23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was trying to buy a grill for my husband 's birthday at XXXX when I saw their app showing a special saying, " Get {$75.00} with a new Apple Card. When you spend $ 75+ with Apple Pay at XXXX XXXX stores, online, or directly from the XXXX XXXX app. Must open by XX/XX/30 '' I thought it was a great deal and applied for the Apple Card. I was immediately approved. I bought the grill ( {$590.00} ) and was happy to get {$75.00} back. After a couple of weeks, I didn't see the credit reflected in my account, so I contacted Apple Card customer support. On XX/XX/XXXX, the specialist XXXX said they opened a dispute for the {$75.00} after I explained the situation and sent the screenshots. I never got any answer. Last Friday ( XX/XX/XXXX ), I contacted them again, and the specialist XXXX said they couldn't see any dispute in my account. I feel extremely disrespected because I should never be wasting my time fighting for something that is my right since I followed all the instructions and did all steps for this special. It's ridiculous, and I would NEVER have opened an account with Apple Card if it wasn't for this {$75.00} bonus. I had multiple chances before and didn't even consider it ; this was the first time because I thought it was a great deal and opened one just because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Mortgage

On XX/XX/2022, I received a statement from TD Bank Mortgage that showed I did not pay my mortgage and with some late fees. I reconciled the payments with my actual bank, and saw that the checks were mailed ( as I use AutoPay ) and cashed, with money taken out of my checking account on time. I called TD bank a few times, and simply get stuck in an automated loop without being connected to anyone. Once I was connected, and she said she could not authenticate me on the phone and I would have to try again some other time. TD Bank has no online resource, no online management of the mortgage, and is wrongly charging me late fees.
Product: Credit reporting or other personal consumer reports

this is my XXXX attempt with XXXX XXXX, and experian disputing the inaccurate information on my credit report. They have violated the FCRA by not doing a reasonable re investigation per 15 usc 1681s-2 and 15 usc 1681n ; 15 usc 1681o.I am requesting the deletion of the inaccurate information from my credit report. Furthermore all of the debt has been paid per XXXX, XXXX usc XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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
Product: Debt collection

On XX/XX/2021 I was alerted to negative information being reported to the credit bureaus. On that day I researched the negative information and found that Sequium had reported me for not paying a {$1200.00} bill to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and Sequium and provided both of them with all requested documentation to prove I did not owe this bill. My evidence was accepted by XXXX XXXX XXXX and the bill and collection authority was rescinded. XXXX XXXX XXXX provided me with a letter stating I was not responsible for this bill and all negative collection information was to be removed. I provided that letter to Sequium and they acknowledged the account has been rescinded by XXXX XXXX XXXX. I asked when the collection information would be removed and they would not comment on removing the negative information. I made several calls and sent several emails between XX/XX/2021 and XX/XX/2021 but have not gotten a resolution or responses from Sequium stating they would remove the negative information even though XXXX XXXX XXXX ( their client ) clearly says I am not responsible and to have all negative information removed..
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccuracies and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( 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 when the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email fraudulent accounts. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/accounts. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed below. 
Creditor Name : XXXX XXXX XXXX  - Account Number : N/A Creditor Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Creditor Name : XXXX XXXX - Account Number : XXXX Under Federal Law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX has placed my account in collections. However, I am being contacted by Halstead in regards to paying the debt. I had no knowledge of this company besides the emails I started receiving from them. I'm trying to contact XXXX to negotiate the debt. The phone # listed on XXXX 's website routes directly to Halstead and Halstead refuses to give me the contact information to XXXX. I owe XXXX so that's who I would like to communicate with. If XXXX has sold the debt to Halstead the credit reporting is inaccurate and needs to be updated. Something shady is going on with both companies. Halstead is intentionally blocking me from speaking with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found many accounts and inquiries on my credit report that are not mine. I found out today XX/XX/2020 because I was not approved for a car loan so I decided to look into my credit report to find out my I was denied. I did not open any of these accounts and I did not allow anyone to open these accounts using my information. I called the creditors and I was told that these accounts belong to someone named XXXX XXXX ; I don't know who that is or why that person opened those accounts using my information. I did not benefit anything from these accounts nor did I ever make any payments towards these accounts. I filed a police report as soon as I found out about these suspicious accounts.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated 02.28.2025 but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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
Product: Credit reporting or other personal consumer reports

The following account was opened as a result of identity theft and this does not belong to me. This account was opened and used without my verifiable authorization ; incurring late fees. 

Account XXXX Account # XXXX In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Name : XXXX XXXX Account # XXXX Has violated my rights. 15 u.s.c 1681 SECTION 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing the following information items. 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: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes. Particularly because the CFPB lawsuit highlighting issues with the platform. Despite using Zelle many times and reporting discrepancies, Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking the fees was infeasible. The CFPBs findings indicate that Zelle has neglected to protect consumers and has allowed repeated offenders to exploit the system. Leaving us vulnerable to scams.
Product: Credit reporting, credit repair services, 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 ( accounts- # 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 15 U.S.C 1681 section 602 A states i have the right to privacy 15U.S.C 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 then seven years. 15 U.S.C 1681s-2 n ( 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

BELOW ARE FOUR ACCOUNTS THAT ARE REPORTING AS LATE PAYMENTS. THESE ACCOUNTS ARE NOT REPORTING CORRECTLY. I HAVE NEVER PAID THESE ACCOUNTS LATE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and found a lot of information that was incorrect. I called each credit bureau, some things they helped with and some they did not. They advised me to contact the companies about the unauthorized inquiries. I called them, and they had no record of me on file applying for anything. I also sent letters to each bureau regarding this matter, and have gotten no response. At the time some of these inquiries were made, there was a fraud alert currently active on my credit file. I have included the pages from my credit report I received from   XXXX  .
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 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 AND 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
Product: Mortgage

