23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under FCRA 605B, we need to remove any incorrect accounts from my credit report. Can you please check the documents? Some accounts are inaccurately reported, and I am due {$1000.00} for each mistake.
Product: Credit card

I stupidly applied for this card to get a bicycle. 
I never received anything in the mail for it. 
Eventually I would get Late notices in my email. 
Id make a payment through that... never having an account set up, this was the only way I could ever attempt to pay. 
I would do that. 
Id get an email saying payment never went through. 
For months this continued. 
I think 3 payments out of about 10 went through. 
now I am way behind, and about to have over 20 % interest because this company is XXXX. 

Contact support. There is no support. They give you links to chat that dont work. 
Call them. No humans, just machines repeating information that has nothing to do with my call. 

THIS IS INSANE! 

IVE NEVER HARD MORE TROUBLE TRYING TO GIVE SOMEONE MONEY IN MY LIFE. 

Now because they made it so hard to do... amazing.. I owe them more money. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights.I am writing this complaint today trying to get this self? XXXX XXXX ( XXXX ) account off my credit report I do not recognize this account as well as it has a late payment on it which is greatly effecting my credit report. This will be my second time contacting the company about removing this derogatory account from my credit report. I would like for this account to be taking off of my credit report across all three bureaus as soon as possible.U.S.C 1681 section 602 A. States I have to right to privacy. As well as there are two inquiries on my credit report that I did not apply for XXXX XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, XXXX, and Equifax only reporting me 120 days late payments. There was an error on their part. I was never 120 days late.
Product: Checking or savings account

Truist bank is now holding all checks i deposit for atleast 10 days even a {$2900.00} check. I currently have a check for {$5800.00} they are trying to hold until XX/XX/2026. I have called multiple times local and corporate I have been in office and no one will fix it. It is becoming a hassle to bank with them when they are literally holding every dollar i deposit they are currently holding {$8900.00} of my money for no reason
Product: Mortgage

I applied for a refinance through an offer with XXXX XXXX. With this deal I was supposed to be able to get a {$2500.00} credit when I closed a loan by XX/XX/20. 

I am now being told that I am not still eligible for this credit as the company cancelled out my application, not at my request and when I was still attempting to get into contact with the proper licensed advisory. They had me fill out a new application, but are now saying that this is not eligible for the promotion. 

This feels like they cancelled this out in order to keep me from being able to execute on this promotion.
Product: Mortgage

Our new mortgage company, Shellpoint Mtg, took over our mortgage right before Covid. I lost my job in XXXX like many Americans and struggled to pay the mortgage out of savings until we couldn't and requested forbearance around XX/XX/XXXX of last year. We've been in forbearance for the past 6 months ( which doesn't end for us until the end of XX/XX/XXXX ) and suddenly received a letter from the mortgage company last week with a PAST DUE amount of {$7200.00} which they will start reporting to all credit agencies XX/XX/XXXX. We were shocked and contacted the mortgage company to explain that I was still unemployed and the need the forbearance in place while I look for a job and would like the amount owed to be deferred to the end of the mortgage schedule. They explained that they refuse to allow me to stay in forbearance ( as I have no job ) and that I either need to pay {$7200.00} to avoid the negative reporting, or I could come off forbearance ( to begin monthly payment ) and request deferment at that point which would avoid the negative reporting. 

How am I supposed to look for a job which requires me to have decent credit, with a demand of either pay {$7200.00} right now or end your forbearance and then we'll agree to give you deferment. It's like they got me trapped and I have no choice when I don't have any options. 

PLEASE HELP - this can't be legal that they can negatively report that I am delinquent while I'm in forebearance. That just doesn't make any sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts : 1. XXXX XXXX XXXX XX/XX/2016 {XXXX} 2. XXXX XXXX XX/XX/2016 {XXXX}
Product: Vehicle loan or lease

Bridgecrest is reporting on my credit report, this account does not belong to me. I have submitted a police report and filed a complaint with the Federal Trade Commission in regards to an identity theft. I am respectfully requesting that this account be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I certified letters to these companies to open an investigation on accounts that are negatively affecting my reputation and credit profile to get clarity to why they were being listed. And I have yet to receive any proof of documents requested in my requests. During the months of XX/XX/20, XX/XX/20, XX/XX/20, I have reached out to these companies to rectify the matter and still to no prevail has the corporation complied or following the guidelines of the laws.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XX/XX/2024. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX. Experian XXXX - XX/XX/2024 : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had reached XXXX XXXX, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Product: Debt collection

