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

In accordance with the fair credit reporting act XXXX, Account # XXXX has violated my rights.

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

From the dates XXXX. I have tried disputing it because I was a victim of XXXX. With the XXXX Forbearance program, I was eligible to dispute those late payments and get them removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$1200.00} / XX/XX/2022 XXXXXXXX XXXX {$150.00} / XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX are furnishing information that does not belong to me and the inaccurate or fraudulent information is being reported by XXXX, XXXX, and EXPERIAN. I have sent letters of dispute, giving all of the companies a notice and asking that the information be deleted from the profile under my name.
Product: Credit card or prepaid card

I applied for and received a Home Depot credit card at a store for the purpose of getting a discount. I was never sent the physical card and I don't have one. I tried to pay online the day after I'd made the purchase but I needed the card to set up an account. I tried again a few days later and had the same problem. I forgot about the matter until I got a text telling me my payment was late. My balance had doubled. I thought I paid the entire thing off that day, but apparently there's more because I got an email saying my payment is late. However, when I clicked on the payment option it required that I have my car in order to pay. There is no " contact us '' option, and there were no phone numbers available at the bottom of the page. Just something saying " additional numbers '' but no link or phone numbers. I just want to be done with this account.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} INQUIRIES : XXXX  XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.
Product: Mortgage

In XXXX Fay Servicing force-placed insurance on my mortgage account totaling almost {$7500.00} ( see attached ). This is due to an error in their system of my property address which was supposedly solved in XXXX with a prior CFPB complaint # XXXX ( see attached ). I also had to deal with this in 2021, which I was able to solve working with the XXXX 's office at Fay. I have always had and continue to have insurance on this property. I don't know what else to do considering that it continues to happen every 6 months. I am worried that at some point over the next 28 years of my mortgage I may miss these letters and end up with them taking back the property. Additionally I am beginning to wonder if this is not intentional because the interest rates increase with late payments in this loan. I don't know, but I am angry that I continue to deal with this problem and requesting it fixed once and for all.
Product: Student loan

On XXXX XXXX, 2020, I received an email from Student Connections on behalf of XXXX College. The email listed an incorrect address for XXXX XXXX. XXXX XXXX is part of XXXX and the email instead listed the address for correspondence to XXXX XXXX XXXX XXXX XXXX ( which is part of XXXX ). As such, I was provided with false and misleading information that, had I chose to incorrectly contact XXXX at that address, could have jeopardized the ability to correctly pay my loans.
Product: Debt collection

XXXX XXXXXXXX XXXX had the incorrect workers comp information and knew the debt was not mine but sent it to collections anyway. When I was contacted by Choice Recovery, I told them it was a worker 's comp claim and they still pursued the collection. 

XX/XX/XXXX, I was XXXX at work and filed a worker 's compensation claim. I was contacted by XXXX and given a worker comp claim number. 

XXXX XXXXXXXX XXXX began billing me Nine months later. I disregarded the bill thinking it was a way to get personal information and not a legitimate In XXXX, XXXX they turned the bill over to collections. ( Choice Recovery, XXXX OH } I XXXX XXXX received the wrong workers comp number from XXXX XXXX XXXX and wasn't able to file the claim. XX/XX/XXXX. I gave them the correct number and billing address. XXXX XXXX XXXX said they would resubmit the claim and contact Choice Recovery. I followed up with a call about three days later and they said they had contacted Choice Recovery. 

XX/XX/XXXX Choice Recovery submitted the debt to the credit bureau my credit score has dropped XXXX points.
Product: Money transfer, virtual currency, or money service

