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

On XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and Equifax had been mailed an official dispute letter USPS Certified Mail. Soon after, I received the results of the investigation only from Equifax and XXXX by mail with the correspondence date of XXXX XXXX while XXXX " updated '' the profile. The Credit reporting agencies stated that my account has been properly investigation but that is not accurate due to the reported balance of $ XXXX XXXX is inaccurate, the status of the account, and late payments/CO status reported from XX/XX/XXXX, XXXX Current date is not accurate. This specific account has been removed from XXXX, while XXXX, and Equifax have a reputation of disrespecting my character and ability to extend my consumer credit. Meanwhile, these credit reporting agencies have received the same information shown in the Exhibits section of the Credit Validation Letter from XXXX XXXX. XXXX XXXX sent a Credit Validation Letter on XXXX XXXX as a result of the investigation along with the original contract/ Original Receipt, and the total amount due shown : {$0.00}. Also, the Original Receipt of the transaction shows a balance of {$0.00} as well. Pertaining to the diminishing comment of a Charged off yet a 1099a, 1099c, nor 1099OID has not been provided by the company ( XXXX XXXX ) nor the reporting agency themselves as evidence that would support this claim. One can imagine the immense mental anguish that this has caused to my livelihood and reputation to obtain and extend my personal credit due to negligence. I am led to believe that the consumer reporting agency would rather destroy my reputation and determined to consistently violate my rights in such a way that is unfathomable. In addition, on XX/XX/XXXX XXXX updated this account as " Closed '' when it had been closed since XX/XX/XXXX, causing a XXXX point decrease to date. 

USPS Certified Tracking # 's : XXXX XXXX : XXXX, XXXX : XXXX, Equifax : XXXX 15 U.S.C 1681 ( 2 ) ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; as to the XXXX negative remarks/late payments listed within the payment history from XXXX XXXXCurrent Date resulting in XXXX ( XXXX ) qualifying violations. 

-15 U.S.C 1681 section 602 A Section 1 : States I Have A Right to Privacy -15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written permission -FCRA 623 ad FDCPA 806 ( b ) state that the creditor MUST enter a notice of dispute. If this is not entered, the account can not report on the credit report.

-15 U.S.C 1681e ( b ) - Compliance Procedures ( b ) ACCURACY OF REPORT -15 USC 1681 sec 611 ( A ) -Also the Credit reporting agency took more than 30 days to complete my investigation here is my Certified Mail Tracking # : XXXX XXXX XXXX XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

These accounts & inquiries are incorrect since i do not recognize them, please investigate them and delete them : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I didnt receive the promotional interest rate. Called multiple times. Received a letter to verify that I would get the promotion. Barclays keeps denying the request. 
Should have been a 0 % interest rate on purchase from XX/XX/XXXX - XX/XX/XXXX. 

See attached document for flyer and letter stating they will make corrections. 

Complaint # XXXX
Product: Credit reporting or other personal consumer reports

I have an account with CREDIT ACCEPTANCE CORP with the account number # XXXX. This account is fraudulent and is currently showing up on my credit report. I have already attempted to contact the company, but have received no response. Please investigate this matter.
Product: Debt collection

Company : Southern Management Sy Date : XX/XX/year> Amount stated owed : {$2400.00} I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts frommy report, they are hurting my ability to obtain credit.
Product: Debt collection

Please check attachments below and place and extended fraud alert on my credit report. I also sent a letter via certified mail which I will attach proof below. Please notify me once your office has received my letter.
Product: Credit reporting or other personal consumer reports

Incorrect account information on Experian. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Incorrect personal information on XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

A delinquent trade-line from the company XXXX XXXX XXXX for {$3100.00} still appears on my Equifax credit report despite the fact this account is not mine, the other credit bureaus have removed the account, I have disputed it, and no proof has been sent to me that this account even exist. I am not sure why Equifax would let this happen as I have contacted them multiple times telling them this. They won't let me dispute this item online for some reason. Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED MY CONSUMER REPORT AND FOUND MANY INACCURACIES AND I WANT YOU TO DELETE THEM OFF MY CONSUMER REPORT IMMEDIATELY, LISTED BELOW ARE THE INACCURATE ACCOUNTS. 

