23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

New Rez : " we are unable to reinstate our tradeline on your credit report due to the discharged XXXX  XXXX Bankruptcy. Newrezs action was entirely done in compliance with federal law and was not in any way a retaliation for your complaint '' - NEW REZ ( Shellpoint Mortgage ) STILL has NOT provided documentation or clarification as to which federal law they are citing. A XXXX  XXXX that was filed XXXXyears ago ( and XXXX loan servicers prior )? Please provide documentation and clarification as to which federal law you are referencing that you are suddenly in compliance with. And if so, this means you are admitting to being out of compliance with federal law for the XXXX years that you incorrectly reported my loan to the CRAs. You are fighting a losing battle. 

New Rez : " You have requested Newrez to provide documentation that no errors have been caused in reporting your loan to the consumer reporting agencies ( CRAs ) from XX/XX/XXXX through XX/XX/XXXX. Prior to the removal of Newrezs tradeline, we have confirmed the loan was reported as current each month. '' New Rez ( SHELLPOINT ) HAS NOT provided ANY documentation proving they reported my mortgage to the CRA 's correctly or error-free ( before abruptly removing it from my credit reporting tradeline without any warning or communication causing my credit score TO UNLAWFULLY DROP XXXX POINTS UNEXPECTEDLY ). A haphazard payment accounting that they retrieved from the previous servicer ( Ditech Financial ) does not show the accounting that was SENT to the CRAs by NEW REZ! I have copies of weekly credit reports from all 3 CRAs proving that NEW REZ made errors reporting my loan to the CRAs! WHERE IS THE DOCUMENTATION, NEW REZ, confirming the loan was reported as current each month to the CRAs? My copies of my credit reports will show you are lying!
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were charged, I was charged fees due to lagging posting of charges and credits.
Product: Debt collection

While attempting to set up new utilities at my new home in XXXX XXXX, XXXX I was informed that due to bad debt I was required to pay deposits. I then was told that someone named XXXX XXXX and XXXX XXXX are using my social security number to obtain utilities in XXXX, IL. I then filed a police report the same day with XXXX Metro Police Department as well as contacting XXXX XXXX XXXX XXXX XXXX. I spoke with their customer service and submitted the requested paperwork verifying I am the rightful owner of the social security number and for them to stop allowing these people to use my information illegally. I was told I have to prove to them I am the rightful owner of the social security number, even though this company did not make the thief verify their ID. 
I am now obtaining a ton of documentation to prove I have lived in XXXX, XXXX for the past 20 years and have never owned property in the state of IL. I have no knowledge of these people and can not understand why this allowed to continue, given her address is known.
Product: Debt collection

On Thursday XXXX, at approximately XXXX I had submitted a dispute to XXXX. In Short time after checking on my credit karma app to monitor my progress of establishing my credit, I did so after I was made aware of {$590.00} worth of apparent debt was sent to collection. 
I am unaware of anything owed by me for {$590.00}. 
I am not aware, and would like to dispute against it going against my credit score as it puts a dent to it. 
I also added within my dispute as to how I had been hacked, and had to have my bank account secured and a new debit, card was established to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

None of the information on the credit bureaus are mine. I have been complaining about this for years. My  XXXX , experian, and  XXXX  are completely wrong.. This severe fraud is not right. I need my due process. I need this taken care of immediately!!! This is causing very serious complication in my life. Please help me resolve this asap.
Product: Credit reporting or other personal consumer reports

Ive called and sent registered mail to this company requesting something showing they provided services to me and I signed something approving anything. I call them and they want me to call another company to discuss their account. This doesnt make sense, the representative I spoke with ended the call because I refused to take another number to a different company to discuss their account. This has to be illegal. The company is AMSHER COLLECTION SERVICES
Product: Credit reporting, credit repair services, or other personal consumer reports

CitiBank and I entered into an agreement to settle this account. After receiving the settlement agreement and signing it, I paid the settlement amount. Since then, CitiBank has continued to report that the account is past due and that they are still seeking payment for the remaining balance outside of the settlement. The agreement stated that once the amount was paid that I would be released from any further obligation to CitiBank. Each time I dispute the reporting, it is denied by CitiBank as accurately reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact XXXX, Equifax, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, Equifax, XXXX  has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, Equifax, XXXX  of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX Acct # : XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to file a formal complaint against XXXX for their mishandling of a collection account dispute on my credit report. Despite multiple attempts to resolve this matter, XXXX has failed to provide adequate information or take corrective action, which has negatively impacted my credit standing. 

The issue involves a collection account that XXXX is reporting on my credit file. Specifically, the account appears to be reported to different original creditors and re-aging which raises questions about its accuracy and validity. I have disputed this account with XXXX on multiple occasions, with XXXX XXXX2024 being the most recent yet their response each time has been, It meets the guidelines, without providing any substantive details or evidence to support their findings. 
Collection company XXXX XXXX XXXX Account number XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate credit reporting and a thorough investigation of disputes. XXXX has failed to meet these obligations by : 1. Refusing to provide documentation or information supporting the validity of the collection account.

