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

On approximately XX/XX/2018, I received a billing statement from XXXX XXXX at my Mother 's address. I have not resided at that address for over 3 years, in fact- I live in a different city entirely. Apparently, the person who applied for this credit card did so in XXXX XXXX I do not live nor have I ever visited XXXX XXXX XXXX They also used {$490.00} of the {$500.00} limit. I did call XXXX XXXX and filled out a document that they sent to me- I made a copy of same and also have the XXXX XXXX statement at home. They also indicated to me that the number that they had on file, associated with this account, was not even my phone number! Yet, when I tried to dispute the card on Experian, they had the audacity to say that " the information is accurate. This item was not changed as a result of our processing of your dispute. '' Absolute nonsense- additionally, I have set up a fraud alert should anyone try to open any new accounts under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my husband and I requested credit investigations as Equifax and XXXX XXXX. Since that time, my husband has received his results, but I still haven't received anything in response. Equifax and XXXX XXXX were supposed to respond within 30 days. I am attaching a copy of the letter we sent them, requesting investigations at the same time.
Product: Debt collection

Company keeps calling trying to collect debt for a former ex-boyfriend of mine. They called from 2 different numbers, both leaving a voicemail detailing his name, and a callback number which differs from the original number called from. 
XX/XX/XXXXXXXX XXXX called from : XXXX call back XXXX XXXX XXXX XXXX called from XXXX XXXX, call back XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX my car was illegally reposed by State Employee 's credit Union. I took them to court on XX/XX/year> in which I made my case I tried to show them them paper work in which I had proof I made my payments the judge wouldn't even look at them. So I appealed the case and all of a sudden the right payments was placed on the ledger I am providing for you today. I have never been made whole by the bank or anything. The bank is still to this day reporting the wrong information to all three credit agencies. I have even reported this to the agencies and they still haven't removed this item from my report.
Product: Checking or savings account

My father died in XXXX of XXXX and after probate was finally coming to a close, the personal representative wrote me a check from my late fathers Estate account with Chase dated XX/XX/XXXX for {$32000.00} and had it delivered to my attorney. I picked up the check and deposited it the same date XX/XX/XXXX into my personal account at my local Chase branch who let me know that the money would be available in a few days. On XX/XX/XXXX my personal and Chase and my Business account with Chase was restricted. Chase re-directed my inquiries to their Fraud department multiple times and after subsequent calling over many days, I learned that Chase did this because the check maker could not be verified with an outgoing phone call that is registered in the name of the check maker. Chase has informed me that they will not accept any documents or the makers physical presence in a chase branch to verify her as the maker of the check and that only the outgoing phone call to a registered number under her name would suffice. Chase informed me that they would eventually suspend my account and close it, which they have done. They informed me that they will keep my money for an average of 3-4 years before releasing it the state of Colorado. The bank has taken my money because they refuse to verify the maker of the check in any other reasonable way. I cant see how a publicly registered phone number in someones name is more credible than the actual human person standing in front of the institution with proof of identification. The elderly widow and maker of the check has been to her local Chase branch at least twice to fix this and will not register a phone in her name in order to satisfy the Fraud department. Chase is wrong to keep my inheritance over internal policies. Chase is able to know the check is valid and the maker is legitimate and is choosing to keep my inheritance because a Fraud department employee said they have a right to do this to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted XXXX complaints to Hyundai motor finance and XXXX XXXX XXXX. 

My transunion credit report is showing inaccurate information, it says I have a payment over thirty days late in XXXX of XXXX. This was the response I received from Hyundai. 

In their complaint, XXXX XXXX XXXX states a credit bureau is showing a late payment for her Hyundai Motor Finance ( HMF ) account in XXXX. XXXX XXXX requests the late payment be removed from her credit report. While HMF is sensitive to the concerns of XXXX XXXX, it appears there may be some confusion as to the accuracy of the credit reporting for her accounts. HMF has reviewed the account of XXXX XXXX and believes the reporting is accurate. HMF has reviewed the credit reporting for XXXX XXXX account with XXXX, XXXX and XXXX, none of which are reflecting any late payments on the credit reporting for her account. Should XXXX XXXX have a credit report from one of these credit bureaus showing otherwise, she may provide a copy to HMF, who will then re-open their investigation HoweveXXXX XXXXXXXX investigation on XX/XX/XXXX came back with something totally different. They said I have a late payment which is inaccurate I was never late.
Product: Credit reporting or other personal consumer reports

