23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a letter dated XX/XX/XXXX from Nationstar that were declined HAMP Tier 1 stating Property not owner occupied and HAMP II stating that ineligible mortgage. Standard Modification - Declined reason was ineligible borrower - XXXX or more rental properties or borrower is not natural person. 
Under the Tier II, HAMP is available for a " rental property '' which id defined as property that is used by the borrower for the rental purposes only and not occupied by the borrower. The reason Tier II " ineligible mortgage '' and the following were listed as reason as to why the loan did not meet " your mortgage loan was originated after XXXX. That was wrong. The mortgage for the property loacated at XXXX XXXX XXXX XXXX, XXXX NV XXXX originated on XXXX.
Product: Debt collection

ACTIVATE FINANCIAL IS TRYING TO COLLECT FROM XXXX, A DEBT OVER 11 YEARS AGO WHICH WAS DISCHARGED. 
THEY SHOULD NOT BE ALLOWED TO HARASS ME AS I AM XXXX, WAS ON MEDICAL, MEDICARE, AND HAVE NO INCOME WHATSOEVER. 
THE STATUTE OF LIMITATIONS APPLIES TO DEBT IN THIS CATEGORY In California the statute of limitations period on debts is 4 years ; Debts that have lingered longer than the statutes allow are often referred to as " time-barred debts. '' I WANT THEM TO BE TOLD TO STOP TRYING TO COLLECT.
Product: Credit card or prepaid card

Two years ago I called to close my Capital one Account. XXXX Instead they offered to upgrade the account with the promise I would pay no more yearly fees. I took them at their word. Last year, in XX/XX/XXXX -- fee. I called, and shared this story and they refunded the fee. This year -- fee. I would like to have spoken to someone about this but their automated system would not let me so I chose to close the account. Supposedly they will automatically refund the annual fee, but I suspect I will not get back the late fee on the fee and the minimum interest charge on the fee. But the important part here is that you need to know that Capital one reps will tell you they are getting you into a program with no fees and then ... fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and my identity was stolen. My old co-worker stole my wallet that had my social security card and other personal documents inside. I sent copies of police reports and ftc report to all three major credit bureaus. There are some inaccurate items that are listed on my credit report that are hurting my score that I did not open up the accounts are XXXX XXXX XXXX {$110.00} XXXX XXXX  {$1700.00} XXXX {$1000.00} and about 16 negative inquiries
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Product: Money transfer, virtual currency, or money service

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

In the previous letters I have requested the investigation of the elements that do not coincide and the elimination of them, taking into account the fair credit law, which states that I have the right to be informed of the status of my account and the report of the accounts must be 100 % accurate
Product: Checking or savings account

I stayed at a hotel they returned my incedental fee, the bank requested I got a letter head stating they released the funds. I provided them that and they are fixing me a hard time, the same answers and have stole my money
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

on XX/XX/2020, my XXXX account was hacked and {$4000.00} was stolen from my bank of america checking account. i called bank of america immediately upon knowing to file a claim about my funds being stolen. i immediately deleted my XXXX account and stopped using my BOA account due to the fraud. they informed me recently to tell me that my claim was denied because of lack of evidence. my XXXX account was hacked and im being charged for my own money being stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Credit Reporting Bureau Under the Fair Credit Reporting Act The information contained within my credit report can nto eb accessed without my express written consent. I am seeing hard credit hits from the dollowing comapnys, please be advised that this si a violation of possible federal or privacy laws and I am demanding that you remove this information immediately. 
All of these individuals have already been contacted once and I have contacted your organization on ultiple occasions in reference to the accuracy of the report that I had never asked you to publisha dn I never asked to be a participant in your systems.

I am offering you one final opportunity to remove these items and if this is not done within 15 days a lawsuit will be initiated. 

In addition the specific references to the student loans must immediately be removed as they are under dispute. Your organization is REQUIRED to INVESTIGATE the contents that are reported onto a credit reported, once again it is obvious that this has not happened because you have been delivered ifnromation in reference to the fact that several tens of thousands of dollars of the student loans have been discharged iun bankruptacy. I have been patient and professional and your organization has continually ignored this informationa dn reporte the nature and amount of the student loans. The ifnroamton that is being published is inaccurate even after it was removed at least once. To place ifnromatin back onto a credit eport after it was removed is absolutely an issue. 
You are hearby ordered to remove the enclosed inquires as I have no information nor do I believe these matters to be valid. In addition I am ordering you to immediately and forever remove the mentions of any student loans. 

