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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. These inaccuracies are negatively affecting my credit report. Despite my submissions, Equifax consistently responds in less than 48 hours stating that the account is accurate and not providing me any evidence of a thorough investigation. I have submitted numerous complaints previously. From my understanding, this practice violates the Fair Credit Reporting Act 15 USC-1681i which mandates a reasonable investigation of disputes. Also, if any comments on my Equifax states that the accounts was previously disputed but resolved. Despite this, inaccuracies persist in the reported information, indicating that the data furnisher ( listed below ) did not properly investigate the dispute. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act, 12 USC-5536 ( a ) ( 1 ) ( a ) ( b ) as highlighted in the CFPB 's recent administrative proceeding File N. 2025-CFPB-0002 against them for similar violations.

They have also violated my rights under : 15 USC 1681s-2 : Negligence in ensuring the furnishers of information comply with their obligations.

15 USC 1681i ( 5 ) : Failure to properly reinvestigate disputes and remove inaccurate information.

15 USC 1681c ( c ) : Inclusion of obsolete information in my credit report. 

I request that the CFPB take immediate action to ensure that XXXX complies with the necessary proof of investigation. Thank you. 

Accounts : 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 have submitted challeges of account on my credit report to XXXX, XXXX  and equifax ... .all 3 say that this account is verified as reporting 100 % accurately ... .how is this possible? i have tried to challenge this account with the " original creditor '' ( XXXX XXXX ) each time they are being returned by the XXXX stating that the address for XXXX is unknow ... .I am mailing this to the address that is provided to me on my credit report for this creditor from the 3 credit bureaus..attached is proof ... how are they conducting proper investigations and coming back as verified if the 3 bureaus are providing an inaccurate address for this " creditor '' ... this is a violation delete this account now
Product: Debt collection

contacted Ccs collections about a debt that they have that's on my credit report and they said that they do not have any debt with my name or anything so I asked that if that info could be sent to my email and they refused. So debt they say they have for me but couldn't prove it needs to updated with all credit bureaus.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions was authorized, I was charged fees due to the lagged posting of charges and credits. This issue aligns with the resent CEPB findings against Navy Federal for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Credit card

I have attached a picture of ad which gave me they impression that I could apply for card get approved and use the card that day for 30 % discount. After I applied a pop up came up and let me know it would take 15 or more days to approve card and as you can see the ad only gives a 4 day window to use the card for the discount .I was given a code to get 15 % discount instead and it did not work. My credit score is around XXXX and I usually get approved in minutes not days.
Product: Debt collection

They are calling anyone with my last name leaving messages that they are coming to deliver papers to me and they he will stop buy my place of work again to deliver these papers. At which point, I will need to have XXXX forms of id and a person from our HR department verify who I am in person. 

They also are utilizing intimidation tactics saying that we can stop this legal process by calling their call center back. At which point, you are even threaten more, with being arrested for not paying debts. They also even threatened to tie my debt to my children 's credit reports to prohibit them from being able to perpetuate my lifestyle in the future. 

It 's a complete scam, because as I ask for proof of this payday loan, they hang up the phone immediately after saying you know you go that loan, stop playing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently retrieved my credit report, and it showed the below highlighted credit inquiries that I have no knowledge of ever authorizing. I am writing to dispute the following inquiries lacking certifiable evidence which should be deleted from my credit report unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. S 1681 ET SEQ. Section 604 of Fair Credit Reporting Act and asking for them to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 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

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  reporting that I was making payments to them and then I stop making payments for 10 months showing 30 late payments on three different loans that are duplicates from three other different Loan Servicing Company which are all paid off including the ones held by these people who say that I made 30 payments. The loans were in deferment during this time and there's no way that I wasn't making the payments because they were in deferment. I wasn't making any payments so therefore there couldn't have been any late payments before or after the loans have been paid in full. I've disputed the loans with XXXX and Transunion and they're still showing up on three of the XXXX XXXX XXXX has 10 late payments on each loan totaling 30 late payments which is hurting my chance to rent an apartment and buy a car because of the late payments. I had a loan of XXXX one for XXXX and one for XXXX and they've all been paid off satisfactorily through XXXX. I never made a late payment!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX/TransUnion was XXXX XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXX Date XXXX Balance : {$0.00}
Product: Debt collection

IC Systems is attempting to collect on a debt not owed by me. They did not validate or verify this debt as belonging to me nor were they given permission by me to access my personal information. When I spoke with them they verified my current address in which I did not give them and stated that it was given to them by XXXX XXXX XXXX. This reporting of this alleged account has caused me a great deal of stress and I want it deleted immediately because not only do I not owe it. 
This is a CLEAR VIOLATION of the PRIVACY ACT since no written consent was ever granted. 
15 USC 1681 ( b ) -No consent was given by me to IC Systems so reporting this alleged account violates my right to privacy, no consent was given by me for IC system to access any of my personal information and 15 USC 1692 ( g ) - IC systems failed to properly validate this alleged debt before placing on my credit 15 USC 1692 ( i ) -IC systems has no jurisdiction to collect on this alleged debt 15 USC 1692 ( k ) -IC Systems has a civil liability that equates to {$1000.00} per violation. If not deleted I will seek damages per violation as it relates to civil liability in addition to lawyer fees.
Product: Credit reporting or other personal consumer reports

I recently review my credit report and noticed a reinserted account on my consumer report. 

Consumer Financial Protection Bureau Subject : Complaint Against [ TRANSUNION ] for Violation of FCRA Section 611 ( a ) ( 5 ) ( B ) Dear CFPB, I am writing to file a formal complaint against [ TRANSUNION ] for violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ). 
I previously disputed an account XXXX XXXXXXXX account number XXXX, on my credit report, which was found to be inaccurate, identity theft and subsequently removed. However, this account has been reinserted into my credit report without any notification from [ TRANSUNION ] within the required five business days.

This action is in direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates that consumers must be notified if previously removed information is to be reinserted into their credit report. The lack of notification has caused unnecessary stress and potential harm to my credit standing. 
I have already contacted [ TRANSUNION ] regarding this issue but have not received a satisfactory resolution. Therefore, I am seeking your assistance to ensure that [ TRANSUNION ] complies with FCRA regulations and corrects this issue immediately. 
Attached are copies of all relevant correspondence, including my initial dispute letter, confirmation of the account 's removal, and my recent dispute regarding the unauthorized reinsertion. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXXXXXX XXXX XXXX  DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH I

N VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSIN
ESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Debt collection

I REQUESTED DEBT VALIDATION FROM THE COLLECTION COMPANY AND WHAT I RECEIVED WAS NOT A VALIDATION THAT I INCURRED THE DEBT. I RECEIVED TWO DIFFERENT HOSPITAL LEDGERS. 

ALSO THE COLLECTION COMPANY VIOLATED LAW WHEN AN ADDITIONAL CREDIT ACCOUNT WAS ADDED TO MY CREDIT REPORT AFTER I SUBMITTED REQUEST TO VALIDATE DATE. 

DATE VALDATION REQUEST-XX/XX/20 RESPONSE RECEIVE-XX/XX/20
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and fraudulent information that appears on my Equifax credit report in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o. Additionally, I reference the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against credit reporting agencies for failing to properly investigate consumer disputes. I demand an immediate investigation and deletion of all erroneous information outlined below. Furthermore, I am requesting the method of verification for each disputed item, as required by the FCRA. 
Also known as 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  Personal Statements FRAUD VICTIM. " EXTENDED ALERT ''. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. 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 XXXXXX/XX/XXXX I have never authorized or opened the accounts listed above, nor did I approve the inquiries. Under 15 U.S.C. 1681o, I have the right to seek damages for negligent noncompliance with the FCRA. I demand that Equifax conduct a thorough investigation, remove these fraudulent accounts and inquiries from my credit file, and provide me with an updated credit report reflecting these corrections. Additionally, I request the method of verification used to validate the disputed items, as required by the FCRA.

Failure to comply with this request will result in further legal action, including filing complaints with the Federal Trade Commission ( FTC ) and the CFPB, and pursuing my rights under the FCRA, including seeking damages as provided under 15 U.S.C. 1681o. 
Please respond to this dispute in writing within 30 days of receipt, as required by law. I appreciate your prompt attention to this matter and look forward to your resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Report is showing inaccurate information. I have reached out the the reporting agencies ( XXXX, Transunion XXXX XXXX ) Several times to have this issues resolved. The only response I receive is the dispute has been completed and the account has been verified. 
All 3 reporting agencies are showing different : 1. Account Opened Dates 2. Account Activity Dates 3. Payment Status Dates This account has been re-aged by the credit bureaus and this is a major violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was going to exercise the right to rescind the contract, however, the XXXX major credit bureaus : EXPERIAN, XXXX and XXXX, and any other person, were never given my consent to create XXXX establish XXXX maintain an EXPERIAN, XXXX and XXXX account, profile XXXX XXXX records for the legal person, which is a legal trust of which i am as the beneficiary and not the trustee. therefore, i can not rescind that which has no existence. 

if any such account be created, established XXXX maintained, it makes legal sense to have it set up, by XXXX 's self, on XXXX XXXX XXXX among all of the other legal trusts andor corporations, i.e. all the XXXX, CITIES, COUNTIES, XXXX XXXX, XXXX, and all of the other legal persons of various industries. 

again, i did not consent to contract the legal person, i.e. a trust, i am as a beneficiary and not the trustee, with any of the XXXX major credit bureaus : EXPERIAN, XXXX and XXXX, and any other person to create XXXX establish XXXX maintain an EXPERIAN, XXXX and XXXX account, profile XXXX XXXX records. 

the fraudulently created, established and maintained accounts and accounting records for the legal person, i.e. a trust, i am as a beneficiary and not the trustee, with the credit bureaus need to be nonexistent, stat. : status quo ante. 

who gave the credit bureaus my location information? XXXX XXXX XXXX who gave the credit bureaus direct consent? XXXX XXXX XXXX XXXX XXXX XXXX XXXX and False Statements. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX of rescission. 
https : //XXXX
Product: Vehicle loan or lease

XXXX of America ( Chase Bank ) Auto Loan Account : REFUSAL TO REFUND EXCESS ACH PAYMENT On XX/XX/XXXX the final payment of {$560.00} for this loan was credited for a XXXX balance. Title has been released too. The money was taken from our checking on XX/XX/XXXX. On XX/XX/XXXX, 2 more payments were taken by Chase from our checking each for {$560.00} and only one was reversed that day, so we are still out {$560.00}. I have been trying since XX/XX/XXXX to get someone at Chase.com or the call center to act, resolve and refund. 

The standard answer is someone is reviewing and well get back to you. Its now almost 4 weeks since the error was made and many days since I was promised resolution and refund. Yet nothing from anyone Chase except a bunch of emails saying were sorry and a Chase email said dont write anymore -- we are not going to respond! 

Contacting to the call center is equally pointless. I made several calls : on XX/XX/XXXX XXXX, on XX/XX/XXXX XXXX, and on XXXX XXXX promised refund on XXXX. On XXXX XXXX XXXX XXXX ext XXXX called and she said it is being elevated and I should check Secure Message for updates. On XXXX the date XXXX told me I was getting the refund I called and XXXX said its still open and elevated but no refund. 

On XX/XX/XXXX I again checked with XXXX XXXX and was told again " Payment services is working on it, there were systems errors and they can't refund until resolved. '' Chase suggested it was my banks error but since the transactions originated at Chase.com how is that possible? I have checked with my bank and was told nothing pending from Chase. 

I mailed a written letter to Chase Auto loans with documentation on XX/XX/XXXX and again no one has called, emailed or responded Calls/emails to XXXX of America get pushed back to Chase auto loan. Calls/emails to the local XXXX dealer ( XXXX XXXX ) where it bought it are ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, was " Solicited " by A Letter in the Mail back in XXXX of XXXX  The Letter offered a Personal Loan- ( Consolidation-Loan ) So, I, Called the Phone Number and Spoke to a Consultant by the Name of XXXX from Panamerican Consutants LLC of Califronia XXXX 
He Said that He would not Reccommend a Consolidation Loan but Offered a " Debt-Reconciliation Program '' This Program would Cost me {$320.00} a month for Sixteen ( 16 ) months! So, I set that up thru my XXXX XXXX XXXX XXXX XXXX as an " ACH-Payment " Payable Once a Month on the XXXX of each Month! So, I have Paid 8-Payments so Far- -- > XXXX $ XXXXXXXX XXXX XXXXXXXXTotal Payments! Last Monday I discovered a Disclaimer on the Regular Website of this Company, so, I, called XXXX Back and asked him about the program and what Am I, getting for my monthly payments? I, do not see where I am Getting any Benefits? 
I, told XXXX that I, was under the Impression that when a Debtor sells off my Debt, I thought they would " Negotiate " a Payoff? 
Their " Disclaimer " says " No " So, I, believe that this is a " Scam "? 
And I, would like a Full Refund? ( $ XXXX XXXX XXXX XXXX XXXX!!! 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ct XXXX ( XXXX ) ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX XXXX but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Credit card

Synchrony Financial ( parent company of Care Credit ) ATTN : Customer Complaints XXXX, FL XXXX RE : " Holding '' of Funds | Care Credit Cardholder [ XXXX XXXX ] [ XXXX ] The purpose of this message is to alert you to an unfair, possibly illegal action of a financial institution. 

Situation I made a payment to my Care Credit Account on Friday, XXXX XXXX, 2016 ( by phone from XXXX checking account ) ( Confirmation # XXXX ) in the amount of {$1100.00}. The amount was deducted from checking account Monday, XXXX XXXX, 2016. 

I checked online and called Care Credit on Thursday, XXXX XXXX, 2016 to verify the account balance and available credit. To my surprise the {$1100.00} payment was applied to my " available '' credit. 

When I called Card Credit to ask why the {$1100.00} payment was not credited to my " available credit '' I was told that payments in excess of {$1000.00} are " held '' and not applied to available credit for 14-days. 

I spoke to two different phone agents and asked if this " holding '' policy is stated in the terms of use for the credit care. Both said no it was not. I stated that at no time during the payment-by-phone on XXXX XXXX was I informed that my {$1100.00} payment would not be applied to my available credit for 14-days. If this " policy '' had been stated to me I would have just made two separate smaller payments, each of which would have been immediately applied to my " available '' credit. 

Problem It is dishonest for a financial institution to " hold '' my payment of {$1100.00} for 14-days without proper notification, explanation, or warning. To be clear, for 14-days Care Credit ( Synchrony Financial ) generated interests ( profit ) on my {$1100.00} payment while denying me the benefit of this payment ( adjusting " available '' credit ). Why is Care Credit ( Synchrony Financial ) treating a long time honest customer like a criminal? NOTE : *Credit Limit : {$4500.00} *Current Balance : {$800.00}