23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Chase has not resolved my dispute with a merchant that owes me credit. Chase claimed Visa does not allow them to submit for dispute on the items due to the age of the item. However, this is incorrect as Visa does provide full recourse in my situation as outlined in my documents attached. Chase mishandled my matter and I plea and demand this matter be resolved asap.
Product: Debt collection

Currently, Hunter Warfield has been calling me every single day, at least once a day, since XXXX claiming that my old apartment is seeking a collection on a utility bill debt. I explained to them that there was no debt, I had paid off any remaining balances before moving out otherwise I would have not been able to move out. They went to issue a dispute within their own company and told me it was not valid because I had no proof. The collection came up on my credit report as of XX/XX/2023 for the {$140.00} balance they claimed I never paid. I had offered to send them proof it was paid and they got incredibly aggressive with me and told me to figure it out on my own. I filed a dispute with XXXX on XX/XX/2023, the same day the collection came up, and submitted the supporting documents showing that, yes, I had in fact paid the " debt '' they're trying to collect and my balance at the end of my lease was {$0.00} since the customer service and Hunter Warfield refused to let me send in the documents initially. Within about 24 hours, the dispute through XXXX was resolved in my favor and the collection was removed from my credit report, thankfully. Now, as of XX/XX/2023, Hunter Warfield is still harassing me and calling me multiple times today to tell me I need to pay them right now or they will charge me more to pay it off despite explaining I had already gotten the collection resolved. They are claiming it was never disputed and that the charge is valid despite already sending in proof it is not valid and getting confirmation the collection was removed from my report. I do not appreciate them calling me repeatedly, getting rude and aggressive with me over the phone, and telling me I'm lying and that I can not possibly dispute the collection despite already doing so and it getting resolved.
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was surprised to see inaccurate accounts listed, and I dont know why. I review my credit report regularly, but this time, I noticed errors that were not there before. I tried refreshing my browser, hoping it was a minor glitch, but the incorrect information did not disappear. Given this situation, I request that my submitted documents be carefully examined so that I can put this issue behind me once and for all.
Product: Mortgage

The company ran my credit report eight times now every company is saying I have too many inquiries.
Product: Mortgage

In early XXXX, US Bank instructed me to pay the taxes on my property to ensure I did not pay the taxes late and incur a late fee with Washington DC. While on the phone with US Bank ( on a recorded line ) I made the payment directly to the city. The representative on the phone from US Bank assured me on numerous occasions that US Bank would not send a duplicate payment to Washington XXXX DC and assured me that US Bank would cancel any pending payments to Washington DC. 

US Bank sent a duplicate payment on my behalf for {$2000.00} to Washington DC out of my escrow account. US Bank assured the payment would be returned to my account by XX/XX/XXXX -- 3 weeks after the US Bank servicing error. On XX/XX/XXXX they are now telling me they are unsure when the payment will be returned. 

I have since closed the loan and US Bank has not returned the money to me or my escrow account. US Bank has a servicing error that has resulted in significant financial harm to me as I am owed over {$2000.00}. US Bank has acknowledged their error, but has not provided a timely resolution.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and Transunion credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( 1 ) ( A ) and XXXX ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX BALANCED {$12000.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX BALANCED {$8100.00}
Product: Credit reporting or other personal consumer reports

I identified information on my credit report that is a result of identity theft and not transactions completed by me. 

XXXX XXXX XXXX XXXX XXXX : XXXX DATE : XX/XX/XXXX AMOUNT : {$210.00} XXXX XXXX XXXX XXXX XXXXT : XXXX DATE : XX/XX/XXXX AMOUNT : {$370.00} XXXX XXXX XXXX ACCT : XXXX DATE : XX/XX/XXXX AMOUNT : {$870.00} XXXX XXXX XXXX XXXX XXXX AMOUNT : {$1800.00} XXXX XXXX XXXX ACCT : XXXX DATE : XX/XX/XXXX AMOUNT : {$240.00}
Product: Mortgage

I had a mortgage with Ditech and refinanced with another lender in XXXX. I am due a refund from Ditech for my escrow account and have yet to receive my refund. Ditech said they issued a check on XXXX and when I called at the end of XXXX I was told they could not report it lost until 30 days. I called on XXXX and they supposedly reported it lost and were issuing me a new check. I called on XXXX and they said they would transfer the money directly to my checking account with in XXXX business days. It is now XXXX and I still do not have my refund.
Product: Credit reporting or other personal consumer reports

