23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

BELOW is a recently ( 3 days ago ) added Negative collection on my report ( Experian and XXXX bureaus as of today ). A few weeks prior, I had filed disputes with all 3 major bureaus on different collections, including the one BELOW which is originally from a reported XXXX XXXX debt, under a DIFFERENT NAMED Collection Agency. IT WAS REMOVED UNDER THE DISPUTE PROCESS. However, within days of it being removed, ANOTHER COLLECTION AGENCY is apparently able to get it put back on my credit report with a few variations in amount, etc. The 3 major credit reporting agencies are not checking into these collection companies, it is all my ( and others ) burden. BELOW has already been removed through the dispute process, yet reported again under a different collection company. HAVE IT REMOVED PLEASE AND DO NOT ALLOW OTHER COLLECTION AGENCIES TO PUT SAME COLLECTIONS WHICH HAVE ALREADY BEEN DISPUTED AND REMOVED, ON REPORT UNDER DIFFERENT COLLECTIONS AGENCIES BECAUSE OF SOME VARIATIONS. THE BELOW COLLECTION AGENCY SHOULD BE FINED FOR BUYING AN ALREADY REMOVED AND UNVERIFIABLE ACCOUNT. APPARENTLY, IS EASY FOR THEM TO GET AN ACCOUNT BACK ON MY CREDIT REPORT. CREDIT REPORTING AGENCIES NEED TO BE MORE DILIGENT IN CHECKING THESE OUT. 
XXXX XXXX HAS ACHIEVED THAT : XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Also you can not get incontact with XXXX through website or telephone. I have tried for weeks now. Website not functioning, waiting on phone for hours to no avail. I understand the " coronavirus issues '', but if collection companies can get unverified collections on my report, then the customer needs to be able to dispute and/or get in touch with the reporting bureaus who need to be able to sort through and give customer service. The are not held to any standard in my 60 years of experience with credit and bureaus. The bureaus want to charge you for monitoring services, therefore, they don't seem to care much about having the report accurate. Please make these bureaus do their due diligence in protecting the consumer. IT is impossible otherwise to clean up wrongly reported credit collections because it is forever ongoing, intentionally. Thankyou.
Product: Debt collection

When I paid this debt, I was promised by an agent, that the account would be removed from my credit in full. they have since reported a {$0.00} balance on the account for many months, I was under the impression that after I paid the debt, they would report the {$0.00} balance for 1 month, then remove the account entirely! I have asked the company to investigate this matter many times, and each time they have refused because I paid them! I paid them because they promised to delete the account, I would have had to consider my actions more carefully had they not misrepresented the situation! I know paying an older debt can hurt my credit scores, so I would have taken more time to consider my actions, but since they promised FULL ACCOUNT DELETION, I paid that day, thinking it would benefit me the most! Why are they still reporting?
Product: Credit card or prepaid card

On XX/XX/2022 I attempted to purchase Gasoline with XXXX Bank of America XXXX XXXX XXXX card. The card was denied. I called a Bank of America XXXX XXXX XXXX on the phone. They indicated that Bank of America was not denying the charges and it was on the consumer end that my card was being denied. I purchased gas at XXXX XXXX XXXX XXXX at XXXX gas station on the same night for approximately $ XXXX. On XX/XX/XXXX, I attempted to make a purchase of approximately $ XXXX at a service station. The card was denied. The clerk tried the card XXXX times. This was after Bank of America assured me that they were not denying the charges. I've attempted for XXXX days to get through to the customer service department to clear the issue. I also used the chat feature which is absolutely no help. The customer service is atrocious and abysmal and the wait times are forever to speak with someone.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint.The stuff on my credit report is wrong.
Product: Mortgage

Preferred Contact Method : XXXX Complaint Details Company Name : XXXX Product or Service : Credit Reporting Issue : Incorrect Information on Credit Report Good Day, Sir/madam, I am filing this complaint because XXXX reports inaccurate information on my credit report. The specific inaccuracy is that a debt I fully paid is still being reported as unpaid or late. I have attached a screenshot that provides evidence of the error. Despite contacting XXXX to correct this information, the error remains unresolved, negatively affecting my creditworthiness. Furthermore, those payments were made on time. However, Penney reported them as non-payments because I was overseas for military duties. Pennymac agreed to correct the error with all credit bureaus. There is still a record of it on my XXXX report. 
I have attached the screenshot details : a copy of my credit report showing the inaccurate information highlighted and the payment made to PenneyMac. 
I would also like to let you know that the CFPB recently fined XXXX {$3.00} XXXX for repeated violations of consumer protection laws, including the failure to provide accurate information in consumer credit reports. This ongoing pattern of noncompliance demonstrates a systemic issue with XXXX handling of consumer data. 

