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

I signed up for a secured card with XXXX XXXX  on XX/XX/XXXX for {$300.00} to help boost my credit profile. At the beginning every was going well until I ran into some hard times. With the balance, the account was paid off with my {$300.00} deposit which left a balance of {$79.00}. On my credit report, it is listed as an adverse item of information, 15 USC 1681c states that requirements relating to information contained in consumer reports ; Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. No adverse item besides the conviction of crimes should be on my report ; any item that is a derogatory mark is not allowed into consumer reports. On the report this item is labeled as a charge-off. According to IRS Laws, charge-offs are considered certificate of indebtedness which is income. That item MUST BE REMOVED IMMEDIALTLY from the credit report. They also violated 15 U.S. Code 1666b - Timing of 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. XXXX XXXX reported to Experian, XXXX, XXXX, and XXXX, which violates that directly towards me. All actions are subject to 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general - Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of {$1000.00} per violation plus emotional damage. One of the biggest violations that was bestowed onto me was 15 USC 1681a ( 2 ) Exclusions ( A ) ( i ) - report containing information solely as to transactions. That means reporting transaction history is illegal. 

In your response back, you need to provide me with the address or email of the destination of my invoice for your willful violation. 

EXCLUSIVELY for Experian, XXXX, XXXX, and XXXX, your role as a consumer reporting agency is to follow the guidelines of the FCRA, USC, CFR, The Privacy Act of 1974, and IRS Laws. 

XXXX XXXX XXXXXXXX, you as well need to follow the guidelines of the FCRA, USC, CFR, The Privacy Act of 1974, and in addition the IRS Laws as it is for helping with income regardless on how you got it. REMOVE that item immediately off my report. I DO NOT WANT PAID AS AGREED, remove it due to your actions.

Other violations against me : 15 USC 1681b 15 USC 1681c 15 USC 6802 12 CFR 1016.1 ( a ) ( 1 ) ( 3 ) and the list goes on but it will be listed on the invoice.
Product: Mortgage

On XX/XX/XXXX I was notified by Nationstar Mortgage via first class mail my XX/XX/XXXX payment was past due and they were requesting payment. My monthly payment is auto debited and was reflected as paid on XX/XX/XXXX on my XX/XX/XXXXmortgage statement. This is the second time I 've been notified my mortgage payment is past due in the last 4 months, the first past due notification came from XXXX the previous lienholder. XXXX notified me in mid-XX/XX/XXXX their monthly Mortgage Account Statement reflected an incorrect total amount due and assured me via that letter no missed payment history or negative credit reporting was done. I 'm concerned as Nationstar has reflected non-payment, indicated there may be late fees assessed and possibly reported this loan as past due to credit agencies. To date I 've not received any communication from Nationstar regarding this obvious error and what steps are being taken to ensure customers are not negatively impacted. Thank you.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : TransUnion XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$15000.00} - Late/closed
Product: Checking or savings account

I received phone call from XXXX XXXX, phone XXXX instructing me to remove {$35000.00} from checking and savings account to avoid being prosecuted for drug charges. I was then instructed to go to a XXXX machine and deposit the money, which I did. Next I am to go to social security office on Monday, XX/XX/year>XXXX  to get a new social security card and get my money back, which I doubt will happen,
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, and I dont know where they came from. I always check my credit report, but this time, something was seriously wrong. Even after refreshing the browser, hoping it was a glitch, the problem persisted. I need you to carefully check the documents Ive sent so that I can stop stressing about this situation.
Product: Credit card

Citi cards refused to give my reward money even though had already earned it when accouterments was closed due to poor customer service.
Product: Debt collection

Williams rush and associate contacts me daily XXXX times a day, while Im working I asked not to be contacted before XXXX, they said if I dont pay the debt it will be on my credit I stated that it already is! After that call they turned and reported negative on my credit that day as if I just opened the account, when the debt has been charged off so I asked for the original agreement, I was told that they dont have to provide that, because they bought the debt
Product: Credit reporting or other personal consumer reports

XXXX XXXX was added to my report and I do not know who or what this is. Can you please remove this from my report.
Product: Credit reporting or other personal consumer reports

