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

I have been trying hard for a couple years now to have these frivolous, erroneous, inaccurate, and incorrect accounts investigated and corrected. Equifax keeps disregarding crucial legal regulations 15 USC 1681, 15 USC 1681i ( 5 ) ( B ) ( i ) ( 6 ) ( 7 ), 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681 ( 5 ), 15 USC 1681c ( c ), 15 USC 1692, 15 USC 1692c , and more. With the recent CFPB lawsuit against XXXX for their poor handling of credit report disputes, I believe this is a great time to address my problems. This process has been beyond stressful and detrimental to my livelihood. I am disputing the accuracy of the following items on my credit report, as permitted under the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX  - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL XXXX XXXX XXXX XXXX XXXX XXXX  - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL XXXX XXXX XXXX XXXX XXXX XXXX  - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL XXXX XXXX XXXX XXXX XXXX XXXX XXXX -LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL XXXX XXXX XXXX XXXX XXXX XXXX  - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL XXXX XXXX XXXX XXXX XXXX XXXX  - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS XXXX XXXX XXXX XXXX XXXX XXXX - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL XXXX XXXX XXXX XXXX XXXX XXXX - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL, FALSE Date of Last Activity XXXX XXXX XXXX XXXX XXXX XXXX  - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL, FALSE Date of Last Activity XXXX XXXX XXXX XXXX XXXX XXXX  - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL, FALSE Date of Last Activity XXXX XXXX XXXX XXXX XXXX XXXX  - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL, FALSE Date of Last Activity
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused serve XXXX upon me and I found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) and the understood STANDARDS of acceptable lawful COMPLIANT REPORTING STANDARDS such as the METRO 2 Five Points of Compliance and other potentially applicable standards and or regulatory requisites of reporting I am rendering this officially writ consumer CHECK OF COMPLIANT REPORTING and CHALENGE versus any and all DEFICIENCIES of reporting and or inability to DOCUMENT factual reporting verifiability of validness, truth, accuracy, completeness, timeliness, ownership ( s ) of responsibility, and or certifiability of the mandated compliant PROCESSES of reporting and mandatorily perfect complete certifiable METRO 2 FORMAT compliance of reporting standard ( s ). 
Beyond this, I am practicing my right to challenge questionable information reporting that I have found on my personal credit report, be it due to potentially erroneous and or misleading claims/data, or be it due to UNVERIFIABLE or INVALIDATE and or not CERTIFIABLY COMPLIANT REPORTED claims REGARDLESS of circumstances else wise. REPORTING REQUISITES and standards of appropriate reporting are MANDATES NOT OPTIONS of reporting, even correct true claims NOT reported precisely according to requisites of certifiable compliant reporting PROCESS and or FORMAT ( ie METRO 2 DATA FIELD FORMATTED reporting 's ) are DEFICIENT of report-ability if not ABSOLUTELY documented and provable. 
I do not recognize the information listed below as having ever been demonstrated factual in reality much less certified compliantly reported in the mandatory processes of reporting and with the factually perfect and complete certified mandated format ( METRO 2 ) of reporting standard ( s ). For the preceeding reasons among others, I here now EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY REPORTED be reported and DEMAND any deficiencies be ERADICATED else wise. 
I DEMAND in this lawful request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid or not. OBVIOUSLY at a bare minimum any alleged reporting data furnisher would be necessarily required to at least be able to verify my complete file information EXACTLY AS I HAVE INDICATED ABOVE ANY DEFICIENCIES require IMMEDIATE and COMPLETE ERADICATION of reporting PERMANATELY!
Product: Credit reporting or other personal consumer reports

Someone stole my identity and obtained credit in my name without my knowledge. Please help me remove these accounts off my credit report I attached documents and I will also list some below. 

1.XXXX  XXXX 2.XXXX  XXXX 3.XXXX  XXXX 4.XXXX  5.XXXX  XXXX XXXX 6. XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX mistake, I received a letter from debt collector name The CBE group, for a XXXX XXXX  that I returned on XX/XX/year> I called XXXX and they stated it was a mistake and that they would give me a credit and that I had to called the debt agency and the telephone number giving is not in service. I want this charged off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX Score was XXXX, for no explanations My XXXX score was deducted XXXX points to fico XXXX. 
My credit score is XXXX, it's been XXXX or higher for XXXX mos. 

