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

The following accounts and inquiries have been reported as fraudulent as per police report : The following accounts and inquiries have been reported as identity theft, they have been illegally made under XXXX XXXX name and SS # XXXX : 1.XXXX XXXX XXXX {$3900.00} 2.XXXX  XXXX {$27000.00} Illegal credit file access due to identity theft : 1.XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported inaccuracies on my credit report. I've requested the inaccurate information to be removed. The credit bureau has not provided any verified or factual information to me as to why the inaccurate information is remaining on my credit report. 

XXXX XXXX XXXX : Account # XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX  : Account # : XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX XXXX XXXX : Account # : XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX XXXX XXXX XXXX : Account # : XXXX Inaccurate information reported. This account was paid in full and voluntarily closed by me. It was not late.
Product: Checking or savings account

Two complaints have already been filed. They are open XXXX submitted on XX/XX/XXXX and XXXX submitted on XX/XX/XXXX which was closed without any proper resolution by US Bank. 
US Bank in its letter to me dated XX/XX/XXXX clearly states that money will be returned to XXXX XXXX XXXX by XX/XX/XXXX within XXXX business days. 
I called today the fraud department and found out new information. Money will not be returned unless XXXX XXXX XXXX  submits new documents that US Bank has asked for. This is a completely new requirement, and it reinforces my belief that US Bank will possibly never return the money with a net gain of {$24000.00} to its accounts. 
The end date goalpost has also been moved from XX/XX/XXXX. It is now end of next week XX/XX/XXXX. 
I will have to call every day and file a new complaint until my case is resolved.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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 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

I can't refinance my house due to incorrect information in my credit report ( bankruptcy ) Experian
Product: Debt collection

I've tried many time to get them to validate this debt and never got a response and continues to report. I even sent a certified settlement letter last XXXX and still did not get a response, however they removed the account from XXXX  & XXXX  but NOT XXXX. They continue to report to transunion every month and need to have this taken care ASAP. 

Attached is a copy of the Certified Postage that it was received and a copy of the settlement letter.
Product: Vehicle loan or lease

My online account states You've partially paid ahead month after month and shows a lesser amount then what my monthly payment is. This lesser amount is never shown as my actual payment nor is it shown as a past due amount. This number is also never combined with my current monthly payment. ( For example, if the past due amount is {$25.00} and the current monthly payment is {$300.00} then the total amount due is {$320.00} ) This example is never shown in my account. The entire time I am thinking the account is paid and I am paying extra money into it each month to pay it off sooner ( hence the reason why I am seeing the message " You've partially paid ahead! '' ) When I called to discuss my account and why my balance is NEVER going down it turns out I am being charged in the background all while my account is giving me positive queues about how I am paid ahead. I've already paid over $ XXXX on a XXXX loan ( this information was provided by the call center ). The local branch can not tell me what I have paid so far. The interest rate does not match what I have paid in. The online account where I make my payments and view my account details are extremely deceptive telling me how great I am doing by paying ahead all the while I'm not ahead according the the branch manager.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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

XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXX ftc violations sent over 35 days
Product: Credit reporting or other personal consumer reports

these are the accounts that I've marked inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had a late payments on an account that i 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 payment on the following date XX/XX/year> I'm now requesting you investigate this account and update this payment to paid on time Immediately. Thank you for your understanding and prompt action. 

Acct # 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

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED USDOE/XXXX  US DEPARTMENT OF EDU US DEPT. OF EDUCATIO Experian XXXX XXXX XXXXXXXX XXXX, TX 7XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED USDOE/XXXX  US DEPARTMENT OF EDU US DEPT. OF EDUCATIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED USDOE/XXXX  US DEPARTMENT OF EDU US DEPT. OF EDUCATIO
Product: Credit card or prepaid card

