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

Last year I found a false account with Discover reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but Discover denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but Discover refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes 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. 2025-CFPB-0002 ) 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. 
I want reported accounts to be removed. 
Happy XXXX XXXX XXXXXXXX XXXX XXXX Sincerely, XXXX XXXX
Product: Mortgage

I have been trying to work with this company for over a year to address XXXX related issues I had paying my mortgage. They will not acknowledge any of the proof that I send them in regards to the condition of the property. I have sent in docs more than 6 times and continue to get the runaround. I have asked for a in person appraisal to come out and look at the property and they will not do this. Please Help
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX  # XXXX, has violated my rights. I looked at my Equifax credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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

I Have filed a dispute in regards to incorrect items on my credit report it has been well over 30days and i haven't received any investigations results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking forward to buying a new home when seeing my credit report and seeing a installment loan was made in my name that i had no knowledge of this is stopping me from moving forward with my life as a whole Equifax, XXXX, XXXX They have failed to remove information that was affiliated with personal details that were challenged in the past I strongly believe that they are in violation of the FCRA and refusing to uphold the law
Product: Debt collection

The debt collector contacted Me via Cell Phone XXXX XXXX. At this time she told me I had a Debt of $ XXXX and needed to resolve this before she sent me to jail for writing a false check. Understanding that I do owe the debt, we worked out a payment arrangement. After a 30 minute discussion about my bills and what I could afford, she came up with a schedule, and amount of payments to be made ( Monthly Payments, XXXX at {$60.00} Each and XXXX for {$25.00} Each totaling {$220.00} payments for 6 months ) and she would eliminate the debt completely. After satisfying all payments, The last of which was in XXXX, I assumed the debt was settled. She then started calling me XX/XX/XXXX saying we need to set up a payment agreement to finish of the rest of the loan amount, and that we had never agreed to what i had already paid. After multiple harrassing phone calls in the very early morning and late evening, I called and left a voicemail. I told her specifically that i could not afford to continue paying anymore and that I could afford to pay off whatever we could agree on in XXXX When i get a little extra pay. XXXX XXXX She called my wife 5 times asking for me. After my wife answered she explained to the lady that this is unacceptable behavior and asked what this was about. The lady rudely said that her supervisor took the account from her a week ago, that he had taken it to their attorney 's office, Issued a warrant for my arrest, and i was to be served with papers the following business day. I Immediately received a frantic call at work from my wife telling me what was happening, and called her back. This time her story changed. They had n't Issued a warrant yet, and she could stop the process if i set up a payment agreement. So i set up a payment agreement, and intent to fulfill it. She asked me the payment dates, and i gave her specific instructions to deduct our agreed XXXX {$100.00} payments on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. After our conversation she said she would send me an email containing the payments, and that if i did not complete it asap, the warrant would still be issued and i would be arrested. The form she sent me has different dates on it Payment # 1 XXXX/XXXX/XXXX for {$100.00} & Payment # 2 XXXX/XXXX/XXXX {$100.00}. This is not our agreement and i can not afford to be jailed for a {$600.00} check i never wrote! Any help would be appreciated.
Product: Debt collection

Upon discovery after viewing my consumer report I see that CEO XXXX XXXX & FirstPoint Collection Resources , Inc. is reporting two alleged debt ( s ) onto my consumer report. I am invoking my specified remedy as the true original creditor pursuant to 15 USC 1692c ( c ) ( 3 ). I am demanding that XXXX XXXX send me verification - ( sworn under oath 28 USC 1746 ) of both alleged account ( s ) pursuant to 15 USC 1692g ( b ). I am also demanding FirstPoint Collection Resources , Inc cease all collection & communication activity through any & all mediums pursuant to 15 USC 1692c ( b ) & 15 USC 1692c ( c )
Product: Credit reporting, credit repair services, or other personal consumer reports

never late on my panyments M & T Bank loan # XXXX MT Bank XXXX XXXX XXXX XXXX Md XXXX
Product: Credit reporting or other personal consumer reports

I pulled my report and seen some fraudulent hard inquiries on them. I need them removed immediately.
Product: Credit card

