23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This month I checked my credit reports and found an opened dispute from First Fed Credit Control from XX/XX/XXXX for {$90.00} as well XX/XX/XXXX for {$56.00}. I was never notified from the original creditor : XXXX XXXX XXXX about this owed debt. I did not receive a call or any mail to notify me of this debt. I also did not receive or hear anything from First Fed Credit Control. Therefore, I have had these derogatory marks on my credit report without ANY proper notification. I have still gone to the same XXXX XXXX   XXXX to get treatment beyond these open collection dates, and was not told that I have an outstanding balance. It is to my belief that I do not owe any debts for the amounts listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : EQUIFAX RESPONSE OF CLAIM XXXX EQUIFAX RESPONSE : The identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number. Listed below are examples of documents that may be provided as verification of your identification and current address : Pay stub or W2 with complete U.S. social security number, valid social security card, Driver 's license, rental/lease agreement/house deed, mortgage or bank statement, utility bill for gas, cable or residential telephone bill. Please return this letter along with the requested information to Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX. 

ORIGINAL COMPLAINT XXXX : Equifax and XXXX refuse to remove these fraudulent, inaccurate, and unauthorized inquires from my credit report. I have never submitted an application for credit and these two bureaus refuse to remove the inquiries these inquiries are ruining my credit health. I have submitted several 609 letters requesting this inaccurate information be removed. In addition to the correction of my personal information being reported inaccurately on these two bureaus respective reports. It is my goal to have these unauthorized, inaccurate and fraudulent inquiries and information removed from my credit report under the articles of the FCRA.
Product: Mortgage

Wells Fargo bought my loan from XXXX XXXX XXXXXXXX and unlawfully released a payment to better mortgage that was not permitted by me XXXXXXXX XXXX has waived any loan transfer fee in written communication and Wells Fargo took it on itself to release my mortgage payment to better and thereby defaulting my payment. 

On calling several times and asking to speak with escalations team I have been unsuccessful and hence need legal intervention.They have hung up on me and the escalation manager never returned my calls over a week now
Product: Credit reporting, credit repair services, or other personal consumer reports

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 a account without my written instructions I have not given anyone permission to buy, sell, share my personal credit information with anyone. I want these account deleted immediately. My right to privacy is being violated and the law has been provided to you. 
Only my credit card was agreed to and my bill payment with XXXX XXXX
Product: Credit card or prepaid card

I mailed out my payment to Discover on the XXXX and no later than the XXXX of each month. 
I know it does not take 6 TO 7 days to receive the payment. Even if the payment goes to XXXX XXXX XXXX Utah, which is where Discover is located. They purposely wait 16 days to clear my card. I had this same problem last month. So I am re-reporting Discover for continuing with the same lousy payment problem I have had in the past with Discover Card. They don't take the payment until 16 days after it is received. Two months ago I was charged {$35.00} because Discover Card did not take the ACH Payment on the XXXX as I told them to do so. Today I was embarrassed at XXXX XXXX when I could not pay for a battery for my wife 's battery operated door opener. ONY DISCOVER DOES THIS!!

TAKING 16 DAYS TO CLEAR MY CARD. NO OTHER CARD EVEN THE BANK 'S ATM CARD DOES NOT HOLD UP PAYMENTS FOR 16 LONG DAYS. IT LOOKS LIKE THEY JUST DON'T GIVE A XXXX HOW RUDE THEY TREAT THEIR CUSTOMERWS.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit report Act ( FCRA ) to conduct a reasonable re-investigation of dispute information credit report leaving inaccurate or unverifiable accounts unresolved the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian alleging, systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian as neither correct not removed dispute items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians in action violates federal law in my rights as a consumer.
Product: Debt collection