THE DEPARTMENT OF ED/NELNET HAS BEEN REPORTTING CLOSED ITEMS AT TOTAL OF 30 ITEMS, EVEN THOUGH THEY ARE CLOSED, THEY HAVE BEEN OVER SEVEN YEARS AND WILL BE REMOVED. THERE WILL BE NO ARUGUMENT AND DISCUSSION, NELNET WILL REMOVE ALL THESE ENTIRES PERIOD
Product: Prepaid card

i have a prepaid rush card and is having promblem with my money been poster on my card have call rush card but there calls or high and ca n't get there to talk to anyone and this problem stared on XXXX/XXXX/2015 and i am not the only one having this problem with rush card everybody that use ruch card is too
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : XXXX XXXX date : XX/XX/XXXX To whom it XXXX concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, XXXX XXXX negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the XXXX major credit reporting agencies : XXXX, XXXX, and TransUnion ) XXXX shall be sent to me immediately. 
XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$490.00} Closed XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX / XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed Fraudulent Inquiries XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX This is an attempt to correct your records, any information obtained shall be used for that purpose. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX XXXX XXXX XX/XX/XXXX Flagship Credit Acceptance XXXX XXXX  XXXX XXXX, TX XXXX XXXX RE : Request for Refund of Excess Funds and Inquiry into Legality of Actions XXXX : XXXX To Whom It May Concern, I am writing to formally address the ongoing issue concerning my XXXX XXXX XXXX XXXX ( XXXX : XXXX ). The total price of the vehicle was {$22000.00}. Based on the loan terms, had I owned the vehicle for the full 72 months, I would have paid a total of {$89000.00}. At the time of purchase on XX/XX/XXXX, the vehicle had XXXX miles on the odometer. However, the vehicle was involved in an accident and was declared a total loss on XX/XX/XXXX. 

Per our conversation on XX/XX/XXXX, I should not be responsible for any interest accumulated after the vehicle was declared a total loss. Despite this, Flagship Credit Acceptance has declined to assist me in releasing any remaining funds, causing financial hardship as I need the funds to purchase another vehicle. 

XXXX XXXX XXXX has already issued a payment of {$28000.00} for the vehicle loan, a check for {$8900.00} for XXXX coverage, and an additional {$2200.00} for warranties associated with the vehicle. Flagship Credit Acceptance, however, is attempting to retain all of these funds, despite my requests for assistance. I have recorded conversations regarding this issue and have emailed Flagship Credit Acceptance for further clarification and support, but to no avail. 

Additionally, I have a letter dated XX/XX/XXXX, from XXXX XXXX XXXX, which clearly states that the lien on the vehicle has been fully satisfied. I am attaching all relevant documents, including this letter, as proof of the completed lien and payments made.

I am requesting your assistance in confirming whether the actions taken by Flagship Credit Acceptance are legal and to facilitate the return of any remaining funds that are rightfully owed to me under applicable laws. 

I appreciate your immediate attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX XXXX and XXXX XXXX  XXXX Attachments : - Letter from Flagship Credit Acceptance dated XX/XX/XXXX - Insurance payment documentation - Recorded conversation transcript ( if applicable ) - Additional supporting documentation
Product: Credit reporting or other personal consumer reports

There is a collection account called XXXX XXXX XXXX XXXXXXXX on my credit report that I do not recognize. Please delete this account of my credit reports because I do not believe that Im legally responsible for this account. Im going to upload my Massachusetts ID card and my Social Security card to verify my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to submit additional documentation to Experian through the upload website but it keeps saying that I can't submit anything. My online membership won't allow me to view any of my disputes. Experian has been notified that they are reporting inaccurate and fruadulent information on my report and they refuse to fix my consumer reports by removing the accounts that I have repeatedly brought to their attention. Experian is clearly breaking the laws that are defined in the FCRA. I have several complaints made through the CFPB and they still continue to violate 15 use 1681e ( b ), 15 use 1692g, 15 use 1681b ( 2 ), and pursuant 15 use XXXX are liable in the amount of XXXX per violation. I am providing a copy of the FTC report that lists all of the accounts that need to be removed immediately. this is myself sending in this complaint! I am attaching my drivers license as proof of identification.
Product: Vehicle loan or lease

On XX/XX/2025, I scheduled a final payoff payment of {$1600.00} for my auto loan with TD Auto Finance. On XX/XX/2025, TD Auto Finance withdrew {$1600.00} from my account ( Transaction : Td Auto Finance-Web Pay-XXXX ). However, on the same day, they also withdrew an additional {$440.00} ( Transaction : Td Auto Finance-Loan Pymt-XXXX ). 

