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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>5 Equifax XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Equifax , I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised my credit report contains information that does not pertain to me. I had sent a formal written request to all 3 major credit bureaus on or about XX/XX/2020. I was seeking the deletion or modification of erroneous and inaccurate information contained in my credit file and reported by the credit bureaus as per the Fair Credit Reporting Act 15 U.S.C. 1681 et seq. I had requested a response in a timely manner, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), and no later than 15 days thereafter, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( c ). Unfortunately it has been months and I have not received a formal written response back from XXXX, TransUnion or XXXX  about my disputes. However, I know that all three bureaus received my request because I tracked my letters using certified mail.
Product: Checking or savings account

On XXXX XXXX I noticed that a charge from XXXX XXXX was charged to my account in the amount of {$110.00}. I contacted the Bank Wells Fargo and told them that this charge was not authorized by me to my account and to stop the transaction as it was still pending and had not gone through yet, I was told by the customer service repersentative that I had to change my debit card number and a new card would be sent to me and it would be turned over to fraud department, this has been a huge inconvience to me. As of today XX/XX/2023 I have been charged for this transaction and my account went into a negative. My claim number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The cfpb flagged a complaint as a duplicate. It was clearly not a duplicate. One complaint was fraud the other was a blance dispute. They waited over ten day to flag it as a duplicate. Thier customer service said they think it was flagged as a duplicate because the resolution was the same. Why are they looking in the resolution field to see if it's a duplicate, there are only a few possible resolutions, so obviously different disputes can have the same resolution. The customer service agent told me the only resolution was for me to submit a new complaint, and to put at the top that this is not a duplicate. That's great except I'm not wanting to start over from square one. I was expecting a response with in the next couple of days. I don't want to restart from scratch giving the finance company additional to resolve my issue. The least they could do is reopen the complaint without me having to submit a new one, as well as keep the original time table discussed for a response. Please see attached email for the complaint number.
Product: Money transfer, virtual currency, or money service

I am writing formally expressing my concerns regarding Zelles handling disputes, particularly in light of recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution Zelle failed to investigate my claims adequately. They informed me that receiving lost funds was impossible and that tracking these funds was unfeasible. The CFPB findings indicate Zelle has not only neglected to protect customers but has allowed repeat offenders exploited the system, leaving users vulnerable to scams. This lack of accountability transparency is unacceptable and serious concerns about customer safety.
Product: Debt collection

I received a debt collection letter from Transworld Systems for {$370.00} for an apartment application fee. I did not apply for an apartment in that building or at that time. I told Transworld that this was identity theft and they sent me a packet of information, by mail, to complete a report about the identity theft. The packet also included the original apartment application that someone submitted on my behalf without my permission. The apartment application includes the last four digits of my social security number, my state driver 's license and my prior address ( which was my current address at the time of the application date ). It also provides a reference of a " friend, '' a name I do not recognize and a person I do not know. The paperwork in the packet asks for my social security information.
Product: Credit reporting or other personal consumer reports

IVE DISPUTE THE ACCOUNT # XXXX XXXX, AUTO LOAN. THAT WAS OPEN IN XXXX 2017. THE CAR WAS REPO BECAUSE THEY FAIL TO FIX THE OIL LEAK. SINCE THE CAR HAS BEEN REPO, THE CAR DEALERSHIP HAS SOLD THE CAR AGAIN, TWICE. XXXX REQUESTING THAT IT BE REMOVED, THE CREDIT BUREAU HAS NOT RESPOND, OR DONE INVESTATION. XXXX SEEKING REMOVAL OF THIS FROM MY REPORT. IT IS HINDERING ME FROM GETTING A CAR. ALSO XXXX REQUESTING MY DOWN PAYMENT BACK IN THE AMOUNT OF {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account number XXXX XXXX XXXX XXXX, Account number XXXX XXXX, Account number XXXX XXXX, Account number XXXX XXXX, Account number XXXX XXXX XXXX XXXX XXXX, Account number XXXXXXXX XXXX XXXX, Account number XXXX XXXX/DEPT OF ED, Account number XXXX XXXX/DEPT OF ED, Account number 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 an account without my written instructions
Product: Debt collection

I contacted XXXX  regarding a collection bill of {$470.00} appearing on my credit report. The report had no information only it was from a medical bill. unknown hospital, type of service ect.. I tried reaching out to what was listed on my report as Medical Bill and used the number XXXX provided. The answering machine identified the company as being C.I. B. I left messages but to no avail. 

