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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

S 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

Transunion continues to report a bankruptcy on my credit report that has not been verified. I have repeatedly disputed the error with Transunion who continues to report the bankruptcy as accurate even though their source XXXX has not been able to verify a bankruptcy and has such removed the error as of XX/XX/2022. I disputed the error with Transunion on XX/XX/2022 and Transunion emailed me on XX/XX/2022 that the account has been verified as accurate, which is unethical practices because Transunion did not look into this investigation and just auto replied. In accordance with the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ) I am asking for a Fair Credit Report and for the error to be removed immediately as it affects my ability to establish credit worthiness.
Product: Credit reporting or other personal consumer reports

I have been a XXXX XXXX customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to request you be willing to make a " goodwill '' adjustment to your reporting to the XXXX credit agencies XXXX, XXXX, and Transunion. I was going through my credit report today and noticed that your company report me late on XX/XX/XXXX. As you can tell, I have had an exceptional payment history and have not had a single missed payment on any of my XXXX XXXX accounts since this time. Because of my otherwise exceptional payment history over the years, I would like you to please consider removing the negative payments from my credit report. At the time of the late payments, I was out of work due to an unforeseen medical issue, and immediately brought my accounts up to date the following month although I was still out of work for most of the time. I say that not to justify why the payment was late, but rather to show that the late payments are not a good indicator of my actual historical creditworthiness. I hope that XXXX XXXX is willing to work with me on erasing these marks from my credit reports. I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove that late payment from my credit report. I hope you'll approve my request so I can get closer to my financial goal this year. My wife and I are currently in the process of buying our first home, and these late payments are the only detrimental items currently reflected on my credit report. I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. 

XXXX 11 XXXX XXXX XXXX ACCT # XXXX {$610.00} 11 XXXX ACCT # XXXX {$260.00} 11 XXXX XXXX ACCT # XXXX {$1900.00} 12 XXXX XXXX ACCT # XXXX {$2900.00} ALL INQUIRIES EQUIFAX XXXX ACCT # XXXX {$1900.00} XXXX XXXX XXXX XXXX ACCT # XXXX {$1500.00} XXXX, XXXX ACCT # XXXX {$260.00} XXXX XXXXT ( XXXX ) {$1900.00} XXXX XXXX XXXX ( XXXX XXXX ) ACCT # XXXX {$610.00}
Product: Checking or savings account

CHIME BANKING HAS BEEN FREEZING MY FUNDS CONSTANTLY FOR ABSOLUTELY NO REASON AT ALL. I SPOKE WITH MULTIPLE MANAGERS VIA RECORDED PHONE CALLS .FOR HOURS AND WEEKS AND EVERY DAY THEY FREEZE MY ACCOUNT AND SAY THAT ITS ABOVE THERE HEAD.THEY HAVE CONSTANTLY APOLOGIZED AND HAVE NO RESOLUTION AT ALL. I have {$500.00} in my account and my money has been stuck in there for months. IVE VERIFIED ALL MY DOCUMENTS IN EVERY WAY AND MY FUNDS THAT I WORK FOR ARE CONSTAYBEING FROZEN EVEN NOW AS WE SPEAK. Please help me thanks
Product: Checking or savings account

Our mother XXXX XXXX XXXX has a trust account with Chase Bank. For over a year we have been trying to get approval for myself and my wife as my mother appointed me her XXXX. We submitted the updated Trust documents in XXXX of 2021 that were being requested, and after a lengthy amount of time it was approved. Unfortunately, when my wife went, she had the incorrect ID and we were supposed to go back, but we ended up getting XXXX and had to go back at a later time. When we called, we were told that we needed to submit new paperwork, which we thought was odd as it had already been approved. There was an escalation made, but still nothing. We went to various branches and with the last branch in XXXX on XXXX, we spoke with a Banking Representative, who took our information and promised that she would have the Branch Manager who was well versed in the Trust area. The branch manager XXXX XXXX called about a week later, apologizing due to a lot of work, and proceeded to start the process again. So we sent her the documents, it has now been over a week and we have had no response from her either by phone or email. We also sent an email requesting a bank statement as we urgently need it for applying for XXXX and are at risk of getting denied. Our mother is XXXX XXXX XXXX and we are trying to assist her and we feel like we are being shut down. We have submitted the documents to 3 different branches. When the situation was escalated, the representative said that she could see the documents, but that we had to again submit them to the branch!! How does that even make sense? There seems to be a lot of ineptitude, and their reasoning does not add up. We have been very patient in trying to assist our XXXX  mother, but we require immediate attention to this matter. We feel like we are being held XXXX in trying to assist her and no one has any idea what is going on, The appropriate documents have been submitted various times, and need assistance in having the CHASE Trust Department do facilitate this task. we should not feel like we are begging them to do their jobs. Thank you for your assistance in this very urgent matter. 

