXXX XXXX violations for willful noncompliance XXXX Civil liability for willful noncompliance XXXX XXXX Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

That this is a housing company and even though Ive provided full documentation proving my identity, they still choose not to let me access my own TransUnion account without going thru a 3rd party vendor
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Experian to remove a debt from my credit report because it could not be validated. XXXX XXXX and XXXX could not validate the debt so the debt was removed from both credit reports. 

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

Inaccurate inquiries on credit Inaccurate reporting of repossession Inaccurate collections information
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : XXXX  Account number : XXXX Balance : {$2300.00} XXXX XXXX XXXX Account number : XXXX Balance : {$1600.00} XXXX XXXX Account number : XXXX Balance : {$2300.00} XXXX Account number : XXXX Balance : {$4500.00} XXXX Account number : XXXX Balance : {$0.00}
Product: Credit card or prepaid card

XX/XX/2021 about {$5000.00} was stolen from me from my bank account with Bank of America claim # XXXX I noticed over 25 unauthorized transactions in different amounts on XX/XX/2021 I contacted the bank and the stated that they will do an investigation I provided documents showing the fraudulent activity I also got a police report done which I sent to Bank of America to this day I never received my money back they only closed out my old card ending in XXXX and gave me a new card ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit report is currently displaying incorrect balance amounts on my two XXXX accounts, affecting my overall credit usage score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter to the Credit Consumer and they have failed to comply with my letter and has not replied. My letter stated the following : I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information above, so that I may follow up. 
2. The date you contacted the individual furnishers of information.

3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Debt collection

Target sent an authorization {$44.00} ACH to my XXXX XXXX XXXXXXXX back in XX/XX/2022 to my account from their system without my permission I never submitted the approval it was done automatically without consent through their system. I have disputed the {$44.00} ACH directly with Target with no resolution and then I submitted a complaint with the bank as well.
Product: Credit card or prepaid card

Bank of American makes it effectively impossible for consumers to communicate with it without visiting a branch in person. Tonight, for example, I attempted to ask a question about my credit card account. BOA 's website does not allow for email or chat. Instead, consumers must call or visit a branch. 

Yet calling is a dead end. I spent 10 minutes setting up an automated call from a BOA representative to be placed " in more than 30 minutes. '' When the call came, I navigated through additional prompts and then .... it hung up on me. Moreover, I have tried to call again and have again been on hold for more than 10 minutes. If the last call suggests anything, it's that the wait on this call will also exceed exceed 30 minutes and then the call will disconnect again - creating an embarrassingly time-consuming loop. 

If BOA cared about its customers, or about providing the service it promises, it would : ( 1 ) provide ways for consumers to reach BOA without visiting a branch ; and ( 2 ) remove the false claims that it can be reached by phone ( which waste its customers ' time ).
Product: Checking or savings account

This issue has been going on for so long that I can no longer keep details straight. Late XXXX/early XX/XX/XXXXI moved funds from an external account to my FFB account in order to XXXX  out the balance and close the account ( due to moving XXXX miles away and being unable to reasonably bank with FFB any longer ). I was then communicated by FFB through their online messaging center that I just needed to send them a message and they would close my account. Weeks later, a bill was somehow taken out of the account because FFB did not close my account as promised, and I was charged a fee. I either paid the fee or it was waived, then I was told AGAIN that the account would be closed once XXXX out, which was done. It has been over 8 months and I continue to receive statements, harassing calls, telling me I owe them HUNDREDS of dollars in fees. This is beyond abusive at this stage and completely out of line. How can a bank get away with not closing an account when asked to, time and time again? I'd spoken to a branch manager about this at some point, raising frustrations, concerns, and sheer panic. I moved, I needed to end my relationship, there's no reason to abuse me by forcing me to maintain an account with them and charging me fee after fee after I XXXX the account out and asked them to close it out, as I was instructed to do. I'm completely at a loss at what to do and demand that all fees be cleared off of me.
Product: Debt collection

I switched from XXXX XXXX XXXX to the parent company XXXX. The agent handled the transaction and because I was n't given a cancellation form to sign I somehow then owed and addition {$55.00}. I contacted the ins. agent in response the the threat of collection by XXXX XXXX and they worked to resolve the matter and I was told that it was taken care of by XXXX agents and I signed the needed doc. I have all the documentation to prove this email interaction. I was contacted tonight at about XXXX XX/XX/XXXX by Lamont, Hanley and Associates Collection agency ( 3 weeks after resolving the matter with XXXX XXXX ) and was told I owe the debt. I explained and asked them not to report to the credit bureau until I attempt to resolve this and they told me that is n't their problem, did n't give me an account reference number and hung up abruptly. I tried to call back twice and was unable to pass through the automated system with the reference number. I went to their website and was unable again. I have sent both XXXX XXXX and Lamont Hanley emails through their sites notifying them of the situation and not to report. I was contacted in the evening by Lamont Hanley, it is also a holiday evening, I denied being given the info I needed about the debt, they were unreasonable in resolution and rude, I was hung up on.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Cashapps handling of disputes, particularly in light of the recent CFPB lawsuit against platforms like XXXX. Which highlights significant issues with similar platform. Despite using Cashapp numerous times and reporting discrepancies, my banking institution and Cashapp failed to adequately investigate my claims. The bank informed me that the reimbursement of funds would be impossible and tracking the transactions would not be feasible. The CFPBs findings indicate that XXXX has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, ultimately leaving consumers vulnerable to scams. 
After learning about the lawsuit with XXXX, I realized that Cashapp also lacks accountability and transparency which is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

The inquires below are fraud and needs to be removed from credit report. 

