23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In the later part of XX/XX/XXXX I received a call from a collection agency that my American Express account had been sent to them for non payment. On XX/XX/XXXX my city was struck by the XXXX storm my home and possessions were flooded. I was left destitute. My family had to walk thru waist deep water to get to high ground to be rescued. From the time I opened the Amex account until XXXX XXXX 2017 I  have paid my bill on time, even my XX/XX/XXXX bill was paid on time. My last payment was on or before the XX/XX/XXXX. However XX/XX/XXXX brought about a hardship. I called Amex and explained the situation as was told that I would be excused from paying the XX/XX/XXXX and XX/XX/XXXX bills. In fact I called all my debt account and explained my situation and was told the same. I have a great payment record with them and wish to keep it that way. I made a second call a few weeks later to confirm my being excused from paying XX/XX/XXXX bill just to be on the safe side and was again told that yes, due to the situation Id be excused. However, later that month I was called by a collection agency and told that my Amex account had been turned over to them for non payment. The lady stated that this might be a mistake because she sees that it is less than 60 days behind. I have been contacted by more than one collection agency regarding the Amex account. I find this more than upsetting ; I was a good paying client, I lost my house, my car, all my possessions because of something that I had no control in. I presented this information to Amex and was told that I could miss the XX/XX/XXXX payment without penalty. Yet they submit me to collections ; my credit score has been affected. Collection agencies are harassing me about the Amex account. 
Ive had issue with Amex in the past charging interest on purchases when I did not make purchases but this is too far. I am in a position where I need to rely on credit to rebuild life for my family and am being denied because of this stunt from Amex.
Product: Payday loan, title loan, or personal loan

Was approved for {$2000.00} dollars didn't receive anything.Then They had me send {$100.00} XXXX XXXX  and {$170.00} dollars XXXX XXXX  and now they want me to send {$100.00} dollars for cancelling my loan which I didn't send and they won't refund my money that I sent
Product: Debt collection

Someone purchased a phone from an XXXX XXXX XXXX store in Massachusetts ( where I dont reside ) and used my social security number to obtain the device and then did not pay for it.
Product: Credit reporting or other personal consumer reports

This is my notice of liability and intent to sue. 
Since slavery and involuntary servitude is illegal and unlawful I would have to give you written consent to cause injury to me. This is human trafficking by way of debt slavery! You have imposed a tax on me without my written consent! Article 1 Section 8 clause 1 only CONGRESS can impose a tax! By the business charter of Wisconsin chapter 180 you are not Congress you are a corporate entity! 
Contract law states there has to be a meeting of the minds, consideration and value given! PROVE written Consent! This is damaging my life and keep me in complete debt bondage. By way of involuntary servitude! I have not given this company written consent! 
Remove this account immediately! You have 15 days and this is a good faith attempt rectify this unlawful act. I am a private citizen! Remove XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX! 
-Debt bondage is focused on human trafficking crimes in which the traffickers primary means of coercion is debt manipulation.
Product: Credit reporting or other personal consumer reports

The erroneous reporting of a late payment on my consumer credit report provided by XXXX XXXX, Equifax, and XXXX. 
Creditor Name : XXXX  Account XXXX Date of Alleged Late Payment : XXXX XXXX Violation of 15 U.S.C. 1666 ( b ) : In accordance with 15 U.S. Code 1666 ( b ), I have the right to dispute any billing errors or unauthorized charges. The late payment reported by XXXX XXXX, Equifax, and XXXX is incorrect and a violation of my rights under this statute. At no point did I make a late payment on the account listed, and any information suggesting otherwise is false. I have attached proof of timely payments made to the creditor, including bank statements and payment confirmations. 
Violation of 15 U.S.C. 1681 : Under the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S. Code 1681, I have the right to accurate information being reported on my consumer credit report. By falsely reporting a late payment, XXXX XXXX, Equifax, and XXXX has violated this statute by failing to ensure that the information they report is accurate, complete, and up to date. This misinformation is damaging my credit score and standing, which constitutes harm. 
Request for Immediate Action : I hereby demand that XXXX XXXX, Equifax, and XXXX : Immediately remove the erroneous late payment entry from my consumer credit report. Investigate this matter and correct any other inaccuracies related to my credit report. Provide written confirmation that the disputed item has been removed and the appropriate corrections have been made.
Product: Student loan

