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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

First Of All, I want it known that I've Never been Late With Any Payments To Any Of My Credit Cards. On XXXX, I Purchased 3 Money Orders in the amounts of {$500.00} + {$500.00} + {$290.00}, which= {$1200.00} Altogether in order to Pay Barclays Credit Card Company in Full , which was my Balance Owed, & was Due XXXX. I submitted all 3 Money Orders in the Barclays Envelope provided with their Address Showing. Approximately10 days after I mailed my payment I began calling Barclays to Check on my payment. On XXXX They said The Pymt Still hadn't registered. After I Spoke to Money Order Provider, XXXX XXXX, I Realized Barclays was giving me the Runaround, As They instructed Me To Do Many Tasks in which I Followed Every Instruction Carefully. The Excruciating Painful Mental Anguish that Barclays caused me to suffer when my pymt was Submitted Very Early. To add Insult To Injury, After I made the {$1200.00} payment in full a 2nd time Barclays began to falsely & negatively report on my Credit. This Caused my Credit Score To Plummet more than XXXX Points. My XXXX Credit Score was lost due to LIES REPORTED BY Barclays, & I'm Still Working To Rebuild My Credit Score Unfairly. I have attached Proof Of Injuries, Tasks, All Money Orders from XXXX pymt. & XXXX set of Money Orders Sent. 
It took up to 4 months For Them to Finally Get the Situation Resolved. It was A Long Nightmare & Im Still Suffering every time I Think about all of That.

Im Still NEVER LATE PAYING MY CREDIT CARD BILLS!!! Im ALWAYS, ALWAYS EARLY PAYING EVERYTHING!

Check my Credit Records!!! The
Product: Credit reporting or other personal consumer reports

I received an alert from a credit monitoring company, stating that a new collection was added to my consumer credit report from Credit Collection Services in the amount {$78.00}. Credit Collection Services list the account as opened XX/XX/2023. I have never opened an account with Credit Collection Services, nor did I give Credit Collection Services permissible purpose to access my consumer credit report.
Product: Debt collection

A company called Kingston XXXX XXXX telephoned me and told me that I had entered in to an agreement with them and I owe them money for a payday loan. I never took a payday loan. I do n't owe money to anyone. They threatened to have me arrested and told me to call my lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

BP-VISA XXXX-I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.
Product: Mortgage

I have made a formal request for an escrow account removal in XX/XX/year>, so that I can manage my tax payments and insurance payments by my self every year. 

The company denied the request with incorrect information that my LTV loan to value is not 80 % or less. Please find attached response from the company. 

The company has always been sending incorrect information in XX/XX/year> I had a appraisal done and the with the help of CFPB the company removed the PMI as I now have a equity of 20 % which brings down the LTV loan to value falling less than 80 %. Please find the letter for the same in attachments. 

The company never considers correct information and provides the worst customer satisfaction. I would request to have the escrow account removed. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed disputed XXXX XXXX Accounts numbers ending in XXXX and XXXX with Experian and XXXX on XX/XX/XXXX and XX/XX/XXXX. With both attempts, both Experian and XXXX have refused to remove the XXXX XXXX Accounts ending in XXXX and XXXX that are in violation of the FCRA due to the accounts reporting misinformation. Also, the XXXX XXXX Accounts ending in XXXX and XXXX have yet to be updated on my credit report, as the date of last report shows XX/XX/XXXX for the XXXX XXXXXXXX Account XXXX and XX/XX/XXXX for the XXXX XXXX Account XXXX XXXX XXXX XXXX has also failed to provide a written response to my inquiries on XX/XX/XXXX and XX/XX/XXXX within the 45 day response window. If Experian and XXXX does not immediately delete the accounts that are in clear violation of the FCRA from my credit report, then I will be filing a civil suit for each violation in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting accounts that do not belong to me. I have explained that these are FRAUD accounts & should be removed from my credit report but I am bounced back & forth between the companies that are listed and Equifax. This information does not belong to me for the accounts XXXX XXXX XXXX {$400.00}, XXXX XXXX {$7300.00}, XXXX  XXXX {$190.00}, and XXXX XXXX XXXX {$200.00}. I have been a victim of identity theft and these accounts are ALL FRAUD!!!!!!!
Product: Credit reporting or other personal consumer reports

No knowledge of these accounts or inquiry. Submitted an identity theft report.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation 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 shalli ) 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian******* Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  inquired 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian has failed to fulfill its legal obligation under the fair Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. where Experian has neither corrected nor removed removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX have been reporting these fraudulent accounts under my name XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Product: Credit card

exxon mobil card through citi-bank is raising APR to 34.24 interest, they are also doing it on the Shell oil card. This is a rediculous amount of interest, They are adding to the inflation problem in this country.
Product: Bank account or service

