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

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX - {$140.00} XXXX  XXXX - XXXX - {$2100.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit card or prepaid card

This is a XXXX XXXX scam run by CapitalOne. 
They offer a 0 % for 12 month card. I have a credit score of XXXX and no late debts, with only 1 % of my credit in use. 
I applied for the card and was instantly denied. What followed was a lengthy ad for all of their other credit cards, with a promise to send me other options to select. 
The card I select had many benefits I can use - I did not apply for another card but they are trying to force them on me. They will send a letter explaining the denial in 7-10 days. 
It's a XXXX  scam XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I inquired about the $ XXXX monthly fee on account XXXX XXXX XXXX at Regions Bank late last year. I was told that if we have a paycheck direct deposited into the checking account, the fee would be waived. We pointed out that we do indeed have a paycheck direct deposited into that account every month and the branch manager said " he would take care of it ''. I've been charged {$8.00} a month ever since. I bring it up EVERY time I talk to anybody at Regions and they always assure me " they will take care of it ''. They have pulled {$48.00} out of my account in XXXX that should not have been taken out and it appears they will continue to do so indefinitely. This is WRONG!
Product: Money transfer, virtual currency, or money service

All financial reports should be on the company not on my social and record ( XXXX XXXX ) All financial transactions on my record shouldnt be on my record but on the record of XXXX XXXX XXXX XXXX XXXX account XXXX XXXX Texas XXXX
Product: Debt collection

I keep getting phone calls about my collections and they becoming to much the 3 accounts are my original credit XXXX XXXX but the collection RESURGENT LVNV FUNDING/ XXXX XXXX is the one reaching out to me. I already have them removed from my XXXX credit report. The accounts are LVNV FUNDING LLC # XXXX, LVNV FUNDING LLC # XXXX, and LVNV FUNDING LLC # XXXX
Product: Credit reporting or other personal consumer reports

I did not give the company, XXXX XXXX XXXX permission to run my credit and would like for the hard inquiry to be removed immediately.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : XXXX XXXX XXXX : {$870.00} XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX account # 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifax 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. I hereby request that Equifax : 1. Conduct a thorough reinvestigation of the following disputed account XXXX XXXX XXXX XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect Equifax to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. If Equifax fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I opened a loan with this company many years ago. I've written several letters asking for original agreement and also a history of payments. They have refused to send this information to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 accounts on my credit report that i have never opened cor applied for credit with. 

I contacted the companies ( XXXX, XXXX XXXX & XXXX ) directly as well as XXXX  XXXX amd XXXX. 

They have not removed this information from my report. I asked them for the documents and any copies that they have with my signiture and there was no answer. I want thia removed from my report these are fraudulent accounts that were opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been violated and trespassed against pursuant to 15usc 1692d ; Harassed and oppressive use of XXXX of an alleged debt 15usc 1692e ; Using false and misleading representation 15usc 1692f ; unfair practices attempting to collect an alleged debt 15usc 1692c ( e ) ; Communications without prior consent and many other violations including the truth in lending act and executive order XXXX  ; Promoting the rule of law through transparency and fairness in civil administrative enforcement and adjudication. As a federally protected natural consumer, original creditor and principal on all accounts, I feel like this is an attempt to extort and rob me, personally, my family and my household. This is criminal activity at the least and is unacceptable. Each violation has a statutory cost of {$1000.00} and this does not include emotional distress, defamation of character, or any unseen injuries.
Product: Debt collection

It in collections its not my account, they wont tell me what kind of an account .I told them back in 2013 I had identy thief, come to find out its no the original debtors the amount is XXXX
Product: Debt collection

This involves satellite service to a rental property I owned. Original complaint was from " XXXX ''. XXXX tenant moved out and XXXX went after me as I originally co-signed for the service, however, XXXX allowed the renter to increase the service and also let her slide for a period of time, increasing the amount owed. I also never received the bills as the tenant notified them that she was the billing party. XXXX made a lot of money on this account for many years and easily could have written this off as a promotion opportunity as this account never would have existed except for my kindness and this is the way they treated me!. XXXX then sent this bill ( about {$91.00} ) to Diversified Consultants IN. They accepted about 1/2 the amount owed and I figured even though I was not the party they should go after, it was better to pay it then have my credit affected. Diversified said they would accept partial payment as " payment in full '' and would remove any negative credit in return for payment. ( Including paid collection accounts! ). It is insane to think they have seriously damaged my credit rating for a less then {$91.00} dollar bill. ( by the way, the bill increased because of late charges etc. ). I ask that they remove this negative credit blemish and maybe I would consider getting service once more from them.
Product: Credit reporting or other personal consumer reports

XXXX has a XXXX credit on my report I have capital one credit cards as well All without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

Bureau : XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry
Product: Student loan

