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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XX/XX/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

Misuse of my name, address, phone number, and social security number along with the XXXX XXXX inquiries and unfurnished permissions has led to me receiving calls and letters regarding accounts and people or companies that I do not have knowledge of. Some of these unverified claims and misused information have been added to my credit reports with three major reporting bureaus ( XXXX, XXXX, Transunion ). This also has caused me to have high interest rates and other irrational issues used against me. Several of these items have been disputed with credit reporting agencies and have yet to be properly investigated or removed. The misinformation is having an adverse reaction on my livelihood.
Product: Credit card

Was just notified from the Bank that if I did not go to paperless statements, they would begin charging me a what I consider to be a 'junk fee ' of {$1.00} per month anytime I had a balance of more than {$2.00}. This was a change from their initial terms and conditions from when I opened up the credit card account. I know the CFPB has made significant improvements in the industry regarding 'Junk Fees ' and wanted to call this out. I will go paperless because I have no choice.
Product: Checking or savings account

To Representative of CFPB : I am filing this complaint to request your help in getting restitution for one of my TCF accounts.

I have had my checking account with TCF for more than 20 years. My wife also has 2 checking accounts with TCF. We share one account. So we have three accounts all together.

All 3 accounts were opted in on the same day, we were both at the bank at that time.

She has received restitution for her individual account, and our joint account has received restitution.

I have not received any restitution for my individual account.

I called the TCF admistrators number on XXXX, XXXX XXXX XXXX XXXX and did not get any help to resolve this matter. 


This account had a lot more overdrafts than both of the other 2 accounts. 
Can a CFPB representative get back to me please. 


Q1. Can you help me get restitution for my checking account? 

Please let me know the answer to this question. 
Thank you in advance for your help. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not approve my credit pulled from the companies below I didn't authorize and I need them deleted immediately XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/202XXXX XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification on my XXXX Credit Report on XX/XX/2018 that one of my creditors had decreased my limit on my XXXX XXXX credit card. I was not notified of this before the action took place. I had missed a payment by 8 days and paid it immediately when I found out that I had missed said payment. My payment was due on XX/XX/XXXX and was paid on XX/XX/XXXX. This is the first payment, in the 4 years that I have possessed this line of credit, that has been late. My available credit went from {$7400.00} down to {$3000.00} without any type of notification that my payment was missed or that they would be decreasing my credit limit. This was immediately put onto my credit report and shows now that my credit usage on this account is 97 % and dropped my credit score by 14 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I utilized the Fair Credit Reporting Act ( FCRA ) Section 609 letter template, as stipulated by the law, to initiate a formal inquiry with Equifax, one of the major credit bureaus, concerning inaccuracies on my credit report pertaining to three XXXX accounts. On XX/XX/XXXX, Equifax sent a letter, via mail, both acknowledging the receipt of my FCRA-compliant letter and delivering the results. 

The results revealed that Equifax had consulted with XXXX to include the current date and identified the balances on all three accounts as being PAST DUE. These accounts are incorrectly labeled as " past due. '' We have been making on-time monthly payments of approximately {$2500.00} to XXXX since XX/XX/XXXX. Importantly, these accounts are current and up-to-date as outlined in the legally binding settlement and confirmed via adherence to the agreed-upon payment schedule. 

I argue this settlement is a mutual legal agreement between all parties involved, and in this case, XXXX had revised the loan amounts, which we had accepted. Since XX/XX/XXXX, we have been making monthly payments in accordance with this settlement agreement. As per the FCRA, credit reports should accurately reflect one 's credit history and current status, and Equifax 's reporting of the current status of these accounts is incorrect, as it fails to acknowledge my on-time, recurring payments. Surprisingly, Equifax chose to accept XXXX 's position without further inquiry or investigation. This practice contributes to numerous instances of misrepresented and inaccurate credit reports, and I firmly believe that credit bureaus should be held accountable for failing to exercise sound and fair judgment. This flawed system disproportionately affects lower and middle-class individuals, resulting in higher interest rates and loan denials. Furthermore, it often impacts employment prospects as employers frequently check candidates ' credit histories, thereby infringing on our right to economic liberty. 