On XX/XX/2018 I used my bank 's bill pay to pay my electric bill for {$260.00} and accidentally put the amount on the wrong line. I got a late charge from my electric company. It went instead to my Citi Sears credit card. I had a XXXX  balance due on this card and it is a closed account. I have been trying for months to get them to return my XXXX balance. i keep contacting them ( 6 or 7 times ) and they keep telling me the check is being sent to me but it never arrives. I check my mail every day and am so frustrated, I really need the money. I don't know what else to do. the card number is XXXX XXXX XXXX XXXX. the name on the card is XXXX XXXX XXXX. Pleas help
Product: Bank account or service

In XXXX XXXX i make deposit in my acount TD Bank transaction {$100.00}, {$100.00}, {$110.00}, {$60.00} total $ XXXX, 2016 time XXXX balance was {$360.00} TD Bank overcharge XXXX XXXX XXXX XXXX 2016 and XXXX XXXX 2016 no explanation.
Product: Credit card or prepaid card

Online payment made of {$2000.00} XX/XX/XXXX. Online system reported an error and requested that payment be cancelled and reapplied. Payment amount was cancelled and reapplied in the amount of {$2000.00} w/o confirmation of payment.XX/XX/XXXX checked the account and no payments were applied neither was there a payment confirmation., thus payment of {$2000.00} was reapplied and only " then '' did I receive a payment confirmation for the posted amount of {$2000.00}. XX/XX/XXXX, I went online to pay balance of {$620.00} and DISCOVERED that two payments in the amount of {$2000.00} totaling {$4000.00} was scheduled to be drafted from my bank account! I immediately notified the company to discuss why this happened and was unsuccessful in resolving this issue with agent, secondary to a lack of communication ( listening/comprehension ). I spoke with three supervisors on the XX/XX/XXXX and neither of them could resolve and the latter insisted and requested a check to be mailed to me ( {$1300.00} ). I continued to inform her that this was erroneous and that the company did not " owe '' me any money. I only wanted the company to see that their was a system error that posted an " additional unauthorized payment amount of {$2000.00}! '' The three supervisors ALL contested that my account was paid in full and nothing further " needed '' or " could '' be done in this matter. My spouse called on XX/XX/XXXX and spoke with a supervisor who canceled the check {$1300.00} and yet the check was applied to my account on XX/XX/XXXX. My spouse also spoke with another supervisor XX/XX/XXXX due to an overdraft by my bank and she issued a {$35.00} credit for the inconvenience. As of XX/XX/XXXX, XXXX the canceled check has been applied to my balance {$620.00} leaving a balance of {$2000.00}, CRAZY
Product: Credit reporting or other personal consumer reports

I am writing a formal complaint against XXXX their deceptive practices and failure to remove inaccurate and unverifiable negative accounts from my credit report. The Bureau 's recent order against TransUnion, issued on XX/XX/2023, provides clear evidence of their violations of consumer rights and regulatory requirements. 

According to the Bureau 's findings, TransUnion has engaged in deceptive practices by failing to place or remove security freezes and locks on consumers ' credit reports in a timely manner. This failure has affected tens of thousands of consumers, including vulnerable individuals, for an extended period of time. 

As an affected consumer, I have personally experienced the detrimental effects of TransUnion 's deceptive practices. Despite bringing the inaccurate and unverifiable negative accounts to their attention and requesting their immediate removal, TransUnion has failed to take appropriate action. These negative accounts continue to hinder my ability to obtain credit and secure housing, causing significant financial and personal distress. Again, despite raising this issue, and pointing out clear violations. I have not received any notifications regarding the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the credit bureaus, and I have yet to receive a response I kindly request the Consumer Financial Protection Bureau to investigate my complaint thoroughly and hold TransUnion accountable for their deceptive practices and failure to rectify the harm caused to consumers. It is imperative that TransUnion promptly removes the inaccurate and unverifiable negative accounts from my credit report. 