XX/XX/2023 I had to get my dve to Inside to a malfunction.Upon rushing which I left the following items inside the glove compartment : My drivers licence, my wallet which contained XXXX cards including my, navy federal credit card ending in XXXX, my social security card {$1900.00} dollars. By the time I realized the items was still inside the car after a few days when I went to aamco where the car was towed to ; the items was missing. My navy federal ending in XXXX was charged XXXX during that time without my consent along with unauthorized inquiries being conducted and attempted withdrawals from my accounts along with my navy federal checking account. I called Navy Federal to inform them and dispute the fraudulent charges but not only did they deny my claim and closed my credit card but also reported the balance to the credit bureaus, thus ruining my chances for approvals with other lenders
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent the credit bureaus ( XXXX, XXXX XXXX Equifax ) a letter of investigation, to conduct and verify everything on my credit report is 100 % accurate on my credit report. Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX The credit bureaus stated that my accounts are property investigated, but how is that possible if the open dates are inaccurate, the dates last active are inaccurate, and the dates last reported are inaccurate. This is ground for removal as they also violated my rights under. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 USC 1681 section 602 A. States that I have the right to privacy According to : 15 USC 1681 Section 604 A Section 2 : It states that a consumer agency can not furnish a account without my written instructions. According to : 15 USC 1681s-2 ( A ) ( 1 ). States that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Credit card

Dispute # XXXX was initiated on XX/XX/24 re : a transaction made at XXXX XXXX XXXX for {$300.00}. The service/solution provided by XXXX XXXX, an accounting software, was not the product that was advertised on the XXXX XXXX website. An attempt to contact XXXX XXXX was unsuccessful as I was told they have a no refund policy on software ( even though they falsely advertised their this software ). 
A dispute was made with DISCOVER ( the card used for the XXXX XXXX transaction ) and initially tentatively " ruled '' in my favor. Apparently, and randomly checking the Discover website, the " ruling '' was reversed on XX/XX/24 ( no documentation found in secure inbox on Discover website or in the mail. XXXX, not even an email that the " ruling '' has changed. ) An affidavit was signed and provided to DISCOVER among other screenshots showing the product they advertised was just XXXX XXXX XXXX XXXX being it does not do automated reconciliation built in with the fee paid above.
Product: Debt collection

On XX/XX/2018, I received a call from XXXX XXXX of XXXX XXXX XXXX, XXXX, XXXX, debt collectors. My case number is # XXXX. She was calling about a XXXX XXXX on which I owed a balance of around {$7000.00}. She agreed to settle the case for {$4300.00}. I paid it and Ms. XXXX sent me a document releasing me from any further responsibility for the debt. 
This morning, I received a phone call from Mr. XXXX of XXXX XXXX XXXX, XXXX ( caller ID ), who gave me a call back number of XXXX, case no : XXXX, amount owed : {$7000.00}. Mr. XXXX said they had sent several letters to an old address to warn me that his law firm, who had power of attorney over the debt, was taking me to court and that I could pay upwards $ XXXX for the outstanding debt. I informed Mr. XXXX that I had already paid that debt. He began to yell at me telling me I paid the wrong people and that I should cancel that check and now deal with XXXX XXXX XXXX. He continued to tell me that no one else had power of attorney over the case, and I was going to see them in court. 

I called Ms. XXXX of XXXX XXXX XXXX. She said these debts go out en mass and sometimes there is overlap among other debt collectors. She asked me for Mr. XXXX information and said she would get her supervisor to give them a call. She also told me that I should not answer their calls anymore. 

I have had to pay a couple of other debt collectors, but there is no real way to check to see if these people are legitimate. They call you up, ask for you by name and then when you acknowledge that you are the person they are calling, they begin to ask you to verify sensitive information about yourself, social security, address, etc. Then you are expected to pay them the sums over the phone. There is no listing on XXXX for XXXX XXXX XXXX or XXXX XXXX XXXX, debt collectors. They say they've been mailing you information. They have not. I ask them to send the notice to my email. They refuse. They all feel like scam artists. Yet they tell me that what they are doing is covered under the law. 