We have been trying to fix our Property Mortgage Insurance payment since XXXX, XXXX with Shellpoint. Shellpoint took over the servicing our loan in XXXX, XXXX and when they did, they increased our Property Mortgage Insurance ( PMI ) monthly payment from our escrow account WITHOUT notice or a new escrow statement. When we finally received our escrow statement, that also had the INCREASED amount. We contacted them several times asking for an explanation of this increase when during all of the 10 years we have been paying down our mortgage, it has ALWAYS decreased. I even went as far as to contact XXXX XXXX to find out what our monthly payment should be. Unfortunately, they could not provide that information since we do not hold the contract with them. The XXXX XXXX rep was able to tell me that our PMI should DECREASE since our amortization schedule decreases unless there is something like a refinance that could change the amortization schedule. We have not refinanced on our home since XXXX nor have we done anything to our mortgage terms that would affect our amortization schedule to cause this change. We filed a complaint with CFPB on XX/XX/XXXX regarding this matter and requesting that we receive a new escrow analysis. The resolution from our prior complaint by Shellpoint was that they dropped the increased amount back down to what we had been paying from XXXX, XXXX - XXXX, XXXX and provided us with a new escrow analysis. HOWEVER, they still have not provided an explanation as to why the payment is NOT reduced for XXXX, XXXX - XXXX, XXXX. We will be paying the EXACT same amount for 2 years now. WHY? We sent an email on XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX ( see file " 1_Shellpoint Escalations Email Attempts ... '' ). The emails also included very detailed attachments ( see files " A_Shellpoint Still Questionable .... '', " B_Shellpoint_Loan_History .... '', " C_Bauer_PMI_Payment .... '', and " D_Shellpoint_Loan_History ... '' ). Shellpoint sent an auto reply acknowledging receipt of all 3 emails but we had not heard anything until we received 2 acknowledgment letters on XX/XX/XXXX and a request for an extension on XX/XX/XXXX ( see file " 2_Shellpoint Automatic reply .... '', " 3_Shellpoint_Mailed_Response_Ackowledgement Letters '' and " 4_USPS informed Delivery Daily Digest .... '' ). Our PMI should decrease like it has since our refinance in XXXX. Our amortization schedule has decreased. Even according to Shellpoints own payment history they have sent to us several times shows that our PMI monthly payment has DECREASED each and every year except for this year from XXXX, XXXX - XXXX, XXXX where we are paying the EXACT same amount that we had paid from XXXX, XXXX - XXXX, XXXX. Shellpoint has acknowledged receipt of our inquiries but they continue to delay with any sort of answer. This is NOT a complicated matter and their is NO reason that the investigation should be taking almost 3 months to figure out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a former complaint with TransunionXXXX through this site. In response they stated that they were going to provide me the documentation and correspondence of all parties and conversation once the CFPB closed the complaint out. I have never received the documentations and it has been over 30 days. Here 's what I'm asking from Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2023 RE : Method of Verification To Whom this May concern : I'm requesting the Method of Verification for the dispute account ( s ) below : Account Name-Account # Bankruptcy XXXX  XXXXdischarged XXXX XXXX XXXX XXXX  XXXX 1 . ) Name of all creditors 2. ) Creditor 's address and telephone number 3. ) Documentation used to verify the disputes.

I'm requesting that you send me this information so that I know that the investigation was in fact conducted properly. If you are unable to respond in a timely manner and/or provide me with the request documentation, please delete the account ( s ) from mt credit report. 

Thanks you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I contacted TransUnion Credit Report Agency about some inquiries that were on my credit report and tried to dispute them because they arent mines. Instead the representative that I spoke with told me that they cant dispute them unless I had a deletion letter from the creditors. I explained to the representative that I shouldnt have to get a letter of deletion if Im disputing the items, and reminded her that the other two major credit bureaus didnt ask me for a letter of deletion when I contacted them about the same issue. She was very adamant that I had to get the letters and send them in or I couldnt dispute the items on my 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 : XX/XX/XXXXAccount Number : XXXX Account Name :XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name :XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXAccount Number : XXXX Account XXXX : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

Collection XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$1600.00} XXXX XXXX XXXX XXXX {$1600.00} Repossession : XXXX XXXX {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed XXXX XXXX XXXX credit card with a {$0.00} balance. 
Account is factually stating incorrectly Account is paid off yet stating as payment status of collection charge off. Both XXXX and XXXX are reporting account paid off with {$0.00} balance with a payment status of charge off. Previously, Equifax reported perfect payments OK as agreed on payment history. after dispute, Equifax removed, partial ok as agree from payment history and replaced it with consecutive charge off. delete last payment with Equifax reports at XX/XX/2016 where payment history is reporting date last payment as XX/XX/XXXX. There is no way that account can be paid off and yet you continue to report the payment status as collection charge off and to delete payment history and replacing with charge off.
Product: Debt collection

No contract with XXXX  No contract with the third party Collection Agency Sunrise Credit Service XXXX XXXX XXXX XXXX XXXX NY XXXX Ph XXXX XXXX XXXX I did not open an account with them ... period
Product: Money transfer, virtual currency, or money service

{$100.00} XXXX  transfer to XXXX XXXX was scam XX/XX/2023 {$500.00} XXXX  transfer to XXXX XXXX XX/XX/2023 {$500.00} XXXX transfer to XXXX XXXX scam on XX/XX/2023 {$450.00} XXXX  to XXXX  scam on XX/XX/2023