2. Continuously reporting inaccurate or inconsistent information despite my disputes.

3. Not addressing my concerns about multiple original creditors being linked to this single collection account and re-aging dates. Failed to properly investigate disputes, as required by law.

The CFPBs recent lawsuit and oversight efforts against credit reporting agencies demonstrate the importance of protecting consumers from these unfair practices. My situation aligns with the CFPBs findings regarding systemic failures in dispute resolution processes and Experians obligation to provide transparent and accurate credit reporting.

This issue has significantly harmed my financial well-being, including reducing my credit score and limiting my ability to access credit. I request the CFPBs assistance to ensure XXXX : Fully investigates and validates the disputed collection account. 
Removes the account if it can not be verified with clear and accurate documentation. 
Improves their dispute investigation and reporting practices in compliance with federal standards.

This situation has caused harm to my financial well-being, including a lower credit score, difficulty obtaining credit, and emotional distress. I am requesting the CFPB to intervene and ensure that XXXX complies with the FCRA by : Providing clear and verifiable evidence of the collection accounts validity. 
Correcting or removing any inaccuracies related to this account. 
Reviewing their investigation process to ensure compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis-Nexis have compiled numerous inaccurate data and reported-sold that inaccurate information to XXXX, XXXX and XXXX, currently showing as accurate data.
Product: Credit card

When trying to make payment arrangements they kept hanging up on me due to my XXXX XXXX XXXX. I was not able to do business with the hang ups.
Product: Credit card

From the beginning of this story, I met someone online, and this ( scammer ) person was willing to help with my payments, but when this ( scammer ) person gave me permission to pay my credit card bills ( Discover credit card ), those payments were returned to me, and I kept doing that every time the payment went through in the beginning and returned it. This ( scammer ) person had tried asking me to send money from my credit cards to random people that I do not even know, which makes me frustrated because on my end, I don't even have that much money in my pocket. 

DISCOVER CREDIT CARD XX/XX/2023 {$720.00} ( XXXX XXXX XXXX  ) XX/XX/2023 {$490.00} ( XXXX XXXX XXXX ) XX/XX/2023 {$540.00} ( XXXX XXXX XXXX ) XX/XX/2023 {$30.00} ( XXXX XXXX XXXX  ) XX/XX/2023 {$670.00} ( XXXX XXXX XXXX ) XX/XX/2023 {$30.00} ( XXXX XXXX XXXX ) XX/XX/2023 {$30.00} ( RETURNED CHECK CHARGE )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed a letter of Dispute to Equifax it has been approximately XXXX days since Equifax has received my letter of dispute and i have not received any correspondence in regards to my dispute this process has really had a negative effect on my livelihood I firmly demand that the Accounts listed in my dispute be Deleted Promptly.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, in my case under reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and inquiries which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX, DE XXXX 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

There is a Debt with XXXX XXXX XXXX for {$560.00} I never had a contract with this company also XXXX XXXX for {$410.00} this is not my debt I never had a contract with. According to Sec 609 ( a ) ( A ) ( 1 ) of the Federal Trade Commission, I requested for them to show me proof that I did infact make a contract with them and owe these debts and they have not provided the following information and can not because it is not my debt with them.
Product: Credit card

I am formally writing this complaint as a result of SYNCHONY BANKS response. regarding my initial attempt to have SYNCHRONY BANK promptly investigate inaccurate information I have found in my credit report regarding the account furnished by SYNCHRONY BANK. SYNCHRONY BANK initially refused to do an investigation regarding the inaccuracies I attempted to dispute. Once a complaint was filed, they commenced the investigation I requested them to do initially. It has now come to my attention based on SYNCHRONY BANK 's response that this company is being dishonest and deceptive. SYNCHRONY BANK investigated the account I brought to their attention and responded with the answer that the account was verified as accurate. I beg to differ. Please see proof attached to this complaint. The inaccuracies regarding the account with SYNCHRONY BANK is circled in red. On my credit report I have discovered that they have been altered the date of last activity regarding this account for all 3 consumer reporting agencies. The dates show for XXXX " XX/XX/XXXX '', XXXX " XX/XX/XXXX '', and XXXX " XX/XX/XXXX ''. This is an indication that this account has been tampered with. They have re-aged this account with the consumer reporting agencies. A violation of the Fair Credit Reporting Act. This account was charged off as of XX/XX/XXXX. There should not be any activity reported because this account is closed, but it reports that the date of last activity was recently in XX/XX/XXXX. I have reason to believe this behavior also constitutes fraud per 18 USC 1001. The payment history regarding the account is also incomplete. The inaccuracies consist of missing payment information from XXXX and XXXX.
Product: Checking or savings account

