23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX # XXXXProperty : XXXX XXXX XXXX, XXXX XXXX, NY XXXXHi, my name is XXXX XXXX, and I work at the Law Office of XXXX XXXX XXXX. The reason for the complaint is due to we have been in process of a Loan modification since XXXX 2013 with Wells Fargo, and received a negative notice against the Loan. The file was removed from Litigation and Settlement conferences, making us negotiate directly with the bank. We summited a complete Loan modification Package on XXXX 2013. Due to Litigation, the file was delayed for nearly a year and a half, and now we got denied for Wrong Income usage. We appeal the decision made, and Wells Fargo claim the correct income was used to calculate the Loan Modification, which it does n't even match the income that was include on the RMA with evidence of this income. We have complied with every request as far as a Loan Mod docs, and we have provided more than enough evidence to support the income. 
The HO was paying a monthly expenses to do a P & L statement for his personal income, he invested over $ XXXX/month executing P & L statement due to accounting charges, with an end result of a denial. 
HO really wants to keep the property, we need Wells Fargo to make the changes in the income used, and provide the HO with the Loan Modification which was Applied. 
We want to placed a complaint against Wells Fargo for not providing the right opportunity for HO
Product: Credit reporting, credit repair services, or other personal consumer reports

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

1. XXXX XXXXXXXX XXXX  Account # XXXX has violated my rights. 
2. XXXX XXXX XXXX Account # XXXX has violated my rights. 
3. XXXX XXXX XXXX  XXXX Account # XXXX has violated my rights. 
4. XXXX XXXX XXXX Account # XXXX has violated my rights. 
5. XXXX XXXX XXXX Account # XXXX has violated my rights. 
6. XXXX XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A States I have a 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 : that 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

I opened a Synchrony Bank/CareCredit account on XXXX XXXX, XXXX. The beginning balance on the account was {$5300.00}. I paid 11 payments on this account totaling {$2100.00}. Synchrony Bank/ Care Credit is not crediting my payments on my account correctly. My balance should be {$3100.00}. They have my balance at {$4500.00}, which is incorrect and not true. Synchrony Bank/CareCredit added this incorrect balance and negative items to my credit report on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I 'm disputing this and I want this removed from my credit report. I have been charged a {$35.00} fee, even if I was XXXX day, which I have paid. The minimum payment on this account was {$140.00} and was due on the XXXX of each month. My payments were on XXXX/XXXX/XXXX ( for {$200.00} ), XXXX/XXXX/XXXX ( for {$140.00} ), XXXX/XXXX/XXXX ( for {$140.00} ), XXXX/XXXX/XXXX ( for {$140.00} ), XXXX/XXXX/XXXX ( for {$140.00} ), XXXX/XXXX/XXXX ( for {$170.00} ), XXXX/XXXX/XXXX ( for {$140.00} ), XXXX/XXXX/XXXX ( for {$140.00} ), XXXX/XXXX/XXXX ( for {$330.00} XXXX, XXXX/XXXX/XXXX ( for {$180.00} ), and XXXX/XXXX/XXXX ( for {$370.00} ). Total payments made is XXXX. Synchrony Bank/Care Credit has been overcharging me and levying hidden charges through deceptive business practices. This is unacceptable and I 'm filing this complaint to report consumer fraud and deceptive business practices. I have proof of all my payments made on this account. My account number for this account is XXXX XXXX XXXX XXXX and it was opened on XX/XX/XXXX. Thank you for your time and any help would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

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



Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX  Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX  Account # XXXX Account name : XXXX XXXX Account # XXXX  Account name : XXXXDEPT OF ED Account # XXXX Account name : XXXX XXXX XXXX XXXX  Account # XXXX  Account name : XXXX XXXX XXXX XXXX  Account # XXXX  Account name : XXXX XXXX XXXX XXXX  Account # XXXX Account name : XXXX XXXX XXXX XXXX  Account # 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX. XXXX AND XXXX XXXX Creditor : R.S. CLARK AND ASSOC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on R.S. CLARK AND ASSOC Original Creditor : PR.S. CLARK AND ASSOC account number ISNT DISPLAYED with a balance of {$0.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Credit reporting or other personal consumer reports

Complaint # XXXX and XXXX I am writing to follow up on my original dispute, which I submitted on XX/XX/year>2025 regarding unauthorized inquiries, incorrect personal information, and fraudulent accounts appearing on my credit report. Despite my initial submission, your response, dated XX/XX/year>2025, indicates that no action was taken due to concerns regarding the authorization of my request. However, I am now submitting this dispute directly in accordance with the Fair Credit Reporting Act ( FCRA ) 611, and I expect a full and comprehensive investigation of the disputed information. 