I have proof I paid XXXX XXXX XXXX. I spoke with Ms. XXXX today to verify that the case has been settled through XXXX XXXX XXXX. But, I have no idea if these people at XXXX XXXX XXXX have any legitimate claim and I don't know if they are going to try to pursue this any further. It makes for a very stressful feeling. You are already stressed because you owe the debt. You finally are able to pay it and then these debt collectors begin to bandy it about, lie, harass and be argumentative, threatening you with court. And there is nothing you can do about it.
Product: Payday loan, title loan, or personal loan

Dealt with XXXX XXXX XXXX XXXX XXXX  as a contact for landscaping for my back yard. I met with XXXX XXXX and discussed getting landscaping for my yard. He quoted me a price of around $ XXXX for my yard. I explained that I wanted to check with another company for a quote as well then he offered me a percentage off my yard if I signed with him that day ( XX/XX/XXXX ). I told him that I have someone else to come by and he stated that his prices would be the cheapest with a 16 year warranty if anything was to happen to parts of the yard. He stated that I would 20 % off my price with the warranty and all I needed to do was place signage in my yard for 2 weeks and allow pictures to be posted to their XXXX account of before and after pictures to receive the discount. He stated that the price would be around {$13000.00} with out the retaining wall I inquired about. I reluctantly agreed to see if I would qualify for the loan. He stated that there are different options and that he suggested that I go with the longer payment plan with cheaper payments and just make more payments to pay it off faster. The financing would be 12 years at the lower monthly payment he stated. He stated that I was approved and just needed to sign the forms. I signed the original forms on XX/XX/XXXX and he stated that I will need to sign electronically when he returned in a couple days ( XXXX ) for the workers to begin work. He stated that the papers I was signing electronically was the exact papers of the actual papers signed on the first. The documents never stated and interest first loan in which I later found out after contacting the company. XXXX was scheduled to come to my home to do a final walk through for the yard and he was more than an hour late after the scheduled time. XXXX XXXX XXXX XXXX XXXX XXXX XXXXl. He rambled about things that were not about the yard after stating the yard looks good. I came home to my yard with plates from the workers lunch and the black tarp above the gravel.This was corrected after I was assured that it would be. I was told by him my payments would start in XXXX then it changed to XXXX then to XXXX of XXXX over time. This allowed for interest to build. I contacted the company after noticing the first payment did not look applied to the account. Customer service stated that it hasn't been applied yet. Second payment was made and I notice the balance went up instead of down and I contacted them back and that when I was told that this was an interest first loan. If I would've known it was an interest first loan, I would not have gone with the deal. I sent a letter of Cease and Desist then Affidavit of truth pointing out the deceptive and unfair debt collect practice along with obtaining my information under false pretenses and failure of allowing my to opt out of certain report per my consumer rights. I am supposed to have an agreement that is clear and conspicuous as well and that it was not so I also included my invoice as a Notice of Default and Opportunity to cure.
Product: Vehicle loan or lease

GM Financial is incorrectly reporting this account as past due. On my credit report, it states that they have not reported any payments since XX/XX/2017. This caused me to not be able to buy a home as it severely damaged my credit score. After speaking with the company numerous times they continue to state there is 'nothing they can do about it. ' Inaccurately reporting my account as delinquent is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I purchased a golf simulator from XXXX XXXX XXXX 

The financing was through XXXX/XXXX - XXXX In XXXX - of XXXX I convinced XXXX XXXX XXXX to return the product due to defective performance which they agreed to accept the return. 

so they took the return but didn't refund the entire amount and left a balance of around {$150.00} bucks on the XXXX financing that I was not aware of and then I got a reporting of 60 days late in XXXX of XXXX. I spoke to XXXX and they said the entire amount was in fact refunded but weren't aware of why the little balance was remaining and that it must have been a charge from XXXX. XXXX said it wasn't one of their fees but rather, XXXX had requested a refund for the incorrect amount. 

The transaction was reversed completely and therefore this remaining balance that I ended up paying to prevent a 90 day late should have never been left on the account. I also lost out on the payments I made for 6 months to XXXX for the financing or so on the product even though the transaction was reversed and the product refunded. 