This is a false collection charge being placed on my report and the reporting company is not responding to voice messages.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX  XXXX XXXX LA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1600.00} ; XXXX XXXX  XXXX Balance : {$520.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 

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

I closed this account on XXXX XXXX as this bank gave my Daughter a card on my account in XXXX but in XXXX they refused to add my wife to the account the whole bill owed is my daughters debt none of it is mine XXXX XXXX I made a payment to catch account up of XXXX this paid it up thru XX/XX/XXXX these is were the fun begins see on XX/XX/XXXX my credit report should balance of XXXX then I get a statement dated XX/XX/XXXX showing previous balance XXXX and new balance XXXX then on my credit report dated XX/XX/XXXX it shows XXXX balance then when I called the bank it says balance XXXX payment due XXXX the statement claims payment due is XXXX funny thing is I paid the payment on XX/XX/XXXX due XX/XX/XXXX of XXXX they never process the payment tell XX/XX/XXXX, they also report that last week on my daughter credit report balance was XXXX then this week it shows XXXX yet they claim they don't report this info on my daughters report this came from their executive office until this bank can explain all these why payments were made not processed why the five different balances for XX/XX/XXXX I will not pay any more payments to this bill as a disabled Veteran they are trying to make pay money I do not owe them as I stated this bill is 100 % my Daughters who they gave a card to this bank and the people that work their are full of XXXX last person I spoke to on XX/XX/XXXX she keep saying let 's keep this professional when I ask question my daughter and my wife were both listening this is what they do refuse to answer questions when asked about all the above. and please note Balances went up XXXX XX/XX/XXXX thru XXXX XX/XX/XXXX XXXX then from XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX up XXXX then from XXXX XX/XX/XXXX thru XX/XX/XXXX it went up XXXX why the big difference then on XXXX XX/XX/XXXX I made the XXXX payment which yes my daughter now owes us but from XXXX XXXXThru XXXX XX/XX/XXXX it went down XXXX from XXXX to XXXX so this bill went up XXXX in XX/XX/XXXX when account is closed and payment was made even with everything how did this account go up XXXX after payment was made from XXXX to XXXX they refuse to explain this issue that's why I'm claiming their trying to rep me off of fees and money I do not owe even though the whole bill owed is not mine right now I'm paying the bill for my daughter and like I say I'm not paying another penny to this bank period!!!!!
Product: Credit card or prepaid card

XX/XX/18 I have been traveling via RV from state to state ( TX-MD, DE and then back South to Fla. ) I have used my Capital 1 CC in the past with never a problem. Yesterday XX/XX/18 while getting fuel for the RV ... the purchase was " declined ''. I had just purchased a sandwich using my CC but the gas had to be purchased at another register. When I did so, it was declined! Not only was I ashamed but I was furious! I have been a loyal Capital One customer for several years and did not deserve this blatant act of disrespect! It is documented on their website that Credit cards are covered during travels because of the chip. I responded to their text to verify my use but apparently that was not effective. I called 4 times trying to get my card unlocked but the customer reps. kept transferring me to others that couldn't help me either so they would in turn, transfer me again. I am disgusted with Cap One 's customer service which is " POOR '' to say the least! I '' WILL NO LONGER '' be using my Capital One card for future transactions but they should already know that since they put a restricted purchase use on my card.
Product: Debt collection

I have a collection for a hospital bill from 2013. I have been trying to rectify the bill as I have recently found my original explanation of benefits that shows a different amount of what is owed. The date is also incorrect as they are trying to get an additional year of collection. Also another company is trying to collect on the same debt. 

It was removed from my credit previously for those same inaccuracies however the debt was resold and they are trying to falsely collect.
Product: Debt collection

I am filing a complaint against Experian for failure to verify and unlawful reporting of an unauthorized collection account in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

I previously disputed the account with Experian regarding PORTFOLIO XXXXXXXX XXXX XXXX XXXXXXXX. However, they failed to provide the legally required method of verification ( XXXX. ) and did not disclose how this account was verified. This is a direct violation of the FCRA. 

Furthermore : XXXX and XXXX have already deleted this account, yet Experian continues to report it, which creates an inconsistency and a violation of 15 U.S.C. 1681e ( b ) ( duty to maintain accuracy ). 
Experian is furnishing my credit information without a permissible purpose in violation of 15 U.S.C. 1681b, as this account is unverifiable and unauthorized. 
Experians failure to conduct a reasonable investigation violates 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
I have repeatedly requested Experian to provide proper verification or delete the account. They failed to comply, which is a willful violation of the FCRA.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Account with Equifax Dear CFPB, I am filing this formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the following account : Account Details Account Name : XXXX  Account Number : XXXX Despite multiple requests for correction, including dispute letters sent on XX/XX/XXXX and XX/XX/XXXX, my requests have been ignored, and the erroneous information remains unchanged on my credit report. This lack of action violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Summary of Errors and Discrepancies : Late payments are incorrectly reported for the following periods : Equifax : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
The discrepancies include inconsistent dates of activity, reporting, and late payment histories. 
The account has been verified multiple times, yet the inaccuracies persist without correction. 
FCRA Violations : Under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files. In my case, this responsibility has not been upheld. 
Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report. 
Written confirmation of the corrections made. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. Please address this matter with the urgency it requires and ensure compliance with federal laws to protect consumer rights. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The below listed below accounts are on my credit report but do not belong to me. 


