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

My federal student loan was discharged due to XXXX and Permanent XXXX ( TPD ) as of XX/XX/year>. I informed the credit bureaus XXXX, XXXX, Experian and the loan servicer XXXX, and sent them all a copy of the XXXX Department of Education discharge letter. The credit bureau will not change the status of my student loan accounts and they will not close the accounts. They closed my disputes with no action. Totally ignored the evidence and request and gave no reason why the disputes were not resolved or honored.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3800.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and identified fraudulent accounts that are negatively impacting my creditworthiness. Kindly remove these accounts promptly, as they hinder my ability to obtain credit. Regarding the collection with no name or contact information, Im taking immediate steps to secure my financial standing and request the removal of this account from my report.
Product: Mortgage

Our FHA mortgage was paid off on XX/XX/2022. Due to being paid through a court appointed trustee additional payments were sent after the loan was closed. A payment in the amount of {$4000.00} was applied to escrow on XX/XX/2022 and a payment of {$1400.00} was applied to escrow on XX/XX/2022. 

I have contacted Freedom Mortgage to return the escrow funds via phone and email a minimum of 5 different times. They keep telling me that they have to research why the funds have not been returned. I got tired of hearing excuses so I completed some research of my own. 

It was through my research that I found SS 1024.34 ( a ). This said that once a loan is closed the mortgage company has 20 days to return funds in the escrow account if they are not rolled over into a new loan. 

I sent a message to Freedom Mortgage on XX/XX/2022 noting this protection and they emailed me back the same generic message that it needs to be investigated and they need until XX/XX/2022 to complete the investigation. 

They have quoted me at least 5 different dates that the investigation should be completed by and not once have they ever completed anything related to my request to have the funds returned to the trustee. 

I am at my wits end trying to get the funds returned as they would help us pay a good portion of our bankruptcy off and they should have been returned long ago. I am not sure how they are supposed to have 20 days to return the funds but they have taken almost 4 months already and there is no end in sight for they funds will be returned. 

I am trying to get some oversight involved in the hopes that it will help Freedom Mortgage comply with precedent when it comes to returning funds on a closed account. 

Any help would be greatly appreciated.
Product: Credit card or prepaid card

My mother opened a capital one credit card in my name without my permission. I just noticed it and this is fraud I did not open anything.
Product: Debt collection

Columbia Debt Recovery has been charging interest on this account since they acquired it. My original lease contract does not mention that any late payments will be charged interest on a monthly basis. Lease is attached for review. Please provide proper documentation of a signed contract which would give Columbia Debt Recovery the right to charge interest. 

According to XXXX, " 15 USC 1692f 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ''
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2013 XXXX  XXXX Balance : {$8000.00} XXXX XXXX XXXX Balance : {$290.00}
Product: Credit card

On XX/XX/XXXX of XXXX I made a purchase with XXXXXXXX  for a pair of XXXXXXXX XXXX XXXX  on XX/XX/XXXX I contacted the company to find out where my package was they said they could not locate it so I have been waiting a almost a month for these XXXX on XX/XX/XXXX I contacted the company and ask them again to put a tracer or something on the package so they could find out where it was they still were unable to locate it so therefore I ask for a refund I at that time contacted cash app who I made the purchase through with my cash app card to dispute the charge because I had not received the merchandise and it had been over a month I let them know I had contact the company I had the email from the company saying that they were going to look into it back then and that they apologize but they were going to check with their shippers I never heard anything else back from them I sent that copy Into Cash app along with my dispute they did not even take long to respond to me and say that my claim was denied this is not the first time that I've had trouble with them not doing an investigation they got back to me in 2 days it took me that it took me longer than that to even get in contact with the seller to even get an email back so I know they did not do an investigation so they are denying people and people are getting scammed as I have out of their money and they're just pressing the deny button without doing any kind of Investigation and someone really needs to look into this because I'm sure I'm not the only one
Product: Debt collection

On XX/XX/XXXX I contacted Diversified Consultants in XXXX, FL and paid a past due bill originally owed to XXXX XXXX XXXX in the amount of {$300.00}. The company agreed to contact all 3 credit reporting bureaus and update this account as paid. As of XX/XX/XXXX, it still shows as derogatory and debt unpaid on my credit report.. The company has had 30 days to complete this transaction and they still have not held up their commitment. I also paid 2 other past due bills in collections off during this time and those companies upheld their commitments to remove their accounts and send me a written notice in the mail that this debt has been paid. Diversified consultants have neither updated to the credit reporting agencies or sent a written notice showing that this debt is paid. What do you do when a company takes your money then ignores you??
Product: Debt collection

