23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo sent me a very misleading statement, intended to make one think if they did not take immediate action their home would be foreclosed on. I pay my mortgage each and every month, have never missed a month, and have never payed more than 30 days late.
Product: Debt collection

Collection bureau failed to provide 30-day notice at commencement of their attempts to collect. I disputed the debt, which has been erroneously attributed to me, and the collection agency has attempted to collect the same amount from multiple parties, which, if successful, would be unlawful.
Product: Credit reporting or other personal consumer reports

This is not a mistakeI need urgent attention on this matter. My credit report contains mixed and inaccurate information, including accounts, transactions, and items that do not belong to me. This has been a recurring issue, and despite my efforts to have it corrected, it remains unresolved. Additionally, my personal information is incorrect, which is leading to these unknown and inaccurate accounts appearing on my credit report. This situation is extremely concerning, causing me unnecessary stress and XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I contacted the Branch Office at OneMain Financial in XXXX to discuss why my account online is showing a total due of {$2.00}, but a 60-day past due notice was reported to the credit bureaus. I was advised a balance of {$63.00} was left in XXXX but I made a payment in XXXX for {$180.00} dollars but that was not reported as a payment. The Branch Manager advised it was something she could do and that the total payoff amount would be sent to me, but my account online still does not show the amount that is due. The Branch Manager advised that I will need to make a phone call every time to determine how much is still owed on the loan. The office was never able to provide a complete account summary of the total amount that was paid on the loan.
Product: Debt collection

I HAVE BEEN REQUEST FOR YEARS FOR THIS INCOORECT INFORMATION TO BE DELETED FROM MY CREDIT REPORT!! ON XX/XX/year> I FILED A POLICE REPORT ABOUT FRADULENT ACTIVITY BEING REPORTED TO MY CREDIT REPORT! I AM EXTREMLY UPSET THAT XXXX, XXXX, AND XXXX HAVE YET TO DELETE THE FOLLOWING JEFFERSON CAPITAL SYSTEMS ( XXXX ) {$1200.00}. I HAVE NEVER HAD AN ACCOUNT WITH XXXX!! ALSO, I HAVE FILED SEVERAL COMPLAINTS ABOUT A FRADULANT ACCOUNT REPORTING INCORRECTLY ON MY CREDIT AS WELL XXXX FROM XXXX XXXX IN THE AMOUNT OF {$7400.00}. I HAVE NEVER HAD AN ACCOUNT WITH XXXX XXXX. i HAVE ONLY HAD A PHONE BILL WITH MY MOTHER AND WE HAVE BEEN WITH XXXX FOR 10 YEARS NOW!!! PLEASE HAVE THIS DELETED FROM MY CREDIT REPORT THROUGH XXXX, XXXX, AND XXXX. THIS HAS CAUSED SO MANY ISSUES IN MY LIFE AND WITH MY JOB AND ALSO TRYING TO PURCAHSE A HOME!! REMOVE DELETE THESE ACCOUNT ASAP! I WILL ALSO BE FILING A COMPLAINT WITH XXXX, AND CFPB!!!!!!!!! HAVE PLACE A CREDIT FREEZE AS WELL
Product: Credit reporting or other personal consumer reports

There are accounts on my credit report that I do not recognize, and I believe they could be linked to identity theft or fraud.
Product: Credit reporting

Attempted to purchase my credit report from Transunion.com. I am continuously prompted to join their monitoring service in order to get my credit report and/or score. There is literally no way around these pressure tactics. It 's either join, or do not access your report! And if there is another option, it does n't exist ... .attempted to order via their " disclosure '' link ... ... it states " system error ''.
Product: Debt collection

An Order for wage garnishment was issued against me without being endorsed or filed from Con Serve in XXXX, NY. I have been actively paying on a debt for several years. Con Serve issued a fictitious amount of debt in a wage garnishment through my employer that was never filed in federal and/or state jurisdictions. My employer started garnishing my wages without verifying the validity of the garnishment and I have been forced out of my job due to harassing calls from Con Serve to myself and my employer. Various representatives from Con Serve repeatedly called me at work threatening to have me arrested and take my income. One representative of Con Serve stated his name was XXXX XXXX and that he was an Attorney, but he sounded more like a high school student hired by his parents, who are likely the investors. I lost my job and I lost my home. I am responsible for taking care of an elderly family member and I can no longer afford the medical care needed due to Con Serve issuing a false garnishment against my income and my employer. Between the years of XXXX-XXXX, I had been actively seeking stable employment throughout the US prior to starting my job last year. I want a criminal complaint against the organization at Con Serve, XXXX XXXX XXXX XXXX XXXX, XXXX, NYXXXX.
Product: Mortgage

my loan was under forbearance for covid XXXX for a year and 3 months. and i received funds from two agencies and they disbursed the funds in a manner that is overcharging me. they received over XXXX in funds. i received mortgage statements saying they were missing payments when they received payments from organization then it was found with calls from me with explanation and date of payment. my mortgage was originally XXXX they received funds before forbearance was approved, my mortgage was also raised when bank received funds on my statement. my forbearance should have no late fees under it so i should have had more money left over and my principal should have lowered.
Product: Credit reporting

