23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to file a complaint against Capital One for approving a loan application submitted fraudulently using my name and personal information. The company failed to properly verify my identity, which resulted in my identity being stolen. This has caused me significant pain and suffering as I am now unable to apply for or be approved for credit. 

The company 's actions violate several laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), which requires companies to take reasonable steps to ensure the accuracy of consumer information and protect against identity theft. Additionally, the company may have violated the Identity Theft and Assumption Deterrence Act, which prohibits the unauthorized use of another person 's personal information for fraudulent purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have a collection notated on my credit report from LJ Ross and Associates on behalf of XXXX Hospital. This is an inaccurate collection due to XXXX Hospitals payment posting to an incorrect account. This collection was immediately disputed with LJ Ross and XXXX Hospital was contacted and the collection was resolved. The collection is updated as paid but I believe it should be deleted. Both XXXX  and XXXX have failed to investigate my dispute which was submitted through XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$17000.00}
Product: Credit card or prepaid card

Bank of America credit card I never received the rewards for the card I had and I was charged a lot of late fee
Product: Debt collection

I have disputed this item on my credit report and won several times. But Enhanced Recovery Company keeps reporting it each time with a newer account opened date. Currently it is XX/XX/XXXX. I have called XXXX, the original credito, r and they gave me an account number. They said it was closed in XX/XX/XXXX, this was the year of my divorce so I assume it was opened by my ex-wife fraudulently. XXXX will not verify any other account info because my info does not match what they have on file. Either way, an eight year debt is too old to show up on my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, I Previously sent Transunion a copy of my government ID, Social Security Card, a copy of my police report ( XXXX ) and a copy of my identity theft report from the Federal Trade Commission ( XXXX ) despite sending Transunion these items they repeatedly send me a letter stating ( we recently received a request that includes your information but it didnt appear that you or a properly authorized third party sent it to us ) .All documents were mailed from my address on file and contained documents to confirm my identity. Transunion is violating my rights by not blocking unauthorized accounts and continuing to report fraudulent and unauthorized accounts on my credit report. Given that I have already provided the necessary documentation proving that these accounts are a result of identity theft, I am requesting an explanation as to why these fraudulent and unauthorized accounts have not yet been removed from my credit report. 
I kindly urge you to re-investigate my case promptly and ensure that all fraudulent information is removed from my credit report as required by the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The following student loan companies still show me having balanced and I no longer do. 

XXXX dates posted ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). These should all be removed. 

XXXX dates posted ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). These should all be removed. 

US DEPT of EDXXXX reports on my credit report twice and it should only be once. The report on XX/XX/XXXX Should be removed. 

Student loans will ruin your life forever.
Product: Debt collection

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. The biggest violation yall are in is HJR 192. As all depths are prepaid, there is no valid claim for any further payment. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and SECURITIES FRAUD. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed Immediately.
Product: Mortgage

ServiceMac Company is collecting escrow for an estimate of property taxes. 

My home is a new construction and was not complete in 2021 so I am being taxed on the property value only which is around {$1300.00}. 

But the company continues to collect escrow for the higher amount estimated. 
I have contacted company 5 times by phone and email and being told different things by each person. 

I have clearly sent them all information and requested the amount be adjusted and corrected and that they are over collecting almost {$6000.00}. 

They say they will look into it and nothing has been done for months and now they say to contact the tax office. I have done this already and they have nothing to do with escrow collection and that needs to be corrected by the company. 

They are refusing the correct the escrow amount or give me a refund for the severe over collection. 

I keep getting passed around to a new person who says to talk to the next person or asks me to re-explain everything over again. 

All that has to be done is refund the over collection and adjust the escrow to match the correct tax amount but they are not doing this and keep passing me around.
Product: Checking or savings account

I opened an account with XXXX.I wanted to buy XXXX dollars of XXXX stock.. they withdrew the XXXX from my account on XX/XX/2021 and I have not be able to access my account for three weeks. I called and email over 20 times and neve got a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I REVIEWED MY CREDIT REPORT AND I DON'T RECOGNIZE THE INQUIRIES
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband passed away in XXXX, 2019. He had a XXXX  credit card. I was an authorized user. Now XXXX XXXX XXXX has impacted my credit score by reporting that I am late with the payments. I never used the card after his death. My score dropped over 40 points in one month because of this error. Authorized users are not responsible for payment and should not have their credit affected, especially WIDOWS!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX XX/XX/2025 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Reporting by Bridgecrest/XXXX Dear CFPB Representative, I am writing to formally dispute the accuracy of the information being reported on my credit file regarding my account with BridgecrestXXXX. Despite my diligent efforts to address and resolve this issue, BridgecrestXXXX has failed to provide verifiable evidence supporting the late payments they continue to report. This misinformation has caused substantial harm to my creditworthiness and financial stability. 

