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

I called XXXX today and after waiting on hold for an hour and thirty minutes I was connected with a representative by the name of XXXX. I stated the nature of my call was to inquire about the follow up info on my credit file that did not change after a re-investigation of inaccuracies that I disputed. XXXX 's representative XXXX was rude, refused to confirm my any information with me and would not validate my tracking number on the certified documents I mailed to the bureau and the companies reporting the inaccurate information, nor would she transfer me to a supervisor. I asked was my dispute fully investigated with strict validation as I requested in accordance with FDCPA law and XXXX became irrational and disconnected the call. 
XXXX is repeatedly reporting inaccuracies, charge-offs and collections from the Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and Department of Education on my report. This is illegal and and unlawful according to The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611. Re-aging the account and changing the open and closed dates and including active payment history on old closed accounts. XXXX is failing to investigate properly and when I inquired with the
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I found several accounts with inaccurate information. Some show incorrect balances, late payments I never made, or statuses that do not reflect my actual financial history. These errors are misleading and unfairly damaging my credit profile.
Product: Credit card

I've always ensured payments on this account are made on time, avoiding any overdue situations. I'm unsure about the reasons behind reports of late payment remarks on my accounts. Based on 15 USC 1666b, billing errors should be corrected.
Product: Credit card

I processed two separate payments on the same day from two different checking accounts but only one payment is being processed and its causing fees to be charged. 

Ive been having the same issue since 2022 and they say its a glitch or an issue with making back to back payments. 

Now i have XXXX fees since XXXX because again the issue has arisen. And they are unwilling to provide me a callback with the login and navigation logs to show 1- that the payments were scheduled and 2- why they are being rejected/ falling off. 

In addition that, they are unwilling to waive any of the fees, even though they can clearly see that I pay off my balance monthly to avoid any fees. 

This is predatory and negligent on their end as this has been an issue theyve been unwilling to look into ; Im sure Im not the only one having this issue.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX, and I am a law abiding citizen. I am a XXXX of XXXX beautiful XXXX, and I have been married to my wife XXXX XXXX for XXXX years. We both work full time. 

I leased my dream vehicle which was a XXXX XXXX XXXX back in XXXX XXXX which I was supposed to purchase after the lease ended which was going to be around XXXX. 

I had problems with the vehicle immediately. I even got stuck on XXXX XXXX nearly 3 times. XXXX time a XXXX XXXX XXXX had to get me off XXXX XXXX because I nearly got struck by a bus. 

They had to replace the engine, I dealt with numerous service issues and phone calls to XXXX to come to an agreement to finally get out of this lease because the vehicle was shot. I spent hours and hours working on getting out of this vehicle because it is not operable and not safe for my family. 

XXXX decided to send me {$3000.00} and offer me a XXXX discount on my next vehicle to help offset all these issues. A XXXX discount is pretty much an employee discount. So I stayed loyal to the brand, I leased another vehicle, I had to roll in {$6000.00} into my new lease to pay off the full lease payments for the XXXX XXXX that was a lemon, and a defective vehicle. I didn't have time to go through lemon law process, my wife and I both work full time. We already spent hours and hours and days dealing with this vehicle that was not safe. 

After I returned the vehicle .... XXXX  decided to charge me {$740.00} dollars for wear and tear issues including tire replacements. I immediately called XXXX, which is nearly impossible to get a hold of. They told me numerous times that I had until XXXX to pay this balance because I paid {$6000.00} in advance, and they would not report anything on my credit. 

I couldn't even believe I had to end up paying {$740.00} for this vehicle. I kept trying to fight it, no one would help. 

Last month XXXX sent me to collections to a non reporting agency, I paid it immediately because I was so fed up. 

The agency told me nothing will be reported on your credit report because they are a non reporting credit agency. 

XXXX weeks ago XXXX took my score down nearly XXXX points and marked this as a charge off, and a non payment. I can not believe this. 

Please have someone call me XXXX. I have contacted the FBI, and they instructed me to go to the local authorities. 


I have attached all documents to this email chain. 

XXXX. XXXX  contract. 
XXXX. Payments showing on time. 
XXXX. Documents showing lease paid in full. 
XXXX. Documents showing all the service records which show everything. 
XXXX. Documents showing XXXX ruined my credit. 
XXXX. Document showing I had to sign an agreement not to go after XXXX but I was forced to sign this, I had no choice.
Product: Credit reporting or other personal consumer reports

I was a XXXX trafficking victim and a victim of identity theft. I sent information, FTC Identity theft report, police report, affidavit, to TransUnion about fraudulent inquiries resulting from XXXX trafficking and ID theft i.e. XXXX. XXXX  XXXX XXXX XX/XX/year>2024 XXXX. XXXX XXXX XXXX. XX/XX/year>2024 This information was not blocked in four days per 605c of Fair credit reporting act. TransUnion has failed, refused, to block this information and is in violation of fair credit report act
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureau on XX/XX/2021 regarding wrong accounts on my report. It is now 60 days and I have not received anything from them pertaining to my disputes. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation.
Product: Credit reporting or other personal consumer reports