She is currently at a XXXX XXXX XXXX as she XXXX  and we have to take care of ALL of her affairs. Again, she is at risk of losing her XXXX XXXX XXXX from XXXX due to not having access to online banking to obtain her bank statements as well and we could not obtain them from the bank.
Product: Credit reporting or other personal consumer reports

Credit karma is advertising is you dont get approved for a credit card you get XXXX $ per denied if its a guarantee approval and I was denied for XXXX cards based of there scoring model and was denied twice causing me to add inquiries to my report
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




DEPT OF EDUCATIONXXXX # XXXX DEPT OF EDUCATIONXXXX XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATION/NELN # XXXX DEPT OF EDUCATION/XXXX XXXX XXXXXXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

noticed that a XXXX a recoverable corporate advance has been reoccurring on my statement every month. 
Contacted Bank of America to explain the charges and they sent a letter XX/XX/XXXX stating a XXXX inspection fee was assessed between XXXX XX/XX/XXXX due to past due payment of more than 45 days. so why it on every statement from XX/XX/XXXX to XX/XX/XXXX. 
This is not accurate record keeping, I should have only been assessed a late fee for XX/XX/XXXX, because I paid twice in XXXX to bring account current XX/XX/XXXX, XX/XX/XXXX. XXXX Records show no payment for XX/XX/XXXX but 2 payments were made in XX/XX/XXXX, XX/XX/XXXX, and XXXX Also no payment was made in XX/XX/XXXX, but I paid twice in XXXX, XXXX, XXXX XXXX XXXX XXXX these payment brought my account current for the year I have attached payment history
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my reinvestigation back from XXXX, XXXX and Equifax .They said everything is 100 % Complete and Accurate. I would like to receive the Description Of Reinvestigation Procedure According to FCRA 15 USC 1681i ( 7 ). 

Because the list of account below are NOT ACCURATE. The Open date, date last active, account type, date last payment, past due, Last Reported and Payment History is NOT 100 % accurate. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX NUMBER : XXXX They did not modify or delete the inaccurate Information on my consumer report according to the FCRA 15 USC 1681i ( 5 ) ( A ) ( i ) I attached a copy of my Consumer report maked with all of the INACCURATE 'S as evidence.
Product: Debt collection

The credit bureaus are in violation of the Fair Credit Reporting act 15 U.S.C by placing inaccurate information on my credit report without my authorization. The negative items placed on my credit report in error is with the original creditors American Express and XXXX. I have settled this debt with the creditors however they are still reporting it on my credit which has caused my credit to be affected drastically. Due to these items being placed on my credit report in error has caused me to be denied for other places to live. This has caused a major inconvenience. Please reference my credit report to see negative items reflected. Therefore I am requesting to file a complaint against the credit bureaus to have any/all negative, unverifiable, erroneous items affecting on my credit report and removed from my credit file which is my consumer right per the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be corrected and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I have not seen the forward flow agreement or the securitalization status of said debt.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and financed through SOUTHERN AUTO ( SAFCO ). It has come to my attention that in my case, I was not adequate informed about the true cost of barrowing. The terms of the loan provided were not only unfavorable but also potentially predatory in nature. Specifically, the disclosures were inaccurate, and misleading ; e.g., " ANNUAL PERCENTAGE RATE, FINANCE CHARGE, AMOUNT FINANCED, TOTAL OF PAYMENTS, AND TOTAL SALE PRICE. '' This failure to disclose material terms of the transaction constitutes a violation of my consumer rights. However, during our transaction, I did not receive full disclosure regarding various fees associated with the loan, specifically, GAP CONTRACT, LOAN PROCESSING FEE, DEALERS PREPARATION FEES AND DOCUMENT FEES, that inflated my overall financial obligation without proper justification or explanation.
Product: Debt collection

I filed for a cash advance of {$250.00} from Ace Cash Advance. I dont remember the initial date, but I was employed but due to covid I was placed on a Leave of Absense due to not being able to work remotely. I have been telling ace cash express. The calls will stop then abruptly will start up again as early as XXXX to probably normal closing hours. 