i created a Paypal business account on XX/XX/XXXX for my videography services. 
on XX/XX/XXXX, i was paid {$1600.00} by a client. paypal put a hold on my account and added limitations. therefore i am unable to access my funds at all. i asked what i could do, i was told on XX/XX/XXXX that i needed to provide identification and explain what kind of business i conduct. i did so. it said that it would take 3-5 business days to review. it also said that funds should be released within 21 days. after the 3-5 days, nothing. the limitation was still places. i messaged with customer service almost every day since then, asking for updates, seeing if there was anything i can do. on XX/XX/XXXX, i was updated that the amount of money i was able to receive was raised from XXXX to XXXX, therefore the amount i received was within that amount and my account was partially restored. the page that shows my balance showed the money as now available for transfer. however, when i would try to transfer id receive an error message. i messaged with customer service again. they said that they would be escalating the matter to their back office, something that was already told to me a few times. on XX/XX/XXXX, i reached out again for update as it was time for rent and i was desperate to access MY own money that is being withheld from me. they said the same thing about escalating to the back office. i called again on XX/XX/XXXX. they said they would escalate to the back office. again, all of this for something that was supposed to take 3-5 days to review. i asked to speak to a supervisor. i did and they said they would escalate it to the back office and i should receive a response within 7 days but to manage my expectations. i literally cried to this woman and said it feels like i just keep getting told indefinitely that eventually i will have access and to just wait it out, but i need access to my own money to live. she said there was nothing she could do. she said she has no ability to directly contact anyone at the back office. i am counting on this money to survive. after i receive the money, i will no longer use paypal. i am just desperate to take my money out and stop using this business.
Product: Prepaid card

My tax refund was direct deposited to a netspend prepaid card. I filed my taxes with turbo tax. Once my tax refund was deposited to my netspend card within a week and a half there was fraudulent activity on my account so I filed disputes and closed my netspend prepaid card account. 

Once the disputes were investigated it was proven that fraudulent activity had occurred and I was to be credited back {$340.00} back. Since my account was closed I was told that I would be sent my return of funds by check mailed to my address of record. When I never received my check I called netspend several times and literally spent over 3 hours on the phone in XXXX different calls trying to find out when I would receive my refund from netspend. I was hung up on several occasions. I was treated very rudely then I was told that my check was sent to the IRS because that is who originally deposited funds in my netspend account. 

I spent countless hours on the phone and in person with the IRS only to be told that they have nothing to do with a refund due me from netspend because of fraudulent activity on my netspend account. The IRS stated they never received anything back from netspend. The IRS said once my original tax refund was deposited into my account they have nothing more to do with my netspend account. That makes sense to me. 

After speaking with the IRS I made several more attempts to get my {$340.00} from netspend. Once again they told me that they sent it to the IRS. The IRS states they never got it and would never accept it even if they did. 

This has been going on since XX/XX/XXXX. It is now XX/XX/XXXX and I have yet received my {$340.00}. I keep getting the run around from netspend. I am XXXX and have been treated like trash by netspend and still nothing has been resolved. I am at my ropes end. This has caused so much emotional distress having to go through this. 

I want my {$340.00} from netspend they have been holding it for nearly 3 months.
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 XXXX 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. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the XXXX XXXX recent administrative proceeding 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. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the XXXX XXXX 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 reporting or other personal consumer reports

These late payments : XXXX XX/XX/year> XXXX XXXX XXXX, XXXX 15 U.S Code 1681 ( 4 ) states I have the right to privacy I consider a late payment to be private information this must be removed immediately thank you
Product: Mortgage

I am writing to inform you of an unfortunate and unethical situation that happened to me and i wanted to know if there was anything that could be done to assist me in this matter. i owned a property on XXXX XXXX XXXX. XXXX, NY XXXX that was subject to foreclosure proceedings. I was greatly impacted by the pandemic and unfortunately i was unable to keep up with the mortgage payments. I, reached out to the mortgage servicing company ( Shellpoint Mortgage/ NewRez LLC ) to explain my situation and to work out a short sale. I provided all the hardship/assistance documents requested by Shellpoint Mortgage and as of XX/XX/XXXX we had a fully executed contract for a short sale. Shellpoint Mortgage and XXXX XXXX intentionally delayed the short sale approval multiple times and subsequently sold my house at an auction on XX/XX/XXXX ( 5 months after we submitted a fully executed contract ). I consulted with a foreclosure attorney regarding this matter and we are submitting a motion to have the sale rescinded, however, this would be done at the discretion of a judge and according to my attorney we have a slim chance of this happening. Please look into this matter and let me know if there is anything that can be done to have the auction sale in question rescinded so that we may complete the short sale.
Product: Credit reporting or other personal consumer reports