I request that Clarity Services conduct a detailed reinvestigation of the following disputes : Unauthorized Inquiries : Inquiries made without my consent or knowledge. 
Incorrect Personal Information : The erroneous addresses, names, birthdates, phone numbers, and email addresses listed in my credit file. 
Fraudulent Accounts : Accounts that I did not open or authorize For your reference, I have attached the following documents to support my dispute : A copy of my government-issued ID ( e.g., drivers license or passport ) A utility bill or bank statement verifying my current address A copy of my credit report with the unauthorized inquiries and accounts highlighted
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Inconsistent Reporting of Rent Payments on Experian XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of my rent payments on my Experian XXXX account. The attached screenshot clearly shows multiple transactions that are all payments to XXXX, my rental company. However, they are listed inconsistently under different names, some of which do not explicitly mention " XXXX. '' As a result, these payments are not being recognized as a consistent rent payment history, which directly impacts my credit score. 

Experian XXXX is designed to reflect positive payment history, yet these payments are not being correctly categorized as recurring rent payments. I have previously raised this issue, only to receive a generic response about vendors and credit ratingsneither of which address my concern. My rent payments should be acknowledged as regular, on-time payments that contribute to my credit profile.
Product: Credit card or prepaid card

I applied for a Capital One Credit card and was approved for a credit limit of {$15000.00}. Since that time, i have used the card here and there. Lately, i have been in the process of looking and buying my first home. I was instructed not to use my cards, or use them as little as possible. While in the middle of getting approved for loans on my home, it was brought to my attention that my credit had dropped because of Capital one ( without notice or contact or acknowledgment from me ) decided to lower my spending limit from $ XXXX down to $ XXXX DUE TO NOT USING IT ENOUGH!!!!! This is absolutely unacceptable. I paid my balances on time, and have never been late with the company. Now because you woke up one day and decided to mess with my credit, my home loan was changed around and had to be restructured and much more costly due to my credit rating decrease that was caused by Capital one. Upon my calling of customer service, i was rudely told it was my fault and there would be nothing Capital one will do because it is in my fine print that Capital One can do whatever they want to my account. The rep was completely unhelpful and made the situation even worse. Also refused to allow me to speak to ANYONE above him. That he was the final decision maker in this matter and there was nothing he or capital one would do to help at this time.
Product: Debt collection

the complaint against " Apothaker Scian P. C. '' was not if I owed a debt to XXXX. It was not about if XXXX, who they claim to get my debt account from was owed. A complaint was filed due to this company being believed to have falsely gotten & purchased even requested my personal account from XXXX out of retoliation ... I suspect that " Apothaker Scian P. C. '' may have allegelly, got representatives or whomever from XXXX to turn over my account to hem rather as they stated that it was sent to them for XXXX. Again, since when does XXXX take a college student to court for a {$900.00} charge even with interest as little as totaling {$1000.00}? This is unheard of. Not that I wouldn ; t agree to pay or haven't been paying, but, this would have just been put on my credit report. 
So, again, my complaint is to find out if XXXX sent this account I owed to this Apothaker that I owed to XXXX ONLY, or if it was requested. Also, if so, does the legal dept. or XXXX XXXX even know about the hearing they filed for me to attend. Why would XXXX use an attorney from NJ where my mother and me, Miss XXXX XXXX have been having so much politics come against us? How did they get the account. Please, do not take their word for it.
Product: Debt collection

In XXXX, I decided to change my utility bill from XXXX XXXX to XXXX because I had noticed that XXXX XXXX was a very predatory company that would overcharge me for my utility. Around the middle of XXXX, I made the switch and had a outstanding bill of {$600.00} in my account. I had to pay the bill or arrange a payment plan by XX/XX/2023. In XX/XX/2023 I contacted XXXX XXXX to arrange a payment plan and made a {$150.00} deposit and made 5 payments of {$91.00} due on the XXXX of each month and have made each payment on time. On my last payment, XXXX XXXX decided to sell my debt to a collections agency on the XXXX of XXXX when it was due on the XXXX and had made the payment in the XXXX. I had made every possible thing to avoid this. I contacted XXXX XXXX about my debt and made a payment plan with them before the last chance letter date, and had made every payment on time. The collections agency ( Credit Management ) said that they might report it to the credit bureaus despite me trying to solve this issue before they sold the debt, made every payment on time before the XXXX, and manage to make every payment on time. I recommend everyone to stay away from XXXX XXXX. ( Note : The last payment screenshot was made in my Mom 's checking account so I don't have the payment proof and they have my last name spelled wrong. )
Product: Credit reporting or other personal consumer reports

New CFPB Complaint ( Escalation for Proof of Ownership ) Subject : Equifaxs Failure to Provide Proof of Account Verification FCRA Violation Product : Credit reporting or other personal consumer reports Issue : Incorrect information on credit report Complaint : I previously submitted a complaint regarding fraudulent accounts on my Equifax credit report. Equifax responded by claiming that certain accounts were verified, but they failed to provide actual proof of verification, as required by 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). 

I am the victim of identity theft, and my personal information was used fraudulently to open accounts in my name. I have already submitted : A police report documenting the identity theft. 

An identity theft affidavit. 


Despite this, Equifax has refused to provide : Original signed account applications.