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally XXXX. Please take an action with this innacurrate accounts. 
See the documents attached.
Product: Vehicle loan or lease

I have a JPMORGAN CHASE BANK AUTO LOAN On XX/XX/XXXX i got sick and spend a few days out of work Two weeks after i was told by my Doctor that i needed XXXX and i spend tow months at home after the XXXX and receive a XXXX XXXX XXXX which was less than the haft of my regular paycheck i wasn't able to make my payments on time only my utilities bills was cover i spoke to the JPMORGAN CHASE BANK to let them know about my situation. 
XX/XX/XXXX I was able to go back to work and started pay off my late bills and got all up to date. I check my credit report and saw how much this have affected my credit report.
Product: Mortgage

I have a home equity loan with Wells Fargo that I wish to refinance with XXXX XXXX XXXX. The payoff quoted to the credit union was {$6200.00} more than the balance of the loan. Wells Fargo says that is to cover insurance they placed on it from XX/XX/XXXX till XXXX. I have always been fully covered by XXXX insurance. XXXX verified that they did fax proof of coverage for that time period to Wells Fargo XXXX. XXXX re-faxed all pertinent documents again today. Wells Fargo is telling me it will be 12 days before they can " process '' the faxes! Meanwhile my loan ca n't close with XXXX. Wells Fargo has had the documentation needed since XXXX. In addition, how could lone year of insurance on a {$170000.00} home in XX/XX/XXXX cost {$6200.00}?? Wells Fargo seems to be very inept or very dishonest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account in proper use wrong address incorrectly balance payment
Product: Credit reporting or other personal consumer reports

I have included in this complaint an update from this collection agency.Who refuses to be in compliance with FDPA and the FCRAI have requested The original contract with my signature.I have requested the notes on the account and all account statements.They havent properly verified my account They have lied and it should be immediately removedIm requesting all credit reporting agencies to remove this.They have not supplied the information requested in the past complaint.Which is a real true violation of my civil rights and my federal consumer rights ..They are in total violation of the FCRA and FDPA.Which is grounds for federal lawsuit under Title IV of the Civil Rights Acts I will include the so called debt validation.It isnt a legal debt validation which is in Complaince with Federal Consumer LawsIm requesting since they did comply with past request for contracts notes and all statementsIm requesting that it be removed immediately from credit report.I will be filing a complaint with my Attorney General in Maryland.Its high for General Civil Litigation in Federal Court
Product: Credit reporting or other personal consumer reports

For Experian to restore my credit, based on the third dispute letter I sent on XXXX XXXX, 2021.
Product: Student loan

I have federal student debt that was refinanced by the private lender XXXX and later sold to Mohela. When I login through XXXX/Mohela there is language indicated that payments and interest on student loans has been postponed due to National Emergency. 
I applied for forbearance due to National Emergency with this lender, and I am still accruing interest. When I spoke to customer service they indicated because my federal student loan was refinanced with their private company, I am not eligible for 0 % interest during my forbearance. There are several reasons I wish to file this complaint. 
1 ) Companies offering to refinance federal student loans, due to under the premise of offering borrowers relief through the form of lower payments, etc. I was not informed when switching my loans to this company, that I would no longer be able to qualify for assistance/aide in the event of a National Emergency that I would have been afforded had I left my loan with the federal institution, therefore I could not have made an informed decision about this. 
2 ) I would argue that this is quite unethical to take advantage of borrowers during a National Emergency by refusing them financial assistance that they would have been entitled to had they left their loans with the original lender. It is taking advantage of consumers during a vulnerable time. 
I believe that these private lenders should be subject to the same guidelines as federal lenders during this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX are all reporting I have two chapter XXXX bankruptcies from 2016. I only have one. The clerk that entered my bankruptcy filing forgot to include my LLC 's information on the original filing, even though it was on the paperwork. Instead of correcting the original petition, since it was the court 's error, they dismissed the original petition and then refiled the petition the following day under a new case number. I was sent a letter by the Federal Bankruptcy court, explaining this which I sent to the credit reporting agencies. They refuse to remove the original filing which is negatively impacting my credit score to this day.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax 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, Equifax '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.

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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that are marked " Inaccurate '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

The collection agency, XXXX XXXX XXXX XXXX ( Professional Bureau of Collections of Maryland , Inc. ( PBCM ) collecting on the wrong loan. XXXX has three Perkins Loans, two from XXXX College and one from XXXX. The XXXX College Perkins Loan was sent by mistake to this collection agency by XXXX. XXXX already had a payment arrangement on this Perkins Loan. We went to XXXX College to find out why this collection agency had a XXXX College Perkins Loans. We went to XXXX after making several attempts to work out a payment plan, thinking the collection agency was being honest, saying they had the right loan. We sent all the materials requested, pay stubs, expenses, medical bills, everything they requested to XXXX. Followed up, asking if they had everything they need. Repeatedly contacted XXXX XXXX at XXXX XXXX, nothing, XXXX XXXX at XXXX XXXX, nothing. XXXX XXXX paycheck is now being garnished. Followed up with the collection agency again, resubmitted all the paperwork to them, this time through a new program, again nothing. When I finally got XXXX XXXX on the phone again, and challenged the loan, saying we had a payment arrangement on it, she insisted we didn't. We went to XXXX XXXX at XXXX College and explained all of this. After a couple of weeks, XXXX determined they had in fact sent the wrong loan to XXXX XXXX, and recalled it. XXXX XXXX is trying to collect on the wrong loan, attached XXXX XXXX pay stub. We are trying to resolve this, happy to make payment arrangements, but the wrong loan was sent to collections, ruined her credit, attached her pay. Creditor Account Number XXXX All we want is ecall the loan from the collection agency, back to XXXX, so we can set up a payment arrangement, update the credit, and IMMEDIATELY RELEASE THE LEVY. The IRS can do it instantly, XXXX XXXX said it takes five months.r
Product: Vehicle loan or lease

Loan via Toyota financial was closed and sold to XXXX XXXX XXXX XXXX XXXX  letter sent in XX/XX/2022 XXXX due to accident of nature XXXX car gone contacted XXXX advised loan closed sold to XXXX  XXXX contact XXXX XXXX did spoke with XXXX was advised did not repo did not have authority but call back Monday see if police can advise of repo police could not again called XXXX Monday XXXX advised call XXXX XXXX XXXX XXXX  said XXXX we can not repossess we are a debt collector XXXX Toyotas contacted again deferred to XXXX XXXX  XXXX to another toyota department again no idea where car is loan closed XXXX Tortola lm XXXX Toyota lm they did repo letter was written to advise XXXX although taken XXXX and toyota no XXXX XXXX owns loan that is under XXXX they sold the debit repo car wont give where property is
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with Capital One Bank Usa, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( Bureau ) and ( Account Name ) with no successful resolution. There was definitely an error on their part.
Product: Debt collection

My complaint on 3rd party collector : Persolve LLC XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX In XX/XX/XXXX this company put a hold on my account for the amount {$6.00}, XXXX and took out {$540.00} from one account and {$10.00} from another. That's how I found out they have a judgement against me for credit card opened under my name in XXXX, which I never opened. They served me trough XXXX XXXXXXXX XXXX in XX/XX/XXXX, because they are claiming they was not able to find me. Since then I am trying to resolve this issue and they are not responding to any of my phone calls, I am living msges constantly but no respond. I spoke with a person or clerk who not authorize to settle the cases but he said he will talk to the attorney. They don't even know I have assets or no, because he said on the phone we can put a lean on your house and this house I am not even renting anymore and it does not belong to me. Please help me to resolve this issue. This is not good company to work with and they go for your money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Follow-Up on Identity Theft Report and Failure to Block Fraudulent Accounts Dear Experian, I am writing to follow up on my previous correspondence regarding the fraudulent accounts on my credit report. Despite my initial request, I have noticed that Experian has failed to block all the fraudulent accounts as required under 15 U.S. Code 1681c-2 and 1681n. 
Specifically, the fraudulent accounts with XXXX XXXX, account number XXXX, with a balance of {$1800.00}, and XXXX XXXX, account number XXXX, with a balance of {$6400.00}, have not been removed. These fraudulent accounts were created without my knowledge, as I have stated in the previous letter to Experian. This oversight has led to XXXX denials of credit, causing significant harm to my creditworthiness and personal finances. 
Experian 's failure to address these fraudulent accounts is a clear violation of federal law, which mandates that such accounts must be blocked upon receiving proper notification and documentation. Additionally, under 15 U.S. Code 1681s ( f ) ( 1 ) & ( 2 ), Experian is required to notify the other credit reporting agencies of these blocked accounts. This has not been done, further exacerbating the situation. 
I demand that these accounts be removed from my credit report immediately. Should Experian fail to comply with this request, I will seek civil penalties totaling {$2000.00} for willful non-compliance, as allowed under the law, due to the credit denials I have experienced. 
Please address this matter promptly to avoid further legal action. I expect to receive confirmation of the removal of these fraudulent accounts and notification that the other credit reporting agencies have been informed, as required by law. 
I have attached the required information to process the credit block again. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