I am a rental applicant that was denied based on my SafeRent information, SafeRent is fairly new and I reached out to them to figure out what information was used to compile their score and received the run around. I still have not received a copy of this SafeRent report and they say it will be sent to you within 5 days of requesting. I Am also able to dispute over the phone so I asked the agent to tell what information they are showing because I have never had any issues with any other tenant screening places other than this one and they give me the run around we cant provide this information over the phone, however they can provide me a copy if I say my social and send a copy of my driver license which is a bit excessive if youre reporting information about me that was giving to a rental company you should be able to access those records for me as the consumer having went through identity theft before and the information they are providing is not even reflecting on my actual big 3 credit bureaus so they need to review and correct their information and stop reporting false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX requesting to the Credit Reporting Agencies to remove the Accounts and Inquiries that are UNKNOWN to me. I previously reviewed a copy of my credit report and was shocked to find that there were several accounts and information that I did not open and have no knowledge of. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. The items in question are as follows : Medical ( Original Creditor : ) XXXX Balance : {$39.00} Medical ( Original Creditor : ) XXXX Balance : {$23.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. In accordance with the Fair Credit Reporting Act section XXXX, I request that the Credit Bureaus remove the disputed items off of my Credit File as soon as possible.
Product: Credit reporting

Despite YEARS of stellar credit reports and scores, at or about XXXX for each reporting agency, I was a couple of weeks late paying XXXX credit card bill and my score dropped over XXXX points! Really, over XXXX points by each agency. This is unbelievable. I have not been late paying any bill in many many years. I was in fact in the hospital undergoing transplant XXXX at the time this bill was due. I do not dispute that payment was late but after my very long history of cultivating exceptional credit status this XXXX point drop must be seen as excessive. In addition, I am in the middle of refinancing our house and this credit report, as it stands now, is costing me money. Please help.
Product: Student loan

I SPOKE TO MANY REPRESENTATIVES AT THIS " BANK '' AND THEY ARE VERY RUDE AND THREATENING TOWARDS ME AND MY FAMILY. I TRIED TO EXPLAIN TO THEM ABOUT MY FINANCIAL SITUATIONS NUMEROUS TIMES AND THAT I COULD N'T AFFORD THE MONTHLY PAYMENT THEY WERE ASKING. I ASKED IF I COULD THEN SEND WHAT I CAN AFFORD AND I WAS TOLD THAT I COULD NOT DO THAT AND IT WOULD NOT BE ACCEPTED. THEY THEN WOULD THREATEN TO TAKE MY PARENTS HOUSE IF I DID NOT PAY THEM THE AMOUNT OF MONEY THEY WERE ASKING FOR. AGAIN AND AGAIN I HAVE TOLD THEM THAT I CAN NOT AFFORD WHAT THEY ARE ASKING FOR AND ALSO INQUIRED ABOUT SETTING UP SOME SORT OF A PAYMENT PLAN THAT IS SUITABLE FOR MY FINANCIAL SITUATION. THEY CONTINOUSLY WILL THEN SPEAK RUDELY TO ME, SAY NO AND THAT THEY REFUSE TO CONSIDER ANY PAYMENTS THAT WERE NOT THE AMOUNT THAT THEY WERE DEMANDING, MAKE THREATS TO MY PARENTS ON THE TELEPHONE, AND WILL THREATEN TO RUIN MY CREDIT SCORE AS THEY ALREADY HAVE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> I am requesting this inquiry be thoroughly investigated and removed once found to be fraudulent. I did not authorize this inquiry. I have never heard of XXXX XXXXXXXX XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Identity Theft and Unauthorized Reporting FCRA 609 ( a ) and 611 ( a ) Violations ChexSystems, Inc.

Dear CFPB Investigator, I am filing this formal complaint against ChexSystems , Inc. for multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically concerning their reporting of inaccurate, unauthorized, and unverifiable account information. 

