23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call today from XXXX XXXX XXXX XXXX XXXX XXXX  ph # ( XXXX ) XXXX they inquired about a T-Mobile account that they claim was past due. I Advised the representative fully paid XXXX XX/XX/year>. I asked her if she was associated with the XXXX XXXX  that I saw on my credit report and she got very rude and defensive. I told her I would like to dispute the account because it was already paid and I could provide proof and I asked her to mail proof that she cant collect the debt and she hung up in my face. I called the number back and spoke to another young lady, and she was very rude. She talked over me, yelled at me and asked me for my Social Security number in order to verify the debt and ask for my card number and my address. I saw that XXXX collection agency has already reported {$190.00} on my credit report as of XXXX XXXXI am not sure if either one of these companies are associated with each other. I advised him not to contact me anymore due to them being rude and not professional, and not wanting to provide proof that they are supposed to even have my information. When I reach out to XXXX they say I do not owe them. When I looked up the attorneys information they state that there is a class action lawsuit against them for attempting to collect debts that are not theirs. Ive had a report with the FTC that number is XXXX.
Product: Credit reporting or other personal consumer reports

Myself and a representative from a company assist me with fraudulent activity have been on hold for a total of 3.5 hours and have not been able to get through on multiple occasions. Please provide updates so I can try to resolve this as quickly as possible. Thank you 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
Product: Credit reporting or other personal consumer reports

Im seeking your help with a misreported account on my credit report. This issue has negatively affected my reputation, and I need your immediate assistance. Your inaccurate reporting has caused significant harm, and its important that you correct this so I can have peace of mind with my family.
Product: Bank account or service

Citibank had a promotion requesting folks open a savings account and deposit money, maintain it for three months, after which customers would receive an account bonus. Through their promo page, I enrolled, opened the account, and maintained the required balance. Citibank has not deposited the bonus as promised. Their customer support appears to be totally in the dark and clueless about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am notifying you that I mailed XXXX, XXXX, and Equifax a dispute letter about their inaccuracies and incorrect information. There was XXXX ( XXXX XXXX XXXX XXXX XXXX ) accounts that I notified them about because I found too many errors and inaccuracies. I mailed the letters out on XX/XX/2021. XXXX, XXXX, and Equifax has not responded to my dispute letters and its been over XXXX plus days and that's a violation. They have not issued a notice of dispute on neither of the XXXX accounts.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address the persistent inaccuracies and incomplete information on my Equifax credit report regarding the XXXX XXXX XXXX XXXX account. Despite multiple disputes and efforts to rectify the situation, the inaccuracies persist, adversely affecting my credit profile. 

I have attached the dispute results from previous disputes filed directly with Equifax on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XXXX, which all resulted in accurate information being removed and replaced with further inaccuracies. Additionally, I filed a dispute with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2022, regarding this matter. Complaint number XXXX.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX
Product: Mortgage

Home purchased with former spouse in XX/XX/XXXX with assistance of XXXX XXXX XXXX XXXX XXXX ( XXXX ) ; divorced in XX/XX/XXXX, did quit claim deed ; laid off in XXXX, underemployed in subsequent job acquired in XX/XX/XXXX, on XXXX in early XX/XX/XXXXas result of complications due to XXXX XXXX ; received assistance from Illinois ' Hardest Hit but require authorization from former spouse to continue ; have no contact with former spouse ; have never had a loan modification ; mortgage company denied request for modification stating an additional {$1200.00} must be brought in monthly to even consider a modification, but if I had an additional {$1200.00} per month I would not need a loan modification ; my ultimate desire is to remain in my home especially given the stress of my chronic medical condition.
Product: Checking or savings account