I have attached a copy of my previous letter to TransUnion for your reference, outlining the violations committed by TransUnion and my request for removal. I kindly request your assistance in resolving this matter and seeking a fair resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the following dates XX/XX/2018 and XX/XX/2018, I drafted and mailed dispute letters to TransUnion in regards to inaccuracy that they are reporting on my credit profile. The accounts are as follow ; XXXX - Closed XXXX - Closed These two accounts are reporting late each month though they are actually closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a dispute with Equifax due to false negative item on my report. The confirmation number for this dispute is : XXXX  for the amount of {$2300.00} ( monies owed to landlord ). I called them on XX/XX/XXXX to check on the status of the dispute. The agent informed me that the company was able to confirm the accuracy of the item ; however, they never contacted me via phone, mail, or email to advise me of this information.I even went online to check on the status, and it had no status pending. To my understanding, they have 30 days to respond and give me the results of the dispute. After speaking with an Equifax representative, they informed me that they can send a copy of the dispute resolution via mail/email ; I never received the documents. I 've been dealing with Equifax for 6-8 months and they never respond to me, unless I report them or call to complain. As Americans, our entire livelihoods somewhat revolve around our credit score. So as of XXXX ( today ) I filed another dispute for the same negative item with Equifax and my new confirmation number is XXXX. If something is wrong or incorrect, it can impact our lives tremendously. The negative item does not belong to me and is not my responsibility. I reached out to XXXX XXXX XXXX ( the debt collecting agency ) and they also said, there 's nothing they can do. I, honestly, do not know what I should do next, which is why I 'm reaching out the the CFPB.
Product: Mortgage

I have sent several complaints to CFPB and CFPB isnt addressing the violation of Respa violations that have occurred by the new servicing company SN Servicing. 

SN servicing has refused to provide me my Amortization and has lied to the courts stating I didnt pay my mortgage payments as of XXXX of XXXX. I made payments and used their system which can be detected through their own software as well. I was also informed by their own employee that the board members didnt want my loan and were going to force me into a foreclosure. How is it legal that this is even allowed and why isnt CFPB allowing this to take place. Its illegal whats transpiring. I want CFPB to be held accountable for what they are illegally allowing to happen. I have been paying on my mortgage since XXXX and I loss my father in XXXX and my brother in XXXX from XXXX. Its a XXXX shame that this is allowed to transpire. We give billions away of tax payers money to XXXX and other countries but law abiding citizens are getting XXXX  by mortgage companies and our own government. This needs to hit air ways and the public needs to be informed of what CFPB is doing to consumers. This is stealing..
Product: Student loan

Payment history is not up to date. Last payment reported was 3 months ago.
Product: Vehicle loan or lease

ONE MAIN You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering l lost funds was impossible and that tracking the transactions was unfeasible. The CFPBs findings indicate that Zelle not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

I have asked Nationstar Mortgage XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ) to provide me with document to show me how did they lose {$22000.00}. What i mean is document shows itemization. i have contacted them twice and each time they promise someone will call me.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a home but on my report I noticed there accounts that were deleted off my report due to identity theft are reporting again I want to get rid of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX have Failed to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95- 6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act
Product: Debt collection

I lost my job due to illness and was not able to pay -never received documents. Placed on my credit for collections.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block , inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act CFPA. Specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

Experian did not properly investigate my request to remove XXXX XXXX XXXX XXXX of my report. XXXX XXXX XXXX have received multiple debt validation requests over the last year certified mail ( sent last request XX/XX/year> ). Neither XXXX XXXX XXXX or Experian is willing to cooperate with debt validation or removal requests.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : XXXX. Name : My current legal name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

XXXX. Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. I request that my current address be updated accordingly. 

XXXX. Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that my employer be updated. 

XXXX. Date of Birth : XXXX I request that my XXXX be updated accordingly.
Product: Credit card or prepaid card

This is rebuttal from Citi 's response. I did receive the letter however there was no payment history received!!! All I received which has been attached is only a typed letter from the company with date but there was NO evidence provided to back up the letter they mailed. I WANT TO SEE THE PAYMENT HISTORY. I was not asking about the release of debt I was asking for the actual payment history.
Product: Debt collection

They are trying to charge me the debt of like 6 months or so when if anything i didn't sign a contract with the gym and all they ask is a month after if you cancel it so I don't get how they can get away with it.