I have requested that my old phone number be removed from my personal statement/identity theft alert and credit report over a dozen times the past several years. Experian/Equifax/TransUnion have ignored this request over and over and over again. 
I DEMAND THAT XXXX XXXX TRANSUNION REMOVE THE PHONE NUMBER XXXX FROM MY CREDIT REPORT, INCLUDING MY PERSONAL STATEMENT AND IDENTITY THEFT ALERT. 
I DEMAND THAT XXXX XXXX TRANSUNION REPLACE THE NUMBER ABOVE WITH XXXX IMMEDIATELY FROM ALL PARTS OF MY CREDIT REPORT, INCLUDING PERSONAL STATEMENT AND IDENTITY THEFT ALERT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with BANK OF AMERICA, N.A and 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. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX, BANK OF AMERICA, N.A and XXXX XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Checking or savings account

Description - I initiated the XXXX $ withdrawal from the XXXX account to the XXXX XXXX Key Bank Savings account on XXXX XXXX. 
XXXX $ was deposited into XXXX XXXX Key Bank Savings account on XXXX XXXX. 
But It shows in a statement that XXXX did a transaction reversal of XXXX $ on XXXX XXXX from XXXX XXXX Key Bank XXXX Account. 
XXXX accounts don't have XXXX XXXX 
Please follow the sequence of events below. 
XXXX. XXXX XXXX - XXXX - XXXX - XXXX XXXX 
XXXX. XXXX XXXX - XXXX - XXXX XXXX - XXXX XXXX 
XXXX. XXXX XXXX - XXXX Deduct - Reversal from XXXX XXXX by XXXX - XXXX XXXX 
XXXX. XXXX XXXX provided ACH reversal transaction details. 
XXXX. Provided information to XXXX over support. 
XXXX. No XXXX $ in XXXX as of XX/XX/XXXX XXXX 's response - " As per the initial investigation of our finance team, you would need to speak to your bank because instead of sending the funds, the bank just sent us the " insufficient funds '' message. So we would not have given the funds at any point. XXXX does not have your money. ''
Product: Credit reporting or other personal consumer reports

I am disputing a late payment from XXXX XXXX XXXX Bank. This late payment is not accurate at all. I have maintained my payments up to date. XXXX payment included XXXX payment and XXXX payment isn't past due where it is XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 4 letters to Wellfargo Credit Card services since XXXX to request a full validated of information being reported to the 3 Credit Bureaus ( XXXX, XXXX, and XXXX ) The most recent letter was was sent via certified mail on XX/XX/XXXX. However, wellsfargo has yet to directly respond to any letters within the last year despite sending the mail receipt back in 2 instances. In the letters I have requested validation of information being reported on my credit report, what entity furnished the information, and an accurate 1099C that reflects the full reported amount owed to properly amend my tax returns.
Product: Credit reporting or other personal consumer reports

I do not recognize these inquiries on my report. I called in to the bureau asking them to remove them and they informed me that they needed me to complete an FTC report in order for them to do so. I have went ahead and did that. Please remove these Inquiries from my report as they are not mine. The Inquiries that need to be removed include EQU : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX activated two lines on a device that I had ported to another cellular service without my consent, then proceeded to charge me for both device and cellular lines even though I was no longer with the, and was with XXXX, they admitted it was entirely their mistake and that they had reported it to collections and therefore could do nothing about it The account number is XXXX and the XXXX account is XXXX Total {$270.00} for a disconnected XXXX  mobile plan ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters several months ago to Equifax, XXXX and XXXX   about inquiries I never ever sign for that's on my credit report. There has not been no response. I was told by an attorney the credit bureaus is not out to help you they are there to make money and make sure your score stays low. I am not sure how true that statement is but I have not received a response and the inquiries are still on my report. 

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX, XXXX 3. XXXX XXXX XXXX, XXXX 4. XXXX XXXX XXXX XXXX, XXXX 5. XXXX XXXX XXXX XXXX, XXXX 6. XXXX XXXX XXXX XXXX, XXXX 7. XXXX  XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX 8. XXXXXXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XXXX, XXXX 10. XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, A text message was sent to me from XXXX stating, " Wells Fargo Fraud Alert- Did you attempt a XXXX XXXX for the amount of XXXX. Reply yes or no. '' I replied no and then a woman called me from XXXX. My caller ID listed the number as Wells Fargo. She identified herself as a Wells Fargo member and said my account was attempting to be hacked. She got me to give her my account information and transfer XXXX to " myself '' using XXXX thru my banking up. I have never used the XXXX app but she talked me thru how to use it thru my Wells Fargo app. I was hesitant at first but she convinced me it was completely safe and necessary in order to not have my account hacked. She then hung up and I called the number back. It went straight to Wells Fargo and I talked to someone and they informed me that I was scammed out of XXXX. I filed a fraud report with Wells Fargo within XXXX minutes of the transfer but they have since denied my claim. The same women called me the next day to try and get more money out of my account. I hung up on her the 2nd time.
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 action 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. These are the accounts I have marked inaccurate XXXX XXXXXXXX XXXX and XXXX. XXXX XXXX.
Product: Mortgage

I applied a mortgage loan from Bank of America for a town house purchase with 20 % down payment for a XXXX fixed rate mortgage loan. After reviewing my loan application, Bank of America loan officer provided me a loan approval letter by assuring me there is no issue and my income level is more than enough to get this loan. I signed the sale contract with the seller by trusting the loan officer`s assurance. Also, loan officer asked me to transfer my money from my XXXX account to Bank of America. I transferred my money from my XXXX account to Bank of America account which I had to incur approximately {$2000.00} cost because of XXXX losses due to converting from XXXX and transaction costs. In addition to this, they asked my credit card information and they said they need to charge for appraisal in advance by assuring me that there will not be any issue. Again, they reiterated several times that I am very well qualified for this loan. They processed appraisal and charged me {$450.00} for this. 
At the end, Bank of America declined my loan application by saying there is insufficient credit lines. This was totally unexpected big shock and surprise to me. Because, I trusted the loan officer assurance and all of my financial information was available in my application form and this supposed to be identified before proceeding with appraisal and instructing me to transfer my money from XXXX account. 
In summary, Bank of America misconducted my mortgage application process misled me and charged me appraisal fees unfairly without completing their loan underwriting process.
Product: Credit card or prepaid card

I over paid my Citi XXXX XXXX my regular payment was XXXX I sent XXXX by mistake. I discovered my mistake before my payment was due for XX/XX/XXXX therefore I went to CITI Card requested a Refund of this amount pay regular payment of XXXX my account. Several days later I received a letter from Citi Bank informing me if I take the Refund of my payment made with MY Money I would be over the limit. Several years before doing the Pandemic my credit limit was reduced and cash withdrawal were cancelled. My card was increase by the amount of the Refund XXXX. I filed a complaint while discussing this issue with a Executive that call me about my complaint he ask didn't I ask for a loan I informed him I DID NOT ASK FOR A LOAN AFTER ALL CITI CARD TOOK THOSE RIGHTS AWAY THE YEAR BEFORE. I have never missed a payment or been late on this card. Citi Card sent misinformation to the Credit Agencies. Presently that information is still on my file reduced by Credit Score by XXXX points. How is it possible you can return a refund to me later add to my account as a loan.
Product: Debt collection

Company is calling repeatedly during appropriate hours after notification that arrangements had been made with the creditor long before they got involved. The account is paid regularly and while not necessarily on the date due but not far from it.he account began with a debt over XXXX and is not nearing XXXX. Its not a problem and is always paid. 

We wrote letters to the company demanding the calls cease. Offering multiple other ways to contact. Letters were sent on XXXX and XXXX. Calls continue. Most recent calls are twice to 2 differing phone numbers today XXXX at XXXX XXXX Also, calls were made on XX/XX/2021 at XXXX XXXX XX/XX/2021 XXXX and XX/XX/2021 XXXX XXXX Otheer times as well but apparently they were not logged. We will continue to do so, but still the company had been advised to cease and desist and have failed to do so. We have the right to stop them from calling and have not done so. Please do what you can. Thank you. XXXX XXXX
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, 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
Product: Debt collection

The attorney Hiday and Rickey out of XXXX Florida keep writing me via mail after I asked them not to call or write me. They are asking for financial information, private information to garnish my wages and that is harassment. We have already went to court about this debt and they are still harassing me. They sent me a letter last week Thursday XXXX XXXX2023 with a letter to garnish my wages. I feel very bothered, that they keep finding my address and wrong me letters.
Product: Mortgage

