23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Me and my partner open the joint account at truest bank. Try to open a savings account on their website and it popped up as potential fraud. Because I did not fund it with {$50.00} at that moment the next day they closed. Our account and our deposits were being sent to her and they bounced back to the bank 's they were coming from like social security or a payday. Going to the account so the camp was closed and it did not accept me so that missed up our income up also on the invoice that they sent us. XXXX of the deposits wasn't even on it and it's the only invoice. That would appear because there's only XXXX weeks that it was open. I called I went up there XXXX or 4 times they wouldn't give me money for XXXX weeks. I called the file department I called what the problem department. Told me to call and I think it could tell me was that there could have been something on a reporting app. They use are that someone made a frozen transaction are a red flag transaction that they closed the account and causes a lot of problems. They didn't even put on the invoice. A {$700.00} deposit and we did not spend any of that like it was deposited and 3 days later. They closed the camp so that's my problem with truest bank, in XXXX XXXX nc XXXX. Triist # XXXX. On the invoice that takes semester of the statement I said. Deposits was {$710.00} so it's missing a {$600.00} deposit. It closed out of exactly XXXX 's and that's was the next before they. Ever? Even give me a XXXX. And {$18.00} when I deposited over a {$1000.00}? In XXXX weeks time I have the XXXX only statement. I'm gon na take a picture and send it as a file.
Product: Mortgage

My name is XXXX XXXX, on XX/XX/XXXX I submitted CFBP complaint ID XXXX for an unauthorized payment made by Wells Fargo Mortgage to XXXX XXXX XXXX on XX/XX/XXXX for a balance that had been paid in full two months prior in XX/XX/XXXX based on out of date information. Since the initial complaint Wells Fargo has postponed the resolution date twice and I just received another notice indicating the resolution date is being extended again until XX/XX/XXXX. I feel this is a completely unnecessary delay for such a simple matter. I have already provided the documentation that verifies the payment was made in full two months prior to their payment and the associated account has been current since the payment in XX/XX/XXXX was made. When I spoke to the Wells Fargo case manager she had indicated that an investigation had been done and the findings were that the balance on the account was still outstanding at the time of their payment which has been documented and confirmed not true. Can we please have the issue resolved and have them facilitate the refund of their funds from my account as soon as possible without any Duty to myself.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information currently reported on my credit report. After thoroughly reviewing my credit history, I have found that all the reported data is inaccurate. I request that you delete these inaccuracies immediately. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or incomplete information in my credit report. The FCRA mandates that credit reporting agencies investigate disputed information, typically within 30 days, and remove any information found to be incorrect. Additionally, the Fair Debt Collection Practices Act ( FDCPA ) protects me from any deceptive practices or misrepresentation by debt collectors. 


I request that the erroneous information be corrected and that an updated copy of my credit report be sent to me. Thank you for addressing this matter promptly, as required by law.
Product: Mortgage

My mortgage company did a loan modification for me. During the 3 month trial period, they reported me as late for all 3 months. ( XX/XX/2016,XX/XX/2016,XX/XX/2016 ). I noticed the discepency XX/XX/2016 and immediately called the company to ask for a credit repair which they assured me they would get started on. This has still not been done- 4 months later. Ive left several messages with my contact and their manager since XX/XX/XXXX and they always promise itll show up on the next month. They now wont call me back at all since XX/XX/XXXX. I was in escrow to buy another house when this all came about and I have since had to back out of the purchase and lost the opportunity. I went to see my lawyer and he suggested I contact CFPB. He was outraged that this company was able to just ignore me and drop their heels they way they have.
Product: Debt collection

I have been paying on an old installment loan debt that was with XXXX. After falling behind on payments the debt was supposedly purchased by XXXX XXXX XXXX in 2012. I have paid roughly {$10000.00} of a {$17000.00} debt. However I have repeatedly asked for statements which this company refuses to comply with. I have asked for a copy of the original agreement which I have never received. The company threatened to sue me if I did not set up automatic payments of {$150.00} every other week corresponding with my pay days. They set them up on a debit card but if the debit card does not go through they send it through as a check the following week which can result in a returned check fee if the money is not available. I do not believe I ever agreed to this and do not have a copy of the original agreement. The payment arrangement was set up over the phone in 2012.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice called " credit alert, '' that Lending Tree put in for a credit statement which lowers my credit score already damaged by my medical bills I have now. 
I had an accident and waiting for payments from the insurance company but now deluged with ads for credit. XXXX XXXX asked me to apply for a credit card and then deluging me with credit information on my scores. 
I never put in for a credit application with Lending Tree and should not be punished lowering my score. 
Why is Lending Tree checking my credit score when I never asked for them? 

