23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am debating account number  XXXX  withCommonwealth Financial Systems by reason of I have sent many dispute letters to the credit bureaus and it comes back verified every single time. They are declaring that I owe {$59.00} to  XXXX   XXXX   XXXX   XXXX  on my credit report.   XXXX  I have contacte d Commonwealth Financial System s to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
Product: Student loan

I co-signed on a student loan and am the only one paying for they ca n't find the original borrower. I spoke with my account rep and explained the hardship after being threatened of being sued. I was told that I was enrolled in the XXXX XXXX XXXX forgiveness plan and the payments were set up for a year and 2 months at {$130.00} for 2 loans. I met the requirements by setting up automatic payments through my checking account. I was told that once these payments were completed that would be it ... .no more student loans. Now, I 'm receiving phone calls and emails about re-enrolling in a rate reduction plan and that I must have misunderstood because there 's no such thing. Loan Forgiveness is only for federal loans not private. I voice my disapproval and concern about being lied to but got no where. I finally agreed to set up payments through this rate reduction plan and was told that it was only for 6 months but the plan required 12 months of payments. I was also told that this is a step program and that the payments were definitely going to increase. The payment was to be automatic from my checking account in the amount of {$160.00} for 6 months and then the remaining six payments would be {$340.00} per month. I expressed that I could n't afford that and would not agree to a pre-recording a message that stated that. I was unable to workout a suitable or affordable payment plan with them. I am continuing to call in hopes of finding an understanding rep. 
Also, I have read that there is a lawsuit involving Navient and CFPB. I am interesting in being apart of the lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX financed a vehicle for me, and the vehicle broke down a few months into having it, and the cost of the repair was too expensive to pay along with paying the monthly car payment. I voluntarily gave the vehicle back to the credit union, and they sold the vehicle at auction and took me to court for the remaining balance that was owed after the auction sale. A XXXX County South Carolina judge made an order of the amount that was owed to the credit union, however the credit union is reporting that I owe them {$9200.00}, which is inaccurate. South Carolina Federal is purposely ignoring the court order, and reporting an aggressive derogatory remark in the remarks section on my credit report, and they refuse to correct the amount really owed for the vehicle. By law if information is inaccurate on a credit report, it must be removed. I have included the court order in numerous disputes which proves the inaccuracies, but the credit union continues to lie to the credit bureau and say the information is correct.
Product: Credit card or prepaid card

On XX/XX/XXXX, Barclaycard closed all my credit cards I have with them including a recent new card that I just received XXXX worth {$590.00} promotional offer on that was issued XX/XX/XXXX. Barclaycard closed my account right after I got the points and refuse to let me redeem the rewards, a complete switch and bait. I have been with Barclaycard for more than three years since XX/XX/XXXX, and never missed a singlepayment. They claim the reason for disclosure is too many new accounts in the past six months but I only had three accounts opened FIVE months ago. It 's disappointing to see the extremes credit card companies go to save their button line but this is completely unethical.
Product: Debt collection

Someone opened an account with XXXX XXXX XXXX this year after I placed a lock on credit with credit agencies. I have never used or had XXXX XXXX and don't currently have electrical power in my name. Called company and they don't know what service address or the account that XXXX provided in a dispute doesn't show up in their system. 
Call made today XX/XX/2023 and amount in question is for {$390.00}
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and I noticed there were inaccuracies in the following accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a HELOC out in XX/XX/XXXX. I unfortunately could not pay it off and the last payment I made was in XX/XX/XXXX. The credit bureaus are showing all different dates for the date of charge off, they are showing an increasing balance every month from then until current. It looks like the credit union changed the account number so there is some confusion there
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and Transunion are reporting incorrectly that I am ( 120 ) days past due on the XXXX  partial account number XXXX. Equifax ; XXXX  and XXXX   are also reporting that I am ( 120 180 ) days past due on the XXXX partial account number XXXX. Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  account # XXXX, XXXX XXXX  account # 's XXXX, account number XXXX, account # XXXX, account number XXXX, XXXX XXXX account number XXXX, has violated my rights. 

XXXX accordance with Fair Credit Reporting Act, XXXX XXXX account # 's XXXX, XXXX, XXXX, XXXX XXXX account # 's XXXX, XXXX XXXX account XXXX XXXX, XXXX. XXXX account # 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 formal complaint against Equifax for failing to properly investigate inaccuracies in my credit report. Despite my repeated disputes and submission of supporting documentation, Equifax consistently responds within 24 hours, stating that the disputed information is accuratewithout providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation of consumer disputes. Additionally, Equifaxs actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced by the Consumer Financial Protection Bureaus ( CFPB ) recent enforcement action ( File No. 2025-CFPB-0002 ) against them for similar misconduct.

