23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted approximately 60 days ago about a debt from a company that i had never heard of by IC Systems. The collector said I knew who it was and I needed to pay the bill. I made the collector aware that I would not pay a bill that I did not owe and if he couldn't validate it I wanted no more calls. 60 days later its on my credit as a collection. I still have no idea about the bill.
Product: Credit card or prepaid card

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on COMENITY BANKXXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several months ago I filed a complaint with the Consumer Financial Protection Bureau, against XXXX XXXX XXXX for reporting erroneous late payments to the credit bureau. 

I also file complaints against XXXX and TransUnion falsely lowering my credit score ; reporting incorrect late payments and refusing to remove inaccurate collections on my records. Today I reviewed my credit report and both credit reporting agencies are indicating I am 4 payments behind on my vehicle loan. The report is showing I am 30-90 days behind on my vehicle loan with XXXX XXXX. I am at the mercy of these credit bureaus because it takes 30 days for them to investigate and another 30 days for them to correct the error. Then the error appears back on my credit report. I have been fighting this since XXXX. I contacted XXXX XXXX and their representative says they are not reporting any late payments. Please tell me what to do
Product: Credit reporting or other personal consumer reports

Ive tried multiple times with no prevail, I waited over 30 days 2 times and the last one they still didnt fix my credit report, I have XXXX accounts on my credit report that are 5 years or older and per XXXX law its illegal to collect ANY debt over that time period, so it is to be taking off, I also called Experian and give them notice of the things I was opting out of and per 15 usc 6508, when the company is giving notice they are to fix it and have it reflected on my credit report, they are also reporting bank transactions which is illegal, and I haven't received my 1099cs for any of these accounts in order to do my taxes properly, they are violating my consumer rights and not doing theyre job
Product: Vehicle loan or lease

I had a car loan with Northwest Bank that was charged off in 2015. However, the interest has continued to accrue, which means that the balance continues to increase. I have informed the bank that my income is solely derived from XXXX benefits, which subjects me to a perpetual hardship. I have requested the post-discharge interest be discontinued but the request was denied. 

www.northwest.bank XXXX
Product: Credit card or prepaid card

When i Opened the account, I did not realize the account got zero rewards. So the account is essentially a dud and has zero benefits, unless i want to be late all the time and get the no late fee benefit. When i called customer service upon the account being about 4-6 months old, I was informed i needed to wait until it was 12 months, at which time i could convert over to a rewards card. 

I called customer service today and was told this was a lie, that i would have to go open up a brand new card, further lowering my credit score with both an inquiry and a new account opening. This new story is a polar opposite from what was previous given to me for information, and further online research shows other card members are able to convert there cards.
Product: Money transfer, virtual currency, or money service

I use Zelle weekly if not daily. I unfortunately have had to work with Zelle on many occasions I have worked with their fraud department with either no help or very time consuming help.
Product: Debt collection

I contacted Bank of America on XX/XX/2023 via mail, in regards of getting the charge off account deleted off my credit, since it is now a canceled out debt considering that it is a charge off now. I have still yet to hear anything back from them and see no changes on my credit report and it has been over 30 days.
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquires I want them blocked & removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it. Yes, if it has been 30 days since the final payment resolving your account successfully posted, XXXX requested the credit reporting agencies delete the XXXX tradeline related to your account from your credit bureau report.
Product: Mortgage

In XXXX, Wells Fargo Home Mortgage reported to one of the major consumer reporting agency i.e. XXXX THAT my alleged mortgage balance = XXXX ; ( I have a copy as evidence ) ; In XXXX, Wells Fargo Home Mortgage Wrongfully foreclosed my primary house... 
XXXX XXXX XXXX XXXX. 
XXXX, Oregon XXXX Market Value = {$420000.00} ; I am open to negotiating a discounted offer on my Claim, to make me " Go Away ''
Product: Credit card

Sears should have protected me against the fraudulent use of my credit card and failed to do so. 
A company charged my credit card without sufficient authorization. 
The company said1. I would not be charged even if my insurance company paid nothing. 
2. Then they said that my insurance company paid for it. 
Neither of these XXXX things were true. I found this out because the company charged me anyway. 
I disputed the charge and Sears Master Card denied my claim. In denying my claim they failed in their obligation to protect me from invalid charges.
Product: Debt collection