By law Transunion only has 30 days not 60. In response to the file number with CFPB XXXX. Transunion stated they will respond in 60 days and that is not the timeframe that is stated by law 30 days is the law. 15 more days if another dispute is given.
Product: Credit reporting 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 an UPDATE 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 XXXX XXXX XXXX
Product: Debt collection

Calling back to back. Hanging up and calling right back within minutes
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX OF MO # XXXX, XXXX  XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission to XXXX consistently responding within 24 hours, the account is accurate without providing any evidence ofr 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, XXXX '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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

To Whom It May Concern, I have been the victim of identify fraud, and I believe this debt is one of the debts which resulted from my identity theft and was falsely taken out in my name. Under the Fair Debt Collections Practices Act, I have the right request validation of the debt you say l owe. I am requisition proof that l am indeed the party you are asking to pay this debated there is some contractual obligation which is binding on me to pay this debt.
Product: Debt collection

On XX/XX/year>, I transferred phone service from XXXX XXXX to another provider. XXXX acknowledged the transfer by text on the same date ( attached ). On XX/XX/year>, I received an email bill from XXXX indicating that {$120.00} was owing for service through XX/XX/year> ( attached ). Clearly, XXXX was attempting to charge me for an additional month 's service. I contacted XXXX and requested an itemized copy of the bill for the amount they claimed I owed. Instead of producing the bill, XXXX sent my account to three collection agencies in succession, one of which was Transworld Systems , Inc. ( TSI ). 

On XX/XX/year> I responded to TSI and requested a detailed accounting of the charges XXXX claimed I owed in response to their collection letter ( see attached Certified Mail Service signed by TSI ). When TSI did not respond within thirty days to my request ( a violation of FCRA ) I filed complaint # XXXX with CFPB. By letter dated XX/XX/year>, TSI responded to CFPB that they had closed the matter and that it was their " intent to have no further communication... regarding this matter ( See attached ). CFPB closed the case. 

Now, almost a year later from their initial collection letter, I have received yet another collection letter from TSI concerning the same matter ( see attached TSI collection letter ). 

I do not owe XXXX XXXX yet they continue dunning me through collection agencies. TSI is unable to demonstrate that I owe anything to XXXX, as indicated by their letter dated XX/XX/year> to CFPB. TSI is in violation of FCRA by their willful and knowing non-compliance with the Act by continuing to attempt to collect a debt they have already acknowledged I do not owe by closing their file.
Product: Money transfer, virtual currency, or money service

Yes, what I am trying to say is that the {$50.00} that I transferred this I transferred to a closed account that account no longer exists and the card does not exist either and I just realized that I had transferred it to that account when she is XXXX XXXX XXXX that does not They exist, so I would like to know how I can return that money to put it in another account that should be, but that account has been closed for 3 years and it was the
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with ERC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681e ( b ) Accuracy of report.

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Accounts should be reporting 100 % accurate information across all XXXX credit Bureaus ( XXXX, Transunion and XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a loan from XXXX XXXX when trying to finance furniture in 2019. I have been paying my bill online. I was told that they dont offer this type of loan so I refinance. Today I get a notification from transunion that XXXX XXXX reported 30 days late in the months on XXXX XXXX XXXX and XXXX. But on my XXXX and XXXX Im not late at all.. im confused Im unaware of these late payments and can not understand why they are now showing on my credit report one year later and the account has been closed for 3 months. I have tried to get this resolved with the company I even have bank statements as proof that these payments were made on time.
Product: Credit reporting or other personal consumer reports

I have two accounts, one with the account number ending in XXXX associated with JPMorgan Chase & Co, and the other with the account number ending in XXXX linked to XXXX XXXX XXXX XXXX. Both of these accounts had 1099-C forms filed and accepted by the IRS on XX/XX/2023, and XX/XX/2023, respectively. I recently contacted XXXX to inform them about the IRS-accepted 1099-C forms and the resulting classification of these accounts as taxable income by the IRS. 

I believe it is worth noting that it may be considered irregular for a credit reporting agency to report income. During my conversation with an XXXX representative, I was informed that they can not remove these accounts without validating the accuracy of the 1099-C information with the data furnishers. 

Please advise on how best to proceed in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account on my XXXX, Experian and XXXX  report since XX/XX/XXXX. Every time the credot bureus have sent back a dispute results letter stating that the account is valid, I want to know how an account that has been aged since the year XXXX is still reporting on my credit report going into XXXX, this account is past the timely statute of debt collection of 7 years per the Fair Credit Reporting Act, I looked it up and this company is violatiing my rights and my credit report so I want XXXX, experian and XXXX  to delete this account immediately because it is incorrect and inaccurate information that is reporting and the credit bureaus lied about verification because nothig has been sent to me as proof that this account has even been validated, I want it removed immediately please. 
Company Name : XXXX XXXX XXXX XXXX Account # XXXX There is another account that is reporting inaccurately as well and is past the time of debt collection limitations. The statute of limitations on debt in Texas is four years. This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. This company should not even be reporting on my credit as well, so I want it removed from XXXX, Experian and XXXX  as well or I will have to take this creditor to court. 
Company Name : XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax potential impact check has informed me that I may have been one of the affected personnel from the credit reporting breach of 2017. Was informed around XX/XX/XXXX, the breach apparently occurred several months prior : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' Can not get confirmation one way or another that if I enroll in XXXX XXXX, that I would opt-out of any arbitration rights due to this breach. 

