23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2023 I filed an online payment with my mortgage company to be processed on XX/XX/2023. On XX/XX/2023 my account was debited for the mortgage amount via ACH. I contacted the mortgage company and they responded that I need to pay online, which I did and then stated I had paid over the phone, which I had not. This concerned me because at this point Im wondering if my account is compromised and maybe someone is stealing from me. They said they would get back to me but it has been over 24 hours and I have not heard back and I have to file a fraud report/wire fraud and alert my bank and this is causing undue hardship and financial stress. This cost me interest in my account as well as taking money before I am paid at work and against the dates I stated online. I am worried I am being stolen from and wondering when this will happen again.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I contacted Experian regarding several items reported negatively on my consumer report. I advised them that they were in non compliance per 15 USC 6801-protection and non public personal information to report my transaction information. I did not consent for my transactions to be reported. These are the companies that I am filing a dispute on : EXPERIAN, XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic 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 XXXX has neither corrected nor removed disputed 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 XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I have two unauthorized inquiries on my credit report ( 1 ) XXXX XXXX XX/XX/XXXX. ( 2 ) XXXX XXXX XX/XX/XXXX XXXX. I have informed all three credit agencies about these unauthorized inquiries requested that they be removed, but they failed to do so. I had no dealings or any type of business with these institutions, I do not recognize any of these inquiries and I would like the removed from my credit reports. I have also attached a identity thief report along with my identification. Furthermore, I also submitted an old identity thief report that happen with an inquiry that was reported and removed dealing with XXXX XXXX. So why is this happening again! Please removed this from my credit reports. Thank you.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XX/XX/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 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 reporting or other personal consumer reports

I am disputing inaccuracies on my Experian credit report. Despite submitting multiple disputes directly to Experian, they have repeatedly verified the information without providing any supporting documentation. This lack of documentation fails to meet the standards for verification under the Fair Credit Reporting Act ( FCRA ), Section 1681i ( a ) ( 1 ) ( A ), which requires a reasonable reinvestigation of disputed information. Specific issues include inconsistent reporting of balances, charge-off dates, and payment histories across bureaus, which indicates a potential error in Experians reporting processes. I am seeking a thorough review and correction of these discrepancies to ensure compliance with FCRA accuracy standards.
Product: Credit reporting

All the credit agencies reported a disputed phone bill with XXXX XXXX XXXX as current even though it was from 1998. This caused my credit score to fall from XXXX to XXXX and prevented me from leasing a car at a price I could afford. The collection agency for XXXX XXXX XXXX called XXXX did this to force me to pay this old bill that was a billing error. They should not be allowed to falsify information and the credit reporting agencies should be responsible for making sure information is correct.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX, XXXX, or TransUnion credit report, and I noticed a negative account reporting on my consumer report. I have been contacting XXXX, XXXX, or TransUnion to remove this account ( see attached ) I have not given any company, credit agency permission to report this account onto my consumer report. THIS IS ILLEGAL! I did not authorize anyone to report this account on my credit report. This is Aggravated identity theft per XXXX XXXX XXXX XXXX! I am asking this closed account to be removed from my consumer report and credit report! This is going against the law per XXXX XXXX XXXX XXXX - Aggravated identity theft.
Product: Money transfer, virtual currency, or money service

I was scammed by one of my friends XXXX pages for covid 19 help and shes a musician. It was giving money in return for a bigger amount of money in return. I sent it through my XXXX XXXX and then they were asking for more money. I sent {$300.00} on XX/XX/21. when I told them on XXXX XXXXr it was a scam they blocked me. Come to find out it wasnt my friend but a scammer and her page had been hacked. Me and so many others fell for it.
Product: Debt collection

Subject : Debt Validation Request Dear SUNRISE CREDIT SERVICES GROUP I am writing to formally request validation of the debt referenced in your records under account number XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request documentation that verifies the existence and amount of the debt you claim I owe. 
Please provide me with the following information : 1.Validation of the debt : A detailed statement of the amount owed, including any fees or interest. 
2.Proof of ownership : Documentation that proves you own the debt or have the authority to collect on it. 
3.Account history : A complete account history that reflects all payments made and any adjustments made to the account. 
4.Original creditor information : The name and address of the original creditor, including the original account number. 
Additionally, please be aware that under FCRA 609, I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. If you are unable to provide the requested documentation, I expect that you will remove all negative entries associated with this account from my credit report. 
I appreciate your prompt attention to this matter. Please respond within 30 days to avoid any further reporting of this account to credit bureaus.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XX/XX/XXXX {$750.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Debt or credit management

We were paying cooperate Turnaround also they didn't pay the XXXX. 
XX/XX/2023 XXXX XX/XX/2023 XXXX 2 times XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 they sent me XXXX back XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX 2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of my credit file. Experian illegally authorized 3 agencies to access my credit report without my authorization. Experian unable to produce authorization and states they dont have to. This is a violation of FCRA. Under FCRA no one can access my credit without my permission for the purpose of extending credit.

U.S. Code, 15 USC 1681 er seq. Section 604 states that all users must have a permissible purpose under the FCRA to obtain a consumer report.

Experian states they are unable to provide permissible proof and dont have to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX in XX/XX/XXXX and financed their equipment through Fortiva Credit on XX/XX/XXXX for approximately {$3000.00}. I made monthly payments for two months, then paid my full account balance off XX/XX/XXXX ( this is also reflected on my credit report ). However, I was trying to get a payoff confirmation from the company so I could cancel my XXXX service in XX/XX/XXXX and was told my entire account and history had been purged from their system, so they have no record of me ever having an account. I can not close my XXXX services account until Fortiva confirms my credit account has been paid in full, but Fortiva claims there is no record of my having an account, even though it shows on my credit report. Is completely deleting these records upon payoff legal? This also seems like a tax evasion scheme.
Product: Checking or savings account

My account was frauded with {$4000.00} in check fraud. I filed a claim and have not received any feedback from them regarding this matter. They still have my account showing a negative balance. I am only XXXX XXXX XXXX and just beginning my adult financial journey and I feel completely violated due to this event! They allowed someone to deposit fraudulent funds and withdraw those funds within 1 day in repeated transaction without employing any fraud prevention measures to stop this from happening. I have no access to my account and I have just left for college. I am not able to receive funds or transact any business and it is not fair for me to have this stress on me as I get started with my adult life. I am considering a career as a military officer post graduation and I am having to reconsider USAA as a choice to continue my banking at USAA now. They should be protecting my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting late payment experiences furnished to my consumer report. These experiences must be removed. ( see attached )
Product: Debt collection

Hi XXXX I have got debt mail form XXXX XXXX XXXX XXXX my XXXX I dont even know about this mail I have just saw few days ago and there I dont understand why Im getting this all amount high which I dont have credit that much and I see there they charge extra $ plz reach me clear this all
Product: Checking or savings account

I went to Citibank on XX/XX/22 to deposit my 401k check of XXXX and a week later the check was never cleared in my bank account. I called Citibank customer service on XX/XX/22 and they informed me that they have no trace of the check being deposited and that they were going to open an investigation to see what happened. I called on Friday XX/XX/22 and they said they were still trying to communicate with branch that I deposited the check to and will call me back within the same day. At the end of that same day, I didn't received any calls so I called back and they said they are still waiting and recommended for me to fax a copy of my transaction receipt to fax # XXXX. No idea who this fax belongs to but when I called Citibank back on XX/XX/22 they said they never received the receipt that I faxed on XX/XX/22. On that same day, they said my only option left is to go to the branch where I deposited the check. Now, I live in Connecticut, XXXX hours away from this bank. I just started a new job and I had to take off today XX/XX/22 to go to this branch, bring in my transaction receipt to figure out what happened with the check that I need at this moment badly because I need a new car and been renting cars to get around. I went to the branch and all they said was that there is no records of the deposit in my account, that there is no records of the check and that there is nothing they can do except for me to contact my 401k office and have them re-issued the check. So where did the check go? The teller did confirmed I was there and the check was deposited on that day. So many questions unanswered and all they recommended was call the manager on Tuesday XX/XX/22 because he's on vacation. Now who is going to give back all the time and money I have taken to deal with this situation. Now I have to wait another 3-4wks to get the new check delivered to my apartment in Ny, need to rent a car for another month and then I will have to take another day off from work to go to NY and pick up and deposit the check. This is the worst experience I've ever had with a bank. A bank that I have been using for more than 5 years and a bank that I trusted on!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, Someone on my behalf send inquires to open credit cards, and even opened some credit cards, thus I would like to remove them from my credit history. Such as 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 Thank you
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against XXXX, alleging systemic 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 XXXX has neither corrected nor removed disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had several payments on my accounts 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 accounts : XXXX XXXXXXXX : Act # ( XXXX ) and 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, credit repair services, or other personal consumer reports

Elan Financial Services ( Elan ) XXXX : DISPUTES XXXX XXXX XXXX XXXX XXXX, MO XXXX Re : Reporting Disputes - XXXX XXXX XXXX Elan Financial 's continued incorrect reporting to the three credit bureaus. The incorrect reporting is due to Elan 's non compliance with Regulation Z - Truth in lending, Fair Credit Reporting Act, Unfair/Deceptive Business Practices , and failure to comply with Record Retention Statues. 

