23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I currently have a credit card with XXXX, & was trying to get another one as every time I go to check my credit score itll say I only have 1 open account which is too low. So I decided to apply for another one & was denied a few months ago but I just thought I mightve typed in some wrong info or something or my credit score was too low but since then my score has increased tremendously so on XX/XX/2021 I tried again and this time is placed a hard inquiry on my credit file dropping my score a total of 14 points! According to Experian So I then decided to call XXXX to see why I wasnt getting approved as my credit score was Very Good '' just to get to the bottom of it. The representative then told me it was because the time of my open account isnt long enough which was not at all communicated to me! That little piece of info was not advertised on any of their websites or explained to me, The representative then proceeded to say a letter should have been sent out explaining why but I did not in fact receive any letter detailing any of my denials so the representative tried to get me in touch with another representative so they could send those letters out but I kindly decline as it would do me no good since the harm has already been done and her kindly already explaining to me my denial. I would have clearly stopped and waited the one year mark and not intentionally harm my credit file knowing I wouldnt get approved, If I had known of this info prior to my application for new credit I simply wouldnt of done it. I simply applied for a XXXX student cash back card as I am currently a student seeking to build my credit and the promotional offers says you dont need credit to be approved and that it doesnt harm your credit when in fact it did! Im really hoping to remove this hard inquiry from credit file and bring my score back up the 14 points that was deducted according to Experian which I can not get a hold of. Ive called Experian trying to get hold of a live representative to help dispute this lack of communication from XXXX but has had absolutely no luck. Ive reached out to Discover who then also told me I would have to dispute it with my Credit Reporting Bureau which is Experian for me and I simply can not get a hold of a real life person to help assist with my issue.
Product: Mortgage

My Loan was assumed but 21st Mortgage as of XXXX. I was contacted XXXX XXXX regarding the XXXX payment. At that time I advised that I hadnt been working my part time job and had just completed XXXX school. I expressed that I would be working a few days in XXXX and would try to make a payment on the XXXX. I was unable to due to the amount that I made wasnt significant to complete a full payment. I was advised to Pawn or sell personal items but that I needed to pay! I expressed that I will start working full time on XXXX XXXX as a XXXX XXXX and wouldnt be paid until XXXX XXXX. Although I had applied for partial unemployment I wasnt sure if Id receive it. I was told that I didnt care about making my payment, that I was being unreasonable and even lazy as is pertains to getting the money. I tried to speak with several managers in their collections department and was told that in their department customer service isnt offered and Ill receive customer service when I pay. Ive never been talked to in such a matter by a debt collector. I receive phone calls and emails from them daily regardless of me consistently explaining my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

THEY ARE TREATING MY XXXX LOANS AS FEDERAL LOANS WHEN THEY ARE PRIVATE LOANS ... NOT FOLLOWING FEDERAL REGULATIONS FOR 7 YEAR REMOVAL. XXXX IS UNDER LAWSUITS DUE TO COMPLAINTS SUCH AS THESE. THEY ARE FRAUDULENTLY STATING MY LAST PAYMENT INCORRECTLY. 

* Examples Attached * THE ACCOUNTS ' DATES CAN NOT BE REPORTING CORRECTLY. LOOK AT THE DATES OPENED AND THE DATES CLOSED. LOOK AT THE LAST PAYMENT MADE ( STILL INCORRECT ... NO PAYMENT EVER MADE ) AND HOW LONG UNTIL THE ACCOUNTS WERE CLOSED ... 

Remove all private student loans, especially XXXX and XXXX ( and previous owning companies ), from all credit reporting agencies. Correct the last date of delinquency, as well ... there was never a payment made, and they stated that a payment was made, when they were trying to collect on accounts, which were too old to collect on, at the time that they report receiving a payment, etc ... furthermore proving their illegal activity. The accounts should have been removed off of my reports, before they stated that they received the last date of delinquency payment. No more collections should have been made, at that point. 

Thank You for Your Time, XXXX XXXX Original Message : To Whom It May Concern : ALL XXXX AND XXXX Accounts are too old for reporting to the credit bureau 's, according to federal guidelines. The date of delinquency is incorrect ; no proof of payment made has ever been provided. The accounts were never paid on, before XXXX acquired them from XXXX, and before XXXX acquired them, when they were with previous owning companies. 