XXXX. XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

In XX/XX/2020 I called to get a deferment and was giving the run. I was told that I received one several years ago and was not allowed another one basically giving me the run around. Then the pandemic hiy and I have since called on several occasions and can't get through. I understand the pandemic we are living in however I received a letter XX/XX/XXXX advising that my payments will resume and they have nothing to do with COVID-19. Unfortunately a lot of people are struggling during this time its hard enough trying to keep a roof over my head, food on the table and clothes on our backs. I need a deferment and I can't believe during this time College Foundation is using unfair practicing to either force people to pay or ruin their credit. They love to send stuff to the credit bureau that's another topic all by itself also.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX {$120.00} Reported XXXX Never had a dealing with this company. And it shows as a collection on my equifax credit report.
Product: Mortgage

At the beginning of the pandemic approx. XX/XX/2020mortgage companies offered their customers a break from payments if they were affected by the pandemic negatively. That break was called a forbearance. I was offered a forbearance and took it. I had asked the mortgage company if it was all going to be due at once or if other arrangements could be made. They assured me that other arrangements could be made for repayment other than a lump sum. These other options included modification, or adding the payments to the end of the loan. The total owed after twelve months is around XXXX, They will not offer me any options other than lump sum repayment or sale of property. I feel as though they are going to steel my home. I have been here for 25 years. What an abuse of a system that was supposed to be used to help people keep their homes not loose them. Please look into this. The company is called Specialized Loan Servicing. Phone number is XXXX XXXX XXXX XXXX. I also have a second mortgage on the home with XXXX, and they modified my loan as described with no problem.
Product: Credit card

I have been a loyal Nordstrom customer and card holder ( TD Bank ) for 20 years. Recently, I was notified by mail that my credit card ending in XXXX would not be renewed after the upcoming expiration date. I contacted customer service and they informed me it was due to credit score concerns. I replied that I have been a longtime cardholder and while I admit that I have had financial challenges resulting from pandemic related loss of business I have always caught up on payments and ironically, my account was current and well below the credit limit when they sent me this notice. Unfortunately, I was informed there is no recourse and the decision is final. I saw CFPB Director XXXX XXXX on XXXX XX/XX/year> and he described protecting consumers from de-banking, which I believe Nordstrom card ( TD Bank ) has done unjustly and given the longevity of my account.
Product: Credit card

I filed bankruptcy with my husband in 2014 which was charged off on in XX/XX/XXXX of that year. Chase Bank was one of the credit cards included in the bankruptcy and now they are reporting that they charged this off and I have several missing payments which is hurting my credit very badly. I need this removed off my credit report immediately as I am applying for a car loan and will be moving soon. We included ALL credit cards in our bankruptcy so we should not have any on our credit report. I am attaching my bankruptcy discharge paper- work showing Chase Bank listed as proof.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

I have been disputing with transunion since XXXX. I started to wonder why i never heard from them. I called them the other day XX/XX/XXXX and they told me the reason i have not seen progress with my disputes is because they were thrown away due to the fact the dispute dept thought it came from a 3rd party because I wrote the letter of my dispute too professionally.
Product: Payday loan, title loan, or personal loan

XX/XX/ I applied for a loan with Avant ( also earlier in the year ) and they continue denying my loans stating they can not verify my identity. I am XXXX years old and have had credit forever. I have talked to vast employees, managers and emailed their fraud department with no resolution. They continuously give me the exact same reason, unable to verify identity and refuse to work with me to resolve. This is not a fair practice as I work in the industry of credit at a mortgage company and have for years. We contact borrowers to provide documentation in this case. Not just deny the loan for a bogus reason. I want help in stopping this practice with them.
Product: Payday loan, title loan, or personal loan

I DO NOT recommend this company I have proof of illegal and unauthorized ACH activity. THEY COMPLETELY IGNOR THE TODAYS PAYOFF VS. CURRENT BALANCE AMOUNT!!!! If you pay the loan off early you dont still owe the CURRENT BALANCE! You owe the todays pay off amount, but that is rocket science. On more than one occasion I would go to schedule or make a debit card payment and they would always claim in an email they can not process the transaction at this time, denying my funds. They do not respond to emails, if they do once you ask for management or an account overview they ignor you.They do not care about the customer all they care about is fraudulently taking someones money. I have email threads and proof of scammer like activity. THEY NEED A CUSTOMER SERVICE PHONE NUMBER AND A PAYMENT ADDRESS SO I CAN SEND A MONEY ORDER FOR WHAT I ACTUALLY OWE FIG LOANS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report the following address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my credit report. I have contacted them various times advising them this is not my address. I contacted them today and finally talk to a nice man who said I would need to contact you and explain to you these addresses are not mine so you can contact Experian so they can provide accuracy on my credit report. Please have them remove this off my credit report due to this is not my addresses and is reported in error by Experian.