I'm an XXXX American, female XXXX veteran, I pay all my bills on time. For the past 24 months my credit score has been XXXX or higher. My fico score is deliberately being kept low. 
My CREDIT SCORE is XXXX My XXXX score is XXXX, 7 months in a row Trans Union LLC & XXXX XXXX XXXX ( Fico ) are DISCRIMINATING AGAINST ME & PENALIZED ME.
Product: Mortgage

First of all, I had to disconnect my home phone because it was the only way to stop unwanted soliciting calls from Nationstar Mortgage. Seriously. I HAD TO DISCONNECT MY HOME PHONE BECAUSE OF THEM!!! 
They, Nationstar bought my mortgage from XXXX, of course without my consent, and since I had a home phone number on file, they started calling twice a day every day begging me to refinance the very same loan they just bought the way it is. I had to say I do not want to refinance the loan hundred times. I talked to manager, and to managers manager, and they keep promising the soliciting calls will stop but they did not till I disconnected the line. Thanks God I was smart enough never to give them my office number cause like I sad I had to disconnect the phone to get rid of them. That is the reason I will never call them from my cell or office line not to let them have the numbers. Now, they started making mistakes on my payments and charging " Other '' from my monthly payments. So I went to their web site to send them email and inquire about it but to my disbelief their web site is not working. Of course only if you want to send email, I guess to prevent customer complaints. And it is not working for many days now, since last week. I just ca n't believe this joke of company has a license to do this business in the States. They can not introduce new " Other '' charges to MY MONEY just because they want to. Right?
Product: Credit card or prepaid card

American Express XXXX me about atm withdrawal benefit and features. When I went to use the atm cash withdrawal ... it would not work as communicated to me. I then call CS back and received a different story. Second time trying the process did not work, after multiple times with different customer service against and hitting my frustrations level on the tenth time callin CS I decide to be at the atm at the same time. One the agent found out I was using his instructions while standing at the atm he then told me it wont work. I then ask for his supervisor AMX at that time was unwilling to help me with my issue. I ended up closing the account give how good is the product when they do a bate and switch and you cant use the card. Dont what to pay an annual fee when you cant use the benefit they advertise and try to promote.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX-XXXX  reported a collection account to my Equifax file. I received notification from Equifax and submitted a dispute. Equifax responded saying, " We verified this item belongs to you. '' I have no knowledge of ever receiving services from XXXX XXXX XXXX XXXX XXXX and I have no idea who or where they are. I have never received any bill from them and can not locate them to ask questions about the charge. Collection agency XXXX XXXX  XXXX has never contacted me by any method to attempt to verify or collect. They simply reported it to my Equifax file. XXXX XXXX XXXX does not answer their telephone : I called numerous times over 8 days and got the same recording every time, " XXXX XXXX XXXX is not answering. This mailbox is full and can not accept new messages. To disconnect, press 1. '' XXXX XXXX  XXXX has effectively blocked me from obtaining any information about this charge, and instead damaged my credit by reporting a charge I have no knowledge of and have no way to get more information about.
Product: Debt or credit management

I received a refund check through CFPB made out to XXXX XXXX Unique ID XXXX for the amount of XXXX The check was misplaced/damaged and I need another reissued to collect my refund
Product: Debt collection

Im reaching out due to some confusion regarding my account. I initially contacted XXXX about arranging debt repayment for XX/XX/2024, and was informed that my account had been transferred back to Jefferson Capital. However, Jefferson Capital has since told me that XXXX is handling my account. 

Recently, Ive been receiving several text messages from XXXX and a text from XXXX about my XXXX account, which is causing additional confusion. Im feeling increasingly harassed as I try to resolve this issue, and it seems Im getting the runaround.
Product: Credit card or prepaid card

