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

I submitted a dispute with the credit bureaus towards the end of XX/XX/XXXX regarding a collection account that showed up on my credit profile at the beginning of XX/XX/XXXX ( reporting company is XXXX XXXX XXXX ). This account is not my account, I have no knowledge of this payday loan and have not been provided any information from the reporting company proving that it is my debt. So I disputed this fraudulent account with the credit bureaus and on XX/XX/XXXX and XX/XX/XXXX I received the dispute results stating that the account meets FCRA requirements. The credit bureaus told me that they had sent the information I provided to the reporting company and that the reporting company conducted their own investigation saying it is my debt. AGAIN, I have received not one document showing that I owe this debt, even after verifying my address, no one has mailed any paperwork to me. On XX/XX/XXXX, I submitted a complaint with the FTC, CFPB and the NC State Attorney General reporting XXXX XXXX XXXX for continuing to report this fraudulent account to the credit bureaus. Those complaints did not resolve the issue. On XX/XX/XXXX, I spoke with XXXX XXXX from XXXX XXXX and she stated that on XX/XX/XXXX,  they had closed the account as disputed and had transmitted this information that same day. She gave me her number and ext ( XXXX ext XXXX ) and her supervisor 's name ( XXXX XXXX ) and told me to call if I needed any other info. I spoke with a rep from XXXX that same day ( XX/XX/XXXX ) and they had not received anything from XXXX XXXX. I tried to call back and speak with XXXX XXXX but she and her supervisor were " unavailable '' and would call me back. They never called back. Today, XX/XX/XXXX, I called Equifax to see if the account had been removed. Not only was it still on my report, but XXXX XXXX had reported my account as delinquent on XX/XX/XXXX, TWO DAYS AFTER MY CONVERSATION WITH XXXX XXXX SAYING THE ACCOUNT WAS NOW CLOSED. I do n't understand how a closed account can be reported as a delinquent open collection account if it was supposedly closed on XX/XX/XXXX. I need this resolved immediately! It is damaging my credit and it does not belong to me. And as stated before, I have not received any documentation proving that this account belongs to me, even after I requested paperwork be mailed to my home address. This account is unfairly being reported!
Product: Student loan

I was approximately XXXX XXXX XXXX when I applied to Wells Fargo student loan. This was in XXXX. Wells Fargo made a lot of promises that I was going to get 20 percent off the loan if I graduated ; I graduated and now I have XXXX XXXX XXXX. I took out a XXXX XXXX for my XXXX degree. Wells Fargo student loan service lied and placed me in a loan that has charges daily. Also, I have been paying for this loan for over 9 years with no progress of paying off. I made double payments ; and now I currently owe XXXX. I made payments during pandemic and for some reason I cant get out of this loan. I contacted XXXX XXXX for a co-signer release ; and I was denied. Although my credit score drop for circumstances. I applied throughout the years when my credit was in the XXXX and I was still denied. This is unfair, unethical and a set up on minorities. Also, I paid off my car loan that I had in XXXX ( XXXX ) and for some reason its impossible to pay off Wells Fargo student loan. I need help
Product: Credit card or prepaid card

Discover Credit card After continuously disputing discover credit card open fraudulently under my name in the amount of {$8200.00} open on XX/XX/2016. Discover has refused to withdraw and remove this account. I have supporting documentation in which proves I am a victim of identity Theft.

I have summited the following documentation more that 10 times *police report *ftc affidavit * copy of my drivers license & social Under the Fair Credit Reporting Act, states if the credit reporting agencies can not verify the debt within 30 days, then it must be removed. Discover has reported to the credit bureau claim to have " verified '' this debt and evidence proving belonging to me.

but this is in fact not true under law.

Simply responding to the dispute and verifying match up numbers in your database is no sufficient verification for identity theft.

In fact the Credit bureaus not only disputed this account as fraudulent but they also informed discover I was a victim of identity theft and provided police report FTC Affidavit.

Of course the information matches up. Someone clearly used my information without my authorization. The thieves have have all My information but unfortunately i have no control of that. I have place a security freeze on my report to prevent further fraudulent misuse of my identity to apply for credit. 
I have provided more than sufficient evidence to get this false accounts removed. discover financial has made my life a living nightmare ... 

Ive spent time out of work totaling 217 hours ( in result lost wages for absent time ) My anual income is {$110000.00} verifiable Through the IRS. also Im currently In the process of buying my first home in Which Ive funded Ernest money in the amount of XXXX in escrow, due to the fact that discover has reported this fraudulent delinquency on my credit report I will not only be able to close on the property and loose the money that I put in escrow plus additional fees such As Appraisal & inspection for a total of XXXX not including time of work Discover credit services. Has caused me not only my good name and credibility but also monetary losses from work wages for taking time off work to resolve this matter, money lost from escrow account in result of not closing on my home due to the fraudulent XXXX, XXXX XXXX XXXX XXXX by this extreme experience. 
suffering of this XXXX XXXX has drastically affected me with health issues such as XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XX/XX/2022, I visited a few car dealerships to shop around and explicitly told these dealerships that I do not want my credit report run because I will be getting financing through my credit union as well as making a down payment. 

