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

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX Account # XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account XXXXXXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account XXXX I looked at my Experian credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account 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
Product: Debt collection

Diaz & Associates sent me a collection letter for debt that is not mine. I have no outstanding debt, besides student loans. I googled this company and there many others who received similar letters for debt that is not theirs. This company is attempting to scam hundreds or perhaps thousands of people.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft from XXXX XXXX XXXX. MY CLAIM NUMBER IS - XXXX. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. 

My request to DELETE PERMANENTLY THE FRAUDULENT ITEMS FROM MY CREDIT REPORT is not being made in error ; nor is it being made on the basis of a material misrepresentation of fact by me relevant to the request to delete the identified transactions. The identified transactions are not information related to any transaction by me as the consumer they are : THESE ADDRESS ARE NOT MINES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A copy of my disputes, the ADDRESSES AND FRAUDULENT ITEMS ARE screen shoted so theres no confusion about the accounts, addresses & companies that I am disputing. 

I HAVE BEEN TRYING TO DELETE THIS ADDRESS AND YOU ALL WONT LET ME DUE TO THEM BEING CONNECTED TO FRAUDULENT ACCOUNTS THAT WAS OPENED. XXXX  MAKE SURE THAT MY CREDIT REPORT IS NOT XXXXFROZEN OR LOCKED- NOR HAVE A FRAUD ALERT ON XXXX PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. 

I DONT WORK AT EMPLOYER- XXXX XXXX XXXX XXXX XXXX XXXX I WORK AT XXXX XXXX MAKE SURE THAT MY CREDIT REPORT IS NOT **FROZEN OR LOCKED- NOR HAVE A FRAUD ALERT ON ITXXXX I By law, Part of my Compensation approves, Four years of specially negotiated, three-bureau credit monitoring and identity protection services through XXXX and an additional six years of one-bureau credit monitoring and identity protection services through XXXX. The XXXX monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( App. 6, 33-43 ). The one-bureau credit monitoring shall be provided separately by XXXX and not paid for from the settlement. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.
Product: Mortgage

On XX/XX/24 to Rocket Mortgage in the amount of {$3700.00}. I missed XXXX payment and they sent me a statement towards the end of XXXX requesting both XXXX and XXXX payment. I thought it was a fair enough request so I obliged and sent in the payment for both months in the amount of {$3700.00}. I just received a statement from Rocket Mortgage that I am two months behind and I owe them for both XXXX and XXXX payment. I contacted Rocket Mortgage on XX/XX/24 and a representative states that the excess money sent was applied to the principle and not XXXX statement and there was nothing that could me done. I then demanded to speak to someone else in authority and I was forwarded to a voicemail to whom I know I will never get a call back from. Im not sure where Rocket Mortgage thinks I am going to find this extra money to pay them when I had already sent in the total due at the time and now they are looking for more money like its so way to come up with in this economy and feel that they should not be held accountable for their mistakes. I feel as though this is a criminal act that was committed against me. Please assist I have a good track records of payments. Thank you. FYI, my monthly mortgage payments are {$1800.00} per month.
Product: Debt collection

I received a letter in the mail after moving from XXXX, XXXX to XXXX, XXXX. It was dated XXXX, XXXX, XXXX. I did not receive the letter until after the New Year. 

After I opened the letter I needed more information. It stated that I owed, {$2300.00}. 
At this time I began researching what I could do as I couldn't trust that I somehow owed a company, $ XXXXThere was nothing on my credit report file on this debt and it stated that, " Your account with Advance Financial is severely delinquent '' On XX/XX/XXXX I sent a debt verification letter through certified mail and it was delivered to the address : Advance FinanciaXXXX Customer Retention, XXXX XXXX XXXX XXXX, TN XXXX on XX/XX/XXXX. I received no verification response from the company via mail or other form of communication. 

I then called the company phone number, XXXX, on XX/XX/XXXX. They had all my personal information on file including my social security number. I then request them to remove the debt from my social security number because they did not respond to my debt verification letter within the legal timeframe of 30 days. I stated that they did not meet the debt verification laws and they must remove the debt from my name. They refused to remove the debt, asked me to email them documentation and I completed their request on XX/XX/XXXX immediately after the phone call. 

I emailed them copies of the USPS stamped certified mail receipt, the verification letter that was sent, the tracking number of the mail that was sent, and I did not get a response. It is now almost to the end of XXXX and they refuse to remove the debt as they are legally responsible to do.
Product: Debt collection

Was initially contacted on XX/XX/2018 by XXXX XXXX at Sequoia financial services, XXXX, extension XXXX. Said I owed a medical debt to XXXX XXXX, but still to this day, after requesting on XX/XX/XXXX, have not received any written notification of the specifics of this debt. In my conversation with XXXX XXXX, I stated that XXXX XXXX had still not reimbursed me for money due back for a payment I made to them over A year ago that was not due. XXXX XXXX   repeatedly told me they would reimburse this, but never did. I have been waiting and trying to contact them repeatedly, for them to refund this. I told XXXX XXXX I would be researching this as the amount that he stated was due was in dispute due to the fact that XXXX XXXX still had never refunded my money. He continues to call, but I have still not received anything in writing from this company. He continues to call, but I have still not received anything in writing from this company.
Product: Debt collection

Americollect fails to show me what i owe them or my medical provider for. I have asked for proof of debts and have only been told the balance of the current account and that it came from a medical provider, upon checking my credit score it shows 3 accounts from americollect in collections. All are above 350 dollars per account. When I check americollects online sight I do not see these same XXXX collections on my report but a plethira of small collections accounts I supposedly owe to them. I am not sure which accounts are true to me actually owing them, especially since the credit report and there account site dont match.
Product: Checking or savings account

On XX/XX/XXXX, after discussions with a independent financial advisor, and in pre-planning for retirement in XX/XX/XXXX, I initiated a transfer from XXXX 's ( XXXX ) Company Stock into a XXXX XXXX XXXX XXXX. There were XXXX Shares of Stock to transfer. According to my 401K plan documents, " Before XXXX Eastern-Your transfer will be initiated at today 's closing price ( for all funds EXCEPT THE COMPANY STOCK FUND ) and should settle into your account by XXXX XXXX the following business day. The company stock fund will use an average trade price for all trades placed today and will include trade prices from the following morning if you are transferring funds from a mutual fund to the stock fund. '' The average stock price for the day was {$72.00} ( Pulled from XXXX XXXX using a query and five minute interval data ). However, Wells Fargo chose the {$72.00} as the average trade price amount. ( The minimum price for the entire day, according to XXXX was {$72.00} ) After deducting the stated transaction fee of XXXX per share ( {$730.00} ), and the SEC Fee Section 31 of 57.83. for a total of {$790.00}, this  leaves a discrepancy of {$10000.00}. 

I placed repeated calls, most of which I have documented to Wells Fargo in an attempt to get an explanation of the difference, to no avail. In fact I was stunned at how little the folks on the phone actually knew about the process. ( Which has since been confirmed with another unrelated issue ) They were quite shocked that I had been able to pull the financial data from XXXX and the only attempt at an explanation I received was when they stated " the price comes from selling stock within the 401k plan '' but then they were unable to provide documentation of the transaction as it occurred within the plan, despite repeated attempts. I have since that date retired, ( XX/XX/XXXX ) and until recently did not know that CFPB could assist in manners such as this, which is why I have not submitted my complaint until now.
Product: Checking or savings account

