23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am in the process of purchasing a home that is under contract and scheduled to close on XX/XX/XXXX.

I was approved for my loan when we got an alert that my credit changed.

My loan processor checked my credit report and noticed that Conns reported my payments late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

I was surprised because I made an agreement with their debt collection company on payments that I submitted the day they contacted me.

I immediately contacted Conns for an explanation on XX/XX/XXXX. They informed me to contact XXXX XXXX to discuss the account. I then dialed them and spoke to my representative ( XXXX ) who informed me my payments are not reflecting late.

I then contacted Conns back and spoke to a supervisor. The supervisor said they would open a ticket to review the request for an updated payment history.

I called numerous times throughout the next couple of days.

I contacted XXXX with XXXX XXXX because Conns informed me that they needed proof the payments were made on time and for the amount we agreed with them. We agreed to make payments of {$87.00} monthly.

I paid {$140.00} on XX/XX/XXXX, {$87.00} on XX/XX/XXXX, {$87.00} on XX/XX/XXXX and an additional amount of {$300.00} on XX/XX/XXXX.

I requested they send a breakdown of my payment history and payment agreement to Conns. They stated they sent it to their inner customer service department.

I called Conns and they stated I needed to contact XXXX XXXX for the letter. However, i informed them I already had a ticket open with them to obtain this letter.

The supervisor with Conns said he would get it to me. XX/XX/XXXX, I got XXXX with XXXX XXXX to send Conns proof of payment.

I called Conns again for an update and they said the ticket comments show the request closed.

This was not correct because I still needed a letter.

I told them to open another ticket so that I could get this resolved. I needed a letter showing the payments were reported in error and they would correct them.

XX/XX/XXXX, I spoke to Conns and they stated that the request was rejected because the debt collection company ( XXXX XXXX ) did not provide proof of our payment arrangements and the times they were made.

XXXX stated Conns told him their account shows current and they would update the credit.

I received a letter from Conn 's on XX/XX/XXXX that was a payment history report. However, I told them with the original ticket request that I need the letter to state my credit report would be corrected.

I called on XX/XX/XXXX to inform them of the new letter I needed and they stated it wasn't an option.

They then informed me they would only be updating a 180 day late report on my credit. Which didn't seem clear because I do not have a report for that amount late.

This is directly keeping me from purchasing the house I have a contract on that I previously qualified for and now those late reports have dropped my credit beyond acceptance.

They are not reporting my payment history accurately. I sent them proof of my payments made and that they were for the agreed amount with their debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act you have violated my rights. 
my rights. 
In the resent data breach my rights as a consumer have been violated. 

15 USC 1681 Section 602 States I have the right to privacy.

You guy have violated this right and because so I need all negative items reporting on my credit report removed If this is not done Im will be forced to take further legal actions.
Product: Checking or savings account

Bank of America put a pending debit hold of {$880000.00} on my checking account and a hold on my checking account on XX/XX/2021. Theres was no reason for Bank of America to put a hold on my account or debit my checking account for {$880000.00}. No fraud has been committed on my checking account, and claims I made with Bank of America has been resolved by the merchant. I have my Bank of America XXXX XXXX in my possession, and no fraudulent transactions has been made on my Bank of America checking account : XXXX
Product: Credit reporting or other personal consumer reports

3 Inquiry appear to me which are discounted and not authorized by me. 

XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Yesterday, Wednesday XX/XX/2020, I received a debit prepaid card from BRINKS MONEY that I did not apply for and had my name on it, after trying to call the company I got no answer and Im worried about scams or stolen identity
Product: Debt collection

I have received several phone calls from approx XX/XX/XXXX thru XX/XX/XXXXfrom in attempt to collect on a various debts that they claim I owe money for. Upon first contact they have claimed to mail out a collection letter yet I have not seen any that im aware of. 

I have requested every time that I would like verification in writing to prove that I owe the debt to this company. They have failed to do so to this date. 

I have done several disputes on my credit in attempt to remove these collection accounts from my credit and they refuse to show proof of the debts listed on my credit yet they have refused to remove them as well. 

I have also called several times over the past year on my own behalf and requested verification in writing that I owe the debt and they told me no that they did n't have to or that they could not do it for random reasons that did not make sense to me. 

Its my understanding that the law states that they have to show proof to me in writing and verify the accounts. 