These dealerships then took it upon themselves to run my credit report over 20 times across different banks to try and find a rate that would beat my credit union even though I had just asked them not to do that. They did so against my wishes because they were aggressively trying to make sure I left with a vehicle that day. Below are these frivolous inquiries segmented by credit bureau. 

Experian : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX - XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX - XX/XX/2022 XXXX XXXX XXXXXXXX - XX/XX/2022 XXXX XXXX  XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX  - XX/XX/2022 XXXX XXXX  - XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX : XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX  XXXX - XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXl - XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX : XXXX - XX/XX/2022 XXXX XXXX  - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX XXXXXXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX - XX/XX/2022 XXXX  XXXX XXXX XXXX - XX/XX/2022 XXXX  XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX - XX/XX/2022 2022
Product: Mortgage

Pretty simple. US Bank is representing their Jumbo Mortgage 30 year Fixed Product.  3.5 % and XXXX APR - the same as their conventional product 30 year fixed which is impossible. You can check the website - but also printed it to PDF. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you about account ( XXXX XXXX XXXX XX/XX/year> ) because of the significant number of inaccuracies in this account, I believe it can not be properly corrected within the reasonable parameters of the Fair Credit Reporting Act. As a result, I am requesting that this account be deleted from my credit report entirely, pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates the removal of disputed information that can not be verified or that contains multiple inaccuracies.

The continued reporting of this account, with its numerous errors, is a violation of my rights under the FCRA, and I request that it be removed in accordance with the law. The missing dates make the account incomplete or inaccurate, violating the FCRAs requirements for accuracy and completeness.

Under 15 U.S.C. 1681i ( a ), credit bureaus are obligated to conduct a reasonable investigation of disputed items, and if the information is found to be inaccurate or unverifiable, it must be corrected or deleted. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit bureaus ensure they report accurate and complete information. Given the volume of discrepancies within this account, I assert that the only appropriate remedy is the deletion of the account from my credit file. 

Due to the missing dates and the resulting incomplete information, I am requesting that this account be deleted from my credit report, as this violates the accuracy requirements of the Fair Credit Reporting Act ( FCRA ). If the missing data can not be provided or verified, the account should be removed in accordance with 15 U.S.C. 1681i ( a ). 

Account XXXX XXXX opened XX/XX/year>
Product: Debt collection

I get a call from this number 3-4 times a week during the day. Automated message, no options to speak to an operator and get me off the list. They give a website and number to call but I'm not comfortable doing that. They say they are a debt collector. I have no debt to collect. I've never had anything in debt collection. I've never gotten written notification from anyone regarding debt collection. My number is registered in the national Do Not Call registry. This is purely spam and needs to stop.
Product: Checking or savings account

I was told by chime own agents they didn't even understand why my disputes were being denied and further more went on to say, and I quote " that I was being discriminated against for some reason '' and I agree. I've moved thousands through this account and I had XXXX scammed from me and still I continued to get the same run around with instant denial. I did this 18 times before giving up
Product: Credit card

A XXXX  % promotional XXXX on balance transfers was received from XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Citizens Bank. 

The promotional period is through XX/XX/XXXX. There is a note in bold print The balance transfer fee will accrue interest at the XXXX XXXX when you are no longer in your introductory period. ( XX/XX/XXXX ). On the statement covering XX/XX/XXXX - XX/XX/XXXX a {$3.00} interest charge was imposed. I called the bank and they reversed the interest charge. 

On XX/XX/XXXX a statement was received for period of XX/XX/XXXX - XX/XX/XXXX with another interest charge was imposed for {$2.00}. I talked with XXXX Customer Service Agents and XXXX Supervisor, XXXX in the XXXX  XXXX. 

XXXX told me that the charge is correct and it was spelled out in the solicitation. Her statement is inconsistent with the above quote from the letter. The XXXX  agent affirmed her statement.
Product: Mortgage

Bank of America had no right to foreclosure my husband had deceased and I was in the home and I am surviving spouse of mortgagee. The bank had a INACTIVE NOTE it is verified by XXXX XXXX XXXX and I had reported this but I had no proof at the time but they did know. Before my XXXX XXXX he had asked for the documents but they stalled him after he passed I took death certificate to bank but first death certificate had a cause of death pending so they said I would have to wait till it cleared to submit the next one for the insurance. By this time they gave me no notice of foreclosure. They kept delaying mail by sending mail to different address. I can prove this as well. I don't understand what good is it to have proof when no one will help me. I know the home was sold so there's no getting it back but they owe me for the 7 years I did not live there when I should have. They have no one to answer to it's as if there above the law and they just keep taking people 's homes. Why doesn't anyone do something? CFPB is suppose to help but how if you close my complaint as soon as they respond? Do you check there responds? How can you keep letting them get away with this I have been sending my complaints to everyone XXXX, FTC, XXXX XXXX XXXX XXXX XXXX, XXXX, OFFICE OF ATTORNEY GENERAL, XXXX, AND XXXX, AND NOW I WILL SEND ALL MY COMPLAINTS TO XXXX since that's were note originally started. It's been a rough 7 years moving back and fourth and the mental anguish my family and I have suffered because we have no home. The destruction of families caused by this bank is just terrible. And if it were I doing what they do I would be in prison by now. Does the law work for them or is the law working for the people? So now with this new information I hope you actually come down on them because if you don't more families are loosing there homes by the minute. Every minute you don't take action against them, another family will lose there home, so who's side would you really be on? I want them to pay me for every year I have not lived in our home that my husband paid for ... while in the XXXX and a XXXX  employee I don't think he served his country for them to disgrace him at death. I can't believe that this is regular business practices that they keep getting away with. I want justice for my husband and my children. We deserve it and I will not give up until we go to trial with it, only then I will stop complaining. When I know a judge has ruled on it because the first court I had was an eviction and I was not prepared for that either I never saw that coming because of there Trickory.
Product: Credit reporting or other personal consumer reports