This is one of several attempts to inform credit bureaus that I am a victim of identity theft and that I wish to query certain entries in my documents that have arisen as a result of the crime. The records I'm questioning are related to no transactions involving the acquisition of products, services, or money that I initiated or authorized. Assuming no one cares, erase any information in my credit report that is the result of alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX A XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX 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 NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$270.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$240.00}
Product: Credit card or prepaid card

Hello, Please note that the complaint that I am about to enter was due to an alert of fraud suspicion that started with the lender... In the end, the lender declined the fraudulent activity which it made me aware of... I have a Home Depot credit card that is managed by Citibank. I received a text alert on XX/XX/2021, at XXXX EST to advise of a {$400.00} purchase attempt. I returned a call to the credit card company to confirm that I did not make the charge. In the beginning, it seemed like this matter would be open and shut seeing that I had a {$0.00} balance and the purchase did not align with my spending habits or merchandise purchases. After there was no response I followed up and ultimately received notification that the company would be charging the purchase to me. They claim my credit card was used but that is not possible since the card remains in my possession. I filed a police report with the XXXX NJ Police Dept. Detective XXXX XXXX pulled the surveillance videos and was able to confirm the likeness of the person ( s ) and the vehicle that was driven. I was able to confirm that the vehicle was not mine and the likeness was not me. Citibank has held its ground and will not reverse the charges. I vehemently disagree with this decision as my spending habits, the police report, and the video surveillance supports the fact that the purchase was not made by me or anyone in my household. Further the lender should own the responsibility of not having measures in place to prevent fraudulent charges like this or card duplication if that is the case. I am writing to you to appeal to Citibank in hopes of receiving full restitution. Thank you. 

see OCC Case # XXXX that was forwarded to your office
Product: Credit card

THIS COMPLAINT IS FOR CARD ENDING IN XXXX AND IS DIFFERENT THAN OTHER COMPLAINTS FILED WITH THE CFPB AGAINST BANK OF AMERICA I am writing to lodge a formal complaint regarding my recent experiences with Bank of America. I have been a Bank of America credit card holder for several years, and I have always strived to keep my account in good standing. Unfortunately, my financial situation has been deteriorating quickly, and all my hopes and attempts at holding my finances together are exhausted. A combination of a rapidly increasing cost of living, an increase in card interest rates, and a significant reduction in my income has caused me to be on the brink of a financial collapse and default on all my credit obligations. This is the last thing I want to do, but I have nearly {$100000.00} in unsecured credit debts and my resources have dwindled. 

In an effort to manage my debt responsibly, I contacted all of my credit card providers to explain my situation. All these institutions have offered me a workable solution : the option to close my accounts and repay the existing balances over 60 months at a 0 % APR with no additional fees. This arrangement has provided much-needed relief and a long term sustainable way to resolve my debts in a manageable way, without defaulting or falling delinquent, or bankruptcy. 

However, when I reached out to Bank of America with the same request, ( three times now ) I was informed that I should work instead with debt consolidator credit company. I reached out to several of those companies but there plan seemed like a financial catastrophe waiting to happen. While I appreciate any assistance available during this difficult time, it seems unfair and inconsistent that Bank of America is not extending a similar in-house hardship arrangementone that other financial institutions have readily offered me. 

I am simply seeking an arrangement that allows me to offer the same or similar solution, which is a long term re-organization of my debt that allows for a sustainable way out of this enourmous debt burden I am in.
Product: Credit reporting or other personal consumer reports

CFPBXXXX XXXX XXXX XXXX  ACCOUNT IS INACCURATE, CLEARLY STATES ON THE IRS . GOV. WEBSITE ABOUT CHARGE OFF ACCOUNTS. now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate!
Product: Credit card

I LIVE IN XXXX AND FILED BANKCARUPSY ON XX/XX/1998, ONE OF THE CREDIT CARDS INCLUDED IN THE BANKRUPSY WAS WITH BANCO POPULAR OF PUERTO RICO. THE BANK WILL NOT EXTEND ME ANY TYPE OF CREDIT BECAUSE INTERNALLY THEY STILL HAVE THAT CREDIT CARD AS BAD DEBT EVEN IT WAS INCLUDED IN THE FILING. BANCO POPULAR PENALIZES YOU PERMANENTLY EVEN WHEN MY CREDIT RIGHT NOW IS COMPLETELY REHABILITATED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been challenging a few accounts listed on my credit report with Experian, XXXX, and XXXX  for the past few months with no avail. 