The company info that is on my credit shows up as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I believe this is the same company as XXXX XXXX XXXX Along with placing 12 items on my credit some of the items they have placed are duplicate entries that have dropped my score even lower and despite several disputes they have also refused to remove the duplicate copies of the accounts on my credit as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

" I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
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 : XXXXXXXX XXXX  XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

I've been working to unfreeze my credit report since XX/XX/XXXX. I've talked to customer service multiple times, I've faxed in my information 5 times, mailed in my information 4 times, and Equifax refuses to help me. Every time they say my credit report does not exist, and that I need to send in my information, which I do, then I get the same response. 

On XX/XX/XXXX I filed a complaint with CFPB, XXXX, and Equifax told me to send in my ID, pay stubs, social security card, bank statements, and anything else to verify my identity. I sent the following to Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX : - Copy of Driver 's License - Copy of Social Security Card - Two pay stubs - Bank Statement - Utility bill at my current address - XXXX Statement for my current address Upon sending those statements as well as copies of my credit scores with XXXX and XXXX, I got the same response from Equifax- my credit file does not exist. I have an open line of credit via a credit card at my bank. I verified with them that they are sending the credit info to Equifax, so they should have my file. 

I have been working with Equifax since XX/XX/XXXX and they have blatantly refused to help me. Even after I filed a complaint here at CFPB.
Product: Debt collection

They did not respond to either XXXX of the XXXX validation letters that I sent. The first XXXX was sent XX/XX/XXXX and the second one was dated XX/XX/XXXX. They have not responded in the allotted time to the debt validation request.
Product: Credit card or prepaid card

I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITALONE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX / XXXX - XX/XX/XXXX / XXXX - XX/XX/XXXX.
Product: Mortgage

At the end of     XX/XX/XXXX /beginning of  XX/XX/XXXX , I s ent a payment for {$3000.00}. Details are in the  2 l etters I 've written to their customer service.       XXXX   XXXX    2017 I s ent : To whom it may concern : The {$3000.00} that I sent at the end of   XX/XX/XXXX  was for  XX/XX/XXXX  p ayment with the extra to go to principal. In other words, there should have been a total of {$2500.00} going to principal for   XX/XX/XXXX .  Please correct this. I will send   XX/XX/XXXX   payment later this month. Thank you.       On   XXXX   XXXX    2017 I sent  : To whom it  may  concern : My last payment at the beginning of   XX/XX/XXXX  w as for {$3000.00} ; there should have been a total of {$2500.00} going to principal for   XX/XX/XXXX  . My mortgage contract clearly states it as I have previously outlined to you when you went by the name of Greentree. Also, my lawyer has addressed this issue. You need to correct the payment applied at the beginning of   XX/XX/XXXX  t o reflect this and follow my wishes for payments in the future. Thank you.     As alluded to in the last message, I 've had an ongoing problem with Ditech/Greentree. It took a few letters from my lawyer to fix this issue last time.     To anyone considering a mortgage, I would have a clause written in that the mortgage  may  never be sold to, bought by, etc. Ditech,  Greentree  or any subsidiary or such. I WILL be doing this on any future mortgage I EVER make.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Portfolio Services is deliberately reporting false and defamatory information on all three Credit Reporting Agencies. False and malicious information is being reported and I have repeatedly tried to clear this up with the credit reporting agencies and Consumer Portfolio Services.
Product: Credit reporting

ACCOUNT : XXXX/XXXXACCOUNT ACTUALLY OPENED NOT IN XXXX OR XXXX, BUT IN XXXX. 
XXXX is trying to re-age the debt, even though it was discharged in a Chapter XXXX bankruptcy petition. This is a practice highly scrutinized by the Federal Trade Commission. 
The credit bureaus have not done a proper reinvestigation on this credit trade line. All XXXX credit bureaus have a different start date, initial XXXX late start date and end date. 
The account is over XXXX months since its first late payment, and must be deleted under the Fair Credit Reporting Act 7-year rule. 
I REQUEST A FULL REINVESTIGATION TO CLARIFY MY STATEMENT THAT THIS TRADE LINE HAS OUTLIVED THE 7-YEAR MANDATE FOR REPORTING OF NEGATIVE INFORMATION!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$7100.00}, XXXX XXXX XXXXXXXX Balance : {$4000.00}, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged into my free Experian credit monitoring service like I always do when I receive an alert or notice. When I logged in, it took me to another screen that asks if you want to keep your existing " free '' membership or " upgrade '' to a paid credit monitoring service. 

Like always, I clicked the button for keep the free membership. Their system, however, registered my click as " upgrade '' instead of keep free membership. 