I took the proper steps to dispute the reported late payments and requested a thorough investigation from BridgecrestXXXX. However, during my communication with their representatives over the phone, I was informed that they are unable to verify the accuracy of the reported late payments. They admitted that their records are limited to basic account summaries and statements, and they lack the necessary documentation or systems to conduct a full investigation. Despite this, the incorrect information remains on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), creditors are required to ensure that the information they report is accurate and verifiable. If they can not verify the accuracy of the information, it must be promptly removed from my credit report. BridgecrestXXXX failure to meet these standards is a clear violation of my rights as a consumer. 

The continued reporting of these inaccuracies has significantly impacted my life by : Hindering my ability to secure employment, particularly for positions that require comprehensive background checks. 
Preventing me from obtaining a mortgage to provide a stable home for my family. 
Limiting my ability to access future credit opportunities to rebuild my financial stability.

As a dedicated professional employed with U.S. Immigration and Customs Enforcement and the primary provider for my wife and young daughter, these inaccuracies create unnecessary and unfair obstacles for my family and my career aspirations, including my upcoming training at the XXXX academy in XX/XX/2025. 

I respectfully request that the CFPB : 1. Investigate Bridgecrest/Carvanas

failure to properly investigate my dispute and verify the accuracy of the reported information.

2. Require Bridgecrest/Carvana to provide concrete evidence supporting the reported late payments or delete the unverifiable information from my credit report immediately. 
3. Ensure that Bridgecrest/XXXX  complies with FCRA standards XXXX protect consumers from the consequences of inaccurate reporting. 

Enclosed, I have included copies of my written dispute, any correspondence with Bridgecrest/XXXX  XXXX and additional supporting documentation. 

Thank you for your attention to this matter. I trust that the CFPB will take appropriate action to ensure this matter is resolved fairly and that my rights as a consumer are upheld. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Following up on a previous complaint ( ID : XXXX ), I confirmed that American Express does NOT have a Welcome offer that ever states that the card user must purchase {$5000.00} in 3 months to receive 75,000 points. Screenshots from XX/XX/XXXX & XXXX, XXXX, as well as XX/XX/XXXX all indicate that the user must spend {$4000.00} in 6 months. The only change is the ability to receive 60,000 or 75,000 points. However, I signed up for the original offer to spend {$4000.00} in 6 months to receive 75,000 points. American Express has never provided me physical proof that the Welcome Offer I signed up for was the {$5000.00} in 3 months, as it does not exist and I did not sign up for that. I specifically signed up for the Welcome offer to spend {$4000.00} in 6 months to receive 75,000 points.
Product: Checking or savings account

I was hired as an XXXX XXXX to someone pretending to be the XXXX XXXX from XXXX about two months ago. I was told to deposit a mobile check. I had deposited and my bank ( Wells Fargo ) had pushed the check through and the money was shown in my account as being available on XX/XX/. I then was told to send the funds in my account via XXXX, XXXX XXXX and XXXX to different people. The funds were showing available in my account as WF had pushed the check through so I did not think otherwise that this check was fraudulent. I sent the money over and then a couple days later on XX/XX/23 my bank reversed the check and had taken the money back out of my account, however since I had already sent the money that I thought was available my account went negative. I filed multiple claims with Wells Fargo all of which were denied after they had given me the money back and then re took it out again. I am now XXXX $ in debt from this scam and live paycheck to paycheck so this is very frustrating for me as I have been banking with WF for over 15 years. When I received a call from WF executive office they said there is nothing that they can do to help me and that I if I can not pay this off it will be sent to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Last 4 of XXXX XXXX & XXXX XX/XX/XXXX Credit Bureau XXXX XXXX Experian XXXX To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE of {$830.00} on Experian, XXXX, and XXXX how can First Premier, opened XX/XX/XXXX This is a violation of the FCRA 15 usc 1681 ( I ) 15 usc 1681 ( n ) Civil liability for willful noncompliance 15 usc 1681 ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report. 
I await your reply as I have already waited 30 days and you have Failed to complete an complete investigation on this account Their is also false inaccurate incomplete Inconsistent payment history made so all three reporting agencies Experian shows payment history within the last 24 months This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately : XXXX shows payment history within the last 24 months This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately : XXXX shows no payment history within the last 24 months
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding an unresolved credit report issue that is severely impacting my credit score and jeopardizing my ability to purchase a home. Despite multiple attempts to resolve this directly with XXXX XXXX XXXX XXXX, the inaccurate reporting remains on my credit report, and the credit bureaus have failed to make the necessary corrections.