The first letter from early XX/XX/2020 was sent to all three boroughs asking that they verify the accounts that were listed by providing the legal documents associated with them. They did not provide any documentation verifying the information within the 30-day timeframe, and also marked the investigation as complete. I was advised by Experian and XXXX  that the accounts will remain on the credit report because they had been verified. I sent a follow up letter requesting they explain how they conducted their investigation and it was not responded to. I did not hear back form XXXX  at all. 

In addition to that, Experian refuses to update my account to reflect my correct name, current address, employer, & phone number. I sent a letter early XX/XX/2020 and have also made a follow up call. The representative refused to advise how many addresses they have or where they obtained the information from. When advised that I had no issue with the other boroughs updating that information, the representative stated that it was because Experian " is the best at what they do '' and " have the most accurate reporting ''. That call ended without my demands being met.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these items with the credit bureaus but they did not remove them, nor prove validation.

Under Sec. 602 FCRA " I have a right to privacy '' XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX Unspecifies Account Name Account # XXXX Unspecifies Account Name Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this my third request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous complaints & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Under the FCRA section 605b I need the following items deleted from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} DP OF EDUC XXXX Balance Owed : {$4900.00} DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$3700.00} DP OF EDUC XXXX Balance Owed : {$7400.00} DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This complaint is to notify the Credit Bureaus if they do not REMOVE the listed accounts and information on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit Bureaus accountable for their willful noncompliance.
Product: Debt collection

I used to rent office space to XXXX XXXX at my office at XXXX. I keep getting calls for him XXXX from a company called Fortiva. When I tell them XXXX hasn't worked here in over XXXXXXXX XXXX they hang up on me. Their number is XXXX. I have spoken to them and asked them to remove me and explained the situation. It doesn't matter I continue to get calls from them. I do not want to receive calls from Fortiva as they tie up my phone line with nothing relative to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the below accounts have violated my rights. 
XXXX  XXXX bankruptcy dismissed Reference number - XXXX XXXX XXXX XXXX - account number XXXX XXXX XXXX XXXX XXXX account number - XXXX XXXX  XXXX - account number - XXXX XXXX  XXXX account number - XXXX DEPT OF EDUCATIONXXXX account number - XXXX XXXX XXXX  XXXX account number - XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX  account number - XXXX XXXX account number - XXXX XXXX account number - XXXX XXXX XXXX account number - XXXX XXXX XXXX XXXX account number - XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card

On XX/XX/year> I called First Progress to close my account. I was informed verbally that when a consumer closed an account it take XXXX weeks to receive any money owed. I have not received any paperwork supporting this disclaimer. I am owed {$150.00} and would like my refund within a timely matter of 30 days.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

I agreed to a stipulation to pay the balance of the loan to Midland Credit XXXX and have done so since XX/XX/2016. I get a letter from MCM that i have not made a payment since XX/XX/XXXX/2016. Attached you will see the stipulation. Also you will see that I have been in touch with XXXX paralegal for MCM. He can tell you that I have kept up the payments at leaf till XXXX/2016. This company can not prove that the money owed is from me as far as receipts and now are trying to prove that I am not making payments. This is harassment.
Product: Debt collection

I notified all of the credit companies and theyre still just trying to collect trying to collect destroyed my credit. My credit went from a XXXX to XXXX something to get a loan for my business XXXX cant even get a loan for my business. XXXX like XXXX steps from the streets you know Ive already been victim enough and I dont understand why everybodys gon na say well dont loan to this guy because I had 100 % payments on time until all this identity theft stuff Happened and then theres no help for me in the state of Washington I XXXX need help and I need them to stop destroying my credit and then even XXXX like XXXX easiest place to get a business loan or telling me that every time my account gets frozen due to a more identity left I have to start all over to give them XXXX months of business revenue. I mean what the XXXX its not very fair even though I told him I was a victim of identity theft they didnt care they should start over every place Ive gone to
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a charge off with a balance that should not be on there. I have settled this account and it should not be reporting a balance to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2020 due to the pandemic/covid my account was in deferred payments. As you can see in the attached picture. In XXXX and XXXX my account was marked as " No data '' because is was in deferred. However, due to a bank error. My payment history is showing late payments for XXXX and XXXX. 

WELLSFARGODEALERSVCS Late Payments : XXXX 2020, XX/XX/ 2020 2020
Product: Mortgage

Loan care keeps calculating my property tax in an incorrect way, resulting huge increase in my escrow payment. According to the escrow analysis statement they sent in XXXX, they calculated the school tax twice when they anticipate the property tax payment in XX/XX/.
Product: Credit reporting

In 2012, I disputed incorrect information that appeared on all three of my credit reports. Equifax conducted an investigation and removed the record from my report. The FCRA requires that Equifax , in this situation, contact the other bureaus and tell them to delete the information from my record. This was never done. About three years later, the deleted information was reinserted into my credit report.