Attached, you will find the following documents : 1. The FRCA letter sent to Equifax on XX/XX/XXXX XXXX. The final dispute result from Equifax, received via mail on XX/XX/XXXX - Part XXXX XXXX. The final dispute result from Equifax, received via mail on XX/XX/XXXX - Part XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Credit Report As of : XXXX XXXX XXXX This account reflects, opened {$110.00} balance no past due balance status not shown no payment history. This account is a violation of 15 USC 1681 for failure to provide complete and accurate information as well as improper use of my credit report I have no knowledge of this account, nor this creditor I have asked for validation of the original contract from the creditor, and nothing was provided. Transunion has had 30 days to complete a proper investigation, and I failed to believe that a proper investigation was completed with the information that is still showing on my report. I am demanding the deletion of the account immediately For you have had 30 days to complete an investigation. I am also considering legal action for damages up to {$1000.00} for this account as my FCRA rights and laws were violated. 
This account was updated by Transunion XX/XX/XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly 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 necessary proof of investigation.
Product: Debt collection

Capital one filed a lawsuit against me, information about the court date are listed as posted by the sheriff. I had not lived at that address for 3 years, was in another state when my wages were garnished and I discovered I had lost suit to capital one. I should have been properly notified, and I now live in a state where wage garnishments for credit card debt is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Acct # XXXX XXXX XXXX  XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX XXXX XXXX XXXX Acct # 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: Debt collection

this Debt from XXXX origionally from XXXX XXXX is not mine. i am unaware of this debt i have never lived at this place. this debt is not mine XXXX XXXX {$6200.00} below i have attached an identity fraud report
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. 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 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 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 card or prepaid card

Wells Fargo has charged me over {$150.00} on overdraft fees when the cause the overdraft by reversing a credit that they have given me : Ref : XX/XX/19 for  {$120.00}. After giving me the credit, Wells Fargo again snatched back out of my account without warning - no heads-up no let just took my money and gave it to their merchant who was one of their banking clients. Just today, Wells Fargo charged me an overdraft fee of {$35.00} for a purchase I am unaware of : Posted Transactions XX/XX/19 OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$27.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX {$35.00}. 

This is blatantly unfair that wells fargo do not have balanced their books properly or fail to do so ... .telling me that I have X number of dollars available and then sock me with an overdraft fee. The last four numbers of my non-profit business account Account number XXXX. Wells Fargo has unlawfully paid wrongly merchant approximately {$2000.00} over the last 2 years from my account. Please do your job and stop this thief bank from stealing money from me.
Product: Debt collection

called my stepmom asked for me. My dad and I have same name. she told the collector her husband does not have an account they continued to give her last XXXX of my social and my current address she said that may be my step daughter and then they told her I owed over a XXXX dollar debt
Product: Student loan

I am part of the Class Action legal suit, XXXX XXXX XXXX. This suit was meant to settle the Borrowers Defense claims for many students taken advantage of by predatory lenders. My Borrowers Defense Application : XXXX was approved and I am part of the " Automatic '' approval group for the class action lawsuit. Per the suit my loans are to be forgiven, removed from credit reporting and a refund for the amounts that I had paid was to be sent to me. 

As of today 's date my loans were forgiven and my credit report is mostly clear of my student loans. However, I have not received my refund payment. I have filed a case with the Dept of Education ( Case : XXXX ) regarding my lack of refund. I have contacted the loan servicer, Sloan Servicing ( formerly Nelnet ) and I have contacted the FSA Borrowers Defense help line. The servicer and the FSA help line continue to tell me I need to speak with the other side to get my refund, but neither can provide me any information on my refund at all. 

As per the suit and relevant court transcripts, the Department of Education is claiming that 98-100 % of the automatic group has received " full relief ''. I have not received full relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are not removing a XXXX XXXX account that was put on credit in error. XXXX has removed this in a timely manner but XXXX   and Equifax are still reporting this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the removal of two judgments and four bankruptcies ( below ) on my XXXX and other reports due to Civil Case No. XXXX, XXXX XXXX , Et Al., v. XXXX XXXX XXXX XXXX . I did not know the source of their information on those judgments and bankruptcies and due to this XXXX has violated the FCRA. Please remove these judgments and bankruptcies. They sent letter with XXXX XXXX verifying and I contacted them on XXXX and stated it was not. Judgment XXXX AND XXXX Bankruptcies XXXX XXXX XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Not sure how many times and how many ways one can say that his identity has been compromised and used to fraudulently open up accounts and hospital Bill 's inwhich that is the case here, Therefore I'm demanding that the following accounts be removed and blocked from my credit file immediately. 

