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

This account is not mine. They have been billing me and I continue to pay because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I stayed at the resort once but only paid for the time I was there. I did not purchase anything from them. I have disputed this with the credit bureau but had no resolutions. I realized XXXX took my information and fraudulently used it without my permission to process transactions and open an account without my knowledge. This is a scam & I demand this to be thoroughly investigated promptly. This inaccurate account is being reported in my credit records and is hurting my financial stability. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but Ive had no responses. Ive sent out requests to Equifax and XXXX  and to the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Product: Credit reporting or other personal consumer reports

I cant get approved for any loans, apartments, or anything else because Experian is reporting inaccurate and incomplete information.For XXXX XXXX XXXX XXXX account they are reporting it was opened in XX/XX/XXXX but have no data available for payment history until XX/XX/XXXX XXXXThey can not determine anything when they dont even have certain data available.They are saying I received a loan but have no data for how long the loan term was allegedly for or how much the payment for the alleged loan was.The balance is also incorrect since XXXX XXXX XXXX never loaned me anything.For another Brightstar credit union account they are reporting that i was 30 days late for XXXX  months in a row XX/XX/XXXX to XX/XX/XXXX. I cant be 30 days late in XXXX if I was already allegedly 30 days late by XXXX they are reporting I was 60 days late in XX/XX/XXXX. I cant be 60 days late in XX/XX/XXXX if I was already allegedly 30 days late 90 days before in XXXX XXXXThen they have no payment history available since XX/XX/XXXX but have the account status as past due as of XX/XX/XXXX. They cant determine anything when they dont even have all the data available.For a XXXX XXXX XXXX account they are reporting an inaccurate balance. they cant say what the balance is when they have no payment data available since XXXX. The account status and balance hasnt been updated in XXXX  years since XXXX. This account is incomplete and has no updated history. For a XXXX credit account they are reporting inaccurate and incomplete balances. It says amount written off is {$25000.00}, amount past due is {$27000.00}, and the original balance is XXXX. Those are XXXX different amounts.They are saying I received an auto loan but have no data available for the monthly payments, they cant even tell me how much my month payment was for this alleged loan .They are also saying I received an auto loan which is wrong .They are reporting an XXXX XXXX collections account that is not mines. I have no contract with my name and XXXX XXXX. I have never received anything from XXXX XXXX  and I dont owe them anything. I have no documentation bearing my signature between me and XXXX XXXX I never gave XXXX XXXX my consent to even furnish my private nonpublic financial information.obtaining my information under false pretenses is aggravated identity theft. They are reporting a XXXX XXXX XXXX XXXX  account that is not mines. I have no contract with my name and credence resource management. I have never received anything from credence resource management and I dont owe them anything. I have no documentation bearing my signature between me and credenc resource management. I never gave credence resource management my consent to even furnish my private nonpublic financial information.obtaining my information under false pretenses is aggravated identity theft. You will remove these accounts or I will sue you for violating the FCRA .This is harassment and abuse, EXTORTION, DEFAMATION of character and a breach of privacy.
Product: Credit reporting or other personal consumer reports

Advance Bureau of Collections placed a {$6400.00} collection on my credit report for a debt related to an apartment in XXXX. I disputed this with XXXX, XXXX and XXXX requesting a verification of the debt that was not received and all three bureaus stated the investigation proved the debt was mine. On XX/XX/XXXX I contacted the debtor via phone requesting documentation that I indeed owed monies to them and was told my file could not be located but that the computer showed a balance. I then contacted the collection company whom stated that they do not have documentation outside of an invoice from the company but would not provide me with the documentation. I also requested a payment plan to try and resolve but was told I would not receive the payment plan in writing, as they did not provide any such documentation. I then contacted the debtor and requested that collection activities cease immediately due to no proof of debt/proof of payment plan. Neither has cooperated. 

15 U.S. Code 1692g - Validation of debts States that b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Product: Credit card or prepaid card

XXXX Paid {$1500.00} to the wrong AmEx account. Paid Macy 's AmEx instead of XXXX AmEx XXXX I called to redirect the payment to the appropriate AmEx. The representative claimed to have taken care of it. 
XX/XX/XXXX - Still no credit. Spoke w/XXXX ; complaint # XXXX. Promised to mail check in 3-5 days. Over an hour on the phone. 
XX/XX/XXXX - XXXX the supervisor told me that the funds had been transferred to an old Macy 's account and she would have check mailed ; again 3-5 business days XX/XX/XXXX - Supervisor XXXX told me that the closed account had a balance on it ; that account was charged off in a bankruptcy in XXXX. He would need to call me back the following Fri., once he got it straightened out. No call back. That phone call was over 1 and a half hours. 
XX/XX/XXXX - I began phone call at XXXX. Over two hours on hold with Macy 's credit, getting forwarded to a number of reps. Finally got hold of Supervisor XXXX ( XXXX ) XXXX who gave me another case # XXXX. He advised me that the check refund usually takes 7-10 days. He would contact me when he hear back from " them ''. I do not know who that was. 15 days later and 3 follow-up phone calls leaving messages, and no check or explanation. 
XX/XX/XXXX - Spoke w/XXXX who explained that he Needed to call citibank to see what they said.. I sat on hold for over 30 minutes it's XXXX  and when he returned he explained that the department that resolves the checks is still in in process. If I wanted to know more I needed to wait 3 to 5 business days for them to determine whatever they determine. He would not provide me with any further information on how to get my money back. He continued to say that that he could do nothing else for me. I simply had to wait for the citibank people Currently Macy 's has had my {$1500.00} for over 45 days. They do not seem poised to return my money despite the fact that they have acknowledged getting it and say that I need to take care of the bill with them.. Again, the bill they are looking at was written off in XXXX during a legitimately filed bankruptcy discharge. Macy 's acknowledges these acknowledges that information and has since opened me to additional Macy 's cards. One of them was for the XXXX XXXX that I sent payment to inadvertently. 
The money should be returned, and it appears they have no intention of returning it, which in my mind is theft. 
I currently do not have a balance with Macy 's and will be closing my account immediately after I receive my refund.
Product: Mortgage

Nationstar Mortgage foreclosed on my house, XXXX XXXX XXXX, XXXX XXXX, NV, XXXX on XX/XX/XXXX. I had multiple times requested Nationstar to provide proof that there was a valid and legal assignment of the Loan from XXXX, to XXXX XXXX XXXX, and from XXXX XXXX XXXX to Nationstar. The document that Nationstar provided, was a forged document, signed by " XXXX XXXX '', as Vice President of XXXX XXXX XXXX. I researched the name and found that XXXX XXXX is listed under fraud alert list of ROBO SIGNATURES. That fake assignment of the document is recorded at the assessor 's office, and that the document with which Nationstar Foreclosed on the house. 

I had hired an attorney, XXXX XXXX XXXX XXXX to sue Nationstar and the attorney abandoned the case, and summary judgment was granted. That attorney was sanctioned by California BAR Association. The case was prior to foreclosure. After the case got dismissed, Nationstar set a sale date. 

Few months After the sale, I received a tax for from Mr. Cooper, suggesting some how I gained $ 100,000+ by losing my house. 

The loan was for {$360000.00}, there was a second loan on the property by XXXX, which Nationstar did not contact, because XXXX is still trying to collect from me. Also The house was sold on XX/XX/XXXX for {$460000.00}, and Nationstar has not paid me any XXXX from the sale, and has not sent me any documentations regarding the sale, or how funds from the sale were distributed. The only thing I received was the tax forms from Mr. Cooper for {$100000.00} gain. The house was again sold sometime in XX/XX/XXXX for {$420000.00}
Product: Checking or savings account

On XX/XX/2023 three ( 3 ) blank checks with no signature was allowed too go through my account. I rarely write check but I did write a {$3.00} check to a medical merchant on XX/XX/2023. Instead three individual checks for {$100.00} dollars were sent through my account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 section 602 ( a ) states : Congress has established that the accuracy and fairness of credit reporting are essential to the functioning of the banking system, as detailed in this section. Inaccurate or unfair reporting methods directly impair the efficiency of the banking system and undermine public confidence. The presence of inaccurate or unverifiable information on my credit report contradicts these principles and needs to be addressed immediately.

15 U.S.C. 1681b ( 604 ) ( a ) ( 2 ) : This section stipulates that a consumer reporting agency may furnish a consumer report only under specific circumstances, including with the written consent of the consumer. I have never provided such written consent for the accounts in question.

15 U.S.C. 1681c ( a ) ( 5 ) : This section specifies the conditions under which certain adverse information may not be included in a consumer report. The presence of unauthorized accounts on my report violates these conditions and is causing unjust harm to my credit standing 3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section mandates that furnishers of information to consumer reporting agencies must not furnish information that they know or have reasonable cause to believe is inaccurate. The inclusion of these unauthorized items suggests non-compliance with this obligation.
Product: Mortgage

I filed bankruptcy back in 2012 on a 2nd mortgage on my property and it was included in my BK so I was told by my lawyer I did not need to make payments but the loan would sit on my title until I refinanced or sold the property. I am currently going through a refinance now that I am past my 5th year from BK and my lender is getting a payoff from Amerifirst Financial who held my loan which started at XXXX and before filing our BK we were paid down around XXXX and now Amerifirst is saying my payoff to satisfy my lien release on the property to close my loan is over XXXX payoff. I question how my payoff can be XXXX more than when it was discharged as part of my BK? I believe this to be mortgage fraud as this lender Amerifirst is trying to add funds to my payoff well over what I owe them. I am not responsible for any additional fees or interest accrued once my BK was filed and satisfied. My account number with Amerifirst was XXXX.
Product: Mortgage

