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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 90 -  120 days past due on the XXXX and XXXX XXXX  XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 8, 14 and 15 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three of my loans were reported as 30 days past due even though two of them are in school deferment and one of them I made two payments on prior to the due date. One payment was made over the phone with a customer service agent and the other was made online according the latest invoice. Ive had issues before and the company was willing to assist by agreeing to remove the late payment from my report. However they were never removed.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

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

On XX/XX/2019, Great Lakes Servicing applied {$17000.00} in XXXX Loan Forgiveness to my student loan balance bringing the balance down to {$26000.00}, as shown in the documents I have attached. Great Lakes notified me by email and regular mail that my account was now in re-payment with the first payment of {$82.00} being due on XX/XX/2019 ( see attached ). They have not updated my credit report to reflect the Forgiveness payments, nor have they removed the " deferred '' remark either. I disputed this with XXXX. ( See attached ). XXXX completed its investigation on XX/XX/2019 and states that Great Lakes verifies the information I have disputed ( balance of {$43000.00} and payment status " deferred '' ) to be correct when the documentation I have from Great Lakes and live online access to my Great Lakes account shows it is not correct. This is hurting my creditworthiness and ability to secure a decent interest rate on a car loan. My car is 18 years old with XXXX miles on it! I need reliable transportation to get to work!
Product: Checking or savings account

We had fraud that was not caused by our actions on a Citizens account ending in XXXX. We had to repeatedly request for the account to be frozen and closed. It has been over two months and the account is still not closed. We transferred all our funds to a new account ending in XXXX. This is a new account. We have no checks or any other way to get money from the account other than online bill pay/transfers. Unknown to us, the bank froze our account resulting in late fees and our mortgage to be two weeks late. We have FT jobs, young children, and care for my parents who have XXXX and are on XXXX All of our banking is on automatic payments. Citizen froze our accounts, we can not take the money, we can not close the account. Wait times regularly exceed 1 hour and we are at times dropped from the customer service line with no explanation. We have no way to access our money.
Product: Credit reporting or other personal consumer reports

Information from this THIRD-PARTY NON-AFFILIATE was acquired without my knowledge, permission, or consent. This information that is reported from ChexSystems was not authorized by me, and I DO NOT give them the permission to report any of my non public personal information. This is including EVERYTHING that is being reported including my Transaction history. Which is also illegal for ChexSystems to have as a non-affiliate, especially because I NEVER PROVIDED CONSENT, WRITTEN, UNWRITTEN, VERBAL, OR NOT VERBAL, for my personal non public information to be provided to this Third-Party company. I take back any consent that was provided on my behalf by any company that illegally provided my personal information to ChexSytems, which is not allowed, I am also opting out of reporting by this third party non-affiliated company ChexSystems, from providing non public personal information ON ALL of my consumer credit report. INCLUDING ILLEGAL TRANSACTIONS HISTORY.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been disputing this card for over seven years. I told the company I never received the card and they had taken it off my credit reports. I just got in the mail a day ago that this account ended in XXXX and was sold to a third party DNF associate 's phone number is XXXX. I tried calling and did not talk to a representative. I have been having trouble for a long time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 US CODE 6802, ( A ) a financial institution may not disclose non public information to a non affiliated third party unless such financial institution clearly and conspicuously discloses to the consumer in writing or an electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to a third party. ( B ) the consumer is given the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such third party. ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. This means that by law, I have the right to opt out of having such information reported. I demand that all DXXXX XXXX XXXX  accounts be DELETED AND REMOVED from my Credit Report IMMEDIATELY!!!
Product: Mortgage

My name is XXXX XXXX. This is regarding to my loan with XXXX under NewRez. They filled a duplicate lien on my deed. I only have XXXX loan but there were XXXX liens filled. It was filled by XXXX. They filed the same Deed of Trust on my loan twice within XXXX hour and XXXX minutes of each other on XX/XX/XXXX. I contacted them on Thursday XX/XX/XXXX and ONCE OR TWICE A WEEK AFTER THAT regarding to the need to have a release prepared and recorded and sent to me. 

On XX/XX/XXXX, they refused to do it because I have not paid off my loan yet. HOWEVER, there was a duplicate that needs to be released so it should not be the reason. The back office team was very irresponsible. They did not even investigate well on the DUPLICATED lien filed on my deed. I had to talk to another representative AGAIN to submit another request. 

