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

This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC overaccounts : XXXX XXXX XXXX XXXX XXXXXXXX {$430.00}, XXXX XXXX XXXXXXXX {$660.00}, XXXX XXXX XXXX, XXXX XXXX XXXX {$480.00}, XXXX XXXX XXXX XXXX XXXX {$410.00}, XXXX XXXX XXXX XXXXXXXX XXXX {$2900.00}, XXXXXXXX XXXX XXXXXXXX XXXX {$1500.00}, XXXX XXXX {$2600.00}, XXXX XXXX XXXX {$570.00}, XXXX XXXX XXXX $ XXXXThird-Party Collection Agency is unable to validate the debt. Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtor 's account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that Proof of Claim and verification.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Information under the Fair Credit Reporting Act Dear Sir/Madam, I am writing to dispute inaccurate information in my credit report under the Fair Credit Reporting Act ( FCRA ). The information in question is related to the account listed below : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Discrepancies : Status and Status Updated : The account status is listed as " Paid, Closed/Never late '' with a status update date of XX/XX/year>. However, there is no mention of any balance updates or recent payments, which is required for completeness under 15 U.S.C. 1681e ( b ).

Balance Information : The balance and balance update information is missing. For accurate reporting, these details should be provided, ensuring maximum possible accuracy as per 15 U.S.C. 1681e ( b ).

Recent Payment and Monthly Payment : The recent payment and monthly payment details are not specified. Accurate reporting should include these details to reflect my payment behavior accurately under 15 U.S.C. 1681e ( b ).

Terms : The terms of the account are not specified. This information is crucial for understanding the agreement and obligations under the account. It should be accurately reported in compliance with 15 U.S.C. 1681e ( b ).

Highest Balance : The highest balance is listed as {$25.00}, which might be correct but needs to be verified for accuracy and completeness under 15 U.S.C. 1681e ( b ). 

Payment History : The payment history shows the account as " XXXX '' ( Closed ) in XX/XX/year>, with no other payment details provided. This incomplete payment history fails to provide a full picture of the account activity, violating 15 U.S.C. 1681e ( b ) regarding accurate and complete reporting.

Requested Action : I request that these discrepancies be investigated and corrected under 15 U.S.C. 1681i. Specifically, I request the following : Provide accurate balance and balance update information. 
Include recent payment details and monthly payment information. 
Specify the terms of the account. 
Verify and correct the highest balance reported. 
Complete the payment history with accurate and detailed information. 


Please investigate this matter and correct the inaccurate information as soon as possible. I request a written confirmation once the changes have been made. According to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if any of the disputed items are found to be inaccurate or incomplete, they must be promptly corrected or deleted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Debt collector never sent me a letter saying my bill was with them. I found out after calling XXXX to make a payment ... I had no written notice from anyone, and they never gave me the option to dispute it. Had I known, I would have disputed it. When i contacted them to resolve the debt, i then found out that they would charge me an additional fee on top of every payment I made. So I went back to XXXX and asked to pay them instead and made payments over the past year until the debt was paid in full. But in the meantime the debt collector, diversified collections inc, submitted the information to my credit report. All because I chose to pay XXXX to avoid extra fees. XXXX said because there was an error in reporting that they would get the account returned to them and ask to have it deleted from the report. But diversified wo n't comply. They said they will only update it, even though they no longer have the account and that it 's still active. 

Because of their unfair practices they have tarnished my credit. Now my chances to buy my house when my lease is up in XXXX 2017 will be slim.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I was applying for a refinance of my mortgage. I completed the application on the phone with XXXX mortgage XXXX I agreed to have my credit reviewed. Loan officer stated I had excellent credit ( XXXX score ). Within a couple hours I was solicited by another mortgage company via text, they seemed to have all my credit information. I did not authorize the second company to have my phone number, ssn or credit information, it was totally unsolicited. Their website site claims that the information came from XXXX. I feel at least its a bad business practice for XXXX to share all my information with the second company, how do I know what they are going to do with it or are they going to keep it secure. At worst I think its a violation of the Fair Credit Act.
Product: Student loan

I filled out a School Misconduct Application for my school on XX/XX/24. I submitted all the requested evidence. I was denied on XX/XX/24 with the reason of 'Your loan type ( Private Consolidation ) does not meet the criteria for school misconduct discharge '. 