1 ) XXXX  XXXX  {$1400.00} 2 ) XXXX XXXX {$1300.00} 3 )  XXXX XXXX XXXX  {$14000.00} 4 ) XXXX XXXX {$4100.00} I'm requesting physical documentation inwhich supports the major credit bureaus for reporting these accounts. Exactly what Method of Verification was used when reporting these fraudulent accounts to my credit file. Please remove immediately.
Product: Mortgage

Chase 's poor service and actions have led to credit score being below XXXX. Chase long drawn out process affected getting loan refinancing and loan modification causing great hardship. Chase also had me pay off and close XXXX XXXX to apply for loan refinancing which also negatively affected my credit. I had a cosigner that is a XXXX XXXX and had more income {$75000.00} than I owed on my loan. Chase never can be reached calls go to voicemail!!
Product: Money transfer, virtual currency, or money service

I have been dealing with them for over 3 months now And they dont want to reactivate my account Or give me a way to solve the issue and use the account
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. 
Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

XXXX XXXX XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian credit reporting agency , remove the following information account : XXXX XXXXXXXX balance {$5600.00}, XXXX XXXXXXXX account : XXXX balance {$4000.00}, XXXX XXXX XXXX XXXX account XXXX XXXX balance XXXX XXXX XXXX account : XXXX balance {$2600.00}, XXXX XXXX XXXX XXXX account XXXX XXXX balance {$20000.00}, XXXX XXXX XXXX  XXXX XXXX account XXXX XXXX balance {$16000.00}, XXXX XXXX  account XXXX XXXX balance {$14000.00}, XXXX XXXX account XXXX XXXX balance {$10000.00}, XXXX XXXX XXXX XXXX account XXXX XXXX balance {$26000.00}. This is a result of identity theft and fraud, please remove all listed accounts within 4 business days of receiving this complaint. This activity has resulted in several fraudulent accounts appearing on my consumer XXXX credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 
I do not recognize the aforementioned accounts, collections, or negative accounts listed above. The aforementioned accounts, inquiries, collections, appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I have tried getting ORDD Law to send me an itemized bill for the XXXX $ medical bill they have sent me 2 or 3 letters per month about several times. They have failed to do so and give me the run around every time I call. I need the itemized bill because the date they have on the letters changes and between XXXX and XXXX I was taken off my mother 's health insurance, didn't have any insurance through work for a period, then finally got insurance recently with my job with the state. It's my understanding that a medical facility gets a write off for these kind of outstanding bills after 180 days. Then it goes to collections, and if collections can not or will not provide an itemized bill with my signatures, date, proof I agreed to and recieved said treatments, they have no legal right to collect. This needs to stop now. It is riding on the edge of harassment. I wouldn't mind the letters if when I called they didn't give me a run around or act like I'm incompetent every time.
Product: Mortgage

On around XX/XX/2023, I contacted Rocket Mortgage with the interest of applying for a mortgage and specifically the NJ first time buyers Down Payment Assistance program. This program, I later found out, involves the loan being carried by the state and only underwritten by a banker. Rocket is not an approved lender for this program. 

I spoke with XXXX XXXX and asked him to research this program for me. He looked into it for several hours and then lied to me, making up some story about how the program has run out of funding for the year and that I should still apply with Rocket because they could try to find other ways to help and maybe the program would be started next fiscal year. 

It was only weeks later, once they had hard pulled our credit, that XXXX finally told me the reason Rocket doesnt partake in the program, after I had done more research on my own and caught his lie. 

He was totally ok lying directly to me and costing me {$15000.00} in down payment assistance to try to make commission. He knew the program wasnt going to be funded in a year, and was just hoping we would close before then. 

Not only that, but Rocket mortgage leadership continues to brush over and cover up the fact that their mortgage banker is lying to consumers and hindering the path to home ownership. They keep saying it was a miscommunication or that he didnt understand the request. I clearly asked about the NJ DPA program. There is only one. They take no ownership of the problem and have offered nothing to compensate for days of my time wasted.