Account opening agreements.

Documents used to " verify '' the accounts.

A simple claim that the accounts are verified without proof is a clear violation of FCRA requirements. I demand full documentation of the verification process. If Equifax can not provide this, then they are legally obligated to immediately delete these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off and told the credit bureaus to investigate every piece of information on the account for XXXX XXXX XXXX XXXX # XXXX stated my account were verified but how is that possible if they did not do the proper investigation according to the law. Also every piece of information on this account are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have credit report showing the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan and the vehicle was totaled XX/XX/2020. 
The original balance was {$17000.00}, the financer wrote off/charged off {$17000.00} in 2020. However, experian is reporting that I still owe {$16000.00}. Even when all of this information is in front of them.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : [ XXXX XXXX ] [ XXXX ] XXXX : [ XXXX XXXX ] [ XXXX XXXX ] XXXX : [ XXXX XXXX ] [ XXXX ]
Product: Payday loan

I was told by the active hours app, which is a payday loan app to submit a complaint here. I was charge by my bank on the wrong day to get a overdraft fee. They told my bank to charge me on Monday, since Friday is a bank holiday, but instead charge me on Friday. My bank is SunTrust.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect personal information on my XXXX, XXXX and Experian credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I noticed that I had a lot of inquiries that I did n't not authorized I spoke with someone at  XXXX ,   XXXX   and  XXXX  they told me to send in a dispute with all the inquiries. I did that then they told me they could n't do anything I have to contact the creditors myself. my report correctly have a fraud alert due to all of the misinformation I 'm trying to get cleaned up.   XXXX   told me to place a fraud alert on my report and dispute any inaccuracies but now they do n't want to help me. I placed a fraud alert on all  XXXX  of my reports and disputed all of the inquiries that I did n't authorized.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a certified dispute letter ( Tracking # XXXX ), to Experian which their office received on XX/XX/year>. In my dispute, I exercised my right under 15 U.S. Code 1681c-2 ( Blocking of Information Resulting from Identity Theft ) to demand the immediate blocking of erroneous, unverifiable, or fraudulent information on my credit report. 

As required by law, upon receipt of my dispute, Experian had XXXX ( XXXX ) business days to block the disputed information from my credit file while the investigation was ongoing. However, to this date, the accounts and information I disputed remain on my credit report, violating my legal consumer rights. 

Experian 's Violation of Federal Law Under 15 U.S. Code 1681c-2 ( a ), Experian is legally required to : Block the disputed information within XXXX business days of receipt of my request Prevent the reappearance of the disputed information while under investigation Not require a police report or additional documentation beyond my request By failing to comply, Experian is now in willful violation of the Fair Credit Reporting Act ( FCRA ) and my consumer protection rights. 

Experians Noncompliance and Stalling Tactics Additionally, I have received no valid response regarding the removal of : Experian 's continued reporting of inaccurate information and failure to block data per legal requirements is an attempt to delay the correction of my report, which is further violating my rights under the following consumer protection laws : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) Ensuring accurate reporting by furnishers 15 U.S. Code 1692g Requiring debt verification from collection agencies Georgia Code Title 10, Chapter 1, Article 34 Consumer Privacy Protection
Product: Mortgage

I just read this XXXX XXXX XXXXXXXX So do I qualify as someone who can get money because I was hurt by Wells Fargo in my negotiations with them and for them to put me through modification " XXXX '' along with SELLING MY HOME AT AUCTION without any legal rights to do so.
Product: Credit card or prepaid card

On XX/XX/2021 I paid Bank Of America credit card {$950.00} instead of my home loan. I contacted them with in days after realizing my mistake. They told me they could not find my information and I must have been purged from the system for inactivity. I had no idea they closed my account. 
Multiple phone calls later we received info and my bank faxed over everything to XXXX XXXX as instructed. My bank said it had all the info needed to find and send the money back. This never happened. Me nor my bank ever received a reply either. I even called and emailed multiple times. 
I included a copy of my old physical cards as well as the my bills pay payment records that proves payment was made. 
This has been going on for months. 
To this day Bank of America has returned {$0.00} They can not keep my money when there is no account to credit. 
They closed the prior complaint stating they would send the results to me. THEY DID NOT and will not return phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

computer base system pre approve me for a credit limit then decline my application
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report a public record that has not been verified as accurate which is a direct violation of 15 U.S.C.1681 Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I disputed information on my report and the company requested through XXXX MAIL that I verify my own identity before they proceed. If they have an obligation to accuracy of my personal information why do I need to send my social security number and address or license information before they validate disputed information? 

I have validated my information with them multiples times and through the cfpb. If they cant verify my dispute without my information it needs to be removed from my report as inaccurate. I will not validate my own reporting information for them- investigate it, validate it ( which you can not because I no longer have reporting information with XXXX ) and kindly remove it from my report. 

Source : Experian Date Submitted : XX/XX/year> Report Number : XXXX Court Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX of Record : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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