My mortgage complaint is with Nationstar Mortgage. In XXXX of 2010 I filed bankruptcy but filed an affirmation signed to avoid bankruptcy on the property. During this time I was able to get a Modification Loan with Nationstar. Bankruptcy has been discharged, but every time I call for assistance I am directed to the Bankruptcy dept. before I can speak to anyone. 
As I was trying to refinance to the Harp Program, I am told that Nationstar has not reported me in 5 years as making any mortgage payments I in turn stated how is that. I have contacted XXXX, XXXX, XXXX XXXX in regards to this matter. I received a reply from the credit report to contact the Mortgage Co. I did and they told me because I did not file an affirmation and I did, therefore I sent a copy of the affirmation report. My next reply was that Nationstar Mortgage sent me a letter stated they will forward a letter to all XXXX Credit Bureaus to show that I have made payments have not missed a payment in the 5 years and this should bring my Credit Score up. Unfortunately, my Credit Scores have not gone up they are in a Poor Status and I have tried to do my part in this matter and nothing has changed and I need assistance. I know I had some hard times, but I am doing better and fair is fair. I would like for my payments made to be reported to the Credit Bureau. I am tired of being in the poor statues on my Credit Scores. I* would like for the Mortgage Company to please correct the reports that I have made payments and I have not missed on my mortgage.I am not sure now who is at fault the Mortgage Co. or the Credit Bureaus. I am XXXX years old and I do not want to leave this world knowing that my word of truth did n't matter. I want to see XXXX on my scores!!! Thank You for reading my Complaint.
Product: Credit reporting or other personal consumer reports

one main financial is reporting things on my credit report without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights 1. XXXX XXXX XXXX - Account # XXXX, 2. US Department of EDU - Account # XXXX, {$1800.00} 3. US Department of EDU - Account # XXXX, {$7500.00} 4. US Department of EDU - Account # XXXX, {$2400.00} 5. US Department of EDU - Account # XXXX, {$4200.00} 6. DPT ED / XXXX - Account # XXXX 7. DPT ED / XXXX - Account # XXXX, {$9000.00} 6. DPT ED / XXXX - Account # XXXX, {$16000.00} 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 reporting, credit repair services, or other personal consumer reports

On XXXX  my mortgage company reported false derogatory information to all 3 credit bureaus. Within minutes, I filed disputes with the 3 credit agencies and filed a CFPB claim as well. Within 2 days of the false information hitting my credit report, XXXX XXXX XXXX has lowered my total credit limits from $ XXXX to $ XXXX. 

After reaching out to XXXX with no help from anyone, I came here to request assistance. I have worked my entire life ensuring that I need to keep my credit file clean and in good standing. 

XXXX  XXXX XXXX has chosen to use this false report ( It has already been corrected on all 3 reports and I have a letter from XXXX with an official apology for the mistake ) I have no remedy or recourse in order to be made whole again. I worked years to establish and build my credit lines, banks should at least ensure the information they are acting on is valid! 

I am a consumer who has been taken advantage of, through out a system of inequality. This is gross negligence and is cause for me to reconsider who I bank with. 

Again, XXXX  XXXX XXXX does not care that the error was a mistake and has stated they do not care to see the document received on company letter head from XXXX issuing an apology for the incorrect reporting to my credit reports.
Product: Checking or savings account

On XX/XX/2023 Someone logged into my account and disputed 3 charges XXXX {$1000.00} XXXX XXXX XXXX {$900.00} XXXXXXXX XXXX {$300.00} A member was added to my account to do a member to member transfer and I am not aware of who the person is. 
There was also a XXXX XXXX payment of {$920.00} to someone I don't know. 
I called the bank and notified them I didn't do that and noticed my account had been logged into by devices I don't own. 
However Navy Federal is making me pay those fees back which isn't right.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for me filing this complaint is due to Credit Acceptance failing to provide proper notice within the required timeframe, and I have evidence of such, via certified mail receipts to substantiate my claim, you must now delete the item from my credit report. The law states failing to post a Notice of Dispute on credit reporting agency accounts is a violation of FCRA