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

This credit bureau regardless of the information provided refuses to properly update my credit file. I do not know why or how the CFPB allows them to continue to violate the FCRA and does not enforce any standards against this company. 

XXXX XX/XX/2023 they yet again will not delete false unverified information from my file. The source they list has provided me and them with documentation that the item on my file is not verified but yet they continue to lie and state it is verified and accurate.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX  XXXX Balance Owed : {$580.00} ; XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXX Balance Owed : {$530.00} ; XXXX  XXXX Balance Owed : {$350.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$310.00} ; XXXX  XXXX Balance Owed : {$380.00}.
Product: Checking or savings account

I opened a checking account with Truist bank on XX/XX/year> with cash. I go into the branch a few days later and they tell me that I can not take any money out because my account is closed. I called the number to support and no one could tell me why my account is closed. I received a email about my chime account I tried to link to this bank account and it stated that the transaction could not be processed due to my card being off so they will remove the additional account from XXXX  in the app. I figured that was the issue and called today XX/XX/year> and they tell me again that its closed but gave me the number to fraud. I called that department and the lady said she can't tell me why.
Product: Credit reporting or other personal consumer reports

I have opted out of having my personal non-public information being shared with unauthorized third parties and yet my information is still being shared. My CFPB complaint number is XXXX.
Product: Credit card

I used my Bank of America ( BOA ) credit card to make a transaction on two products on XXXX on XX/XX/XXXX. However one of the product was received not as described in terms of color, pattern and quality. The amount for the product was {$260.00}. I followed XXXX 's instruction and returned the good on XX/XX/XXXX for a refund. I paid for the shipping {$150.00} as XXXX team said they will reimburse me after the product is delivered. But the seller refused to pay the custom tax, which caused the product being stuck at XXXX custom for about XXXX months, and the seller has been ignoring my messages since then- they are avoiding the product to be delivered to them. 
Now the product is on the way back to me, and I still did not receive it, it has been XXXX months since I initiated the return, really exhausting by contacting seller, XXXX and my bank. In order to protect my consumer rights and my money, I submitted a claim to BOA to hope get the money back from bank because the item was not as described, which should be a valid reason as I did not get what I was purchasing for. On the other hand, I attempted to return it even though it wasn't successful due to seller themselves. However, BOA rejected my claim ( on the phone ) by saying that the product was not actually delivered back to seller even though I explained in my dispute letter and provided evidences how the seller was the one refusing to receive the product. 
I am hopeless right now, I thought my bank at least could help me protect my money in such cases which the seller was tricking the system. Now the seller/Aliexpress is not refunding me anything and not reimbursing me anything. I've lost {$400.00} in total and I lost the product as well. The way how BOA was handling their customer 's dispute was not professional, they should help their customer secure their money.
Product: Mortgage

Wells Fargo filed a complaint against my FHA mortgage with out reviewing me for a loan modification. I contacted Wells Fargo in XXXX 2015 and XXXX 2015 for assistance. However, they denied me saying there was not a sufficient change in my circumstances to warrant a review. This is not true because I was temporarily laid off and then got rehired and now make more money. Wells Fargo sold my home and bought it for {$20000.00} and then left me with a deficiency of {$80000.00}
Product: Debt collection

I went to XXXX for my XXXX XXXX on XXXX my insurance at the time was XXXX XXXX XXXX XXXX I paid my copayment of {$40.00}. 

I was sent a total of {$880.00} for reimbursement that went to their overpayment recovery department for me to pay back XXXX. 

I was told XXXX I had to repay due to incorrect billing. The Dr 's office and then a collection agent refused to submit correct billing.I have disputed this debt since day 1. 

I was contacted by a XXXX and said the debt was incorrect as they showed me being reimbursed for {$1100.00} which I never was the patient statement they sent and patient demographics report both had incorrect information amounts received and insurance at time of service. 

