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. 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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File NoXXXX ) against them for similar violations. I request that the CFPB take action to ensure that Equifax complies with the federal law and provides consumers with the necessary proof of investigation. 
Accounts below are the ones in question : XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1100.00}
Product: Mortgage

I have mortgage through Loan Depot. I have never missed a payment. For two months, I split the payment trying to save on interest. I was informed that I could not do that without prior permission. On 3 different occasions, I called their customer service to fix the issue. All three times I was told the issue had been resolved, the monies transferred from principle payment back to mortgage payment, however, I keep getting notifications that I am XXXX delinquent, which I can prove I am not, AND I keep getting charged with late fees. 

I filed a complaint with the XXXX XXXX XXXX ( # XXXX ), but Loan Depot isn't doing anything to fix the situation. They said the called me, which not true at all and when I call the escalation number they sent, nobody every answers and nobody calls me back. 

I need someone to help me, I can't affort to throw away {$1300.00} because this company is bad at math.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The Experian Credit Bureau is failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of UNCONFIRMED information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please reinvestigate the whole information especially the account type, date opened, balance, comments, and payment history. This information seems to be misleading. This will need to be updated pronto. 
XXXX SELF-REPORTED XXXX
Product: Checking or savings account

I got my wallet stolen and my chase bank debit card along with my wallet. I didn't notice my wallet was stolen for around XXXX hours. As soon as I did notice I called to report the card and lock it. There were XXXX transactions totaling XXXX. These transactions were not authorized by me. The charges were made on the XXXX of XX/XX/2025. I don't know the time the transactions were made only the amount, which is XXXX, XXXX, XXXX, XXXX and a XXXX. Chase did retrieve the amount of XXXX. Then denied my other XXXX transactions made on the same day. I provided proof of me being at work on XX/XX/XXXX when these transactions were made to my account. Chase simply said that since my debit card was used with my pin number and there were no invalid pin attempts. My claim is denied and there is no further action I can take with Chase bank. 

In quotes is my first claim filed with chase as my wallet was stolen, including my chase debit card. 


XXXX to XX/XX/2025 XXXX unauthorized transactions pending on my chase bank. XXXX pending in the amount of {$XXXX} to my checking account. The second in the amount of {$XXXX} pending in my savings account. I couldnt believe they let the {$XXXX} charge go through as it was from the same merchant, I filed an unauthorized claim for on XX/XX/2025. Why was Chase not monitoring my account after it was hit with fraud /unauthorized transactions? I feel Chase did not take my claims seriously or responsible. 

When I reached to Chase again today XX/XX/2025 for those XXXX unauthorized transactions. The claim XXXX said my claims were denied because of me being a newer customer ( less than XXXX months ). Also that my funds were depleting to quickly after being deposited into my account. I just moved to Oregon. Which is why I opened this account, to be able to get checks and have my direct deposit from my job. I have a baby, which yes I make purchases often. I dont get how me using my money is breaking policy. I worked hard for that money that was taken out of my account without my authorization. Basically stolen and I cant get any help because I am a newer customer with Chase. That is just wrong and very upsetting. I lost funds totaling in {$XXXXXXXX  on XX/XX/2025 and {$XXXX} on XX/XX/2025. This is just financially crippling and very hard to not receive any help from Chase.
Product: Mortgage

Due to us filing previous class action suits request on behalf of ourselves and other consumers like us. Sub Servicer Bayview Loan Servicing purposely targeted us due to our XXXX and filed a foreclosure on our home and dual tracked us while in a current active workout with them. Sub Servicer Bayview Loan Servicing has bullied, harassed and retaliated against us for multiple years and purposefully strung the workout out on a modification agreement with us for a year while we made payments to find out if S.J. 47 would pass or not. Therefore, we are requesting that all of our class action complaints filed with the Consumer Financial Protection Bureau and the Arizona Attorney General be grandfathered. 
S.J. 47 states : " Congress disapproves the rule submitted by the Bureau of Consumer Financial Protection relating to Arbitration Agreements " This joint resolution nullifies a rule submitted by the Consumer Financial Protection Bureau XXXX CFPB XXXX regarding arbitration agreements. 
XXXX The rule regulates the use of arbitration agreements in contracts for specific consumer financial products and services. It prohibits the use of a predispute arbitration agreement to prevent a consumer from filing or participating in certain class action suits. The rule also requires consumer financial product and service providers to furnish the CFPB with particular information regarding arbitrations. ) ''
Product: Credit reporting, credit repair services, 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 U.S.C1681. ** These items below are inaccurate reports, accounts balances inaccurate dates, multiple creditors under different names, some accounts not mine. ** Creditors below have yet to provide proper documentation, they respond stating all reports are accurate. Which they are not at all. Still can't prove accounts do in deed belong to myself, name, dob, Birthday and social. Acct name : XXXX XXXX XXXX  XXXX Acct name : XXXX, acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602A. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. * 15 U.S.C 1681 Section 604A Section 2 states I must consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication; * 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. * 15 U.S.C 1681 Section 602A. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Debt collection