At first I would stay in communication but then I started feeling like I was being interrogated like if they thought I was lying so I quit answering. Well, today XX/XX/21 to communicate I was still unemployed. Im getting foodstamps, I applied for rental assistance, I have no source of income. I went to let the lady know. I applied for a medical emergency. I literally almost lost my brother due to an XXXX. I didnt have time to save the money. I had to do it right then am there. Then she got hostile. And wanted to know how I got the loan if I wasnt working and then her tone just got agressive so I hung up. This is why I dont answer because she. It leads to the aggressive attitude and questions of interrogation
Product: Checking or savings account

So on Tuesday Evening in the date of XX/XX/year> my job deposit XXXX $ on my Robinhood brokerage account I went to XXXX  XXXX and took out XXXX $ then the next day I wake up with Robinhood telling me they restricted my account due to suspicious activities ..I waited all day for an answer nothing happened!! I had to miss work on Wednesday night and also yesterdayall my money get deposited to Robinhood every Tuesday from XXXX XXXX XXXXthe first coming up and Im missing on work days I have to pay my bills I have to pay rent I use Robinhood for XXXX!! Thats my way to work Ill be taking legal action against them because this make no sense how can I have suspicious activity on the same account I get my direct deposit from my job in? I had to call off work for 3 days straight I been contacting them vial emails no answer they had me on a 1hr hold on the phone and they still not trying to resolve my problems they sent me emails that have no significance whatsoever no idea of whats going to happen to my hard working funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. my name is XXXX XXXX XXXX please remove any other name from my credit file. 
I am currently XXXX XXXX please remove XXXX   XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX I never work for these companies. 
XXXX, XXXX All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX The following phone numbers are not mine please remove :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

Mailed a letter to XXXXXXXX XXXX by mail on XX/XX/2022 in regards to two Hard Inquiries listed on Credit Reports. 

There is an unauthorized Hard Inquiry from " XXXX '' listed on XXXX Credit Report dated XX/XX/2022, and XX/XX/2022. Spoke with an XXXX representative to dispute on XX/XX/2022. 

Also, there is an unauthorized Hard Inquiry from " XXXX XXXX XXXX '' listed on Experian Credit Report dated XX/XX/2022. Filed an online dispute on XX/XX/202XXXX XXXX
Product: Debt collection

I have an unverified account from Ad Astra Recovery. I had previously disputed this account. I have never done business with Ad Astra Recovery. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Ad Astra Recovery provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX  XXXX Balance : {$8900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

15 U.S.C. 1681 c-2 a consumer reporting agency shall block reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days. This practically shows that you are in violation of this law because I am a victim of identity theft. 

This account placed on collection by Debt Recovery LLC should not be furnished on my consumer report as they are in violation under, 15 15 U.S.C. 1681 b permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer with whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. Kindly delete this account immediately.
Product: Credit card or prepaid card

We received from Chase Bank a new Debit Card. When I looked at the information they sent it showed a checking number as well. It was oped in my wife 's name, XXXX XXXX. We called Chase Bank to inquire who opened the account and they could not tell us. We talked to their fraud department they closed the account and placed a fraud alert on the account. We then went to our XXXX XXXX, Illinois police department to to file a police report. We then notified XXXX ( we have accounts with them XXXX. Then we called the XXXX to report it to the credit reporting companies. 

Today we received another debit card from XXXX. We called them to inquire on who opened the account. All they did was verify the account had been established. We explained to them that we did not open the account. Again the account was opened in XXXX XXXX name. The bank closed the account since she did not open it. They instructed us to contact the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit reporting account with a company called XXXX that is now called Experian and some how I am not able to cancel the account with them anymore. The only way to cancel is through a call in number that no one attends even after stay on call for more than 15/20 mins. This is a scam and does not seem like the agency has any intent of canceling the accounts once enrolled.And they charge my bank account every month without any issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion suddenly decided to temporarily suspend my access to my credit profile, with no explanation other than they were unable to verify my information. After going through their unlock process numerous times, I discovered that inexplicably my profile information was reverted back to a previous state! This is most untimely since Im looking to purchase a car! TransUnion has been mostly unresponsive and their supposed system for resolving these issues- created by TransUnion- are riddled with long wait times and circular processes i.e. you go round and round in their system trying to resolve this. Theres got to be a better way than these three bureaus that have proven to be consumer unfriendly and have propagated misinformation and/or erroneous data at the expense of consumers. Lets fix this already!