The financing was for {$2800.00} and opened on XX/XX/XXXX. 

Also, the reporting is not accurate as it just has a 60 day late listed in XXXX of XXXX but never had a 30 day late listed. The 60 day late is listed on my XXXX  and Equifax and not XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian and XXXX XXXX for inaccurately reporting a medical collection account ( Account Number : XXXX ) on my Experian credit report, which violates my consumer rights under federal law. I never had an agreement with XXXX XXXX, nor did I receive correspondence from them regarding this debt. Additionally, the alleged debt was never verified with the original creditor, and I am exercising my right under the Fair Debt Collection Practices Act ( FDCPA ) to demand a cease and desist from further contact and reporting of this account. Furthermore, under the new Consumer Financial Protection Bureau ( CFPB ) rule announced by the XXXX administration, unpaid medical bills will no longer appear on credit reports which was effective 60 days after publication. Additionally, I am concerned by the recent CFPB lawsuit against Experian for sham investigations of credit report errors, which further questions the integrity of your reinvestigation procedures. I demand the immediate removal of these accounts from my credit report. Continued non-compliance will result in legal action under FCRA Sections 616 and 617 for negligent non-compliance.
Product: Credit card or prepaid card

On XX/XX/2021 I made my payment in full after I made my payment on XX/XX/2021 I went on line and checked my credit statement and noticed that there were some payment made on my account that I didn't make so I file a dispute with Indigo credit company in XX/XX/2021 ( I don't remember the date ) so the company total me that I could not use my card for 30 days and they would send me a new credit card. So when I receive the new credit card I didn't not activate until XX/XX/2021 so the next day I check my credit card statement I noticed that there were payment still made on my credit card so I call customer service to talk about my account they started ask me for my password and I told them that I didn't help put a password on my account, and I asked the customer service lady how do you go by putting a password on the account, she told me that I would have to call in to speak to someone to put in the password, so on XX/XX/2021 I got a letter in the mail saying I owe {$290.00} so I call customer service spoke to customer service and she ask me for a password and I told her I didn't not put a password on my account so I ask to speak to a supervisor so the supervisor came on the phone and I explained that there were problems on my account and I didn't put a password on my account so she took down my complaint and she stated that she was going to report it to the Faurd Department and she was going to block my account so it could not be use until the matter is resolved and she would call me back by Wednesday as when Wednesday can no calls Indigo did send me another credit card so I call the customer service again to talk about my account and this time no one ask me for a password and I told them that I would not activate this card because I have had so much problem with someone changing things on my account that I will not activate this card and they told me that they understood. So that mean when a Fuard complaint was made they send me another card so I have not activate because I'm afraid. So I check my credit card statement and saw that I still owe them {$49.00} dollars that was due on XXXX XXXX so I call on XX/XX/2021 to make a payment {$49.00}, so when I spoke with payment center again no ask me for a password I discussed my account with them and said I would like to make a payment and so they told me that I didn't need to make a payment because I didn't owe them anything that they owe me {$62.00} so they told me that they could send it to me in a check, I was shocked so I said that I would call you back. So I call on XX/XX/2021 trying to discuss my account once again and they are still asking for a password something that I didn't put on the account. I just want my refund and the account closed with them. The supervisor told me to mail them my driver 's license along with a letter. I told them that you must be crazy to give you more information on me. Help I do not want to deal with Indigo credit card company anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I successfully completed rehabilitation of my federal student loans in 2018. Per the rehabilitation letter I received from the company, " ED will request that credit reporting agencies remove the record of default on the rehabilitated loans '' US Dept of Education has my loans listed as open and payment status as current, however a previous servicer, Utah Higher Education Assistance Authority, still has these accounts listed as closed and sold to another lender, but they still have them in a negative status on my XXXX, XXXX, and XXXX   credit reports. I have requested from them to update this as well as submitted disputes online through the CRA 's, however these have still not be updated to reflect a positive payment status. This reporting by the company is severely impacting my credit scores.