23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I call for suppose I owe from ambulance transport but they don't give a place when the ambulance transport my self so I'm told I owe the ambulance service or hospital where they due service to me not to u So they next I'm owe at XXXX XXXX when I pay on 2019 to XXXX at full ther money so this company is a spam Credence I located at XXXX Tx and XXXX MI
Product: Credit reporting or other personal consumer reports

An apartment me and told me I owed XXXX XXXX XXXX dollars when I never stayed there
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 listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXXXXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX  XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax should not be reporting a collection/chargeoff on the XXXX XXXX partial account number XXXX. This account is being reported as a duplicate with a higher, incorrect balance. I have attached a copy of the duplicate accounts from my credit report. Please remove this line item. It is a violation of the Fair Credit Reporting Act to not report accurate information. This false reporting of a duplicate account is harming my credit score. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

my XXXX  card is reporting on my report falsely and i was sent a 1099 C showing my debt has been canceled, i need the XXXX  card from XXXX XXXX removed
Product: Checking or savings account

My checking account was hack and there were two unauthorized CH transaction to XXXX and XXXX XXXX. 
The fund was deduct from my chase account by fraudulent activity. Chase refuse to refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have yet to receive any response from the credit bureaus regarding my investigation results.
Product: Debt collection

I continue to get calls from ( XXXX ) XXXX on my home phone looking for XXXX XXXX. I have advised them XXXX in the past year I do not know this person - please remove my phone #. I got another call 2 days ago and called them today to advise they have a wrong # referencing the # they request of XXXX. In a few months they will call again - a live person leaves a message about a pending Court date for XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Bank account or service

I opened a CitiGold checking account on XXXX/XXXX/16 with Citibank Financial services through a promotion that offered XXXX XXXX XXXX Miles for making {$1000.00} worth of purchases on my debit card and a bill payment. I received confirmation of the promotion after opening the account. The requirements were met well within the requested time frame and I contacted Citibank customer service regarding the bonus miles. After receiving no answer from them regarding the issue a month later they responding stating I did not open the account through a promotion. I would have never opened this account without a promotion.
Product: Mortgage

I hired XXXX ( XXXX ) to handle short sale negotiations with Atlantic Bay Mortgage ( XXXX is their Credit Dept. ) on a drowning investment property I own. I also hired XXXX, Realtor of XXXX as the listing agent. A fair offer was received in XX/XX/2016. To date, XXXXAtlantic Bay Mortgage has FAILED to order an appraisal of the property though asked repeatedly by both Realtor & XXXX causing the prospective buyer 's offer to expire on 3 different occasions. The buyer is no longer willing to negotiate! Atlantic Bay and XXXX has failed to do their due diligence and follow through with the required appraisal! They are forcing this property into a foreclosure status and further damaging my credit due to their failure to do their jobs! Please help!
Product: Vehicle loan or lease

I originally purchased the car via a loan from my local XXXX XXXX. Somehow in that process, Ally bank ended up with my car loan. I have had repeated issues with their website and billing system, but auto-pay generally worked. I have reached the end of my loan and currently owe somewhere in the neighborhood of {$23.00} ( or XXXX or XXXX cents, depending on if you believe the website, or the people in the call center. ) I went in and attempted to make a payment previously, but the website gave me a stern warning that because I was enrolled in auto-pay that I should not do this as I would be double charged, so I stopped and was going to let the auto-pay go through for the final payment. 4 days before the auto-pay would have taken the money, I got a letter from Ally stating that auto-pay wouldn't work for the remainder amount because its not a full payment and that I needed to manually pay the final amount. Ally 's XXXX system for their website doesn't appear to work either via text or the phone call option, so every time I want to log in I have to call and get my password reset - as this is the only way to bypass their non-working XXXX system. Any attempt to use their website across XXXX separate computers and XXXX different browsers all result in the same issue - a loop where the payment screen forces you to go to the payoff quote screen, which sends you back to the payment screen, which sends you back to the pay off quote screen in an infinite loop of fail, but no option to actually make a payment that the website will accept. The call center has been less than helpful, generally advising me to wait an hour and try it again- which I have done for 4 days now - but no, just be patient, this time it will really work ( n.b it didn't work. ) They also helpfully allow me the option to pay an additional {$5.00} to some third party company who would pay them the $ XXXX, but I refused this option on the principal that I shouldn't have to pay some other party {$5.00} to pay Ally the $ XXXX. Ally shouldn't be able to weaponize their technological incompetence to force additional money out of me.
Product: Credit reporting or other personal consumer reports

Due to the recent lawsuit against Experian on XX/XX/scrub>, 2025. I insist you investigate as the FCRA Law requires you. I will explicitly say do not accept the findings of furnishers who do not provide thorough investigation results. I ask that you provide me with the exact details. Please delete disputed information within the required time line of 30 days or less as set forth per FCRA, which is federal law. I disputed items with each bureau on XX/XX/scrub> 2025, and it returned as verified. There is a report that was filed with the FTC as well, and it's on their website that says there were goods and services obtained without my consent. 

FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES.

I have enclosed a copy of the FTC and credit report, and I want you to pay attention to pages 1-3, which state this.
Product: Credit reporting or other personal consumer reports

Recently upon checking my credit report I noticed that I have been a victim of identity theft and found numerous credit inquiries that I had no knowledge of. I received notification that my information was involved in a Breach from XXXXXXXX XXXX XXXX XXXXXXXX. They stated that my personal information was accessed and downloaded from the banks database and a XXXX during periods in XXXX Thru XX/XX/year>. According to Fair Credit reporting Act, Section 605B... It is illegal to report information on my credit report without my permission. Also Law 15 US Code 6802 states that no financial institutioin can share my non public information with a 3rd party entity. Please Remove this item from my credit report. I have once again enclosed the letter i received from XXXXXXXX XXXX XXXX XXXX and also a FTC report.
Product: Credit reporting or other personal consumer reports

I have a current police report on file with Chex Systems. The following inquiries viewed by others and by me currently showing and listed on my Chex Systems Consumer Report ID : XXXX is fraudulent inquiries and not my inquiries : XXXX XXXX, XX/XX/year> and XXXX XXXX, XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which I closed in XXXX of this year due to outrageous fees. 

I was charged a yearly fee, around the time I closed the card and was told the fee would be returned to the account I used to pay my bill each month and should arrive in approximately 7 days. This was over a month ago. Several follow up calls have yielded different answers. I have heard my request is still processing, I should received a check in 7-10 days, and the check is in the mail. Almost two months later, I still have not had this fee returned. 

Second, I closed the card in XXXX and paid the balance in full. I never carried a balance on this card and always paid it off every month. Not only are they still reporting a balance, they are reporting that I am over my credit limit ( due to the annual fee they charged ). Not only do I have a XXXX  balance and have had a XXXX  balance since XX/XX/2020, I have had no luck getting the company to remove this from my credit report. I filed a dispute with the credit reporting agencies in XXXX about the incorrect balance/account status/over the limit remarks, which resulted in the card showing as closed and the balance being {$0.00}. Then, early this month, the company again reported the same incorrect data to Transunion, resulting in a nearly 50 point reduction in my credit score. I have filed a another dispute with Transunion to have this removed again, however, it comes at a time when I am rebuilding my credit and attempting to purchase a new home in the next few months. Such a drastically reduced score, due to the incompetence or criminality of the card issuer/credit agency, has negatively impacted my ability to seek other credit/mortgage options and may end up costing me significantly more in interest once the home loan process is complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing that I have a XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, FL XXXX, Phone : XXXX ( XXXX ) XXXX - XXXX.The mortgage does not belong to me, I never applied for it or never enjoyed it, furthermore, I was living at the time overseas. According to the report, the account was opened on XX/XX/XXXX. The original mortgage amount was for {$29000.00} and the remaining balance is for {$25000.00}. The mortgage amount is {$500.00} and has been paid ( struggling ) monthly by someone, but stopped payments altogether in XX/XX/XXXX. After I have tried before to calling to XXXX  and XXXX to try to get the issue resolved but I have been unable and got as response that " after they investigation they concluded that the debt was mine ''. It was impossible to get it resolved. 

Recently I was able to pay a visit ( had to go in person ) to the address before described ( XXXX XXXX XXXX ) given that I was unable to get it resolved by phone or email and was promised that they were going to investigate the issue. A week later I got the following answer from XXXX XXXX XXXX : '' Thank you for contacting XXXX XXXX XXXX Financial Services Department. Pursuant to your request, we have concluded he investigation, XXXX XXXX XXXX does not have your information on our records. Management recommends that you reach out directly to Experian and XXXX and process a dispute of the information they are reporting ''. 

I would like to have the wrong information deleted from my report as it does not belong to me and it creating a lot of stress and it is not allowing me to buy a car or a house with a decent score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect info is being reported by the company. There are different days being reported to each credit bureau for the date that the account was originally opened.
Product: Credit reporting or other personal consumer reports

Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXXXXXX XXXX XXXX : {$2900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$3900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$3000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$18000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$3000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$18000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$3900.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding consumer reporting agencies reporting inaccurate information without my written consent pursuant to 15 USC 1681b ( a ) ( 2 ).