That is not a reason. I want to know EXACTLY what criteria my loan does not meet. 

This consolidation loan was facilitated by this company ( Sallie Mae/ Navient ) with loans also originating from this company ( Sallie Mae/ Navient ) and should for no reason be denied.
Product: Checking or savings account

CITI bank can not do simple addition and even after a month they have not corrected their bank error of {$990.00}. 
XX/XX/XXXX, I noticed a deposit into my account that I did not recognize for the amount of {$990.00}. 
I called the bank to investigate what happened. 
Apparently, a XXXX XXXX deposited his social security check into my account. 
I rejected that deposit as it was not mine. 
The bank in turn debited my account twice for the {$990.00} that was deposited. 
I have called the bank over and over again, at least 15 times, to resolve this and to date they have not returned the money to my account. 
For that matter, the bank has filed collection processes on me in the amount of {$100.00} for the overdraft that the debit caused. At no time was I overdrawn. The fact is I should have over {$800.00} in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a minor issue as this account is scheduled to fall off my report next year. XXXX XXXX has charged off and closed an old account and sold it to a collection agency. Since they no longer have a vested interest in this account, im respectfully asking them to remove it from the three credit reporting agencies. I have another account with them in good standing. I understand that they are not obligated to remove it from the three credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/1921 CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX BOX XXXX XXXX, IA XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX. 
WASHINGTON, DA XXXX Subject : Equifax ; XXXX  & XXXX  credit bureaus fair credit score reporting, practice & all enquiries on credit file of all Americans Dear Protection Bureau & National Public Sectors for Consumers ; I am seeking to get an equal opportunity to get my free score and report from Equifax credit bureau. Equifax has not revealed my credit score every time I asked for a report from them. Second I want your bureau to stop the other consumers from unfairly weighting our credit scores, as they give creditors all relm to judge our scores credibilities as they deny us minority Americans access to higher credit score and benefits.- as like wise as with employment practices, all military benefits, and safe practice of islamic beliefs for fair credit offer and practice by equal rights as other citizens.

As far back as 25 years we have reporting of hard and soft enquiries ( injuries ) showing on our credit reports. We are asking for only 3.5 years worth of enquiries to show on each reports- and only as hidden enquires, as should be revealed to federal as when for federal investigation purposes. Creditors have denied us credit offers do to these reasons very crucial to us all. Since, our credit & credibilities is all life opportunities for all Americans. 



Very respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TRANSUNION : Please be advised that you are reporting the wrong addresses information on my credit report. Please delete or remove old or unknown addresses to me, any help you can give me with updating this information as soon as possible would be greatly appreciated. 

My current address is : XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Please remove the following addresses from my report as they do not belong to me and are being reported in error : Wrong Addresses : XXXX XXXX XXXX XXXX, XXXX, WA XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX. 

I will await an updated copy of my credit FILE to reflect these changes. Thanking you in advance. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA this creditor has violated my rights. Under 15 U.S.C. 1681, section 602 of the Fair Credit Reporting Act ( FCRA ) states that consumer reporting agencies ( CRAs ) must act fairly, impartially, and with respect for consumers ' privacy. Under 15 U.S.C. 1681 section 604 ( a ) ( 2 ) states that a consumer reporting agency can provide a consumer report in accordance with the written instructions of the consumer. I never provided written consent. 15 U.S.C 1666 ( a ) states that 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 statement 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.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XXXX XXXX XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts are not complete and accurate. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) And one more thing according to 15 USC 1681s-2 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.
Product: Debt collection

JP Morgan Chase continues to report the accounts that are the result of identity theft on my credit file. Police and FTC reports were provided and the account was not reported or blocked from being reported to my credit file. I contacted the executive office requested all alleged original documents and they claimed to have been signed by me due to victims of identity theft. I was told that I did not have to provide these documents and to send them a subpoena. I have not received any proof of this account that is a result of identity theft as being a debt I owe to JP Morgan Chase. Also, the credit bureaus were never contacted regarding the report of identity theft. Account is still on credit report.
Product: Debt collection

After requesting the information to be sent and not to be called until i receive the documentation, i was called at my place of work and verbally insulted. i asked repeatedly for the persons name and they refused to provide it. i have asked to not be contacted again but they continue to call.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing this complaint to formally request an investigation into fraudulent accounts and inaccuracies appearing on my credit report due to identity theft. Despite multiple attempts to resolve these issues with the credit reporting agencies and data furnishers, my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws have been violated. 