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

ON XX/XX/XXXX I WENT TO XXXX AND XX/XX/XXXX I WENT TO XXXX TO LOOK AT CARS. I NOW HAVE XXXX HARD INQUIRIES ON MY CREDIT REPORT. 
I HAVE BEEN TOLD BY THE CFPB THAT RELATED INQUIRIES MADE WITHIN 14 DAYS WILL COUNT AS XXXX INQUIRIES. THIS SHOULD MEAN THAT I SHOULD HAVE XXXX INQUIRIES, NOT XXXX.. THAT IS NOW LISTED ON MY CREDIT REPORTS. THIS IS UNACCEPTABLE AND PREVENTING ME FROM GETTING MY PRE-APPROVED HOME LOAN APPROVED. I HAVE A VERY LIMITED AMOUNT OF TIME TO HAVE THIS CORRECTED TO PREVENT LOSING MY HOME. 
I WOULD APPRECIATE YOUR PROMPT ATTENTION TO THIS MATTER.
Product: Credit card

I made a of payment of {$490.00} on the XXXX of XXXX, they took out the money that day it posted on Monday but then they returned later that day. After telling me the funds would be available the XXXX of XXXX. On the XXXX thats when the money was due and I paid on time now theyre saying that I did not pay on time.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Equifax XXXX XXXX due to their failure to accurately report my credit information, which has severely impacted my life for the past two years. 

I am devastated by the ongoing struggle with both Equifax and XXXX  to correct inaccuracies on my credit report. This situation has profoundly harmed my life, preventing me from obtaining employment due to a lower credit score than I deserve. The inaccurate reporting is not only misleading but also fraudulent, misrepresenting my overall financial health. 

Despite numerous dispute letters and formal requests for correction, Equifax continues to report incorrect information. This has led to embarrassing situations, such as receiving debt collection letters that my mailman can see, all stemming from the mishandling of my information by credit reporting agencies. These agencies are not adhering to the standards required by law, and I feel helpless. 

Specific Issues : - Equifax XXXX XXXX continues to report inaccurate information despite my repeated disputes. 
- Equifax XXXX XXXX has not provided the names, dates, or contact details of individuals they spoke with during their investigations. 
- Outdated and incorrect personal information remains on my report. 
- Equifax and XXXX is violating my privacy by reporting this information without my written consent as per 15 U.S.C. 1681b. 

Supporting Documents : I have attached multiple dispute letters and affidavits sent to Equifax and XXXX, detailing my issues.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX HAVE STATED I OWE MONEY. I HAVE NO KNOWLEDGE OF THIS COMPANY. THEY HAVE REFUSED TO SUBMIT APPROPRIATE DOCUMENTS WITH MY SIGNATURE. THIS COMPANY HAS CLOSED ACCOUNT AND SHOULD NOT BE ON MY CREDIT FILES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate
, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
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. 

XXXX XXXX in the amount of {$1400.00}, has violated my rights. XXXX XXXX in the amount of {$0.00} has violated my rights. XXXX XXXX XXXX XXXX in the amount of {$3800.00} has violated my rights. XXXX XXXX XXXX XXXX in the amount of {$800.00} has violated my rights. XXXX XXXX XXXX XXXX in the amount of {$810.00} 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 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

My debt to income ratio is grossly incorrect. Most of the debt is mortgage debt and does n't account for rental income. With rental income included, my debt to income ratio should improve dramatically.
Product: Student loan