They have been repeatedly calling me at least twice a day for the past month. I recently answered the phone, and as they spoke about that I didnt confirm nor deny it was mine. All I did was ask for debt validation letter and the contract from the original creditor, or any documents pertaining to this credit from the original creditor mailed to the address that they stated they continue to say that they couldnt do it and it wasnt available so then they put me on the phone with a supervisor and both times the supervisor continue to ask me for my name and all I said was if they can send the above name documents to the address that they have on record and she continue to say if you dont tell me your name, I will not talk to you and proceeded to hang up
Product: Debt collection

I have informed this company A. that the alleged debts that they provided to me are not mine. B. I've informed this company NOT to contact me during work hours. I work from home and on TWO occasions they have contacted me during working hours. Once I remind them of this they apologize and hang up.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX Date of Birth : Date of Birth : XX/XX/1991 Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX , New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
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 extortionXXXX XXXX XXXX XXXXXXXX Balance : - ; Bankruptcy XXXX  XXXX Reference # : XXXX ; Bankruptcy : XXXX XXXX Reference # : XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I accessed my Equifax Credit Report and see that the information regarding my credit worthiness is wrong. On my Equifax Credit Report it does not show my current personal information and does not show the current credit card accounts that I have showing my excellent credit score of XXXX like it shows on XXXX  and XXXX XXXX. I feel this discrepency is affecting my ability to get better offers for credit cards or loans.
Product: Payday loan, title loan, or personal loan

Our panels were installed end of XX/XX/2022 incorrectly and disbursements were issued from Mosaic to installer without proof of job completion or the panels functioning correctly. 

We initially reached out to installer ( XXXX XXXX XXXX ) for XXXX weeks without any response. We have learned that XXXX is no longer in business. We then turned our focus to Mosaic to find out if they had dispersed all the payments for installation to XXXX. 

We are now stuck with a loan ( {$45000.00} ) that is not operational because Mosaic dispersed all funds to installer without proof of complete installation. We have reached out to Mosaic repeatedly since XX/XX/2022 requesting resolution and have received only denial of any blame. 

We've already consulted with another roofing/solar business, regarding what we need to do for the solar panels/system to be operational. The guidance is to out of pocket completely remove, rewire, reinstall panels, and also remove/replace damaged roof ( XXXX XXXX XXXX roof ) caused by original & incorrect installation. Additionally, the roofing/solar business that inspected our panels & system told us the way the panels were installed present a fire hazard. 

We believe Mosaic breached our contract by dispersing all payments to original installer without proof of operational system.
Product: Mortgage

Nationstar mortgage i feel like is harassing me.Im not even 2 months behind they sending me different amounts saying they are going to foreclose
Product: Credit card

This complaint is towards XXXX XXXX and Discover Card. XXXX XXXX maliciously reversed a charge when they lied to me and told me they do not have that ability. And Discover Card permitted them to scam me. 

On XX/XX/year>, I purchased a ticket via a XXXX XXXX XXXX XXXX for {$890.00}, with flights provided by XXXX XXXX. On XX/XX/year>, I arrived at the airport XXXX hours in advance with all of the necessary documents needed to board my flight. The ticket agent stated I couldn't board the flight due to visa issues. This caught me completely off guard, as I had no idea, and XXXX XXXX did not inform me of this problem. 

I was unable to board my flight and promptly called XXXX XXXX customer service for a refund. The agent on the phone lied to me and told me I needed to call the travel site for my refund. I called the travel site, and they said I needed to request the refund from XXXX XXXX, as they had paid the funds to them. 

Eventually, I called my credit card company and requested a chargeback. Everything went well, and my money was returned to me. However, XXXX weeks later, I saw a " reversal of funds '' on my credit card statement. Apparently, XXXX XXXX ( who told me they could not provide me a refund ) took the money from my credit card and refunded the funds back to themselves. 

Why would XXXX XXXX refund me my money, then reverse the decision and take it back? The Discover card agent told me they have never seen such a confusing moving of funds leading me to believe XXXX did something malicious. 

My main gripe is with XXXX and is in the process of finding a small claims court if this matter is not resolved amicably.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX WY XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXXXXXX Balance XXXX {$300.00} XXXX XXXX Balance : {$870.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$740.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX INFORMATIVE XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is refusing to unfreeze my credit report. When I contact them they state I need a pin number but won't tell me how to get the pin number. When I asked them who I would file a complaint with they just hung up on me. This happened repeatedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, Account XXXX XXXX XXXX XXXX and Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and Account XXXX XXXX XXXX XXXX XXXX and Account XXXX XXXX XXXX XXXX has violated my rights, They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions They also violated my rights 15 U.S.C. 1681 SECTION 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receives my disputes.