I was contacted through email by someone named XXXX XXXX stating that I was facing four criminal allegations against my name and my social security number. The guy said I was going to be prosecuted within a couple hours in court. Also that they wanted to come to an agreement on a payment plan for a payday loan. I believe the balance was in the area of 300 when I received the loan, but this guy is saying I have a remaining balance of {$1100.00}. And that if Im found guilty then Id have to pay the court fees and lawyer fees and the balance would be {$4400.00}. He also stated that if I was under any probation or payroll that they would need to report it to my manager or superior. He also stated that he was going to file my case with the local police department along with there investigation officer, and that they will be coming to my door step or to my workplace to arrest me and keep me in custody for the next 2-3 months for fraud. So i responded saying I wanted to resolve my debt, and I let him know how much I could do each month till the debt is paid, but then he demanded {$350.00} dollars on the spot to keep it out of court, if not they were going to proceed. So I let him know I couldnt do it that day but could do it the next week. So he agreed and said my first installment would be on the XX/XX/XXXX. Today, I receive another email from him stating that he still hasnt received any payment from me nor an answer. So that if I didnt pay the full amount within 45 minutes, he was going to pursue court action against me. I responded and reminded him that we had just agreed to something yesterday now hes threatening me again. And I reminded him Im trying to repay my debt, and that it was illegal for him to threaten with jail or a bench warrant. And I also stated that maybe bankruptcy was my best option. So he responded again with the same message as the day before that my first installment would be on the XX/XX/XXXX. And I responded with Im going to look into a lawyer. So then he threatens again that if I cant pay within 3 hours that he was going to pursue the court action. He also stated that this was the courts decision so I needed to obey it and if not I would be taken for legal and other requirement procedures for XXXX.

He also mentioned again that he would be generating a court date for me and again the local police department along with there AGO investigation officer would be showing up to my doorstep or work place and Id be jailed for four months. He also stated that the loan was provided against my paychecks so that his client Ace Cash Express has all the right and authority to inform my job about this case. So I asked him for the evidence which would be the loan documents to see if that was the remaining balance, and he responded with all the information is in court so hes not mentioned in the affidavit and are under cover and have yet to be mentioned until the case is executed. And then he asked me if I remembered taking out a loan with this company and did not bother paying back. And I responded with Im asking for the loan documents to see if this balance is true because I believe hes lying about it.
Product: Mortgage

So, my account was sold to another company, and Ditech Financial stated they mailed me a check for the overage on my escrow when sent me my end of year Financial Escrow Account Disclosure Statement, which was well after XXXX when I received it. I called them shortly after I received the statement in early XX/XX/2019 to find out where my check was and after waiting fifty nine minutes and thirty-six seconds I was finally able to speak to someone. She took my information and said she would send me out another check. Well, it now XX/XX/XXXX, and I still do not have a check ; however, what I do have is yet another Financial Escrow Account Disclosure Statement dated XX/XX/2019, stating a check was sent. I still do not have my overage check in the amount of {$140.00} that I have supposedly been sent twice now. I
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : XXXX XXXX XXXX Account : XXXX Amount : {$240.00} The collection agency has not provided proper validation of the debt. Equifax and XXXX  merely sent me printouts of the debt amount as reported by XXXX but never addressed the issue if insufficient credit validation, how the debt collector came up with the amount. The debt collector sent me mere copies of computer print outs and print outs of old statements that show different amounts, amounts much lower than what they reported I owe. I believe Ive paid all the bills I owe to the original creditor. 

How can two old statements with differing amounts with different dates from the reported first delinquency be taken as validations? Mere computer print outs nor old statement print outs are not sufficient validation. Im bringing this to your attention in the hopes we can avoid expensive litigation. I will, however, fight for my rights if need be.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a complaint against Experian, Equifax, and TransUnion for failing to properly verify and/or delete inaccurate accounts on my credit report. 

On XX/XX/year>2025, I sent formal dispute letters to all three credit bureaus, requesting verification of multiple accounts under FCRA 609 ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ). I specifically asked for original signed contracts proving I agreed to these debts. However, the bureaus failed to provide proper verification or remove the accounts within the required 30-day timeframe.