I obtained my consumer report and noticed several items on my report that do not belong to me. I had contacted the 3 major credit bureaus ( XXXX, Transunion, XXXX ) notifying them letting them know that I am a victim of identity theft. I also reported this fraud to the Federal Trade Commission and obtained a identity theft report # XXXX. I sent the bureaus a copy of the identity theft report and response I either received generic responses via mail and email such as : the information was verified, misrepresentation of my identity theft report, and someone else ( third party ) disputed this information on my behalf which is all false. After recently contacting the bureaus via telephone was told by a representative that I need to document this theft with my my local police department. I file a report with the XXXX Police Department report # XXXX. Both reports are attached. I have also contacted a attorney in the attemp to file a civil suit against the 3 bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is knowingly reporting 3 unvalidated accounts on my credit report and will not respond to my disputes. The accounts are all violating my consumer rights and are illegal. I have sent multiple letters and they refuse to cease and desist reporting the account. 

I have informed Equifax of the violations, below yet they continue to ignore my request
Product: Credit card

I have hard inquiries on my credit reports ( XXXX currently that I can see ) from where someone has fraudulently applied for credit cards. To my knowledge at least XXXX cards have been issued and charged under my name between XX/XX/XXXX and XXXX XXXX XXXX. 
I have contacted the companies and reported it as fraud and they have closed the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Experian on XX/XX/15 about incorrect names and inquiries on account.. These items I did not authorize use to inquire or request any type of service. I disputed these items over the phone with a customer service representative. Was asked full name, customer representative spelled my name incorrectly, did not ask the correct spelling and placed incorrect information on credit report.. In addition, it took them less than 24 hrs to state the information provided was correct that I was disputing.. I feel racially profiled and did not get the thorough investigation needed to have these items removed from my credit report.. I take responsibility for those items that are correct and feel violated that misinformation can stay on my report after disputing this misinformation..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX dropped my score XXXX points in one day I am going to seek litigation I looking to hire attorney that goes for XXXX Transunion If they refuse accurately report my credit report that includes everything Negative Collections Inquiries How does XXXX drop my credit scores XXXX something points in one day I am going to get attorney and a class action law suit
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the issue with XXXX XXXX  recently and feel the need to reach out to the CFPB. Transunion has added something else on my report. I have no knowledge of the debt. The debt was opened in XXXX of XXXX. I recently applied for a XXXX XXXX account in XXXX of XXXX. The account is prepaid. I invested in myself by providing XXXX XXXXXXXX with a {$300.00} payment to open a credit card account for the sole purpose of improving my XXXX XXXX by paying on time. I have the right to pay a minimum amount of {$25.00} without being severely punished by dropping my score well over XXXX points. XXXX XXXX has never granted me credit. I granted myself credit by using my personal funds to open a line of credit that transunion, XXXX, and there entities has decided to demolish my XXXX XXXX. I have never missed a payment and always payed on time since opening the account in XXXX of XXXX. As of today a debt for collection from XXXX XXXX with an account open date of XX/XX/XXXX appear on my report. I've never opened a XXXX XXXX account in XXXX of XXXX. I've never received statements for a collection and are unaware of the account opened in XXXX. Attached is a screen shot of the issue. Please view.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Midwest Recovery Systems recently added themselves to my credit report as a collection agency. No info was added about the original debtor. After several attempts to contact the company, I finally spoke with XXXX XXXX whom advised he is a manager. He informed me that the debt is for a payday loan from 2012, which was received from a company named XXXX XXXX. He then advised that the debt was bought by his client, being XXXX XXXX XXXX XXXX. I worked with Maryland 's Dept of Labor, Licensing, and Regulation, whom informed me that payday loans are illegal in MD. They also instructed me not to pay the loan and informed me that they would be seeking legal recourse against the many lenders that are illegally lending to MD residents. I thought this nightmare was over, but now this company is hurting my ability to purchase a home and move forward with other plans for my family as this blemish is bringing my credit score down. I am requesting assistance in removing this issue and learning how to make sure this issue does n't happen again, in the future.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX 2024, I noticed that my credit score had dropped by over XXXX points, and an account on my credit report was listed as having a delinquent payment. I spoke with my credit union, and was notified that the payment had been reported as late, but the XXXX XXXX had made a mistake, because they had never notified me about it. I made the payment with them, and was told that it would be " fixed '', and they would send an update to all three credit bureaus ( XXXX, XXXX, Equifax ). Twice now my score has rebounded, and the report was briefly removed, but appears to be resurfacing. I have a lengthy email conversation with my credit union where they have very clearly acknowledged that they do no consider my payment late, and that they " reapplied it to XXXX '' so that there would technically be no late payment at all on my record. I do not know what to do at this point, and I feel like I am stuck in limbo between the credit bureaus and XXXX XXXX XXXX.
Product: Checking or savings account

When I had my first wells fargo account someone accessed my information causing them to use my entire card up and I had to file disputes for all transactions. Now the company won't let me do business with them and keeps closing any account that I open
Product: Debt collection

I did not receive anything about debt or credit owed before account went into collections and really hurt my credit score. I have been working on my credit for over a year and dealing with Credit pros to increase score. The collections action was random and hindering me from purchasing a home and a lot more. The collections action was not fair at all especially for a small amount I knew nothing about, let alone proven to be me that has made any purchases or owned any credit cards
Product: Consumer Loan

I Get a title load i dint reliced they give me a over 100 % on enteres i traed to work with the company on the high enteres. They closed all my doors and repo my car
Product: Credit reporting or other personal consumer reports

We had put a {$250.00} deposit in a Tesla in XXXX  even though being XXXX  residents since we're moving to XXXX. We were ready for our trip there and they called us 1 hour before and told us they couldn't approve financing through Tesla. So we cancelled our order and our flights there to buy the car. 3 hours later they called us telling us they instead ran our credit for 3rd party lenders, after we cancelled which my husband and I never authorized. We had already cancelled the order and never agreed with this. Now my husband XXXX XXXX and I both have hard credit pulls on our account from banks we never heard of or authorized. Tesla in XXXX, XXXX  did this without our consent and after we cancelled the order. We were never notified that they did this until getting alerts from our credit card company that this was ran. I have tried calling them multiple times to confirm they did this and they keep sending me to voicemail and not answering my phone calls.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The items below should all be updated to paid as agreed on my consumer report.
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 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 accounts 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, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a police report anf ftc identity theft report. For CITIZEN PAY. I have reached out to the credit companies serval times via phone, mail and email. This company continues to violate my consumer rights. This company has not provided me with any proof that I open these accounts nor that I gave permission for these accounts to be open. It is disgusting that Ive went to every level and this company refuses to do the right thing!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The XXXX XXXX findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I received an affidavit in the mail stating that I owe XXXX {$1000.00} from the year XXXX  that I knew nothing about. Ive never order from XXXX before and Im trying to resolve this issue because theyre trying to sue me for {$1000.00}. I do believe that my social and my name has been tampered with fraud. I need help with this situation I can not afford to be sued my phone number is XXXX. If any questions email address XXXX XXXX.
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.
Product: Credit reporting or other personal consumer reports

The Bankruptcy Court does not report information regarding bankruptcy cases to any credit bureau, including XXXX, XXXX, and Experian, and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. 

I was looking over my credit report recently and found a bankruptcy and I am requesting you verify the accuracy of this entry. If verification is not possible, the entry must be removed immediately. 


XXXX XXXX BANKRUPTCY, Docket # XXXX Please respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : 1. The name of the courthouse with which you verified the information.

2. The name of the person at the courthouse who handled your request.

3. The address of the courthouse 4. Which document did you obtain to verify bankruptcy?

According to the FCRA : I may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, i am writing this affidavit to inform that i have been a victim of identity theft and i am just now figuring out how to resolve this issue and restore my credit. During Covid -19, I noticed a dramatic negative change in my credit report. At the time, i was facing a financial hardship and did not have the resources to find Identitytheft.gov or review my scores again until now. I have counted over 30 wrong addresses listed with XXXX ; 15 potentially negative items from unauthorized creditors such as, XXXX XXXX XXXX XXXX, Tennessee Dept of Humn SVCS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. As well as over 6 incorrect spellingsversions of my name. One creditor shows someone named XXXX that i dont know as a Spouse or co-applicant. I have well over 11 hard inquiries and 25 soft inquires that i did NOT authorize.