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

In XX/XX/XXXX I filed bankruptcy and had all accounts XXXX XXXX XXXX  discharged. In XX/XX/XXXX I noticed that a former creditor XXXX XXXX XXXX continues to post derogatory information regarding an account that was discharged in bankruptcy. I contacted all 3 credit reporting agencies and the XXXX XXXX XXXX. The creditor said they removed the information on XX/XX/XXXX. I verified my credit reports on XX/XX/XXXX and the information had been removed. I pulled a credit report on XX/XX/XXXX and saw that they proceeded to report the negative information immediately after agreeing not to on XX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

On Thursday, XX/XX/year>, I called the local One Main Financial ( OMF ) office where my loan is located and attempted to make a payment arrangement. The payment arrangement was to be applied towards the XXXX payment. I spoke with an employee named " XXXX '' who set up the payment arrangement on a recorded line. I stated to XXXX that the payment could not be deducted from my checking account until XX/XX/year>, which was my next payday. XXXX stated that the payment would not come out until XX/XX/year> due the Saturday and Sunday delaying the electronic process. I trusted what this employee stated and moved forward with the payment arrangement. 

On Monday, XX/XX/year>, I received email notification that the payment had been processed by my banking XXXX immediately called the local One Main Financial XXXX and asked XXXX the payment had been drafted from my account prior to the agreement-upon date of XX/XX/year>. XXXX stated that the payment had not been posted because the office had not submitted a " batch '' for processing. Little did I know that the employee had lied that day and as well as on XX/XX/year>. 

The payment processed 2 days before the agreed upon dated and now I am having issues with my checking account balance.
Product: Checking or savings account

Accounts were fraudulently opened under my name and listed on my chexsystems. Attached is a FTC report and demanding deletion within 4 days of receiving this. These accounts are listed on my FTC REPORT.
Product: Mortgage

I have been following very closely the activities of my mortgagee, 5/3 Bank. After I complaint about them in regards to the handling of my mortgage deferment, and more than 10 phone calls, the case was finally solved.

I tried to set up auto-pay and log in into my online banking account. To my surprise, 5/3 reinstated two Equity Lines in my name and started reporting since XX/XX/XXXX. 
I am attaching the statements of these accounts. 
The first Equity line of credit account number ending in XXXX is said to have started XX/XX/XXXX, and has a balance of {$11000.00}, no information on next payment amount and a payoff amount of {$19000.00} The second Equity Line of credit account number XXXX states that the account was started XX/XX/XXXX and has a balance of {$25000.00}, no information on next payment amount and a pay-off amount of {$43000.00}. 

Please note that I filed bankruptcy in XXXX and requested a loan modification to retain my residence. Any debts associated with my property at XXXXXXXX XXXX XXXX XXXXXXXX OH XXXX were consolidated in a new mortgage loan # XXXX. According to the XXXX website attached statement, the balance due in this account is {$110000.00}. 

However, the account shown in their Loansolutionscenter.com shows a balance of {$130000.00}, as shown in the attached statement. 

I called their Customer Service department and I was transferred 6 times. I was on hold for more than two hours between transfers talking to one person and then another, who will continue transferring me to someone else. One of their agents told me that they could see that my bankruptcy case was discharged in XXXX and the accounts were discharged. She could not explain why the accounts appear as active now and were started to be reported in XX/XX/XXXX. 

I was forced to file bankruptcy Chp. XXXX in XXXX which was discharged XX/XX/XXXX. I am attaching a copy of the discharge. 

None of the Equity Lines of Credit should be showing in my account, and the mortgage balance should show the correct amount after the deferred amount was added.

I want the Equity Lines to disappear from my account and the mortgage loan to show the correct amount.
Product: Mortgage

This all started back on XXXX XXXX, I fell behind in payments after my wife had cutbacks at her job and other loan contributor moved out of the home because he was having a new kid and needed a place of his own for his family. I started to fall behind in payments, and since Mr. Cooper doesn't allow partial payments, once I fell 2 months behind, I was chasing payments at that point. Then my payments when from XXXX to XXXX by time XXXX came around and we had all attentions of using out tax refund to catch up on payments, but that is when the pandemic 1st started and came through, so we had to use the money for food, etc. as everyone was on lockdown. The payments started going up because we owed insurance and taxes and they made the payments go up right away, to an amount, we couldn't afford at the time. We went into forbearance program with bank and after being in program we were told I could reapply for another loan modification but since then, all I keep getting is denial letters from the bank. at 1st it was because we had to wait a full year since our last modification and then when that time passed, now they deny us because they stated we don't have enough income. we have since learned from online financial classes how to budget our money and live off a budget, my wife has gone back to work, and we rented out one of the rooms and make 3x times the mortage put together now but the bank will not give me another modification for some reason. i am asking anyone who can help to please let me know what I can do, all I want the bank to do is give us one last modification and once this is done, the payments would be affordable, and we get to keep our home. 

The main problem is no partial payments are excepted so, unless we have the whole amount past due, we can't make any payments and I think that is a policy that should be changed, because we could have been making partial payments all these months and wouldn't owe as much as we do.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, UT XXXX XXXX XXXX, has violated my rights. 15 USC 1681 602 Section A. States I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Factual Data made an inquiry on my XXXX   credit report. Because I never authorized Factual Data to pull my credit report, I contacted Factual Data demanding they show valid proof they have permissable purpose to pull my credit report pursuant to The Fair Credit Reporting Act. Factual Data never responded with any type of valid proof that they had permissable purpose to pull my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Investigation and Correction of Inaccurate Late Payments on My Credit Report Dear CFPB, Following your agency 's completion of the investigation as outlined in this complaint, I am writing to request a detailed description of the investigation process followed by Experian regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
I recently reviewed my credit report and noticed that my XXXX  XXXX account includes inaccurately reported late payments. I have consistently paid this account on time, and there have been no late payments. As a credit reporting agency, Experian is required to report all information with complete accuracy. Therefore, I am requesting that you investigate this account and update the payment status to reflect timely payments. 
Summary of Errors and Discrepancies : In reviewing the payment history, I have identified discrepancies in reported late payments that do not match my actual payment record : XXXX reports a XXXX late payment for XX/XX/year>. 
XXXX and Experian report a XXXX late payment for XX/XX/year>. 
These entries are incorrect and negatively impact my credit profile. According to my records, all payments were made on time, and no late payments should appear on this account.

Legal Basis for Dispute : Under the FCRA ( 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) ), my consumer report should not contain information that inaccurately reflects my payment history. Inaccurate reporting of late payments is a violation of the FCRA and misrepresents my creditworthiness. Additionally, sections 15 U.S.C. 1681i and 1681s-2 mandate that credit reporting agencies, including XXXX, correct any inaccuracies or incomplete information to ensure maximum accuracy. 
Requested Action : I request that Experian conduct a comprehensive investigation into this account and remove the inaccurate late payment entry to reflect my accurate, on-time payment history. 
Please provide a description of the procedures used to verify the accuracy of these entries and confirm the removal of these inaccuracies in writing within 30 days of this complaints submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the corrections within the timeframe mandated by the FCRA. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Complaint Reason : Unauthorized Accounts, Account Reinsertion, and Consumer Rights Violations I have identified unauthorized fraud accounts on my credit report. Furthermore, an account that was previously blocked and removed has been reinserted into my report. Despite submitting a Federal Trade Commission ( FTC ) report, my California state drivers license, and my Social Security card, the credit bureau has failed to take the necessary corrective actions. This neglect violates both federal and California consumer protection laws.
Product: Credit reporting or other personal consumer reports

Ive tried contacting the company several times through Mail and CFPB AND NOTHING GETS RECTIFIED THEY SAY THEYVE DONE A FULL INVESTIGATION AND JUST UPDATE INCORRECT NUMBERS ON MY CREDIT REPORT
Product: Debt collection

2017 XXXX placed past due on credit report. Contacted XXXX multiple times via phone and in person at multiple stores. Informed me that i owed on a cell phone bill which was past due. I explained I haven't had a XXXX phone in more than 18 years. They continued to pass the buck and/or call me a liar. I paid them in 2017 approx. XXXX or XXXX to protect my credit and they agreed to clear my name and close any accounts associated with myself and credit and SS #. Now Jefferson capital says I owe them and my acct is in debt collections. I have reached out to them and XXXX with no positive reactions. They still call me a liar and i disputed with XXXX Credit reporting companies which also have done nothing to remove the fraudulent acct. I am being taken advantage of by the fact its small claims and like the banks have told me, " just pay them and get it off my report so i can borrow from them, everyone pays to play ''. This XXXX be XXXX dollars but is a XXXX dollar a year or more scam on the consumers who they create these fraudulent small claims debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

We moved to a new address after building a home. XXXX added our new address over the phone after confirming identity. XXXX added the new address after receiving written correspondence with a copy of our drivers licenses and a utility bill with the new address. The same written request and documentation was provided to Equifax. In response, they sent correspondence on XXXX XXXX saying they had to have a drivers license or utility bill ( they had already received that ) and copies of our full SS # s in the mail to add/change the address. I would not mail a XXXX or copy of our SS cards to anyone since that could easily be intercepted. I called the same day to tell them that and asked them to change the address. As part of the call, I had to input my full SS # into the phone, so they knew my identity. The representative refused to add/change the address without receiving the full SS number in the mail. Perhaps you can reason with them and make them realize what an unsafe and unrealistic mail request this is, especially since the other XXXX credit bureaus are smart enough not to endanger their customers personal identity information. Our address has been changed everywhere else and needs to be correct on all XXXX of our credit reports.
Product: Vehicle loan or lease

