23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XXXX, I applied online to open a CD at BMO Alto Bank. Within minutes my application was declined. I followed the suggestion to apply again. Again, I was declined. I believe this is age discrimination. I'm XXXX, own a mortgage-free condo and have good credit. Plus, I was going to give BMO money. I was not asking for a loan, mortgage or credit card. I have credit cards. Of particular concern is that on the application I had to provide my SSN. I believe my SSN can easily be compromised and the bank will claim they don't know me, as I am not a customer.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


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

I have sent request to XXXX, XXXX, and Equifax regarding reporting of a Chapter XXXX on my credit file. I received a letter from XXXX XXXX stating they do not send information to credit bureaus. The 3 major bureau sent me notification stating they received reporting on the account from XXXX XXXX. This is inaccurate reporting as nowhere on my credit file does it state that information was obtained from XXXX XXXX. It specifically states this was reported by XXXX XXXX. I sent the 3 major bureau a 2nd letter requesting this be removed for inaccurate reporting. I received a response again that it had been verified
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Credit Bureau 's for their refusal to remove a charge of collection that was supposed to be removed from my account. Despite multiple attempts, the Credit Bureaus has failed to comply with consumer protection laws regarding the removal of this collection. 

According to 12 CFR 1006.34 ( b ) ( 5 ), the collection agency has not provided validation information as required, yet they have placed a collection on my consumer report. This failure to validate the information raises serious concerns about the accuracy and legitimacy of the reported collection.

Furthermore, I have not been given the chance to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( G ). This lack of opportunity to address any discrepancies or inaccuracies in the reported collection is a direct violation of my consumer rights.

It is evident that the collection agency is violating consumer rights by using false, misleading, and deceptive means. This unethical behavior is unacceptable and goes against the principles of fair and accurate reporting.

Moreover, the collection agency has no authority to furnish any account to a consumer reporting agency without providing all the necessary disclosures required by law. This action is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to address the refusal of [ Credit Bureau 's Name ] to remove the collection. I request that [ Credit Bureau 's Name ] be held accountable for their non-compliance with consumer protection laws and that the necessary steps be taken to rectify this situation.

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the appropriate steps to ensure that my consumer rights are protected and upheld.
Product: Vehicle loan or lease

The payments were becoming to overwhelming to pay every month ; alongside with car insurance, totaling roughly XXXX month. To make matters worse, the transmission had went out ; but i still owed payments on the car. I went to a few car places, some werent able to fix the issue, but one place said that they could. The price that they offered was very outstanding and i couldnt afford it. I retrieved my car, called XXXX XXXX XXXX and let them know i wanted to surrender the car. I dropped the car at a local XXXX dealership ; the representative offered me to buy another car, i refused. The car was putting me in hardship, i thought i relieved some stress by surrendering ownership of the vehicle. Nissan Motor Acceptance picked up the vehicle in about a few weeks ; sold it, sent me a letter stating that I owe over XXXX. Considering that they have sold the car, the amount only decreased about XXXX. Honestly, I think that is too much money that i should be left paying for a car that I do not have possession of anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA violation no knowledge inaccurate Name, Address, Telephone and Inquiries that I did not authorized appeared on my Experian credit  report.
Product: Credit reporting

Equifax is erroneously reporting ( XXXX ) significant items on my credit report:XXXX ) A public record of a " court judgement '' from XXXX NH court ... source XXXX XXXX XXXX the amount of ( {$5000.00} ) This was a small claims court case ... .in which the result was that I lost ( {$600.00} ) ... which I paid immediately..closing the case in XXXX. I can attach the official court documents which support my position. Equifax is reporting this an open court judgment for ( {$5000.00} ). 

XXXX ) Equifax is reporting a public record of a Federal Tax Lien against me from XXXX. This Federal Tax lien was erroneously placed in XXXX, but it was removed from existence ( without having been paid - because it was erroneous. I filed an official IRS Lien Removal Form, which was prompty approved by the IRS. The court of record ( XXXX XXXX NH ) was succesfully updated, and this item came off of the other ( XXXX ) major credit reporting bureuas ... .but Equifax never removed it. 

