23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XX/XX/XXXX XXXX XXXX XXXX  in XXXX, XXXX had a serious hack of their servers. In XX/XX/XXXX there was an email saying student and employee information was found on the dark web. They advised they would be reaching out to those whose information was found on the dark web. They have not reached out to me or other alumni I've seen posting about their fraud issues. I noticed fraudulent charges on my USAA credit card and was able to flag that and receive a new card. It was a temporary hold for a larger amount. The credit card attempt was only declined on my account because the identify thief could not confirmed my address since I recently moved. I continued to replace all cards I've ever used to pay tuition or fees with XXXX XXXX XXXX. When attempting to freeze my accounts with the three credit institutions I was unable to confirm my identify at first with XXXX because apparently someone tried to take a mortgage out with my information in XXXX and I said this was not related to me, thus not letting me verify my identity. I have never tried to take out a mortgage at any time in my life. I still have not received notice that my information is on the dark web but since the mortgage issue and my card has been affected I know my SSN and likely the last 10 years of my information with XXXX XXXX XXXX  is out there. 

Related : My Spouse had fraudulent charges on their card that was listed with the University and we have enrolled in credit freezes and XXXX XXXX.
Product: Debt collection

My credit report reads that XXXX I owe a collection of XXXX from an apartment complex by the name of XXXX XXXX XXXX ( original creditor ), Rent Recovery Solutions ( current creditor ). This is inaccurate information that is being reported on my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I filed I Filed a complaint With consumerFinance.gov complaint # XXXX against XXXX XXXX XXXX which was resolved favorably the resolution was that the account was closed payments were backdated and the credit reports to remove late payments and references. My credit reports were updated immediately. On XX/XX/XXXX my Equifax and XXXX report updated to a back to late payments on accountThis was changed again. I have the resolution letter from XXXX that included the payment history which contradicts this new credit reporting the resolution was also reported on consumer finance file. I was not even delinquent in XX/XX/XXXX as stated on my updated report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the bureaus in regards to this situation several times and they keep violating my consumer rights. this is my last attempt to resolve this issues in this manner. I will be reaching out to the secretary of state next in regards to their abuse of power and their failure to properly investigate inaccurate information. I am requesting that their response include : 1. I have a simple request. What procedures does your company have in place to investigate accounts? 
2. I am requesting you send me a copy of your policy and procedures?

3. Are your procedures congruent with Title 15 Subchapter III in reference to credit reporting agencies? 
4. What data are you basing your verification off?

5. Provide me with the names and business address of the persons with whom you contacted/verified these items, so that I may contact them myself.
Product: Credit reporting or other personal consumer reports

I asked for the fraudulent inquiries be removed. I have not heard any response. I also have a collections account from XXXX that was a result from identity theft. I never requested a XXXX account to be open. I reported my theft to the FTC. I will seek litigation if these items are not removed immediately.
Product: Credit reporting or other personal consumer reports

Hi, I have been requesting over and over to have my personal information updated as it is reporting inaccurately.

I have reviewed my credit report and found there are several inaccurate information within my personal identification which you are reporting. I want to ensure you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right to update your reports with the information that I have listed below immediately. The addresses that you are reporting are not accurate!!

To make your process of deletion easier, here is a list of my information in addition to the enclosed supporting documents. 

My First & Last name is as follows : XXXX XXXX XXXX. 
Please remove any other names you are reporting that does not match. 

My current street address is as follows : XXXX XXXX XXXX XXXX, GA XXXX Please remove any other addresses that are previously reported. 

My date of birth is : XXXX  Please remove any other dates or years you have listed. 

My employers name is as follows : XXXX XXXX XXXX Please remove any other employers that you have listed. 

Name : XXXX XXXX XXXX. 
Address : XXXX XXXX XXXX Date of Birth : XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. 

Sincerely, XXXX XXXX XXXX Enclosed : Photo ID, Proof of SSN, Proof of Address
Product: Student loan

Saludos ... 

I am a XXXX  Citizen resident of XXXX XXXX, XXXX. Navient purchased my student loans many years ago. I have not missed payments, except that I do miss the datelines from time to time because of the way I am paid by my professional services. Now, as soon as the payment deadline goes over one day, I immediately start receiving calls several times a day, over half a dozen times regardless of me explaining that payment will be issued within X amount of days, next day, etc. I keep mentioning to " the next call '' that I already spoken to an officer but to no avail. Last answer by them when I asked for a reason why they keep calling the same day several times a day is " that the law let them call 8 times per day ''. Is this is just like that even after talking to one of them?