Signature : XXXX XXXX XXXX : XX/XX/scrub>XXXX XXXX XXXX
Product: Mortgage

I AM NOT INTERESTED IN MORTGAGE ASSISTANCE. 
if the woman who opted to send me the documents wouldve told me that I was going to be restricted from making payments upon reviewing my options I wouldve never agreed to receive the information. 

I made a promise to pay on XX/XX/15. Upon logging in to make my payment I was restricted. I couldnt make my payment via phone and the weekend came. It is now XXXX morning and I am on the phone with someone who is telling me I can make my payment however I have never accrued a {$90.00} late fee. I am extremely disappointed in XXXX XXXX. This was supposed to help me and instead tied my mortgage up so much that the only way I can remove this status and regain access to online features is to pay two months. I have never been late on my mortgage and in all the verbatim scripts the woman read me that told me about mortgage assistance she didnt mention once that I wouldnt be able to make my payments. All because I asked to pay half on my mortgage on the XXXX and the rest on the XXXX. Ridiculous. I cant wait to tell everyone about XXXX XXXX inability to help customers. Sounds like yall would rather kick people when theyre down. Cancel the app, Im not interested in any Help yall offer if it isnt waiving that {$90.00} late fee that you mislead me into accruing.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX  # XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XXXX/XXXX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number as well as other information was found on the dark web linked too a completely different name.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report I am disappointed because of these information still can be seen in there. I feel like I'm being taken advantage of for being ignored by my disputes. I'd informed you so many times that these items are apparently inaccurate and incorrect.
Product: Credit card or prepaid card

NetSpend has a policy of charging fees for every transaction including other companies errors. I had submitted a XXXX dollar payment to XXXX XXXX and was apparently charged twice and although it was said to be reversed, I was still assessed a fee. The customer service representative was off shore and tried to dispute me even before having the transaction on his screen.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I lost my wallet and my identity was stolen and these cars were obtained fraudulently.I have reached out to these companies and they none compliant so Im reaching out for more assistance in resolving this matter thank you.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Dispute of Experians Failure to Properly Investigate Disputed Information To Whom It May Concern, I am filing a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience. 
I previously disputed the following information on my Experian credit report : Despite submitting evidence to support my dispute, Experian failed to conduct a proper investigation. Specifically : XXXX. XXXX. XXXX. Sham Investigations : Experian failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided. 
Failure to Provide Investigation Results : The response I received from Experian was vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision. 
Potential Improper Reinsertion of Inaccurate Information : I am concerned that Experian may have improperly reinserted information I previously disputed and believed to be corrected.

Experians actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice. 
CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers. 
XXXX. XXXX. XXXX. XXXX. Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings.

Remove Inaccurate or Unverifiable Information : If Experian or the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately.

Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher. 
Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information. 
If Experian can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA. 
I look forward to receiving a response within 30 days, as required under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon being denied a credit card that was supposedly guaranteed, I was sent a letter describing why this happened. Apparently, I need to add a phone number to the fraud alert on my Experian credit report, but I can not get through to speak to a human being on the automated phone number, which is the only one I can find. I can not log into my account because Experian has a record of my existing account, but my old password and username would not pull up any matching records. I reset the password through the automated system, but that will not work either, and it is impossible to get any help at all even after being denied credit due to this issue. When companies like Experian determine whether or not I can get credit for a medical issue, they need to actually answer the phone and give people the help they need to resolve a simple issue like just adding a phone number to the fraud alert.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX account number : XXXX
Product: Debt collection

Debt is not owed, company is contacting me via text and email
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX Balance {$820.00} ; XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$9800.00} ; XXXX XXXX XXXXI Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX.
Product: Debt collection