I submitted an Income Sensitive Repayment Plan form to American Education Services ( A.E.S. ) via a fax and certified mail and I received an email from a XXXX ( a representative of A.E.S stating that the Income Sensitive form form was received on XXXX but as of today my AES account states that my student loan is 5 days past due and this information is being reported to all the credit bureau agencies. Every time I contact A.E.S. I am giving excuses as to why my account has not been updated to reflect my Income Sensitive Repayment Plan. I has told them on numerous occasions that I am and have been unemployed for several years and this Income Sensitive Repayment Plan will keep my acount in good standings and also keep in from going into default.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate removal of the following unauthorized FRAUDULENT credit inquiries from my TransUnion credit report : XXXX. XXXX XXXXXXXX XXXX ( XX/XX/2025, XX/XX/2025, XX/XX/2025 ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2025, XX/XX/2025 ) XXXX. XXXXXXXX XXXX  ( XX/XX/2025, XX/XX/2025 ) XXXX. XXXX XXXX ( XX/XX/2025 ) These inquiries were made without my authorization and are a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically : FCRA 604 ( 15 U.S. Code 1681b ) : Credit inquiries can only be made with the explicit consent of the consumer or for a permissible purpose. These inquiries were unauthorized and fraudulent. 
FCRA 611 ( 15 U.S. Code 1681i ) : As a consumer, I have the right to dispute inaccurate or fraudulent information on my credit report and expect a timely resolution. 
FCRA 609 ( 15 U.S. Code 1681g ) : I am entitled to know who accessed my credit report and to request removal of inquiries that were unauthorized. 
XXXX. I have never initiated or approved any applications or credit transactions with these institutions on the above-listed dates. 
XXXX. These inquiries are causing harm to my credit profile and were conducted without my knowledge or consent, constituting identity theft or misuse of my information. 

XXXX Requested : I demand the immediate removal of these fraudulent inquiries from my credit report. In addition, please provide written confirmation that the inquiries have been removed. 

Supporting Documentation : Attached is my completed FTC REPORT
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX is XXXX address is XXXX XXXX XXXX, XXXX XXXX AL XXXX XXXX I am a victim of identity theft due to the Equifax Data Breach. The following are fraudulent hard inquiries and are not factual and should not remain on my credit report. Stop sending me letters saying you can't do anything about it because it's factual when it is not. My data was leaked because of XXXX and you are the worst company to deal with. The least you can do is remove fraudulent inquiries from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the rent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institutions and Zelle failed to investigate my claims adequately. they informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPB 'S finding indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I procured a credit report with Experian.com XX/XX/2022 and after getting a copy of my report, I called Experian because I saw some UNVERIFIABLE item on my personal profile ; I detected that there was a PUBLIC RECORD on my credit report which is not mine and I have not declared bankruptcy. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and, 1099-G form for my Social Security Number are all included in this complaint. I want you to know that I am telling the truth Experian not blocking this item is inadvertently resulting in me being extorted.
Product: Bank account or service

On XX/XX/XXXX I went to log into my citibank account and could not. It said I needed to get my new card first and asked me to input some information I found this strange because I had just gotten a new card a few months ago so i called the bank to find out after 20 years they are closing my account. I have spent hours on the phone trying to get a reason why and can not. They also will not let me withdraw my money and have left my XXXX year old daughter and XXXX year old granddaughter without access to her money because her account was linked to mine. I am out of the country on my honeymoon which ironically started on XX/XX/XXXX. Some mysterious investigation was done by this unreachable division of the bank as I called my branch and they claim they can only email these people and still do n't have a response. In this day and age this is outrageous. The account has well over 80k in it.
Product: Credit card or prepaid card

I have an American Express card, on this month 's bill I was charged with interest on a purchase in 2018. They are calling it a trailing interest. I would have paid the interest on the billing statement for 2018. This year I have been charged {$680.00} in interest alone and can't afford that kind of cost.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I requested all three of my credit reports from all three bureaus back in XXXX. Upon receiving and reviewing these reports I found numerous fraudulent accounts had been established in my name in fraud, by someone who used my personal information. I began the dispute process immediately by both contacting the credit bureaus and creditors where the fraud accounts originated from. I wrote each bureau ( XXXX, XXXX, Equifax XXXX very detailed letters and supplied them with proof ( Police Reports, Photo ID, ID Theft Reports ) I asked them to supply me with proof they they had on these debts/fraud accts, etc. 

Proof I asked them for was signed contracts of these accounts, IP addresses, physical mailing addresses, logins, bank accounts associates with these debts0 They have refused to supply me with this information and still reporting these fraudulent accounts because the creditors allegedy verified with them ( baiscally the creditors is paying them to report this fraudulent information )
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I have a mortgage account reporting that should not be. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

The following account has been disputed numerous times with no response. 

- XXXX XXXX Account Number : XXXX XXXX and XXXX have looked into this matter and have removed this account. However, Transunion seems to be the only one not complying. Not only are they not complying. They are also ignoring the matter and not giving any explanation. 