Their failure to comply with the FCRA is negatively impacting my credit and financial opportunities. I am requesting the CFPB to investigate and ensure these inaccurate accounts are properly verified or permanently deleted as required by law. 

Please let me know the next steps regarding this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

In reference to case # XXXX The information attached, shows that Selene Finance made false statements to the CFPB on page XXXX of their reply labeled XXXX. " At the time of the servicing transfer, the loan was due for the XX/XX/XXXX through XX/XX/XXXX contractual installments and had an unpaid principal balance of XXXX " They also show that Selene falsified information during our refinance XX/XX/XXXX refinance.
Product: Credit card

I am writing to address my concerns regarding my recent purchase of a bed from XXXX XXXX  using my Apple Card. On XX/XX/XXXX, I placed an order for a bed with the order number # XXXX. In order to have the option to return the bed if I was not satisfied, I opted to purchase additional items, bringing my total to {$1800.00}. 

However, upon receiving the bed, I was extremely disappointed to find that it did not match the description provided. Specifically, it was advertised as a cooling bed, which was not the case. I promptly contacted XXXX XXXX and Apple Card to discuss the issue and was informed that I could return the bed. However, I was also informed that XXXX XXXX does not arrange for pick-up and suggested that I donate the bed instead. 

On XX/XX/XXXX, XXXX XXXX offered me an alternative solution. They proposed that I could keep the mattress and only pay {$380.00}, with the understanding that I would donate it. In an effort to comply with this arrangement, I carefully packed the mattress back into its original box using rope and tape. 

However, when I informed XXXX XXXX about the steps I had taken, I was informed that I had violated your policy by not removing the bed from the box and therefore, I would not be able to return it. I strongly believe that this accusation is unfounded and a result of a misinterpretation of my communication. It seems that this may be a recurring issue, as I have come across similar complaints from other customers. 

Since XX/XX/XXXX, I have been in constant communication with Apple Card/Goldman Sachs regarding this matter. I have provided hard copies of documents to Goldman Sachs Apple Card through certified mail, and I have sent numerous text messages and emails to Goldman Sachs, expressing my concerns. Despite my efforts, the issue has repeatedly been put into dispute, only to be placed back on my credit card by Goldman Sachs. 

Throughout this process, I have not received a single phone call from Apple Cards Services company or any party involved, inquiring about the facts of the situation. I feel trapped in a deceptive game orchestrated by XXXX XXXX, and I am at a loss as to what steps to take next. It is particularly disheartening that Goldman Sachs Apple Card, who I have always regarded highly, has not been of any assistance in resolving this matter. Their lack of support and failure to stand by their customers is truly disappointing. 

I kindly request that you address this issue promptly and provide a resolution that is fair and satisfactory. I have always been diligent in ensuring that my credit cards do not accrue interest, and I would appreciate your cooperation in rectifying this situation. 

I look forward to your prompt response and a resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I applied for auto financing from XXXX of XXXX XXXX. I received my approval and I do see the Hard Inquiry on my credit reports. Unfortunately, I received a second Hard Inquiry from XXXX XXXX XXXX Via XXXX of XXXX XXXX. This looks to be a duplicate Hard Inquiry made by the same company under another ( though similar ) business name. I do not know why or who issued it. This is a duplicate hard inquiry and damaging to my credit. I also received a third Hard Inquiry from XXXX XXXX XXXX. That is a total of three hard inquiries for a single auto loan from a single dealership. On XX/XX/XXXX, I received more Hard inquires from XXXX XXXX XXXX via XXXX XXXX XXXX on my XXXX credit report. On XX/XX/XXXX, I received additional HARD inquiries from XXXX of XXXX XXXX. Again, I do not recognize XXXX XXXX XXXX via XXXX of XXXX XXXX. By mail, I have disputed duplicate and redundant hard inquires with all three credit bureaus.
Product: Checking or savings account

