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

I was told that I could reach out to you all regarding my credit. I have reached out to the credit bureaus and my accounts regarding things on my credit that is not mine. It even had alot of student loans. When I saw that I knew something wasnt right because I had to drop out of high school because I had a baby. Can you please help me with these accounts that are not mine XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. Thank you and I also have contacted the FTC and the police. I'm also doing this on my own behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.
Product: Debt collection

Mr. Cooper Group Inc . 
Attn : Customer Service XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX I am writing to formally dispute actions taken by Mr. Cooper XXXX XXXX concerning my mortgage account, which I believe involve fraudulent practices in violation of consumer protection laws and Texas state law. I have made numerous attempts to resolve these issues amicably and without resorting to costly litigation. However, given the severity of the situation and the lack of adequate resolution, I find it necessary to escalate this matter. 

Background and Allegations I allege that Mr. Cooper has engaged in fraudulent conduct, including but not limited to misrepresentation of loan terms, unauthorized fees, and failure to properly credit payments. Specifically, I have observed discrepancies between the agreed-upon terms and the billing statements provided, which indicate unauthorized fees and charges that were never disclosed or agreed to in my original mortgage contract. 

Violations of Federal and Texas State Law The actions taken by Mr. Cooper appear to violate both federal consumer protection laws and Texas state law. Under the Real Estate Settlement Procedures Act ( RESPA ) and the Truth in Lending Act ( TILA ), mortgage servicers are required to provide accurate information and to treat consumers fairly. Additionally, Texas state law under Chapter 392 of the Texas Finance Code prohibits debt collectors from using fraudulent or deceptive practices in the collection of debts. I believe Mr. Coopers actions are in clear violation of these laws.

Mr. Cooper also attempted to intimidate me by sending someone to my home to take pictures to steal my property from underneath me. I filed bankruptcy to get Me.Cooper to respond to the bankruptcy court and show for the creditors meeting but they did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am no longer disputing XXXX XXXX and XXXX.
Product: Vehicle loan or lease

On XX/XX/XXXX I turned in a used XXXX XXXX XXXX that was purchased at XXXX of XXXX XXXX due to the vehicle not being what I initially asked for. In order to get me out of that vehicle, they recommended that I lease a XXXX XXXX XXXX. However, with this transaction, a cancellation needed to be done on a warranty contract in regards to the XXXX XXXX XXXX XXXX. I was told that all I had to do was call the company XXXX XXXX, XXXX to cancel and that would be all. Unfortunately, after the paperwork was signed, the statement in regards to the warranty contract was untrue ; once, I spoke to XXXX XXXX, XXXX. They advised that XXXX needed to send them a cancellation check. I contacted XXXX of XXXX XXXX XXXX dept and spoke with XXXX who was the person who signed off on the XXXX lease. I was once again told that it wasn't a loan and there shouldn't be a problem for me to cancel. I ended up back and forward between XXXX and XXXX XXXX, XXXX in regards to the issue. I submitted a complaint here in XXXX in lieu of the harassment I was receiving from XXXX XXXX, XXXX and XXXX as of date hasn't fixed the issue. Complaint # : XXXX XXXX XXXX, XXXX after rebuttal emails and phone conversations telling them to contact XXXX whom also told them to contact him approximately 2 years ago, refuses to contact the dealership and has been harassing me since XXXX. XXXX needs to fix this issue. I've tried to solve this through XXXX when it first happened and once they had the sell, and I got stuck with a high monthly payment ; they seemingly didn't care to resolve this issue at all. XXXX XXXX, XXXX attempted to contact me on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted you about a bankruptcy showing on my credit report. You responded back that it was " verified '' after your investigation. Now I am wondering if you really did an investigation at all. I have already contacted the court and in their letter, they stated they do not provide information to credit bureaus. The court is the original source to verify bankruptcy information. I also looked in Pacer as well. I know that you did not do your due diligence in " verifying '' this information because you have the name of the courts wrong. Can you please provide me with the name of the furnisher you verified this information with, who you spoke to, and the dates you contacted them? I would like to know how and where you verified this inaccurate information that is reported under my social security number on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to dispute an unauthorized inquiries on my credit report. I retrieved a copy of my credit report from a few organizations and noticed a credit inquiries that I did not authorize. 

XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX -, XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX , TX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , CA XXXX Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I had a Bank of America credit card for up to a {$21000.00} credit limit and never used it. The annual renewal notice came due of {$80.00}. It was supposed to be taken from my bank account automatically. I have no idea why it was not. I was then hit with ( 2 ) 30 days, ( 1 ) 60 day, ( 2 ) 90+ days, and ( 1 ) 120+ days on my credit report and damaged my credit report and score *and* they closed the account. I had no idea it was not paid. It was on auto pay. And they never let me know. Keep in mind this account had a {$0.00} balance, {$21000.00} limit, and was never used. This caused my credit score to drop by over 100 points. I called Bank of America several times to resolve, offered to pay this small recurring fee of {$80.00}, and they said they were going to do it, and didn't. I then followed up more times and they said " there is nothing we can do. '' I own my own home, was going to refinance, and this drastically changes everything.
Product: Credit card

I went on a vacation to XXXX  XXXX XXXX and XXXX in XXXX XXXX XXXX XXXX While I was there, I charged a couples massage to my hotel room on XX/XX/year> for {$300.00} USD. On XX/XX/year>, we charged a romantic dinner to our hotel room for {$230.00}. Upon checkout, I was provided with a receipt showing the XXXX charges in XXXX XXXX  which was XXXX XXXX XXXX  and I was told that was around {$500.00} which aligned with the {$530.00} I had authorized. The hotel employee working the front desk incorrectly charged me in USD ( US Dollars ) instead of XXXX XXXX. So I was charged {$10000.00} USD instead of the {$530.00} that I owed. I disputed that transaction as soon as it posted to my credit card on XX/XX/year>. That same day I called the hotel. I have been in almost daily contact with both the credit card company and hotel regarding my dispute and the hotel hasn't corrected the charge and the credit card company keeps finding us responsible despite the mounting evidence. The credit card company has never tried to contact the hotel directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The dates of this supposed debt do not match with the dates of me owning the property. I had already sold my property months before when this supposed bill was issued. Furthermore, Service was stopped few more months prior to that even when the property had sold as the new owner was the tenant that was living on the property at the time. 

I have attempted to pay the debt that I do not owe in an order to restore my credit. However, after reaching out to TEK Collection company, they have stated that they are not able to accept a payment on behalf of XXXX California XXXX XXXX because they agreed that I was not liable. How is it legal to report a collection without being able to accept a payment? This is violating my rights per the FCRA. Not only do I not owe this debt ... .but the company refused to show proof that I owe the debt and they have admitted multiple times that it is uncollectable. I am asking for immediate removal.
Product: Credit reporting or other personal consumer reports

Contacted company a little over XXXX XXXX ago to opt-out of sharing XXXX  personal information/data to XXXX  parties ( XXXX, XXXX, Transunion ) XXXX XXXX  consumer report still has not been updated and its been past XXXX  days. They are in violation of the XXXX Law XXXX XXXX Privacy of XXXX XXXX XXXX. I would like the specific account removed from XXXX  XXXX  exercising XXXX  rights pursuant to XXXX XXXX. XXXX Obligations with respect to disclosures of personal information and XXXX XXXX. XXXX Opt-Out enforcement which all coincides with the United States XXXX XXXX XXXX Privacy Act of XXXX  establishing a Code of Fair Information Practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

security systems legally had to remove from my credit and they did, then they illegally put it back on my credit. its not mines then XXXX XXXX reported me and its not mines. they don't respond to me. these accounts are not mines XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2000.00} Closed XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed inquiries not mines XXXX Inquiry : XXXX. XXXX, XXXX + Telephone Companies XXXX Inquiry : XXXX. XXXX, XXXX + General Clothing Stores XXXX XXXX Inquiry :XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry :  XX/XX/XXXX+ Personal Loans Cos. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + National Credit Card Cos. 
( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Utilities Contact the inquirer : MAIL ONLY XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Utilities Contact the inquirer : MAIL ONLY XXXX XXXX  Inquiry : XXXX XXXX, XXXX + National Credit Card Cos. 
Contact the inquirer : MAIL ONLY XXXX XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance ( XXXX ) XXXX ALLY FINANCIAL Inquiry : XXXX XXXX, XXXX + Finance ( XXXX ) XXXX XXXX XXXX   XXXX Inquiry : XXXX XXXX, XXXX + Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX + Finance ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an Auto Loan with XXXX XXXX, I have paid this charge each month diligently. 
My credit report shows that I am 30 days or more past due on my payments for XXXX XXXX XXXX XXXX and and XXXX XXXX 
However I paid each of these months within 30 days of the due date. In XXXX my payment posted on XXXX. In XXXX on XXXX. In XXXX on XXXX 

I have attempted to reach out to the company to find out why my payments are being reported as late, and the only advice I was provided was to file a dispute with the credit bureaus. I filed a dispute with all 3 bureaus and the dispute results came back that the information is upheld and no changes will be made, however the supporting documentation provided shows the same payment dates as I have provided above. 

These payments were not late and this information reported is false. I am requesting a further investigation into this matter, thank you.
Product: Credit reporting or other personal consumer reports

STILL WORKING ON STALLING IS THE ONLY THING THIS FRAUDULENT COMPANY IS WORKING ON because it's all they do AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED HELP MANAGING MY CREDIT FILE. PLEASE UPDATE MY PERSONAL INFORMATION ON FILE. 

PLEASE UPDATE MY PHONE NUMBER TO : XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX THE FOLLOWING INFORMATION LISTED NEEDS TO BE UPDATED ON MY FILE IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have contacted Equifax, XXXX, and XXXX about removing the alleged medical debt under {$500.00}. However, each agency has not done so and refuses to. On top of this issue, two out of the three providers locked me out of my account after my formal request. Please let me know how I can remove these debts and also please hold these companies accountable for their lack of service. Please see what information I was able to access after numerous attempts to contactact/dispute this information. 

Account Number : XXXX Ballance : {$100.00} Alleged Date Opened : XX/XX/XXXX Account Number : XXXX Ballance : {$3.00} Alleged Date Opened : XX/XX/XXXX Account Number : XXXX Ballance : {$44.00} Alleged Date Opened : XX/XX/XXXX 2020
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries on my credit report that are the result of identity theft. These inquiries were not made by me, nor did I authorize them. As such, they should be removed from my credit report immediately in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under U.S. Code 1681b. 

The inquiries I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 filing a compiaint against Equifax for failing to proper investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that Ive marked as inaccurate XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$710.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$280.00} Needs Attention XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$5600.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$1300.00} Needs Attention
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against ORIONS MGMT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit card or prepaid card