Furthermore, Equifaxs negligence in maintaining accurate consumer records and failing to properly investigate my disputes constitutes a violation of 15 U.S.C. 1681o, which holds them liable for civil damages due to their failure to comply with FCRA requirements. Their continued disregard for federal law has caused me undue harm, including potential denials of credit and exposure to fraudulent activity. 

Disputed Information : Incorrect Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Incorrect Addresses : 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: Mortgage

On XX/XX/year> the Mortgage Compnay initiated auto pay, which should have been XX/XX/XXXX. This was in addition to my mortgage payment already made, resulting in duplicate payment. 
Since XX/XX/XXXX I have made numerous calls to the only available phone number which is the customer service. Each time I am told the refund is in process. I am yet to see the refund in my bank account or in the form a check. We are retirees, and we dont have extra funds sitting around for them to just ignore our request for our own funds. The attached statement shows the duplicate payment and reversal. But I have not seen the funds in my bank.
Product: Checking or savings account

i submitted to my bank a few claims where the merchant services are not as described, the cost was different than what was agreed upon on and what is advertised for the general public, and i was not in possession of my vehicle and the insurer was not able to perform their duties during the time im requesting that my money be refunded to me. 
i presented all documentation available as well as the advertisements/listing themselves explaining in detail the aspects of the cases. 
to my surprise the bank rejects them in a few days and didnt even post a temporary credit nor did they even bother to call me or ask for more evidence. This all seems very odd So i reached out wondering what they needed and i noticed they'd combined 2 of the claims and kept using facts from each to argue the validity of the charges as a whole. I continued to ask that they not do that and if we could please re submit my claim with the each claim having its own specific detailed case number and i explained i was requesting this because the facts were very mixd up and that for that reason there is a bias and they are not looking at the facts correctly. They have declined to hear reason and continue to recount the individual situation incorrectly they also refuse to hear me when i explained that even the insurance company has agreed that i absolutely cancelled the policy and that i didn't owe. i'm trying to keep working with the insurance company on that but the facts are on the other two cases not only has capital one refused to ask according to my rights but they have ignored basic reasoning and my steady reminder that they are not stating facts correctly and can not pass a judgment when not all the information is correct. it is also my stance that capital one has used my words and switched them to better suit their narrative and my conversation today further proved that as each recount was completely bias and full of errors
Product: Debt collection

I have been targeted by Racketeering & Identity Theft Fraudsters who have stolen my exempted social security XXXX income at a XXXX XXXX Bank by Malicious Prosecution in violation of the FDCPA.
Product: Mortgage

Veterans United only helps veterans when they want their money and want them to close on a home. I suggest XXXX XXXX XXXX  or veteran ever use them. They were very swift and worked very diligently on getting me a real estate agent, who sold me a lemon, sight unseen while I was XXXX XXXX 2 months after being ( XX/XX/2023 ) in the home I was unable to live in the home due to 2 major leaks ( amongst an array of other costly issues ). We could no longer use the bathrooms of the home, and the ceilings in our kitchen were cut open. My family and I had to move out, after just moving back to the US after 3 years and trying to settle my children, due to both showers being inoperable. Insurance claims were filed, and we moved into a rental in XX/XX/2023. Making it unaffordable to pay a mortgage, a rental home and make major renovations on a home we had just purchased, we opted to put the home in short sale. I requested a short sale with the bank, in XXXX of this year. It is now XXXX and we still have no actually movement on the short sale because of how much back and forth the process is, and how they are valuing the home with a fraudulent appraisal to benefit them. Communication is through email only, every 5 business days. There are no posted clear instructions on what will be needed and how the process is to go. The appraisal is completely inaccurate. Stating the condition of the home needs no visible repairs and is at full market value, making a short sale extremely difficult. The email liaison states the appraisal rebuttal was denied, yet I have no official traffic of this other than her email. Veterans United could help close on the home within 60 days, yet now that I am in extreme financial hardship and needing them to take any sale, they can get on this home to get it out of my name as soon as possible, they are not helping at all. I have been begging for someone to see the real condition of this home, is not at full market value. There are insurance claims, and visual proof of this home needing major alterations and renovations. Not to mention, not one comp given on the appraisal shows the sale date of the property, and none are in our development. This appraisal is clearly in the banks favor to be able to get the most money they can, despite the fact this home can't even be lived in right now. This is a disgraceful situation, that I have received no help on for 7 months now. I am an active-duty service member begging for some serious assistance to regain control of my finances and rebuild my credit that this is destroying every month that passes. I'd like the VA 's assistance, and anyone who can please take a hard look at the severity of this problem. Thank you.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer -provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

An Apple Card was fraudulently added to my name and used to siphon funds from my bank account from XX/XX/XXXX to XX/XX/XXXX through Goldman Sachs. The amount owed was reported as fraud and charged off so that I wouldn't be entitled to the return of funds. I never requested it to be charged off, only investigated so that as a result, my funds were returned to me. 