Please, remove these from my credit reports ; I have tried, and it's becoming a legal matter. 

Thank You for Your Time, XXXX XXXX XXXX-XXXX-XXXX  XXXX  XXXX-XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX
Product: Mortgage

On XX/XX/XXXX I paid {$8100.00} to my XXXX loan ending in 1982 instead of paying to my XXXX ending in XXXX. I called the loan department to transfer the payment to my visa ending in XXXX and they said it would be quicker to refund to my checking account. 7 days and 3 calls later, it hasn't been done. Keep getting put off. '' Wait a couple more days ''. I ended up paying my visa out of savings. I need to put those savings back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account.

If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation.

I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed.

In accordance with the Credit Reporting act Credit Collection Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft CHRYSLERCAP Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2020 This is not mine.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : Conns appliances XXXX XXXXXXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

ARS ACCOUNT RESOLUTION Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a copy of my most recent email to XXXX, after trying over a year to get my free credit report : " Would you please explain to me, why after all this time and full size documents I took my time to send ... REPEATEDLY send nonetheless, why I have yet to receive my credit report? 
My social security card and number, STATE issued photo ID, copy of my utility bills, etc have all been sent and there still send to be an issue when just sending MY OWN information. Why is that? 
Also, there IS no conflicting information nor fraudulent information sent on part, or else I would've never been ABLE TO GET a social security card, state ID, etc to " prove '' my own identity. 
This is ridiculous at this point, and I've elected to reach out to higher authorities on this matter, because there is no reasonable excuse that exist as to why I've been excluded from my own information I am entitled to, in accordance with state and federal Laws especially. 
And any person would be naturally justified to file complaint and seek higher authority.

There are FEDERAL LAWS against withholding a person 's Right to his/her own information. Yet, your site even states that any 3rd party can get my information, and I'm sure that they don't even have to go through all this. 
For example, I rightfully and naturally would have issue that anybody can walk into a bank and claim to work there or actually work there but easily access AND PRINT MY personal, federally protected information for even fraudulent means. Yet even WITH my having to KEEP sending all my proof and asked to do so repeatedly nonetheless, it has taken repeated effort and expense on my part to give you information to me that you already have and have access to that you have IMMEDIATELY AND READILY handed over to banks, and any other 3rd party institution at their leisure. '' I have spoken over the phone to several reps of XXXX, because free credit report.com keeps sending the same email " sorry for your inconvenience ... click on this link and go straight to XXXX to resolve ... '' nonsense.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax-ior failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation, This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation,.
Product: Credit reporting or other personal consumer reports

There is information that on my consumer report that is a result of identity thett I did no provide written permission or instructions for the identified transactions to be reported on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have asked that the following collections agencies stop reporting to my credit report on XXXX, XXXX and Transunion under derogatory marks on my credit. I have asked them to validate my debt and they have not been able to provide any information that I owe this debt to them. 

XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX  balance {$1300.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
balance {$1200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  balance {$1400.00} XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX balance {$1900.00} XXXX XXXX Original creditor : XXXX XXXX balance {$1400.00} XXXXXXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX  balance {$1000.00}
Product: Credit reporting or other personal consumer reports

For the past XXXX years I have disputed an account on my Credit Report, and every time I do, I get a message saying its been verified with the company. That's it. Nothing proving anything, or attaching me to the debt. I have no idea what this debt is, or who's it is. 
The debtor is XXXX XXXX XXXX and I want this removed from my credit report.
Product: Debt collection

In 2016 I applied for two credit cards from Bank of America because my family and I couldn't pay the rent and bills after my husband got fired from his job. Because he got fired he did not qualify to receive any benefits from the unemployment, so even we were struggling I was making the payments that the bank required. The next year around XXXX I got fired from my job and I couldn't make any payments from my credit cards. I contacted the company by phone, by chat in person to tried to get some help and cancel my cards but the bank said that the credit cards were canceled. But each month the bank adds fees and more fees to my debt. One month ago I start a new job, but still, I don't have enough money to make the payments. And the debt keeps growing every month. Can someone help me please.
Product: Mortgage

