23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We had an approval letter for this file but the buyer walked away. I sent a new contract on XX/XX/XXXX but I am getting no response. We would like to transfer this so we can get this closed asap.
Product: Credit card

On XX/XX/XXXXXXXX  and XX/XX/XXXX returns were accepted at the XXXX return warehouse for 2 items totaling XXXX. Both of these returns were never credited back to my amex gold card per XXXX policy and reaching out to XXXX did not resolve the issue so I filed 2 separate disputes with Amex. When I created the disputes with Amex furnished screenshots of the XXXX app confirming the receipt of the returns, XXXX tracking data showing XXXX confirmation of return ( including item weights that match the delivery info ) the as well as XXXX proof of delivery. The first dispute projected resolution has been pushed XXXX now since it was filed on XX/XX/XXXX stating that Amex was waiting for more info from XXXX. None of the XXXX has been credited to my account to date. 

on XX/XX/XXXX I get a notice via chat app that Amex needs to speak to me about an issue with my gold card account. So I contact then rep and he states that due to the high balance on my card Amex was taking negatives action and rendering the card non functional until a time where i pay down the balance. 

I explained to the rep that I only have a " high '' balance due to the pending disputes that Amex has not resolved or credited me he proceeded to send me into a infinite loop of transfers and reps who kept telling me I need to " paydown '' my balance or my card would not become active again. Finally I was simply hung up on. ( I have included the whole chat thread in the notes ) My current balance on this card is XXXX of that XXXX is in what should be a very clear cut dispute leaving my actual balance at XXXXXXXX Historically that is not an uncommon amount to carry on this card as I use it very frequently. I have in XXXX alone made XXXX total payments totaling XXXX making the assertion that a balance of XXXX ( the real balance after the disputes are properly removed ) nonsensical at best. 

Amex has violated my disputing rights under the FCRA by XXXX ) refusing to process these clear cut disputes in a timely manor XXXX ) refused to service the disputes in general based on the communication on XXXX XXXX ) Taken negitive action against my account due to properly submitted and documented disputes 4 ) Held me responsible for disputed amounts on my account and then doubled down telling me to " pay down '' my account to make it active again based on the communication on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received ( see attached ) confirmation that 3 accounts would be removed from my credit report. As of XX/XX/2021 XXXXEquifax have failed to remove the items as they remain. One account in particular is being reported in error as shown in the attached document. I contacted XXXX XXXX XXXX XXXX who informed me that they sent XXXXEquifax the request for removal and that they have failed to act. This item is still being reported.
Product: Credit reporting, credit repair services, 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 Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account XXXX : XXXX ; XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I wrote a letter that was mailed certified informing XXXX XXXX XXXX XXXX, Experian and XXXX XXXX of an 'intent to file lawsuit, HIPAA Privacy Violation '. This is regarding medical debt accounts that has not been validated that are still being reported on my credit report. XXXX  has removed those erroneously reports that violates my rights according to HIPAA and my rights to exercise the Fair Credit Reporting Acts but Experian and XXXX continues to report this erroneously information from XXXX  XXXX, which violates my privacy and rights. Again, as per my certified letter written XX/XX/2020, XXXX XXXX XXXX XXXX and XXXX  XXXX  did NOT provide me a HIPAA release that releases my medical information and I am proceeding with legal action as prescribed by law against the credit bureaus and collection agency should these items not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
Product: Mortgage

I sent out a check on the first of XXXX which was the due date of XXXX payment. And it was not received yet. So when it did not cleared yet I made a payment over the phone thinking that the check got lost in the mail. The next day both the mailed in check and the phoned in payment got deducted from my XXXX XXXX account, which put my account in the negative by a lot. I called M & T bank to tell them the problem and they refunded my phoned in payment. Then they informed me that the check # XXXX was rejected on the XXXX or XXXX. Which was not true according to my bank. So XXXX payment never was credited to my mortgage. Which left me behind. And I am still behind. Can't catch up to the payments due do the lack of work. And can not refinance or defer because they reported to the 3 credit company 's of the late payments, Which my credit score is bad now. Hope you can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has responded to complaints that I have filed with CFPB in which they have admitted on three occasions that there were fraudulent charges to my account .These charges led to fees and charges to the account by XXXX XXXX. XXXX XXXX has never mentioned the legitimate charge for which I paid XXXX  XXXX and then the product I purchased arrived broken and I returned the product and the vendor credited my account leaving the account with a credit balance which XXXX XXXX owes me. Documentation supporting my position was mailed to XXXX XXXX Customer Advocacy Office however XXXX  XXXX has never acknowledged the documentation. XXXX XXXX has erroneously reported my account as being delinquent thus destroying my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

They said they reached out to me. They lied. They didnt have my right info in there computer to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX removed an account named XXXX XXXX which was reported as a charge off on my credit. Ive spent a months trying to get the account removed bc it is not my account. Ive submitted paperwork to all 3 credit bureaus ( XXXX, Experian, and XXXX ). Even thought, XXXX did a thorough investigation and finally removed the unknown account XXXX, and Experian are failing to comply. Ive been submitting documentation to my claim and still nothing. This entire situation has cost my credit score to be in a position were Im not able to obtain a vehicle and able not have reliable transportation to work for my family. Ive become emotionally distressed, which is causing me to be depressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been contacting transunion for months sending letters on top of letters and they have refused to remove incorrect information from my credit report. I have provided with all documentation ids and identity theft affidavit & they still refuse to remove the incorrect inquiries and accounts from my credit report
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding inaccurate information on my credit report provided by Equifax. I have identified several inaccuracies that I have disputed, but my concerns have not been adequately addressed. 