My account on TD Auto Finances website confirms that I do not have any overpayments or credits, and as of XX/XX/2025, my total balance due was only {$1600.00}. Despite this, TD Auto Finance withdrew a total of {$2100.00} from my personal bank account on XX/XX/2025.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice some negative items on my credit report and sent a dispute to the 3 CRA ( transunion, XXXX, and XXXX ) on XX/XX/2020 about the inaccurate items -- most of them are items that are more than 7 years old and needs to be deleted asap, the rest are incomplete and inaccurate items that needs to be deleted as well. Neither of the CRAs has responded to me concerning the inaccurate items.
Product: Mortgage

When the CARES ACT was passed ; our current mortgage holder ; BSI Financial offered a COVID deferment opportunity. I was on a furlough salary reduction so my wife and I called, asked for the details, and then asked if we could apply. 

They told me that it would be for 6 months, interest-free, and in the end, we could pay the balance in full or have it added to the back end of the mortgage. 

We were good with those terms and asked if we could apply ; to which I was informed on the call that they didn't need any paperwork ; that it is automatically approved. I was told that they would reach out in XXXX to discuss the plans when the deferment was over. They did not.

We called multiple times in XXXX and eventually got someone on the phone. Our direct contact ( have had 4 different contacts ) never called back. They told us we had to refi with them for the balance of the outstanding debt XXXX XXXX XXXX, that we may not be approved, and that interest was accruing. 
We asked to start that process in XXXX of XXXX ' and have yet to get someone on the phone to update us on the status. 
We have made our full monthly payment in XXXX, XXXX, XXXX, and XXXX. 
We are trying to refi with a different company to get better rates and get our this servicer. 
They have refused to update the Verification of Mortgage to reflect our payments, indicate that we are on time ( says we have late payments ), and show a delinquent balance of the XXXX. 
We have called multiple times and asked for this to be updated but they don't change it. 
We can not refinance with another company until this is fixed and BSI won't call us back to fix the situation or refi it themselves so it is current.
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 how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSIONto file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in removing the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX , OH XXXX
Product: Debt collection

RAB performamce received a judgement against me for {$6200.00} on XX/XX/06. I never received notice of this hearing, and never had a chance to dispute or question the amount. Now RAB performance is demanding over {$14000.00}. I have called them many times and the will not offer any information or explanation. I am not even sure what this debt if from, they will not offer me any proof of that is amount is from.
Product: Credit card

Originally opened acct XX/XX/year> and approved for the highest interest rate when my credit score was over 750and low balance in other open credit accounts! When asked to reconsidered, I was told to apply to lower interest after 1 year! Applied after a year and still was not lowered!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  Fl XXXX Experian XXXX XXXX XXXX, Texas XXXX XXXX : Formal Dispute Regarding Inaccurate Reporting of XXXX XXXX Account Dear XXXX XXXX and co , I am writing to formally dispute the accuracy of the information being reported on my credit report regarding a closed XXXX XXXX account XXXX This dispute is made under my rights as afforded by the Fair Credit Reporting Act ( FCRA ), specifically Sections 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Details of the Dispute Account Name : XXXX XXXX and co Account XXXX Nature of Inaccuracy : [ State the specific inaccuracies here, e.g., " This account is being reported as delinquent, but it has been closed with a XXXX balance, '' or " The dates of delinquency are inconsistent with my records. '' ] Legal Basis for Dispute Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies are required to adopt reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. The reporting of the XXXX XXXX account violates this provision due to the inaccuracies stated above. 

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when an investigation reveals that disputed information is incomplete or inaccurate, the credit bureau must promptly delete or correct the information. Based on this statute, I am requesting the immediate correction or removal of this account from my credit report.

Request for Action Conduct a thorough investigation into the reporting of this account.

Provide written confirmation of the results of the investigation.

Delete or correct the inaccurate information as required by law.

Send me an updated copy of my credit report reflecting these changes.

Notice of Intent for Monetary Damages Please be advised that if this matter is not resolved promptly and the inaccuracies are not corrected or removed, I reserve the right to pursue monetary damages as permitted under the FCRA. This includes actual, statutory, and punitive damages, as well as any applicable attorney fees.

Supporting Documentation I have enclosed copies of relevant documents to support my dispute, including : [ List any supporting documents, e.g., account statements, correspondence, or screenshots. ] Please consider this letter as a formal request for compliance with your obligations under the FCRA. I expect a response within the time frame specified by law ( 30 days from receipt of this dispute ).

Thank you for your prompt attention to this matter. I look forward to your resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, Capital One decided to lock my checking account which had over {$XXXX} in it. I called and they said they were closing my account and I would receive a check in the mail. The next day, I received an email stating that my account was not closed and that it was being investigated. I called back and asked how long the investigation would take and they told me they did not have a turnaround time. From the day I activated my debit card, which is attached to that checking account, to the day they decided to investigate it, it had only been XXXX calendar days. I had only had XXXX XXXX   transactions with the largest XXXX  transaction being from my husband. The other XXXX were from friends.