Complaint Details : Personal Information Compromised : Social Security Number : * -- XXXX FTC Identity Theft Report Number : XXXX I am a victim of multiple data breaches, including : Equifax ( XXXX ) - XXXX XXXX Social Security numbers and personal data exposed. 

XXXX ( XXXX ) - XXXX XXXX records leaked, including passport numbers. 

Experian ( XXXX ) - Millions of Social Security numbers and credit histories compromised. 

Fraudulent and Inaccurate Information : Unauthorized accounts have been opened in my name. 

Hard inquiries I did not authorize. 

Incorrect personal information that has not been updated. 

Violations of Federal Law : 15 U.S.C. 1681i ( a ) ( 6 ) - Failure to provide the method of verification.

15 U.S.C. 1681c-2 - Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) - Failure to properly safeguard my personal data.

15 U.S.C. 1681s-2 - Failure of data furnishers to ensure accuracy in reporting.
Product: Money transfer, virtual currency, or money service

I was scammed out of a good amount of money in a scam in XXXX of XXXX  with using Zelle and XXXX, scammer got about XXXXXXXX XXXX from me and used blackmail, after reporting the person and cutting them off I tried to submit a report to both companies hoping there was a way to get back a little bit of it but I was denied. The guy easily kept making new accounts to receive money on both sites
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under Act 15 U.S.C. 1681 Section 602 states " I have the right to privacy ''. 15 U.S.C. 1681 Section 604a Section 2 also states " a consumer reporting agency can not furnish an account without my written instructions ''. Under 15 U.S.C. 1666B " a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Product: Credit card or prepaid card

Applied for and approved for a Truist XXXX XXXX credit card on XX/XX/2022. I received and activated XXXX card ending in XXXX. Attached is the interest rate disclosure included with the card. I performed XXXX small dollar transactions in the amount of : {$100.00} and {$41.00}. A statement was generated for XX/XX/2022 for {$100.00} and payment was made in full on XX/XX/2022. On, XX/XX/2022, applied for and opened a Truist XXXX Checking account ending in XXXX. On or about XX/XX/2022, performed three small dollar balance transfer requests in the amount of : {$320.00}, {$700.00} and {$10000.00}. A copy of the confirmation letter is attached. On or about XX/XX/2022, I applied for an additional Truist credit card for the reason that I do not like any of my individual credit card balances to go over 25 % of the credit limit. However, I was denied for the card based on an XXXX XXXX XXXX of XXXX. A copy is attached. Unknown to me, the XXXX card ending in XXXX was blocked on or about XX/XX/2022. This in itself could have been a very embarrassing situation if I attempted to utilize the card, as it would make me look like deadbeat who does not pay my bills. XXXX, my credit report shows no collection accounts, perfect payment histories on ALL of my credit card accounts and a track record of payments much higher than just the minimum payment for each card.
Product: Debt collection

I keep getting calls from Wells Fargo on a mortgage that exists with a person I do not know. Wells Fargo has been told about this and still calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX # XXXX XXXX  XXXX  # XXXX XXXX XXXX # XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

Transfer wise of company is fraud and closed my account without prior warning and thereby frozen my funds unlawfully rendering me homeless without refunding me. 

Wise closed my account around XX/XX/2023 and I filed an appeal on XX/XX/2023 for me to get a refund and wise has told me over email that they will not refund me. 

Normally when an account is deactivated, the funds inside the account is always refunded to the owner. 

Considering the nature of my need for this money I need wise to refund to my bank account. 

I do not have any dispute in my account and wise is holding my funds unlawfully rendering me homeless. 

To resolve this matter to my satisfaction, I am requesting that wise should refund me my money back now This is very frustrating for a company trusted to hold peoples money to deactivate accounts without warning and also without giving out the money to the owners. 

