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

This account has multiple inaccuracies and missing information that do not align with all three bureaus. I have attached a receipt from XXXX showing that I paid in full directly to them and not to the collection agency. If this account was reported as " Charged off '' then XXXX should not have been able to collect directly on this debt. Also attached is an email directly from a XXXX representative stating that if I paid they would remove this from my credit report and my account would be in good standing. I have attached an image of my credit report for all three bureaus and I have highlighted all of the inaccurate information. The inaccurate/missing information includes the following : Account type, Date opened, number of months ( terms ), Payment Status, last reported date, Date last active, date of last payment, and payment history. The entire payment history Is highlighted because it is completely inaccurate and missing information. This is a direct violation of 15 U.S. Code 1681e - Compliance procedures and this account should be deleted from my credit report immediately.
Product: Credit card or prepaid card

A few months ago I was offered XXXXmembership rewards bonus points to keep my Amex Platinum card open for another year, for {$590.00}, and I accepted the offer. 

But since then, for several weeks, my membership account has been unnecessarily frozen for review. 

It is deceptive to make me pay a hefty annual fee for membership rewards points, but then freeze the account for an endless review so that I can't really use the points.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  refuses to remove a foreclosure from my credit report even though it is well past t he 7.5 years beyond the FCRA Date of Compliance. Under FCRA 609 ( a ) ( 1 )  I did request and receive a consumer disclosure file from each CRA in  XXXX  which detailed the Date of First Delinquency an d Date of Compliance as   XXXX / XXXX / XXXX  as reported by the loan originator,  XXXX   XXXX   XXXX .      XXXX  purchased the loan from   XXXX    XXXX   XXXX  and at th at time re --  aged the terms of the loan which is illegal and is being reported to the CA State Attorney General, BBB, and FTC as part of this complaint. The unethical and illegal behavior which  XXXX  continues to harass borrowers with to extend the dates is ludicrous.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  XXXX : # XXXX, XXXX XXXX XXXX : # 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 lo any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

This is an attempt to collect money owed to me by M & T Bank who refuses to return funds back to me, which have satisfactorily been proven to belong to me. This misappropriation occurred immediately following the previous complaint to CFPB. 

1. M & T Bank admit they had the money since XX/XX/2022. They did not quickly inform me of this. They did not immediately return it to me. They only brought it to my attention much later, when their computer kicked out an unapplied funds letter. 

2. They admit they would not return it to me after XXXX stated it would be sent back. XXXX did not investigate any aspect of my account and in a demonstration of how much M & T is trying to keep these funds : - They took my money and made it a " payment to principal '' after saying they do not accept partial payments and AFTER I had been promised the money would be returned to me. 
- They made no attempt to discover where the funds originated until the CFPB complaint - They returned the funds to a third party who has no right to my payments or any further responsibility for my mortgage. 

3. They admit they returned it back to the originating loan company, XXXX XXXX  on XX/XX/XXXX, instead of returning it to me as promised. 

This can only be regarded as malicious retaliation since M & T is aware I have no account any longer with XXXX. How is it not illegal to give my money to someone else, when I should have them sent back, AS AGREED? 

I demand that M & T Bank stop this deliberate attempt to prevent me from obtaining my money. Get my money back in the next 24 hours and overnight me a check. Legal action may follow shortly. 

Please note - previous PDF response from M & T bank contains no attachments or any documents other than the actual letter of reply.
Product: Debt collection

My credit score was reduced significantly by Experian in XX/XX/2025. They claimed I owed XXXX XXXX {$1600.00}. I have never been a customer of XXXX XXXX, nor am I a customer. XXXX XXXX have confirmed this. 
I have contacted the collection agency, XXXX XXXX XXXX twice. They confirm I am not tin their system also. They informed me since I am not in their system there is nothing they can do and I need to clear this up with Experian. 
The person who owes this money has a different social security number than me. Experian had me listed as both this number and my own. 
I filed a dispute by phone on both the false collection report and the wrong social security number. The Experian agent was rude, and I could barely understand him. I did get the wrong social security number stricken from my Experian profile. After numerous attempts Experian has not cleared up this false collection report.
Product: Payday loan, title loan, or personal loan

I inquired about an installment loan which ended up a payday loan with high interest. Upon paying this off as well as my husbands we could not close the account. Countless calls emails were never returned. They kept the accounts opened and charged us a $ 50 monthly fee. Payday loans are illegal here and NC has a suit against them. 