The company calls me multiple times per day while I am at work. Previous mailed attempts were all sent to my old address and recently forwarded. I was just served today. The lawyer on the papers served is rude, mean, undermining and unwilling to be sensible about my financial situation. He lacks empathy and is unwilling to work out a payment arrangement and demands repayment in full immediately otherwise he tells me I will just have my wages garnished or go to court and end up paying more. Company can not provide me with information besides whom the debt is for and the amounts. This is a medical debt I have attempted numerous times to settle with the hospital prior to it being sent to collections, due to them double-billing me and not submitting my claims to insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not been able to provide an Equifax report on me since late year XXXX. Have called and spoke to numerous customer service representatives CSRs at Equifax to resolve their problem. I have sent multiple times via trackable mail copies of my Florida Driver License and Social Security Card along with recent bill showing address same as Driver License. Mailing these items to Equifax seems to not do anything on their end expect prompt their customer service representatives CSRsto tell me that they are not sure why identification verification is needed. The CSRs then proceed to tell me that I don't have a file with Equifax or that my file has been split and they are not able to rectify. At this time I am in the process of obtaining a mortgage and the companies require all three credit bureaus to supply their reports and scores. Equifax has yet to provide a solution to their problem. I have had in the past an Equifax report since at least XXXX.
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, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$420.00}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 a bank of America credit card and I did it setup auto pay option for my credit card almost around 2 years, when I setup up auto pay payment, they got option minimum statement balance pay, and I setup that option, when I setup that option they have not said any amount option, just they say minimum monthly statement balance take from bank account every month, but in month of XX/XX/XXXX, I had a minimum monthly payment was increase, more then usually they take it from my account, but bank of America not take it extra deferent amount from my account, and I don't know what happen that period, I did not check online my credit statement, and I was satisfy my self, I have already minimum monthly payments from my bank for my credit card, what ever monthly statement payment they can take from my bank account, but they not take it, just report to consumer reporting agency to late my payment, when I saw that report, I called bank of America and ask, what the reason they not take it that increase monthly payment from my account, bank of America operator told me, we not cant take that increase per motion amount, which one increase from your statement, and she told me your monthly payment was {$8000.00} month and now around {$120.00} month and we cant take increase amount, I ask her, what the reason you cant take it increase amount from my account, I told her when I setup that credit card autopay setup, they not have a option how much money they have to take, just whatever monthly minimum statement balance, she said we not do it like that, if bank has not a policy like that, should be explain, when setup auto pay setup, but I don't got answer what the reason they not take it amount from my account, just I got late payment report to my credit card
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 XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681i 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information. 

( A ) In generally, after any investigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USU 1681s-2 they are suppose to 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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Commonwealth Financial sys tem has placed  XXXX  negative items on my credit report. I 've reached out to the company several times. When I called with the account number they refused to speak with me unless I give them my social security number and date of birth.   Which will allow them to update the information. I refuse to provide the information.   This account was generated by  XXXX  Hospital. A place I 've never step foot in. They have threatened me by saying they will have me served on my job. Garnish paycheck.  O  ne representative stated I was a liar, and I need to pay the bill.    The date open is  XXXX   2016 r eported as collection  XXXX     2016.
Product: Debt collection

On XX/XX/XXXX, I received a collection notice from this law firm, claiming to be a debt collector and that I owed a certain sum of money. I responded with a conditional acceptance, stating that I would pay the balance in full if they provided me with a contract/purchase agreement authorizing them to collect the alleged debt from me. I also requested proof of their registration with XXXX XXXX XXXX, which authorizes them to conduct business as a collection agency in the state of Florida. 

On XX/XX/XXXX, they responded with an information packet along with a debt validation notice. That packet did not include a contract/purchase agreement authorizing them to collect the alleged debt or proof of their registration with XXXX XXXX XXXX XXXX which authorizes them to conduct business as a collection agency in the XXXX of Florida. It contained a copy of a statement, which is not evidence of authority to collect a debt. 