I refinanced my mortgage and the first payment was due on XX/XX/21. I set up a one time auto payment online with the servicer - TMS, The Money Source which was paid on XX/XX/21. I received a letter that my mortgage was being transferred to a new servicer XXXX XXXX effective XX/XX/21 and was not able to cancel the auto payment to the original servicer. The paperwork sent by TMS said the payment would be transferred by XX/XX/21 to XXXX XXXX. The payment has not been transferred as of XX/XX/21. Ive called TMS multiple times and was assured each time this would be taken care of. The last time I called they gave me a date of XX/XX/21. The payment has not be transferred
Product: Credit card or prepaid card

they reporig a a late payment pass 30 days not rite
Product: Credit reporting or other personal consumer reports

XX/XX/year>. XXXX XXXX Mortgage. XXXX XXXX with Guarantee Rate ( XXXX ) said that they will only do a soft pull on my credit report. On XX/XX/year> I got alert from several credit reporting agency, XXXX XXXX, My Banks that i had a Hard Pull and my excellent credit when Down. I did not authorize a hard pull. I confirm with XXXX XXXX and XXXX and he said only a soft pull. The hard pull must be removed from my credit reports ( XXXX, Equifax, XXXX ) Immediately. The company that Guarantee Rate Used to Pull my credit report was XXXX XXXX on XXXX XXXX. 

Guarantee Rate Rate.com XXXX XXXX # NMLS # XXXX Address : XXXX XXXX XXXX, XXXX, IL XXXX Phone XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone XXXX XXXX XXXX
Product: Debt collection

Amsher Collection is claiming that I owe {$620.00} to XXXX. I've NEVER had phone services with XXXX as I've had XXXX  for the past 11 years. This collection has been placed on my credit reports and is tarnishing my credit worthiness.
Product: Debt collection

I have an issue with the State of Ohio unemployment for overpayment of benefits back from 2008. I 'll requested proper paperwork to explain what I owe and why but have never received anything in mail verifying statement of what 's owed. I sent a letter to collection agency 30 days again and still did not receive anything stating what and why I owe. I followed the Federal Trade Commission guidelines and also sent a copy to FTC. I would like to know what my next step is from here? Because they put a levy on my bank account and I have not had access to bank account now for over a month or so. Looking for any soluiton to this problem to help me resolve my issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts, late closed and charge off account. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction or removal. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution for a correction or a deletion : Kindly correct or remove these accounts : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX : {$470.00} - Please checked the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my XXXX XXXX XXXX XXXX was totaled financed by XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX my insurance ( XXXX XXXX ) started trying to contact XXXX to get pay off information an title to close out the loan and send the vehicle to the salvage auction. XXXX XXXX contacted me on XX/XX/XXXX asking if I had spoking to westlake financial they had mailed and faxed documents for them to return back. Which XXXX XXXX was refusing to answering there calls or respond to any correspondence from XXXX XXXX. On XX/XX/XXXX I called XXXX with XXXX XXXX on a 3 way call forcing them to give XXXX XXXX what they needed. After the title was giving to XXXX XXXX an payments where sent to XXXX 3 weeks later I look at my credit I have a charge off on my credit. Showing as if XXXX financial repossessed the vehicle a sold it. When it was a total loss. I want them to remove the charge off from my credit.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Equifax having problem for them to take off incorrect information for my credit card I want sign up with them where I can login and dispute I have no problem all of a sudden they disqualified my account plus I tried I spoke to them several times and telling them I'm disputing situation that's on my father did not belong to me address credit card information that belong to somebody else I don't know who belong to and they refuse to move it other company remove it but they refuse they are so hard
Product: Credit card or prepaid card

On XX/XX/2022, I sent an electronic check payment from my bank to COMENITY - XXXX Rewards XXXX. The bank stated that the payment was sent on time. The payment is not due until XX/XX/2022. 

On the next bill, I received a late payment from XXXX. They did not process the payment until XX/XX/2022. I called XXXX and explained the situation. XXXX stated that they can not waive the fee since I closed the account. Since I paid the bill on time, I should not have to pay the late fee. XXXX stated that they can not do anything about it and if I don't pay the late fee, I will get another late fee on the next bill. 

The late fee is {$29.00}. It's a lot of work to try to clear this up. However, on principle, I hate paying it since they may do this to a lot of people.
Product: Debt collection

Company keeps contacting accusing me of owing money I take no ownership of said account and it does not belong to me