I have been very sick for approximately 15 months now starting XX/XX/XXXX of 2021 is when I was first admitted to the hospital and I haven't used my Bank of America EDD card since that day or before. Since then I have spent approximately 6 months total in the hospital I've been in and out and staying with family and after the first hospital visit when I returned home briefly in XXXX to find that my entire home had been ransacked vehicles stolen everything I owned was gone I never went back to my home. For a year I didn't have access to any of my emails my phone everything was in my home and all of my information was in my computer and everything was stolen from me. I couldn't even call the phone company and turn my phone off because someone had changed the password and they said I needed to go into the store with my ID and this was impossible as I was so sick I couldn't do that. I didn't have access to any of my emails I only recently have felt well enough to start delving back into all of that and getting some of my old identity back. I initially filed a claim while I was in the hospital I believe last year maybe in XXXX over the phone and apparently that was denied and now I filed it a reconsideration and it's been almost 2 months and they're just telling me they still don't have an answer for me and that's not acceptable. They initially said they checked the spending habits and that there was nothing unusual but that can't possibly be true it has to be unusual because I know that it wasn't me so it can't have been possibly like my normal spending habits someone's just not doing their job I lost everything I owned and {$5000.00} that was in this account and I don't think that they should just get to take as long as they want to make the right decision here my social security number is XXXX I'm sorry I don't have the account number or claim number but I know they can pull this up with my social. My phone number is XXXX and the address on file with Bank of America is XXXX XXXX XXXX in XXXX California. It has been over a year I've been trying to resolve this and last time I called to check on it was yesterday and they said they have no idea how much longer it will be even though they initially said less than 45 days that's not fair and it isn't right
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, while I was in a natural disaster forbearance period with US Bank Mortgage, they reported my account 90 days past due to all 3 credit reporting agencies. I reported it to them and they told me that it would be resolved and that the reporting was incorrect. On XX/XX/XXXX, I noticed that it had still not been corrected. I was trying to close on a loan on XX/XX/XXXX and my score was about 100-150 points lower than it should have been due to this incorrect reporting and would significantly impact my loan rate, costs and monthly PMI. I called US Bank once again to have them correct this and was assured that it would be corrected on the XX/XX/XXXX update. I looked at my report on XX/XX/XXXX and it had not been updated. US Bank finally submitted the update on that day, as well, they gave me a letter detailing that the reporting was incorrect so that I could provide it to my credit reporting agencies to address the problem. XXXX and XXXX XXXX corrected the inaccuracy by XX/XX/XXXX, but XXXX refused based upon the existing letter. I spoke to several representatives from both XXXX and US Bank to resolve prior to our closing and it was never corrected. As a result, my loan rate was much higher, I am locked in to a higher PMI and had to pay higher closing costs.
Product: Debt collection

I had been a loyal customer of XXXX XXXX XXXX for over twenty five years. I switched services ( closed my account with XXXX ) on XXXX XXXX, 2016. Eastern Account Systems, per XXXX XXXX XXXX ( called twice on XXXX XXXX, 2016 ) told me they ( EAS ) received this account ( # XXXX ) in their office on XXXX XXXX, 2016 a mere twenty two days after my account was closed. My account with XXXX XXXX XXXX was not past due nor was it delinquent. My private and personal account information including S.S. #, phone number, D.O.B. and XXXX address were all given to a third party debt collector before the account was delinquent or even past due. The company stands by this policy as answered in XXXX XXXX XXXX complaint " ticket number XXXX ''. I was given an extremely hard time when trying to close my account and was subjected to many different departments all trying to retain my business. I took well over two hours XXXX simply close this account. These collection efforts are another effort to make me pay for my decision to terminate their service. As XXXX from XXXX told me " this is what happens to everyone that disconnects service with us ''. 

Eastern Account Systems of Connecticut , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had opened BJ 's credit card on XX/XX/2021 with Comenity Capital Bank. The Bank approved the card, however, they reported XXXX credit score from XXXX to determine the interest rate. My credit score has never been below XXXX in the last 5 years, so it was a surprise. I subsequently checked with XXXX, and they reported a credit score of XXXX. I provided the credit score report from XXXX to Comenity Bank to check if they made an error. Per law, Comenity Capital Bank can only use the credit score reported by the approved agency. On XX/XX/2021, Comenity Bank reported that the credit score they used, XXXX, is accurate. I am unable to reconcile why XXXX  will provide one score to me and another to Comenity Bank. It seems Comenity Bank manipulated my credit score to charge a higher interest rate.
Product: Money transfer, virtual currency, or money service

Cash app was hacked identity stolen and over XXXX stolen gave them ftc report and everything they asked for got nothing. Also XXXX XXXX  responsible for over XXXX in unauthorized transactions