Inaccuracy # XXXX : XXXX XXXX Description : Never Authorized Inaccuracy # XXXX : XXXX XXXX XXXX  DEALER Inquiry XXXX Description : Never Authorized Inaccuracy # XXXX : XXXX XXXX  Inquiry XXXX XXXX XXXX Never Authorized Inaccuracy # XXXX : XXXX XXXX XXXX XXXX XXXX Description XXXX Never XXXX Inaccuracy # XXXX : XXXX XXXX  Inquiry date : XX/XX/2023 Description : Never Authorized Inaccuracy # XXXX : XXXX XXXX  Inquiry date : XX/XX/2023 Description : Never Authorized Inaccuracy # XXXX : XXXX bank Inquiry date : XX/XX/2023 Description : Never Authorized Inaccuracy # XXXX : XXXX  XXXX XXXX  XXXX XXXX date : XX/XX/2023 XXXX XXXX Never Authorized I have made multiple attempts to resolve these issues directly with the agency, including submitting documentation to support my claims. However, the agency has not provided satisfactory responses or corrected the inaccuracies. 



This complaint is based on potential violations of the following laws and regulations : XXXX. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : XXXX. Under the FCRA, consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies are required to investigate disputes and correct any inaccuracies. 

XXXX. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : XXXX. If any of the inaccuracies relate to debt collection, the FDCPA prohibits unfair practices in the collection of consumer debts. 

XXXX. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : XXXX. This act grants the CFPB authority to oversee and enforce compliance with consumer protection laws, including those related to credit reporting. 

XXXX. Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) : XXXX. If applicable, this act requires lenders to provide clear and accurate information about credit terms and costs. 



I am particularly concerned about the lack of transparency in the verification process and the impact these inaccuracies have on my credit score and financial well-being.
Product: Credit reporting or other personal consumer reports

please delete the following accounts and inquires now XXXX XXXX. 
XXXX, XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
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 : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX # XXXX Account name : XXXXXXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX Account name : 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 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: Credit reporting or other personal consumer reports

I had a Mercedes Benz Financial Services ( MBFS ) lease I took out in XX/XX/XXXX while living in XXXX  XXXX, CO. The account no. is XXXX. I had a financial situation and voluntarily turned the leased car in early in XX/XX/XXXX and I stopped paying for the car at that time. 

So, that account went delinquent in XX/XX/XXXX and it has now been more than 7 years since the date of last delinquency. MBFS however are continuing to report to the credit agencies ( as of XX/XX/XXXX ) this is a current, paid as agreed account when when they know its been delinquent over 7 years and thus should have now fallen off of my credit reports. 

It appears that by marking my account as " Current or paid as agreed '' with a past due amount of {$16000.00} XXXX is trying to " reage '' my account making it look as though it hasn't been delinquent for more than 7 years -- which it has. Concerningly, on my XXXX credit report they even show false payments being made on time in XXXX to XXXX. This NEVER happened. The account has been delinquent since XXXX. This is deceptive and illegal. This delinquency should no longer appear on my credit reports and it's negatively affecting my scores.
Product: Credit card

I noticed my XXXX XXXX had plummeted to XXXX when it was way higher than that and i checked XXXX XXXX and it shows there is a credit card in my name that i have never seen or applied for. Ive went on the app and tried to login with my personal information but its definitely someone else 's doing i dont know how someone could have got my information. I was actually incarcerated during this time
Product: Credit reporting, credit repair services, or other personal consumer reports

I am replying back to your CFPB dispute response and am confused on how you state my account was reported 100 % accurate and true to all three credit bureaus where I have spotted multiple inaccuracies from my report multiple times even from the reports of the payments you sent me. I went to annual credit report as you advised and pulled my report which shows the date of last payment as being 100 % inaccurate. According to my original self account from the app, My last payment made on my credit card is XX/XX/XXXX. Yet from these XXXX XXXX statements i received from your company states two last payments on two separate reports and those dates are not even the same. For example on the XXXX report I received from you, my last two payments are listed as XX/XX/XXXX and XX/XX/XXXX. Which is impossible because my only payment made In XXXX of XXXX was the XXXX. Now on my XXXX report that I received from your company my last two payments are XX/XX/XXXX and THEN XX/XX/XXXX. Which is grossly inaccurate. Just off those two reports you sent to me I already pointed out two sets of inaccuracies. My one and only final payment was XX/XX/XXXX which is ONLY being reported correctly on XXXX  which has NO second last payment date because a last payment can only be made once. Your company replied to my disputes TWICE through the CFPB as being 100 % accurate and true which I have pointed out from your own documents that you sent that this is a gross defamation of my character by continuing to report these inaccurate accounts to my report.
Product: Checking or savings account