I explained that the debt was incorrect and asked help in resolving the matter as XXXX said they would be reimbursed more than the XXXX that I had refunded backWhat happened after was a series of harassing and attempts to intimidate phone call by a XXXX specifically on XXXX. 

The letter dated XXXX/XXXX/15 is a complete and fraudulent statement that " there has been no response in regards to payment ''. The polar opposite has occurred and I find the actions of Williams, Alexander and associates to be deceptive and illegal.
Product: Debt collection

Information is incorrect and currently reporting incorrect on credit report. According to Florida statue 83.48, I am not responsible for the attorney fees due to eviction case being dismissed and no judgement amount was set. Also, the fees being charged were supposed to be collected before move in so I would like proof that those fees were not collected. As for water, I would also like an itemized statement for usage of water. While this information is being updated, I think its very important to remove from my credit report until the balance is properly updated.
Product: Credit reporting or other personal consumer reports

I'm writing to impart my uneasiness concerning the challenged records on my credit report. On various events, I have raised the issue of slip-ups in these records, and have dependably referenced that they be totally explored. Disregarding my undertakings, I as of now just can't get any objective or helpful action. These mixed up records are truly hurting my credit report and forestalling my ability to continue with a commonplace life. The unfriendly outcomes of these errors have caused huge challenges for me, and I'm left with no choice aside from to contend for your assistance with changing what's going on rapidly. I liberally request that you lead a cautious assessment concerning the specifying of all of these challenged records. It is fundamental that the fundamental advances are taken to revive and address my credit report right away. With your help, I want to restore the precision and uprightness of my credit archive so I could recuperate control over my financial thriving. I really request that you offer this matter your most outrageous thought and take a fast action. Your joint effort and moving in settling this issue expediently would be gigantically significant. Much gratitude to you early on for your perception and help.
Product: Mortgage

I FILED FOR BANKRUPTCY CHAPTER XXXX BACK IN XXXX. I WAS BEHIND IN MORTGAGE PAYMENT FROM XXXX. I WENT THROUGH A TRUSTEE TO MAKE PAYMENTS BUT CONTINUE FROM THAT POINT ON TO MAKE ON TIME PAYMENTS TO OCWEN MY MORTGAGE HOLDER. IN XX/XX/XXXX I STARTED GETTING LETTERS FROM OCWEN FOR DIFFERENT PAYMENT AMOUNTS. I TRIED CALLING BUT BECAUSE I WAS IN BANKRUPTCY THEY COULD NOT SPEAK TO ME. MY BANKRUPTCY WAS DISCHARGED IN XX/XX/XXXX. I GOT 8 DIFFERENT LETTERS FROM OCWEN IN XXXX AND XX/XX/XXXX I TRIED CALLING TO CLARIFY NOW MUCH I SHOULD PAY AND THEY STATED THEY COULD NOT TELL ME BECAUSE THEY HAVE NOT RECEIVED BANKRUPTCY DISCHARGE NOTICE. SO IN XXXX I PAID THE SAME AMOUNT AS I DID FOR THE PAST 7 YEARS. I HAD NO FURTHER CONTACT WITH THEM AND I PAID VIA PHONE AND I PAID AMOUNT OWED AS STATED BY THEIR COMPANY. I FIND OUT IN XXXX OF THIS YEAR WHEN I WENT TO REFINANCE THE HOUSE THEY REPORTED ME AS LATE FOR XXXX FOR XXXX STATING I DIDN'T PAY THE POST PETITION AMOUNT. I CALLED THEM ABOUT THIS AND ONE REPRESENTATIVE STATED I MISSED PAYMENT IN XXXX. THEY REFUSED TO REMOVE THIS PAYMENT FROM MY CREDIT REPORT AND I HAVE ALL RECEIPTS OF PAYMENT FOR THE ENTIRE YEAR OF XXXX AS BEING ON TIME. I WOULD LIKE THIS REMOVED IMMEDIATELY AND THE ACTIONS OF OCWEN ARE UNJUST UNFAIR AND VIOLET FEDERAL GUIDELINES.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days ( about 4 and a half weeks ) and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished in my consumer report as they are in VIOLATION!!! 

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN General to subsection ( c ) any consumer reporting agency may furnish a consumer report ur following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency PERMISSION to report anything on my consumer report which violates my rights as a federal consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!
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 consumers rights to privacy under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has violated my Rights ...... 

15 U.S.C 1681 section 602 A. States I have 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 report containing any of the following items of information any other adverse item of info other than records of convictions of crimes which antedates the report by More than XXXX  years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any info relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the info is inaccurate
Product: Debt collection

I am a victim of human trafficking. I found out that I had a XXXX XXXX  now with XXXX XXXX XXXX. The XXXX of Minnesota XXXX XXXXXXXX XXXX XXXX paid this debt because I am in emergency housing with them. We have been trying to get it off XXXX and XXXX but they are not following the law. I sent them my victim determination letter and proof the debt was paid and asked them to remove it from my credit report. Im not sure if the lady I talked to was actually telling the truth because she said in 60 days they will remove it. But she said that before I even got the email to send the documents to XXXX XXXX. This being on my credit report is causing me to be denied housing and I have never owed a landlord or apartment previously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paided the things on my credit report and I did a dispute for them and it shows that they are paired in full but they still want remove them off my credit report
Product: Credit card or prepaid card

I received 2 gift cards from Macys for items that were returned. Both cards had the amount of {$170.00}. The cards were issued in XX/XX/20 at XXXX. I tried using the cards and the cards had a XXXX   balance. I contacted customer service and they tell me that I used the cards already. This is not true
Product: Credit reporting or other personal consumer reports

I recently pulled my XXXX credit report and noticed that it was accessed without a permissible purpose. I tried contacting the company to see why, but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/XXXX I sent a letter to Experian requesting that my personal information ( addresses, employers, phone numbers, social security number, and date of birth ) be updated or deleted on my consumer report. I provided them with what should be updated/deleted and exactly how the section should appear with the correct information provided. After no action was taken, I submitted another letter on XX/XX/XXXX reiterating my request to have my information corrected. To this day, no action has been taken by Experian and my information remains incorrect.
Product: Mortgage

In XXXX of XXXX  I refinanced my home with XXXX XXXX. 
The amt is XXXX with a monthly payment of XXXX for 10 years. 
About a month ago i realized that there were no payments being taken out of my investment banking account. I contacted american financing and they sold the loan to nationstar in texas. I contacted nationstar mortgage, which is mr. cooper loan comp, only to find out that all the letters pertaining to the transfer and payments they sent to me were returned to nationstar. 
I learned also in that phone call nationstar put my home into foreclosure > I was shocked as i have excellent credit, I definitely have enough money to cover payments, My home is worth XXXX XXXX plus and i was never contacted by either company about a foreclosure. I learned that nationstar had the wrong address for me, they never had a phone number or e-mail on file for me, and therfore simply said we can reinstate the loan if you pay all the previous months payments, which i will gladly do but my credit score is compromised and i have to pay XXXX in forclosure fees. 
Wanted to know if a compaany can just forclose on a loan like this without even contacting me. I found out that american financing also had my physical and mailing addresses, which are not the same mixed up. I find it odd that they could potentially get XXXX XXXX from my home just because they did not even try to get an e-mail or phone nu for me. thank you
Product: Credit card or prepaid card

www.selflender.com.. They will not refund my money and they keep charging my bank after i closed the account and refuse to pay me my money paid onto the credit rebuilder program. I need the money asap.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXXccount number : XXXX Account name : XXXX Account number : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S code 1681c.2 consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt.

It has been 30 days and you are in violation of this law because I am a victim of identity theft. Please delete theses items as soon as possible. 

These accounts can not be furnished on my consumer report as they are in violation!!! Under, 15 U.S code 168 lb permissible purposes of consumer reports ( a ) IN General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances an no other ( 2 ) in accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. As a consumer I am demanding the deletion of the accounts listed immediately.
Product: Credit reporting or other personal consumer reports

This is my fourth formal attempt to resolve a fraudulent Military Star account reported by the XXXX XXXX XXXX XXXX Military Star / AAFES. I never opened or authorized this account, and I submitted an FTC Identity Theft Report, along with supporting documentation, to dispute it and request a fraud block under the Fair Credit Reporting Act ( XXXX  ), XXXX XXXX. XXXX. 

Despite properly submitting the required documentation : My fraud block request was denied The account was reinserted after a previous deletion without any 5-day written notice, violating FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) The account was : Deleted on XX/XX/2025 following my dispute Reinserted without notice by XX/XX/2025, showing a balance of {$5700.00} and marked as a collection account This reinsertion is unlawful and mirrors the conduct that led to the CFPBs {$15.00} million enforcement action against XXXX  and its current lawsuit against XXXX  for XXXX reinsertions and failed dispute processes. 

The continued reporting of this fraudulent account is : Preventing me from closing on a home Threatening my federal security clearance Causing financial and emotional harm Ive attached proof showing both the deletion and reinsertion, my FTC Identity Theft Report, and my formal notice to Experian detailing the FCRA violations.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered several instances of late payments reported on an account for which I have consistently maintained timely payments. Consumer Reporting Agencies are responsible for accurately reporting consumer information, and it is imperative that this information is reported with the utmost accuracy. 

Specifically, I have noticed discrepancies regarding late payments on my XXXX XXXX XXXX XXXX account number XXXX. I have never missed a payment on this account and have always met my payment obligations on time. 

I am requesting a thorough investigation into these discrepancies. Please provide evidence, such as statements or payment records, demonstrating the lateness of these payments. If you are unable to furnish such proof, I demand that these reported late payments be promptly corrected to reflect their true status as on-time payments. 

It is essential that my credit report accurately reflects my payment history, and I urge you to address this matter as soon as possible. 

Thank you for your prompt attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1666b - Timing of 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.

15US Code 6802B I have contacted the creditor asking Them to remove this late payment They violated my consumer law because they never gave me the option to opt out from reporting my information to a 3rd party I never received a letter and would request late payment be removed XXXX XXXX Last payment XXXX Account number XXXX
Product: Money transfer, virtual currency, or money service

There was a fraudulent activity made on XX/XX/2021 with my PayPal Key. However, PayPal keep declining my claims about the fraud charge. 

Firstly, When I first found the fraud activities, I immediately deleted the compromised PayPal Key. However, the transaction still went through. Then for some reason, the transaction got split into 2 charges. So I filed 2 claims against those 2 fraud charges. The first one got approved, but the second one got denied. Since those two charges were coming from the same transaction, there should be no reason for PayPal to deny the second claim. I appealed the decision of the second case but my appeal was denied again. 

Secondly, the default payment card in my PayPal Key was linked to one of my credit card. However PayPal charged my checking account which I never authorize them to do so!!
Product: Credit reporting or other personal consumer reports

I am writing to express serious concerns about several issues I have encountered with the credit bureau. These include false account listings, numerous unauthorized inquiries, inaccurate credit reporting, inconsistent billing, and accounts that do not belong to me. 

I kindly request your assistance in resolving these issues to safeguard my financial well-being. Please thoroughly investigate my case and advise me on the appropriate next steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a look at my consumer report which caused severe XXXX and XXXX. According to the Fair Credit Reporting act XXXX, XXXX and EQUIFAX are violating my rights as a federally protected consumer. 
-15 USC 1681 ( a ) ( 4 ) : states that I have a right to privacy -15 USC 1681b ( 2 ) : states that a consumer reporting agency may not furnish an account without my written or oral instruction.

-15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercises their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy. 
Here are the errors as follows : XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I call company that told nothing and now I no for my self that my XXXX XXXXXXXX XXXXs behind all this her name is XXXX XXXX
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 biolated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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