Please advice ...
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX are continuously inaccurately reporting my personal information monthly, and I request immediate correction. Please delete these names XXXX XXXX XXXX and XXXX XXXX XXXX. Additionally, my address is inaccurately listed as XXXX XXXX XXXX XXXX XXXX XXXX on my credit reports. This information is not entirely accurate and must be deleted. Under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is prohibited to furnish any information relating to a consumer to a consumer reporting agency ( CRA ) if the person knows or has reasonable cause to believe that the information is inaccurate. These credit reporting agencies reporting of my information is a violation of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). Furthermore, these CRAs do not have my consent to share my personal information with any individual or corporation, violating my right to privacy under 15 U.S. Code 1681b. I am providing accurate information regarding my name and address with my lease, utility bill, and driver 's license. I request that you correct my personal information as outlined above.
Product: Mortgage

I paid for an appraisal with a credit card that was ordered by XXXX XXXX XXXX XXXX   XXXX, but then moved away from that lender and applied with a second mortgage broker. When the second mortgage company asked XXXX XXXX XXXX XXXX XXXXXXXX to release the appraisal ... they said they wouldn't do that.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments reported were due to a technical issue with XXXX XXXX 's billing system. My payments were made on time, as confirmed by my bank records, but they were incorrectly posted late due to a delay in the creditors system. This error resulted in my account being marked as 30, 60, and 90 days late, which is not reflective of my actual payment behavior. 
Evidence provided : Bank statement showing the payments made on time. 
Correspondence from XXXX XXXX acknowledging the technical issue with their billing system. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, A medical debt of {$54.00} was transferred from one of my doctors to Credit Collections USA. This debt was due to an indecision by The Department of Veterans Affairs XXXX VA XXXX and Social Security Disability ( SSD ) as to who was the responsible party for the bill. I was finally notified of the debt by Credit Collections USA ( C.C.USA ) in XX/XX/XXXX. After speaking with a representative at C.C.USA, I agreed to pay the debt ( which was later reimbursed by the VA XXXX and did so on XX/XX/XXXX. When I paid the debt, I was guaranteed that the debt would be removed from my credit report. XX/XX/XXXX I contacted C.C.USA with the concerns that this item had not been removed from my credit report. After several conversations with employees and supervisors, I was told that the representative that gave me the guarantee had not been authorized to do so and they would not be removing the debt from my credit report. Two years of negative credit posted by this company from the time it was submitted to the time I was made aware of a debt that I ( XXXX XXXX XXXX XXXX XXXX  ) was not responsible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the reporting of late payments on my credit report. I believe that these late payments are inaccurately reflecting my payment history and adversely impacting my creditworthiness. I request that they investigate this matter promptly and remove the disputed late payments from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Creditor : XXXX Account XXXX : XXXX Date Reported XX/XX/XXXX I assert the following reasons for disputing the accuracy of the reported late payments : 1. Error in Reporting : I have thoroughly reviewed my payment records and have found discrepancies between the reported late payments and the actual payments made. I have consistently made timely payments to XXXX and can provide documentation to support this.

2. Good Payment History : Prior to the alleged late payments, my payment history with XXXX has been exemplary. It is highly unlikely that I would suddenly deviate from this pattern without any valid reason or notification. 

3. Request for Investigation : I request that they conduct a thorough investigation into the accuracy and verifiability of the reported late payments. This includes verifying the dates, amounts, and any associated fees or charges. I also request that they contact XXXX to confirm the validity of the reported late payments.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under Fair Credit Act ( FCRA_to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues. such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responds, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provide, causing ongoing harm to my credit standing. I'm requesting immediate corrective action to removed or amend the disputed accounts, as Including Experian, XXXX and XXXX inaction violates federal law and my rights as a consumer.
Product: Prepaid card

In addition to CFPB complaint number : XXXX and XXXX, I'm requesting all Economic Stimulus Payments that were not paid to me to be paid. I didn't receive any payments or had an ability to speak with live customer service from Money Network. All phone numbers that your company provided are automated, they do not have an option to speak with a live representative or to leave a voice mail. The phone line requests for debit card and pin numbers in order to bypass to next option. I'm unable to do so because I never received any cards from your company. 

In your letter to CFPB on XX/XX/XXXX, you requested that I fill out dispute forms. I'm unable to contact Money Network company since XXXX, please attach all forms and everything that you need with this complaint. I'm confirming that I never received any form of payment for Economic Stimulus Payment from Money Network. 

I would prefer getting paid by check if this option is available. Thank you.
Product: Checking or savings account

On XX/XX/2022 went to a atm to withdraw money and was met with a atm error so tried it two more times just to be met with the same atm error. So I check my balance and it said {$300.00} dollars withdraw.i turned off any other transaction on the card and gave them a call they told me to turn my card transaction back on because in XXXX hours my money would be back.the following morning there's was an additional {$300.00} dollars withdraw from my account.i ended up sending them everything they wanted me to send and I got a temporary credit of {$600.00} dollars until my case got resolved. I had a couple of dollars on the card so I picked up a beverage at the store with the card but was declined so I checked and it said I was - {$600.00} dollars. So I called and told them why am I in the negative they told me that they couldn't open my files so I owe them money. I clearly explained to them I just want my couple of dollars back. So when I got my check from the Biden tax/gas relief it went to that card and I been trying to get it back and was met with a dozen of explanations and dates and was told that I canceled my own claim. The company is chime and I really don't know what else to do I tried a small claim attorney but was told the dollars amount is to low. Someone help me please.
Product: Mortgage

