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

I am filing a compiaint against Equifax for failing to properiy 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. 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 recessary proof of investigation. 

This is the accounts that Im marking in accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Called Citi to dispute 3 unauthorized transactions from a merchant. Citi issues temporary credit and subsequently without any explanation or notice withdrew the credits and denied the dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AGAIN HAS FAILED TO REMOVE A COLLECTION FRAUDULENT ACCOUNT AFTER MORE THAN 93 DAYS, THEY HAVE A DEALWITH AGENCY TO STAY PUT. ALL OTHERS DELETED OVER 78 DAYS AGO. THE COLLECTION ACCOUNT IS RENT RECOVER OF BETTER.
Product: Vehicle loan or lease

I logged onto my online Santander account for my car and saw that they charged me a " miscellaneous '' fee of {$87.00} on XX/XX/XXXX with no explanation. This amount was deducted from the total monthly payment I made that day. As a result, this is very difficult to dispute with my bank because they did not take the fee until after they had the whole payment in their possession. I called their customer service number and they said that fee is from me " extending '' the loan " for one month '' back in 2017. The person who I talked to on the phone said she had no idea why I was charged this amount now and also said I would be charged this {$87.00} THREE more times and she did not know when I would be charged. 

I demanded to see the paperwork that I signed in 2017 and she said Santander is unable to provide it because of my electronic signature. She said I would have to look at the email that they sent me two years ago. I looked at the email but the link in the email no longer works.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I bought a XXXX XXXX XXXX XXXX and financed it through XXXX XXXX XXXX. In XXXX XXXX, I checked my credit score and noticed XXXX XXXX XXXX had reported two late payments XXXX XXXX and XXXX XXXX ). I contacted them in XXXX of XXXX to dispute these false statements and nothing was done. The faxes were sent over on XXXX XXXX, XXXX with bank statements proving the payments were paid on time and were not late. 

On XXXX XXXX, XXXX, I was contacted by XXXX XXXX XXXX, which is where I was trying to obtain a home loan and was advised due to the late payments reported by XXXX XXXX XXXX I could not go forward. I then again contacted XXXX XXXX XXXX and Equifax to dispute these false statements. Nothing was done. In XXXX, I finally spoke to a supervisor by the name of XXXX and was advised she would try and figure out what happened and get back to me. On XXXX XXXX I was advised the payments were still late because in XXXX of XXXX I supposedly called and asked for the additional monies that were sent in be applied to principle and with XXXX XXXX payment being only XXXX, which was what was due at the time the payment was now considered late. XXXX XXXX has nothing to do with XXXX of XXXX payments whatsoever. On XXXX XXXX, XXXX I was advised XXXX XXXX XXXX is closing out there case and nothing is going to change.I have attached the bank statements showing were I was not late in XXXX and XXXX of XXXX. 

Furthermore, I paid the auto loan in full in XXXX of XXXX and do not have access to the loan history due to account now being closed. Please please help me! I have documents to prove the payments were not late whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT ED/XXXX XXXX Balance Owed : {$0.00} ; DPT ED/XXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

XXXX XXXX XXXX account XXXX is appearing on my XXXX and XXXX credit bureaus.it has been deleted from XXXX.ERC is a collection agency for XXXX the original creditor.At the time of the problem I contacted XXXX regarding numerous unauthorized charges.In contacting XXXX multiple times to resolve the problem, XXXX kept escalating my calls to higher authority and long hold times without answering.The issues were kept in a state of limbo by XXXX without ever addressing or resolving the problem.
Product: Credit reporting or other personal consumer reports

A dispute was opened against LexisNexis ( case # XXXX ) in regards to an " At-Fault '' accident being shown on my CLUE report, resulting in higher insurance rates for myself, which is inaccurate as I have not been in an at-fault accident on the date listed. After contacting XXXX XXXX to get confirmation, LexisNexis is showing that a glass claim is being inaccurately reported as an at-fault accident on my CLUE report. 

I have given LexisNexis the information from XXXX XXXX that shows that I was not involved in an accident, and that this is only a glass claim. After submitting this information to LexisNexis, I have only heard back once from an automated email asking me to send in additional documents to prove my identity, which was already done prior to this email ( XXXX ). 