I spoke with a Bank of America representative on XX/XX/2018, I was informed I was vip customer, the automated system kept transferring me to the fraud then the loss prevention department and then to the account closure department, i rejected and decided to speak with customer service. While I was speaking with customer service I was informed that My account would need to be handled by the fraud department. I spoke with fraud who informed me that I had reported my card lost or stolen, I replied I did not. She reviewed the profile and stated I would need to speak with the card closure department, so I did. The lady asked me to go to a bank a physical bank and withdraw my money because BankofAmerica does not need to give reasons for closing accounts. I asked if this was because of the complaints I had submitted or because I requested reasnoable accommodation through the american with disabilities act?  The lady over the phone responded that Bank of America does not need to give reasons and kept reading the disclosure. I went to a bank all drive thru tellers are closed. I called again a rude representative stated this is the card closure department I do not need to be polite and you account will be closing on XX/XX/XXXX. I asked for a check in the mail she said she could not and then disconnected the call. Please help me bank of america will not allow me to retrieve my money back. I hope this is not because of the elections!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing th

is letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. I have reviewed my credit report an
d found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. 
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX
Product: Debt collection

I lived in XXXX XXXX XXXX  back in XXXX and left XXXX XXXX I had constant high water bills due to the broken toilet that was their responsibility to fix. They sent someone out to fix it but they did not fix it properly so I kept getting these water bills that were over {$300.00}. I tried to tell the management crew but they never sent someone out again and would not assist with helping with the water bill. I requested to terminate my lease early due to their lack of consideration and constant problems with the trailer itself. They put an eviction notice on my window without serving it to me myself, I didnt even notice it for two weeks. We met in court to figure out a solution and it was agreed upon that if I were to move out by XX/XX/2019 ( 2  months before the end of my lease ) that all debt and payments would be forgiven. This year the just now stuck me with a bill on my credit report for {$2000.00} and never sent me anything for it. This debt was settled and should not be on my report. They have also not responded to me about a copy of the bill so I can dispute it further.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several requests that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I paid an auto parts {$1400.00} seller through a paypal invoice and selected the advertised 6 month interest free financing offer after signing up for Paypal Credit. Paypal Credit coded the sale as a cash advance instead, and began charging interest for the transaction. After calling to resolve the problem, they insisted on continuing to classify the transaction incorrectly and continuing to charge interest. The only remedy they offered was a review that could take up to two months to complete, and which was not guaranteed to solve any of the problems, which would then leave me on the hook for 4 months worth of interest by the time I knew their answer. They are engaging in deceptive practices by offering this rate at checkout, then failing to honor it when they bill it to the statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$33.00} ; XXXX XXXX XXXX XXXX Balance : {$320.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX  whose account been put on hold. Well as XXXXl I am now the XXXX over the Trust of XXXX XXXX XXXX and his estate. So therefore XXXX has no right to continue to defame him on a false charge. It should be stricken from the Record cuz that account is no longer public but PRIVATE. Please remove this from the records so I can get my economic expenses back in order. I have trust, EIN Estate & Trust to prove what I am saying & I'm in the XXXX XXXX listed as a XXXX American. Thanks in advance.
Product: Debt collection

Today I contacted Central Credit Services LLC and informed that the debt in question had been charged off XX/XX/XXXX.I do not see this debt even listed on my credit report as well as no public record. I was originally taken to court XX/XX/XXXX and because I was on ssi the bank wrote the original debt off.
Product: Credit card or prepaid card

Somebody had my cash app card number and kept scamming me so cash app made me order a new one. I received it but it wont be activated because cash app says so! I have no real answer and they will not provide it to me!
Product: Debt collection

Northern Service Bureau has accounts listed that are my Ex-husband 's. I have tried for years to have them remove the accounts from my file but won't. We have been divorced since XX/XX/XXXX. 
XXXX opened XX/XX/XXXX XXXX XXXX {$40.00} XXXX opened XX/XX/XXXX XXXX XXXX {$40.00} XXXX opened XX/XX/XXXX XXXX XXXX {$40.00} I can't set up a payment plan on accounts with them when there are accounts on my report that are not mine.
Product: Credit reporting

There are XXXX accounts on my credit that do not belong to me and Equifax keeps stating that they have verified this info and I have called XXXX these companies and they tell me they have no information from me associated to those accounts. I keep telling them that they are reporting on my credit and they tell me that they can not tell the bureaus to remove something they do n't even have in their records this is extremely frustrating since no one is willing to help and Equifax has not done anything to help with this matter. Accounts are the following XXXX XXXX Bank XXXX - XXXX and XXXX # - XXXX those XXXX accounts are not mine and I never authorized anyone to obtain those accounts in my name.