Bank of America closed my accounts without reason or explanation I 've been a customer in good standing since 1990 and am willing to give any information that will help to get to the root of this unfortunate error. I treat my relationship with the bank with great respect and also am a XXXX for many branches in XXXX XXXX. This situation is very important for me to resolve.. Thank you, a XXXX XXXX
Product: Mortgage

I have auto pay set up then they claim I made a payment online on SatXX/XX/XXXX. I did NOT log in or make any payments. The extra payment was PULLED from TWO of my accounts by Mr Cooper. I read this you guys investigated the exact same thing back in XX/XX/XXXX affecting XXXX customers back then. I don't know how many others are affected, but I have two mortages with them and BOTH of my accounts were double withdrawn on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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
Product: Credit reporting or other personal consumer reports

I am writing to dispute an account reported by XXXX XXXX XXXX on my TransUnion credit report. As the Trustee of the trust associated with this account, I have no recollection of entering into any contract or agreement with this debt collector. 

I am demanding the immediate removal of this account from my credit report. XXXX XXXX XXXX has failed to provide essential documentation that would substantiate the validity of this debt. Specifically, they have not been able to provide any of the following : Copies of any contracts, agreements, or instruments related to the choice in action. 
Detailed records of any transactions, exchanges, or transfers involving the chosen action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the choice in activities, including court filings, judgments, and settlements. 
Correspondence and communications relating to the choice in action. 
Any other documents or records that would provide insights into the nature, ownership, or status of the action. 
Without proper documentation to substantiate this debt and prove the legitimacy of their claim, I am requesting that this account be removed from my credit report. The company 's failure to provide basic supporting documentation raises doubts about the validity of this debt and should lead to its removal. 

The account details are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Account Condition : Collection Date Opened : XX/XX/XXXX Account Balance : {$5700.00} Last Reported : XX/XX/XXXX Amount Past Due : {$0.00} Remarks : Dispute resolved; customer disagrees Responsibility : Individual Account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 


ACCT : XXXX DATE OPENED : XX/XX/XXXX I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX - The following inquiries were not authorized and should not be reporting.
Product: Money transfer, virtual currency, or money service

I fell for a sugar daddy scam and he stole my cash app account. I want the account shut down but I cant contact cash app at all Ive tried call and everything. They dont have a help line and you have to have access to the account for you to go to the support and get help.
Product: Checking or savings account

At XXXXXXXX XXXX on Saturday, XX/XX/22, someone hacked into an app on my phone for XXXX XXXX XXXX restaurant. They were able to make a purchase for {$96.00}. While two other cards were saved in my account and those institutions declined the transaction because it was for a location hundreds of miles away and delivered to a shopping center, Ally let the charge go through despite their being insufficient funds for the transaction. I immediately changed my password and called Ally. I was on hold for over an hour before being disconnected. I called back and sat on hold for extended periods of time, even at XXXX XXXX. I also attempted to chat with them, emailed, and contacted them on XXXX, XXXX, and XXXX. Its now XXXX XXXX. I received responses from them on XXXX and XXXX saying hold times were longer than normal. No resolution or care for obvious fraud. Im also now not able to even access my online account because the account has been locked by them with the only option to call. I tried doing that and sat on hold again. This appears to be a widespread issue as there are many complaints on XXXX. Its completely insane that I cant report fraud and secure my account or get any meaningful response from them.
Product: Credit reporting or other personal consumer reports

I was switched from XXXX XXXX XXXX XXXX loan servicer and I have been paying on time for more than three months now. I have even paid off one of the two loans already but my new servicer is not reporting anything to the credit bureaus. My credit report still has XXXX as my loan servicer and a the wrong balance on there. I've called the credit bureau and they stated that XXXX XXXX has not reported anything. So I called XXXXXXXX XXXX  services and they told me it would be 30 days, however it's been longer than that now and nothing still has changed. My balance reported say over {$15000.00} but I only owe a little over {$11000.00}. I'm trying to clean up my credit report and this is not helping.
Product: Checking or savings account

Chase Bank is once again reordering transactions in order to extract bank fees. I was never negative in my account however they somehow re ordered my transactions to make me over {$400.00} negative and issued a 21 day loan which they then took back 2 days early and refuse to fix.
Product: Mortgage