I received and automated call from XXXX ( Premier Portfolio Group ) notifying me that if I did not call XXXX by the end of the business day, legal action would be taken against me. I called the number and spoke with XXXX XXXX. She stated that her client wanted to give me a chance to pay on a past due payday loan from XXXX before paperwork would be filed in XXXX XXXX County and I would be charged with Intent to Fraud and Malicious Intent due to the fact that the checking account I supposedly took this loan against was closed. 
I asked for verification of the debt and she could n't provide me with anything. She then stated that if payment arrangements were not made by the time we ended our call, she would notify her " client '' that I refused to pay and legal action will begin. She informed me that the amount owed was {$620.00} and if I did n't pay, there would be another {$1000.00} in attorney 's fees that I would be responsible for. She said I needed to pay by XXXX XXXX. I informed her I could n't pay anything until XXXX XXXX. She then offered a settlement amount of {$430.00} if I paid immediately. I again told her I could n't pay anything until XXXX XXXX. She then asked if I could pay anything on XXXX XXXX. I told her I could possibly make that work. She then transferred me to what she called a " secure line '' and took my debit card information. I later received and email with the payment arrangements listed on them and began to do more research. First off, the debt was from 2011 and the statute of limitations in California to collect a debt is 4 years. Also, the date noted on the payment arrangement notice listed that the date was taken out on XXXX/XXXX/2011. At that time, I was out of work on XXXX and due to that fact, would not even qualify for a payday loan. I did not return to work until XXXX 2011.
Product: Credit reporting

United Accounts has listed I owe a XXXX XXXX XXXX bill of XXXX and that bill has been paid for 2 years as I have service at XXXX in my name now. I want it updated on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am notifying XXXX XXXX that there is inaccurate information that they are furnishing on my consumer report. My utilization for my credit report is a transaction and an experience thats being furnished onto my report which is not supposed to be on there. Please see letter attachment for full complete letter.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : According to my records, the payment in question was made on time. Attached, I have included my bank statements showing that the payment was processed and cleared before the due date. 
Clerical Error : It appears there may have been a clerical error in how the payment was recorded by the creditor. I have verified the payment confirmation from my online banking records, which shows the payment date and the amount, indicating the account was paid in full on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
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 a account without my written instructions.

15 U.S.C 1681 ( i ) - Procedure in case of disputed accuracy : States that if, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of XXXX XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of XXXX XX/XX/XXXX & XXXX XXXX Date of XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly 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. 2025-CFPB-0002 ) 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. I have listed the accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I see that I have some hard inquiries that I did not authorize. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1600.00}
Product: Credit reporting or other personal consumer reports

These accounts were noticed between the month of XXXX and XXXX. I'm requesting an removal from my credit report. I've recieved an mail with my updated report noticed these accounts I never gave any consent to anyone so I am asking that this be investigated and REMOVED - Thank you.
Product: Credit reporting 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 XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

While I am at work the collection agency repeats calling me during working hours about a hospital bill. I have not yet received any notice from the hospital explaining the bill in question, so I can provide medical insurance information and have my insurance pay for the bill or whatever needs to be covered by the insurance company. They just outright put me through collections without any notice.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX I called to give my payment to PNC bank. They accepted the payment and told me it went through. 30 days later they tell me I have a late payments and that the payments was never processed for 65 .

In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 6 o 2 states I have rights to privacy 15 usc 1681 section 6 o 4 a section 2 its also state a consumer reporting agency can not furnish an account without my written instructions under 15 uscs 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I filed a XXXX XXXX bankruptcy on XX/XX/year> and during this time I was contacted by creditor XXXX XXXX after filing my XXXX  XXXX bankruptcy. They also have reported me as delinquent and late during this time as well on my XXXX XXXX Equifax credit reports along with XXXX, & XXXX both are still reporting me as a charge-off despite my XXXX  XXXX Bankruptcy filing and status. 


XXXX XXXX XXXX XXXX XXXX has reported me as delinquent despite my Chapter XXXX Bankruptcy filing and has contacted me about my intentions even though they are not supposed to do so. 

XXXX has reported me as a charge-off despite my XXXX  XXXX Bankruptcy filing and has contacted me about my intentions even though they are not supposed to do so. 

Equifax Credit Reporting XXXX has reported me as a charge-off despite my XXXX  XXXX Bankruptcy filing and has contacted me about my intentions even though they are not supposed to do so. 

XXXX has reported me as a charge-off despite my XXXX  XXXX Bankruptcy filing and has contacted me about my intentions even though they are not supposed to do so. 

I have also lost a serious amount of points as a result of this as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is in error. I submitted a check for payment in full. 
I have provided them with a copy of my contract and my check which was endorsed by XXXX XXXX XXXX. They have payment in full. 
Both the credit bureaus and this bank have their story wrong and I have not my opinion but documentation. I have hired a lawyer to help on this and want to notify the Consumer Financial Protection Bureau that I am being mistreated by the credit reporting agencies. 
I have furnished evidence to both of the aforementioned parties and they have responded with zero evidence.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXXas evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX number XXXX