Hello, Consumer Protection Agency I am having trouble getting these accts closed from my Credit report, I no longer have these Credit Cards and I no longer have any dealings with this lender for these cards : I did use them in the past and I paid them off without any problem and I just want them deleted from my Credit Report, every year I have checked my Credit report and they are still showing on there. I know after 7 years all account accurate or not should be deleted. I called this company ( XXXX XXXX ) and asked them why are they still putting these accts bank on my Credit report and then they told me to contact the Credit report Agency in which I did. Every time I am getting the run around, going back and forth about who should take these old Credit cards off of my Report. These are the Accounts : # XXXX ( 1 ).  XXXX opened XX/XX/XXXX closed XX/XX/XXXX paid off Reported again on my credit report in XX/XX/XXXX and XX/XX/XXXX ( 2 ). Acct- XXXX XXXX XXXX XXXX opened XX/XX/XXXX- closed XX/XX/XXXX( reported again ) ( XX/XX/XXXX- XX/XX/XXXX( 3 ). XXXX  -Acct XXXX opened-XX/XX/XXXX closed Reported XX/XX/XXXX-XX/XX/XXXX ( 4 ). XXXX Acct XXXX-opened XX/XX/XXXX report again XX/XX/XXXX-XX/XX/XXXX 5. XXXX XXXX-opened XX/XX/XXXX closed XX/XX/XXXXreported again on XX/XX/XXXX ( 6 ). XXXX XXXX was opened but I never used the card XX/XX/XXXX reported again in XX/XX/XXXX ( 7 ) XXXX-opened XX/XX/XXXX and the last one XXXX XXXX-opened XX/XX/XXXX Reported in XX/XX/XXXX XXXX XXXX XXXX -opened XX/XX/XXXX -reported again -XX/XX/XXXX The only thing I want is for them to be taken off because they are paid off and I no longer have these cards. I don't want them to keep reporting because they will never get taken off because it pushes the years back each time they report them. 
This is wrong and unfair. Please, help me get these accts deleted from my credit report, this is all I am asking. I paid them very well and I don't understand their logic in reporting them over and over.
Product: Checking or savings account

I opened a checking account with Citibank on XX/XX/year>. I had no issues up till I tried to put a down payment for {$1500.00} on a vehicle with my debit card on XX/XX/year>. On XX/XX/year> Citibank restricted my checking account due to fraudulent activity I was unable to login or access the funds in the account. I was told by Citibanks security department I would receive a letter in the mail containing a reference code i could give them to gain access to my account. The security department team told me it would take 7-14 business days for me to receive the letter. Two weeks go by and I still have not received said letter. I tried calling and informing Citibank I have not received anything in the mail. All they kept saying is I had to wait for the letter that contained the reference code. I finally talked with a supervisor and he gave me another option to verify who I was. I gave them all information they needed and was told they would email it in to the higher ups, that I would hear back the next day. I never received a call or heard from anyone. I called back to Citibank security team and was told my account was in the process of being closed. It is now XX/XX/year> and have never received anything in the mail or never received a reason on why Citibank is closing my checking account. Everyone I have spoken to is very vague and never has a clear answer to why my account is being closed. I was told it takes XXXX days from the day they restricted my account which was XX/XX/year> to officially close my checking account. I have over {$1200.00} in that account that I have no access to and Citibank is withholding my funds. No one in the customer service department or security department seems to care they are keeping my funds from me. I was told they would be mailing an official check with the funds that are in the account at the time of closing and that would take 30-60 days from when the account was deemed officially closed. I have heard of many people going through the same issue with Citibank. This is not okay. Citibank needs to be looked into and they need to be shut down. It is my money they are not letting me have access to, not their money. I highly recommend anyone who is looking to open an account with Citibank to stay away and look elsewhere for their banking needs.
Product: Mortgage

This is the 3rd complaint as this is still not resolved. They hold on to our payments, put them in a hold, collect late fees, extra interests, raise payments, and say we are late. We have never been late. This company needs to be investigated. Still showing we are late and are accusing late fees. We have always, ALWAYS, made our payments early, and because we would not refince on their terms, they screwed up our account and it still has not been fixed. They paid our from our Escrow without reason. Most of that has been fixed but not our payments. Three times with the same complaints!!! They have listed us as being late on our credit to keep us from finding another mortgage company and lower our credit rating. I can't believe Veterans and their families are treated this way. LoanCare should have never been allowed to buy any Veterans ' VA home loans. Also attached proof that they knew about our insurance through XXXX before they screwed up our Escrow.
Product: Student loan

Please be advised that on XX/XX/2024, at XXXX EST there was a 57-minute phone call inquiry placed in regard to my account sudden outstanding balance. During that call, it was said that a check was mailed to me and cashed. I stated that I've never received a check. 