On XX/XX/XXXX, I gave notice addressing their issues and requested that they cease and desist for their false and deceptive business practices due to the fact that they had not provided me with any evidence that I was legally obligated to pay or that they were legally authorized to collect the alleged debt. 

On XX/XX/XXXX, they ignored my cease-and-desist notice and replied with another attempt to collect the alleged debt. 

At this point, they are harassing me. Their negligent actions have caused me emotional distress, and I need your help to resolve this matter immediately. Thank you.
Product: Debt collection

TrueAccord account number is : XXXX send me an email that I owe a balance to XXXX I cancel by the website on XX/XX/2018 the services they have been contact me or send me a leads to contact potencial customers I have been with them for 2 years and I have never see a benefit for my business, when I cancel the service with them they continue to charge me moth by month 3 in total.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the accounts listed below be blocked and deleted from my credit report, as I am a victim of a data breach. These accounts are fraudulent and unauthorized. As such, I am requesting they be blocked pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX. Creditor Name : XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Creditor Name : DEPTEDXXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$480.00} XXXX. Creditor Name : DEPTEDXXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3700.00} XXXX. Creditor Name : DEPTEDXXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$10000.00} XXXX. Creditor Name : DEPTEDXXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$4300.00} XXXX. Creditor Name : DEPTEDXXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1500.00} XXXX. Creditor Name : EXTRA o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Creditor Name : XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$18000.00} XXXX. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$480.00}
Product: Credit card

I received a call today from XXXX XXXX ( XXXX ) XXXX. He gave me a complaint number XXXX. He stated that I ordered a HSBC credit card and they are suing me because I did not pay the bill. He gave me an address in XXXX XXXX XXXX XXXX XXXX XXXX I have never lived there. I live in XXXX XXXX, MO. I have for 20 years. I never filed for a credit card. That address belonged to my son. My son used to live with me and I think he stole my social security number. My son used to work with me, I got him hired. I am head of security. We have an app called daily pay, and we can borrow from our checks daily if we choose. Last year, the money was borrowed XXXX. I know it was him, because he worked with me and knew about this app daily pay. I did NOT order this credit card. I have not lived in XXXX for 20 years. This was NOT me. I have other things on my credit report that I did not do. I need help please.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX XXXX accessed millions of student loan information via unethical and illegal means. He has had access to my XXXX loans that I currently have, and I have not given him access to be able to see my information. He has put this information on unsecured servers, which does not have the same protections the government has to keep my information safe. I fear that my SSN, parents ' info, my address, and other sensitive information is in the hands of a billionaire that does not know what he is doing. 

Due to this breach of confidentiality, I believe the contract terms I have with XXXX has been violated and are no longer valid. I would like my student loans forgiven for the recklessness the government has had with my personal information. Information, that if fallen into the wrong hands, could negatively impact me for the rest of my life. This is a huge deal, and I don't think this is being taken seriously enough.
Product: Credit reporting or other personal consumer reports

I am sending you a letter regarding the error and mistake that I have found on my credit report. This mistake that you are reporting is affecting my character and reputation as a consumer. Below is account that I am referring to : XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

In late XXXX of 2020, I applied for a Lowes customer card. The application was approved and a confirmation was sent to my personal email. I have yet to use the card. 

In early XXXX, my brother contacted me because he had received two emails from Lowes/Synchrony Bank about the approval of my application. 

The issue is : Why would my brother receive this personal and sensitive information? 
He has a different name, leave in a different address and has a different email address. What if anyone one else got the same information? 

I tried contacting Lowes, and they referred me to Synchrony Bank, I called them on XX/XX/XXXX and they offered to talk to me about their privacy and data sharing policies. 

I tweeted a private message to Synchrony on XX/XX/XXXX, stating that I considered this to be a GLBA violation. They asked for my phone number, which I provided. 

They called me on XXXX and asked me to explain the issue and asked for my brothers email address, which I provided. 

They called me again on XXXX and stated that the email address on the credit card application was my brothers, which was not the case. I have never used my brothers email address, much less for a credit card application. Also, there is no way for them to email me to my personal email address a confirmation of the credit approval and also send two emails to my brother to a different email address if I only provided one email address. 

I only know that my information was shared with my brother because he brought it up to me, but what if the same information was also shared with more people. Or if this is not an isolated issue and something that is happening now.