Inquiry details XXXX XXXX XXXX XXXX XX/XX/scrub> 2025 XXXX XXXX XXXX XXXX XXXX, 2025 XXXX XXXX XXXX XXXX XXXX XXXX, 2025 XXXX XXXX XXXX XXXX, 2025 XXXX XXXX XXXX XXXX XXXX XXXX, 2025 XXXX XXXX XXXX XXXX  XXXX XXXX, 2025 XXXX XXXX XXXX XXXX XXXX, 2025 XXXX XXXX XX/XX/scrub> 2025 2025
Product: Credit card

Credit card was issued. Paid regularly for many years. I filed for bankruptcy XX/XX/2014 to prevent foreclosure. Bankruptcy was discharged within 30 days. Wells Fargo removed the credit card from the online banking portal and did not send any statements for 7-9 months. Wells Fargo wants remaining balance of credit card paid and continues to report as delinquent.
Product: Credit card or prepaid card

I thought I had auto-payment enabled on my account. A small balance posted in the meantime. I didn't realize a payment was due until I logged into XXXX on XXXX and that I had an account past due. I then received a notice from Bank of America dated XXXX on XXXX saying that they had closed my account. Upon calling them on XXXX, they wouldn't re-open the account without another credit pull, nor would they remove the XXXX delinquent notice from my credit file.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX. XXXX XXXX is my husband. On XX/XX/2023, XXXX purchased the loans and this was placed on my credit. On XX/XX/2023 via certified mail ; I request validation of the debt of all of different amounts reported on my credit. ( Same account number which was XXXX, but different amounts ). First, with the help of the XXXX XXXX XXXX ; I found out these accounts were sold to XXXX. XXXX first denied it, but they PURCHASED this account in the amount of {$27000.00}. This was an agreement between XXXX, US Dept of Education, and XXXX. Then on XX/XX/2023, XXXX from XXXX stated, " XXXX  XXXX XXXX Account # XXXX ; Education XXXX XXXX XXXX XXXX XXXX ) has reviewed your concerns. Following is history of the XXXX loans in question held by XXXX that match the first & last name, mailing address and email address provided by you on this complaint. '' XXXX stated that this account belongs to XXXX XXXX. I have never in my life been identified as XXXX XXXX. To this date XXXX, XXXX, or US Dept. of Education has yet to provide to me an original signed contract in addition, XXXX provided proof to myself and XXXX  that the XXXX accounts belong to XXXX XXXX. XXXX wishes for me to accept this as an simple typographical error. I REFUSE TO!! I have been reporting on multiple occasions that the loans are not mine has here is proof and XXXX. XX/XX/2023 the XXXX discount the amounts 107 %, the amounts as reported on my credit do not have a payment amount further proof that there is not accounts associated with me and these entities. This company provided alledged spreadsheets. All the proof that was given to me by XXXX, showing further proof that their records was and can be altered, .i.e. the account belonging to XXXX XXXX. These accounts were falsely generated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Bank of America Credit Car was used in XXXX, to purchase a ticket. 

I been firing for this fraude, for over a year send Fax of prove that wasn't me, i send a screen shot of a XXXX receive and XXXX XXXX of my day in California the day of the purchase and they just send letter asking me for more information. 

I don't know what to do, is to much money and to much time fighting for this department, i already know all of them because its been a year of talking but i don't believe they could do something real to help me. i really need that money. 

I was never notify from the credit card department that my credit car was used in XXXX in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent the Bureaus a letter in dispute of INACCURATE/ FALSE reporting I found on my credit report. I feel that these accounts are adversely affecting my credit report and because of it I pay thousands in interest every year. I need this problem fixed ASAP I will not wait another 45 days to receive no response because the FCRA clearly states it is LAW to have resolution within a 30 day period. I demand these accounts be deleted immediately or will file for litigation due to the financial damage you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THE FOLLOWING UNAUTHORIZED INQUIRIES FROM MY PROFILE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE FILED A REPORT FOR FRADULENT ACTIVITY
Product: Credit reporting or other personal consumer reports

XX/XX/year> serenade apartments Reporting inaccurate information to my credit report. I requested a debt validation no response. 
XXXX XXXX  sold my information to a collection agency by the name of Quality Recovery services. 
Will you please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise, will you please remove from my credit?
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX