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

On XX/XX/year>, I contacted this company to remove their inaccurate report. I left several messages, but none were returned. 

The credit report shows " pays as agreed, '' but when you scroll further, it reads " collection. '' The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

Incorrect and inaccurate information is being furnished on my credit report. I do not XXXX XXXX nor do I have an outstanding balance with them. see attachment Document password - XXXX
Product: Credit card or prepaid card

On XX/XX/2022, I filed Complaint # XXXX with the CFPB, against Discover. When I finally received a response from the company, XXXX XXXX, from the Executive Office of Customer Advocacy gave only a very general final response to my dispute, and obviously did not actually conduct an investigation on the matter. It was evident that he didn't take the necessary time, or steps to review the documents enclosed in the dispute proving what correspondence took place regarding my issue, and how I was consistently given misleading and conflicting information by his company 's agents, as well as the written terms & conditions he provided! Also, I enclosed the copy of the Cardmember Agreement that I received with my card in the mail, and it clearly states the following ; " ACCEPTANCE OF AGREEMENT : You accept this Agreement if you do not cancel your Account within 30 days after receiving a Card. '' I DID in fact cancel the account well within the 30 days time frame, and that verifies that I did NOT accept the Cardmember Agreement, I also had enclosed evidence proving that I had called and chatted numerous times requesting the pending Balance Transfer be cancelled while it was still in a " pending '' status. XXXX XXXX claims he has no record of these conversations, but I had also enclosed evidence proving otherwise. 
The company did not complete any type of investigation regarding my dispute, which is evident in how their final response read. They also were legally responsible to provide me with details of how they conducted an investigation, but completely failed to do so. They overlooked and ignored documented evidence that I provided, and how they mishandled my dispute, is totally unacceptable! At the time that I received their final response, that closed my dispute filed with the CFPB, and basically put it in a " settled '' status, when indeed it has not been settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the Certified letter that was sent to Experian on XX/XX/XXXX To whom it may concern, XX/XX/XXXX, My Bankruptcy was discharged. I also sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I got a letter stating, " They do not report any bankruptcies to any outside agencies. '' So, if that's the case how did the credit bureaus edify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681. 


15 USC 1681 section 603 ( 3 ) ( E ) States : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 


However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


They also violated my rights numerous times. 


The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonably believes that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Equifax has a internal freeze on my credit report so they asked me to send proof that it is me, and to ask to remove the XXXX XXXX on my account, and to update my address, so I did it has been a year since they have received that information and my credit report still hasnt been updated and I have been using a wide range of credit builder accounts to build up my credit score for example XXXX is now over XXXX and Equifax is reporting that my score is still under XXXX
Product: Mortgage

I believe I am a victim of mortgage fraud or predatory lending. 

I bought a home 13 years ago for {$280000.00}. Thirteen years later I owe {$300000.00}. XXXX. 

In 2007, I purchased the house that I currently reside in for {$280000.00}. Due to a divorce, my home went into foreclosure for less than a year. With all of the fees and what I believe to be fraudulent and predatory banking practices, I currently owe {$300000.00}. Please note that I have been paying my mortgage on time for the past 12 years. 

How is this possible? How is this legal? The mortgage servicer at the time of the modification was XXXX XXXX. It has since been transferred to Select Portfolio Servicing ( SPS ) I am certain that I am but one of many families of XXXX who is in this very same situation feeling trapped in a system that they can not fight. 

Any assistance you can provide would be tremendously appreciated. 


XXXX XXXX XXXX XXXX XXXX XXXX MA. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Monitoring agencies had glitch in their system that violated the rights of their consumers under section 6.11.  As a result, I have been gravely affected and my score is suffering as a result. I have asked for investigations, I have made phone calls to Bureaus and collectors, without any prevail or response in a timely manner. 

No notice was ever given which is also a violation and I am requesting that ALL previous collectors be removed. I am unable to obtain a mortgage because of errors on my credit report that were not investigated properly. The glitch caused investigations to take longer than 30 days and late payments to be removed and then readded on over 2 accounts XXXX and XXXX XXXX. If these companies have verification that I was late it defaulted on a loan a late payment should not have been removed then placed back onto my reports. There are error on my reports from Natural Disasters in 2016. These reports are undeniably creating missed job opportunities during this pandemic, mortgage loan failures, and causing more problems on my life during such a crucial time in the economy.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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, credit repair services, or other personal consumer reports

ON XX/XX/2019 ACCOUNT XXXX FROM XXXX SHOWING CHARGE OFF AMOUNT OF {$1500.00} WAS REMOVED FROM ALL THREE BUREAUS AND NOW AS OF XX/XX/2019 IT HAS REAPPEARED AGAIN ON BOTH EXPERIAN AND XXXX XXXX, THESE NEEDS TO BE DELETED SINCE THIS AFFECTING MY CREDIT SCORE!
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXXXXXX XXXX XXXXXXXX Balance : {$76000.00} XXXX XXXX XXXX Balance : {$89000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX  XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card XXXX Bureau Code : Individual Individual Individual Account Status : Paid Paid Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1400.00} {$0.00} {$990.00} Credit Limit : {$750.00} {$750.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Payment after charge off/collection Settled - less than full balance Account legally paid in full for lass than the full balance. 
Unpaid balance reported as a loss by credit grantor. 
Account legally paid in full for less than the full balance. 
Settlement accepted on this account Paid charge off Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month 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 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I made a purchase in XXXX with my Comenity Credit Card for XXXX XXXX that had a 6 month no interest if paid in full. I paid off the promotional balance on XX/XX/2019 before the expiration date of XX/XX/2019 in the amount of {$270.00} and then made the minimum monthly payment of {$62.00} on XX/XX/2019 before the due date of XX/XX/2019 in the amount of {$62.00}. Per their statement period of XX/XX/2019, it states, " You must pay your Plan XXXX balance of {$270.00} in full by XX/XX/2019, and also pay your Minimum payment amount by the Payment due date shown on this statement, to avoid paying accrued interest charges. '' I've paid of the promotional balance before the expiration date and the minimum monthly payment also before the due date and I am being charged interest on a monthly basis and I have called multiple times and they have not corrected the issue to avoid the interest going forward. I was charged interest in XXXX, XXXX, XXXX, and now XXXX. I have been credited the interest charges ; however, I should not have to call every month to have the fees removed when they need to correct the issue on their end as I am reassured every month they will take care of the problem and that it will not happen again! Please assist me. Thank you.
Product: Mortgage

I have requested numerous times in writing and via phone that I want to receive my statements. I received them for a short while but as soon as I switched to paperless I no longer have access. I am trying to refinance and leave this nightmare company and just need a copy of my most recent statement. Hey will not give me one unless I submit in writing again to their research department a request to receive statements. They said it will then take 30 days for a response. All because of a bankruptcy flag from 6 years ago before I was even with t hem ( th ey purchased my loan from  XXXX   ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote several disputes to the credit reporting agencies about XXXX XXXX XXXX. Showing them each violation and its inaccuracies. I have asked them to Please perform an investigation and help me figure out why my credit report doesnt match my records. XXXX The XXXX XXXX is reporting different on each credit bureau XXXX shows {$1000.00}. XXXX shows {$0.00}. Equifax shows {$1000.00}. 

Each credit bureau shows a different date of last active. XXXXXXXX   Shows XX/XX/XXXX. XXXX shows XX/XX/XXXX. Equifax shows XX/XX/XXXX. This account was re-aged and is in violation and needs to be removed immediately. 

This account says Collection/Charged off. How can a collection have a charge off? and if it is charged off why does the payment history have late payments each month? this is a violation of the FCRA
Product: Student loan

They do not offer any help on changing the repayment options. I am struggling to make a payment and they are not willing to help. Very rude.
Product: Credit card

My fianc and I traveled to XXXX, XXXX, on XX/XX/year>. Upon arriving at the airport around XXXX XXXX, we requested an XXXX. After getting in the car, we were forced out and told to use a XXXX  instead, as XXXX was allegedly illegal at the airport. The XXXX XXXX representative assured us it would cost {$100.00}, and attempted to use my credit card. After attempts, they claimed the card wasn't working, so we paid the driver in cash. 
Shortly after getting into the taxi, I noticed that my credit card had been charged XXXX times, {$350.00} each totalling {$1400.00}, under the name " XXXX XXXX XXXX XXXX XXXX XXXX '' between approximately XXXX and XXXX PM. I later realized that " XXXX XXXX '' refers to food and beverages in Spanish. Concerned for my safety and that of my family, I immediately contacted Citibank around XXXX XXXX  ( the ride took about an hour from the airport ) as soon as we got to hotel. However, they refused to investigate it as fraud because I had given my card to the taxi company. They insisted all XXXX transactions had been approved even tho I reported it urgently as they appeared. 
After multiple calls to Citibank, they eventually informed me that the charges were from a restaurant called " XXXX XXXX '' in XXXX, which was far from our hotel. At the time of the transactions, I was either at the airport or in the taxi, nowhere near this restaurant, and I couldnt have ordered food or drinks. Moreover, our hotel was all-inclusive, and we never dined elsewhere or had any dealings with this establishment. 
Despite acknowledging potential fraud and scam, Citibank continues to refuse a proper investigation, treating the matter as a standard dispute rather than fraud and scam, effectively siding with the scammer and putting consumers at a disadvantage. 
They also refused to investigate as XXXX case even tho XXXX chrages occurs within minutes with the same merchadise and the same amount. I have to add I never had any business with this merchandise and I never gave them my credit card information. I used my credit card only to take a cab from airport to hotel. 
Dispute IDs associate with this scam and fraud activities as follows : XXXX XXXX XXXX XXXX Attached a copy of cancelation notice from XXXX that showed how they forced the drive to cancel ( There was no charge if driver cancel ) and it locate us at airport at the time of transactions not a resturant.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  account # XXXX XX/XX/2022 XXXXXXXX XXXX  XXXX account # XXXX XX/XX/2022 In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Bank account or service

I got a XXXX dollar overdraft fee charge. I should not have been allowed to use my debit card but I was able to use it and I was assessed this charge for being negative.
Product: Checking or savings account

On XX/XX/XXXX I was doing my bank statements and noticed a withdrawal from my trust account of {$8500.00} that happened on my XX/XX/XXXX bank statement. I was starting to catch up on my bank reconcilations. My bookkeeper had been sick with XXXX XXXX XXXX and just started back to work. We immediately notified the bank of this. They called their fraud department but to no avail and they denied my claim. We then appealed their decision and asked for proof I did authorize it ( dispute # XXXX ). The bank sent me back information that did not contain any of my information so we appealed it again. It is clear from their proof that it is not my authorization. ( I can provide the proof ) I reported and made a complaint with the OCC. The OCC forwarded it to Santander Bank ( XXXX ). Santander Bank then forwarded me a letter that said they did not have any person to contact regarding this matter at XXXX XXXX so they said in the letter " if they heard from XXXX XXXX they would contact me '' {$8500.00} is a lot of money and it was taken from my account fraudulently. 

I am a real estate agency so by law I must maintain a Escrow ( Trust ) Account that holds other peoples money separate from my Business Account- I have a fiduicary duty to keep all monies separate which I have done. This Trust Account where the money came from was other peoples money, NOT MINE- I have had that Trust account since I opened the account in Santander Bank since XXXX, XXXX, no one else has authorization to take any monies out of my Trust account. 

I need to get that money back as It was not my money- the Bank 's proof is not me. 

They said I did not report is soon enough so they were denying it -- but when I opened the account in XXXX with them I received nothing saying anything about wrongful electronic transfers- They don't seem to understand it wasn't my money to spend!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score keep falling down by a over XXXX points two times in a month! This is while I have on-time payments and {$0.00} balance every month.
Product: Credit reporting or other personal consumer reports

I contacted the companys of each inquiry XXXX by XXXX over the phone asking the company to provide documentation showing i authorized the inquiry or a signed credit application or consent form If they can not provide proof, they must remove. And I didnt not get a clear answer they kept dogging the questions and everything I asked them they did not answer and they could not provide any documentation or evidence linked to the inquiries on my credit report and this might sound crazy a little but when I mentioned code 15 U.S.C. XXXXb I got hung up on and and some companies would go quiet then the phone would get disconnected. So I tried to dispute with all XXXX credit bureaus and they couldnt help so I was left with no choice but to Contact you hoping you can help me. XXXX bless you XXXX loves you!
Product: Credit reporting

Equifax shows a Bankruptcy and a Tax Lien on my credit report. I do not have ANY Bankruptcy or Tax Lien. I disputed the information with Equifax. Equifax said they had investigated the information via a third party and the information belongs to me. It listed XXXX as that third party. I contacted XXXX to see what information if any they had on me and I filled a disputed with them. The investigation was completed. I received a copy of the investigation and was told " Your recent disputed information with XXXX. We have completed our investigation and the disputed information in your XXXX report has been modified or deleted where applicable. I sent the XXXX investigation letter to Equifax but the negative sill appears on my credit report. Letter was sent XX/XX/2016 via USPS certified mail. Letter was signed for on XX/XX/2016 at XXXX, and I am in possession of the return receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I signed up for XXXX Premium Family, when I signed up my profile name was changed to my wifes name, I was unable to utilize the full features of my membership under my ID. Ive been working with customer service since XX/XX/XXXX to fix this issue, on XX/XX/XXXX I closed my account at the recommendation of customer service but that didnt fix the issue. Now Im finding out that my credit report is locked, Im not able to obtain any new credit because of this situation. Escalation ticket number XXXX was opened on XX/XX/XXXX but there has been no effort from Experian to date.
Product: Prepaid card

I bought my card from XXXX XXXX and kept it for use but when I was willing to use the card, I noticed it kept on DECLINING both online and in store, so I reached out to Incomm and I was told to VERIFY my IDENTITY, bc my card had been placed on hold with BALANCE of {$440.00} of which Ive been on the CASE for several months and yet no RESOLUTION, heres the CASE NUMBER assigned XXXX. Please help me CFPB & I will really APPRECAITE, GOD bless
Product: Debt collection

Franklin Services calls 2-3 times daily and exceeds the 7 calls in 7 days WEEKLY. I dispute this debt on a monthly basis with a credit reporting service and they flag my account just as often in a harassment tactic. Please help.
Product: Credit card

I have tried for the past year to get them to get me all the proper documents to verify this account and it has not been verified yet this was open up fraudulently. This is the 3 rd time I have sent a letter to the company
Product: Debt collection

Dated XX/XX/XXXX I received a collections notice from XXXX XXXX XXXX in reference to XXXX XXXX XXXX in the amount of {$550.00}. I don't know who this collections agency ( FCS ) is nor have I agreed to do any business with this organization. I have not signed any agreement of any kind with FCS. Please refer this alleged debt to XXXX XXXX.
Product: Credit card

Citi is pursuing collection XXXX  on charges that are all stemmed from XXXX XXXX XXXX  on me.