XXXX XXXX BALANCE XXXX $ STATUS CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ) XXXX XXXX BANK XXXX XXXX $ XXXX CLOSED, ACCT # ( INACCURATE ) XXXX, LAST PAYMENT ( XX/XX/XXXX ) ( INACCURATE ) ( XX/XX/XXXX ) OPEN DATE, LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 


XXXX XXXX XXXX BALANCE XXXX $ STATUS CLOSED ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( INACCURATE ) ( XX/XX/XXXX ) ( EQUIFAX ).
Product: Credit reporting or other personal consumer reports

I have been disputing multiple accounts that were a result of identity Theft and unauthorized charges and accounts opened without my knowledge. I provided proof of my incarceration at the time these accounts were opened. They seem to overlook this documentation of proof and continue to keep these fraudulent accounts on my credit report. Which is causing my credit report score to remain in the " poor " status, ultimately this is affecting my life and moving forward, due to the fact I can't get any credit! I have ask these companies multiple times to please remove! The account and any negative actions that are associated with these accounts. THE ILLEGAL SECTION OF THIS ENTIRE COMPLAINT IS THAT XXXX OF THESE ACCOUNTS HAVE DUPLICATES OF THERE ACCOUNTS MAKING IT APPEAR THAT THERE ARE MORE NEGATIVE ACCOUNTS THATLN THERE ACTUALLY IS ON MY CREDIT REPORT. THIS CANT BE LEGAL! So I am fighting for my rights against fraud from consumers commiting fraud reporting the same account twice by adding XXXX or XXXX dollars to the balance. Or either the original fraudulent account is listed and also who they have sold the account to such as National credit adjusters, they both are reporting negative activity! All of which DO NIT BELONG TO ME These companies of subject matter are the following, Capital One XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inaccurate personal information is being reported by the credit reporting agencies and violating my rights in accordance with the Fair Credit act : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dept of VA Department of VA XXXX VA
Product: Debt collection

I despise this! I've already spent months sending disputes and filing complaints with no results. This is really bothering me and causing me stress.
Product: Mortgage

To whom it may concern, Please help me keep my home, I called my bank ( Bayview Loan Servicing ) asking help to modify my mortgage payment. After almost 4 months of waiting now my bank keeps telling me to wait because the investor of my loan is out on vacation.
Now that the investor came back from vacation, Bayview Loan Servicing is telling me that my modification is denied because it is not on the best interest of my investor to help me keep my home.
I asked what does that mean and they told me that they do n't want to help me modify because it is not on their best interest to help me.
Please please I am very concerned that now Bayview Loan Servicing is going to try to take advantage and take our home away. my interest rate is very high and adjustable which it seems like that 's why Bayview Loan Servicing it doing everything to deny my application.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided. I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

( XXXX ) XXXX XXXX XX/XX/2025 Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian Reporting Agency , I am writing to dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for it's failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These valid concerns highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my disputes have been, and will continue to be mishandled in a similar manner. I have never even been approved for {$20000.00} in all my life put together. Even prior to the data Breach, my Information had been compromised. I have never received anything in response to a hard pull. And I have no recollection of me giving permission for anyone to run my name that many times. And I've never been approved for a vehicle or line of credit in response to an inquiry, so it shouldn't be on there. There is no account linked to either inquiry. This is not even all of the altered ways I have seen my name spelled on a report. For you ppl to see that and not properly address it is like treason to the Human Race. So with all this including the recent Data Breach, I cite Section 605b Please review all Inaccurate Information being reported.
Product: Payday loan, title loan, or personal loan

I have had an account with Citi bank since XX/XX/2019 and every single time I have called to make a payment there has been a problem. Ive had them charge my card twice for one payment and had to jump through hoops to get one returned. Then because they returned my payment they put a hold on my bank account. So when I went to make a payment the next month they werent able to use my account on hand as they have always done. When I finally got that sorted out and found a card I could use their system went down. We called back several times and their system continued to be down. We told them it would be a week or so before we could call again because I was in XXXX XXXX. They told us this was fine and their wouldnt be any fees and to call when we could since this was their systems problem. Not only did they call constantly while I was in the hospital XXXX XXXX XXXX but now that they payment has been made and my fee was supposedly taken care of my payment minimum has went up because we paid late. Which was clearly told to us that it wouldnt be an issue since we had been trying to pay when it was due. Their automated phone system has kicked me off several times and never accepts my social but when I speak to a person its always accepted. It just seems like they do anything possible to have you pay late so they can charge you extra. Even when they waive a fee theres always some problem following it, like putting a hold on my account or making my payments go up. It just seems really shady to me. Ive never in my life had so much trouble with any company.
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 XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2300.00}
Product: Credit reporting or other personal consumer reports

