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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 


there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 


there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 


there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 


15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 


there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 


15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 Account Number : XXXX Please remove it from my credit report. 


1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX XXXX Case Number : XXXX Please remove it from my credit report. 


XXXX. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX  Bankruptcy Case Number : XXXX This is not mine. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card

When I first searched for a place to stay in XXXX XXXX, XXXX, I saw a listing similar to the XXXX enclosed which stated XXXX guests and a single nightly fee. Nowhere in the listing or in the subsequent reservation did the host state that the nightly fee was subject to increase depending on the number of guests. If that was her policy, she had a duty to disclose it up front. I used my credit card on XX/XX/XXXX to pay XXXX {$2600.00} for 28 days for XXXX guests. Subsequently, I requested to increase the number of guests to XXXX. XXXX rules state that the original total and the new total should have been shown to me before I submitted my request for the change.. The rules also state that the charge should have been shown before I confirmed the change. That never happened because I relied on the disclosures in the original listing and reservation. Instead, on XX/XX/XXXX, a price adjustment of {$870.00} was charged to my credit card without my knowledge or authorization. At that point, XXXX had {$3500.00} of my money, and a stranger in a foreign country with a no refund cancellation policy had the key to the unit. On XX/XX/XXXX I contacted the host and her response to my request for credit was declined. The matter was then escalated to XXXX XXXX XXXX manned by an international array ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX of so-called Support Ambassadors who used tricks like you havent responded ( which was not true ) or sending a message in the middle of the night with a XXXX deadline for reply. That was all a faade to protect the host who provides income to XXXX, regardless of the facts. The whole situation was classic fraud by omission and hidden fees.
Product: Credit card or prepaid card

I paid off my credit card with AVANT on XXXX the payment was credited to my balance but has not be refective in my available credit. 

The representative stated a payment can take up to 10 days to credit my account, but there are no disclosures indicating that a payment can take up to 10 days to show available to use This is unacceptable that funds were drafted from my account the next day and now my funds are tied up because of what??. 

I don't understand how you can credit my balance but not make my funds available. 

I have ask the company to send me where the policy is disclose to the consumer and they have not been able to provide This is unethical and a misrepresentation of payments. If the fund are credited and posted to the balance & funds are drafted from the account why are fund being kept and held for up to 10 days
Product: Credit reporting or other personal consumer reports

Account on all XXXX credit agency. I ask for portfolio recovery, midland credit, and XXXX XXXX XXXX to provide all information that I didnt get the purchase agreement, notification to me about the credit. Creditor giving reporting agencies inaccurate information, reporting debt as charged off, late payments, inaccurate statements, balance due, privacy violations, withholding notices, mixed file, the company pull my credit to see if I had collections before they file a lawsuit.
Product: Credit reporting or other personal consumer reports

This complaint against Equifax is in reference to them failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Equifax consistently responds within 24 hours, verifying the account as 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, 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. 

The accounts for this complain are below : XXXX XXXX XXXX XXXX XXXX Confirmation # XXXX Individual Account Number : XXXX Amount : {$1300.00} Collection Reported : XX/XX/year> The reason you disputed this item : This is not my collection. 
The results are : VERIFIED AS REPORTED XXXX XXXX XXXX XXXX Individual Account Number : XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX as of XX/XX/year> : {$440.00} Collection Reported : XX/XX/year> SXXXX XXXX XXXX, XXXX Individual Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance as of XX/XX/year> : {$2400.00} Collection Reported : XX/XX/year> * I did not receive any correspondence for this dispute.
Product: Credit reporting

Complaint filed with Consumer Financial Protect Agency on their website on XXXX https : //help.consumerfinance.gov/app/creditreporting/ask On XXXX I sent a certified letter to Equifax disputing XXXX Acc # XXXX and Bankruptcy # XXXX. On XXXX I sent another letter stating that I previously sent y a request for verifiable proof of the accounts listed on my credit report that were not mine or were inaccurate. Then on XXXX I sent a 3rd letter stating : " '' Why do you continue to send back a response that says, " Previously investigated ''? You continue to list items that are not mine and you expect me to prove these are inaccurate. You are reporting my sensitive financial information incorrectly and I demand that they be corrected immediately. You are required by law to provide me verifiable proof '' ( Section 611 ) of the accounts you list. I realize your incomes are derived from the sale of informational lists and keeping derogatory information on the report to look good to the creditors. I demand that these accounts be deleted or verified with my original documentation provided to me immediately or I will file a formal complaint to the Attorney General 's office and the FTC. '' '' As of today, I still have not received any viable proof from Equifax regarding these accounts and after checking my credit report today, I saw that after 6 months they still have NOT removed this item. 

They did ; however, remove XXXX open revolving credit card accounts that are in good standing with XXXX that I never asked them to investigate, dropping my credit score by XXXX points. I demand these items be reinstated on my credit report The third issue with Equifax is that they removed an item previously disputed " Bankruptcy # XXXX '' '' in XXXX after my second letter, and then re-inserted into my credit file on XXXX. They are required to notify me within XXXX ( XXXX ) days of re-inserting a previously deleted item. I did not receive any such notification. This item must be deleted immediately. ''
Product: Credit reporting or other personal consumer reports

I discovered an issue on my credit report. Upon my review, I identified inaccurate information. Following this, I contacted the company and was informed that the status of this account had been changed to canceled. However, despite this assurance, my credit report still reflects this account inaccurately. 

I am concerned that this information continues to impact my credit score and overall report unfairly. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting, and I am requesting that this item be investigated and, if confirmed to be inaccurate, am requesting this account be removed from my credit report.
Product: Credit card

I have a card issued by amazon through chase XXXX. 
Amazon had a breach in XX/XX/2016 and my account was included. about XXXX orders were issued at the same time and I instantly called amazon to tell them to stop it since i did not order anything. 
I was told by customer service that those orders will not come to me. 
Although some kept showing shipped, there is no shipping confirmation. The 3 orders that came here were returned. 
Three boxes were left outside my door and I tried everything to have them picked by amazon to no avail. I do not need these. 
I have attached some of the email exchanges since the old account was closed and a new card issued. 
After 4 months of trying to have the XXXX removed, chase came out with the conclusion that these orders are valid and I must pay back the amount. They are charging interest and this is getting out of hands. 
I file this complaint to have this issue resolved since neither amazon nor chase is willing to clear the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered furniture from JcPenney about 3-4 years ago ( to include warranty ). The furniture kept falling apart ( despite multiple replacements ) so I asked for a refund. The company took three months to pick up the broken furniture and had not refunded me the amount paid. The company then put my balance as owed on my credit report - even though the amount owed to me surpassed the amount I owed them. I worked for three years to get this resolved and was finally issued a check this XX/XX/XXXX for over {$800.00} ( amount owed on credit report was {$660.00} ). Even though I have finally received my money, the collection is still on my credit report. I have disputed with the credit bureaus but JcPenney still certifies the collection. I have called JcPenney, Synchrony bank ( card company ), and XXXX XXXX XXXX ( collection company ) to dispute and no one seems to know who can remove this mark from my credit. I have also sent certified letters and all of my documentation ( attached ). I have now enlisted the services of an attorney as I am trying to acquire approval to purchase a home but this mark on my credit is helping to prohibit that.
Product: Mortgage

I obtained a HAMP modification on my XXXX mortgage. I submitted a loan modification request on the junior lien Green Tree Servicing holds on my property and we requested it be evaluated under 2MP. Afterward, I spoke to XXXX, a Green Tree representative on XXXX XXXX, 2015 to discuss status of a modification application I submitted. According to the representative, while she admitted I was eligible for 2MP, I was denied loan modification. 
The loan servicer participates in 2MP, a federal program, and my loan is eligible for modification pursuant to Federal guidelines. Green Tree refuses to participate in good faith in this program. I am living proof..
Product: Mortgage

This complaint is necessary to involve the loan originator and debt owner in reviewing complaints #  XXXX  and #  XXXX .  Morgan Stanley  needs to exercise oversight of its loan servicers to ensure that its customers are treated fairly and respectfully, and to keep them from creating more risk than they protect. That is certainly the case here. Customers do not consume their homes. They are a necessity of life. Loan servicers do consume them.     I have {$70000.00} to {$80000.00} of hard earned equity in my property against the {$55000.00} total debt. That merits fair treatment and direct communication to resolve the issues. I have arranged the means but need reasonable deadlines and timely responses to requests for the necessary information have I needed. I need to be allowed to speak directly and consistently with someone in authority, not a call center.
Product: Debt collection

As my family was looking to buy a house in XXXX california - due to job changes, and our house already leased out coming up in XXXX, my credit score dropped by XXXX points. I assumed it was from a newly opened account to take care of emergency medical cost. I did not look further into it. I paid that bill off, and no change happened - so I looked closer, and there was one negative item on my report. I have spotless credit and suddenly this unknown company which I had never heard of has a XXXX dollar collection on my XXXX report. I immediately called them and told them I was a victim of severe identity theft. I sent them all of the documents ( police reports FTC affadavit, notarized, letter ). They assured me after a few days passed I neednt worry and it would be removed. It wasnt. I disuputed with the credit agency XXXX, and it was CONFIRMED as valid by the company after promising to remove it. I could not send through another dispute online so XXXX wanted me to send a letter which would make us basically homeless as renters would be taking over our house. I called again and was assured that the compliance dept would handle it They didnt. It was reported again on XX/XX/XXXX with additional interest. Called again was told to email compliance and they would send a letter of deletion. THey did not. I sent all of the documents requested to verify my identity and again the ID Theft which they had received many times throughout the years as it happened twice ( same style of fraud I believe it to be same person ). So we are close to XXXX the item remains on my credit and this company has done nothing they promise to do. My credit I have worked so hard on was devastated by this company, and they keep lying to me. This is having a grave effect on my new job, and health due to stress, as we need to prepare the house for renters and should have selected a home in XXXX XXXX by now, And Wakefield and Associates shows zero concern They also argue that they are not reporting it when I am staring right at the entry on XXXX. My score was XXXX now its like XXXX. I am in dire need of help. Please let this company know about the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Of XXXX Account # XXXX, XXXX # XXXX, XXXX XXXX Account 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: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX, XXXX, TRANSUNION AND XXXX   XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018,  includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX, XXXX, TRANSUNION AND XXXX continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a Bank of America, XXXX XXXX Mastercard card. I was denied the card based on outdated information used by Bank of America. My current credit history shows no judgements, they are basing the denial on outdated accounts, an information that has been deleted from my credit report.
                  My current credit scores with the major 3 reporting agencies shows my scores are all over 800. I currently earn an income of over $XXXX dollars.  I feel this in violation of the Federal laws, also I have been a customer of Bank of America since 2003. I am a retired military veteran (XXXX).
                  I feel this is a discrimination, based on my age, and ethnicity, the wording of the rejection insults my intelligence and shatters my belief in the american dream, that if you work hard, acknowledge your mistakes you can achieve your financial dreams in America. I would not have filed this complaint if my credit scores and my savings were not good. But to deny me this credit card based on old information and not my current credit score is just wrong. I am hoping your office can get Bank of America to recant this decision or explain their interpitation of federal law. I am attaching a copy of the rejection letter for your review.
Very sincerely
XXXX XXXX XXXX
Product: Credit card or prepaid card

I received your XXXX Card in the Mail without a payment address. It had a XXXX XXXX logo on it. This was in fact a dual purpose account. The clerk in XXXX never explained it to me when she gave me the card. The correct name of the card is XXXX/XXXX, not XXXX XXXX Prior to the payment being due I sent the payment to XXXX XXXX. They received the payment and showed as a credit on my account until it was transferred several months later. 

The payment was sent to XXXX XXXX, with the XXXX Credit Card Number on it. I called the XXXX number on the back of the XXXX card and advised them. I was told they would take care of it. They never did it until I made several additional calls over a period of months. 

I have written numerous letters to XXXX, this matter has never been resolved although I was in constant contact with the XXXX credit card department. 

Received a letter datedXX/XX/XXXX/XX/XX/2014, informing me it would be taken care of, it never was. Note the letter is not completely accurate as it does not show all the contact made between the parties including XXXX XXXX They were very quick to add fees and interest and interest to the fees and interest to the interest on the fees. Although they were unable to transfer money to the correct account. Bottom line the principal amount ( s ) were paid prior to the due dates. 

My opinion company XXXX is a mill to attempt to generate fees and interest, I caution everyone to be very careful and document everything religiously as it occurs. 

Their business model is to give credit to those who can not afford it and fee them to death. A quick search of the internet shows the type and number of complaints. 
Companies with this business model should not be allowed to operate, they are XXXX the American Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was billed while being on a fix income and XXXX on XXXX XXXX and XXXX XXXX for XXXX dollars from XXXX XXXX XXXXIt 's been on going since XXXX XXXX account # XXXX would like it to be remove from my cridet report under section. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the following items of infromation .Any other adverse item of informtion other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681- @ ( A ) ( 1 ) A person shall not furnish any informtion relating to cusumer to any comsumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I notice I had an hard inquiry on my credit report on XX/XX/2019 for a credit card from syncb/amazon. I did not request a credit card. 
This is all the information I have about the company Syncb/amazon XXXX, FL XXXX ( XXXX ) XXXX