I have a diesel VW that is part of the VW Buyback settlement. I have an appointment at VW  on   XXXX   XXXX   to turn in  the vehicle and receive the buyback for early lease termination. VW  of America-  XXXX  My monthly lease payment is due on   XXXX   XXXX    (  3 days before I 'm turning in the car ), and I called VW credit to ask for a grace period, explaining that I have the appointment ( and can not get one sooner ), but they will not waive the payment. VW  XXXX   XXXX  I do not think it 's fair to have to pay for a month if I only have the car for 3 days during that payment period.     The  VW   XXXX   XXXX   XXXX   XXXX  says that I " MAY '' get a refund from VW Credit, but nobody can guarantee anything.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had this student loan over 15 years. Never have been forgiven on any student debt when others have. My area has been affected by hurricane Florence in XXXX of XXXX. I almost lost everything. In XXXX of XXXX, i made a {$250.00} and was told i would be given a forbearance. It is XX/XX/XXXX today and they have flagged my account 60 days past due which should not be there as i was told i would be given a forbearance. Im trying to close on a home equity line of credit which will enable my family to get back on their feet and also pay the NC XXXX student loan out. This is the most deceptive treatment i have ever received and nobody their will discuss their mistake which is adversely affecting myself and my family.
Product: Credit reporting or other personal consumer reports

Credit Collection Services Subject : Request for Deletion Letter Following Payment of Debt Dear Sir/Madam, I am writing to express my deep concern regarding the handling of my account by Credit Collection Services . Between XX/XX/year>, and the present, I have been actively trying to resolve an issue regarding an alleged debt that has been negatively impacting my credit report. Despite my efforts, I have encountered significant challenges in obtaining accurate information and securing a deletion letter following the payment of the debt. 

During this period, I have taken several actions in an attempt to rectify this matter. I have sent multiple letters requesting detailed information regarding the debt, including the purchase agreement demonstrating full ownership of the account in question. Additionally, I have diligently contacted your customer support team to seek clarification and resolution. 

Despite my persistent efforts, I have yet to receive satisfactory documentation proving the validity of the debt and confirming my ownership of the account. This has not only caused undue stress and frustration but has also resulted in ongoing damage to my credit score and financial standing.

I must emphasize that the information being reported by Credit Collection Services is both fraudulent and inaccurate. I firmly believe that I am entitled to receive transparent and verifiable evidence supporting the legitimacy of this debt. Without such documentation, I am left questioning the validity of the reported account and its impact on my creditworthiness.

Therefore, I kindly request that Credit Collection Services promptly provide me with the following documents : 1. The original purchase agreement or contract establishing ownership of the account.

2. Any supporting documentation proving the validity of the debt and its accuracy.

3. A detailed breakdown of the amount owed, including any fees, interest, or penalties incurred.

Furthermore, I request that upon receipt of the necessary documentation and confirmation of payment, Credit Collection Services issue a deletion letter to the credit bureaus requesting the removal of any negative reporting associated with this account.

I trust that Credit Collection Services will prioritize this matter and take the necessary steps to resolve it expediently and fairly. I appreciate your prompt attention to this request and look forward to a swift and satisfactory resolution. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My purse was stolen from the restroom of the XXXX XXXX XXXX. My ID, SSN card, Debit Card, XXXXbrary Cards etc were inside. My information was also included in the XXXX data breach. My information is out there on the dark web as a result of this. 
The dates are ranging from XXXX to current. I agreed to work with Law enforcement. I have requested that the false accounts be removed, however these accounts are still present.
Product: Credit reporting or other personal consumer reports

Hi Equifax, I don't know what is going today I am checking my credit report again and still see those fraud inquiries that shall be deleted from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

Referenced by XXXX ID XXXX. 
On XX/XX/scrub> 2025 around XXXX XX/XX/XXXX, I made a cash payment in the amount of {$380.00} at one of your ATMs. Unfortunately, during the transaction, the ATM displayed an error on the screen and failed to provide me with a receipt confirming the payment. Moreover, the payment was not posted to my account. 
Below are the details to assist with your investigation : Date of Payment : XX/XX/year>2025 Payment Amount : {$380.00} ATM Location : XXXX XXXX XXXX, XXXX, FL XXXX Since the payment was made in cash, I understand there may be additional steps required to reconcile the transaction therefore I took these actions to address the matter directly with Citi Bank : Visited the Bank Branch : Spoke to the branch manager about the ATM malfunction and missing {$380.00} deposit. 
Contacted the Citibank Executive Response Unit ( ERU ) : Communicated with the ERU multiple times to escalate the matter.

Provided Detailed Information : Shared the date, time, location, and specifics of the ATM transaction to aid in the investigation.

Followed Up Repeatedly : Made approximately seven calls to Citibank to seek updates and ensure the matter was being addressed. 
Engaged in the Investigation Process : Cooperated fully with Citibank during their investigation, despite their inability to find records or access ATM surveillance footage. 

Received and Reviewed the Bank 's Final Response : Acknowledged their official response, which stated that they could not locate the transaction or provide further assistance.
Product: Credit card

someone opened account in my name fraudulently MACYS/CITIBANK, N.A.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CHARGE ACCOUNT Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status Paid, Closed ; was Paid as agreed Terms Paid Monthly Date Closed XX/XX/XXXX Date Paid XX/XX/XXXX