In XX/XX/XXXX I went to a XXXX school at the school, they told me these were PELL grants they were not to be paid back. I was on county assistance at the time my case worker also had to check this paper work because she wanted to make sure i wasnt receiving extra money besides what the state was giving me monthly ... she also told me they would not have to be paid back by me they were federal pell grants given to low income partcipants. in XX/XX/XXXX I rented an apartment and this student loan was a negative mark on my XXXX print out the apartment managers is the one who told me i needed to call these people and find out what this loan was for ... I didnt know anything except that i didnt believe i owed it but in order to get it off my XXXX I needed to make tHese payments and they would put it in a current status and it would no longer show up so i did, until i kept paying on it and instead of it going down it kept going up .. this whole thing makes no sense mainly because no one can come up with the MASTER PROMISSORY NOTE for the original loan so reallywho do i owe and what do i owe and above all else wheres all the money i ve paid with no proof i even owed this in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like a thorough reinvestigation, i sent my license social card bill a affidavit to Transunionn. They recieved it, i sent it with return reciept priority. I asked them to fix and delete all old adress, alias. My name is XXXX XXXX XX/XX/1976. I live at XXXX XXXX  XXXX XXXX XXXX nc XXXX phone # XXXX XXXX XXXX. No other po box or names shall appear on my credit report. Please Delete several inquiries .i do not remember making o my report with no permissible purpose. XXXX ( 4 ). PLease send proof under the FDCPA to accuracy. Please send originnal application with wet ink signature. To substantiate accuracy. I know what a inquiry is i do not rmember givig permission. Plaease send permisible purpose. There is no address on report to contact furnisher making information inacurate. That is a violation. I should be able to contact them to defend myself. Please respond promptly with facts and law. I already contactacted them to resolve this. They have no signed application on record.
Product: Checking or savings account

Over a year ago I had an open account with Citizens Bank. The account was accidentally overdrawn {$2.00}, and I was charged a huge fee of {$35.00}, which is 1502 % interest. I called the bank to explain that I could n't cover the overdrawn amount ( now {$37.00} ) until the XXXX when my direct deposit was scheduled for, and they indicated that they would continue to charge me fees for not being wealthy enough to cover their ridiculous fees. I explained that this was unacceptable, and that I would be closing my account and taking my money with me if they did n't stop posting fees to my account, as this policy obviously only affects poor people who ca n't cover the initial huge fee and turns into a vicious theft of money. I do n't get to charge the bank 1502 % interest when they borrow money from me, so this is an abusive relationship. 

Citizens Bank continued to charge my account, and I followed through on my word to leave as soon as the XXXX rolled around and my deposit came though. I withdrew and transfered my money ( minus the first {$35.00} fee ) and left the bank. 

I went to work on XXXX XXXX down in Massachusetts, and after working a 16 hour shift, made sure to file paperwork canceling my direct deposit before driving 4 hours home. The next day I began calling payroll and leaving detailed messages ( they never answer the phone ) to ensure my check would be mailed to my address and not sent to a bank. 3 weeks later I still had not received a check and began calling payroll again, to eventually find that my paperwork and phone calls were ignored, and a direct deposit of $ XXXX was sent to Citizen 's Bank. I checked the account and it had been closed ( as it should have been ) before the deposit was made, but payroll claimed the amount was never returned to them. From what I can gather, Citizens Bank has been holding my {$340.00} paycheck without my permission or an open account, for over a year now, and I have n't seen a penny of it.
Product: Credit card

Hello I have received a response from XXXX dispute team Im responding to this portion of the letter. 

Im extremely confused why XX/XX/XXXX was brought up because the card was reported lost on XX/XX/XXXX NOT XX/XX/XXXX. 

Transactions after XX/XX/XXXX of course they are not disputed because I didnt report the card lost then. 
The merchant that I have had history with during that time are valid ( before XX/XX/XXXX ) so I do not understand why XX/XX/XXXX were brought up. The charges that were occurred after XX/XX/XXXX that were valid are XXXX XXXX and XXXX ( those are subscriptions so they are already existing subscriptions before this date - i dont understand how Sofi do not understand this ). Those are not manual charges, they can see this on their end. 

Clearly Sofi is extremely confused and unorganized. Please do some research and not assume. 

This is my likelihood and my family, I know this case like the back of my hand. I have had to deal with you guys for over 6 months of XXXX. 

Manual payments are made because you guys are charging me insane amount of interest and also anything before XX/XX/XXXX are valid so why would I not pay those? Can you please explain that to me. 

If I didnt report my card lost until XX/XX/XXXX, there are interests accrued before this date of course I need to pay them down. But I will NEVER pay for things that I did not authorize. The interests I accrued before fraudulent charges I still need to pay, so Im baffled to your point in bullet point XXXX. Are you serious? If you guys would halt the interest when there is a fraudulent case going on like honest business then you would understand this. 

The charges in question are during XX/XX/XXXX to XX/XX/XXXX. Again, please do not be confused get the dates correctly. This case is not going away until what is right is done right. 

If you need a refresher, here is the initial dispute case attached as well as well as the letter you sent to me. 

