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

My XXXX credit report shows that I have a past due account in collections with a lease to own company called Acima. I have never done business with this company and never opened an account with them. Up until seeing it on my credit report I had never heard of this company. 

I called the company and have reported it as fraud. I filed a report with my local PD that I am going to submit to Acima once the report is available. Acima said they won't do anything without a police report. 

I disputed it with XXXX who stated they reached out to Acima and stated that the account is mine. I asked for proof of the account or any information on the account and nobody will provide anything to me.
Product: Credit card or prepaid card

I was notified by Email that my Citibank credit card account was closed, not to delinquent payments but due to a random Unauthorized credit check they ran ( Citibank ) and because my score was low, they closed the account.. I know I had missed some other credit card payments last month but I was catching them up, by their own admission my last payment to them in XXXX was good! I had to replace a payment that didnt go thru but I never 30 days delinquent. So needless XXXX say I am very upset. I still owe them a balance of {$720.00} but now I will not get the credit for paying them since they closed my account!! Very unfair!!
Product: Credit reporting

I have called numerous times, and sent a letter to XXXX XXXX XXXX, some company named XXXX XXXX XXXX, and XXXX, requesting they send proof of account ownership or a signature card with my signature on it. After repeated attempts at calls made, a letter was sent XXXX XXXX, 2016 to each institution, I received a response letter from the Office of the Comptroller of the Currency dated XXXX XXXX, 2016 stating they had forwarded my complaint to your agency. I have made several attempts to have these XXXX accounts with the institutions listed above to remove derogatory information being reported continually on my credit report without any success. I have correspondence from XXXX stating they have declined any further action for the past three years, however it still remains on my report as currently in default, and subsequently negative. I would like assistance with addressing these accounts as listed above as soon as possible. Thank you for your help in getting this problem resolved!
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Equifax on XX/XX/21 spoke with XXXX. He gave me case # XXXX in regards to me not being able to file online dispute thru Equifax website as it states I have disputes already pending. I have no disputes pending. XXXX stated I would be emailed 48 to 72 hours on the results and with the issue fixed. As of XX/XX/21 no email from Equifax. I called Equifax on XX/XX/21 spoke to XXXX and explained my situation and gave XXXX the case # and she said she could not help with the case # and Equifax does not give time frames and issues from Equifax web site and placed me on hold in which I was disconnected. In both phone calls both representatives were rude and condescending and did not want to help. I asked XXXX to speak to a manager in which she stated she is as high up as I was going to get. When I informed XXXX I would contact the Consumer Financial Protection Bereau she laugh and said go ahead they cant do anything. I find this type of service I received beyond words and feel as a consumer I have rights to be able to go and dispute what is not accurate in my credit report per the Fair Credit Reporting Act. I feel as though I have not been treated fairly by Equifax representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this a number of times, directly with the debt collector and XXXX. I can not get even a basic statement of my account prior to the sale to XXXX XXXX XXXX from the original lender, nevermind any of the other things requested. 

The dispute is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, via XXXX XXXX, and XXXX. The latest dispute with XXXX was dispute XXXX opened via XXXX XXXX on XXXX XXXX and disputed again on the XXXX of XXXX. The amount in question being {$1000.00}. The date and amount are in dispute. I would like to bring your attention to the following : a ) The amount that XXXX is attempting to recover is not correct. I specifically requested proof of the transactions from XXXX  including the amounts that constitute this debt and the interest that was charged. No proof was provided by XXXX ; b ) The dates of the transactions and therefore the age of the debt. I specifically requested proof of the dates that XXXX asserts these transactions occurred, and when any payments were made. No proof was provided by XXXX. 
c ) I specifically requested proof of ownership of the debt from XXXX and that they were the final holder of this debt. No proof was provided by XXXX. 
d ) I specifically requested a copy of the signed legal contract that this debt was originated under. No legally binding contract was provided by XXXX. 
e ) XXXX themselves state in their response to me the seller provided an electronic file of its business records, while providing no further evidence.
Product: Credit reporting or other personal consumer reports

To whom it may concern Maam/Sir, I am writing to complain and request that all debt collectors listed below cease further and all communication, to all three credit reporting agencies Experian, XXXX, and XXXX per the provision in 15 USC 1692c ( c ). 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Cont 'd attempts to collect debt not owed Thank You
Product: Checking or savings account

JP morgan chase closed my account without telling me anything and i reported fruad on my card and i dont understand why i am being punished for somthing i reported
Product: Credit reporting, credit repair services, or other personal consumer reports

With the recent XXXX 's breach in security and over 143 million people 's data being compromised due to unprecedented neglect by the company it is ridiculously for the victims to be required to pay to freeze their credit reports. Companies like Transunion and XXXX should be offering a free service to freeze credit even if it 's temporary, especially during these times. Such blatant attempt to profit off the XXXX  breach is deplorable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The 3 Credit Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I called experian on XX/XX/2025, and XX/XX/2025, during regular business hours. It took almost an hour to get to a fraud dispute agent. XXXXm sick and tired of Experians excessive hold times. XXXX and XXXX have short hold times and XXXX allows consumers to file fraud disputes online. Experian forces consumers to call in order to file a fraud dispute and does not allow fraud disputes online. This is egregious and causes an undue delay. Its unfair to have excessive hold times. Please rectify this issue, otherwise, I will retain a class action attorney and file legal action against experian. This is NOT a dispute request. This is NOT a request for my credit report.
Product: Checking or savings account

On XX/XX/XXXX {$2000.00} was wrongfully transferred out of my money network account. Then on XX/XX/XXXX {$1300.00} was wrongfully transferred from my account. I didn't notice until I received an email saying my balance is {$0.00}. I had to regain access to my account, then I saw that all of my information was changed. Different phone number and bank account. I called money network to dispute the transactions, I got the {$1300.00} reimbursed, but the dispute for the {$2000.00} was not honored. A police report was filed on XX/XX/XXXX. On XX/XX/XXXX, I received a letter in the mail letting me know that my dispute was declined. I have screenshots of the transfers, the dispute iD, the police report, and the account that it was transferred to ( which did not belong to me ).
Product: Credit reporting or other personal consumer reports

This account was opened from XX/XX/XXXX to XX/XX/XXXX. I should have active payment history from XX/XX/XXXX to XX/XX/XXXX, but EQUIFAX reported from XX/XX/XXXX to XX/XX/XXXX. It also reported another conflicting date of last payment of XX/XX/XXXX. This is inaccurate payment history reporting. This inaccurate information falsely manipulates my credit worthiness and is hurting my ability to obtain credit. EQUIFAX failed to investigate this account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the Account name : XXXXXXXX XXXX
Product: Mortgage

Years ago, my wife and I obtained a mortgage loan for commercial real estate from Wells Fargo bank. That loan was paid off in full XXXX. The problem is they never filed a reconveyance with the county to clear the property as collateral tying up the property still to this day. 

Our current loan officer worked on this and received no assistance from Wells Fargo ; the same thing happened with our current title company. When I personally got involved after many deflections and run arounds, I finally received an anonymous response from their XXXX XXXX XXXX department. Such a response is impossible to hold any actual person accountable. 

We have already lost one loan because of this and the current loan will time out soon as well. It was not difficult to do this 8 years ago and is not difficult to do today but here we are one game to the next. They even wrongly attempted to lay this off on the county recorder.

No consumer should have to deal with this type of problem, more so the amount of time and contacts thus far that is required is in and of itself just horrible. Wells Fargo should not be in the mortgage loan business.
Product: Student loan

I have over  XXXX  in debt from university of  XXXX . It was  XXXX   XXXX  first the it went Navient. I call them almost every year trying to lower me payment or try that income base repayment but they always say I do n't qualify I make too much. I 'm a single mom o n one sal ary and have a mortgage and car /insurance payment. And utilities! They keep saying I do n't qualify and defer my payments but that just makes my balance go sky high with interest. They do n't help me with anything. I 'm never going to pay off this debt! I need help my son goes to college next year. I think my balance was around  XXXX  tbousou d before but with all the deferment it 's gone up to  XXXX  that a house. Please help. I work in the   XXXX   XXXX  .
Product: Debt collection

excessive and repeated calls I need this collect removed off my credit report please and thank you
Product: Credit card

On XX/XX/year> my wife went to the local XXXX XXXX store buy a few items at the time the cashier tell her if she spend XXXX dllars more she can get a Free bag so the cashier recommend to return the items and then purchase the same item plus another item but on my statement the return never show up I have to charge for the same items my wife contact the store a few days later when I ask her about the XXXX purchases and she tell me was just XXXX so once she contacted the store they say we have to call the cc bank and they will take care of that I have to XXXX receipts XXXX show up The first purchase and also the return and the XXXX  purchase I call the bank at least XXXX  times and simply they not do anything even with the XXXX receipts
Product: Debt collection