Despite having no knowledge, authorization, or association with any negative banking history reported, ChexSystems has included false and damaging information on my consumer file, negatively impacting my ability to establish banking relationships and causing harm to my financial standing. 

Under FCRA 609 ( a ), I have the right to receive a complete and accurate disclosure of the information in my consumer file.

Under FCRA 611 ( a ), I have the right to dispute inaccurate information and have unverifiable data permanently removed.

ChexSystems has failed to properly reinvestigate or remove erroneous information after being notified, and continues to report inaccurate records in violation of federal law.

* * Nature of the Dispute : * * - Fraudulent and/or unauthorized accounts or entries are being reported against me.

- I am a victim of identity theft and have no knowledge or relationship with any accounts that may appear linked to my ChexSystems profile.

- I have never authorized the reporting financial institutions to submit negative information under my Social Security Number or personal identifiers. 
- ChexSystems has failed to perform reasonable investigations or provide verification of the disputed entries. 

* * Relief Requested : * * - Immediate and permanent deletion of all unauthorized and unverifiable accounts and derogatory records from my ChexSystems consumer report.

- Issuance of an updated and corrected consumer report reflecting the deletions.

- Formal enforcement action against ChexSystems for their willful violations of FCRA 609 ( a ), 611 ( a ), and UDAAP regulations under Dodd-Frank .

Attached are : - My government-issued driver 's license - My Social Security card - Proof of my current address Should
ChexSystems fail to comply fully, I reserve my right to pursue private right of action remedies under FCRA 616 and 617 for actual and punitive damages. 

Thank you for your immediate handling of this matter.
Product: Checking or savings account

On or about XX/XX/23 we saw a transaction on our business account for {$110.00} that we did not make. We contacted our banking rep XXXX and Customer Service. We were told Bank of America knew this to not be a reputable charge and they would reverse the transaction and it would fall off the following day. This is the next day and the charge went through and Bank of America said we will have to submit a fraud complaint. 
We informed Bank of America of the fraud charge on our account and Bank of America said we would not be charged but we were charged anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed multiple times with Equifax/XXXX/XXXX  and provided copies of statement that these accounts were never paid late and I also submitted to the company and credit reporting agency was responsible for removing and they didn't
Product: Debt collection

I did not give my utility company legal right to share my personal information with anyone. This is a violation of my rights and illegal. This is identity theft.
Product: Debt collection

I spoke with XXXX who attempted to collect a debt owed, he said on a recorded line that I owed an amount plus interest and fees and he would be able to settle for less ... from my knowledge and written proof as well as verbal confirmation from a supervisor .. only XXXX amount is subject to collect, XXXX XXXX made it seem as if he was giving me a deal by asking for less .. which is false information tactics in order to collect a debt I would like the collection agency to stop and the original debt to be removed from my credit reporting agencys at once.
Product: Checking or savings account

I received an email from Chime that I opened up a checking account. I never did such a thing, and now I am really concerned. I never wen to their site, yet they have my email, and an account was opened in my name. I wrote them, and haven't heard anything. This is XXXX XXXX all over again. 
Why was I not sent an authentication email before this account was created? This seems careless and they need to be regulated.
Product: Credit reporting or other personal consumer reports

I would like to follow up in regards of the repeated unsuccessful attempts to remove fraudulent items from my credit file. Despite my persistent efforts and numerous communications, these fraudulent entries persist on my credit report, causing significant harm to my financial standing and reputation. It is deeply concerning and distressing to see that despite my repeated attempts and persistence, the fraudulent items continue to negatively impact my creditworthiness and financial stability. I urge you to take immediate and decisive action to rectify this situation. I request that all fraudulent items be promptly and permanently removed from my credit file, and that measures be implemented to prevent any recurrence of such errors in the future. Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. Please consider this letter as a formal complaint regarding the handling of the fraudulent items on my credit file. I trust that you will prioritize this issue and take the necessary steps to restore my confidence in your institution and the credit reporting system. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX