23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

PROBLEM # 1 WHEN DISCOVER TOOK OVER SERVICING MY STUDENT LOAN FROM XXXX THEY ADDED OVER {$7000.00} TO THE BALANCE, I DEMANDED AN EXPLANATION IN WRITING AND THEY REFUSED. AFTER DOZENS OF PHONE CALLS ALL I WAS TOLD THAT IT WAS AN ERROR FROM INTEREST WHILE I WAS IN SCHOOL. I REQUESTED SUBSTANTIATION AND THEY REFUSED. I BELIEVE THIS CHARGE TO BE ERRONEOUS AS DISCOVER TOOK OVER MY LOAN 4+ YEARS AFTER I GRADUATED.

PROBLEM # 2 DEFAULTED ON THE LOAN AND NEGOTIATED A 20 % BALANCE REDUCTION AND 0 % INTEREST IF PAID BACK WITHIN 60 MONTHS WITH AUTO DEBITED PAYMENTS. HAVE HAD {$890.00} AUTO DEBITED FROM MY CHECKING ACCOUNT MONTHLY YET THE REPORTED BALANCE ON MY CREDIT REPORTS DOES NOT REFLECT MY NOW 4+ YEARS OF PAYMENTS. 

PROBLEM # 3 CREIDT REPORT SHOWS THAT THEY HAVE REPORTED MY ACCOUNT AS CLOSED, WHICH IT CLEARLY IS NOT PROBLEM # 4 THEY REPORTED TO THE CREDIT REPORTS THAT THE ENTIRE BALANCE WAS CHARGED OFF, WHICH IT WAS NOT SINCE THEY HAVE BEEN AUTO-DEBITING A MONTLY PAYMENT FOR 4+ YEARS. 

BANK RECORDS CAN BE PROVIDED SHOWING THE AUTO-DEBIT, UPON REQUEST. THE LETTER ABOUT THE $ XXXX ADDED IN XXXX WAS LOST WHEN WE WERE THE VICTIM OF A XXXX  IN XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to several charge off accounts on my credit report, including the Child Support Enforcement XXXX account, XXXX XXXX XXXXXXXX XXXX account, XXXX XXXX XXXX XXXX account, XXXX XXXXXXXX XXXX account, and XXXX  XXXX account. 

As you can imagine, seeing these derogatory marks on my credit report has been emotionally distressing. I have been struggling financially and have been working hard to improve my credit score, but these charge offs are hindering my progress. 

I would like to dispute these accounts and request that they be removed from my credit report. I understand that I have a legal obligation to pay my debts, but circumstances beyond my control have made it difficult for me to make timely payments. 

I kindly request that you provide me with any documentation or information regarding these accounts, including the original creditor and the date of the last payment made. Additionally, I ask that you investigate these accounts and remove any inaccurate or outdated information from my credit report. 

Thank you for your time and attention to this matter. I hope that we can work together to resolve these issues and improve my credit standing. 

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

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XX/XX/XXXX/XX/XX/XXXX and on XX/XX/2019, CAPITAL ONE add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit card or prepaid card

Disputed charges were not credited back to account in a reasonable amount of time. Fraudulent charge was removed but was added back to the credit card. Customer service unwilling to remove the charge. 

Charge was originally made on XX/XX/2022, " XXXX *XXXX  XXXX XXXX XXXX XXXX FL '' Charge was credited back to the account on XX/XX/2022 Charge was billed back to the account on XX/XX/2022 Called credit card company multiple times over the last three months to resolve which only resulted in being transferred to different departments with no resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion still hasnt removed a bad inquiry report from my report that has been closed.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. i was shocked to learn that i have been a victim of identity theft. i found numerous account on, y credit report that were not open by me. this has been hurting me as i am in the process of buying a home for my family. please remove the fraudulent accounts from my credit report as soon as possible. 


ACCOUNT NAME ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Accidentally paid off loan twice I thought. One main financial would n't talk to me for a year and a half until i had the XXXX Attorney generals office contact them. They finally contacted me after they contacted them regarding this matter. In talking to them and verifying payment. I found they received the certified check and cashed it. But they did not receive or cash the check from Home title company. So now One Main Financial has not reported to the local county that the loan was satisfied or the credit bureau. Also Home title will not release the funds until One Main Financial does so. So the title company have held onto my money for almost two years now without notifying me and no indication of when they will release it even though i provided proof that the loan had been paid in the form of a certified check. Also One Main Financial has not provided proof to the title company, the county that the house was sold, or the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute these inquiries Iam unaware of them, I do not recall MakiXXXX these ... I would like them removed off my report
Product: Credit reporting or other personal consumer reports

Upon checking of my credit report today, can't help but notice that there are inquiries in it that I don't recognize which was really concerning it made me extremely anxious. I did not give permission to these companies to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.
Product: Mortgage

REGARDING XXXX, The information provided by XXXX XXXX XXXX XXXX. We ar requesting a complete XXXX o all payments sent to L and J and all communcation regarding from the XXXX XXXX regarding previous outstanding amounts. All claims filed within the XXXX by L and J!
Product: Credit card

