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

I have been trying to get these incorrect addresses belong to me removed from my credit report. I have sent letters every month to XXXX, XXXX, and Experian and I have not received any mail back from them and no movement. 

Please remove these wrong addresses proof of my residential address is attached : XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Experian XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, 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 the accounts are late 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 XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, 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 creditorXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already attempted to contact XXXX XXXX, XXXX and Equifax about this account. 

1. Date opened is inaccurate. 

2. XXXX did not disclose their methods on how they investigated this item on my credit report. Info is inaccurate. 

3. XXXX  did not disclose their methods on how they investigated this item on my credit report. Info is inaccurate. 

4. XXXX XXXX is " Re-Aging '' this account on my credit report every month. Im attaching a copy of my last XXXX credit reports to show the FCRA violation that XXXX and Equifax is allowing XXXX XXXX to commit.
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 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 XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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, credit repair services, or other personal consumer reports

I filed 2 previous complaints and the information provided by Experian in response attempted to obfuscate the issue. I also just learned that Experian has retaliated against me for filing complaints against them and lowered my credit score again. They first lowered my credit score in XX/XX/XXXX in response to my requesting a Security Alert and a Security Freeze from XXXX and Experian. Experian has not addressed the question - at Experian, can an individual 's FICO score be negatively impacted if an individual requests a Security Alert or Security Freeze from a credit bureau? 
The question the CFPB should be investigating is why is Experian lowering individual FICO scores when the individual requests a Security Alert and/or a Security Freeze in response to the XXXX breech. XXXX responded that they are not responsible for the FICO score and that their algorithms are so complex that they do n't know how a person 's credit score is calculated. After filing my complaints, they further lowered my credit score in retaliation. I have only 2 credit cards. I pay off my 2 credit cards each month ( if I have used them ) and never have a balance carry over. I have no debts other than a mortgage and have never been late for a bill, mortgage or loan - never. And Experian lowered my credit rating twice - it appears now that it is a retaliatory action. It is ridiculous to respond that it is the lender that determines the FICO score. I get my credit score through my credit card. I have learned thru an elected official 's office that they have received the same complaint from other constituents.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Mortgage

My mortgage company has a forebearance program but how is one suppose to pay back a lump sum of 3 - 6 month of mortgage if one can not pay currently. I think Mr. Cooper is avaricous and very greedy - if people have owned for over 15 years or more why can't they forgive even a minimum of 3 months - I am not alone I know this for sure but a break would be beneficial for consumers. The finance institutions are not doing this and taking advantage of their position and consumers. Why do we have to have a late payment to qualify when we've been paying on time for the last 15 years or more. They are not complying with the government/President 's request to truly assist their customers. Thank you for listening
Product: Credit card

My Nordstrom card did n't process my payment. 
I got a payment return notice, the bank said there was not a transaction on the date given to me by Nordstrom.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX and XX/XX/XXXX, the following companies reported late payments on my credit reports XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX This company reported late payments on my account from XXXX - XX/XX/XXXX on my credit reports DISCOVER BANK - XXXX Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Section F states Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.

( II ) Covered period The term covered period means the period beginning on XXXX XXXX XXXX and ending on the later of ( aa ) 120 days after XXXX XXXX XXXX  ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XXXX XXXX XXXX  under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.

( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off. 

Therefore, these late payments should be removed from my credit report
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX -- IDENTITY THEFT 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted an identity theft block request under FCRA 605B regarding XXXX XXXX XXXX XXXX 'S unauthorized credit reporting. The credit bureau violated 605B by failing to block this information within the required XXXX business days. I have filed an identity theft report with the FTC documenting this unauthorized use of my identity. 

XXXX XXXX XXXX XXXX created obligations and credit reporting without my permission or authorization. I never had any business relationship with them. Their continued reporting violates my rights under FCRA 605B. I request immediate investigation and removal of this unauthorized reporting.
Product: Checking or savings account

On XX/XX/2023, at XXXX XXXX MST XXXX sent my wife XXXX XXXX XXXX an email stating her account was in blocked status and that she needed to upload her ID to be verified. She uploaded her ID and the XXXX system said it was verified and that her account was then unblocked. On XX/XX/2023 at XXXX XXXX MST she received another email from XXXX stating her account was then blocked and permanently closed. She called XXXX on XX/XX/XXXX shortly after receiving the email and the representative said that it was because Ally bank told them that the {$400.00} transfer that I initiated on XX/XX/XXXX from Ally was unauthorized. I called Ally and they stated that was not true that the issue was on XXXX end that XXXX would not verify information to Ally for the business attachment to proceed. Ally suspended every single transfer and bank account I had with them and linked to them. After a phone call they unsuspended everything but the XXXX transfer. I was told by Ally that the transfer will be sent back to XXXX. I asked them how that can happen if XXXX closed the account. They said I had to call XXXX. XXXX called XXXX to see about getting the account unblocked. They then said it was blocked due to unusual activity but wouldnt explain further what that meant. They said that the money would still go through to Ally because the XXXX was closed that it would not be sent back to XXXX. There is no reason XXXX should have closed the account. There was no unusual activity. Taking money out of an account is not usual activity. The transfer was completely authorized by XXXX and myself via our Ally account. We can prove we own the XXXX account and the Ally account. We want the XXXX account unlocked. We want the {$400.00} transfer to go into our Ally account.
Product: Credit card

I placed a call to Macy 's on XXXX XXXX in an attempt to make a payment. The associate told me that Macy 's was undergoing maintenance at the time. I tried to leave my information with the associate to input once the system was running again. This request was declined. I stated a concern about a late fee, due to Macy 's inability to process a payment. I was assured that this would not be an issue, as it well known that the system is undergoing an overhaul. 

