23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was breach through out the credit report agency, ( XXXX and Equifax ) I've been try to resolve the issue for almost an year now. then recently find that the credit bureau are the one that responsible for my personal information to get out there. Where I receive email from a third party due to the fact that people are using my information to apply for credit card loans, mortgage et.. I contact the bureau a several time in order to have those inaccurate items as such hard inquiries, company names that I've been heard of or any unverifiable item to be removes in on my consumer report and they're refused to do so. 

According to the Fair Credit Report Act, SECTION 609 ( a ) ( 1 ) ( A ) you ARE REQUIRED BY FEDERAL LAW TO VERIFY-through the physical verification of the original signed consumer contact -All accounts you post on a credit report .otherwise, anyone paying for your reporting Service could fax, mall or email in a fraudulent account. 

I Demand help due to the fact the company that were supposed to keep our consumer information safe are the one that actual causing damage on the people consumer report.
Product: Student loan

( 1 ) H

eartland ECSI is the service provider. Their customer service representatives give different information about the matter, no one is consistent with the answer. ( 2 ) I've been making payments to my loan and they rarely report this the credit bureaus. From time to time, they report to XXXX, and when they do, the information is incomplete and inaccurate. In addition, since they rarely report, they remove the account from the credit report, thus constantly affecting my credit history and score. ( 3 ) They only report ( when they do -- and its not on a monthly or bi-monthly basis ) to XXXX. ( 4 ) Their processing fees are ridiculous. No matter which payment method you pick, if it's not a recurring payment -- they charge you a fee. This is a student loan not a title loan or a private loan. This is unacceptable. ( 5 ) They don't communicate effectively. No notifications are sent when amounts are due. ( 6 ) My account homepage lacks so much information that -- I've made payments in full of the amount due -- and 10 days later I login to find a new balance ( {$6.00} ) and there is no statement or description of the new charge. ( 7 ) The information reported on this account is inaccurate -- balances, payment history, payment am
ounts, etc.
Product: Mortgage

Flagstar mortgage. I paid my XX/XX/XXXX, bill on XX/XX/XXXX {$530.00} was due but I paid {$650.00}. I logged into account, XX/XX/XXXX, to verify payment application. I noticed my next payment due was for a higher amount, {$550.00}. I also know XXXX is when escrow analysis is completed on my account. I checked online documents, there was no current escrow analysis report. Today, XX/XX/XXXX, my XXXX bill statement ( statement create date XX/XX/XXXX ) was received for the aforementioned higher amount. I have not received escrow analysis and there continues to be no escrow analysis report present on the website. Customer service claims analysis report was mailed but could not say when and could not provide reason/explanation how report was mailed when there is no report in online documents, but XXXX statement for XXXX bill is present on the website. I asked him to change payment until escrow analysis report could be received. He would not agree to set payment to prior amount until analysis could be received. He apologized that analysis report was not received but had been mailed. He then hung up on me because I used profanity once.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( syncb/pc Richard XXXX XXXX XXXX ), has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/2025 XXXX. XXXX XXXX - XX/XX/2025 XXXX. XXXX XXXX - XX/XX/2025 XXXX. XXXX XXXX - XX/XX/2025 XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MUST BE DELETED IMIDIETLY, PLEASE DELETE ASAP I HAVE NEVER HAD ANY ACCOUNT LIKE THOSE.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take quick and authoritative measures to prevent and address fraud on their platform, leaving not only my account but millions of others vulnerable and unprotected. Additionally, Cash App 's 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 remedy for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account student loan XXXX XXXX, US Dept of EDXXXX XXXX XXXX US Dept of EDXXXX 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, Also states a consumer reporting agency such as XXXX, XXXX AND TRANSUNION can Not Furnish a account without my written signature or instructions to do so.
Product: Checking or savings account

On XXXX XXXX I had an unauthorized charge to my checking account by XXXX in the amount of {$190.00}. I believe I was the victim of identity fraud and my credit was used to open up a fake cellular phone account. I placed a credit freeze with XXXX, XXXX, XXXX, XXXX, and XXXX. I notified Chase bank and they are currently investigating. I also filed an identity theft report with the FTC. And I contacted XXXX, but they were not helpful and were unsure of what action to take.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 US. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? I have attached some documents that you can clearly see what I'm talking about. incorrect dates and amounts.

