23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had a mortgage loan with Ditech Financial. On XXXX Ditech reported paying the county tax collector {$13000.00} even though my yearly tax payment is {$6400.00}. This left my escrow account negative for over a year. I called the county to have the incorrect payment refunded to my escrow account at which time they informed me that Ditech never actually made the payment. I spoke to the Ditech tax department about this and requested a proof of payment. They informed me they will investigate the matter and have yet to provide any proof of payment or investigation results. It has been over 6 months. Ditech has essentially taken {$13000.00} from me in a fraudulent tax payment scheme. Please help.
Product: Credit card or prepaid card

On XX/XX/2015 Capital One reported a late payment to the 3 credit bureau regarding my credit card account. I called Capital one and told them I moved from the previous address and never received the statement and asked if they would please remove the late payment from my credit file. Capital one ignored my request and this late payment has been hurting my account ever since. I have unfortunately been denied credit for a car, house and education loans because my credit reflects a not so desirable payment history due to the reporting from Capital one.  I have faithful been with this bank for 4 years and I would love to continue to be a client if they would correct the information they have reported to the 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have continuously tried to express to the credit bureaus and XXXX XXXX that the account credit card account they have concerning me is not mine and is fraudulent. I am a victim of identity theft and did not open a credit card account with XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, Gemini Trust Company , LLC disabled trading and withdraw on all accounts with a negative balance. This adversely locked my life savings on the exchange. I contacted support to offer solution to move balance fron one of my accounts to another to bring one positive but they refused. 

They were always in possession of the asset ( amp  ) that is down in value but have decided to also lock the additional {$10000.00} cash that was in my account. 

They are also holding their own amounts of ( amp  ) that are down in value while promoting it on XXXX. 

This was my life savings, and as a XXXX XXXX I tried to explain this to them with remedy of situation but to no avail would they solve. It could cost me my XXXX. 


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

This inquiry is unauthorized. I already sent a letter to Equifax, XXXX  and XXXX  multiple times but until now, this still is being reported. I never authorized this company to run my file.
Product: Checking or savings account

I had a case open XXXX. Not sure why it was closed with the response provided back from Bank of America. I had enclosed a copy of my banks ( XXXX XXXX letters in which they sent to Bank of America and Bank of America not responding back. Now my complaint was closed out due to Bank of America stating I need to initiate a claim with XXXX first. This was done 2 years ago and I'm enclosing proof. Bank of America is refusing to respond or pay back the money they owe me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon, book or other credits device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction. 

I, XXXX XXXX, never granted XXXX, XXXX, or XXXX written authorization or permission to furnish harmful and inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violated federal law and my rights as a consumer.
Product: Debt collection

I was contacted by the collection agency MRS BPO , LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX on multiple occasions requesting that I pay off an unknown debt. 

I am unaware of this debt and didn't have the opportunity to dispute this information. If in fact you believe you gave me the proper notification please send me the certified receipt with my name and signature on it stating that I properly received this debt.
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( XXXX U.S.C. XXXX ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX XXXX XXXX  - XXXX - {$3000.00} XXXX XXXX XXXX - XXXX - {$1800.00} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corrected or removed immediately : 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

I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX 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. 
I am a victim of identity theft and noticed a collection from Hunter Warfield. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Hunter Warfield in regards to this matter. The FTC also instructed me to complete a id theft affidavit through XXXX. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid Elvate Recoverie XX/XX/2021, I settled the account for {$390.00}. This was a medical bill. The representative informed me the credit account would be removed from my credit report. I contacted the company and was informed the same information regarding the account would be removed from my credit report. Please contact this company and investigate their policy and procedures for possible consumer deception. 