I opened my account at the end of XX/XX/2019 because of a {$200.00} sign on promotion ( I have screenshots of the promotion ) and had to have a direct deposit of {$500.00} or more within 60 days of opening the account and I will receive {$200.00} in 90 days. 
On XX/XX/2019 I had a direct deposit of {$850.00}. 
On XX/XX/XXXX I called asking why I did not receive my bonus. They told me three different reasons that were not true so I argued, they said I was right and they made a mistake in their system and they submitted a ticket. After the days I called back and was told I'd get the money that day. The next day when I didt get it I called and was told I need to wait 3 more days to receive another call. They just keep telling me theres nothing they can do and it's been a week now.
Product: Debt collection

On XX/XX/XXXX and XX/XX/XXXX I sent a dispute to XXXX, XXXX and XXXX about XXXX autoloan account that were open as a result of identity theft. This account is XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, XXXX {$XXXX} ) Attached are the disputes I sent to the bureaus and the identity theft affidavit. XXXX, XXXX and XXXX didn't answer my dispute. 

Around XXXX XXXX I had lost my wallet which contained my ID and a little note that contained some of my passwords and my SSN number. I didn't lose my SSN card but my XXXX digit number was on the note that I had in my wallet. Sometime after, there were several transaction on my card such as food delivery and other expenses. About XXXX months later I found out my identity was used to purchase a car from XXXX after checking my credit karma account. When I spoke with XXXX, they said that a cosigner was attached to the account and the name was XXXX XXXX. I believe he was the person responsible for all this. I have reported this all to the police since then and I have been trying to let the bureaus know of this but no action has been taken.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, THANKS.
Product: Student loan

XX/XX/XXXX company was contacted for payoff XX/XX/XXXX company was paid off XX/XX/XXXX balance due and owing company refuses to accept payoff and will not provide full accounting of loan, insisting upon fees, interest payments or otherwise fees and will not accept payment issued by our bank in full. 

Predatory, fraudulent, unjust fees or interest that is propounded on a debt that has been paid in full
Product: Money transfer, virtual currency, or money service

XXXX dinero XXXX deposit en la XXXX XXXX, XXXX mi XXXX XXXX papoyerel, XXXX invirti una cantidad de ms de XXXX dlares en una moneda llamada Gyen donde no permitieron que XXXX retirara mi XXXX XXXX la XXXX XXXX todava tiene mis ganancias y dinero invertido ilegalmente. I have evidence of my earnings which they did not allow me to access and they did not allow me to make investments with my money illegally and without explaining the reasons for the retention of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently became aware of the Hard credit inquiries made to ( XXXX XXXX, XXXX, & XXXX ) upon my credit report : Inquiry Dated ( XX/XX/2020 by Capital One Bank USA ), for a credit card application. I Did Not make any such requests or submit any Signed applications to Capital One USA for credit cards or credit line increases. I am submitting this request in order to have this Inaccurate, False, Unfair, & Needlessly Damaging Information removed Please from my XXXX XXXX, XXXX, XXXX Credit Reports
Product: Credit reporting or other personal consumer reports

This is related to the false payment reporting on my credit report for XX/XX/year> I have already called previously and spoken to a customer agent a year ago to have the reporting of this late payment changed to paid on time and was told it would be updated to on paid on time. I distinctly remember speaking to a customer service agent overseas about the fact that that payment was supposed to able set on auto pay and I was unaware the system glitched and didnt allow the autopay to upload. 

I called about the reporting of this late payment and was told by a customer service agent overseas that this would behuldate to paid on time. It is not my fault if XXXX decides to hire people overseas for pay cuts who might not completely what I am saying but that is not the consumers fault! You cant expect to hire people with XXXX as a second language and then allow to make mistakes like these. I was recently denied an apartment and am now homeless due to the false reporting of this late payment! I will sue chase if this continues further. I either want this updated to pay on time as I have no other late payments or changed to no data for that month. But under no circumstances should you guys keep reporting this false information. There is absolutely no proof that this payment was deliberately paid late and it is the only one. This is completely ruining my life and causing major hardship. I should not be homeless while employed because my credit is getting demo. Update it asap or I will have to look into legal action.