This is very frustrating because I need that " false '' 2nd lien on my deed to be released so I can move forward with my home equity loan. Their mistake is preventing me from getting my equity loan to buy another property. If I did not find out, this thing will stick on my record for a longer time. They did not work on it seriously to correct their mistake.
Product: Credit reporting or other personal consumer reports

I have I have reached out to this company and spoke to a XXXX she told me that she wasn't a credit expert. She also said she can't tell me when they would stop reporting and to reach out to the attorney. If this is possible, how are they reporting for a vehicle that long that doesn't have a lien. XXXX stated that I need to talk to the attorney which nevers answers the phone. I also stated to show me where I owe the money and they haven't sent it and I was told that is internal and they can't give it to me.
Product: Money transfer, virtual currency, or money service

In continuation of complain XXXX, I submitted a complain to CFBP, and I am confused that TD has closed my complain without resolving it completely. TD failed to either deliver the funds to benificery nor do they refunded it to me. No confirmation were provided by TD about the availableity of funds. Unfortunately, the funds are still not available to the benificiery and TD has closed the complain without a complete resolution. 
I have been working very actively on it as always. What I could learn that TD has opened up a recal which limits the availability of funds to the befinciery and even at lapse of 2 weeks they could n't cancel those re calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 I traded in my vehicle with with new dealership. Months later previous lender reported false information on my credit worthiness to the bureaus. It is now being reported I was 3 months behind on payments 3 months after DMV release of liability form was signed and submitted.New dealership has proved the previous lender cashed payoff check before they reported late payments
Product: Credit reporting or other personal consumer reports

I am filing a complaint for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that are inaccurate XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXXXX/XX/XXXX XXXX University ), XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX ( 3 accounts ), XX/XX/XXXX ( 2 accounts ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and US Bankruptcy
Product: Credit card or prepaid card

Citi Card company has kept charging me an interest although there has been no late payment ; I have paid in full or more money for the standard purchase every month. I called and visted their office, but their explanation was different every monthe. For example, first month ( XXXX ), they admitted their mistake and wavered the interest they charged. 
Next month ( XXXX ), they said there will be no interest if I paid in full for the standard purchase. 
This month ( XXXX ), They charged the intrest again even though I paid in full for the standard purchase. They said they have to charge interest until I repay whole balance including the balance transfer which interest should not be charged until XXXX, 2020. For example, I did balance transfer for {$6000.00} about six month ago as Citi Card said there will be no interest untill XXXX, 2020. For that reason, I paid a fee of {$180.00} for the balance transfer. I think Citi Bank is cheating people with the misleading advertisement and information. I attached Citicard statement for the month of XXXX, XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act, the following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 ( a ) states that I have the right to privacy. 15 USC 1681 section 604 ( a ) section ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records for convictions of crimes which antedate the report by more than seven years. 15 USC 1681 s-2 ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information may be inaccurate.
Product: Mortgage

Fay Servicing has intiated a forclosure against me and they know that I live in the home but they continue to do illigal notification practices by sending documents to my deceased mothers home in another city that they know for a fact I do not live at and have not lived at for over 25 years. the mortgage never had that address for any documents or lending that address has never been on file for anything including with other companies. They have been notified by phone and in writing that I do not live at that address and to stop sending things there but they keep doing it because they are trying to circumvent the notification of service rule. They are a predatory lender and they are also breaking privacy regulations by sending documents to a bad address. Fay servicing also keeps adding exhorbant fees to my loan for legal fees and property assesments. The property is in perfect condition and they know it. The fees are incredibly high and not the average amounts charged by other lenders. I also had a insurance claim and they have conveniently lost or damaged the checks to pay for the new roof installed on my home and i had to pay for the repair out of my own pocket but i sent them the insurance checks to endorse and send back to me which they have not done and it's been a year! please assist
Product: Credit card or prepaid card

Company was conspiring with FBI TO Close my account cause FBI has me on the XXXX watchlist and FBI does not want me to have any accounts so Citi bank was harassing me and being very unethical and discriminatory against me they illegally closed my secured credit card account, now they are refusing to refund my security deposit of {$140.00} and I want 2 weeks of interest at {$100.00} a day for them depriving me of my property ( funds ) thats a total of {$1500.00}
Product: Vehicle loan or lease