Sincerely, XXXX XXXX XXXX XXXX Distribution List : XXXX/ XXXX Iquiry Date Removal Date XX/XX/XXXX XX/XX/XXXX Busienss Type : All Banks Non Specific Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX XXXX Inquiry Name : XXXX Inquiary Date XX/XX/XXXX. XXXX RemovalXX/XX/XXXX This is an item that is for XXXX XXXX XXXX XXXX, XXXX. so this should show up on their XXXX and XXXX not on my personal Credit Account. 


XXXX XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX. XXXX XXXX XXXX OR XXXX XXXX XXXX / XXXX XXXX   XX/XX/XXXX XX/XX/XXXX All Banks Non Specific XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX REMOVAL DATE XX/XX/XXXX AUTO RESELLER XXXX XXXX XXXX XXXX   XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX AUTOMOTIVE XXXX XXXX  XXXX XXXX, MI XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX Here 's the problem with my credit bureaus they have completely ignored the fact that the Student Loans thata re reported are discharged by FEDERAL COURT ORDER and there is a FEDERAL INJUNCTION AGAINST COLLECTION on the loans by the CFRB
Product: Debt collection

I continuously get calls from a " XXXX XXXX '' with some collection service called " ACA. '' He calls my work phone number and threatens that something serious will happen if I do n't return his phone call. The number he leaves is XXXX. 

He harasses my human resources department as well. I need these illegal calls to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 8 accounts on my credit report that do not belong to me I have a FTC attached this is a case of identity theft and I need this taken care of asap!!! 

Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Credit card

A XXXX XXXX credit card was opened in my name. I received the 1st month 's bill. I contacted XXXX XXXX and told them I never applied for a credit card, and told them to cancel the card. XXXX XXXX neglected to cancel the card. So whomever had the card maxed it out. Didn't hear anything else about the card until Midland Credit Management contacted me. I explained the situation to them. They stated the would start an investigation. I never heard anything back from them. When I disputed the account through XXXX. When this took place Midland Management sent the account back to the credit bureau with a different amount on the collection.
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, MA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In my attempt to resolve inaccuracies on my credit report, I noticed the following issues : I submitted a dispute to transunion regarding incorrect late payments, accounts that dont belong to me on. I followed up and received a response but the issues were not resolved satisfactorily.I would appreciate your assistance in addressing these inaccuracies and ensuring my credit report is corrected. 

XX/XX/XXXX Checked credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Received an unauthorized debit card in my name and mailed to my current address from Chime. Contacted chime to immediately close my account.
Product: Credit reporting or other personal consumer reports

This creditor has posted a late payment on my credit report and violated my rights in the following ways : Fair Reporting Act 15 USC 1666 ( B ) ( A ) states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637b of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Section 1637b 11a states a written statement in the form : minimum payment warning. Etc THIS CREDITOR REPORTED A LATE PAYMENT WITHOUT SENDING WRITTEN STATEMENTS. 
USC 15 1681 2 ( a ) ( i ) exclusions : Report containing information solely as to transactions or experiences between the consumer and the person making the report. 

A late payment is a consumer transaction showing payment history with a credit card company and should be excluded. 
.
Product: Credit reporting or other personal consumer reports

My credit report has listed an account that does not appear to be mine or contains inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX XXXX XXXX with XXXX XXXX. In XXXX of XXXX, I sold the vehicle during a trade at a dealership and as such the final payment for the entire balance was paid to XXXX XXXX. Unfortunately, XXXX XXXX reported a late payment to the corresponding credit bureaus which has damaged my credit worthiness with inaccurate information. I spoke with a XXXX XXXX customer service representative who indicated that they have no record of a late payment reported to the credit agencies, however this is not the case. I would like to have this adverse information removed from my credit file as it is currently affecting my ability to obtain a mortgage.
Product: Credit reporting or other personal consumer reports

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Product: Credit reporting or other personal consumer reports

I have no knowledge of a debt from XXXX XXXX XXXX XXXX. I've never been involved with this company I have no clue what this debt is. Under FCRA guidelines this account needs to be removed from my credit file. 


Company : XXXX XXXX XXXX XXXXXXXX Remove this collection account from my credit report
Product: Credit reporting or other personal consumer reports

XXXX year and XXXX  months ago XXXX XXXX XXXX XXXX reported that I missed a payment on my credit card due to autopay not pulling the payment for the bill. After speaking with XXXX XXXX XXXX  we came up with a solution which is I would pay the late payment and they would reverse the late payment as a goodwill adjustment. I paid the bill and they kept their word and removed the inaccurate late payment from the credit reports of XXXX and XXXX but XXXX never removed the late payment from my credit report. So as of now my esperian credit report is reporting an inaccurate late payment which is stoping me from buying a home and other things.
Product: Credit card or prepaid card

I purchased a mattress from Macy 's in XXXX, XXXX. The mattress came with a 10 year warranty. The mattress began to fail within 6 months and by late XXXX I was no longer able to sleep on it. Macy 's sent their technician to inspect the mattress and confirmed that the mattress should be replaced. 
I confirmed with their customer service department that I was eligible for a full refund of the {$2000.00} price of the mattress. 
I went back to Macy 's and picked another mattress and confirmed again with the sales person that I could apply the {$2000.00} credit to the mattress and that the credit would be applied when the mattress was returned. The new mattress was delivered in XXXX, XXXX and the old mattress taken back to Macy 's warehouse. 