These ( XXXX ) erroneous items have directly contributed to me being denied an FHA Mortgage through XXXX XXXX bank in XXXX XXXX. I supplied supporting documents to prove this to XXXX XXXX, which they were satisfied with, and subsequently re-submitted through Equifax ... but Equifax refused to remove this erroneous information ... which led to my mortgage application beind denied ... again ... .causing me tremendous financial loss, continuing financial loss ... hardships, and emotional distress.
Product: Debt collection

Im closing on a house. Sequium debt showed on credit report a day before closing. Sequium is trying to collect a debt for XXXX XXXX XXXX phone service that were fraudulent. Someone stole my identity and opened an account with different address, using my name. I Disputed debt with Sequium collection Agency and XXXX XXXX XXXX. Sequium asked me to send request through email for dispute since I never received notification of this debt ( fraudulent address used ). They have not responded, its been over a week. Mortgage company demanding debt to be paid before closing. So now my closing has been delayed 1 week and rate lock about to expire. Will cost me thousands of dollars to extend rate. Thankfully XXXX XXXX XXXX has recalled the debt from collection agency, realizing fraud. Sequium collection agency also admits verbally they can no longer locate the account, shows debt was recalled. The debt Still shows on credit report and Sequium says it can take up to 30 - 90 days to be removed from credit report but REFUSES to help me with some sort of letter simply stating any of these facts so that I may close on my home. Still no response through email either after repeated requests for any validation or invalidation of debt.
Product: Credit card

I received a bill for an account balance of {$72.00} from XXXX XXXX XXXX was due on XXXX XXXX, Payment was made electronically on XX/XX/2024 through XXXX XXXX XXXX XXXX and received confirmation # XXXX. Received another bill on XX/XX/2024 for {$100.00} which included the previous billed amount plus a {$30.00} late fee and a {$3.00} interest charge. 

I called their contact number of XXXX twice on XXXX, 2024 and was informed that they had received the payment of {$72.00} on XX/XX/2024 but it was made to a closed account. I asked since both accounts are tied to my name and social security number why it was not applied to the current account. They were unwilling to provide a solution or to the billing confusion. Instead the requested another payment or additional late fees will be applied every month on the XXXX. 

Meanwhile they are currently holding the original payment of {$72.00}, wanting more money and adding on late fees and interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020
Product: Credit reporting or other personal consumer reports

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I am having issues with my personal information on my credit file. 1st my name is spelled wrong five different ways, XXXX XXXX XXXX is the ONLY spelling that should be on my report. My SS # is XXXX please delete any other SS # on my file. 
I have several addresses showing that do not belong to me please remove the following:XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX  XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

After reviewing my credit file on XX/XX/23 I identified a discrepancy with account listed under ASSETCARE and validation was requested as this was ab account that I did not recognize. I reviewed my credit report again XX/XX/23 and the account continues reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, not has my credit report been updated to reflect the account is disputed. I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX has reported late payments and has not mailed or delivered a periodic statement to me 21 days before the due date. They have failed to send the proof for which I have asked. XXXX, Equifax, and XXXX have reported these late payments without verification and without my consent. 

In addition, I, the consumer, never gave XXXX, Equifax or XXXX written permission or consent to furnish my information or obtain my information. I also sent a remittance coupon for payment on my account. XXXX XXXX has not presented this coupon for payment on my account and has not returned it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC Attn : Division of Privacy and Identity Protection XXXX XXXX XXXX XXXX XXXX XXXX Illinois, XXXX Dear TransUnion LLC , SUBJECT : NOTICE OF BILLING ERRORDISPUTE, DISCREPANCIES IN PAYEE IDENTIFICATION, AND REQUEST FOR CLARIFICATION OF CONSUMER CREDIT REPORTING AGENCIES TRADELINES I am forwarding the attached document to your company for your immediate attention and action. This serves as my final demand and notice regarding the reinsertion or refusal to correct inaccurate information, even when presented with evidence of error from consumer credit reporting agencies. It is important to understand that such actions may be considered a violation of 611 ( a ) ( 1 ) and ( a ) ( 5 ) ( B ) ( ii ) of the Fair Credit Reporting Act ( FCRA ). These violations can result in statutory damages of {$2500.00} per proven violation. Therefore, the refusal to update my credit reports, without a legitimate reason, to reflect accurate information regarding unsecured accounts or alleged debts associated with the unknown creditor or furnisher may be viewed as a violation of the FCRA.

I kindly request that you promptly remove any incorrect items from my credit report and provide me with an updated credit report. Additionally, I expect you to update my consumer files, with the appropriate notation of Account disputed, with the consumer reporting agencies, as outlined in section 611 [ 15 U.S.C. 1681s-2 ] of the FCRA. The unresolved matter has caused me ongoing stress, anxiety, emotional and mental anguish, invasion of my privacy, embarrassment, and significant financial harm. I request that you inform me of the outcome of your investigation. 