Applied for 90 day monitoring through Equifax.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth XXXX Contents of complaint : this CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of Identity Theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a charged-off/closed credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ending in XXXX. This account has resulted in fraudulent activity appearing on my consumer FICO credit report. I have attached the copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned closed/charged-off account. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. This account was a result of Identity Theft and Fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account are the result of identity theft and fraud.
Product: Debt collection

On XX/XX/XXXX, I received notice from XXXX XXXX that a hard inquiry was done on my credit with XXXX. I checked right away because I had nothing to warrant an inquiry. I saw a loan on my credit, it is with XXXXXXXX XXXX XXXX  for {$16000.00}. I immediately called them and told them it was not my loan, I never applied for a loan. That was a XXXX ago, I've been calling and emailing. I've been transferred and put on hold constantly. I froze my credit, filed a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I completed the theft packet with all information, that has been faxed XXXX with confirmation. They say they've received nothing. The loan application, I found out just XXXX, after a XXXX of calling, does not have my phone number on it. The information on the application is not mine. The bank the loan/funds were routed to was investigated and determined to be fraudulent. That account did not have my SS # on it. So, the application itself had false information and the loan was routed to a bank that I don't bank at, an account that has since closed by the bank after being notified of the fraudulent loan. Each time I try to talk to anyone regarding the investigation, I get placed on hold, transferred and nothing happens. I gave them XXXX XXXX to provide me the applicant information, they have not done that. They've done nothing to resolve this.
Product: Vehicle loan or lease

I had applied for a vehicle refinancing with PenFed credit union as interest rates dropped... 

they had told me that I had qualified for a certain percentage as well as a certain loan term... 

I had provided income verification as well as a payoff letter from the existing lender. 

On XX/XX/year>, I received notification that they would extend a longer loan term than my original request at a higher finance rate- which I didn't want I had already prequalified for a lower rate at a certain loan term. 

I have an over XXXX credit score with excellent credit utilization. 

I believe XXXX was trying to engage in Predatory Lending My loan application was submitted under the name of XXXX XXXX XXXX XXXX have attached an email with the loan application number
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Checking or savings account

On XX/XX/2022, I deposited a bank draft in the amount of approximately {$26000.00} into my checking account with Chase Bank. Because the deposit was made around XXXXXXXX XXXX., which is after normal banking hours, I opted to use the ATM to deposit this item. In reliance on the information available on Chase 's public website, I assumed that using the ATM to deposit this bank draft would not create any delays or holds on my account, and that the funds would be available within a few business days. Instead, upon deposit, I was informed that the bank draft would be placed on hold until XX/XX/2022 -- nearly two weeks. This hold froze my account and rendered it unusable -- neither deposits nor withdrawals could be completed, and transactions were declined. Because the instrument was a bank draft, upon verification of the order, the funds should have been made available. Chase refused to provide any reason for the hold placed on my account until XX/XX/2022. 

On XX/XX/2022, still unable to use my account, and one day after the hold on the deposit was lifted, I spoke with a Chase representative who informed me that they believed the ATM image of the bank draft appeared to have been altered. However, upon further investigation ( which had occurred prior to XX/XX/2022 ), Chase was able to determine that the instrument had not been altered, and openly stated that the hold and account freeze should not have been placed on my account in the first place. The representative assured me that the hold was to be lifted immediately, within 20 minutes to one hour. That time has elapsed, and I still do not have access to my account or the funds. 

The representations made by Chase -- in writing on its website, in writing on the ATM screen and receipt indicating funds availability on XX/XX/2022, and the verbal representations and warranties made by the representative over the telephone -- constitute incorrect, and in the very lease negligent statements on which I relied. Chase 's conduct is deceptive and unfair, as I would have chosen to deposit the bank draft with another institution or in another manner had I known that I would be unable to access funds in my deposit account for nearly two weeks.
Product: Debt or credit management

I signed up for Lexington Law to fix my credit and remove late payments on my credit. they never fulfilled and I called to cancel they still took money from my account many months later. All they did was apologize.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is negatively reporting on my credit report. They reported to Experian an incorrect personal address of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX. I have never lived or been associated with this address. Per the FCRA 15 U.S. Code 6802 and 12 CFR 1016.7 I am opting out of sharing my information with third parties. Experian is indeed a third party reporting inaccurate information without my permission. 15 U.S. Code 1681 states " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' It also states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I would like this account immediately removed from my credit report for inaccurate reporting on my credit file.