The account is currently reporting on my credit report.
Product: Checking or savings account

There was a legal order that honored by Bank of America from a XXXX XXXX XXXX that was not a legal document that was signed by any court ( Federal court, State of Indiana- XXXX XXXX, Bank of America-State of Michigan , Bank of America Corporate - Florida ).  Thus far Bank of America has refunded back {$33.00}, {$91.00}, and {$270.00} out of the original XXXX that was requested. Bank of America is now indicating that they have not received an official notice from XXXX XXXX indicating to refund me back the last amount that was in question for XXXX. Originally I was told there was a tax issue with the Indiana Department of Revenue - no tax debt found by them. XXXX XXXX XXXX when called had no identifiable information regarding a debt owed to them. Bank of America Legal Department has only given me a document with my name and ssn on it. Bank of America originally stated this was based on my Indiana Drivers License. This number was never annotated on the document they provided. The documents can be resubmitted if needed for further investigation. There is no other organization listed. I would like my XXXX refunded back into my account for a fictions document that accepted and debit my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are reporting inaccurately on my credit report and are in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX CARD SERVICES # XXXX, XXXX DEPARTMENT 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

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$480.00} US DEPT ED XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dark pattern The creditors on my credit report is all incorrect and I wish to have everything removed due to the companies dark pattern and selling my information
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute multiple times and they failed to respond past the 30 days required. I am a victim of identity theft this account is a fraudulent account. 
A FTC is attached and was sent to the companies and still nothing. I demand this account XXXX XXXX XXXX XXXX BE REMOVED immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a complaint of not being able to get my credit and never received an answer from either reporting agency. Within the last 7 years I have paid the state of Maryland ( {$7000.00} ) and Virginia ( {$6000.00} ) while paying XXXX, Visa, XXXX XXXX and XXXX XXXXXXXX credit cards services ( over {$6000.00} ). I should have a credit score.
Product: Credit reporting or other personal consumer reports

I was a victim of the XXXX and Transunion Data Breach. I want these items Deleted from my Credit Reports. As you can se, the CAPB actually deleted because i was a victim of this Data Breach.
Product: Credit card

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

DISCOVERBANK Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$840.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The removal of the inquiries below they are fraudulent and do not belong on my credit reports EQUIFAX MORTGAGE SER. 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

In accordance with the fair credit reporting act, XXXX XXXX CO XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported a late payment on my credit, this is unacceptable. I didnt even receive any bill nor they didnt even try to call me regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact XXXX, Equifax, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, Equifax, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, Equifax, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX Acct # : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of inaccurate information being reported on my account. The details provided are erroneous, and I believe they are in violation of accurate reporting practices as mandated by the Fair Credit Reporting Act ( FCRA ). 
I sent in multiple requests to have this account information removed
Product: Credit reporting or other personal consumer reports

TransUnion verified an account from XXXX that was not mines. An police report and identity theft document was submitted to both TransUnion and XXXX.
Product: Credit card or prepaid card

I have a Citi Credit card ending in XXXX I have had it for years and have it set up for auto draft through my primary checking. I made an additional payment on XXXX for XXXX dollars, for some reason Citi processed this payment through an old account i keep next to no money in. No idea why it didnt process through my primary account that I have used for every payment for last few years. When my old bank XXXX received the ACH they rejected it and charged me an over draft fee. Citi proceeds to reprocess this ACH every day for last two weeks with it being rejected every day incurring me numerous fees. I have contacted both parties and no one is wiling to help or explain why no one made any effort to contact me over last 2 weeks to make me aware of this issue. I have been charged 4 over draft fees by XXXX and one returned check fee by Citi totaling over 160 dollars. All for one transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account number : XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I have been using Remitly.com to transfer money to my friends in XXXX over the last couple of years. Occasionally, During 2023 I had four transactions that were debited from my account that I had to cancel. I received confirmation emails that the transactions were canceled but the money was never deposited to the account. I have been trying sent XXXX of 2023 to resolve the issue. Basically, they have been blowing my off saying the money was returned even though I sent statements in showing the money went out of the account but was never returned. The four transactions add up to over {$500.00} XX/XX/2023 XXXX USD ( on this one there were two transactions around this date that were canceled and they return one of them ) XX/XX/2023 XXXX USD XX/XX/2023 XXXX USD XX/XX/2023 XXXX USD I have all the cancellation notices and sent them all my bank statements showing the money was never returned. They keep on saying the money was returned and I should have my bank trace the money. They basically stole over {$500.00} from me
Product: Debt collection