I card was hacked on XX/XX/2024 and after 4 criminal fraud charges, overdraft fees and international fees I was wiped XXXX XXXX. That was all the money in my account. I have been battling against Bank of America since. The process is difficult to update supporting documentation to help my case with Bank of America. I have now filed a police report since to support my claim. XXXX  the 4 transactions- they were related to 2 XXXX  flights and charges for XXXX ( a XXXX/food ordering service only available within the XXXX ) . I have provided my driver 's license and passport to Bank of America, proving I did not step foot into XXXX ever in my life. They have denied my claim once before but I resubmitted for it to be revaluated.
Product: Mortgage

XXXX XXXX bank sold my mortgage and did n't notify me in a timely manner. USBank bought my mortgage and did not notify me in a timely manner.
Product: Mortgage

I am having a very difficult time with Select Portfolio Servicing. We're getting back on our feet financially from COVID 19 and have been denied for a loan modification. The reason given by SPS was due to the delinquency of the account. That does not make any sense to me due to the fact SPS is the one that told me they could help me under the CARES ACT with the forbearance. Now the we're back working we just want to go back to making our monthly payments and avoid foreclosure. Our gross income of {$6100.00} can clearly afford the mortgage payment
Product: Debt collection

{$1400.00} LVNV FUNDING LL XX/XX/year> I contacted them and repeatedly informing them of the issue and inaccuracy of this account. They insist on harassing me through emails and phone calls
Product: Debt collection

I received a certified letter from a random person that I was being sued in the amount of {$920.00} from Denali capital from debt of XXXX. I have called multiple times asking for verification of some type that the debt is mine and they will not send one. Have reached out to multiple people and now can not get an answer
Product: Checking or savings account

Hello, On XX/XX/2025 I was trying to speak with a chime representative. I googled chimes number and a number populated saying talk to a live agent. I clicked on the number and a man quickly was on the line he claimed he worked for chime and asked my issue. I explained how my paper check wasnt uploading to be deposited. He then told me he had to update my account to be able to deposit this check. He sent me a link and told me to go to pay and put this XXXX XXXX  name in for numerous amounts and put test in the comments. I didnt see it was really pulling money from my account. Then he told me to go to cash app because they had a partner ship with chime. He told me to send an amount via bitcoin and the funds would be deposited back into my account. At that moment I realized I was getting scammed and they took XXXX from my account. I filed a dispute with chime for the pays to XXXX and they claimed the information was not disputed. I then just today put in a claim for the cash app transaction and am awaiting answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Refinanced mortgage with XXXX XXXX. XXXX sent payment on XX/XX/2020. ( Yes, I did email to verify ). XXXX XXXX XXXX says they did not receive until Monday XX/XX/XXXX Since it was past the XX/XX/XXXX of the month, they reported delinquent payment to my credit report. I disputed via experian to no avail. I called XXXX XXXX XXXX XXXX XXXX and they claim they can not remove from my credit
Product: Money transfer, virtual currency, or money service

I used XXXX to transfer money for a condo rental. Once I realized I was scammed I immediately called Citizens Bank to cancel the remaining g amount of {$950.00}. I received. Confirmation number and was informed it was cancelled. I then discovered citizens paid the amount to the scammer even after I cancelled. They will not refund my {$950.00}. it from another one of my accounts which I did not authorize when they, citizens suspended the transaction. 
I filed a police report who requested I call back with more info from the bank. The bank did not contact XXXX XXXX XXXX  to notify them of this fraudulent activity with their account holder. They help the criminals by not reporting for investigation. 
They took my funds AFTER it was cancelled with a cancellation claim number.
Product: Debt collection

I reported the identity theft charges to Experian and The other credit bureaus but it was removed from credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several disputes and police reports and they refused to remove these accounts from my credit report
Product: Credit reporting or other personal consumer reports

After thoroughly examining my credit report, I've noticed several discrepancies in accounts, inquiries, and personal details that seem inaccurate and impossible to verify. Consequently, I'm seeking a fair and transparent procedure to rectify these issues and manage my credit file, personal data, insurance, and associated information. It's imperative that any steps taken are just and unbiased, maintaining confidentiality, accuracy, relevance, and lawful utilization of this data. Below are listed items that need attention in my credit file which needs to be remove or updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Late Date XX/XX/XXXX 120 days late XXXX  XXXX XXXX Late 30 days XXXX XXXX  XXXX XXXX XXXX 30 days XXXX XXXX XXXX Last Payment XX/XX/XXXX XXXX XXXX XXXX Last Payment : XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX