23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This was a company account with a XXXX balance. After my husbands health made it impossible for him to consult any longer, I called in XX/XX/2020 to cancel the account. In XX/XX/2020 I received a bill with a {$25.00} membership fee and in XXXX another bill with a {$75.00} membership fee. I called after both statements and asked again to have the account closed and the fees removed. I was told then the note from XXXX was on the file, but not taken care of. In XXXX same thing. I called again and was transferred to supervisor who assured me it would all be taken care of. In XXXX same thing. I was told it would be taken care of and I should wait for the XXXX statement. When it arrived some of the late fees and interest had been removed, but new fees had been added and the membership fees were still on the account. On XX/XX/XXXX I called again and was passed through four different people. I was also told the notes from XXXX to XXXX were no longer in the file. Finally another supervisor said she would take care of it and call me back. Today I received a call again about the back bill I owed. I explained again and also made them aware that I was filing this complaint. I have been told again this will be corrected, but have no faith it will be. My husband died in XX/XX/2020 and I am undergoing medical treatment for XXXX XXXX. This is very difficult for me. Thank you for any assistance you can give me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus are reporting inaccurate information on my report of a bankruptcy that should not be reporting. I have tried disputing this information for almost one year and they don't seem to care or want to take it off. I contacted the Bankruptcy court and they have not reported anything to the bureaus and said third party companies maybe reporting inaccurate information.
Product: Student loan

I requested a refund from my loan provider, Nelnet, around XXXX XXXX  XXXX for the payments I made during the pandemic ( which totaled to about {$9000.00} ). I checked my account in XX/XX/XXXX and the balance on my loans was back to the original amount from before the pandemic. I called Nelnet around XXXX XXXX  XXXX and was told that the refund was still processing and would take a long time to receive the check. I called again in XX/XX/XXXX and they told me I was misinformed before and that my check was actually issued in XX/XX/XXXX. So they said they would reissue the refund check, but couldn't tell me how long I'd be waiting before receiving anything. It has been almost a year since requesting and I'm getting different stories from them. I'm not sure where my money is or if they've actually issued the refund, but this has been extremely frustrating and disappointing.
Product: Credit reporting or other personal consumer reports

Someone charged on my Discover card ( no frozen ). I never knew the charge existed. Meanwhile, I was charged late fees and interest. I DID speak with Discover and they reversed all charges and now have a credit on the account. It is in great standing. XXXX would not change it in the report.
Product: Student loan

Fed Loan Servicing added loans to my account for years I did not have a loan. I did not receive ANY loans while attending the University of XXXX from XXXX XXXX. Lastly I started the school at the end of the year which makes them look even more guilty cause XXXX loans would not be possible. Secondly I only used a loan for XXXX XXXX because I used my GI Bill and XXXX  veterans benefits during XXXX. Please make them remove these 2 fraudulent loans from my account. They did this because they thought Trump would pay for them because I am a XXXX veteran. Those 2 probably belong to an employee in XXXX or someone accepting bribes. Please have them remove those fake fraudulent XXXX loans from my account
Product: Credit reporting or other personal consumer reports

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.
Product: Debt collection

I am deeply dissatisfied with your failure to correct and remove inaccurate, incomplete, or unverifiable information from my credit report despite numerous requests and evidence provided. I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the CFPB. This negligence directly violates my consumer rights and calls into question your bureau 's integrity. 
I demand immediate action to rectify this situation and ensure that my credit report reflects accurate and verifiable information. The following accounts are reporting inaccurately and must be deleted promptly : 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  XX/XX/year> Furthermore, the reported bankruptcy ( Bankruptcy Chapter XXXX XXXX Reference : XXXX ) is inaccurate, as no case was tried or seen, and no judgment was made. Please remove this account immediately.
Product: Credit reporting or other personal consumer reports

am a XXXX XXXX XXXX The information listed below, which appears on my Transunion credit report, is the result of that XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL THE ACCOUNTS THAT ARE LISTED ARE FRAUD I SENT FTC REPORT AND ALL MY DOCUMENTATION AND STILL THEY HAVE NOT REMOVED. THIS WAS IN EARLY XXXX AND THEY STILL HAVE NOT REMOVED THEM. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Product: Credit reporting or other personal consumer reports

