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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Mortgage

I filed a complaint ( # XXXX ) against HSBC for unlawfully - and without my knowledge, permission, or consent - revoking an ACH mortgage payment agreement I have had for 14 years. Only I can revoke it and I have not. HSBC 's money is in the bank and it is HSBC 's own fault not to use the ACH agreement to collect the funds. 

I just received via CFPB a response letter from HSBC. It makes no reference to the said complaint number, nor does it address ANY of complaints. HSBC must do so, sooner or later.

In its letter, HSBC states " As you know, on XX/XX/XXXX, you were offered a modification trial plan. Your account was set up to automatically debit ( direct debit ) your monthly mortgage payment. However, since trial plan payments can not be drafted via direct debit, we cancelled your direct debit and subsequently notified you via letter dated XX/XX/XXXX ... " HSBC deceptively implies that I was a party to some trial plans. I was not. I did not accept HSBC 's modification offer, let alone its trail plan. Therefore, HSBC had no right to usurp my rights and illegally revoke my ACH agreement. Only I can revoke it. 

I therefore need HSBC to state what legal authority and justification it had to revoke my ACH agreement without my consent and permission. If it can not, HSBC must fix my credit and compensate me to my satisfaction and respond to my question from the last complaint which I re-state below. 

Thank you.
Product: Money transfer, virtual currency, or money service

Description of the Issue : I signed up for Metal Pay, completed their Know Your Customer ( KYC ) verification, and had my account fully approved. After approval, I attempted to purchase XXXX  ( XXXX ) and LOAN tokens using my debit card for {$23.00} USD. However, the payment failed, and my bank confirmed that no transaction attempt was received. Shortly after, when I tried to log in again, I received a message stating that my account was frozen, but I was never notified by Metal Pay about the freeze or the reason behind it. I immediately emailed their support, and after over a week with no response, I followed up again. Metal Pay finally responded, stating that after a thorough review, they will not support my account going forward, and their decision is final. They refused to provide a specific reason for freezing and closing my account. They also prohibited me from opening a new account. Key Issues : 1. Unjustified Account Termination : My account was approved, and I passed KYC verification. Metal Pay collected my personal data, only to freeze and terminate my account without reason. 2. Lack of Transparency & Due Process : I was given no explanation for why my account was frozen or closed. 3. Unprofessional Business Practice : Metal Pay failed to notify me of the freeze, leaving me locked out without warning. 4. Possible Unfair Business Practices : If my failed transaction triggered this, Metal Pays procedures are problematic and unfairly penalize users. Given that Metal Pay operates as a financial service, I believe the Consumer Financial Protection Bureau ( CFPB ) should investigate their practices to ensure they are compliant with financial regulations. Note : I have attached a screenshot of the email that my account approved. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I was paying Lexington Law Firm to fix my credit and a few months later I go back and check my credit report and nothing 's changed so I was basically just paying for them to just talk to me and not fix anything
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX, XXXX XXXX A XXXX XXXX, XXXX Investigation Request Letter Date of Birth : XXXX, XXXX, 1997 SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of, which made me write to you all.Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want those accounts deleted because they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a XXXX XXXX XXXX  XXXX where this lawyer said you have 30 days to complete this investigation. 
Procedures in case of disputed accuracy. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) covers the general investigation overview, the extension of the period to reinvestigate, and the limitations on extension of the period to investigate, while 1681i ( a ) ( 2 ) covers the promptness in how the bureaus must handle the notifications. 1681i ( a ) ( 3 ) covers if and how the bureaus can determine if a dispute is frivolous or irrelevant, all the way to 1681i ( f ) ( 3 ) where it governs how a CRA notifies a consumer through a reseller and others who furnish third party disputes free of charge, etc. Please investigate the following accounts and remove them for not authorizing my personal information to be verified.

I demand the following accounts be verified or removed immediately. 
Name of Account : XXXX XXXX Account Number : XXXX Action Requested : Cancel Contract. Please provide the original contract or delete. Victim of Identity Theft. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have rights 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 instuctions.

Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed. I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file. I want the investigation outcome to be sent to my address I put on the from area. 


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

On XX/XX/XXXX the CRA reported a late payment on an auto loan for XX/XX/XXXX that was incorrect. I disputed the information and sent my proof to the CRAs. The late payment was then removed XX/XX/XXXX. On XX/XX/XXXX a new late payment was added for XX/XX/XXXX. This inaccurate data has been reported to the Attorney General and OCC. this inaccurate data is also in violation of a number of FCRA Laws, metro 2 data compliance and consent of disclosure. If the information was correct and true under CDIA the data would not constantly change.
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 : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block 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 are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX CA, XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX XXXX {$8300.00} ; XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : - ; XXXX XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the XXXX XXXX AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
This request has been denied and I would like these inaccurate information to be REMOVED : DATE DISPUTED XXXX IN XXXX, EQUIFAX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECT IN XXXX AND XXXX XXXX XXXX XXXX XXXXXXXX XXXX IN EQUIFAX XXXXXXXX XXXX XXXXXXXX Untitled { Collection/Chargeoff , Medical Subject has not satisfied debt. }
Product: Credit reporting, credit repair services, or other personal consumer reports

The Money Source reported my XX/XX/2023 mortgage payment as late to XXXX. My XXXX payment was made on time ( XX/XX/XXXX ) and in full ( {$1900.00} ) as reflected on The Money Source 's own ledger ( attached ) and my bank statements ( attached ). I reached out to the Money Source on multiple occasions ( by phone and in writing ) to ask for a correction but they refused. I disputed the late payment with XXXX and received notification that The Money Source had verified the information as being reported correctly. The late payment is still reflected on XXXX report and both XXXX and The Money Source refuse to make this right. This is ruining my credit and preventing me from obtaining the credit I need to provide for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2017, I was informed that there had been a data breach of Equifax, which contained very sensitive information on millions of people in the US. I was directed to use their tool to check on the status of my information at www.equifaxsecurity2017.com and was informed my information had been compromised. This may include my name, address, social security number, and more. This breach makes my sensitive information potentially public and puts myself at risk for identity fraud, and is an improper use of my information.
Product: Student loan

I am a student at XXXX. ( XXXX ) and although I am XXXX XXXX, the school has not provided accommodations. As a result, my condition worsened. I discussed my options with the school and called " FedLoan Servicing '' about my grace period where I was told that if I drop below half time enrollment the 6 month grace period starts and then resets the moment I return to half time enrollment. 

So I dropped a class XX/XX/XXXX taking me just below half time and returned to full time status in the XXXX. I attended every class, and did all homework. Unfortunately, I still was n't quite well yet, and started having XXXX which I saw a medical professional about XX/XX/XXXX. I was told that if I dropped at that time there would be a full refund and that I would be eligible for student loans in the summer. Based on this, and what I was told about grace periods, I felt safe dropping the semester XX/XX/XXXX intending to continue again in the XXXX. 

FedLoan Servicing instead sent me a letter telling me that my grace period ends XX/XX/XXXX, which would be the case if the grace period never reset in XX/XX/XXXX, but the grace period should end XX/XX/XXXX. This is a big deal, because the XXXX semester starts XX/XX/XXXX, and instead of resting as I am supposed to be, I 'm XXXX over what should be a simple issue. 

On XX/XX/XXXX I sent FedLoan servicing documents from my school showing the date that I fell below half time was last XX/XX/XXXX and I quoted back to them their policy : " If you go back to a Department of Education approved school at least half-time before your Grace Period ends, you will get another six-month Grace Period the next time you leave school. '' I explained that either my grace period should end later, or they lied to me when presenting this policy. They told me the matter would be reviewed and I would get a letter 7 to 10 days later. I waited 16 days, sent another email asking why I have n't heard back from them, then today - XX/XX/XXXX - they said that on XX/XX/XXXX they checked my current status which said I am not currently enrolled. In other words, they did n't even try to investigate the actual matter. They tell me that the school has to update my status as active for them to do anything, which is simply not true. I am not currently enrolled in classes and that should n't matter. 

All I expect them to do is follow the rules they provided me in advance of making decisions about my loans. Either the grace period is set to end XX/XX/XXXX, or they committed fraud by withholding important information from me. Either way, I will be taking classes again starting XX/XX/XXXX and I want grace period issues to be corrected. 

The only reason why I have not already registered for summer classes is because I am still paying the school back for the XX/XX/XXXX semester, and I have to have it all paid back before I can enroll in classes again. It 's especially strange to owe the school money for the loans that FedLoan Servicing denies exists. I told them they should have a record of this, since the school paid them back for the returned student loans, but they act like they do n't.
Product: Credit reporting

I had a Federal Tax Lien on my Equifax and XXXX report. The Lien has been paid in full and released by the IRS/Department of Treasury. I have submitted 2 requests to Equifax to remove it from my credit file as instructed by the IRS however Equifax will not remove it. They close my disputes referring my back to the County were my Lien was filed. I have provided the document provided by the IRS.
Product: Debt collection

Dear CFPB, I just looked at my credit report and I am writing to file a formal complaint against XXXX XXXX regarding their actions concerning account number XXXXThe collection agency has egregiously violated my rights as a consumer under the regulations outlined in 12 CFR 1006.34 ( b ) ( 5 ) ; 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ; 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ).