FTC report number : XXXX
Product: Payday loan, title loan, or personal loan

On XXXX, I applied for a personal loan of {$25000.00} from BestEgg Company. 
I filled out all the documents and specified I was " Self-Employed. '' I received the notification that I was " Approved. '' ( " Congrats! You're approved ). 

NOTE : THIS WILL BE MY SECOND LOAN FROM BEST EGG The next screen shows my " TRUTH IN LENDING DISCLOSURE STATEMENT. '' Then the next screen said " Almost done ... Before we can deposit your funds, we need to verify your information. '' BUT I WAS APPROVED. 

The display continued by stating : " You could get verified instantly by connecting your payroll provider ( like XXXX, XXXX, XXXX ) ''?? 

First of all, I do not have a payroll provider. I stated that I was self-employed when I started the application process. THEY APPROVED ME. 
Is BestEgg trying to get me to pay for a Payroll Service that I don't need? 
I have included documents. 

Best Egg, XXXX XXXX XXXX, XXXX, PA XXXX.
Product: Student loan

FedLoan servicing provided essentially zero support for individuals living outside of the US until about one year ago. In the meantime, recertifying an income-driven repayment plan was nearly impossible as the company had no capability of calling internationally to inform its international clients that a document was received or was in good order. Instead, a determination was made that my recertification was not properly handled and so FedLoan recommended that I go into forebearance deferment in order to give THEM time to process my recertification application. After this, the interest on my loan was capitalized and when I complained they claimed that this was my fault rather than their fault for not having efficient means for international clients to recertify income-driven repayment. I believe my only course at this point is to sue FedLoans, and they have agreed that they will not be revisiting the issue in spite of my entreaties.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against EQUIFAX for their failure to remove fraudulent accounts from my credit report as required by law. 
I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ) as evidence. The credit bureau acknowledged my dispute but has not complied with the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 
Despite my initial request for the blocking of these fraudulent items, the following account remain on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C. 1681i ( 7 ) - Description of Investigation : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. To date, I have not received this required information.

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Verification Requirement : Per the FCRA, you are required by federal law to verify all accounts and public information through physical verification of the original signed consumer contract and/or judgment ( s ). Without such verification, there is a risk that erroneous or fraudulent information could be included in credit reports. Given the lack of adequate verification, I request the removal of this unauthorized public record information.

Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( 5 ), I request that you delete any unverifiable information.

Failure to Investigate Accurately ( 15 U.S. Code 1681i ) : After submitting a dispute regarding inaccuracies on my credit report, I did not receive a thorough investigation within the mandated 30-day timeframe. The results of the investigation did not adequately address my concerns.

According to 15 U.S.C. 1681c-2, credit reporting agencies are required to block disputed information identified as resulting from identity theft within four business days of receiving a valid identity theft report. Additionally, under 15 U.S.C. 609 ( a ) ( 2 ) and 1681i ( 7 ), any unverifiable or inaccurate information must be removed from my credit report.

Inadequate Compliance Procedures ( 15 U.S. Code 1681e ( b ) ) : The bureau has not demonstrated that it has implemented reasonable procedures to ensure the accuracy and completeness of the information provided on my report. I am requesting detailed information on the procedures used during the investigation.

I demand that the CFPB investigate this matter and take appropriate action to ensure that these fraudulent accounts are deleted from my credit report. I expect a prompt resolution to this issue and would appreciate any guidance you can provide regarding my rights in this matter.

Thank you for your attention to this urgent issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for loan to buying house as residential in california on XXXX/XXXX/2014 at BANK OF AMERICA, after receiving all documents that they were requested, i receive letter from them that loan was denied without any reason.I requested many times and asked them please let me know the reason of denied loan ( on XXXX/XXXX/2014 ), unfortunately nobody respond and it caused hurt feeling to me and economical damages to me.there is a lot of documents can prove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COMENITYBANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 
COMENITYBANK/NY & CO XXXX Balance {$0.00} COMENITYBANK/VICTORIA XXXX Balance {$0.00}
Product: Checking or savings account

On XX/XX/2021, I received a letter from Citibank ( see attached ) about an account that was attempted to be opened but was unable to due to the bank 's inability to verify credit information. I contacted Citibank at XXXX on XX/XX/2021, to advise them that I had never tried to open an account with their bank and that it was a fraudulent application. They apparently had all my personal information including my SS #. They said they would turn it over to their ID Theft department and gave me their number at XXXX to follow up, along with this contact information for the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that the Credit reporting Agencies are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this CFPB complaint to help establish a legal recourse. My information has been exposed in the XXXX data breach. The following account, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. If the Credit Bureaus choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please have the following items removed as soon as possible : 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 Original Creditor XXXX XXXX XXXX XXXXXXXX Balance : {$410.00}