As a result of this, I have been rendered homeless as I am not able to pay my rent and I sleep at motor parks. 

Since XX/XX/2023 I have been homeless and sleeping on motor parks as I am homeless and my landlord threw my things outside as a result of wise holding the money I wanted using to renew my rent. 

Wise in response said that they may hold my money for 5-20 days, but in this case it is more than 5-20 days since XX/XX/2023. 

I will attach wise response saying they may hold the money for 5-20 days. 

This is very unlawful and I need my refund back. 

I have reported this matter to XXXX XXXX XXXXXXXX, XXXX, XXXX and XXXX XXXX XXXX as this is considered as a fraud. 

I am requesting that wise should uphold this complaint and process my refund to me immediately and also wise should tender an apology to me for the damages caused as a result of this. 


The email associated with my wise is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

I opened a personal Chase Credit Card account ( last 4 digits XXXX ) in  XX/XX/XXXX ( see exhibit A ). I used this account and then closed the account in XX/XX/XXXX. Image of card is shown in Exhibit B. 

During the time this account was open, I made a transaction with XXXX XXXX XXXX on XX/XX/XXXX ( see exhibit C & D ) for {$240.00}. A copy of my account statement showing this charge is shown in exhibit E on the 3rd page E3. The event that I purchased for {$240.00} was subsequently canceled in XX/XX/XXXX ( see exhibit F ). I contacted the merchant, XXXX XXXX XXXX and was informed that they sent a credit to the credit card account the event was originally purchased ( last 4 digits XXXX ) on XX/XX/XXXX, after the account was closed. Please see exhibit G attached showing the receipt from the merchant, XXXX XXXX XXXX for the {$240.00} credit. 

Upon calling Chase Card Services XX/XX/XXXX, I learned that my account ( last 4 digits XXXX ) had been purged by Chase from your system. Since, the account has been purged there was no way for the Chase representatives to look into my account and find out what happened to the credit that was sent to me from XXXX XXXX XXXX. 

I am owed the credit that XXXX XXXX XXXX sent to Chase on my behalf on XX/XX/XXXX for {$240.00}. 

I have contacted Chase numerous times but nobody can access this account since they claim it was purged from their system. I was promised by XXXX in Chase Email Servicing that the matter would be investigated and they would contact me within 14 business days. It has now been 22 business days, and when I contacted them again, they have no response, and no record of any investigation, it is as if I am starting over with them. 

XXXX XXXX XXXX, whom I have also contacted numerous times, thinks the refund was processed XX/XX/XXXX as referenced above, but Chase has no record of receiving this refund as they can't access this " purged '' account. 

I need Chase to either to find the refund of {$240.00} and send it to me, or send me and XXXX  a letter that they have not received the refund so XXXX can issue a new refund direcly to me.
Product: Debt collection

Constant phone calls. They are looking for someone I don't know but won't stop calling my number. This is a cell phone and it costs me money for them to harass me.
Product: Credit reporting or other personal consumer reports

I have been dealing with Citibank Credit Management Department for the last 3 months starting XX/XX/XXXX they have falsely reported to all 3 credit agencies that I had a high credit spend of {$8500.00}. The high credit amount is the highest balance ever charged on my account within a billing cycle of one month. As a result there is a FALSE high credit utilization that has negatively dropped my credit score 10 to 15 points across all 3 agencies. I have gotten letters in the mail ( please see attached ) from the Credit Department stating that from their investigation the info that was reported to the agencies was correct and I was disputing the validity of the information. However they have REFUSED to provide me proof despite 3 different supervisors asking specifically for this information. They are very difficult to deal with even the supervisors are not allowed to pick up the phone and resolve this easy question. So I am opening a dispute with all 3 agencies and also contact CFPB directly. I put on my detective hat to figure out what is going on and prove this was reported incorrectly. My wife and I have been with Citibank from XX/XX/XXXX to present. I had the brilliant idea to pull everyone of my Citibank archived monthly statements from XX/XX/XXXX to XX/XX/XXXX and built an XXXX spreadsheet which I completed below to PROVE that there was NO XXXX XXXX  MONTHLY SPEND! As you can see in the attached documentation the highest monthly balance was XX/XX/XXXX {$1800.00}.