I am disputing account listed under the name XXXX XXXX XXXX on my consumer reports. This dispute pertains to an account which I have no knowledge of, nor have I ever held a card or any form of credit with this entity. My prior disputes with XXXX, TransUnion, and XXXX have failed to resolve this matter, and I am now seeking your assistance under relevant consumer protection laws. 
I have no knowledge of any account with XXXX XXXX XXXX and have never applied for or used any such credit. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. I have repeatedly requested verification of this account, including a signed contract or application, and have received no such evidence. The absence of any verification documentation strongly suggests that this account is erron

eous and should be deleted immediately. Under the FCRA, 15 U.S.C. 1681i ( a ) ( 6 ), the consumer reporting agencies are obligated to provide the results of its reinvestigation within 30 days. Despite my multiple requests, all 3 has failed to provide detailed results of their reinvestigation process or any documentation supporting the legitimacy of this account. This non-compliance is a violation of federal law and further substantiates my claim that the account is not valid. 


The account in question is reported as charged off since 2018. According to the Truth in Lending Act ( TILA ), specifically under 15 U.S.C. 1666i, charged-off accounts should not continue to report new late payments on a monthly basis. The continuous reporting of late payments on a charged-off account is incorrect and misleading, thus violating my consumer rights. 

As a victim of the XXXX data breach, my personal information has been compromised, placing me at heightened risk for identity theft and fraudulent activity. This breach underscores the necessity for XXXX and also XXXX and TransUnion to handle my dispute with utmost diligence and accuracy. 
Given these violations and the impact on my creditworthiness, I demand the immediate deletion of the disputed JPMCB Card Services account from my XXXX, XXXX, and TransUnion consumer report. I also request a comprehensive report detailing the procedures followed during the reinvestigations, as mandated by the FCRA. 
I expect a thorough and timely response, with evidence supporting any information that XXXX, XXXX, and TransUnion intends to retain on my report. Failure to rectify this issue promptly will leave me with no choice but to escalate the matter through legal avenues and regulatory complaints.
Product: Credit card or prepaid card

There are two accounts open in my name that i did not authorize these companies to open are ask to extend any kind of credit in my name. These accounts were open fraudulently. The first account is with XXXX  /Cbna XXXX I have tried to call this company four times and i can not speak to anyone. I have also tried calling Citibank Cbna and they keep telling me to look for the company online. The second company is XXXX XXXX XXXX. I am unable to get in touch with anyone from this bank.
Product: Debt collection

Paragon Collection Agency from North Carolina reported me to experian without ever contacting me. 

XXXX said the date was XX/XX/2021 I received a text on my XXXX Credit Card site about this My credit rating went from XXXX to XXXX
Product: Credit card or prepaid card

A fraudulent charge of {$230.00} was made on my credit card on XX/XX/XXXX. I reported this charge to the credit card company on the same day it was made. 
I did not have any idea what it was for, and assumed the charge was handled. I was not advised to watch out for merchandise delivered to me and was traveling at the time. When I returned home, as I went through my mail and packages, I opened a large envelope and six bottles of a male enhancement spilled out. I had not ordered this product and I threw it away as it was unsolicited. The credit card company says that this was the benefit I received from the fraudulent order. I had no idea at the time that the two were connected. The merchant never contacted me about the order sent to me unsolicited asking for it back. I believe this was a mail scam and dont know why this company had my credit information, address or email. I am a widow and found this entire experience to be humiliating. I want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

*I am a Victim of Fraud/identity theft *Accounts were open under my name, I have been able to dispute some and some have been deleted by the actual creditor. ( one of them being XXXX ) XXXX XXXX XXXX : {$860.00} Date Open XX/XX/XXXX ( never opened an account with this company ( XXXX Has deleted this account, but XXXX and XXXX have not ) XXXX {$600.00} Date Open XX/XX/XXXX I have sent a 1099-c to the credit Bureau and nothing has been resolved XXXX this account was open XX/XX/XXXX this account is not mine but I PAID FOR DELETION and still shows ( XXXX and XXXX show I have an available balance of {$600.00} and {$1000.00} with {$0.00} balance but at the sametime it show a neg derogatory XXXX XXXX a copy of a letter has been sent from XXXX stating I was never late yet still shows I missed 1 payment on XXXX of XXXX LVNV FUNDING LLC open as identity theft XXXX and XXXX have removed still on XXXX XXXX XXXX, XXXX open as identity theft XXXX and XXXX have removed still on XXXX Inquiries XXXX from XXXX and 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, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance 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