Company is re-aging debt that should be listed as XX/XX/2012 as first delinquency. Showing on credit report as a new collection with date reflecting new date.
Product: Debt collection

I was XXXX overseas in XXXX and I made a purchase on XXXX for some documents for my XXXX. I called and told XXXX that I did not receive the document. I also did not have access to the document.They said it was sent. I had previous document purchases with success. This time it failed and customer service said it was not them. XXXX still tried to charge my bank account. I stopped the transaction and filled out a report with my bank. My bank did not pay. 
A year later, I am in a new country, and I get a letter from Convergent Outsouring, Inc. I wrote them what happen and I got no reponse by them. In my letter I wrote I desputed the allegations with XXXX. I received no letter from XXXX, so I assumed the problem was resolved. 
Another year ( XX/XX/2017 ) later I get another letter from Convergent asking for settlement for XXXX XXXX Bank on the XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

These collection accounts were not investigated properly, or at all by XXXX and Equifax. XXXX has deleted. I need for XXXX and Equifax to follow suit. They are also UNABLE to provide me with a method of investigation per FCRA 611. 
XXXX XXXX XXXX ASSOCIATES IN ( Original Creditor : XXXX XXXX ) Also, Equifax is reporting a company without a name on my credit report. There is no information on this company. Who are these people? 
( Original Creditor : ) Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I frequently check XXXX XXXX and I know its not 100 % accurate but a few months ago I checked and some of my medical bills that I accrued when I was XXXX ( now XXXX ) fell off but one came back and twice! Its for {$550.00} each and it says it ( now they ) was ( were ) reopened. I have no idea why, as I have no idea on how to even contact them. Ive moved to 2 different states by now, but thats crazy its reopened and the same amount TWICE. Its hurting my credit and Id really like to buy a house soon. Please help! : (
Product: Checking or savings account

I am an attorney-at-law licensed in the District of Columbia. In or around XX/XX/XXXX, I opened a Sofi Bank Checking and savings account online. I provided proper ID. XX/XX/XXXX a client ( hereinafter : " Client # XXXX '' ) deposited funds to complete a Trademark Filing. Also notably, another client ( hereinafter : " Client # XXXX '' ) paid in a large sum for legal services in XX/XX/XXXX. All was well until XX/XX/XXXX I discovered I had no access to my bank account. Sofi had a statement above my account saying my account was restricted. I called to speak to Sofi customer care and they said I needed to send in my ID while on a live call with them. A few days later, I called and successfully verified with them. Notwithstanding, they said my account was still restricted. I asked why? They said they needed to speak to XXXX # XXXX and Client # XXXX. I initially said I needed to get my clients ' permission for that, I asked my clients who initially said no. I expained this to Sofi and they insisted even though my clients claimed attorney/client privilege. In any event, my clients did agree thereafter and I sent the contact numbers for XXXX # XXXX and # XXXX. Up to now, Sofi did not speak to XXXX # XXXX. As to XXXX # XXXX, he said he would reach out to Sofi since it appears Sofi was not trying to reach them either. Consequently, XXXX # XXXX called Sofi and spoke to them stating that the funds were legal fees to deal with several corporate and immigration matters and that their freeze was holding up their matters. They refuse to give me back access to my large account. I have health issues that are urgently in need of care but Sofi doesn't care. I have yet to hear from the promised Sofi Manager. It appears they are trying to keep my money. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian despite being set up on payment arrangements with XXXX XXXX  and under the CARES act did not report my account as current from XXXX to present. Per Fair Credit Reporting Act inaccuracies should be removed.