I recently completed a year of service with  XXXX  and thus was awarded the {$5700.00 } Education Awar d. I used this money to pay toward s my Federal Student Loans through Navient. I s ubmitted the payment request, as instructed by  XXXX , through the " My  XXXX  '' portal. I made the following payment requests between  XXXX   XXXX   XXXX   XXXX ,   XXXX   : {$950.00} to be paid towards loan number  XXXX  {$2200.00} to be paid towards loan number  XXXX  {$190.00} to be paid towards loan number  XXXX  {$2300.00} to be paid towards loan number  XXXX  I made the payments in the way so that loans  XXXX  and  XXXX  would be paid in full. Both of these loans had interest rates of 6.55 % while the other  4 loan s throug h Navient had interest rates between 3.15 % -4.41 %.   By paying loan  XXXX  and  XXXX  I would have lowered my monthly payment and lowered the amount of interest accrued on my loans. This would have allowed me to pay less interested and pay off my loans in a shorter time frame.     Howev er, Navient did not follow my instructions and rather evenly split the {$5700.00} between the 6 loans. This means that none of the loans were fully paid off and I am therefore still accruing interest across all 6. I submitted a complaint with Navient o n  XXXX   XXXX ,   XXXX   and again on  XXXX   XXXX ,   XXXX  . Between this time I have also tried to call customer service multiple times. I have never received a response and when I have tried to call I was transferred to multiple customer service representatives and ultimately placed on hold for hours without ever receiving any actual assistance or information.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a XXXX payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : I made the required payment on time, as reflected by my bank statement. I have attached a copy of my bank statement, showing the payment was made before the due date, yet it was incorrectly marked late.

No Late Payment Notice : I never received a notification or statement indicating a late payment or any penalty associated with a late fee. This suggests that the payment was not considered late by the creditor at the time.

Processing Delay on Creditors End : The payment delay resulted from a processing error on the creditor 's end, which should not reflect poorly on my credit history. The payment was processed late through no fault of my own. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received a payment of {$75.00} on PayPal. The person sent it XXXX and XXXX on accident and PayPal suspended my account temporarily. I submitted all the requested information. As soon as I submitted it I received two emails at the exact same time. one say they were reviewing the info and the other say they permanently were suspending my account the email said due to customer complaints but I was told there were no disputes on my account. They refuse to release any money, unfreeze the account, or give a reason it is suspended.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is prohibiting me from submitting my disputes online and that is my right to do so. This is illegal. I am demanding to have access to submit my disputes online to remove the fraudulent info on my credit report. The following accounts are fraudulent : 1.XXXX - # XXXX 2. XXXX XXXX XXXX XXXX -- # XXXX 3. XXXX XXXX XXXX  -- - # XXXX 4. XXXX XXXX XXXX -- - # XXXX 5. XXXX XXXX -- - # XXXX  and XXXX 6. XXXX XXXX XXXX -- # XXXX 7. XXXX -- # XXXX 8. XXXX XXXX XXXX - # XXXX and # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis Had False/erroneous information showing on my consumer report which is harming me and my credit score I reached out to them with a letter they did not respond at all. I sent them a non-response letter, they did not respond. I submitted a complaint with the CFPB they still did not respond in 30 days.
Product: Credit reporting or other personal consumer reports

I am requesting an investigation into certain accounts and inquiries on my credit report that may violate federal consumer protection laws. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information in my file. Accounts can not be reported without proper authorization, and outdated negative information must be removed. Additionally, data furnishers are required to ensure all reported details are correct. If the disputed items can not be fully verified with supporting documentation, they should be deleted immediately. Please review these inaccuracies and provide written confirmation of your findings and any corrective actions taken.
Product: Debt collection

I filed online dispute XX/XX/XXXX. Contacted XXXX with certified mail included documentation that was signed for XX/XX/XXXX by someone at company. Requested validation of debt in letter XX/XX/XXXX. No contract with this company must remove debt from credit file ASAP!
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 XXXX XXXX  Account : Account Number : XXXX Account Name : XXXX XXXX XXXX Account : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 am a victim of identity theft and XXXX XXXX XXXX  XXXX is a fraudulent account reporting to my credit. I have attached an FTC report along with utility bill, SSN card and drivers license.

Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX  XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations.

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX  XXXX is falsely publicizing an account addressed to me on XXXX, Equifax & XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX XXXX has published my information publicly on Equifax, XXXX & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 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. XXXX XXXX XXXX  XXXX has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX  XXXX Right. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX  XXXX has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these 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 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 If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research account I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Credit reporting or other personal consumer reports

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


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the payments were made on the account, the payment history is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.