If you are a mother of 3 and struggling with current economy you would understand why Im extremely upset. And nobody is going to help me, and I know Sofi knows that and taken advantage of this case. 

Im not giving up on this.
Product: Credit reporting or other personal consumer reports

the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

these inquires does not belong to me XXXX XXXX date : XX/XX/XXXX XXXX date : XX/XX/XXXX XXXX XXXX  date : XX/XX/XXXX. only suppose to be one inquiry XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX. date : XX/XX/XXXX XXXX XXXX XXXX XXXX  ). date : XX/XX/XXXX XXXX  date : XX/XX/XXXX XXXX date : XX/XX/XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX date XXXX
Product: Credit reporting or other personal consumer reports

The account with XXXX  XXXX, number XXXX, contains inaccurate information, as well as a potentially fraudulent account that has been investigated multiple times with the company. We have reached out through multiple channels and have received evidence of a letter employing an investigatory method that lacks professionalism and is deficient in legally recognized investigative procedures. Despite these investigations, the company has failed to provide a resolution system. This issue has been ongoing for several months, with repeated investigations and reinvestigations, yet the company consistently fails to properly address the issue or provide clear information. This situation constitutes a violation of all consumer protection laws and my rights as a consumer. I will compile all documentation from every investigation conducted with the company and other institutions involved, and send it to the company, the CFPB, and other relevant institutions. None of the involved parties have provided a precise or clear resolution. Additionally, this account has been removed from my report several times, only to be re-reported later. This constitutes a serious violation of consumer protection laws. I demand that the account be permanently deleted and that no further violations occur. This ongoing issue is damaging my credit and undermining my ability to receive fair treatment within the banking system. Please take immediate action to delete this account from my report and resolve this matter fully.
Product: Credit reporting or other personal consumer reports

I am writing to a formal complaint regarding the false and misleading information that remains on my credit report. 

-- -- -XXXX -- -- - XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX -- -- -XXXX -- -- - XXXX FIN XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX -- -- -Equifax -- -- - XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX
Product: Mortgage

In 2017, XXXX XXXX sold their portfolio. Rushmore Loan Management Services received this loan. On the first bill, a fee was noted on the payment statement for over {$3300.00}. Since 2017 several attempts have been made to get Rushmore to disclose why this fee is present. This loan was over paid with XXXX and at times sometime doubled payments in XXXX month. No letters or explanation of the fee has been provided until today. Today a supervisor named XXXX stated that a note on the loan states " XXXX entered into an agreement with the government and the fee assessed during audit is listed as deferred interest payment due ''. 
I have found a press release that shows XXXX agreed to pay XXXX XXXX by DOJ in connection to sales of residential mortgage loans. How is this agreement the issue of the consumer/mortgage holder? Why has Rushmore not address this for 5 years? How many other XXXX service sold loans have this same issue? Why has Rushmore not corrected the erroneous fee accordingly?
Product: Student loan

My request for a payment plan, for my private student loans through Navient, that would result in lower monthly payments was denied. There is no literature that is clearly and plainly available to borrowers describing the terms and limits of repayment options, which leaves borrowers confused and with little to no recourse if their request is denied, as mine was.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX  XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, XXXX  XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a text message asking me to approve a transaction at a XXXX on my Bank of America credit card. I wasn't at a XXXX and hadn't made a purchase so I denied it. I was told to look at my account and check if I saw any other strange charges. When I checked my account there had been two charges on my card I didn't recognize in XXXX, NY at an eyewear store totalling in {$4000.00}. I called the bank to file a fraud claim and was told they would look into it, meanwhile they would issue me a credit. I had recently added an authorized user to my account and I was waiting for this card to arrive in the mail, but it never did. I informed the customer service representative that was my feeling of how my card was probably used. She apologized and issued new cards for me and the authorized user. On XX/XX/XXXX I looked at my credit card balance online and noticed that the card once again had the added balance. I called immediately and spoke to a representative named XXXX. He asked if I had received a letter about my claim. I said I hadn't. He said he'd looked into it and it seemed like there had been a mistake on their part and that my claim was denied in error. That he would credit the balance back to my card. On XXXX the balance was still on my card, I called again. The customer service representative informed me that my claim had been denied and that I hadn't been granted to have my balance restored. The investigation was reopened and I was responsible for the balance until any further decision. I asked the representative for documentation of my claim and all the notes that had been taken as well as the documentation of the process of the investigation, and the recording with XXXX where he said my claim had been erroneously denied. She denied being able to provide me with that information but that she would put in a request, but couldn't guarantee I would receive it. She said I should have filed a police report, something none of the previous agents I had spoken with suggested. I've never been to XXXX, NY and I never received the card for the authorized user I requested, only the reissued card the first customer service agent in the fraud dept I spoke with sent. I asked if any security footage at the store the fraudulent charge had taken place at was pulled or if the original card I was issued and never received had been traced. I wasn't given an answer.