When XXXX XXXX XXXX sold our loan to XXXX XXXX XXXX balance was XXXX they added 2nd mortgage of XXXX long as we made are payments on time for 3 years, They would defer XXXX off of principle balance XXXX Resulting in balance of XXXX. We made our payments on time. Document page 3 will explain it, I will fax page 3 to you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Late Payments on my credit reports are incorrect all the payments were made on time
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Direct to Consumer Report XXXX XXXX XXXX XXXX XXXX Credit Report XXXX XXXX XXXX Direct to Consumer Report XXXX XXXX Credit Report XXXX XXXX XXXX XXXX Prequalification for Credit Card XXXX XXXX XXXX XXXX Direct to Consumer Report XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Direct to Consumer Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Direct to Consumer Report XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$960.00} XXXX, XXXX XXXX {$10000.00} Account number XXXX Date opened XXXX XXXX, XXXX XXXX XXXX XXXX  Balance {$270.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} Account number XXXX Date opened XX/XX/XXXX 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1700.00} XXXX XXXXXXXX {$140.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXXXXXX {$490.00} XXXX XXXXXXXX XXXX XXXXXXXX {$410.00} XXXX   XXXX XXXX {$520.00} XXXX   XXXX {$190.00} XXXX XXXX XXXXXXXX {$190.00} XXXX XXXX {$410.00} DEPT OF ED XXXX XXXX {$82000.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/2025, I sent a certified written dispute to Credit Acceptance Corporation regarding multiple late payments being reported on an auto loan account. The letter was received and signed for on XX/XX/2025, according to XXXX tracking. 

In this letter, I formally requested an investigation and validation of the reported late payments under the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) and 611, which require data furnishers to report only complete and accurate information and to investigate disputes in a timely and verifiable manner. 

I specifically identified concerns including : XXXX XXXX XXXX compliance violations, where multiple late payments appear to have been reported for a single delinquency. 

*Inconsistencies across credit bureaus, suggesting erroneous or duplicate data furnishing. 

*Failure to provide documentation supporting the accuracy of each delinquency. 

To date ( XX/XX/2025 ), XXXXredit Acceptance has failed to respond or provide any verification. They continue to report these negative marks to the credit bureaus, which violates FCRA 623 ( a ) ( 1 ) ( A ), as the information has been formally disputed and not properly verified.
Product: Checking or savings account

Bank of America structures payment transactions to benefit the bank over other retailers. I paid a bill on XXXX in the early morning hours. A payment to the bank was set to pull its payment for a HELOC on XXXX or later. The bank has prioritized its payment over the payment that was made first causing my account to be overdrawn and the payment to the first retailer returned. When asked about this practice the customer service agent stated they were allowed to structure payments that way. Despite the fact that the other payment was made first.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery 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 ( File No. XXXX ) 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 I have marked as inaccurate : XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes particularly because of the recent CFMB lawsuit highlighting the significant issues with the platform. Despite me using Zelle numerous times and filing complaints, my financial institution failed to investigate my claims adequately and provided no sound resolution. They informed me that recovering my lost funds was impossible, and tracking these transactions was unfeasible and not an option. The CFMBs findings indicate that not only did Zelle neglect to protect consumers and customers but has also allowed repeat offenders to exploit the system, leaving us consumers vulnerable to scams and loss of funds. This lack of accountability and transparency Is unacceptable and raises very serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and it shows a bankruptcy listed on it. I sent letters to all three credit bureaus requesting documentation showing how they validated the bankruptcy. 

I received a response from Equifax and XXXX  just stating the bankruptcy was validated but did not send any proof of the validation.
Product: Credit card or prepaid card

XXXX issued me a prepaid debit card through northlane.com to refund an overpayment on an account. I activated the prepaid card, but when I attempt to use the card to pay {$6.00} toward my XXXX bill, XXXX tells me that payment is not authorized. I called the number on the debit card and I only received recordings telling me that the balance is {$6.00}. It's impossible to reach a live person. I log in to their website. Their website is excessively slow ; loading a page takes more than a minute. It shows me the balance is {$6.00}. The website shows that it is possible to transfer the money to a bank account through ACH. I clicked that link and after several minutes, it tells me that this account is not authorized ( presumably for the ACH service ). Then, I click another link and the site logs me out saying my session is timed out. I have been actively using the session. It's clear that XXXX doesn't want to refund me the money. Instead of simply sending a check, they sent me a debit card that is designed to be impossible to use. They have created so much friction, that they expect that I will give up and they will keep the small amount that they have overcharged me. This is ridiculous that businesses are allowed to do this -- nickel and dime customers to death.
Product: Checking or savings account

Usaa will not verify me for my account that I have been locked out of and now, after reading consumer report s and seeing this is a company scheme, I want the account closed. The company, usaa, refuses to respond to multiple telephonic and e- mail requests to do this when it was apparent that there never will be verification and my info is being, sold, used, and manipulated for financial gain. Shut it down!!!