XX/XX/XXXX, {$25.00} service fee XX/XX/XXXX, {$25.00} service fee The customer service representative also mentioned to me that there are service fee charges for XX/XX/XXXX. When I opened this account, no one from PNC told me that I had to maintain a statement balance over {$5000.00}, and otherwise, I would be charged for a service fee. When I called PNC today to dispute the service fee charges, it was the first time that they informed me about the benefits associated with this account and the balance requirement. I have never used any of those benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit card accounts and child support account listed on my Equifax credit report is fraudulent, unauthorized, not my accounts and dont belong to me : XXXX XXXX XXXX, {$2000.00}, XXXX XXXX XXXX, {$22000.00}, XXXX XXXX XXXX XXXX, {$8600.00}, XXXX XXXX XXXX XXXX, {$950.00} and the XXXX XXXX XXXX, {$370.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Regions Bank does not report credit information accurately to all credit reporting agengies. Why doesn't Regions have a duty to report TRUTH IN LENDING CREDIT REPORTING? REGIONS FAILS TO REPORT see attatched 1 ) Regions Account ( XXXX ) {$50000.00} PAID AS AGREED XXXX BALANCE CLOSED XX/XX/2013. and 2 ) Account ( XXXX ) Limit {$15.00}, XXXX PAID AS AGREED XXXX BALANCE * NO CLOSING DATE? 
Why???
Product: Debt collection

Ive attempted to contact creditacpt several times beginning XXXX XXXX XXXX XXXX and XXXX XXXX. The amount is {$13000.00}. Ive asked them to provided a copy of the signed documents and proof of contract. Company has not provided any of the information. This reflecting on third party credit bureaus and is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted XXXX XXXX regarding the re-appearance of an old account that was deleted. First of all the removal was for an error account that was not mine. Second of all this reporting was deleted due to inaccuracy issue and reappeared again. XXXX XXXX  stated that I need to contact the credit bureau EXPERIAN regarding this reporting ERROR. 
I did NOT receive any writing documentation from the creditor XXXX or the credit bureau as a statement within 5 business days from this false information was reported by error based on the 15 U.S. Code 1681i - Procedure in case of disputed accuracy -- The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed or never existed from a consumer 's credit report. 
XXXX failed to provide any documentation based on the U.S. Code stated above.

CREDITOR HAS NOT MET ITS OBLIGATIONS UNDER FCRA 15 U.S.C. 1681S-2 AND THE ASSOCIATED REGULATIONS KNOWN AS THE " FURNISHER RULE '' AT 16 C.F.R. 660 CODE.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Credit card or prepaid card

Unwilling to close account because of " verification '' processes. Claimed to send email, but never received. Upgrade has been uncooperative since day 1 of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXI filed a dispute with all 3 Credit Bureaus about a Fraudalent Account on my credit report with XXXX XXXX XXXX with a {$610.00} Negative Balance. Two of the Credit Reporting Agencies removed the account and one did not. However all 3 of them removed a Positive and good Credit account that my wife and I have with XXXX XXXX with a {$2500.00} balance, a card opened in XX/XX/XXXX. This has drastically affected my score and it 's hindering me from refinancing a 4.5 acre 4500 sq ft building that I own and trying to refinance. They all refuse to put the account back on my credit report and all told me to contact XXXX XXXX. I did contact XXXX XXXX and they said all 3 of the bureaus should stand up to their mistake and put the account back on my credit. The account number is : XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened up a citi bank account on XX/XX/XXXX to receive my job direct deposit it on XX/XX/XXXX my direct deposit from my job was sent over on XX/XX/XXXX it cleared as soon as it cleared citi bank closed my account with no explanation to why or how I will get my money back Ive called 63x since XX/XX/XXXX and theyre holding my money my job tried to a reverse ach and they rejected it without any explanation i need help getting my money back please. They not answering any question and keep saying for a check in mail within 60-90 days thats a long time
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX points was deducted on XX/XX/2023. According to Nelnet, they have updated records which shows that I am up-to-date. However, the credit report still removed XXXX points which needs to be corrected because its not accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint to block information identified as identity theft and there is information that is still not blocked. I filed the complaint with Experian, and XXXX on XX/XX/2022, and with XXXX XX/XX/2022. The complaint numbers are : XXXX, XXXX, XXXX. The companies have removed some information but there is still information as a result of identity theft on my report. DO NOT FILE A DISPUTE ON MY BEHALF. As this is not a request to dispute, this is a request to block information on my consumer report. 