Further details e.g. the tracking number and copy of the check front and back were inquired but not provided to me via call, email, or hard copy mail. Immediately, should the suggestion of a fraud packet should have been brought up by the company and per my recollection was not. 

Due to the lack of information, a subsequent follow-up call was made on XXXX XXXX. 

This situation is ruining my credit and I have not received any information or the fraud packet as of XX/XX/2024.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments Reported by Experian Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by your bureau. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for XXXX, XXXX, and XX/XX/year> are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The Fair Credit Reporting Act ( FCRA ), specifically sections 15 USC 1681i and 15 USC 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Reported Late Payments : XXXX, XXXX, and XX/XX/year> High Balance : {$3100.00} Balance Owed : {$1300.00} Account Status : Open, Current Account Type : Credit Card Evidence of Errors : Auto-Pay Enrollment : I have been enrolled in autopay, ensuring all payments were made on time.

Discrepancy in Reporting : Experian incorrectly reports 30-day, 60-day, and 60-day late payments for XXXX, XXXX, and XX/XX/year>, respectively. 
Documentation Attached : I have included my credit report, government-issued ID, Social Security card , and proof of address to support my identity and request. 
Requested Resolution : I request that Experian conduct a thorough investigation and remove the inaccurate late payments for XXXX, XXXX, and XX/XX/year> from my credit report. I expect written confirmation of the correction within 30 days of this complaint. Failure to resolve this matter may result in further action to protect my rights as a consumer under the FCRA. 
Attachments : Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

To whom it may concern, I am writing to dispute a fraudulent item listed on my credit report. Upon reviewing my credit report to start the process of buying a home with my fianc, I was appalled to learn that an account from Discover Financial Services had been opened in the name of my burgeoning credit history that I did not authorize. I am getting married in XXXX of this year, and I am being penalized for a higher debt-to-income ratio for having this fraudulent item on my credit report. 

This discrepancy is impeding our progress of fulfilling our dreams to buy our first home. 
After reviewing the account, it appears that payments have been made consistently to pay off the balances accrued. However, any payment methods that have been used to pay these balances are not affiliated with my bank account nor institution. In addition, there is a phone number listed on my credit report that does not match my cell phone number with which I conduct business. 

I am requesting that the following item be removed from my credit history to correct the information as the fraudulent charge was not made in good will nor with my authorization and knowledge. The fraudulent item can be found below : Item 1 Account Name DISCOVER FINANCIAL SERVICES Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open/Never late. 
Status Updated XX/XX/XXXX Balance {$2800.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$83.00} Credit Limit {$5500.00} Highest Balance {$2900.00} Terms NA Please investigate this matter and remove the disputed item as soon as possible.
Product: Credit reporting or other personal consumer reports

What Happened : 1. XXXX XXXX  XXXX Reporting Error : In XX/XX/XXXX, I attempted to modify my autopay settings to ensure timely payment, but XXXX mobile app misrepresented the status of my payment as successful. This was incorrect due to insufficient funds, and I was not notified of the failed transaction until weeks later. 
Upon discovering the issue, I immediately made a manual payment on XX/XX/XXXX, covering the missed XXXX payment and bringing my account current. Despite this, XXXX reported my XXXX payment as 30+ days late to the credit bureaus. 
I provided evidence, including app screenshots showing the misleading payment confirmation, communication records, and proof of my immediate corrective actions. XXXX has repeatedly refused to acknowledge the apps technical failures or correct the reporting. 
XXXX Credit Bureaus Failure to Investigate : I submitted disputes to XXXX XXXX TransUnion XXXX and XXXX XXXX However, none of the bureaus conducted thorough investigations, as they simply deferred to XXXX inadequate responses. 
Despite the detailed evidence provided, all three bureaus returned the same unsatisfactory results, with no changes to my credit report. 

Why This is an Issue : This late payment report is inaccurate and has negatively impacted my credit score and financial standing. 
The failure of XXXX to address the issue and the lack of proper investigation by the credit bureaus have compounded the harm caused by this error. 

My Actions : I have submitted disputes to XXXX and all three credit bureaus and provided substantial evidence, including screenshots and communication records, to support my claim. 
XXXX has dismissed my concerns, and the credit bureaus have failed to properly investigate the matter.