LexisNexis has been unresponsive to my emails and is not willing to resolve this case.
Product: Payday loan, title loan, personal loan, or advance loan

Received a response and the executive office will not call me to answer my question. I have called and left a voicemail several times and they express that I would receive a call within 1 business day. Still no call. Also the response that they provided is inaccurate. Please have someone call me or else I may seek legal action.
Product: Checking or savings account

On XX/XX/XXXX, I was completing a transaction on the website XXXX for sale of some furniture for a total of {$720.00}. Buyer told me he was being relocated and his company would be emailing me a certified check in the amount of {$2100.00} that I could mobile deposit, and y instructions were to deposit, then XXXX the moving company for arrangement of pickup. 

I mobile deposited the check into my Wells Fargo Account, and the funds were made available on XX/XX/XXXX, so I completed the XXXX transaction. 

Soon after providing verification of the XXXX Transfer, the buyer then messaged me that more was needed for the moving company, so he was sending another check of {$2600.00}, which I was to XXXX again to the movers. 

I became more suspicious, but I made the deposit, then called Wells Fargo Fraud Detection, as I thought something was up. XXXX with Wells Fargo advised on a reccorded line that the check cleared. I waited the weekend, then went to a branch to show them the checks, which they advised didn't match the previous bankers check. I called Fraud Protection and was again told on the recorded line the checks both cleared, but immediately opened up a claim with Wells Fargo Fraud Protection with XXXX XXXX XXXXXXXX for the deposit and XXXX XXXX XXXXXXXX for the XXXX Transaction. 

On XX/XX/XXXX, both checks were returned, with lost funds on the XXXX transaction resulting in my account being overdrawn. I called back to Wells Fargo to inquire if they were going to be able to refund the {$1400.00} for the XXXX transaction and they advised it would take XXXX days. 

Wells Fargo does not have stops in place to protect me as a customer, as I was told twice that the checks were good and cleared, even while being suspicious.
Product: Debt collection

comenity Bank Contact my ex husband about my debt thats has nothing to do with him. They call his place of employment looking for me. I dont even know his place of employment telephone number
Product: Debt collection

I do not recall having a loan with this company .I just finish cleaning my credit up my credit with XXXX XXXX XXXX XXXXXXXX XXXX pull all 3 of my credit reporting agency and this debt was not on any of my credit reports. This collection agency Plaza Services is trying to collect a debt that not mine on XXXX XXXX XXXX XXXX XXXX.
Product: Bank account or service

Last year, on my way to the airport to catch an international flight, I stopped at a Wells Fargo branch to pick up XXXX which I had ordered in advance for my business trip. Once I checked in with the Wells Fargo teller, she reviewed my account and immediately told me there were additional account opportunities that would benefit me ( as Wells Fargo tellers almost always do on branch visits ). I informed her I was in a rush to get to the airport for my flight and not interested in any additional services, only in picking up my advance order of XXXX. She told me that I would not be able to receive my XXXX until I opened the new checking account she was offering, suggesting that my existing checking account would soon expire and needed to be replaced, especially prior to international travel. Worried about being denied the XXXX I needed for my business travel and the possibility of my current debit card being declined abroad, I agreed to open the new account she was suggesting but only if it would take 5 minutes or less to set up. 40 minutes later, I was still sitting with a personal banker, finishing registration for a checking account that I was pressured into opening and did not need. I voiced my frustration with the Wells Fargo 's employees ' disregard for my urgency, was eventually given the XXXX I needed ( along with a hefty folder filled with information about my brand new checking account ), and was finally free to continue on to the airport for my flight, 45 minutes later than planned. 