On XX/XX/XXXX I received a letter form Receivable Recovery Service LLC about paying a medical debt from XXXX. The letter stated that I must contact them within 45 days of this bill or they will report my account to the credit reporting bureau. On XX/XX/XXXX, this was reported to the credit bureau even though I set up a payment agreement online. There was no indication that they would report to credit bureau after the payment plan was set up. Also, the 45 day period that they stated in the letter was not honored. The account is now paid and is showing on my credit report. I would like this removed from my report as I they have attempted to collect this debt after being paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called U.S Dept Of Education on XX/XX/XXXX due to seeing a conflicting report on my Credit from Transunion. I was advised that The 12 Loans were added together to make the total of {$27000.00}. dating back from XXXX to XXXX. These are not individual accounts. This loan is currently under the COVID Forbearance made by the U.S. Government and by The U.S. President. Per XXXX XXXX who is managing my Student loans. My account is in good standings. There was never any late payments on the account.
Product: Mortgage

Owner XXXX XXXX XXXX is maintaing all ownership rights to property address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and her rights to heirship property in XXXX XXXX, XXXX  known as XXXX XXXX XXXX which includes XXXX XXXXXXXX XXXX  and two water lots at the rear of XXXX XXXX XXXX under her insurance policy with XXXX XXXX. Wells Fargo and others do not have the right to deny her the property ( XXXX ). This is final notice and Wells Fargo has failed to provide supporting evidence otherwise.
Product: Credit reporting or other personal consumer reports

I have notified you about fraudulent information on my credit report which is still appearing. You removed some of the fraudulent accounts but not all of them.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on My Credit Report Urgent Correction Request I am writing to formally dispute inaccurate information reported on my credit file regarding the XXXX account ( Account # XXXX ). My credit report incorrectly reflects late payments, which is factually inaccurate and violates the Fair Credit Reporting Act ( FCRA ). ). 
Errors Identified : 1. My payment history incorrectly reports late payments for XXXX, XXXX, and XXXX, despite the fact that all payments have been made on time. 
XXXX. The reported information contradicts records from the creditor, who has confirmed that there have been no late payments. 
Legal Basis for Dispute : 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits the inclusion of obsolete or inaccurate information in credit reports.

15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to maintain maximum possible accuracy when reporting consumer credit information. 
Given these inconsistencies and the attached evidence proving my payments have always been timely, I demand that Equifax immediately correct these errors and update my payment history to reflect all months as " On Time '' where incorrect late payments have been reported.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 XXXX, GA XXXX XX/XX/XXXX  XXXX XXXX Balance : {$6800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Checking or savings account

BB & T closed my account for no reason, the account # is XXXX, and they keep telling me they will send me a check with the final {$980.00} in my account but nobody is telling me when I will get it. In the meantime, I am dealing with an eviction and other issues and when I contact the branch, they tell me, " A letter is being processed and you will get your money soon! '' This has been going on for a month now.
Product: Debt collection

I had an account that was closed on XX/XX/XXXX XXXX which was for a Water Filtration System placed at my residence. The finance company is stating they placed UCC-1 Lien on my property which was never agreed upon, also this is an excessive amount that they have placed on lien.
Product: Debt collection

I received an email on XX/XX/year> regarding service of court documents. I discovered that a civil suit has been filed against me by representatives for Crown Asset Management , LLC. of XXXX, Georgia. The suit states that Crown Asset Management , LLC, a debt buyer, is seeking a judgment in the sum of {$2600.00}, plaintiffs costs, and 9 % interest per annum. The plaintiff failed to perform its due diligence as required by federal and state law. The plaintiff in violation of federal and state laws never made contact or provided any information prior to the filing of this lawsuit. I am.on my own filing a motion to dismiss. I am a XXXX senior citizen and my only current income is XXXX XXXX XXXX. I am having to file a request for a waiver of court fees. My income and assets are exempt from garnishment.
Product: Mortgage

My complaint is against XXXX XXXX. ( XXXX XXXX ) XXXX XXXX XXXX. I Purchased multiple Money Orders Totaling {$1300.00} from the United States Postal Service. ( Copies Attached ) XX/XX/2023 XXXX XXXX  documented payment in a statement to me for only {$1000.00}. A copy of detailed statement attached. A copy of the United States Postal Service 1 day XXXX XXXX and Tracking Number Attached. ( Tracking # XXXX XXXX XXXX XXXX XXXX XXXX ) Insureds
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I provided the credit bureau with my police report listing fraudulent accounts in detail. Upon providing my police report, the credit bureau continues to report fraudulent accounts on my credit profile in error. I am requesting that they process my request to block fraudulent items listed in my police report pursuant to the Fair Credit Reporting Act Section 605B.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report.