Shellpoint Mortgage made a report / status regarding my mortgage payment to the XXXX. The error ( late payment ) was a result of XXXX  XXXX XXXX check not being received on time. The payment was made XXXX  days late. When Shellpoint tried to deposit the original check, it did not clear as it had been canceled. This company is an unprofessional nightmare to work with and I feel these " errors '' are targeted / intentional attempts to have us take our low-interest loan elsewhere. Please help me understand how mortgage companies can make filings on credit reports after XXXX  days and please help me get this false reporting stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX DSNB MACYS XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my d7isputes4 regarding inaccuracies in my credit report. Despite my submissions, Equifax 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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I contacted XXXX XXXX XXXX , XXXX by letter to request verification of debt. XXXX XXXX XXXX has reported an active collectible debt on my credit report and they have failed to produce evidence that they are legally able to collect and report an alleged debt. This debt, should it be mine, is a zombie debt over 7 years old and thus uncollectible.
Product: Debt collection

Americollect Inc was contacted and told that this is NOT my debt. They have a published debt on my credit report with a XXXX Hospital ( not even sure where that is located ) from XX/XX/2019. I have not been in Michigan for 2 years and I have great credit with this ONE derogatory and false publication. The item was disputed via XXXX and all they did is put a note on my credit that says " Consumer disputes this account information ''. My attorney advised to file this and state licensing complaint before filing a Federal lawsuit under the FCRA and FDCPA as this is clearly not my account. I was a victim of identity fraud in the past and they were told that but willfully and maliciously ignored it, attempting to fraudulently collect a balance not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove these items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$55.00} ; XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I received in the mail, that I have recently applied to open an deposit account with Wells Fargo. However, they were not successful in opening the account, and sent the letter by mail to inform me. 

I have not recently tried to open any accounts regarding any new banks, and I will like to put an consumer alert on my account, preventing others from opening any new accounts at the moment.
Product: Mortgage

Due to circumstances beyond my control, unable to make mortgage payment starting in XX/XX/XXXX. Had to vacate house with my child XX/XX/XXXX. Listed property for sale, did borrower assistance application for deed in lieu of foreclosure and/or short sale, as realtor listed property at less than what was owed. First offer for short sale XX/XX/XXXX. Mortgage company repeatedly claimed missing documents or info, all of which was sent by myself and my realtor. After 6 weeks, buyer rescinded offer. Another short sale offer for cash in XX/XX/XXXX. Exact same thing happened, second application with all required paperwork filled out and sent in. Lost second buyer. Then was supposedly approved for deed in lieu, all papers received and signed with notary, sent in XX/XX/XXXX. Few weeks later, told an additional paper needed signed, emailed to me. I signed it, and like everything else, emailed it back ti multiple individuals at Roundpoint, as well as the loss mitigation email. Then informed needed hard copy by XX/XX/XXXX ( they told me this after XX/XX/XXXX, and I had NEVER been told of a deadline, nor had my lawyer been told. Argued that they should still continue to deed in lieu, and was told by Roundpoint thay they were still working on it. Their lawyer contacted mine. And then wanted that one paper XXXX XXXX XXXX  to the lawyer directly, which was done the very next day. Now, all of a sudden, they're saying I have to start the process all over again, which I've done multiple times over the past year. My realtor had said I her 30 years in the business, had never seen a mortgage company do this to someone. Please help me.
Product: Checking or savings account

On XX/XX/22 a check of the mobile banking application provide by citizens bank via the XXXX  play store indicated that a transaction on hold would cause an overdraft. Transferred {$55.00} from a citizens bank savings account to cover the transaction. 
Checked mobile banking application at XXXX on XX/XX/22 and noticed that the hold processed and additional transaction had occurred placing account in negative again. I made a cash deposit of {$47.00} at a citizen 's bank ATM at XXXX EST bringing the balance to XXXX. 
I checked the mobile banking application at XXXX EST and account balance was showing XXXX but no additional fees or transactions were listed in the transaction summary screen, the document center, or other communication methods from Citizens bank. 
Attempted to resolve this conflict of balance to official presented information from citizens bank. I was informed there was no way to resolve this discrepancy in their system until the automated systems processed at close of business today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA 's. On XX/XX/2019, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.