23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Reported late payments XX/XX/XXXX and XX/XX/XXXX when this was on autopay as part of payment arrangement. Payment could not have been late All other payments from XX/XX/XXXX through XX/XX/XXXX were fine. It does not make sense
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX the collections account with XXXX XXXX XXXX for XXXX appeared on my credit report. I have disputed this matter multiple time once in XX/XX/XXXX, XX/XX/XXXX, and again XX/XX/XXXX. All times the account came back verified, how can it be verified when the information isnt accurate. Transunion show a date of first delinquency as XX/XX/XXXX but the original creditor XXXX XXXX confirmed the date of first delinquency as XX/XX/XXXX which means my account was re-aged and my rights were violated. Even if you go 180 days from that date you still dont get XX/XX/XXXX. So Im asking that the inaccurate account be deleted from my report.
Product: Credit card

I made two purchases XX/XX/XXXX {$160.00} and XX/XX/XXXX {$140.00} totaling {$300.00}. They sent me my first bill XX/XX/XXXX stating I was past due charging me a {$29.00} fee. They also state a previous balance of {$270.00} which is incorrect, I havent used this card in over XXXX XXXX  prior to this. Stating my balance is {$480.00}, nothing is adding up. They want {$70.00} by XX/XX/XXXX. Im being scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX   : XXXX. There are also a number of inquiries on my credit that I did not approve : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK 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 There are several XXXX however I did authorize only 1 XXXX inquiry.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX and 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within days gives a reason to immediately remove those items from my credit report it had been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

Trellis Company, the debt collector to whom I have been paying my student loans agreed to accept a smaller portion of monthly payment. After the agreement, they were supposed to send my employer a letter so that they could stop taking payment from my check. It has been almost 2 months, and they have not sent the letter. In the past, I informed them that their method and amount they were taking from my pay was too much and was hurting me economically. They argued that I would have to wait for a hearing from a judge in order to make any changes.
Product: Mortgage

XX/XX/XXXX sent correspondence to Freedom inquiring why XXXX taxes not paid. Included tax bill. Received response from Freedom saying they would respond by XX/XX/XXXX XX/XX/XXXX received a response from Freedom saying that they investigated and XXXX taxes not bill was paid on XX/XX/XXXX the amount of {$6400.00} XX/XX/XXXX received message from Freedom that said they received my message on XX/XX/XXXX they would respond by XXXX message was if they paid the taxes on XX/XX/XXXX why did I get an escrow account check dated XX/XX/XXXX in the amount of {$6400.00}. 

XX/XX/XXXX no response from Freedom. Made call to Tax section of Freedom explained all of above. They said they would investigate and get back to me. Not certain of date but about XXXX more weeks. Out of the conversation it seems they had the wrong parcel number. 

Note the original tax bill due in XX/XX/XXXX was {$6200.00}. I should not be responsible for any interest due. My property is now subject to a lien.
Product: Credit reporting or other personal consumer reports

I have contacted Jefferson Capital Systems Collections and the credit bureaus at nauseam, in an attempt to get this account verified or removed from my credit reports, and absolutely nothing has been done. The Account XXXX is XXXX, and it says it's for a collection in the amount of {$1500.00}, and that the account was opened on XX/XX/2023. The date is completely wrong, because I signed up for ZERO new accounts at the time, or even in the vicinity. I do not know what/where/when/who this account is for, and I have asked repeatedly for a copy of the contract via mail, and they refuse to provide me with this information, yet they keep " verifying '' this account when I dispute it without contacting me. This company is lying ; they know this account is fraudulent and they can not verify it, which is why they refuse to send me the documents I am entitled to under law. I am entitled to a copy of the contract they say I owe, which they have listed on my credit reports, but refuse to let me see. I need to receive a copy of this contract that clearly shows I opened this account and owe this money, or I need it removed from my credit report, because it is fraudulent and false, and they refuse to provide me with the information I have requested over and over again. This is against the law, I have the right to obtain the documentation that proves this is mine, and I have not been given what I have requested time and time again. Please remove this from my credit report.
Product: Money transfer, virtual currency, or money service

Hello my name is XXXX XXXX and i recently got scammed bad By someone pretending to have good intentions about a month ago. This lady messaged me and told me that i could make a little money by helping her XXXX some money to different " orphanages '' and her paying through checks so I accepted and she sent these checks over, which ended up going through and showing up on the account. I had been away from my phone for a long while after they went through and i wasn't expecting them to actually go through but when they did i thought the lady was legit. But since i was away she got mad and threatened to take legal action and call the police for " stealing ' " her '' money and not sending some to the " orphanages '' so when the money came in i was already in too deep i thought that she was going to call the cops and get me sued or something because she was threatening me very seriously and the money went through, so I did what she asked and XXXX  out money XXXX $ at a time to different because she made me and i was being threatened, but i never sent out more than she sent me through checks. This went on for a couple of days with her getting more demanding and demanding but there wasnt much i could do because she was threatening to freeze my account and all these things if i didnt listen. In total, i ended up sending out XXXX $ and i had " kept '' XXXX for myself. But one day she stopped talking to me and all of those checks that she sent bounced and they turned out to be fraudulent checks which i didnt know to begin with, and my account went negative. I tried taking it to the fraud department at Bank Of America, but they denied the claim and wont give me my money back. I was wrongfully scammed and taken advantage of and threatened after the fake money was sent my way and she used threats as leverage to get me to send money out and then bounce the checks out so i lose all my money and ive lost it all i need my money back i cant be left with nothing. This started on XX/XX/XXXX and the final check bounced on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