Here are the details of the situation : 1. I paid my XXXX XXXX credit card bill of {$1400.00} before the statement closed. However, XXXX XXXX reported me as late and over the limit to all three credit bureaus ( Experian, XXXX, and XXXX ), resulting in a derogatory mark on my credit report and a nearly 100-point drop in my credit score. 
2. I provided proof of the timely payment, including XXXX XXXXXXXX XXXX confirmation that the payment was made on time and processed correctly. I submitted this proof to all three bureaus, yet the derogatory marks remain on my credit report. 
3. Despite my efforts to resolve this with XXXX XXXX, they continue to insist there was no issue with the payment, providing an explanation about delays related to weekends and holidays, which does not address the core error in the reporting to the bureaus. 
4. I have already disputed this matter with the credit bureaus, but they have not corrected the error. I have sent proof of XXXX XXXX statement that the payment was made on time to all three bureaus, yet my credit report remains inaccurate. 

I am currently XXXX XXXX XXXX XXXX XXXX and in the process of purchasing a home. This issue must be resolved immediately or I will be unable to close on the home, which is causing me significant stress and emotional hardship.

Given the urgency of this situation, I request your immediate assistance in ensuring the credit bureaus correct the inaccuracies in my credit report and update the information with accurate details from XXXX XXXX. This situation is time-sensitive, and I ask for your prompt intervention to ensure this matter is resolved without further delay. 

Thank you for your attention to this critical issue. I look forward to your response and assistance.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Product: Credit card

Interest Rate promotion expired XX/XX/2023. I made an extra payment in order to clear the promo interest rate expiring XXXX. According to Discover the minimum payment is applied to the 0 % interest rate, followed by the 2.99 % and ANY additional payment is applied to the highest interest rate 17.24 %. They did NOT follow their internal policy and procedure. The extra funds were applied to the 2.99 % rate inflating my balance for 17.24 % purposefully to create fraud against the consumer. This needs to STOP!
Product: Money transfer, virtual currency, or money service

BancorpSouth is denying refund of {$2500.00}. 
Due to the impersonation of an XXXX customer assistant telling XXXX XXXX that he must transfer funds from his BancorpSouth accounts to XXXX, he did so but when this criminal said he must have a copy of XXXX drivers license, XXXX told him this must be a scam and the bank will be notified then XXXX disconnected the phone. 
XXXX immediately called the BancorpSouth info line to report the scam : He reported what had taken place and the BancorpSouth person said the funds were still there and that the same thing had happened to her and that her money was recovered. 
When XXXX followed up in person with the bank the next business day which was a Monday, the bank said the funds were gone and they had him give an affidavit to a bank rep by phone. 
The bank has denied the claim of fraud stating that XXXX gave his permission to transfer funds to zell. The XXXX impersonator repeatedly told XXXX that this method of transfer was required in order for him to do business on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by XXXX XXXX XX/XX/XXXX I applied for and was approved for the Covid 19 Forbearance protection under Cares Act. Under this protection my account was to show Forbearance and current. It was this way for a year. In XX/XX/XXXX I applied for and was approved for a loan modification. I qualified under Covid 19 Cares Act which allowed the lender under FHA to defer the past due amount. They did so but instead of showing that my new payments were due XX/XX/XXXX, they reported my credit late for the previous months that I was to be protected. I asked that they correct my credit. They had me send a letter. I did so, and my credit is still showing late with XXXX XXXX it was first reported late XX/XX/XXXX and now showing over 120 days late for XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts have all been removed from my XXXX credit reporting account I would like XXXX, and Equifax to do the same for the following accounts XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX AccountXXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

XXXX5 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, XXXX, or harass any person at the called number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and SS card to show who i am Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$660.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$330.00} Account Name : XXXX XXXX  XXXX  Account Number : XXXX Account was opened : XXXX XXXX Account Balance : {$2600.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1600.00} Account Name : Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$48.00} Account Name : Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$140.00} Account Name : Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$940.00} Account Name : Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$99.00} Account Name : XXXX XXXX XXXX Account Number : XXXX-XXXXXXXXXXXXXX Account was opened : XXXX XXXX Account Balance : {$3000.00} Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$930.00}