A few days later, I was still feeling uneasy about the experience I had at Wells Fargo, so I explained the situation to my father, a former Wells Fargo District President, who quickly told me that they had no business forcing me to open a checking account I neither wanted nor needed. He urged me to call Wells Fargo to have it closed immediately, which I did. My father had significant firsthand experience having worked within the company and knew what they had forced me to do was not right. ( In fact, his opposition to Wells Fargo 's suspicious operations led him to pursue a career in state Banking regulation. ) I have remained a customer of Wells Fargo purely for convenience reasons, though I am now hyper-aware of their slimy tactics to push unnecessary services on their customers. I can only hope that this experience did not negatively impact my credit score and that Wells Fargo never takes advantage of their other loyal customers in the same way.
Product: Debt collection

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : PORTFOLIO RC Account NumberXXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

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

On XX/XX/year> XXXX ran a hard inquiry on my credit. I never authorized such an inquiry, nor did I apply for any loan or credit card from XXXX. I called XXXX and after XXXX attempts to speak with someone, I finally was able to plead my case. The agent assured me that no credit account has been open under my name. I asked why XXXX ran my credit report and he could not answer that. I want that inquiry removed from my report.
Product: Credit card or prepaid card

I received an email XX/XX/20 XXXX from American Express `` We reduced the credit limit on your account to {$4500.00}. The new cash advance limit is {$200.00}. '' This is an attempt to make me go over my limit after I just paid my account in full over {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed acct ending in XXXX 2 times by transunion about 3 late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX listed on the acct and missing payment information for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I provided billing information and payments made directly from creditors website but transunion keep stating in the dispute that all the payment information is correct and verified. 

Here is 1 expample the acct ending in XXXX show late payment for XX/XX/2022, i provided payment history from credit website showing XX/XX/XXXX a payment of XXXX was made, but transunion returns last 2 disputes again saying everything from the acct is verfied and accurate. 
At this point i dont actually believe any human is reading these disputes or verifying anything using the documentation that is being provided. 

At this point i want this acct removed from my credit file because of the amount of errors and transunion ignoring the document proof showing inaccuracies for the acct in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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

they didn't send me proof or they didn't try to fix the problem and removed it. I'm a victim of theft I have mailed them my information 6 times last year and I sent it off again. Nothing is removed..
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a auto through Santander on XX/XX/XXXX. Over the five years I had this loan the lender charged over and beyond in fees. I paid my last loan payment and in XXXX and the lender tried to charge me a late fee. I refused to pay it. The lender has been negativly reporting for since XXXX. The balance was at {$39.00} I had it deleted from my credit report and they place it back on without notifying me first and the balance was now {$420.00}. I have tried to call them to resolve this. They are willing to accept my money but they will not delete the negative reporting history. They can not do this because technically the " charged off '' the account. They wrote this off and they want to collect money " double dipping '' Santander has been incorrectly reporting the balance on my account, I disputed and it was removed and they placed it back on my report for a totally different amount than what was previously being reported/.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NCXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NCXXXX XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX {$2100.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$810.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$6000.00} XXXX XXXX Balance : {$460.00} XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$2100.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$810.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXX Balance : {$460.00} XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$2100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$5000.00} XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Just like the commercial said I should I got a copy of my credit report and there are things that just arent accurate on it. I am greatly concerned because I am a good paying person and dont want people to think otherwise because of these mistakes that are on your report about me. Please fix the following items so anyone who looks at my credit report will see what a good payer I am. I thank you so much for taking the time to help me fix this all up as the commercials said you would be helpful in fixin this kind of stuff. Remove the late dates and negative status of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and remove these item from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to TransUnion disputing 8 accounts as erroneous on XX/XX/2022. It is now XX/XX/2022 and I have not received a response from this credit reporting agencies. I also sent a follow up letter today for TransUnion to comply with 30 day investigation law. I would like these erroneous accounts deleted.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Delete this inaccurate information! You havent did a proper investigation and breaking my consumer rights per the law..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Capital One act # 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 my 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. 

The months in violation are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint today because Tower loan has pulled my credit on XX/XX/XXXX without my permission. The last loan I had with Tower loan was in XXXX of XXXX the loan is now closed. I contacted Tower loan about the inquiry they stated that it was correct I asked for proof and was rudely hung up on. So my complaint to Tower loan is I did not authorize my credit to be pulled on XX/XX/XXXX. I would like Tower loan to show my signature of me applying for loan in XXXX of XXXX. If not I would like this information removed from all three credit bureaus ASAP. Tower loan please correct.