During covid 19 of last year we had lost our jobs and were able to work for quite a bit. I had contacted Shellpoint Mortgage last XXXX XX/XX/XXXX and requested a forbearance, they received a hardship letter and info they needed. XXXX came up and we started getting letter about being behind on our home and late fees were added on for months it didnt seem like a forbearance ever happened, i had been in contact with this company with emails and phone calls. For some reason or another the gentlemen couldn't open up my Pdf or didn't receive it everytime, i would call and talk to someone else and they had no idea what i was talking about! there was no communication threw dealing with shellpoint mortgage and this covid 19 crisis. The last conversation i had with this company was absolutely horrifying this was XX/XX/XXXX while trying to get someone on the same page as me or even to point me in the right direction, the employee on the other side of the phone was so rude as i am crying about the possibilities of losing our home. He then asked me if i had any wealthy friends that could loan me the balance was due on my home, which was XXXX i was shocked, and then he goes on and says u should sell your home. i have XXXX children under XXXX!!! this was not ok with me and im sure alot of others feel the same,. On XX/XX/XXXX we recieved a letter of a loan transfer to a new company
Product: Debt collection

On XX/XX/XXXX I received a bill that was not in my name or my physical home address that I had owed money to the XXXX XXXX   XXXX. I contacted the company and informed them the address that they had on file was not mine, the first name was miss spelled and I was not going to pay for something that I never opened up. The company stated that the debt or the credit card had been open since XX/XX/XXXX. The address that it belongs to is my neighbor and who is charging from my social security # somehow they got my mail with my social security My neighbor who I thought was my friend passed away early in XX/XX/XXXX her name was XXXX but her husband XXXX is still alive. I told the company I never open up this account and I didnt understand why it was put in my mailbox, its not my address it probably was my neighbor who put it in my mailbox They sent it to a debt collector. I contacted the debt collector spoke to XXXX and mention that this is not my debt XXXX told me I have to go to the police station to file a report. I wish I could do so in XX/XX/XXXX I was hit by a car. I had been in the hospital for many months not knowing if I was going to XXXX or XXXX. From the accident my life has not been the same. I can XXXX XXXX, I have to use a XXXX  or a XXXX. I can XXXX XXXX, Im on XXXX. My XXXX  XXXX  has XXXX XXXX every where. I should have died when I was hit. I am constantly at doctors appointments. I have every single health issue under the sun. I wish it were so easy for me to just go to the police station and file the report. I had called the station and ask them if they could come to the house because its very hard for me to get around. And they will not do so. 
And in XX/XX/XXXX when I received this bill it was {$58.00} now they jacked it up all the way to {$290.00} I told the company I was not going to pay for something that Im not responsible for and they were on my side but yet they still sent it to a debt collector. I guess they have no consent if you have identity theft or not they dont care they just want their money. 
I looked at my credit report and I saw that it was put on there and I even wrote a letter to the credit report agency that it was not my debt but its still on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I requested a credit investigation in late XXXX.  XXXX and Trans Union have not responded yet, despite follow-up attempts.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a tribal online loan for {$800.00}. To date, I've paid {$210.00} every other week since XX/XX/year>. I can no longer pay this amount due to financial difficulties and have requested for the loan to stop. I have not heard from the company. I just recently discovered that these loan types are illegal in the state of Pennsylvania. Loan interest is capped at 24 % in PA. I have paid {$1400.00} to this company already. I would like the loan payments to stop and to be refunded {$480.00} for the interest amount that is over 24 %.
Product: Credit reporting or other personal consumer reports

I reached out to Equifax to provide me with the actual paperwork that back up the false certification of bogus debts that is being reported by Equifax. 
Account # XXXX XXXX Account # XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXXXXXX I got a regular get lost lie letter that Equifax send to every consumer. CFPB Equifax is trampeling all over my Federal protected consumer rights. Equifax has run a foul of the FCRA by doing a POOR PROCEDURE COMPLIANCE when it come to really investigating and preparing consumer reports like mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I submitted a dispute to AWA COLLECTIONS. As of todays date, I have received no response from AWA collections agency, therefore you must delete this from my credit report per the FDCPA and FCRA. If you do not, I will pursue further action to the fullest extent possible.