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

I am writing to report an account listed on my credit report that I believe is inaccurate and does not belong to me. The account in question is Apple Card/GS BANK USA . 

Details of the Situation - XXXX # XXXX The account was reported on my credit report dated XXXX,2021 and shows closed, such as the balance {$3300.00} payment status, - **Inaccuracy** : I have no affiliation with this account. I have never opened, used, or authorized any transactions related to this account. This could be a case of identity theft, a clerical error, or inaccurate reporting. 
- **Impact** : The presence of this inaccurate account has negatively affected my credit score and my ability to obtain credit. I have been denied credit applications and faced higher interest rates because of this erroneous information.

**Actions Taken** : I have already attempted to resolve this issue by [ describe any previous actions you have taken, such as contacting the creditor, disputing with credit bureaus, etc. ]. Unfortunately, these efforts have not resulted in the removal or correction of this account from my credit report. 

**Resolution Requested** : I request that the Consumer Financial Protection Bureau investigate this matter and assist in the removal of the inaccurate account from my credit report. I believe that correcting this error is essential to ensure my credit report accurately reflects my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I made the decision to use my rights under FCRA, it was with the intent of fighting any inaccurate or incomplete information in my credit report. By doing so, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner that is compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness.This is just an allegation. There is no proof that I am delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you can't just decide which rules apply to your organization, so I won't let anyone report any false claims. It is important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account.It 's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Please confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate
Product: Student loan

XXXX XXXX systems and Ben Franklin financial I was looking for a school because I was pregnant, looking for a way to better our lives, I looked into XXXX programs. On XX/XX/XXXX XXXX XXXX systems called me back and told me I would be on scholarship and made everything sound good. On XX/XX/XXXX I found out I miscarried and the baby had been dead XXXX weeks. I was unaware of the 3 day cancellation period and under a lot of pressure and overwhelmed. I couldnt cancel so I still tried to make it work. 
I was told the program was accelerated also but thats not the case. The last straw for my mental was looking over the contract they sent in the mail weeks later after sending it without the proper postage and the mailman asking me for the money to cover the postage fee because they improperly sent it. I did not have the money as I was out on leave. 
My church was going to help pay for a year and when we looked over the contract, it looked like my car contract with an insane interest amount, that I was never told about. XXXX for prerequisites that may or may not transfer over. I also received a letter in the mail saying that they will start garnishing my wages. 
They prey on people that are looking for a way to better their lives and take advantage. 
All the acknowledgements are not initialed. 
My information is not even correct. I had just started my job XX/XX/XXXX. That was no where near 2 months and I was on leave when I signed up.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1700.00} XXXX  XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX  XXXX XXXX XXXX : {$4300.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$990.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Kindly expunge these fraudulent accounts from my credit report, as they are not mine and were unknown to me. Per USC 1681g, I request their deletion within XXXX  days. Enclosed are supporting documents.
Product: Mortgage

I have my bank automatically send my mortgage payment to my mortgage company, Mr. Cooper. My bank shows all payments since the start of the mortgage have been accepted by to mortgage company. The mortgage company has stopped applying the payments to my loan since XX/XX/2023 and has sent me a letter threatening foreclosure. The only means to contact them provided by them is a phone number that is answered by an automatic answering program. This program does not have any options to address the lack of applying my payments to my loan. When I ask or try to talk to one of their representatives the program hangs up the phone. The web site also does not provide any way to address this problem or to talk to a representative of their company. This appears as an attempt to force me to refinance my loan at a higher interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not understand what is going on with XXXX. They reported a missed payment for XX/XX/2023 while I have made my payment and I have attached the receipt on here. From their own website ( XXXX  ) as of XX/XX/2023 my balance was {$250.00}, I have attached a screenshot on here for review. I then paid {$250.00}, I have also attached the receipt here. Surprisingly, after that payment my balance went from {$250.00} to {$4.00} instead of {$0.00}. Nevertheless, I paid the {$4.00} and my balance shows XXXX XXXX XXXX XXXX. I do not understand why they reported a missed payment for XXXX while I have made my payment. Remove that missed payment. I have paid and I have uploaded the proof
Product: Credit reporting or other personal consumer reports