Macy 's has never applied the credit and are billing me for the balance, charging penalties and reporting my account to the credit rating companies, dropping my XXXX score. 
I have called countless times, written multiple letters and have received no response. They have acknowledged the credit is due to me but have not/will not apply it
Product: Credit card or prepaid card

I had a care credit credit card opened fraudulently in my name without my permission or consent or knowledge with a credit limit of {$1200.00} each month I have been given a bill for this account and continued to pay it to avoid my credit being ruined over some credit card I didnt even open myself I have no knowledge of who opened this account and I do not wish to continue to have to pay for a card that isnt mine
Product: Credit reporting

I am writing because I have become very saddened by XXXX XXXX actions and XXXX. They purchased my account from XXXX. I paid XXXX actions, and they have sent me letters verifying a XXXX balance for XXXX and for them, also I have documentation stating paid in full. They just refuse to remove off my credit reports, and it 's hurting me as I apply for XXXX requiring a XXXX and higher. When I called XXXX, to file a dispute I was told that there was no point of disputing this information. But, as I exclaimed to her and XXXX XXXX, this is no longer a valid debt, and XXXX XXXX had agreed to remove from all my credit reports once final payment was made. Since, I have made payments as agreed, I just want them and XXXX removed from all my credit reports. The XXXX is due to fall of next year, but it 's currently hurting me as I apply for better jobs, and look at buying a home. On Transunion, it does n't state paid,. Can you please help me?
Product: Bank account or service

I filed a complaint with the CFB against Citi Bank regarding a {$300.00} bonus that Citi initially refused to pay, but was later honored. The day they credited my bonus ( XXXX/XXXX/17 ), I initiated a transfer to move the funds to XXXX Bank. The amount of my deposit plus the {$300.00} bonus was {$10000.00}. I transferred the funds. I logged into Citi on XXXX/XXXX/17 and noticed the account was overdrawn by {$34.00} ( the exact amount of the fee ). I later discovered that Citi does not make pending credits available for withdrawal until posted. I do n't agree with this since the amount the amount displayed as available for withdrawal was {$10000.00}. I called Citi, and the credit the {$34.00} fee back. Now the account was at a XXXX so I requested to close it. They complied with my request. On XXXX/XXXX/17 I noticed the funds from XXXX were placed back into the Citi account. The original transfer never went through. I was charged another {$34.00} fee. They refuse to reverse the fee because the account is closed. I am also unable to access my money because the account is closed. They are penalizing me for the same transaction twice. They also tell me it 's likely I 'll receive a check in the mail for the balance of my account. They are very unhelpful.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint : Equifax Credit Report Error and Fraudulent Reporting Date : XX/XX/2025 Consumer 's Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, Texas XXXX Email/Phone : XXXX XXXX Company Involved : Equifax ________________________________________ Nature of Complaint : I am submitting this complaint against Equifax for continuing to provide inaccurate information on my credit report. I previously filed a complaint with the CFPB about Equaix failing to provide accurate and complete information on my credit report over a month ago. However, the situation has worsened, and now Equifax is wrongfully reporting my legitimate credit card accounts as fraudulent, which is not the case. These accounts have never been fraudulent, and I have documentation to support this. 
Equifax s fraudulent reporting has resulted in my credit card companies canceling my accounts. Specifically, my XXXX XXXX and XXXX cards were canceled, and I have had to go through the process of getting them reinstated. However, there is still a risk that other accounts will be affected by this misinformation. 
I am requesting the following actions : 1. Immediate correction of the fraudulent reporting on my Equifax credit report. 
2. A full investigation into why this incorrect information is being reported. 
3. Immediate communication from Equifax to the credit card companies to prevent any further cancellations or issues with my accounts. 
4. Compensation for the hardship caused by Equifax reporting error. 
Supporting Documentation : Screenshots or copies of my credit report showing the fraudulent entries. 
Correspondence with XXXX XXXX and XXXX regarding the account cancellations and reinstatements. 
Any other relevant documents supporting that these accounts are legitimate and not fraudulent. 
I respectfully ask the CFPB to assist in resolving this matter promptly, as Equifax inaccurate reporting is causing significant damage to my credit and financial wellbeing. 
Thank you for your time and assistance. 
Sincerely, XXXX XXXX