Professional Finance Company calls my home and cel phone on a regular basis. They have XXXX accounts for me regarding medical bills that never should have been submitted to them in the first place. They will not provide a billing statement regarding these debts. I 've asked multiple times for them to send me a statement and they said they do not do that. They want a credit card on file so they can charge it on a monthly basis. I want a billing statement, I 've asked repeatedly, and they refuse to provide one. Until they do, I will not pay them a penny.
Product: Checking or savings account

This is the 2nd time this year my checking account has been hacked through Truist/BB & T Bank . This time they initiall text me at XXXX XXXX XXXX on XX/XX/XXXX to let me know I been hacked they then called me and went over charges that went through that they can tell were fraudulent because it came from another state. They blocked and declined some of the attempts but did not lock my account so it wouldnt happen again. They cancelled the {$900.00} XXXX attempt and the {$1100.00} XXXX attempt but allowed two others to go through knowing it was fraud. 15 minutes after that called they allowed the scammer to XXXX themself {$200.00} and {$640.00} and did not block it which would have been avoided if they put a hold on my account when they first called. So I called again and the person stated they had no recitation that someone called me previously which I have the emails, text and call log as proof. She told me they could not do a claim until payment post. On XX/XX/XXXX I called them back because payment posted and they put in claim but basically told me its likely I wont get my money back which is illegal. I did not authorize those XXXX payments and they already know I was getting fraud attacked because they ( the bank ) are the ones that alerted me. I have issues with this bank almost twice a year where someone hacks my checking account and the bank gives me a hard time to resolve the issue. I have put in a police report since the bank does not seem to care. Which I have been a loyal customer of Truist bank which use to be BB & T for over 15 years. I would really appreciate this getting resolved as over {$800.00} has been taken from me.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX have not XXXX XXXX with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the this account. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED / AIDVANT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 REPORtT NUMBERXXXX ) 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 XXXX 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 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 INOUIRIES from my credit report. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Quality XXXX  account was charged off as bad debt on XX/XX/2017, it was also suppose to be deleted for inaccuracies, its no where to be found in my collections, and every month since the charge off date the company has been increasing my balance, every time its a different amount
Product: Credit card

On XX/XX/2023 I signed up for automatic payment on my XXXX XXXX credit card. I received an email confirmation from Wells Fargo that this automatic payment will take effect firstly on XX/XX/2023. 

On XX/XX/2023 I checked my account and realized that this antomatic payment did not happen, so I made a manual payment which was received by Wells Fargo on XX/XX/2023. The due date for this payment is XX/XX/2023. 

On XX/XX/2023 Wells Fargo posted an interest charge of {$120.00} on my account. I contacted the bank the same day, and the customer service representative was able to waive {$50.00} of the interest charge. She also informed me that she can not waive the rest of the charge at the time, and created a customer complaint case for me on the same day. 

On XX/XX/2023 Wells Fargo replied to me regarding the case, saying " we are unable to waive any more than this [ {$50.00} ] on the account ''.
Product: Credit card

XXXX autobilled ( renewed ) my subscribtion XXXX even though I canceled my subscription.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX
Product: Debt collection

I recieved a copy of a collections bill from XXXX XXXX XXXX and would like debt validation from them and XXXX XXXX- I have been disputing the validity of this debt and it continues to not be validated.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling disputes particularly in the light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.there informed me that recovering lost funds was impossible and that tracking these transactions was infeasible.the CFPB finding indicate that zelle has not only neglected to protect consumers but had also allowed repeat offenders to exploit the system, leaving users vulnerable to scam. The lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Vehicle loan or lease

XXXX  XXXX  hasn't written this account off on it's taxes, when i called they stated they are no longer reporting this debt to the credit burean, i ask for a 1099-C can be giving to me, By law they can not collect from a debt that has been written off. And i was sue for fraude, remark state profit of loss write-off,
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report on XX/XX/XXXX. There is an account open under " XXXX XXXX '' that does not belong to me. I have never applied for a credit card or have had any type of account at this bank. 
I did try to call the number listed on the credit report : XXXX. However, it immediately asked for my card number, and that's something I don't have access to since the card doesn't belong to me. 
It says the date opened was XX/XX/XXXX and I was XXXX at that time.