According to my understanding of the aforementioned regulations, XXXX XXXX has failed to adhere to the following : 1. **12 CFR 1006.34 ( b ) ( 5 ) ** : This section stipulates the requirements for providing notice to consumers. XXXX XXXX has not provided me with proper notification regarding the collection activities related to account numberXXXX 

2. **12 CFR 1006.34 ( c ) ( 4 ) ( i ) ** : This regulation outlines the specific information that should be included in the notice provided to consumers. XXXX XXXX has not furnished me with the required information in the notification, depriving me of essential details regarding the debt in question. 

3. **12 CFR 1006.34 ( d ) ** : This section emphasizes the need for accuracy and integrity in debt collection practices. XXXX XXXX 's actions have lacked transparency and accuracy, which is a clear violation of this regulation. 

4. **15 USC 1681-S2 ( 7 ) ( A ) ** : This provision safeguards consumers ' rights by ensuring that collection agencies provide proper notification before initiating collection efforts. XXXX XXXX has failed to uphold this fundamental requirement. 

I am hereby requesting that this account is deleted from my credit report. 

Furthermore, if XXXX XXXX believe that they have provided me with proper notification, I demand that they provide evidence in the form of a certified receipt with my signature acknowledging receipt of the notification. 


Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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 information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year> and noticed my personal information was incorrect. The incorrect information is my name. I spoke directly with Trans Union and this information should have been updated per the conversion from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. However, weeks later and nothing has changed. 

I dont know what else to do. Can you look into this matter. 

Update the information asap!
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX citi diamond secured card 1. i sent in a {$200.00} Deposit for a secured Citicard 2. after 2 months i lost my job and called to cancel the card 3. the balance at that moment was XXXX $ 3a. because this was a secured card the balance was to be deducted from the {$200.00} deposit leaving me a {$70.00} refund.

4. next month i received a billing statement account was still open and a {$28.00} late free was added to the balance. i called them again and asked if the call was being recorded? Yes! I lost my job, please close this account.

5. the woman stated she wanted to leave the account open another 30 days just in case there were more charges. NO NO NO, there are no more charges, i do not consent. i need this account closed.

6. the next month i received another bill for an additional late charge six months of late charges after i closed the account!!!!

7. the card is now over the {$200.00} limit and continues to accrude fees 8. by the time the XXXX $ security deposit is added the balance is now around 20 {$9.00} they waited two billing cycles and now there is a balance of XXXX $ all late fees and interest and i have not spend a dime had they cancelled the card when i requested in XXXX they would have owed me money. 
10. i can only assume that FDIC insurance works both ways and they were collecting from the government.
Product: Checking or savings account

I received an email a few months ago that Bank of America ( BoA ) would close a checkings account in my name. I had never opened an account with them. When I called, the rep said I would receive a packet in the mail in order to file fraud. When the packet came in the mail, it asked for copies of several of my credentials. I did not feel comfortable doing so. I went into a BoA branch and asked them to verify the account was closed. They said it was. 
A few months after that, I received a letter in the mail saying another BoA Checkings account in my name would be closed. I received a Bank of America {$700.00} check for the remaining balance on that account. Someone opened the account in my name and received several XXXX payments in one day. I have not cashed the {$700.00} check. However, I do not want accounts to keep being opened in my name. How can I stop this?
Product: Credit reporting or other personal consumer reports

I am filing a complaint against transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, trans union 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, transunions 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 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 '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 transunion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I received a notice on XX/XX/XXXX from I.C. System, Inc., stating that I have a delinquent account that has been turned over to this collection agency. I responded with a 30 day validation request on XX/XX/XXXX. I ask for an agreement with a creditor that authorises this collection company to collect on this debt. I also asked for the agreement that has my signature that says I agreed to assume this debt. I asked for valid copies of the debt agreement stating the amount of the debt and the interest charges. I also asked for proof that the statue of limitations wasn't expired as well as a complete payment history on the account. I also asked for their lisence that showed they were allowed to collect in my state as well as their licence numbers and their registered agent. I did not receive a response in 30 days. I did however receive a response on XX/XX/XXXX that stated communications are ceased and attached to that letter was a phone bill that was dated XX/XX/XXXX through XX/XX/XXXX. There was no information verifying or validating that this debt belongs to me or that I am responsible to pay this company. I sent a second validation letter to them on XX/XX/XXXX to have this debt validated as mine. I did not receive any response from this company. I sent a 3rd and final validation request on XX/XX/XXXX. This was sent certified mail. They received this letter Validation request on XX/XX/XXXX. It has been longer than 30 days and I have not received a response. I still have not received any validation from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # 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