By submitting this complaint we are asking CFPBs assistance in removing unfair ( and possibly illegal ) late reportings from our credit history by Select Portfolio Services. 
Back in XX/XX/2020 our family was in a financial crisis due to COVID pandemic just like many other American families. We heard about the pandemic assistance banks provide by allowing to pause mortgage payments without getting foreclosed or being reported as late. Our mortgage is with Select Portfolio Servicing , inc. ( SPS ) and they provide the option to apply for assistance online. We submitted the request thinking that it will be such a relief, but instead our financial situation got even worse. They responded to our request asking for our financial documentation to be provided before they can make a decision. We uploaded the documents, but every time we send them requested documents, they would come up with additional requests after reviewing them for few weeks. It took the whole 3 months to finally get approved for the program that would only reduce our payments for 6 months, but the whole amount would come due at the end of the term. This is NOT a good plan to help people struggling in such a great financial need due to global pandemic. In XXXX, we got our tax return and were able to pay all the past due amounts. We were lucky that we had these money coming in. After rejecting their offer, we were shocked to find that SPS reported us late in XXXX, XXXX and XXXX which obviously ruined our credit history. According to the CARES Act the pause of payment is immediate, but for SPS it took 3 months to make a decision. We dont understand why SPS decided to take so long and after all report us late, and therefore we ask for your assistance since they refused to correct our credit history. To be more clear and specific, we ask for your assistance so SPS would remove late payments from our credit history. When we started the whole process, we were not aware of the timeframe it would take them to approve and that they are going to be reporting us late during the entire time we were in communication. They also reported us wrong because we were late in XXXX and XXXX, but we all caught up on XX/XX/XXXX, but we were still reported late in XXXX. They also refused to acknowledge that when we called them. I hope you will be able to restore justice. 
We are attaching our letters from SPS so you can see the process. 
Thank you XXXX XXXX
Product: Vehicle loan or lease

Mazda financial services opened an account for someone in my name, and I demand the repossession and account to be removed from my credit profile for incorrect information and reporting. I have been homeless, jobless, and alone since XXXX. Never owned a vehicle.
Product: Checking or savings account

Capital one bank keeps telling all customers its a third party issue why checks are missing. One charge of mine for my mortgage already declined because my funds from my direct deposit is missing. Capital one is not providing customers including me with full transparency. My account has been XXXX  up since XX/XX/year>. Where is my direct deposit!?!??????
Product: Credit card

I am writing to formally file a complaint regarding my Apple Card, issued by Goldman Sachs, and the frustrating experience I had with the app and customer service. 

1. Confusing Balance Information : The Apple Card app displayed contradictory information about my account balance. It showed a balance of + {$530.00}, which led me to believe I had overpaid, but simultaneously displayed Nothing to Pay. After making the payment to settle my balance, I was informed by customer service that my balance was {$0.00} with {$66.00} pending due to a dispute credit. 

This inconsistency in the apps interface made it very difficult to understand my actual financial obligations. Such unclear communication violates the principles of transparency expected from financial institutions. 

2. Poor Customer Service : When I reached out to customer service via the app, I received conflicting explanations about my balance. The conversation was abruptly ended by the representative without addressing my concerns or providing closure. This left me feeling disregarded and without clarity on the next steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed this with the credit bureaus 3 times i have contacted the bank ( m & t bank ) over 20 times over a 3 month period starting in XX/XX/2017 when i had the loan originated with XXXX XXXX XXXX who you bought it from there was supposed to be 4 months of reserves. 3 days before closing the terms were changed by the underwriter and i was not informed. 

after M & T Bank bought the loan i had assumed this went through. i did not receive in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX stating that my payment was due. in XX/XX/XXXX i received a tax bill from my town and a mortgage bill. i call m and t and asked why i received the bills and if there was money in escrow to pay it, I WAS TOLD YES THERE WAS. in XX/XX/XXXX i  received the 30-day late notice from my credit report and immediately call m and t to find out what happened. they explained that there was no money in escrow for mortgage and that when i was told there WAS they were only referring to the tax bill. I IMMEDIATELY PAID ALL 3 MONTH OF BACK MORTGAGE TO CLEAR UP THE MISUNDERSTANDING. 

The 30 days late was not my fault, it was not m and t fault but a tragic misunderstanding by both parties and i should not be penalized for this. I have provided documentation from both the originating bank ( XXXX XXXX XXXX ) and emails stating this. 

the only response i get from M & T Bank is " we looked into the matter and believe the reporting is correct ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX BANKRUPTCY REF XXXX XXXXXXXX, XXXX  XXXX BANKRUPTCY REF XXXX XXXXXXXX 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 an account without my written instructions.