They also violated my rights 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

They also violated my rights 15 U.S.C 1681 SECTION 604 A Section 2 : It also states a consumer reporting agency can not furnish account with my written instructions.

They also violated my rights 15 U.S.C 1681e ( b ) and 15 U.S. Code1681i ( 5 ) This account is in violation, not reporting 100 % accurate it lists the child support court as the furnisher that is forgery and misleading when the courts do not report this type of account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a police report to all 3 credit beuros aeveral times reguading the following i b quires. I need them removd immediately because they are causing negitive impact on my credit report. Th r y are not mine and never authorizrd. Here is list of inquiries, thank you XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XX/XX/2025 Experian Dispute Department XXXX XXXX XXXX, TX XXXX XXXX : Dispute of Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally dispute an item on my credit report, as it appears to contain inaccurate information. Below are the details of the disputed item : Creditor Name : XXXX XXXX Account Number : XXXX Balance Reported : {$270.00} Upon reviewing my credit report, I noticed inaccuracies in how this account is being reported. Specifically : Inconsistent Reporting History : The account is listed as a collection account with a balance of {$270.00} past due as of XX/XX/2025. However, the payment history reflects a collection status for dates prior to the date the balance was updated. This inconsistency suggests potential errors in the reporting timeline. 

Joint Account Discrepancy : The account is reported as a joint responsibility with XXXX XXXX. I have no recollection or documentation of opening a joint account with this individual. This raises concerns about the accuracy of the reporting. 

Validation of Debt : I have not received proper validation or documentation from XXXX XXXX to substantiate this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), the creditor is required to validate the debt before reporting it to credit bureaus. 

I am requesting that you investigate this account and verify its accuracy with the creditor. If the creditor can not provide sufficient evidence to validate the debt and confirm the details reported, I request that this account be removed from my credit report immediately. 

I appreciate your prompt attention to this matter. Please complete the investigation and notify me of your findings within the 30-day timeframe as required by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Wells Fargo closed my business account wrongfully and they didnt provide a reason and after a month Wells Fargo just sent {$12.00} fees for excess withdrawals.When I called customer service they said there is nothing they can do.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and formally request the correction of inaccurate information on my credit report maintained by Equifax. This dispute concerns late payments reported on the following accounts listed below : XXXX XXXX XXXX | Account number : XXXX XXXX XXXX XXXX | Account number : XXXX XXXX XXXX | Account number : XXXX I contend that the reporting of these late payments not only misrepresents my credit history but also constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I refer to the following sections of the United States Code : 1. **15 USC 1681 section 602 : ** This section underscores my right to privacy, emphasizing the obligation of consumer reporting agencies to ensure the accuracy, fairness, and privacy of the information they collect and disseminate. 
2. **15 USC 1681 section 604a section 2 : ** This section outlines the procedures for providing consumers with their rights, emphasizing the right to dispute inaccurate information on their credit reports. 
3. **15 USCS 1666b : ** This section establishes additional protections for consumers, stating that a consumer reporting agency can not furnish an account without the consumer 's written instructions, and a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Equifax - My information was sold and brought illegally because I was a victim of the Equifax data breach. 
I want these items deleted from my credit reports effective immediately. I am attaching proof to Equifax that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX, XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX, XXXX XXXX, XXXX, AND XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

Closed on our new house in XXXX, NC XX/XX/2021. The mortgage company made many mistakes during the closing documents. After the close they send me a check for the insurance that was paid at the closing. I then had to set up a payment with my insurance company even though escrow included insurance. They then determined I didn't have coverage for one day. Which was clarified 3 times with their insurance department and included my agent from XXXX XXXX to validate the coverage. 

They still proceeded to provide their own insurance to cover that one day at great cost. They now have made another mistake in my mortgage escrow and are now charging me for additional insurance and increasing my monthly payment by XXXX. I have spent hours speaking to them and they will not move me to a supervisor. They failed to provide me the proper disclosures for the change, they failed to provide me disclosures of the cost and they have multiple letters sent to me that contradict each other. I feel they have been deceptive and unwilling to resolve the matter.