The problem is a blatant disregard of my rights that Congress put forth for consumers protection, stating my written consent to my consumer report is needed before furnishing any information. The non cooperation giving makes pursuant 15 USC 1692k the agencies involved civilly liable. 

I mailed a letter XX/XX/2021, and as of XX/XX/2021, i have yet to receive a response. 

The agencies that are violating my IV Amendment ( The right of the people to be secure in their persons, PAPER, and effects, against unreasonable searches ) are XXXX, Transunion, and XXXX. 

This complaint is from the consumer who is also the natural person.
Product: Student loan

I went to XXXX XXXX  college in XX/XX/1995. The college went out of business and I never got a degree
Product: Credit reporting or other personal consumer reports

I checked my consumer report and noticed errors on my credit report. The account XXXX XXXXXXXX was reported late # XXXX, XXXX XXXX XXXX XXXX # XXXX, HARD INQUIRY XXXX XXXX  XXXX. I have NEVER been late. I have my account on auto pay. I have sent in letters, various complaints, and have not received any proof or validation of the debt. According to 15 USC 1666b late payments should not be reported on consumer reports without permissible promise. I have never gave consent to anything. Please show me the consent to share my private transactions. I gave to removal all negative reporting items on my account. It is preventing me from getting any 15USC 1681a ( XXXX ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet EQUIFAX is reporting this information. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( XXXX ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately.
Product: Debt collection

I have been receiving repeated and early monring calls from Medical revenue services - phone numnber XXXX regarding medical debts. As a student I am trying to make arrangement to pay my medical bills since I have no job. I called them back on XX/XX/23 the company and asked for information to contact the hospitals- since the name of the hospitals provided did not match my records of whre I obtained care. The representeative was very insultive - telling me that since I assume to be a student, I should know that XXXX XXXX and XXXX hospital are the same. That I shoyd have settled my bulls to avoid XXXX calling me. 
She would not proivide the th information I requested, but just kept talking down at me and would not listen or address my request, so I hung up. They just continue to harrass me and I am afraid of taking any calls. 
Please help.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates that you delete any incorrect accounts from my credit report. Kindly review the documents as some accounts have been inaccurately listed, with wrong amounts and dates being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are refusing to remove a collection that's reporting on my credit report. I have no relationship with XXXX XXXX XXXX and the balance was paid with the original creditor, hence why the account reports a XXXX balance, so I am confused as to why they are still reporting this account. I have sent all XXXX credit reporting agencies proof and XXXX is the only credit bureau that removed the account. I do not believe that Equifax or XXXX conducted an investigation into the inaccuracy of this account therefore I am reporting this to the CFPB, XXXX, and the attorney general. XXXX also reports that no payments have been made on the account when the account has no balance. Please tell me how this meets FCRA guidelines? I am requesting that Equifax and XXXX follow suit and remove this account from my credit report, or I will be seeking compensation per violation. Please see attached credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Many hard inquiries have recently been reported on my newly established credit without my knowledge or consent. It is really impeding my ability to obtain financing, or even get small approvals. I have attempted to contact these companies via phone and email and no proof has been shown that I, myself, was the one who opened the accounts. Please remove them immediately after investigating. 

XXXX XXXX- XX/XX/XXXX Capital One XXXX XXXX- XX/XX/XXXX I have no knowledge of these companies on my XXXX report.
Product: Checking or savings account

I closed my Axos XXXX account on XX/XX/2021. I originally had my funds with them as my " new house '' fund. I have made an offer that was accepted on a property so now I am trying to withdraw my money. They told me, originally, that the ACH would go out by the XXXX, it did not. They then said it could take up to 10 business days which would make it the XXXX. It still has not been sent. Now they are telling me it will take 5 more business days. I am afraid that they will keep telling me " just a few more business days '' for a long time. And I need my money for my house, or I will lose it. There is definitely something suspicious going on here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a XXXX  XXXX and I was asked to do a background check for a company I deliver to and in my background check shows I have 2 criminal records. It shows they were in XXXX XXXX, but i've never had a criminal record anywhere. I've always lived in XXXX and XXXX XXXX County. I'm trying to remove them from my background report but don't know what else to do. I need this to clear as soon as possible or I may loose my job because of this. I've been working for XXXX XXXX XXXX in XXXX, CA since 2010 and the new route I got is requesting me to this background, but I can not deliver to them because of the Criminal reports in the report. I have attached the Criminal Report I received from XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Im writing to formally request my concerns regarding Zelles handling disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institute 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 CFPBs 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.