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

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2022, I submitted a dispute to your company regarding XXXX XXXX XXXX ( Collection ), XXXX XXXX XXXX ( Collection ) XXXXXXXX XXXX XXXXXXXX XXXX ( Collection ), XXXX XXXX XXXXXXXX ( Collection ) and XXXX XXXX ( Collection XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 

However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 

I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 

If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Hi, i am submitting this XXXX XXXX XXXX this isn't under any influence of anyone else and this is not third party. The three major credit bureaus are showing low and inaccurate credit scores and repots for me in their system. I have complained to these credit bureaus for over 60 days. I spoke to representatives from each. XXXX ( XXXX XXXX, Equifax ( XXXX XXXX, XXXX ( XXXX ) from the fraud departments. I asked to speak to Us rept but they refused and/or had me on hold for hours. I do not why they chose to abuse me. They are supposed to be protecting and helping their consumers. Please help me as i am extremely FRUSTRATED.
Product: Credit reporting or other personal consumer reports

Update account for all 3 bureaus with the correct address, cards on file to reflect current score. Any old addresses that does not reflect my address. Any hard inquiries
Product: Mortgage

XXXX continued. Spoke with XXXX XXXX. 
Awaiting XXXX XXXX ... .. after XXXX XXXX XXXX the WF Exec office, and as per my prior conversation XXXX XXXX and WF continue their trickery. I never agreed to the mediation resolution for the XXXX loan. There is no documentation and I never agreed. The sole purpose of the mediation was to discuss the HELOC loan and my request for XXXX, XXXX XXXX The trickery is that WF agreed to discuss a CHECKING ACCOUNT only and agreed to discuss the HELOC loan at a later date, after the mediation WF continues false assumptions to what was discussed in the mediation and is tricking CFPB and other customers in more fraudulent behavior. XXXX XXXX and XXXX XXXX do not tell the truth and are misleading CFPB. Please reach out to alternative POCs at WF. Per WFs request by mail to go through a mediation process on XX/XX/2023, may we please proceed. Please assure that WF does not apply trickery and delay tactics as they practice on a ongoing process. All the issues are real and they need to be held to account. WF has belayed and continues to say that they have reviewed the issues yet has done nothing. WF never looked into the fraudulent activities of XXXX XXXX XXXX. The XXXX XXXX  XXXX has passed, was sued by all the clients and filed for bankruptcy and eventually filled for title... I provided XXXX XXXX 's phone number and all other contact information, The bank is liable for his actions and all the other questionable banking activities. I asked not to close the loan, no other bank would provide banking services to XXXX XXXX and through out the loan WF behaved in an unprofessional matter befitting a bank. WF tricked me into going to mediation and only agreed to discuss the checking account and then turned around and stated that the mediation pertained to all the issues with WF which is untrue. They should be out of the banking business and the mediation lawyer assured me that I can pursue the issues but refused to provide a written statement. Please investigate WF for fraud and lying to customers and gaining financially. They were required by CFPBB to make good on their wrong doing yet they have yet to provide adequate compensation. The WF game continues. The gate keepers, XXXX XXXX and XXXX XXXX are following the WF line and should be in a different position or business. Please provide a more truth telling POC WF as in the past is playing the clock. Please hold them to account so we may truthfully mediate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 


Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX {$530.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It has came to my attention that First Progress Card has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith and ruin my financial livelihood. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation in writing of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. 

Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPA that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. 

First Progress Card is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 

I hereby disaffirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and First Progress Card. This account with First Progress Card is a billing error. Please provide me with documentary evidence of the obligors indebtedness. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. 

Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount undersection 1666 of title 15. First Progress Card, as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.
Product: Mortgage

Old financial institution sold loan new company failed to take payments from account set up to pay mortgage. I didn't realize this for approximately two months. Sent them information on account to take payment somehow they say it was wrong account. They said now that I was three months in the rears sent them three months payments to make it right. They applied my payments to principal and not payments to make my account right. Now they say that I am behind one payment can't seem to make them understand that the money that they have taken out of our account should bring account update.
Product: Debt collection

The company Sequium Asset Solutions LLC has repeatedly been calling my father about a debt I have. I have agreed to a payment plan yet they still continue to call my father and provide information about my debt to him without my authorization. They have known they were not contacting me because my father would inform them they have contacted the wrong person every time they contact him. They have not attempted to contact me on any of my own phone numbers.
Product: Money transfer, virtual currency, or money service

Regarding case # XXXX Hi, on XX/XX/XXXX I have transferred an amount to Coinbase.  After several days this amount still was n't processed. I have contacted them through their customer support. The reply I got was that the name/account did n't correspond with their account details and thus, the money was supposedly returned to my bank account. After a week the money still was n't returned and I started to send messages to follow up this matter. A very late response ( after a week ), they needed my details to investigate the matter. 

Each reply I got from Coinbase it took several days. I almost immediate responded, but then the response kept being longer and longer. The attachment I enclosed is the proof. 

It 's been almost 2 months now and the money still have n't returned. Their last reply was from 2 weeks ago. this casenumber XXXX as stated above is from Coinbase itself. There they find ALL the details of the transaction. I ca n't imagine any professional company that holds onto other people 's money for such a long time.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that XXXX  is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid for services on self and it really misled me and I didnt know it understand what I payed for and they wouldnt let me get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX XXXX account # XXXX has been settled and Paid. This account should be reported as " Closed '' Equifax and XXXX incorrectly continue to report the account as " Open ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report from EQUIFAX, I have noticed that the report shows 3 fraudulent credit inquires that I did not authorize.

1. ) XXXX XXXX 2. ) XXXX XXXX 3. ) XXXX XXXX VISA CC Please investigate and remove these inquiries as quickly as possible.

I have included with this complaint copies of all required documentation.