Capital Bank financed an investment property in XX/XX/XXXX. They merged with XXXX XXXX a couple of years ago and then last year they merged with First Horizon Bank. When going after a refi on our personal residence, it was discovered that First Horizon has a lean on that property that was purchased XX/XX/XXXX and financed by XXXX XXXX! First Horizon has NO LEGAL RIGHT to have put a lean on that property and I want it removed immediately! 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I was XXXXyrs old my mom had me cosign a mortgage with her in XXXX. Years later she defaulted on her payments because she went on XXXX. In the process she was trying to get the loan modified, I put a quit claim deed on the house because I never lived in it as I was advised to do so by the company ( I live in XXXX  ). While the modification was getting approved Ocwen told her not to make the payments. I never signed modification, I never in my life made payments, the company will not speak to me being that I am not on the modification yet they have and are reporting Me to the credit bureaus and have ruined my chances of many loans including a VA Loan with my husband. I have hired several companies to help fix the issue, but they haven't had any luck. The modification strictly states that only my mother is listed as owner/responsible party. They need to remove the account from my credit or remove the late payments completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want my Extended Fraud Alert on my XXXX, Equifax and XXXX XXXX credit report to list my current address and phone number for creditors and lenders to review and see. Please add my current address and phone number to my Extended Fraud Alert and credit report. Heres my current address and phone number : XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found an account that is not mine. The account is with collection agency Nationwide Recovery with a balance of {$1700.00} and an original creditor of XXXX XXXX XXXX XXXX. I have never done business with either of these companies and this account is not mine. My name is XXXX XXXX XXXX, and my father 's name is XXXX XXXX XXXX. I believe this may be his account and if not this account is fraudulent.
Product: Credit reporting

I submitted a dispute with all XXXX credit bureaus numerous times and there are still items that have been paid and are duplicates reflecting on the credit reports. Further, I have provided information to the credit bureaus and the companies that verified that I paid the accounts. These specific accounts are still showing active, with a balance and a monthly payment. The specific accounts are- XXXX XXXX XXXX ( XXXX XXXX , XXXX XXXX and XXXX ) and XXXX. Further, some of these accounts have been reported on my credit report since XX/XX/XXXX and XX/XX/XXXX-approximately 11 years. I have contacted all XXXX credit bureaus ( TransUnion, XXXX and XXXX ) and they refuse to remove the accounts each time and now they are reflecting duplication.
Product: Credit card or prepaid card

In XXXX XXXX sent a fraudulent gold card in my name. I did not find out until XXXX. I filed for bankruptcy in XXXX. In XXXX I called to get statements to pay the cards off and they sent me more statements then I had cards and that is when they told me about someone calling saying they were me to send out a card. Well I paid it not know because they never told me what card I was paying just the amount due. The last time I used my gold card was XX/XX/XXXX. They have removed the charges but I'm still waiting on a refund for the payments I made. The have copies of all statements showing my payments but nothing. In is going on XXXX years the keep telling me the back office is working on it and there are no updates. I have reported it to their complaints department many times and nothing. They keep telling me they will have someone call me and no one has ever called me this whole time. XX/XX/XXXX is when I reported this and to this day no one has called me. I want my money back is is well over a XXXX dollars I have paid on charges that I never made
Product: Credit reporting or other personal consumer reports

I asked to verify how to make a complaint to verify my beneficiary account. 
Immediate Action Required : TitleMax Information Needed T TitleMax Data Breach to me XXXX hours agoDetails Dear XXXX XXXX, This is our second attempt to request time-sensitive information regarding your TitleMax claim. Your prompt attention is crucial to ensure we meet the approaching deadline. 

To proceed with filing your demand for arbitration, we urgently require the following details : The name associated with your TitleMax account Your complete TitleMax Loan Number ( not the loan amount or VIN ) The phone number linked to your TitleMax account Providing this information is mandatory. Failure to do so by XX/XX/year>, XXXX jeopardize your ability to file a demand for arbitration. 

If you have any questions or need assistance, please dont hesitate to contact us by email at XXXX. Were here to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FRCA the term investigate consumer report Means a consumer Report a portion thereof In which information on Consumers character, General reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item of information.

They stated my account were verified but how is that possible if they did not do the proper investigation according to the law also every piece of information on these accounts are still not reporting 100 % accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracy **I have never signed any written documents saying I owe this debt to the collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX resource They are violating my rights under the FCRA as a consumer I dont know who they are and have not written consent form on my end Also they have not verify that I owe this debt to this allegedly company Please have this remove from all credit bureaus **Invalidated debt/ debt has been invalidated Contract has been canceled ***Pursuant to 18 USC 8. I owe no debt. This company is violating My consumer right to privacy Pursuant to 15 USC 1681 B 2 Company has also NO permission To report anything using my information to 15 USC 1681 4 **I have never signed any written documents saying I owe this debt to the collector They are violating my rights under the FCRA as a consumer I dont know who they are and have not written consent form on my end Also they have not verify that I owe this debt to this allegedly company Please have this remove from all credit bureaus