looking to purchase a home and upon reviewing my credit report, I became aware of inaccurate or fraudulent information. I have asked each credit bureau to verify and remove all inquiries and negative reporting items on my report as they do not belong to me.
Product: Credit reporting or other personal consumer reports

Called into Equifax and submitted 2 disputes on a collection account that was fraudulent, I had no idea who it was and does not appear on any other credit report. It apprears with only numbers and no contact information. I called equifax and they stated that it was verified and It was from some " XXXX XXXX '' I reached out to XXXX XXXX and they do not know who I am, Niether by Name or by address. I had called equifax back and they said they had submitted another dispute. After recieving a message the dispute was closed and there was no reason or infomation given I had called back. After arguing with the representative all she kept saying Is it was verfied but was unable to provide me any verification proof. I have never recieved any phone calls or mail regarding anything. This must be fraud and they are not willing to remove it. It is damaging my credit and im not sure what other steps I need to take. How do they verify something with a company that does not have me on record.. Please advise
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my credit report. currently very upset someone is applying under my information I have been a victim of identity theft. i found numerous inquiries on my report that were not done by me. this has been affecting and hurting me as I am now in the process of purchasing a home y on the way Please remove unauthorized inquiries & accounts from my credit report As soon as possible
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 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, Experian '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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card

Dear CFPB I am writing to express my profound disappointment and frustration regarding the recent actions taken by First National Bank of Omaha in relation to my business credit card account. My name is XXXX XXXX, and I am a customer who has always valued the services provided by your institution. However, the recent treatment I have received has left me deeply concerned and dissatisfied. 

On XX/XX/2024 I was informed that my business credit card had been subjected to unwarranted restrictions without any clear justification provided. This sudden imposition of restrictions has severely hindered my ability to conduct essential transactions for my business, causing considerable inconvenience and disruption to my operations. 

What is particularly alarming is the demand for highly sensitive and unnecessary documentation, such as my tax records, purportedly for the purpose of identity verification. As a responsible and legitimate business owner, I have always complied with the necessary verification processes and provided all relevant documentation when opening and maintaining my account. However, the insistence on accessing such private financial records without a valid reason raises serious concerns regarding privacy and discrimination. 

I firmly believe that this unwarranted treatment and demand for excessive documentation constitute a form of discrimination and unjust treatment towards me as a valued customer. It is unacceptable that I am being subjected to such intrusive measures without any reasonable cause or explanation provided. 

I urge you to immediately review the restrictions placed on my business credit card and revoke them without any further delay. Additionally, I request that you cease any further demands for unnecessary documentation and adhere to standard procedures for identity verification that respect customer privacy and rights. 

Furthermore, I expect a prompt and thorough investigation into this matter to ensure that such discriminatory practices are not repeated in the future. As a loyal customer of First National Bank of Omaha, I trust that you will take swift and appropriate action to address this issue and restore my confidence in your institution. 

I anticipate a timely resolution to this matter and request a written response outlining the steps taken to address my concerns. Failure to do so will compel me to explore alternative options and escalate this issue through relevant channels. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

I bought a XXXX washer and dryer set plus a XXXX refrigerator and a stove. The washer stopped working about 3 months ago. I called Conn 's to get it repaired. They sent out a technician to fix the recall but not the washer. The technician stated hat there was no work order to fix the washer but he would but one in. So after a month we called them back to see why they have n't fixed the washer. They said we will have to call XXXX because it 's still under warranty with them but that warranty expired in XX/XX/XXXX. The warranty with Conn 's was valid til XX/XX/2017. About going back and forth with Conn 's they stated hat the washer could not be fixed. XXXX said that we had to fill out paperwork to get our refund for the washer. I did everything that XXXX wanted us to do. Conn 's still want me to pay for the washer that do n't work. They call my house and cellphone all hours of the day and night. Just the other day they called at XXXX. That 's too late for anyone to call about a bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX now updated XX/XX/XXXX ) {$510.00}. XXXX XXXX XXXX XXXX XX/XX/XXXX now updated XX/XX/XXXX ) {$610.00} Comenity XXXX XXXX XX/XX/XXXX now updated XX/XX/XXXX ) {$0.00} XXXX XXXX ( XX/XX/XXXX now updated XX/XX/XXXX ) {$440.00} XXXX XXXX XXXX XXXX ( XX/XX/XXXX now updated XX/XX/XXXX ) {$0.00} XXXX XXXX XXXX XXXX ( XX/XX/XXXX now XXXX XX/XX/XXXX ) {$0.00} And my personal information updated XX/XX/XXXX I contacted all ( XXXX, Equifax, XXXX ) to update my information and a complaint of identity theft as well as an police Report is on file my personal information was breached and misused. And how these agencies verified information with the wrong personal information ( address, name, birthday, No ssn, No work history, as well as the address to these accounts.
Product: Debt collection