Respectfully submitted, I am XXXX XXXX Citizen of Indiana state, All Rights Reserved without Prejudice
Product: Credit card

I wrote and asked for a lower payoff on my account, it was granted, I called and paid the payoff of about {$700.00} and closed the account, so I thought. The bank kept the account open and now has charged me about {$5.00}, which is against ethics and my request
Product: Checking or savings account

What Happened : On XX/XX/2024, between approximately XXXX and XXXX XXXX, I attempted to withdraw {$1000.00} plus a {$4.00} service fee from my checking account using my XXXX  XXXX XXXX XXXX XXXX debit card at a Bank of America drive-up ATM ( ATM ID # XXXX ). During the transaction, the ATM failed to dispense the requested cash but returned my debit card. Suspecting a glitch, I attempted a second withdrawal of {$200.00}, which resulted in an error message from the ATM stating the request could not be processed, and my card was returned again.
Product: Credit reporting or other personal consumer reports

Hello.. I am victim of identity theft recently going through personal things, where all my belongings was took along with my identification card, social security, and birth certificate with so much more I have contacted this company multiple times explaining to them my issue even provided paperwork and proof, still nothing has changed... fast forward to now with hackers from the data breach is using my information when does it stop this has caused me a great deal of stress with no real help.
Product: Money transfer, virtual currency, or money service

I sent my friend {$100.00} on Venmo on XX/XX/21. After I already made the transaction, he told me his account was " suspended '' by Venmo. However, Venmo still let the transaction go through and when I asked Venmo what happened, they said the {$100.00} is in my friend 's Venmo balance. However, he has a {$0.00} in his Venmo account ( and showed me proof ) so it appears Venmo has stolen {$100.00} from me.
Product: Checking or savings account

I had XXXX dollars taken out of my account over 2 days. I did not complete these transactions. I did not have my card on me. It was either taken or lost. I filed multiple reports with the bank on XX/XX/18, XX/XX/18, and XX/XX/18. These were denied. I filed a police report on XX/XX/18. I was told there was insufficient evidence to prove I did not withdraw the money out myself. I asked them several times to check the ATM cameras to see that it wasnt me completing the transactions. I filed 2 complaints with the XXXX XXXX XXXX  and finally got a response from the bank. After tge first complaint I was told by the bank that a male was seen on camera making the transactions. I am not nor have I ever been male. But I was told it was someone familiar to me and that the claim was being denied. They did not show me pictures of the male in question so I have no idea who it could be. I am being told over and over again that I am responsible for transactions I did not approve or complete. I don't know what else to do.
Product: Student loan

On multiple occasions I've used Mohela 's " pay by loan '' feature to submit payment targeting specific loans to have them be paid off so I can save on the interest. Well, rather than submitting payment as I instruct, Mohela will generically submit the payment to all outstanding loans and just push forward my due dates. While I make payments on other loans, the ones that have had their due dates extended simply sit and collect interest. So instead of paying off the loan, months later I'm faced with a large accrual of interest! This is predatory lending and an attempt to keep servicing the debt even after I've given specific instructions to pay off the debt. Mohela owes me the interest thats accrued when the loan should have been paid off. They have misapplied many of my payments over the several years I have been repaying my loans but this latest one was simply the straw that broke the camels back. When you try to communicate, the representatives are either completely untrained or simply indifferent and on several occasions I've simply given up on trying to get something done. Please intercede.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX  Account # XXXXMember ID 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
Product: Credit reporting or other personal consumer reports

CFPB case # XXXX response from consumer complaint dated XX/XX/year> The CFPB email response dated XX/XX/year>, is completely unacceptable. It has prompted me to continue to file federal complaints with your agency but not limited to the State Attorney General 's Office for enforcement. CFPB has failed miserably in its effort to adequately in its due diligence to protect the consumer from fraudulent practices of the companies that are reporting to the CRAs errors and failing to provide Request for Validation of Debt to the consumer, an FCRA violation that I will pursue legally in federal court against the creditor reporting the error, the CRAs who continuously side with furnished of credit but not limited to suing the CFPB for the failure in enforcing compliance. I intend to hire an FCRA Attorney to file ALL complaints against ALL parties involved in the investigation including the CFPB which has sided with criminal companies that hurt consumers ' credit history, and credit scores ; jeopardized employment, and future opportunities for applying for new credit. A police report will be filed against ALL said parties seeking punitive and actual damages for blatant violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) Subsection ( a ) reads as follows : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Once those documents were in your possession, Subsection ( b ) of FCRA 605B ( 15 U.S.C. 1681c-2 ) would apply. Section ( b ) reads as follows : Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. The fraud accounts in question are listed below. XXXX, XXXX and Mechanic Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX is reporting to XXXX and Experian a 60 day late in XXXX XXXX. <P/>The account was NEVER late. The account was in forbearance mode, and then refinanced and closed. <P/>I contacted XXXX XXXX/XXXX/XXXX. Transition updated their information, but XXXX and Experian continue to read a 60 day late in XXXX XXXX. <P/>XXXX/XXXX/XXXX I contacted XXXX and Experian. They told me to contact XXXX. XXXX/XXXX/XXXX I contacted XXXX whom told me the information was updated and sent to the credit reporting agencies. XXXX told me to contact the credit reporting agencies.