I immediately contacted the company via chat to dispute the incorrectly processed selection. The rep informed me, " due to the terms and conditions that were accepted and agreed to, we're unable to issue a refund per our refund policy. '' I never was presented with any " terms and conditions '', nor did the system ever ask for a confirmation of my supposed " order. '' This, in addition to being a deceptive business practice, directly violates Federal laws for Accessibility ( WCAG 2.1 3.3.4, https : XXXX ).
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX credit report on ( XX/XX/2025 ) and noticed some things are incomplete and not accurate. According to the fair credit reporting act 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 according to 15 usc 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of Inaccurate or unverifiable information. 
( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 they are supposed to 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

Experian is reporting XXXX account as Last Active on XX/XX/XXXX and Last Payment XX/XX/XXXX. How can the last payment date be after the last active date? I also noticed that Experian is reporting a 30 day late in XXXX of XXXX and then a 90 day late in XXXX of XXXX. I asked Experian to advise how it is possible to go from 30 day late to a 90 day late? Experian is required to report only accurate information! And since it is in possible to go from 30 day late to 90 day late, means Experian is reporting in accurate information.
Product: Checking or savings account

I ( XXXX XXXX ) had a joint bank account with my daughter ( XXXX XXXX ) in Chase. On XX/XX/XXXX we discovered that our account was closed. After contacting the customer service they did not disclose any information but they said that they decided to close my daughter 's account. 
Yesterday XXXX we received a mail from Chase dated XXXX indicating that there were two checks deposited electronically in our account paid to the name of my daughter ( XXXX XXXX ) for {$750.00} each. The checks were issued by XXXX XXXX XXXX and signed by XXXX XXXX. Neither I nor my daughter knows the company or the person who signed the checks and we did NOT deposit these checks to the account. The checks were returned and we were also charged a {$12.00} fee for each one of the checks, with a total of {$24.00}. 
The bank also verbally informed us that they have blocked my daughter from opening an account in the future in that bank. 
We have a copy of the checks and the letter from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account from XXXX XXXX on my credit report. This account does not belong to me it belongs to my ex-wife and she has agreed per our divorce decree to pay this account along with her other account XXXX XXXX. XXXX XXXX says joint account on my report and its not a joint account it is the ex-wives account and responsibility which she is paying, making payments current, last payment was XX/XX/XXXX. It is not mine and I want this removed from my report immediately as I have disputed with Experian, XXXX and XXXX. I disputed both XXXX XXXX and XXXX XXXX with all 3 companies on XX/XX/XXXX again on XX/XX/XXXX again on XX/XX/XXXX again on XX/XX/XXXX again on XX/XX/XXXX again on XX/XX/XXXX again onXX/XX/XXXX. I have submitted my divorce decree and the fact that I have not lived with this woman since XX/XX/XXXX and every single dispute they tell me the result is that these accounts will remain on my report I have called the companies themselves on several accounts and left detailed messages and no person returns my call and I just get alerted after every dispute that my results are ready and the accounts remain. Please help as I have paid to Experian {$24.00} monthly since XX/XX/XXXX and I dont know what else I can possibly do or how I can be more clear and proofing to these 3 companies Experian, XXXX and XXXX they took other debts that werent mine off per my divorce decree but refuse to remove XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX  XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX  XXXX  XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX : {$78.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX for attempting to collect a debt that I do not owe. The original creditor, XXXX XXXX, has already confirmed in writing that my balance is {$0.00} and that I was actually owed a refund of {$170.00} upon move-out. I have attached the official move-out statement from the property as proof to both my credit report and to them. 

Despite this, XXXX XXXX XXXX has placed a negative item on my credit report, falsely claiming that I owe a balance. This is inaccurate and unfairly damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$4900.00}, {$6300.00}, {$7800.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

3. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

4. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

5. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX .... Balance : {$2300.00} ; XXXX XXXX  XXXX XXXX .... Balance : {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE QUITE A FEW FRAUDULENT INQUIRES REPORTING ON MY CREDIT REPORT. I NEED THESE REMOVED WITHIN 4 BUSINESS DAYS. THESE INQUIRES AREN'T ATTACHED TO ME AT ALL. EXPERIAN : XXXX XXXX, XXXX XXXX - Inquiry date XX/XX/2022 XXXX XXXX  XXXX XXXX Inquiry date XXXX XXXX, 2022 XXXX XXXX XXXX XXXX - Inquiry date XX/XX/2022 XXXX XXXX XXXX  : Inquiry date XX/XX/2022 2022