I received a bill in the mail with a {$27.00} late fee included. I called to make my regular payment and dispute the late fee. When I spoke to associate XXXX XXXX, he refused to discuss the matter until I paid the misapplied late fee. I asked him multiple times to speak to a supervisor, and he denied my request each time. 

I called back and got through to Supervisor XXXX XXXX. She insisted that the conversation that I had on XXXX XXXX was with an automated message, not an associate. I told her that I indeed spoke with an associate, and I relayed the information that the associate provided. 

I have already set up autopay, and I have no issue making all of my payments. However, the late fee is a direct result of Macy 's being unable to process the payment XXXX XXXX, 2015. My credit rating is very high because I honor my payments. This {$27.00} late fee should have never been applied, and I am requesting that it be removed immediately. 

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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregard a consumer 's appeal for the deletion of the disputed accounts on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed accounts saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Equifax run me copies of documents bearing my signature to prove the status of the disputed accounts. If they are unsuccessful to comply with the condition and continue the reporting of the disputed accounts, please realize I will pursue legal action. I need the accounts DELETED XXXX : XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX  Balance $ XXXX Late Dates XXXX, XXXX XXXX XXXX XXXXXXXX Date opened XXXX XXXX, XXXX  Balance $ XXXX Late Dates XXXX
Product: Credit card

On XX/XX/XXXX a check was sent to Citibank for my Home Depot card to pay the entire balance. In XX/XX/XXXX they cashed the check. I called in the XXXX and they said they would investigate and apply the funds. I gave them the date they cashed it, the check number, the amount of the check and the source. The check had my account number and name on it. They said it would be resolved in 48 hours. I waited several days for it to be applied and it hasnt. I called back and the next person told me it would take a week. The week passed I called again and the next person told me 40 to 90 days. In the mean time I am having to make payments and it impacts my credit score.
Product: Debt collection

Account was opened fraudulently, complaint submitted to CPFB, account was removed, original removed from credit, letter sent to credit bureau and to myself. New collection agency is trying to collect on debt that was opened fraudulently.
Product: Credit card or prepaid card

My Chase Sapphire Preferred card had 2 promotional offers for XXXX XXXX that I had tried to take advantage of. One was for 15 % cash back and another for 5 % cash back. I had tried to claim these offers through Chase 's IOS app both times and had problems several times. After the purchase I noticed that they still were not marked as claimed. So I tried to claim it again and it finally worked. Chase then said they would not honor the offer because the offer was claimed after the purchase. I have been through 8+ hours of calls and have talked to 20+ people. Every person has something different they tell me. I have been told twice now that it was taken care of and would be in my account in a few days. Both of those times when I call back they can not find record of me ever calling.
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 : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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, credit repair services, or other personal consumer reports

Both Equifax and XXXX are reporting a bankruptcy account. I have disputed this record several times ; however, it keeps coming back verified. I want to know THE METHOD OF VERIFICATION. XXXX and Equifax are in clear violation of reporting inaccurate information on my consumer file that is LAW 15 U.S. CODE 1681e ( b ) Compliance procedures & 15 U.S. CODE1681 ( a ) ( 4 ) CONGRESSIONAL FINDINGS AND STATEMENT OF PURPOSE. This bankruptcy account is in clear violation of 15 U.S code 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS I never gave XXXX or Equifax anything in writing that would have given them permission to report this record. Saying I did such a thing when it is false is against the law identity theft and 18 U.S. Code 1028A AGGRAVATED IDENTITY THEFT which is felony two years in prison. I would like a full new copy of my credit report reflecting the deletions sent to me via usps mail.
Product: Debt collection

I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 

I am disputing this debt because I do not owe it. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ). 

Thank you for your attention to this matter. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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: Debt collection

An account was opened fraudulently in my name in the year 2020. I filed a dispute with the debt collectors, been trying to get in contact with them, but they keep hanging up on me. They are refusing to correspond with me on the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I submitted disputes regarding my Transunion credit report through their online system. The disputes each had a decision emailed to me within a few moments of submission. It was not possible to read my comments and do any type of decision within seconds of submission. 
These instant decisions are very unfair. Transunion promises they will investigate. My comments were disregarded on the dispute. 
Transunion is misrepresenting a fair investigation if they provide instant results and closure within moments of submission.
Product: Credit reporting or other personal consumer reports

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 the account is accurate, without providing any evidence of a thorougn 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. These are the accounts I mark as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX