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

I recently discovered that I have been a victim of identity theft. I was reviewing my credit reports and found several fraudulent accounts and inquiries that do not belong to me. I have no memory of opening these accounts or authorizing these inquiries, and they are negatively impacting my credit score. I was told that XXXX verified them with XXXX, but they have not removed what XXXX already deleted for me. 

Please remove the following accounts : 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 Also, please remove the following hard inquiries : 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 I started disputing these last month but I don't see any improvements. I have attached here my ID, SS card, and a proof of address, together with my FTC report. Please remove the late payment on this too as I was never late in all of my payments with them, but because my accounts were compromised, it affected all my automatic payments too, including this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My home caught fire XX/XX/17 and the insurance company paid for the fire the insurance put the check in my name and the mortgage company name, I am 85 % done with repairs SPS is holding on to the reminder of the funds and I cant get done with my property until they release the reminder of the funds, they are tying to keep the balance. but with out the reminder I cant finish the property repairs. they are even trying to get the inspector to lie and say things that are not true they are stealing my funds, I have filed before and your agency is not helpful, you need to make them show proof of them no releaseing the balance of my funds in the matter. I need for the management of your company to follow through on this matter. because they are stealing my insurance money so I cant finish my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$23000.00} XXXX XXXXXXXX Balance : {$26000.00} XXXX  XXXX Balance : {$23000.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express concerns regarding Zelles handling of disputes. Especially after news of recent CFPB lawsuit, describing issues with the Zelle platform. Despite using Zelle, numerous times and reporting discrepancies, my financial institution, Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking. These transactions was unfeasible. The CFPB findings indicate that had not only neglected to protect consumers, but has also allowed to repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raise a serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I visited A Chase bank for financial advice, and was given advice to closed a secured banking account without and safe briefings causing delinquency. Phone agents and other branches simply gave an apology and no help.

2. I have the suspicion that beaureus have different names. Causing Old or already taken care of accounts in different places, furthering my history and delinquency. 
My legal name XXXX XXXX XXXX And some accept hyphens and Im guessing some ignored it 3.my biggest loans contributing to not receiving help is a business loan ( XXXXXXXX XXXX XXXX  ) who was well aware I wanted a business loan and processed it as a personal one just to get it cleared Some bureaus flame I have no employee background even after trying to submit it Ive spoken to any and all accounts and branches and Im not being helped. 

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

This is my 2nd time or 3rd time fileing a complaint on td auto finance As stated before. Td auto finance is report in accurate information on my experian credit report. I'm requesting td auto to remove account off my experian report asap. I know account is gon na self come off XX/XX/XXXXXXXX as fcra allows 7 years has passed since last payment was made. I want this off asap. 

I went to court to tell Judge that the attorneys for td auto finance didn't serve me. Judge ordered default Judgement to come off my record. I do now owe td auto the amount showed on my credit report. The car was repo years ago. Delete this now td auto. 

I'll see u in court XX/XX/XXXXXXXX for our conference. Also td auto. I'm not collectible as I'm getting on social security. I have blood XXXX. And I'm not working So please do the right thing. Leave me alone and take off account off my credit report
Product: Debt collection

On XX/XX/XXXX, I sent a certified letter to Performant Recovery Inc. disputing the companys assertion ( by letter dated XX/XX/XXXX ) that I owed {$710.00} on an unspecified student loan from the late XXXX, when I was enrolled in XXXX school. I had only two student loans throughout my 18-month tenure in XXXX school,  both of which were paid in full by XXXX. 
I sent a certified letter on XX/XX/XXXX, disputing the debt and demanding that within 30 days, the company send to me the following items : 1. The name and address of the original creditor ( The original creditor was NOT XXXX XXXX XXXX XXXX.. XXXX  was a debt collection agency that bought the debt from the original lending authority, which neither company has ever disclosed. ) 2. The signed loan documents and account number associated with the debt ; 3. A copy of the last billing statement sent by the original creditor ; 4. Documentation from the original creditor noting default, amount owed at the default, and the date and amount of any payment or credit applied after default.

Not only did Performant Recovery never provide me with any of the documentation I requested as proof of default on a 30-year-old student loan, but also the company did not respond within the allotted 30 days. In fact, the company did not respond at all, yet, somehow garnished my federal income tax return this year and took {$600.00} from me that, according to the Fair Debt Collection Practices Act, is not legally due the company. If a consumer sends a written dispute or request for verification within 30 days of receiving the 1692g notice, which I did, then the debt collector must either mail the consumer the requested verification information or cease collection efforts altogether. Verification should include at a minimum the amount owed and the name and address of the original creditor. None of this information was provided to me. The company can not legally garnish a citizens tax return without proof of the debt. This is egregious behavior and in violation of the law. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

in according with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
XXXX  section XXXX States I have the rights to privacy. 
XXXX XXXX XXXX section XXXX A section XXXX : it Also state a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have repeatedly attempted to dispute. A XXXX  XXXX  closed account off my report. I have attempted to send letters through the mail going to XXXX, but were unfortunately returned back to me. XXXXXXXX XXXX has been reporting false information on my account for a couple years. I sorted the problem out with XXXX and they professionally took it off and got The problem solved. On the other hand, experience and XXXX have both sided with the creditor, XXXX XXXX. They have reported multiple information sections, wrong, and misleading, comparing to other credit Reporting agencies. I have mailed them consistent letters about four times stating that they have 30 days To remove all this in accurate information or I will have to report them to this bureau. They have not changed it. In fact, as of right now, the recent change has been that they called the creditor and attempted to get the right information to put on the report. As I explained to them on paper with proof of me mailing it out and the Piece of mail itself, They have 30 days to REMOVE The information not replace the information. It has been taking a huge derogatory mark on my report for a long time. I demand you look into this and highly appreciate it as this is an serious investigation. This is not uncommon throughout the public unfortunately. Below are all documents showing ( XXXX ) XXXX report as of XXXX, XXXX 2025, was closed XX/XX/XXXX while trans unions most recent update it provided me stated ( XXXX ) was a bad debt and changed by grantor which is still labeled wrong somehow. This is improper reporting practices and not professional or trustworthy for a consumer reporting agency to be doing this. If you need any documentation, feel free to email me or call me and I will immediately send that over. Thank you, and God bless, and I look forward to the response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$530.00}, XXXX XXXX Balance : {$21000.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I closed on a house on XX/XX/2021 after much research even asking the lender multiple times questions regarding the appraisal and what was the appraisal offer lower than asking I kept getting he didnt know, the transaction happened, come to find out there were leaks and damages plus inspections done without my knowledge. I am not able to live in my home I just bought due to mold and being allergic to mold, and seems everyone involved in this transaction has dirty hands. Im very afraid theyll get away with this if nothing is done. I lost everything. I moved all my belongings here thinking this was my retirement home. I reached out to Veterans United requesting verbally and in writing a copy of my records on XX/XX/2021 was told that they the lenders had nothing to do with this and she was sorry for my home buying experience that turned out bad. 
I emailed CEO XXXX XXXX at XXXX and XXXX as well as, XXXX and have yet to even receive an acknowledgment. Ive emailed the local Sheriffs office asking for answers in how to go about this cause evidently the local police office states its not their jurisdiction. I have yet to hear anything back yet. Every attorney I emailed, called, etc has not responded, asked for a large retainer without seeing what I have, and the realtors, say theyll call you back but never respond. Im XXXX XXXX XXXX veteran Im tired mentally and emotionally. I did nothing but place my trust in a bunch of professionals that are licensed criminals and the law protects them. This is a {$240000.00} loan, Ive lost over {$30000.00} thus far just dealing with this and paying hotel and food plus other bills, I have XXXX left. And these criminals are free to keep scamming folks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  the following companies have violated your rights : XXXX XXXX XXXX Account # XXXX - {$490.00} & {$690.00} XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX & # XXXX XXXX XXXX Account # XXXX Security Finance Account # XXXX XXXX XXXX XXXXt # XXXX 15 U.S.C.1681 Section 602A - States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 -It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

I am disputing the collection account with M & T BANK account number XXXX dated XX/XX/year>, with a balance of XXXX XXXXXXXXThis account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

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

I am filing a formal complaint against Experian for failing to conduct a reasonable investigation into disputes regarding inaccuracies in my credit report. Despite my repeated submissions, Experian consistently responds within 24 hours, asserting that the disputed accounts are accurate without providing any evidence of a thorough review.

This practice directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation of disputes. Additionally, Experians actions may also be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar misconduct.

I respectfully request that the CFPB take immediate action to ensure Experian complies with federal law and provides consumers with verifiable proof of a proper investigation. Furthermore, I request the deletion of the disputed accounts from my credit report, as Experian has failed to fulfill its legal obligations. 