This clumsy deceit comes from the comenity bank, XXXX thought they could scam my name and give my wife the credit card? This flim-flam scam came from them, how did they get my correct address? Why did they use my wifes birthdate? My wife has a ongoing bill and/or account with them, I called some phony person there, he got evasive fast, refused to say how this clumsy idiocy magically happened, TO much of a coincidence, no scumbag thief would magically know my correct address and my wifes birthdate unless it was 1 of there XXXX employees. TO stupid to believe magical identity theft, especially since I have XXXX XXXXXXXX, I pay XXXX to monitor my credit and name ssn, XXXX warns me of any new applications, NO warning, that is why I suspect 1 of there XXXX employees????? Plus there lying because I have a fraud alert on all 3 credit bureaus? HOW did this phony application magically get thru all those barriers I put up????
Product: Credit reporting, credit repair services, or other personal consumer reports

My phone was stolen last year around XX/XX/2021, I have not made any inquiries on credit cards or loans. On my phone that was stolen I had XXXX XXXX  and XXXX XXXX, I had it where it would auto fill my information. I need all them inquiries removed from the past year. I cant believe how many car inquiries and XXXX XXXX inquiries are on my trans union and XXXX. XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX is sending incorrect information to Transunion credit bureau. A month ago I noticed that my transunion report was showing my mortgage loan from XXXX XXXX XXXXXXXX as closed. It was correctly showing open and current at XXXX and XXXX I asked transuniion to get an update from XXXX XXXX XXXXWhen they got the update it dropped my credit score at transunion from XXXX to XXXX. Meanwhile my score at XXXX was XXXX and my score at experian was XXXX credit advisor told me that whenever there is a XXXX or more point difference in the credit bureau XXXX XXXX a bad mistake has been made by the creditor, the agency or both.I believe the mistake was XXXX XXXX XXXX reporting wrongly to the transunion agency that i was presently or previously involved in a XXXX XXXX bankruptcy, and that I had been discharged of any obligation to pay my mortgage debt.This is absolutely wrong. I received aletter from the mortgage company on XXXX stating just that. I called and reminded them that I had signed an affirmation ageement in XXXX during bankruptcy proceedings, stating I would continue to pay the mortgage as agreed in our original contract.Therefore they had no right to send this incorrect information to transunion. or any other credit bureau.Their egregious action has plummeted my Transunion credit score without a cause. That wrong information should never have been sent.All they had to do was send in that it is open, it is current, and his payment history shows, never late.I ask the CFPB to convene in this matter on my behalf.
Product: Debt collection

I have no information or knowledge related to this debt and wish for this debt to be removed from all XXXX credit bureaus immediately.
Product: Debt collection

The collection agency is mistakenly charging me. XXXX XXXX is the original creditor.
Product: Mortgage

Bank of America mortgage account XXXX is being reported 'open ' as of XXXX XXXX, 2015 ( please see attached documentation ). However, after numerous conversations with Bank of America representatives including XXXX XXXX and XXXX XXXX, I have been told that the account is, in fact, closed. Bank of America must clear this matter up immediately by correctly reporting the account status as closed. Failing to do so is in direct violation of the Fair Credit and Reporting Act, 15 U.S.C. 1681 ( " FCRA '' ), and if the information can not be reported correctly it should be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting different names in my credit report. My name is XXXX XXXX XXXX not XXXX XXXX, XXXX, XXXX, XXXX XXXX etc. This company is also reporting an closed account that is hurting my credit and character. I've spent alot of time disputing this account from XXXX XXXX  and still haven't seen any changes.
Product: Money transfer, virtual currency, or money service

I was supposed to receive a refund in the amount of {$570.00} on my gift card and they blocked my card. I am supposed to send proof of purchase so they can unblock the card. I made many tries to contact amd they are rude, some do not help. They said they would send me a email so i can submit the purchase so they can release the money. They never sent me anything. I spoke with the cardholder bank, XXXX XXXX XXXX XXXX and they do not bother to help fast. My card is about to expire and they are not helping
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an error on my credit report that is very easy to see and to correct if an actual person was reviewing my file. On my credit report with Equifax, it is showing I made three late payments to XXXX XXXX XXXX, XXXX & XX/XX/XXXX. This is incorrect. My loan with XXXX  was transferred to XXXX on XX/XX/XXXX. In fact, the Equifax credit report shows this BUT for some reason Equifax is reporting those late payments which is impossible as the loan was transferred XXXX years earlier. 

I have contacted both XXXX and attached a record of all payments made on time to XXXX which includes the dates of the incorrectly reported late payments. Furthermore, you can not get through to an actual person at Equifax. Their auto attendant does not work so it's impossible to contact them.
Product: Debt collection

I had a Home Depot credit card during my marriage. I didn't know, until I left my husband, that he wasn't making payments on any of the debt that was in my name. I was contacted by XXXX XXXX  that my card had gone to collections and set up a $ XXXXmonth payment plan with them in XX/XX/XXXX. My divorce was finalized in XXXX of XXXX and I settled with them and paid my agreed upon debt settlement on XX/XX/XXXX. 
On XX/XX/XXXX, I began being contacted by XXXX XXXX XXXX. They were trying to collect the same debt. I contested this and explained I'd paid it. They did an " investigation, '' only to come back saying that I'd never paid off the account. 
I've been calling and emailing XXXX XXXX since then and have not gotten any response. 
In addition to being hounded for payment by XXXX, this is negatively impacting my credit score. 
Thank you for your help.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

I was a customer of Bank Of America and had 4 credit cards with them. They cancelled all my credit cards without prior notice and i believe it was because i am a conservative. I believe this is discrimination. It was on the news also about what happened to many others with this Bank.
Product: Credit card

Wells Fargo Bank refuses to take responsibility for the illegal unauthorized fraudulent transactions and charges. Wells Fargo Bank representative XXXX XXXX says over the phone on a recorded line that she would review the fraudulent transactions and charges. Wells Fargo Bank XXXX XXXX after 70 days has not accepted responsibility for the unauthorized fraudulent charges and fraudulent transactions and illegal unauthorized fraudulent transactions are has not accepted responsibility or given any reason not to answer the questions and complaint despite XXXX  police report XXXX. XXXX and XXXX XXXXXXXX XXXX immediately accepted responsibility for the unauthorized fraudulent charges and fraudulent transactions and illegal unauthorized fraudulent transactions
Product: Mortgage

This is a follow-up to Complaint No. XXXX, which Bank of America improperly , indeed deceptively, closed by making the specious claim that I am not authorized to receive information about the HELOC in question. In XX/XX/XXXX I provided to the local B of A branch the original Declaration of Trust of the XXXX XXXX XXXX and established that I am the sole living trustee of the trust, and I have since submitted to B of A a copy of the grant deed recorded on XXXX XXXX, XXXX which transferred the property securing the HELOC into the XXXX XXXX XXXX. The speciousness of B of A 's claim is demonstrated by the HELOC statements that were sent to me at my home address every month from XXXX XXXX, XXXX to XX/XX/XXXX, an example of which I will upload with this complaint. If I am not authorized to receive information regarding the loan, B of A needs to explain why it sent me these statements. Otherwise, it needs to acknowledge that it has lied to close a legitimate CFPB complaint, and CFPB need to take appropriate disciplinary action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Balance : {$5500.00} XXXX  XXXX Balance : {$17000.00} XXXX  XXXX Balance : {$5500.00} XXXX  XXXX Balance : {$17000.00}. XXXX XXXX Balance : {$5500.00} XXXX XXXX Balance : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX reported inaccurate account balance for account number XXXX on my XXXX, Equifax, and XXXX credit report. I filed a dispute with this bank and the three above credit beaus on XX/XX/19 because I paid this balance in full. Nothing was done and they are still report a balance of {$400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these accounts on [ XX/XX/2022 ], Experian recieved the complaint on XXXXthe date of last activity shows 3 different dates even after your investigation. delete this account for FCRA non-compliance of inaccurate data being furnished on the consumer report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed it 36 days ago and the required notice of dispute is missing. That indicates that there was not a proper investigation. Delete these account for failure to perform investigation per fcra regulations. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Ive attached my XX/XX/2022 credit report and appropriate documents to back up my complaint.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights, 15 U.S.C 1681 section 602 A. States | 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 a 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 he 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.
Product: Credit card

I redeemed XXXX points from my American Express rewards account for a {$50.00} gift card on XX/XX/year> around XXXX. I received the confirmation email for order # XXXX, but I have never received the card. I have spoken with roughly XXXX different Amex customer service reps to resolve this and am only left frustrated with XXXX resolution. They ask questions they already have the answers too, then forward you to another department only to be asked more questions and then told Ill have to speak with another department. It is unethical and bad faith business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed these accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or accounts which are found to be opened due to identity theft. The disputed accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$710.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the accounts is accurate without providing any evidence of a through investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. 
I request that CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

This are the accounts that I marked as inaccurate : XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX  XXXX Account Number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX  Account # XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife reviewed her credit report and our car loan that we are co-applicants on are showing two completely different payment histories which is IMPOSSIBLE. My wife 's credit report shows 100 % on time payments and mine shows two missed payments. I sent a dispute XX/XX/XXXX and received Equifax 's investigation results this week and the payment history is unchanged. This is a clear discrepancy in their reporting.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of the account associated with my name that your agency is attempting to collect. I recently received a notice from XXXX XXXX, dated XX/XX/XXXX, XXXX dated XX/XX/XXXX. However, I want to emphasize that this account is not mine and has never belonged to me. I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and I request that you take immediate action to removed negative marks from my credit report. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 
I expect a prompt response within 30 days of the receipt of this letter, confirming that the erroneous account has been closed and that any negative reporting related to this account has been removed from my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Transunion is in violation and not in compliance with Metro 2