I have called countless times to resolve this matter and only small success. The companies do not have my consent to report anything on my consumer report. I will attach the original FTC report and documentation.
Product: Debt collection

I am a 100 % XXXX XXXXt. Since I live more than XXXX miles from my primary care doctor, I am also part of the XXXX XXXX program. In XXXX. XXXX, I went to the XXXX clinic about XXXX miles from my home. Since I was having a serious medical condition, the XXXX sent me by ambulance to a non XXXX hospital. I was admitted and my condition improved and I was released 6 days later. My XXXX rate ( XXXX XXXX ) stabilized on the afternoon of the XXXX day. The XXXX XXXX XXXX was deferred to a later date. 
The hospital is billing me for co-pays and amounts they say were not paid by the XXXX. I have been informed that the hospitals have to accept what the XXXX pays and the XXXX can not be billed for the deductibles and copays. 
The hospital has turned the medical bills over to a collection agency. I have tried to explain to them and the hospital that I am a XXXX XXXX and I am not responsible for the charges.. 
Also that I can not be sued or garnished because my only income is XXXX XXXXy XXXX and XXXX XXXX and it is exempt. I have also explained this to XXXX, XXXX and XXXX. All of them are and will be reporting the debt on my reports. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2019, I logged in and made our XX/XX/2019 car payment to BMW Financial Services. This payment cleared and was taken out of my XXXX bank account on XX/XX/2019. However, BMWFS did not credit the payment to our account until XX/XX/2019. This resulted in a 30 day late payment appearing on my credit report. I notified BMWFS about this error and they stated they would not correct the credit report. 

I have attached a copy of my XXXX bank statement as evidence that the XX/XX/2019 payment cleared my bank account on XX/XX/2019. Therefore, the payment would have been made prior to XX/XX/2019, not after ( as they are claiming ) My account number is XXXX.
Product: Debt collection

Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I want this account permanently removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, an Auto dealership ran our credit to finance a new wehicle, I asked the dealership not to run our credit more than once, and only to a bank we have done business with for many years. But instead they ran it through XXXX different banks, My husband and I have been married almost 30 years and have excellent long term credit and have only lived in 2 locations. Anyway, we received 4 letters from different banks denying our credit, but one of them stood out because it has an agency listed on it we have never heard of, SageStream , LLC, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. They stated no score for my husband and one over 200 points lower than my actual score and stated, 1. limited history for consumer at address or phone ( present add. 11 1/2 yrs, same ph. # for same. 
2.limited credit history 3. Proportion of satisfactory trades too low??? 
THERE NEEDS TO BE ONLY ONE CREDIT REPORTING AGENCY
Product: Debt collection

AR RESOURCES INC HAS AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.
Product: Mortgage

i refinanced my house with XXXX XXXX. since then XXXX XXXX  transferred my loan to PHH Mortgage. Since the loan has been transferred i have paid the loan online via their website for the first 2 months ( 60 days ) went to pay on XXXX and i was locked out of the online payment section. website stated i need to contact a customer service rep. i did this and a " Note Amendment '' was required to sign from myself in order to continue to pay online. On XXXX i finally get the " Note Amendment '' and now there is a {$19.00} charger per payment to use their website to make a payment.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I received a letter from XXXX XXXX  stating that the credit reporting agencies must delete the Late payment dated XX/XX/year> and XXXX.
Product: Credit reporting or other personal consumer reports

Account number XXXX XXXX XXXX has reported me late 5 times. Witch I dusputed the late payments on my XXXX  report. Now on my XXXX report it says I was late 2 times and they not the same months as XXXX report also trans union is reporting different months also