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure. 
ACCOUNT NAME ACCOUNT NAME XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Both XXXX and TransUnion continue to show that I have Accounts with Adverse Information and Serious Delinquency. Only TransUnion shows the alleged account with Delinquency, which shows XXXX XXXX. I have talked to both agencies numerous times on the phone and have mailed information from XXXX that the account was never Delinquent, was paid on time and in full. The crazy part is, both credit reports from XXXX and TransUnion show XXXX XXXX as Exceptional Payment History, account closed and Paid On Time. I get both of them on the phone and they admit they show no delinquencies at all on my account and will look in to it and fix it. This has gone on for several years and nothing has been fixed. The result Is that some of my credit card companies show a reduced FICO score and most of them show the correct higher ( over XXXX ) scores. I am totally frustrated with both these companies and their total lack of concern and professionalism in this matter, especially since their own Credit Report proves what I am saying. I can't even dispute my case on XXXX, because the account shows Exceptional, not even allowing me to click on to dispute. Neither of them can produce any evidence to confirm the negative statements they have in the reports. 


PLEASE HELP!
Product: Debt collection

Synchrony XXXX credit card sent a negative balance to collections. I had paid off the card in XXXX of XXXX  and it was left at - {$50.00}. They should have sent me an overage check. Instead they decided to add large amounts of fees and penalties bringing the total due back up to over {$850.00}. Within one week of my paying the entire balance off, it was sent to collections with their added fees. How can they charge over {$800.00} in fees after I paid it off and immediately send it to collections. I can not rent an apartment after leaving my XXXX  husband due to this and a couple other errors. He was in charge of bills and I couldn't open mail. He decided to stop paying. However XXXX of XXXX  and again in XXXX of XXXX  I paid off nearly every single debt. My score was XXXX and it has only risen 20 points. XXXX reports incorrect and/or old information on top of the other issues. This is ridiculous. How can a person have half a year worth for upfront rent yet still be denied due to a XXXX credit score? How are people in XXXX  financial and emotionally coercive situations supposed to be able to successfully leave if the companies governing their ability to live report erroneous activities?
Product: Checking or savings account

All my transaction I made through Bank of America online bank and XXXX are fraud. My fiance got fair by rake Vet clinic and animal transportation from XXXX And I figured out its a scammer and all the transactions I made through Bank of America and XXXX went to the scammers account
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally dispute and seek your assistance in the resolution of an inaccurate collection account on my credit report, specifically in relation to XXXX, one of the major credit reporting agencies. I believe that the information related to this collection account is incorrect and is in violation of the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Checking or savings account

XXXX of 2022, I opened an account with Key Bank in XXXX to receive funding from a friend outside of the state through XXXX transactions. I opened the account online and some address information was wrong, and Keybank set up a home branch in XXXX When I went to withdraw the money in Michigan, It was flagged as fraud. After proving my identity, Keybank still withheld the fund. due to suspected fraud, I was not told of any information. The KeyBank retailer suggested closing the account and the fund with be resent back to the sender, so I closed the account with KeyBank. After a while, I contacted KeyBank and they told me they will not refund the fund unless the sender ( who is a client from XXXX XXXX  ) contacted KeyBank through XXXX XXXX and request the fund. I contacted the sender and sat down with XXXXXXXX XXXX XXXX XXXXXXXX will not request the fund, because the money was sent legitimately and they can not give out client information. So Keybank and XXXXXXXX XXXX  will not talk to each other to resolve the issue, and Keybank has since then sent me running around. I since then have moved out of XXXX and to XXXX Keybank retailer now won't return my call, and Keybank back office number said they can not do anything on the phone and I have to talk to the bank branch.
Product: Checking or savings account

The bank charged excess fees and did not process deposits prior to processing withdrawals. Continued charging overdrawn fees, NFS fees, while having funds available from savings account to automatically bring account to a balance that would cover the incoming debits. Then would transfer funds a day later and charge for the transfer.

Also used my personal information without my consent to market and solicit 3rd party companies to sell products
Product: Debt collection

My name is XXXX XXXX and I recently performed a review of my credit report. Following my review, I learned that your company/agency shows some unauthorized accounts that I find to be harmful to my credit and reputation. Hence, I am requesting investigation, removal, suppression, block and dispute of the below mentioned account accounts. I also request that WESTLAKE FINANCIAL SERVI, XXXX, XXXX  and XXXX  absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

The following item is the results of me being a victim of identity theft. This information does not relate to transactions that I have made or accounts that I have opened. Thus, it should be blocked and removed from appearing on my credit report pursuant to Section 605B of the Fair Credit Reporting Act. Please be advised that I have completed an identity theft report.

The fraudulent and/or erroneous account in collections is listed below : 1 ) WESTLAKE FINANCIAL SVC, Date opened : XX/XX/2019 Amount : {$11000.00} TO REPEAT, I did not open any of this. I have NEVER done any business with any of the above mentioned company, nor did I authorize any of these accounts. Also, I was not aware that the account existed until recently. 