Chronological Narrative of Events : 1. Equifax Data Breach ( XXXX ) : o Equifax suffered a massive data breach, compromising sensitive personal and financial information of over XXXX XXXX Americans, including mine. The breach exposed my data, making me vulnerable to identity theft. Confirmation of my inclusion in the breach is supported by the Equifax Data Breach Settlement website. 
XXXX. Identity Theft Emerges ( XXXX ) : o Following the breach, fraudulent accounts and unauthorized inquiries began appearing on my Equifax credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) o These accounts and inquiries were not initiated by me and are a direct result of identity theft enabled by the data breach. 
XXXX. First Dispute Filed with XXXX ( XX/XX/XXXX ) : o Recognizing the fraudulent nature of the XXXX XXXX XXXX account, I disputed it with XXXX. Following their investigation, XXXX determined that the account was unverifiable and removed it from my credit report. 
XXXX. First Complaint to Equifax via CFPB ( XX/XX/XXXX ) : o I filed a complaint with Equifax, requesting removal of fraudulent accounts and inquiries, including XXXX XXXX XXXX, citing FCRA 605B ( identity theft ) and providing supporting documentation. Equifax responded that the items were verified as accurate but failed to provide documentation to substantiate this claim. 
XXXX. Second Complaint to Equifax via CFPB ( XX/XX/XXXX ) : o I submitted another complaint, highlighting that the same XXXX XXXX  account had been removed by XXXX but remained on my Equifax report. I provided additional evidence, including XXXX 's deletion notice. Equifax again claimed the account was accurate without proper investigation, violating FCRA standards. 
XXXX. Third Complaint to Equifax via CFPB ( XX/XX/XXXX ) : o I submitted a complaint regarding multiple fraudulent accounts tied to the Equifax data breach. This included XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I attached my FTC Identity Theft Report, affidavit, and other evidence demonstrating the accounts were fraudulent. Despite this, Equifax failed to remove the accounts, citing unverifiable results yet again. 
XXXX. Equifax 's Consent Order with CFPB ( XX/XX/XXXX ) : o The CFPB issued a consent order against Equifax for systemic failures in dispute investigations, inaccurate credit reporting, and reinsertion of deleted items. Equifax 's ongoing issues align with my experience, as they failed to comply with FCRA requirements in my case. 
XXXX. Most Recent Dispute Outcome ( XX/XX/XXXX ) : o Despite submitting extensive documentation, Equifax 's response continued to verify fraudulent accounts as accurate without adequate investigation. This included XXXX XXXX XXXX and others. Additionally, the response was generic, ignoring the specific discrepancies and prior decisions by XXXX to delete identical accounts.
Product: Credit reporting or other personal consumer reports

To whom it may concern : This document is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified. You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the lack of evidence in this complaint. I don't think your report is accurate. I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the XXXX  XXXX : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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 NUMEROUS 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 items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} 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: Vehicle loan or lease

My vehicle loan is through Ally Servicing/Ally Bank . When I got my truck in XXXX, my payment was going to be ~ {$1000.00}, due on the XXXX of each month. I soon realized that this payment date wasn't working with my paydays ( I am paid monthly ), so I contacted Ally ( in early XXXX ) to request a different payment due date, as I was starting to incur fees. I was told THIS WAS NOT POSSIBLE. 
Since I am paid at the end of each month, and the payment is due on the XXXX, and a grace period of 15 days is allowed with Ally before fees are assessed, I decided to just pay extra each payment, depending on how much I could afford, ranging between {$1000.00} -- {$1100.00}. I did this with the understanding that I was addressing the fees that I had no way of avoiding. 
I logged in to make a payment today, XX/XX/XXXX, and saw that I had a balance of over {$900.00}, due immediately, on top of my {$1000.00} payment, or risk my account being delinquent. 
I called the customer service line and asked to speak with a supervisor. At this point, I had tried to address the problem with Ally before it snowballed to where it is now. I paid extra each month, not realizing that Ally was putting that towards the Principal.

The customer service representative refused to transfer me to a supervisor and kept talking over me when I was trying to explain my frustration.

It is hard for me to advocate for myself already, let alone negotiating bills/debt, but there was no way I could afford ~ {$900.00} out of nowhere.

Somehow, unsure how we got to this point, the lady I spoke with stated that I have until XX/XX/XXXX to pay a reduced amount of {$400.00} to bring my account current, AS SHE ALSO MADE ME MAKE A PAYMENT OF {$1100.00} BEFORE SHE WOULD ASSIST.

In the end, I asked to confirm that my account was at least notated that I called today, but I'm not sure if it is.
Product: Credit card or prepaid card

On XX/XX/19, an unauthorized charge to XXXX in the amount of {$400.00} was made on my Citi Credit Card account. I reported the charge immediately after it was discovered, closed the compromised account, and received a credit for the {$400.00} on a new account that was opened. On XX/XX/19, I received a letter from Citi stating that the credit would be reversed because the XXXX package was sent to my home address. The XXXX package was delivered to my home address however, I did not purchase the package, nor did I authorize the purchase. I did not return the package to XXXX because I was assured by Citi that I would be credited for the unauthorized purchase, and I did not want to commit fraud by being reimbursed from both Citi and XXXX. Because I was assured by Citi that the dispute would be resolved in my favor, I donated the package to a local food bank. I have not ordered anything from XXXX before or since this dispute and I have not disputed a charge before XX/XX/19. I sent a letter to Citi on XX/XX/19 explaining the situation and the various reasons why a credit card thief might send a package to the victim 's home, but I have not received a response. I simply want {$400.00} credited to my Citi Card account because I did not purchase the XXXX products and I was assured by Citi that I would not be penalized for the unauthorized charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCYS TO MAKR A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Money transfer, virtual currency, or money service