The final grouping of payments that were denied due to insufficient funds were not the only funds that were illegally accessed. Again, the payments made between the dates of XX/XX/XXXX to XX/XX/XXXX were fraudulent as well. 

Goldman Sachs and involved credit bureaus acknowledged that the payments were fraudulent but Goldman Sachs has refused to return the funds that was stolen. I was given multiple dates for a return of the funds, which is notated in Goldman Sachs notes but funds have yet to be returned as of XX/XX/XXXX. 

I am aware that there is a XXXX period after which legally, I am to receive returned funds and have expressed this to Goldman Sachs XXXX XXXX XXXX, XXXX Department but yet have not received any refund as of this date. 

I am in need of the funds to avoid further financial distress. And request that this refund process be expedited. I am prepared to seek legal remedies for pain and suffering and mental distress associated with the ordeal. The total amount is XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling disputes. Particularly in the light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that they are recovering lost funds was impossible and tracking these transactions were unfeasible. The CFPBs findings indicate that zelle neglected to support consumers but also have allowed repeated offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I want to report some fraudulent inquiries that are on my Experian credit report and I want them to be deleted as soon as possible. Here are the fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

On XXXX XXXX XXXX I applied for a {$600.00} Title Loan. I was told I would pay back {$730.00} which would include interest. I have not missed a payment and have even paid a few dollars extra. Then on XXXX XXXX XXXX I made {$140.00} payment and I have paid a total to date of {$590.00}. And, when asked about the new balance I was told it is now {$500.00}. That means if I pay it off in XXXX XXXX, I will be paying a total of {$1100.00} to have borrowed {$600.00}. And, if I do n't pay it off then, which I ca n't because I am XXXX on a fixed income, so there is no telling how much more interest I will have to pay. And, this is not the first time I have had to borrow money on my car, a XXXX Chevrolet Cavalier with them. Before they let me have {$2000.00} for the same car in XXXX XXXX. The time pay period before did n't last long because I paid them off with the money my deceased brother had left me and I still ended up broke, because the interest rate was so HIGH! Sometime we as XXXX need to take these loans out so we can do a few extra things before we leave this earth. But, why do they have to take advantage of us like this. We have worked hard all our lives and all we have now is a small Social Security retirement check. Please help us out. Thanks.
Product: Debt collection

Diversified Consultants INC are harassing me every day! They keep calling every day asking to pay a debt that I do not owe. I told them to stop the calls but they will not listen. They gave me an account number with at & t that does not even exist. I spoke to XXXX XXXX XXXX in numerous time asking them if I had a balance with them. All the representatives always tell me to ignore the calls and not to share any information with them. I tried to ignore them but they call from different numbers and yesterday they called my mom. I find this very disrespectful because first of all i do not owe anything. Second they are extremely rude and lastly I have never shared my moms information with anything related with me because she does not speak any English. They are definitely violating the debt collections agency rules by contacting my relatives. They are probably getting phone numbers from the internet or something. I need this harassment to stop now. I am afraid they will even mess up my credit because i am not aware of how much information they have. I XXXX  the company and thet have about 345 bad reviews on XXXX and XXXX so they are probably violating a lot of consumers rights.
Product: Credit reporting or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action.

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX  Please remove it from my credit report.

2. 15 U.S. CODE 1692G - VALIDATION OF DEBXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, LA, XXXX
Product: Mortgage

During the course of the foreclosure proceedings, which are in dispute, the plaintiffs attorneys added defendants in error which created confusion and created the possibility for fraud. The Sheriffs documents, civil court documents and even the property records were affected by the error. This would not have happened if the additional defendants were not added in error. 

1. Ominous, unspecific, fraud inducing names such as " XXXX XXXX have been added as defendants, in error. 
XXXX. Bayview Loan Servicing , LLC ( herein bayview ) was added as a defendant, in error. The attorney for bayview is the same attorney for the plaintiff, which is not only a conflict but it gives the attorney the potential to influence the case as both the plaintiff and the defendant!?! It also puts bayview in a conflict position when evaluating a loan modification or cooperating with a realtor. XXXX XXXX has no debt with Bayview Loan Servicing , LLC. 
XXXX. XXXX XXXX is very much alive and well. XXXX heirs, none of which are even close to the age of 18, is inappropriate. This practice was further compounded by someone trying to sow discord between XXXX XXXX and the children ( XXXX XXXX has shared custody ) by falsely suggesting to the children that XXXX XXXX is in some way trying to keep money from them. The only outcome of this action is forcing XXXX XXXX and the children into a housing crisis. Similar tactics were used with other family members.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX Account OPENED DATE : [ XX/XX/XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]