Credit reporting is VOLUNTARY not mandatory. I never agreed forWESTLAKE FINANCIAL SERVI, XXXX, XXXX  nor XXXX  or any other agency to report anything or furnish any info. 

Pursuant to 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

1692j. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Product: Credit reporting or other personal consumer reports

I want to dispute fraudulent accounts on my consumer report that you have failed to delete. I request an reinvestigation and permanent removal of the inaccurate accounts in accordance with the Fair Credit Reporting Act ( FCRA ) section 611. I'm also requesting verifiable proof, a contract with my signature accurately showing this account belongs to me and how it was verified. Immediately remove these inaccurate account from my consumer report due to violation of my consumer rights under 15 U.S.C 1681a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I keep sending in money for extra principal but they keep putting it in a partial payment every month I write it on the coupon and some money order and they dont do it I have to keep calling them like a baby to remind them where to put it and after 3 months they still are not doing even with send message to them they keep saying we are working on but the dont I really tried of me keep having to write or calling every month please can u help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian about the inaccurate reporting of my personal addresses on my credit file. 
The following addresses are inaccurate : XXXXXXXX XXXX XXXX XXXX  XXXX. ( This a previous address of my brother ) XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX ( I have never been associated with this address and have no accounts associated with this address ) XXXXXXXX XXXX  XXXX XX/XX/XXXX
Product: Mortgage

Since I submitted my prior complaint ; ref ( complaint number XXXX ). 
I have XXXX more issues : in order for my lending to process my loan, Carrington Mortgage had to transfer the Appraiser, Carrington Mortgage refused to do this until I paid {$600.00} which according to them was the cost of the appraiser. I mailed in a Cashier check for {$600.00} to Carrington Mortgage. The Appraiser is now transfer to my lender who informs me that they were notified that the appraised has not been paid and payment had to be made before the process could continue. The actual appraiser fee was actually a little over {$400.00} not the {$600.00} I sent to Carrington Mortgage. This is ridicules that a company will falsely charge me money. In addition to this, Carrington Mortgage continued to email me stating that they would beat any offer that was given to my by new lender, this was propose to my several times and I have the emails to prove it. I responded that I was no longer interested and that I was not happy with their services. Now I received a letter in the mail stating that I got a negative report in my credit score because Carrington Mortgage disapproved my credit after the fact. This is outrageous.
Product: Mortgage

I received a Loan modification with a interest rate of 2 % Fixed for 30 Years from my Lender in XXXX 2010 & Recorded as such with the County Clerk Office, Then I received other documents requesting my signature with a Interest rate of 3 % & the rate would subsequently Increase, .My Lender has consistently refuse to Honor the original signed Loan Modification agreement .I have contacted them on numerous occasions but to no avail.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We bought @ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OH ( XXXX ) XXXX A Used XXXX XXXX XXXX on XX/XX/XXXX. 

The financing was though XXXX XXXX Bank : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX At the Time of close. We were informed our Credit was less than Stellar?? This is the Best we could get?? Denied access to Death Loan Pay Off and or Unemployment Loan Payoff Insurance. This due to our advanced age and poor?? Credit Rating?? 
I dispute this. We have a Rating of GOOD then as now. 
Take it or leave it. This is the only way the Bank will Write this Loan. 
I've never seen a Loan Agency EVER so anxious to repossess a Used Vehicle. Especially one being 8 MY 's old at the time this Financial Arrangement was made. Not even a Rumor or Whisper of such. 

My Wife did receive notifications on why Financial Institutors turned her own for credit Lending. I did EXCEPT for Equf.. located in XXXX, Georgia. Again they insist I am my deceased FATHER. I requested VIA Telephone 4 Times since to have their Reason Why sent to ME. None such as of this date.
Product: Credit reporting, credit repair services, or other personal consumer reports

CITIZENSBK  XXXX   XXXX   XXXX    XXXX    XXXX , CT  XXXX  (  XXXX  )  XXXX   XXXX / XXXX /  XXXX   This inquir y was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''
Product: Credit reporting

I am filling a complaint against Equifax credit. I have submitted documentation to Equifax numerous times over the last 2 years and have had no resolution in the matter. I have provided documentation on a tax lien that was satisfied two years ago and they refuse to remove from my credit report. They state the reason they will not remove the tax lien is because they have a retention rule that keeps it on my credit report for 10 years and the only way to remove is if the court will electronically send a letter stating the acceptable removal of the account. Upon communicating with the courts they do not provide the letter requested by Equifax and they have already sent a letter of satisfaction to Equifax. I have done this with the other two credit companies XXXX and XXXX and they have removed it from my credit report and Equifax refuses to. This matter is severely hurting my approval for a business loan I have applied for.