I opened a checking account with e-trade so that I could deposit a check that my parents wrote me for {$XXXX}. The account was opened on XX/XX/2025 and I used the check to fund my account. I used their mobile check deposit on XX/XX/2025, knowing it wouldn't be deposited until XX/XX/2025. On XX/XX/2025 I received notification from XXXX that the check deposit was completed and would be available pending standard check clearing time of XXXX business days. On XX/XX/2025 e-trade notified me that due to unusual activity on my account some features weren't available for use. I called on XX/XX/2025 and was told my account was restricted because they needed to verify the check with my parents bank. They did a XXXX way call with my parents and their bank, XXXX XXXX Bank but XXXX wouldn't verify personal checks to a XXXX party over the phone. Etrade then told my parents that they needed to send a letter, a copy of their id, and a copy of their bank statement in order to release the funds. My parents would not do that as no other bank has ever required that. The funds however have already been withdrawn from my parents bank. I went to an XXXX XXXXXXXX XXXX  XXXX and XXXX of their agents called my dad and got verification that the check was valid so we called etrade but they weren't able to help us. So the XXXX XXXX XXXX  rep sent me an email stating that she spoke to my dad and the info on the check is correct. The email also included her name, her phone number at the branch, the XXXX XXXX XXXX  signature as well as her XXXX  number. Included was also a copy of the check showing that XXXX processed the check. This was on XXXX letterhead with my parents account information. I then uploaded these documents to my etrade account app hoping that will be enough to get them to release the funds. But they said without verification the funds will not be available to me for use.
Product: Checking or savings account

This is for my wife, English is not her first language. 
She has banked with Wells Fargo for many years and keeps sizable deposit amounts with the bank. Wells Fargo always has people from their branches or other departments calling her in XXXX trying to pitch her extra services, wealth management, investments, etc., but it's not a service she wants, we do that elsewhere. 
My wife has also been a holder of XXXX XXXX XXXX XXXX XXXX credit cards ( two -- one business and one personal ), with the personal card being over 15 years, her longest credit history in the US. When used, those cards are paid off in full. 
In early XXXX, we received a notice that her personal XXXX card was closed because of denied payment having been received twice XXXX or more ). We were shocked, and assumed it was XXXX 's fault because those cards are set to autpay. XXXX said that the auto-draft payments were being denied by Wells Fargo, which we couldn't understand why. 
Then we began calling Wells Fargo to see what happened, these were extremely long calls, being passed form person to person. What we found out is shocking and quite frankly unbelievable, even to the Wells Fargo people on the phone who finally realized what occurred. 
So, rewind back to one of those Wells Fargo " Wealth Management '' solicitation calls to my wife earlier this year, upon discussion with the Wells Fargo people on the phone trying to determine what happened, my wife said one of the " Wealth Management '' ladies who called her said she had some helpful advice to bring to my wife 's attention, that she was paying the same credit card twice, and would my wife like to have her stop this unnecessary duplicative payment. My wife said sure, really in an attempt to get her off the phone and stop annoying her with the calls. It turns out that the Wells Fargo actions blocked all electronic debits/ACH, which then stopped my wife 's automatic bill pay set within XXXX 's website. From the Wells Fargo side, there was a monthly {$35.00} paper check being mailed by Wells Fargo ( which didn't even show in our bill pay area of the account, they speculate that it was set before some online upgrade that Wells Fargo did a decade ago, and just no longer showed on the customer facing side, and in fact it didnt even show on the front line customer service screens at Wells Fargo, only the Bill Pay specialists could find it ). 
So the ever-so-helpful " Wealth Management '' person had blocked all electronic debits by XXXX, thereby causing my wife 's account to go into violation, and XXXX subsequently shutting both accounts down. This is and will continue to have negative consequences, and XXXX said the only thing that can be done is for Wells Fargo to send XXXX a letter explaining what happened and indicating it's no fault of the customer.
Product: Credit reporting or other personal consumer reports

" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''
Product: Debt collection

I did not know the debt was due until i looked on my credit report. I have sent documents to this business asking to prove claim and to fill out the disclosure statement i attached and I did not receive a response.
Product: Credit reporting

XXXX. This Account was opened from XXXX to XXXX, of XXXX - or 2 months 2. Months Reviewed - has 10 months 3. Payment History is inaccurate and is populated through XXXX - which is impossible 4. Please verify Open Close Dates, and Months Reported for review and payment history as they are inaccurate. Equifax - Please do not delete the Pay History and orphan this account - if the account can not be repaired accurately - please delete this Tradeline.
Product: Credit reporting or other personal consumer reports

This has been an ongoing issue. This account has been removed off my credit report now its back on my Equifax report. I am a victim of identity theft and has sent this company all the necessary documents to remove this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious uncooperativeness. I'm including the items which still remain on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$330.00XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ''
Product: Credit reporting or other personal consumer reports

My Nelnet student loans were paid in full ( {$31000.00} ) by another company in XX/XX/XXXX which resulted to a {$0.00} balance. Currently, XXXX XXXX, the account is still showing active on my credit report with the full balance. 

History : I started contacting Nelnet In XX/XX/XXXX because the account was still showing open and with the full balance. Every time I contacted Nelnet I received conflicting answers -- first they said due to their reporting structure, the balance would take a few months to drop off, then they said because I had XXXX late payments back in XXXX ( 5 years ago )- they wont change the reporting. 

At the end of the day- the reporting is wrong... The account is showing open ( but should be reported as closed since it was paid in full ) and the balance should be reported as XXXX. Is there anything I can do to get this reporting updated?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was still erroneous. The 3 credit bureaus must validate this account. It is not authorized to fail to validate this reporting account as unverified information without providing any proof The following account need to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX : {$11000.00}
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.
Product: Debt collection

The Department of Education has been knowingly infringing upon my right to privacy by sharing my information with third parties when I NEVER gave them permissible purpose to do so. The accounts in dispute are a result of identity theft. These accounts do not belong to me, but were verified. It is impossible to verify these accounts on my behalf because I am the original creditor and consumer and I'm the only person who could verify any debt. Also, debt means any alleged obligation and we all know pursuant to 18 usc 8 all obligations are securities of the United States. I need to you to cease and desist all collection efforts or else I will be forced to litigate. You are criminally and civilly liable for infringing on my consumer rights pursuant to 15 usc 1611, 15 usc 1640, and 15 usc 1692k.
Product: Debt collection

I have had this pest of a collections lingering on my credit report. I have disputed on both transunion and credit karma to no avail. 
This has been negatively affecting my credit report although I have requested a debt validation on more than one occasion since XXXX  and I have no received a response.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer credit report and noticed an account that was not reporting accurately. I had 2 late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and Ive attached a copy of my report to this complaint on the following dates ( XX/XX/2020 and XX/XX/2020 ). These CAN NOT be reporting accurately because both of these payments say that they each are 60 days late but XX/XX/2020 and XX/XX/2020 WAS NOT 30 days late which makes this CLEARLY INACCURATE REPORTING. I demand these payments immediately be updated to PAID/CLOSED NEVER LATE.
Product: Debt collection

The debt originated from a XXXX XXXX account in XX/XX/XXXX. A default judgment was entered without my knowledge in XX/XX/XXXXin XXXX XXXX, NY. I resided in XXXX county during this period. 
On XX/XX/XXXX another case was instituted in NJ Superior Court to collect a debt that the statutory collection has expired in NY. I didn't receive any notice for this proceeding. 
The agency and his representatives were aware of my address and didn't send any notice of the collection proceeding. Therefore, depriving me of the right to answer in my own defense. I also didn't receive any original documentation of the source of this debt. 
The account was charged off on XX/XX/XXXX as per the information that I received on XX/XX/XXXX. 
The fact that I have retired  from full-time employment and I don't have the means to pay back any debt and the statutory collection has lapsed in NY and the agency is now trying to collect without doing due diligence in the past. I am now requesting investigation and mediation in this matter.
Product: Credit reporting or other personal consumer reports

Did not authorize any company or companies to pull my credit report.
Product: Debt collection

THE COLLECTION AGENCY IS ATTEMPTING TO COLLECT ON AN ACCOUNT THAT WAS CHARGED OFF BY THE ORIGINAL CREDITOR IN 2005
Product: Checking or savings account