Phoenix Recovery group is trying to collect a debt I do not owe them I don't know what this is about but I need some answers immediately they are trying to garnish my wages from my check and I'm going to send documents because they have the wrong person thank you
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

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

I have attempted to contact the companies to inform them that I did not authorize these inquiries, but they did not provide assistance. 

I did not authorize these companies to run my credit, this is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with Social Security Administration is current and not in collections. I make monthly payments and Experian is not reporting my monthly payment and is reporting account as in collections and past due. Please help. Thank you.
Product: Credit reporting

Account # XXXX XXXX XXXX XXXX. & XXXX has incorrectly billed me for over {$2000.00} ; I do n't owe this debt. I have uploaded a copy of the correct billing statement.
Product: Checking or savings account

I received an email on XXXX from a XXXX XXXX from XXXX XXXX  XXXX  inviting me to contact XXXX XXXX XXXX thru XXXX XXXX. I interviewed for the remote position and soon after got the job. I was told all computer equipment would be paid for and they would provide vendors that had great prices. I received a check for XXXX for XXXX. I mobile deposited the check and Wells Fargo put the check in a XXXX pending and 24hrs later posted the check. After the check posted I was told to Wire transfer thru Wells Fargo XXXX XXXX XXXX : Here is the vendor wire transfer information : Bank name : XXXX XXXX XXXX Account Name : XXXX XXXX Account number XXXX Routing number : XXXX XXXX  address : XXXX XXXX XXXX XXXX  XXXX Account holders address : XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX  XXXX XXXX XXXX : - XXXX Then I received a 2ND deposit check for XXXX I mobile deposited this on XXXX and was told XXXX was instantly available. They had me get an XXXX XXXX XXXX ( for computer software ). It went in as pending and posted the next day. I was told to wire again the same person for XXXX on XXXX and also do XXXX XXXX XXXX debits ( these thru XXXX have been returned to me ). On XXXX a 3rd check for XXXX came in. I mobile deposited that, then I received an email from Wells Fargo that the first check was bouncing. I called the bank and asked for the fraud department. They told me all deposits would bounce and this was a fraud case, They set up XXXX claims. The checks did bounce and now My account is in a minus. I received another check for XXXX I took it to the back where I was told this was a bogus check. I started me thinking If the bank knew instantly the deepest check was bogus why didn't XXXX Mobile deposits cameras pick this up.. They didn't flag the deposits or put them in pending for a few days. I have been with Wells Fargo for 20-25 years, I know pending checks and then finally posting deposits. 
I find Wells Fargo complicent in this. We use a bank to have protection not to waive responsibility which they have done on XXXX occasions. We have filed with Attorney General Office in Pennsylvania, they reached out to Wells Fargo to deal with this. I have a case manager in XXXX, I hope to connect with him next week. I filed with FTC and FDIC and the police in XXXX.
Product: Checking or savings account

My name is XXXX XXXX and I'm trying to close my account again with MoneyLion that someone reopened using my information and already linked a Bank account to it and I have contact customer support and talked to them about it and they won't do anything about it and I believe someone is trying to take over my account and nothing is getting done about it and I even asked customer support to lock my card that i never received and if they could lock my account because I feel like my account is hacked and i feel like customer support don't wan na help resolve it
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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Student loan

Navient/Dept of Ed/XXXX and others have all lost all my student loan documents as original instrument of debt in it 's original form, and have repeated told me this in writing many times. They also can not verify any of the interest they have been charging me on these loans from XXXX ( both XXXX and XXXX ) is even accurate, with the exception of one XXXX loan which was for {$4000.00}. The interest is now over {$280000.00} on these loans and I can not get any information about them, since the loans are now too old and they have lost all the original information. In addition, many of my XXXX Loans which are included in this consolidation have been in a lawsuit for fradulant activities. I have since received a settlement from the Massachusetts Attorney General 's office for fraudulent activities on my XXXX loans, but Navient/Dept of Ed or XXXX do not care that there were any fraudulent activities, nor do they care that they have lost all this original documentation, and refuse to give me any exact accounting of the interest they have since applied to this loans. They refuse to even consider that there is any error here. XXXX