Below are the accounts I have marked as inaccurate : 1. XXXX XXXX XXXX xxxxxxxxxxxx XXXX {$790.00} 2.XXXX XXXX XXXX XXXX XXXX {$2900.00} 3.XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$13000.00} Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Mortgage

Summary will be provided 1st On XXXX a quicken loans representative came to our home to conduct a final closing in order to refinance my home. This day of the XXXX was the last day of the interest lock deadline. Our Loan terms were a fixed 20 year loan at a great interest rate of 3.25 % for our residential dwelling. My wife and I discovered that the Loan amount was higher than what we agreed upon including what the most current disclosure documented. We immediately contacted Quicken and reported this error and was confident that they will see their error and remedy. Within the rescind period I attempted to resolve these factual discrepancies several times with Quicken. Quicken representative XXXX XXXX informed me on XXXX, which was the last day to timely rescind, that she is unwilling to remedy the errors made. She was not only reluctant to remedy but falsified reasons why Loan amount increased. As a result, I responded by email that this day of the XXXX stating my formal notice to rescind. In addition, that same day, My wife and I then completed the rescind document from Quicken and timely mailed it in that day according to their instructions just to be safe. Despite the timely rescind, unknowingly to my wife and I, QL rep XXXX XXXX authorized pay off of my mortgage for the amount of aprox. {$300000.00}. As a result of this negligent and arrogant act my current bank, where the loan originated from, will not except payment from me and states the loan is paid in full and will not reinstate. Furthermore, if I have to refinance there is no way I can ever get the great 3.25 % rate since the market rates have greatly increased which would potentially cost thousands of dollars more in cost. During this time Quicken Loans supervisor XXXX XXXX both in writing and verbally has acknowledged my timely rescind and has acknowledged their errors of increasing the loan amount without my authorization. She had informed me that my bank will not permit them to release the funds back and it has gone to litigation. To be cooperative, I have requested a loan modification and they have denied me several times. In spite of their errors and negligence they are threatening my wife and I by saying if we do n't make the 1st mortgage payment by XXXX they will report us to the Credit Agencies and adversely impact our good credit. We believe this is certainly unfair credit practices and tactics. Not to mention an ethical violation against my family personally and for them professionally. I will not permit our rights to be violated by allowing QL to bully my family. I am more than willing to resolve this matter reasonably and fairly. PLEASE HELP! 
. I also can provide a factual timeline of specific events including dates of emails, written communications and conversations that fully support the summary allegations. I also have a complete file of documentation of supporting information to what is mentioned in addition to other discrepancies.
Product: Credit card or prepaid card

A credit card was applied for and approved fraudulently. I called Bank of America and they closed the account and want me to send them copy of SSN card and ID card along with form to receive the fraudulent application. As of now, they have not contacted the credit bureau 's to reverse the account.
Product: Credit card or prepaid card

My Chime Credit Builder Card was stolen and used in another state from where I live. There were many unauthorized charges made during the dates of XX/XX/2021 to XX/XX/2021, during these dates I was admitted in the hospital and had no knowledge that my card was being used until I got out of the hospital. I called the company right away on XX/XX/2021 which was about 24 hours after the last unauthorized charge was made. They did an investigation and said that they found no errors occurred. I provided them with the FTC identity theft report I filed, the police report I filed and proof from the hospital that I was admitted ( in Arizona ) during the dates the card was used in Nevada. The police have even made an arrest of the person who used my card and the bank still will not reverse the charges.
Product: Money transfer, virtual currency, or money service

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 address fraud on their platform, leaving m, account vulnerable and unprotected.

+ Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the 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. All monies reported to be returned.
Product: Mortgage

My mortgage was transferred from XXXX Mortgage company to Loan Care in XXXX 2016. I was not given the new loan number from Loan care until after XXXX XXXX, therefore I paid the first payment to them via electronic check from my bank XXXX XXXX XXXX with my old mortagage number. I started getting calls from Loan care that my payment was delinquent. I called the customer service rep at Loancare who told me they will look into it and get back to me. I never heard back from them, only call was from loancare telling me I was delinquent on my payment. Finally, in XXXX I asked for a request to look into it, once again did n't receive any calls/letter about it, called two weeks later and they told me to send them a copy of my bank statement showing the payment was made. I faxed that information and did n't hear from them. Called back another two weeks later and they told me that they never got my bank statement ( I have a fax showing it was sent to the right number and faxed to them ) and that they could n't help me. I went on their website and uploaded a scanned copy of the bank statement and fax confirmation and obtained a ticket number. I called again a week later and they told me they do n't have that information available, and wo n't be able to help me and I can not speak to anyone in the CONSUMER solutions department, who may have that information. I am getting called every day from debt collection about this " late '' payment, which Loancare wo n't look into, wo n't resolve and wo n't help me figure out the issue.
Product: Debt collection

Im a victim of identity theft which has hinder me and my family in multiple ways. I was out of the country and got detained because someone committed a crime went to jail under my name birth day and social. This person have committed so many crimes under my name and I just want it to end. Custome released me after me and the impersonator finger prints didnt match. They have gotten cars, apartments, homes, credit cards and collected a lot of debt in my name.