This company, XXXX XXXX XXXX XXXX XXXX is furnishing inaccurate, unverifiable account information to the credit bureaus and is doing so without having first contacted me regarding the account being reported as having XXXX as the original creditor for the dollar amount of {$370.00}. In a recent report to the CFPB, XXXX XXXX XXXX stated that the account in question is for a debt owed allegedly owed to XXXX XXXX in the amount of {$220.00} ( See attachment ). XXXX XXXX XXXX also went on to state that I informed them that I did not wish to be contacted regarding the debt reported as originally belonging to XXXX, which is false ( See attachment ). I have never had any contact nor communication with XXXX XXXX XXXX  outside of my formal complaints to the CFPB and each of the three major credit reporting bureaus XXXX, TransUnion and XXXX. Direct communication with XXXX XXXX XXXX has never happened. I want to see proof that I was ever contacted by XXXX XXXXXXXX XXXX via Certified Mail or a recorded phone call regarding any of these debts prior to them being reported to the credit bureaus. If this is not possible, these debts should not be allowed to be a part of my credit file, because that is a direct violation of federal consumer protection laws and the bureaus have a statutory obligation to protect consumers from unlawful debt collection tactics and dirty tricks such as this, deployed by XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and/or XXXX, in an effort to collect on any debt, whether or not the alleged debt is valid. My complaint was originally based upon the fact that XXXX XXXX XXXX was illegally reporting this debt to the credit bureaus without first having made any attempts to inform me about its existence. It's impossible for XXXX to collect a debt on behalf of XXXX and vice versa, as these are two entirely different entities and it can not be verified which debts, accounts, or amounts are accurate due to the multiple inaccuracies and inconsistencies provided by XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of any debts that I am responsible for with neither XXXX, XXXX XXXX, nor XXXX  and respectfully demand that the following accounts be deleted from my credit reports immediately on the basis that they are invalid, do not belong to me and are being inaccurately reported : XXXX XXXX acct XXXX # XXXX ( {$190.00} ) XXXX XXXX acct. # XXXX ( {$3200.00} ) XXXX XXXXXXXX XXXX acct. # XXXX ( {$370.00} ) XXXX acct. # XXXX ( {$610.00} ) XXXX XXXX acct. # XXXX ( {$220.00} ) None of these accounts make any sense and are so inaccurate that any attempts at updating or correcting them would only cause further undue harm to my credit score on the basis of trying to make sense of jumbled and mismanaged account data being furnished by XXXX and/or XXXX to XXXX XXXXXXXX XXXX XXXXXXXX At this point , it is clear that XXXX XXXX XXXX XXXX and XXXX and XXXX are attempting to collect a debt that either does not exist or actually belongs to a different person, because I owe no such debts and have never had any such accounts with any of these creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 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 of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 is inaccurate.
Product: Debt collection

I returned a cable box and router to XXXX XXXX XXXX XXXX and they sent my balance to collections anyway when they said they would n't.
Product: Mortgage

Bank of America provided me with an Estimated Loan and Closing Disclosure that was extremely inaccurate and may cause me to lose the purchase of a property. They did not notify me until just hours before my scheduled closing to inform me of the error and it was only after I had made several calls and sent a few email messages for an update. The bank did not provide the correct initial tax escrow amount when advising me of my estimated closing costs which left me several thousand dollars short of being able to close. The poor responsiveness and lack of consideration I 've received from the bank mortgage broker and his manager since this happened is very disappointing. They are well aware of their error and have yet to take responsibility and offer a reasonable resolution. The only offer I have verbally received from the bank is to come up with approximately 40 % more cash to close.
Product: Mortgage

hi my name is XXXX XXXX I 'm running about Td Bank I 've been having a lot of problems with them then I willing to work with me in any way to try to settle the amount however they want me to pay them and I have n't received the bank statements nothing that would help me to see how much I have paid for what I 'm being charged they can be adding anything they want it really stinks because I reached out to their lawyers they were more helpful in the bank every time I call the customer service to telling me that they can help me that I have to call a separate number I call the number I ca n't even get ahold of anybody it 's always the same thing have to call during certain times is very frustrating. I need help why ca n't get amount as to what the are charging me. Thank you
Product: Credit card or prepaid card

I was at Steinmart on XX/XX/19, purchasing clothes that totaled {$550.00} - I was told that if I got a Synchrony Bank credit card I would receive a 15 % discount. When I received my bill in the mail, it was for the original {$550.00}. I have been trying to resolve this issue for some time now with no luck. I have a copy of my receipt and everytime I call the number i was given ( XXXX ) it says their mailbox is full.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX PayPal permanently limited my account and told me that I had to wait 180 days to withdraw the funds that were in my account, so I did. After I received no email saying that I can withdraw the funds, I gave them a call and they told me that my funds were on hold until further notice due to me trying to receive my unemployment benefits from a state that I had worked in but didnt live in. They also told me that they were waiting to make sure that no charge backs or reversals happen. Well its been a full year that I have been waiting for my funds to be released to me. I am struggling financially and would really love it if I can finally receive my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is the same for all Americans. The 3 credit reporting service track high utilizations of consumer credit cards. Well all members users of these credit reporting service are having the credit scores drop by 30 points for using and paying credit on a timely basis. For example I order a part for my car back in XX/XX/XXXX the part was {$250.00} plus tax. XXXX would allow me to use a debit card so I had to use my credit card from XXXX XXXX. That same week I paid the balance in full for the part I ordered to my credit card balance. But the reporting of XXXX, Equifax and XXXX is still reporting that I have a balance of {$200.00} dollars on my XXXX XXXX credit card and it has been paid in full since XX/XX/XXXX.