XX/XX/2019 Trying to charge {$970.00} now
Product: Credit reporting

I keep disputing an open collection account from XXXX XXXX. I have contacted this company and Experian to remove this negative information from my credit report and they say they investigated the matter and it just keeps appearing after 3 years. It is also showing on my idenity guard account.
Product: Student loan

XXXX XXXX XXXX ( XXXX, Ga ) is a for -profit school that is holding my transcripts hostage for what they claim I owe {$3900.00}! I attended this university in good faith for XXXX years until suddenly I " maxed out '' my financial aid. Now, it 's kinda odd that this would happen when I 'm XXXX credits into my XXXX credit degree program, but I 'm not the only one this seems to happen to. This school is STILL trying to make a profit off of me even though I could not pay out of pocket to continue my education with them. They are now preventing me from moving forward with my education and are hindering my quality of life!
Product: Credit card

My account is locked. I am unable to log into my account to make a payment or view statements as a consumer. I tried to enter my username and password multiple times and it will not work. I still have a balance and needs access to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent in documents showing inaccuracies on my credit report. I havent gotten a response back yet and it has been well over 30 days. I also sent in a letter following up with them. yet I still haven't got a response.
Product: Payday loan, title loan, or personal loan

I applied for a loan of XXXX , but it wasn't entirely clear what the fees were until after I received the funds. I received a call, and the caller hastily went over the agreement which made it difficult for me to entirely understand what the fees were. 

On their website, my profile states that I have a monthly income of XXXX . They never requested a paystub or any kind of proof of income. I earn XXXX $ Bi-weekly and don't know how they came up with this number. I do not have the ability to pay back this loan with my current income. 

I would like to know what my options are and would greatly appreciate assistance with this.
Product: Mortgage

Escrow did not pay insurance premium on time and insurance will cancel policy if I dont pay again XXXXnsurance Policy due XX/XX/XXXX. Policy bill sent XX/XX/XXXX insurance bulk payment sent by escrow to insurance company XX/XX/XXXX and this did not give enough time for the payment to be received. Therefore insurance co sent policy expiration notice on XX/XX/XXXX. I called XXXX and insurance payment still not received. I paid XXXX the premium today out of person funds. Escrow refuses to overnight money to insurance company
Product: Credit reporting or other personal consumer reports

I have made a payment arrangement with a hospital that I was treated at. we came to terms that the balance would be paid in full after I received my payment from the insurance company. they didn't even give me the opportunity to pay and they put the medical collection on my credit report and it dropped my credit score XXXX points. I was informed by the CFPB that medical collections could not impact my credit score and this has done exactly that.
Product: Credit reporting or other personal consumer reports

You are reporting inaccurate information for account XXXX. The collection agency XXXX AUTOMATED COL has failed to verify this account. The original creditor stated that the account was furnished with an activity date of XX/XX/year>. The balance reporting is also incorrect. I have attached the final account statement from the original creditor showing the activity date and balance. Furthermore, this account has is in a payment plan with the original creditor. I do not owe this alleged debt to this collection agency that is furnishing incorrect information. The credit bureaus are also at fault for reporting false and misleading information. Please remove this inaccurate account from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The three credit bureaus below has violated my rights. XXXX, XXXX and Transunion. 

this is the correct info that should appear on my credit reports. 

Name : XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX  XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 

Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
I recently submitted a request for investigation of an Acct Number : XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within XXXX business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX  SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting

We went to www.equifax.com to order a personal credit report product that supposed to provide XXXX credit reports from Equifax XXXX along with XXXX credit scores for XXXX fee of {$39.00}. After we set up personal information and provided our XXXX debit card number, we were charged the amount of {$39.00} immediately XXXX we verified this when we signed in to check our balance in our checking account ), this amount was immediately debited from our checking account available funds, however, the product was never delivered because of a post identification verification process. The system communicated that we had to call to be verified thru the telephone. My complaint on Equifax is that the company site is set up to withdrawal money from a person 's checking account/debit card XXXX what ever form of payment is provided by the customer ) with out delivering the product. Equifax needs to ask the computer generated identity verification questions first, for some reason, if the consumer fails to answer the verification questions, then Equifax should not immediately charge the consumer for a product that will not be delivered. When we followed the instructions to contact Equifax to be verified by phone, the first representative was rude and she hung up on us. We had to call back and speak to a different representative who communicated that the charge was in process of being reversed but it will take 24-48 hours XXXX business days of course, all this happened on a XXXX so we will not get our money until 4-5 days later ), however, again, this should not have happened. Equifax has had a negative financial impact on our funds. Lastly, the second representative had the nerve to try and sell us another Equifax product that cost XXXX and she guaranteed that it will be delivered ... .This is astronomical and comical that she had the nerve to try and get another payment from us before Equifax had reversed the first XXXX. Equifax , we are consumers that do not have a lot of money, please fix your website so that consumers are not charged for a product that will not be delivered.
Product: Credit reporting 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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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. 