I have a loan with credit acceptance ( acct # XXXX ) which is up to date. The loan was both in my husband and my name. My husband totaled the car, and his insurance company, XXXX paid {$10.00}, XXXX on XX/XX/2020. I called and spoke to a representative about the remaining balance in the beginning of XXXX and requested that my credit score be updated within 30 days. Afterwards I made arrangements to pay off the balance of the loan and made a payment of {$480.00} on XX/XX/2020. This brought the balance current. The representative stated that my credit score would be updated by XX/XX/2020 to reflect the current balance. I checked my credit report with all three agencies and it is reflecting a balance of {$17.00}, XXXX Credit acceptance requested an additional 30 days to correct the balance although I stated that I am aware of my rights as a consumer and that the company legally has 30 days to respond to correspondence/communication regarding accurate account balances. I spoke with XXXX, XXXX ( supervisor ) and XXXX in the corporate office, whom requested that I just keep calling the company until I can reach someone from their credit reporting division.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft and I have multiple hard inquiries for accounts I do know have and not aware of applying for
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting three late payments furnished by a creditor. In order to report this on my credit file, Transunion never properly investigated this information. Did they interview witnesses? I did not consent with either agency to share my personal information and they are breaking the law. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding unauthorized collection activities by Southwest Credit Systems concerning a fraudulent account attributed to me due to identity theft. Below are the pertinent details of my case : Incident Date : The unauthorized collection account was discovered on my credit report on XX/XX/2024. It relates to an alleged debt of {$820.00}, associated with an address in Texas, XXXX, which I have never resided at nor authorized any credit transactions from. 
Action Taken : Upon discovery, I immediately contacted Southwest Credit Systems to inform them that the account was opened fraudulently under my name. I provided them with a detailed account of the situation, including the official police report and the identity theft report numbers, as evidence substantiating my claim of fraud and identity theft. 
Current Situation : Despite my efforts to resolve this issue amicably by providing ample evidence of the account 's fraudulent nature, Southwest Credit Systems has continued their attempts to collect this debt. This persistence occurs in spite of clear documentation and reports provided to them, indicating that the account was opened under fraudulent circumstances. 
Impact : This unwarranted collection activity has not only caused me significant stress and XXXX  but has also adversely affected my credit score, potentially impacting my ability to obtain credit, employment, housing, and other necessities. The refusal of Southwest Credit Systems to acknowledge the fraudulent nature of the account and their continuous collection attempts are both distressing and unjust. 
Given the seriousness of this matter and the clear evidence of identity theft, I urge the Consumer Financial Protection Bureau to take immediate action. I seek your assistance in investigating this complaint against Southwest Credit Systems, ensuring the fraudulent account is removed from my credit report, and stopping further unauthorized collection attempts on this account. 
I am prepared to provide any further information or documentation as required to assist in this matter. Your prompt attention to and resolution of this issue would be greatly appreciated. 
Thank you for your time and assistance.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance Owed : {$28000.00}
Product: Debt collection

In XX/XX/XXXX, my XXXX  XXXX bankruptcy case ( XXXX XXXX. XXXX ) was discharged by the United States Bankruptcy Court for the XXXX XXXX XXXX XXXX  XXXX This discharge included all debts owed to XXXX XXXX XXXX XXXX ( XXXX ), as confirmed in the discharge order. Despite the discharge, XXXX sold one of the discharged debts to Quantum3 Group in XXXX. 

Under 11 U.S.C. 524 ( a ), the discharge injunction prohibits creditors from taking any action to enforce, collect, or transfer a discharged debt. By selling the debt, XXXX violated federal bankruptcy law. While Quantum3 Group claims it is not a debt collector, the possession of the discharged debt creates confusion and potential for improper enforcement. 

Additionally, XXXX imposed restrictions on my ability to open a new account, citing this discharged debt as the reason, further violating the discharge protections.
Product: Debt collection

The company put {$6700.00} on my credit report as to what is owed & the amount is twice less at {$2700.00} and wont take it off
Product: Credit reporting

Equifax response was improper for the following reasons : # 1 they did not conduct a proper investigation as required. Instead they responded that inquiries are a factual record of file access which put us consumers at the mercy of creditors. # 2 The creditor ( XXXX XXXX ) was contacted and they have no record of the inquiry. # 3 Equifax placed a fraud alert on my credit report on the XXXX bureaus which makes it difficult to obtain credit. This fraud alert should off never been placed because the issue in dispute happened 17 months ago. Therefore, I demand Equifax to lift the fraud alert from the XXXX Bureaus inmediately and delete the inquiry from my report as well.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$24000.00}
Product: Vehicle loan or lease

FINAL ATTEMPT NEXT STEP TAKING IT TO COURT .. 

I SIGNED A 60 month term. 5 years XXXX $ monthly at 20.9 interest rate. For a XXXX XXXX XXXX. Price a little over 24k signed on XX/XX/XXXX. Here it is. XX/XX/XXXX with a balance a Little over 17k still really? I know I have been late but if u go back and look at payments history I paid over XXXX  $ to cover late fees. On top of that I was informed I differed 10 times of course I did the system was setting me up to fail. So now maturity date changed to XX/XX/XXXX. Now lets do the math XXXX including late fees we will be going way into late XXXX so in reality a 5 year contract turned into a 7 year contract. Even with 15 payments remaining at XXXX $ MONTHLY. INCLUDE ALL LATE PAYMENTS INCLUDE PAST DUE PAYMENTS. IT STILL ADDS UP XXXX dollars BELOW XXXX what I supposedly still owe do the math