I withdrew money from my retirement account with XXXX XXXX. I was issued a check on XX/XX/XXXX, it was received signed and mailed to my bank XXXX XXXX XXXX XXXX  ( not located in my state ). Placed in the mail on XX/XX/XXXX in a priority mail envelope. XXXX made aware check was not received by my bank abd iwas told it was cashed. Check was stolen in the mail. USPS police notified. XXXX then sent copy of check to me and affidavit of forgery was filed. From thence i was told it could take up to 120 days to hear from Wells Fargo. I followed up with XXXX every one to two weeks and informed that " Wells Fargo has not responded ''. I called today XX/XX/XXXX to find out the status and was told that as of XX/XX/XXXX Wells Fargo denied the claim because the check was endorsed by me originally. I was never notified by XXXX. I was given the phone # to Wells Fargo Fraud dept. XXXX. I was told Wells Fargo was unable to help me because I do not have an account with them, however they did inform me that this was not handled properly and that XXXX should re-file because it is illegal to cash a dually endorsed check. Can you please help me with this process.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. This is the count that I marked as inaccurate, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Complaint XXXX was placed on XX/XX/2023, the investigation was not responded to until XX/XX/2023. This investigation took 37 days which is over the 30 day time limit to investigate the information and must be removed. No additional information was sent by me the consumer to warranty a 15 day extension.
Product: Debt collection

I have reported Midwest Recovery Systems to all XXXX credit bureaus. This debt is not mine. Never received written notice that I owed a debt to anyone. I called them today XXXX/XXXX/XXXX as soon as I saw it on my credit reports. I demanded an explanation to why a debt that is not mine was on my report and the lady hung up on me. I called back but got voicemail.
Product: Mortgage

My mortgage was sold to PHH. I pay my own homeowners insurance. I do not have an escrow account attached to my mortgage. In XXXX, XXXX, my homeowners insurance policy renewed with XXXX XXXX, which I paid in full. In XXXX, XXXX, l moved my homeowners insurance to XXXX. There was never a lapse in my policy. In XXXX, XXXX, I received a letter from PHH, requesting my homeowners insurance information. I provided it to them by email. Additionally, I spoke with over the phone about the issue, in order to ascertain which documents they were requesting. They never sent me any additional letters or emails. I was under the impression that the issue had been resolved and would not require further action. In XXXX, XXXX, I looked at my mortgage statement and observed a " shortage '' amount placed on my account, under " escrow '', for XXXX. I contacted PHH by phone again, and they were now requesting additional documents, showing the XXXX policy cancellation, and the XXXX policy going into effect. I emailed them the documents again. In the meantime, I was forced to pay part of the shortage, due to them placing it on my mortgage. If I did not pay it, I wouldn't be able to pay my mortgage, due to it being included in that payment. I have since contacted them by phone and email. They are now claiming they need to speak to XXXX, and they state they are conveniently unable to contact them. I respectfully request intervention due to this unhinged business practice, and want a full refund of XXXX, which includes the amount I have already been forced to pay. I have attempted to resolve this issue with them, both in writing, and over the phone, to no avail.
Product: Money transfer, virtual currency, or money service

I've had and used Zelle for several years. I've sent money to the wrong person awhile ago without being asked to verify who it was being sent to. This wasn't an option until recently.
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt that Comenity Bank for Victoria 's Secret, Torrid , Lane Bryant, and XXXX XXXX is trying to collect is outside of the statute of limitations in North Carolina where I live and where the card was opened is 3 years. My account number for Comenity Bank for Victoria 's Secret is XXXX. My account number for Comenity Bank for Torrid is XXXX. My account number for Comenity Bank for Lane Bryant is XXXX. My account number for Comenity Bank for XXXX XXXX is XXXX. It has been more than three years for all accounts. I have disputed the information with all credit bureaus and company and the company will not remove the information from my credit reports with the Bureaus although it is now a zombie debt. The statute of limitations is 3 years and we are well past that. The company 's neglect to remove this debt is hurtful to my credit profile and ability to live with financial freedom. I would like the account removed immediately from all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the Experian and XXXX credit bureau doesn't care at all that I want to dispute unauthorized inquiries that reporting on my credit report. Since this is a strict violation of FCRA laws I need the inquiries removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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, XXXX XXXX XXXX, and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. When I tried to dispute discrepancies found, XXXXXXXX XXXX only solution was to freeze my account, change my login and account credentials, and send me a new debit card.