I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND TRANSUNION DID NOT RESPOND. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a call from a " company '' claiming to collect a debt. Asked me to verify the last XXXX of my ssn. I did n't verify as I suspected it was a scam and the caller got very upset when I requested to have the information sent to me in writing. I asked the caller to state the company name several times and she did not and after I explained to her I 'm not confirming anything because " this could be a scam '', she hung up on me. Basically confirmed my suspicions.
Product: Credit card or prepaid card

i activated and created an account on the website XXXX   which is own by blackhawk center and i am unable to log in to the account. when i try to reset the password i get this message " Oops. We're unable to process your request at this time. Please try again later. '' i have called the number provided on the website and i am told that i would receive a email with a link to reset the password but the email is never send. i have money on this card that i am unable to use because i can not access my account.
Product: Credit reporting or other personal consumer reports

I have identified certain transactions on my consumer report to be a result of XXXX XXXX I confirm that I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Therefore, I am requesting that the reporting of this information be removed, blocked, and deleted with in 4 business days from the receipt of this letter. The effective dates of my request to block and delete shall begin from the date of this letter XX/XX/year> and extend for a period of XXXX  years without exception. Please note that my request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction conducted by me as the consumer, nor can any information contained on my existing consumer report be used to determine if I have received possession of goods, services, or money. Please send me a statement signed under the penalty of perjury with evidence of this counterclaim if you know otherwise. 

Please see identified transactions below : CONSUMER ACCOUNTS : Account : XXXX  Account Number : XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Account : XXXX XXXX XXXX Account number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Reporting act XXXX Account # XXXX, have violated my rights. I have not received any verification of debt or reply. company violated the cease and desist by reporting to credit bureau without providing me written proof as requested. i have not received any proof of debt of signed document by me that validates the debt and its been over 90 days. laws in 15 USC 1692 have been violated by the company 's actions and i request you to remove this negative account from all bureaus IMMEDIATELY! will be looking to file suit and complaints with FTC because my rights and livellhood has been affected by their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts being reported by NCA incorrectly. I disputed the accounts with them directly as I do not recognize them as mine. Upon calling NCA for more information, they advised me these accounts were opened in XXXX. However, they are intentionally reporting the open date as the date they received the accounts in their office ( XXXX ). This is making a significant impact on my credit score. I have attempted to speak with them, as well as disputed the reporting through XXXX XXXX with no avail. I dont understand why this is allowed, so that not only does it have more of an impact on ones credit, but they are also able to report for far longer than they should be able. I want this fixed immediately. As well as docs to prove these accounts are even mine in the first place, as I have never taken out these loans!
Product: Credit reporting or other personal consumer reports

Dept of Ed is still showing that I owe {$36000.00} in student loans and responded to the last complaint saying I still owe, DESPITE me providing documentation showing PAID IN FULL. This student loan has been paid for for quite sometime. I WILL NOT pay a second time for something I DO NOT OWE. On top of that, I became XXXX 3 years ago after a XXXX XXXX XXXX that STILL requires further XXXX  and has left me unable XXXX  XXXX, do my daily activities, left me with EXTREME nerve damage, and I am in the middle of a malpractice claim for. The LAST thing I need is for someone to report FALSE information to my credit, since I may need my credit for my XXXX. 

I do not know how many times I have to complain until SOMEONE takes it seriously and stops reporting " verified ''. 

I am providing two documents from XXXX showing the student loans were paid in full, as well as photographs of my leg injury that I am dealing with. 

I have paid my debt in full and now am faced with a lifetime of XXXX and have to continue to fight for what is right against companies that simply buy and sell false information. 

Again, this debt is paid. I WILL NOT PAY AGAIN, even if I could. It is sad that companies like this can continue to destroy the lives of the innocent, especially those who are a disabled. I hope people are proud of themselves for picking on the weak. Nothing but a bunch of bullies.
Product: Credit card or prepaid card

I was trying to make a payment to XXXX XXXX XXXX. 
The payment was due on the XXXX of each month. 
Made a payment online and received a message that confirmation was delayed but would be sent in 30 minutes. 

Tried the process twice, made copies of the error message. 

Received an email that my payment was late. 

This has happened twice since I received the card. 

A customer service representative called me about my late payment. 
Informed him of the problem I was having. He told me he does not handle that department on late payments.