Truth in Lending ( Regulation Z ) : Notification to take Adverse Action ( s ) Failure to notify customer ( XXXX XXXX ) within the time period designated by current rules and regulations that any other adverse action was going to be made. In addition, Elan continued to charge fees and interest charges after the account was put in for collections and charged off. 

Incorrect Reporting to the Credit Bureaus : Elans reporting shows an amount of {$9700.00} charged of and closed on XX/XX/XXXX. ( This amount is in question. ) Also reported is a delinquent balance of {$10000.00}, and reporting of delinquent payments as of XX/XX/XXXX, and continues after the account balance was charged off. Once the account balance is charged off, there can no longer be an outstanding balance. This is a violation. 

Deceptive Disclosure information on monthly statements. Elan Financial does not appear on the 1st page. They answer the phone number on the statement, " XXXX XXXX, XXXX XXXX XXXXXXXX ''. In reality, the caller is NOT speaking to anyone at XXXX XXXX, but a CSR Rep from Elan. 

Failure to disclose Elan Financial as the service provider for XXXX XXXX on the 1st page to their Service Agreement ( also not dated ). Elan Financial does not appear until Page 7 of 9. 

Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ] Appendix E to Part 1022 - Interagency Guidelines Concerning the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Violations occurring by not : ( h ) Deleting, updating, and correcting information in the furnisher 's records, as appropriate, to avoid furnishing inaccurate information. 
( i ) Conducting reasonable investigations of disputes. 

Failure to comply with Record Retention Statues : Per Elan 's own correspondence of XX/XX/XXXX & XX/XX/XXXX, " Upon acquisition of my account in XXXX and their completion of their conversion, they ( Elan ) no longer has access to this information. ''
Product: Payday loan, title loan, personal loan, or advance loan

The loan is an installment loan but also has access to a debit card. The company keeps decreasing my credit line as I pay it off. Therefore it lowers may available credit and impacts my credit score. Now I have had other cards decrease limits due to this. This is having a huge negative impact on my credit score.
Product: Checking or savings account

I received a notice stating that I had open a new account with XXXX XXXX and that some checks where deposited.
Product: Credit card or prepaid card

XXXX XXXX XXXX Account # XXXX Chase XX/XX/2018 - {$1200.00} I am writing to dispute a billing error in the amount of {$1200.00} on my account. The amount is inaccurate because i have canceled the order and contacted the merchant XXXX to make sure the charge was refunded. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 

Enclosed are copies of the order cancellation, and refunded documentation supporting my position. Please investigate this matter and correct the billing error as soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosures : Order Cancellation, Refunded Receipt from Merchant.
Product: Credit reporting

NFCU has been reporting erroneous credit lines on my credit report for months now, by reporting the same derogatory information on multiple lines. I have contacted NFCU several times about this asking them to remove the erroneous information from reporting numerous times, hurting my credit score. They continuously tell me that they can not do that, that I need to contact the credit bureaus, however, I tell them that they are the ones reporting this information monthly. They refuse and they continue to report this information monthly.
Product: Debt collection

I have requested on five different occasions through various forms of communication to try and have some place called XXXX XXXX   verify and validate a debt which is being reported as in collections which I discovered after reviewing my credit bureau reports. I dont understand how a business can claim a debt is mine and then destroy my credit history without contacting me first. I have tried calling and they tell me they can not verify me. I do not believe this debt of {$4000.00} which is showed by the CRAs is a legitimate debt of mine. They can not even verify who I am when I call because they tell me that the information the have doesnt match. I have written a letter requesting debt validation and asked how they verified the debt was mine and I never received a response. I have disputed through the credit bureaus that the debt is not verifiable and they tell me that it is verified and will not tell me how they figured out that is is a verified debt. This is fraudulent. There should be a criminal investigation done. I will continue to report this fraudulent attempt to collect money from me until it is removed.
Product: Debt collection

I continuously requesting proof an agreement was entered with the collector. I requested a thoroughly investigation from all the XXXX credits bureau to provide me proof on how the debt was incurred and sign promissory contract was enter I have not received any of that instead an investigation was done and it stated " This item belongs to you '' This is not an acceptable investigation. 

XXXX XXXX balance Owed {$430.00}
Product: Debt collection

Being sued for a judgement for previous cred card debt to bank of america, in the amount of {$2900.00}. I am XXXX, legally XXXX, and my only income is my XXXX XXXX XXXX. After contacting a local law office, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX, i was told that this judgement would allow bank of america to garnish my social security and put a lien on my house until the debt had be repaid.