Identity Theft Report, Letter to Equifax, Drivers License, Social Security Card, Proof of Residence, Equifax Credit Report, and FCRA 605B
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past year, I made at least two requests for my free annual credit reports on XXXX. One attempt was on XX/XX/XXXX, where I got my XXXX and XXXX reports but was told that I had to mail in a request for Equifax. Another attempt was on XX/XX/XXXX, where I was only able to obtain my XXXX  report and was told I had to mail in requests for Equifax and XXXX. 

I'd like to obtain my most recent Equifax and XXXX reports online. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a investigation with XXXX in XX/XX/XXXX. Report number XXXX. Upon my submition i asked for the investigation of two accounts. The first acount was XXXX XXXX # XXXX, i asked the agency to send a letter of validation to me such as payment history and a legal documentation showing that this was my account and I 'm liable for the account. I also stated that by the looks on the report, XXXX, then updated in XXXX, I believe this account is re-aged or not actuate at all. Upon my return report it says account updated but still no proof this is my account. They will not provide me anything. 
Second issue and the second investigation I asked to be looked into was XXXX # XXXX, again asked for validation in XXXX and received same response. Updated account information. If the accounts they claim is validated why ca n't I get proof these are indeed my legal liability to pay and or remove from my report. And if the XXXX XXXX account can be validated as my account they should look into possible the account being re-aged by the dates stated on report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the inaccurate information on the USDOE/XXXX  account with the three major credit bureaus : XXXX, Experian and XXXX. They all said that they verified the information on the account. How could it be verified when all the information that the burueas has from the company are different. The date last active, last reported to name a few. Where are the bureaus getting their information from if all the information from the company is different? I have uploaded the information that compares all three credit bureaus information on the account and highlighted the innaccurate information. It is a violation to report inaccurate information.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : According to my records, the payment was made within the required timeframe. Attached is a copy of my bank statement showing that the payment was successfully processed before the due date. 
Clerical Error by Creditor : There appears to have been a clerical error during the payment process, as I never received any notification of a missed payment. XXXX confirmed that no payment was missed, and I have attached correspondence with them to support this claim.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Credit card

Citibank has asked me to " verify my information '' in order to allow me access to my account online so that I can review my billing statements and pay my credit card bills. As I am enrolled in their paperless billing, I do not have an alternative to review and pay accounts. The information that is being demanded is information that does not exist : I do not have an ATM card, I do not have a Checking Account and I do not have a PIN number with Citibank. When I have called in to inquire about this issue, they asked me to wait on the line while they " deregistered '' my account and instructed me to re-register. When I attempted to do I received warning that my account was already registered and to apply for the replacement of my Password and Username. When I attempted to do so I was first greeted with a warning that my account was already registered and to change my password with a challenge question. When I entered that system to change my password and unlock my account, I was greeted with a warning that my account was NOT registered and then asked to register my account. Following those instructions ( again ) gave the same message that my account has already been registered and that I need to login ... which then promptly asked for the Account/PIN and Debit Card numbers which I do not have. 

In the mean time, interest, late fees, penalties and every other charge imaginable I 'm sure is racking up on my account and what 's more, I 'm certain that they are reporting negatively to the bureaus. I 'm attempting to pay my bills, but their call center and their website is preventing me from doing so! 

Given the history of this bank abandoning Texas and continually practicing negatively effecting business against me and others ( reducing credit limits to balances ( increasing balance ratios ) losing customer information ( leading to fraudulent accounts opened ) etc. I 'm not surprise, but certainly am at risk is decrease financial capability because of either technological incompetence on the part of this institution, or a concerted effort to hamper the financial well-being of customers in Texas 's Low-Income Census Tracts.
Product: Payday loan, title loan, or personal loan

I got an auto loan with Ally Financial Bank, the vehicle in question with the loan is a lemon vehicle. I tried many times addressing that to them. The vehicle finally broke down where I could not afford the repairs. I called about 8 months ago from today XXXX  They still have not repossessed the vehicle and continue to give me problems.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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: Debt collection

I have received no communication whatsoever from this company about a debt that is now on my credit report. I never had any business dealings with this company. After challenging the debt reported on my credit report the company still refuses to take the erroneous listing off my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB Complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Two hard inquires XXXX XXXX Requested On XX/XX/XXXX & XXXX XXXX XX/XX/XXXX, fraudulent address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX fraudulent telephone number XXXX, a Fraudulent bankruptcy USBK COURT DELAWARE XXXX XXXX  XXXX BANKRUPTCY XXXX Date Filed XX/XX/XXXX, a personal credit card account opened at Capital XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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, credit repair services, or other personal consumer reports

I reviewed my credit report and noticed unknown accounts on my credit report. I am needing this rectified immediately. Please refer to attachment for detailed information.
Product: Debt collection

I have repeatedly requested written verification regarding this matter and my requests have been ignored
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX XXXX account ending with # XXXX, has violated my rights : 15 U.S.C 1681 Section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A. Also states thats a consumer agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

Hi! My Paypal account has been permanently limited without any reason and I am unable to get any help from PayPal support. I understand how important it is to review the accounts timely to keep PayPal a safe environment for both buyers and sellers. As I am well aware of the rules and policies by PayPal, I always work in good faith and follow all the policies and user agreements as stated and agreed upon while I signed up for the account. I have not broken any of the user agreements or done anything wrong that led to my PayPal account being permanently limited. I am a website designer and work for my clients for designing the website and accept payment through PayPal. I have not done anything wrong. I would request PayPal to please re-investigate the matter and help me to restore my account. The email associated with my PayPal account is : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, XXXX Account Capital one has violated my rights on XX/XX/2019 for the amount of XXXX dollars. 

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 a 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 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. Capital One did not take this procedure.