Bank of the West has advertised a promotion that if you open a new checking acct. and have a qualifying direct deposit and also monthly transfer to savings acct., you will get a bonus of {$100.00} and if you make 10 additional transactions within the next 2 months, you will get additional {$50.00}. I hurriedly open the acct.on XX/XX/XXXX before the XX/XX/XXXX deadline made {$250.00} direct deposits to my acct.by XX/XX/XXXX however after 1 week of acct. opening. They issued another promo stating that if you make {$250.00} deposits for 4 rolling months you will get additional {$250.00} I called up branch and they said I am no longer qualified as I am now an existing customer. 
Isn't this deceiving? Shall I close my new acct. and re-open again. 
I would like to take the {$250.00} promo instead of the {$100.00} promo as advertised.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my last step before filing a lawsuit on XXXX XXXX XXXX in the XXXX of Virginia. 
Multiple disputed all documented XXXX XXXX XXXX failed to follow procedure when processing a dispute. They've complete disputes early without actually verify if the information was correct. I've been denied credit cards and loans for this misinformation. It has cause me great stress in my life trying acquire new credit. The information is simply not correct and needs to be corrected or removed. No one should have information being reported differently on all credit reports from the same creditor. When a consumers credit is pulled they are pulling all 3 credit reports and if things don't match up then you may have a problem. For years XXXX XXXX XXXX has been ruining my credit with these ploys. I've taken major steps to repair my credit and they are now a block in the way. I paid debts that were reported correctly if I owed that company and the validation is accurate. 
XX/XX/2021 Sent to XXXX XXXX XXXX a Factual Base Dispute consisting of errors placed by their company against me. XXXX refused to update the information to maximum accuracy. XXXX XXXX XXXX  accused me of using a credit repair services when I have wrote these letters by myself. I will include the 30+ letter that I have used to send XXXX and XXXX XXXX This letter goes over every possible error that I thought I could find, that is causing great harm to my person. I've included proof behind every error. I've sent it to each credit bureau so they can all correct the errors. My intention is to pay all my debts, remove any negative nark against my name, and protect my identity. I also give Equifax and Transunion any Authorization again CFPB be my witness. I will include all copies to identify me. 1 See, e.g., 15 USC 1681e ( b ) ( requiring consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning an individual about whom the report relates ) ; 15 USC 1681i ( requiring a consumer reporting agency to reinvestigate upon receiving a consumer dispute ) ; 15 USC 1681s-2 ( a ) ( 1 ) ( A ) ( prohibiting a furnisher from furnishing information that it knows or has reasonable cause to believe that the information is inaccurate ) ; 15 USC 1681s2 ( a ) ( 1 ) ( B ) ( prohibiting the furnishing of information where the consumer has notified the furnisher that the information is inaccurate and the information is in fact inaccurate ). https : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number, credit card numbers and personal information were breached in the 2017 Equifax breach that was the result of negligent security practices by Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent the credit reporting agencies and collection agencies many letters in XXXX and XXXX of 2023 to give me written notice regarding my debit. The credit report agency sent me a free copy of my credit report and thats all and the collection agencies never responded. Both agencies are in violation of 15 U.S Code & 1692. No one have sent me any written notice about any debit and all refuse to remove the reporting. Not only can I not apply for a home, car, or a credit card ; it has damaged my credit worthiness as a American Citizen.I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report and as a citizen I know that violates my rights as a federal protected consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope you can help me with this problem that I am having with the credit bureaus, especially with XXXX. 

It turns out that I have been sending letters to their offices to investigate certain accounts reported in my report, but the only thing I have received in return is being ignored by them, I have been sending them letters for about 4 months and they still do not deign to answer me. I am tired of trying to repair my own credit and not seeing any results. 

In addition, XXXX sent me a letter saying that they had " Suspicion '' that I was working with a credit repair company, to which I sent them a letter in response. 

I feel that they are playing with my time and credit since in the first letter I attached my ID and a Bill as they indicate on their website.