I am an authorized user on 2 credit cards with XXXXXXXX XXXX XXXX XXXX XXXXXXXX. These tradelines are not reporting to the credit reporting agencies. I am providing the account number please investigate and report
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, 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 Balance Owed : {$650.00} XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$990.00} XXXX XXXX Balance Owed : {$17000.00}
Product: Credit reporting or other personal consumer reports

Transunion on XX/XX/year>2025 you received my Complaint see CFPB case number XXXX regarding inaccurate and incomplete information on my consumer that you replied Verified/Accurate. 
The account that you responded verified XXXXXX/XX/XXXX to still has inaccurate and incomplete information. 
15 USC 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

By law you are obligated to report accurate information, you are also supposed to notify me not later than 5 business days after the completion of the re-investigation by mail BUT you did not?!

( 6 ) Notice of results of re-investigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a re-investigation under this subsection not later than 5 business days after the completion of the re-investigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the re-investigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the re-investigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am here. By requesting in good faith pursuant rule 1002 a description of the procedure used to determine the accuracy and completeness of the information used in verifying this account as accurate.
Product: Debt collection

Out of the blue one afternoon I was working and i received a call from a Number asking if i was XXXX XXXX XXXX and they spelled my name wrong i spell my XXXX with a XXXX not a XXXX and they gave me my social security number and I told them that was not me, and confirming my address and I said to stop calling that they have wrong person.. They kept calling early mornings and late night when Iam at work and I kept saying they had wrong number and they said are you sure youre not XXXX XXXX XXXX and said that my credit score was going to deflate and to make sure i check it XXXX it .... Very horrible calls and Iam scared to even pick up numbers i dont know..
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding my credit report. Upon reviewing my credit report, I have identified several unauthorized accounts that have negatively impacted my creditworthiness. I strongly believe that these accounts are the result of identity theft and require immediate attention and resolution. I want to clarify that I have not initiated or authorized these accounts in any way. These accounts have been fraudulently opened without my consent or knowledge. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing a report with the Federal Trade Commission ( FTC ). I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. I kindly request that you conduct a thorough investigation into the validity of these accounts and take the appropriate actions to remove them from my credit report as they are not the result of any legitimate transaction or credit application made by me. I respectfully ask that you provide me with a detailed written response as soon as possible, acknowledging your commitment to investigating these accounts. In your response, please include the following : Confirmation that you have initiated an investigation into these accounts. 
Copies of all documents and evidence related to these accounts, including the application and any supporting documentation. 
A written statement confirming the removal of these accounts from my credit report upon the completion of your investigation. 

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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX 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.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. these are the accounts i need removed the XXXX account and the payday loan account
Product: Money transfer, virtual currency, or money service

Venom had been holding my money passed the 180 days span. They been holding my money since late 2020. My funds are just sitting in the account. They promised that my funds will be released after 180 days but no answer after that mark. I would like to take legal actions to get my money back to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not aware of XXXX and why there is an account in collections with this amount - I have had no contact from a debt collector via mail, email or phone. I have attempted to reach out to the previous holder of the debt however was refused information regarding the debt itself. The current status of the account is not correct and is unverified. The amount of time that has gone by with no communication or update to my credit report has caused disapproval of loans, denial of jobs etc. The reporting is inaccurate and inadequate and unverifiable
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection debt on my credit by franklin collections for an accrued phone account of {$4100.00} that was opened while I was incarcerated in XXXX of this year. Upon discovering this I received a text from the phone service to take a survey to a link that I separated the proxy end of the url before send my screenshots and the link to a friend for safe keeping. This link was immediately identified as abusive and locked to my messaging account not allowing me to even delete it. My credit is being effect by something I simply couldnt have done and it seems I've been directly interacted with coming upon it ; held by an agency with past lawsuits for fdcpa. I hope you can talk
Product: Student loan

I have been trying to get financiallybstable and they keep making me go to a forbearance account so I can gold payments without telling me the consequences. Also, they have missplaced payments and my information is incoreect. I have successfully paid XXXX and XXXX which was the original loans and I ca n't keep track of what I paid and did n't because they kewp bouncing me around. I believe I have paid everything and they want to keep making me pay. They need to erase that debt out of my credit. It is affecting me to progress further.