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

I have a XXXX XXXX XXXX ending in XXXX They restricted this card so I couldn't use it almost 3 years ago. I have requested they close it multiple times because they keep charging me a fee every year ... yet they don't let me use it. 

They recently charged a fee and my account is late now for a fee THEY charged on a card I cant use and that I thought was closed the LAST TIME i had the pay the fee. 

I contacted my attorney and he said they are in violation of the Fair Debt Collection Practices Act and the FCRA. 
I called them yet again about my account and they claim they will not fix it. 
-- HOW CAN IT BE LEGAL FOR THEM TO FORCE ME TO PAY THEIR FEE ON A CARD I HAVE REQUESTED TO CLOSE AND THEY WONT LET ME USE??? 
THIS IS AGAINST THE LAW AND I DEMAND THEY REMOVE ALL THE FEES FROM MY ACCOUNT AND THE LATES FROM MY CREDIT AND CLOSE THIS ACCOUNT!!!!!! 

I need this fixed as this is affecting my financing specifically and that is another violation which I am prepared to take legal action.The late on my credit needs to be removed today.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are negatively impacting my credit score, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically, the following accounts and inquiries are questionable or unauthorized, and I request that they be clarified or removed immediately : XXXX XXXX XXXX, Account Number : XXXX - I question the name and number of this account, which may be inaccurate or incomplete. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. 

XXXX, Account Number : XXXX - I question the name and number of this account, which may be inaccurate or incomplete. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. 

XXXX XXXX XXXX, Account Number : XXXX - I question the name and number of this account, which may be inaccurate or incomplete. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. 

XXXX XXXX XXXXXXXX, Account Number : XXXX - I have no recollection of this account and believe it to be frivolous, which may be in violation of FCRA. Under FCRA, I have the right to request that fraudulent or unauthorized accounts be removed from my credit report. 

XXXX XXXX, Date of Inquiry : XX/XX/XXXX - I did not authorize this credit pull and demand that it be removed from my credit report, which may be in violation of FCRA. Under FCRA, I have the right to request that unauthorized inquiries be removed from my credit report. 

XXXXXXXX XXXX Account Number : XXXX - I do not recall ever being associated with this unfamiliar company and question how this account is being continuously verified, which may be in violation of FCRA. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. 

I request that you investigate these items and provide me with a written response detailing the actions taken to resolve these disputes within the time frame set forth by FCRA. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I was on a Covid FB plan for a few months and in XXXX I accepted a Covid Deferral but I feel the deferral was not processed correctly as they did not defer the escrow payments ( which I read should be deferred on a XXXX  Loan ) I tried to contact them on the issue and have spent 15-20 minutes last week and 15-20 this week just trying to get to someone who can help me. I was told by customer service I need to speak to Loss Mit and then by Loss Mit that I need to speak to customer service all while not allowing me to speak to a sup about the issue with what they claim is an over {$4000.00} escrow shortage. I have been hung up and today while explaining my issue was transferred back into the call queue. I have asked for a Sup or anyone to assist with my issue and have gotten zero help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is not reporting correct information to the credit agencies. XXXX  is reporting that the mortgage is closed. They are also reporting an incorrect balance. My account is still active and has been current since XX/XX/2018. I spoke with XXXX   on a recorded line in XX/XX/XXXX they advised that it would begin to report correctly. XXXX has since not updated my information with any of the credit agencies. I spoke with XXXX on a recorded line again in XX/XX/XXXX and they advised they are not reporting because I have a dismissed bankruptcy, and if I wanted it corrected I would need a reaffirmation document. I reached out to the attorney the represented me in my bankruptcy filing and they advised that reaffirmations are only for chapter XXXX   cases. I had chapter XXXX  reorganization and they should be reporting accurate information. XXXX  reported my account as closed and past due in XX/XX/2018. At that time it was the plan of XXXX to foreclose on my property. I was able to gain assistance and mortgage reinstatement through a state funded program that paid all of my missed payments. With this complaint I want for XXXX to begin to report my mortgage on my reports as active and current dating back to XX/XX/2018. I have filled a previous complaint on XXXX because I felt I was a victim of racial discrimination. I still feel this way as evident in their unwillingness to provide assistance during my hardships, and currently by reporting information that destroys my credit rating.
Product: Credit reporting or other personal consumer reports

I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Im sure we both understand that most disputes are often conducted using software, such as e-Oscar, and that mistakes can be made during that process, and that the software can have limitations when it comes to completing a proper investigation of records. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Dear customer service representative, I redeemed my membership reward points on amextrave.com on XX/XX/2021 and tried to pay with points when I booked a ticket. However, when I placed the order, I received the confirmation email which stated that Your booking has been charged to your credit card, however, we were unable to process your Pay With Points request due to a system issue. Then I contacted amex customer service to redeem the points for that transaction. As a benefit of the amex business platinum account, I should receive a 35 % points back for that transaction. However, amex denied the 35 % points back without giving any specific reason. 
I chatted online with amex, called the membership rewards team, called the amex travel team for the issue, no one could help me to solve the issue. Furthermore, the membership rewards teams freeze my membership account without any notice. It is ridiculous and disappointing. 

Business platinum account ending in XXXX
Product: Debt collection

On XX/XX/XXXX, i mailed a cease and desist notice to Portfolio recovery associates LLC. via priority mail. They kept calling me stating i owe them for 2 accounts. I have not done any business with them. I have requested for them to send me the original contract with my signature. The first amount they are stating i owe is XXXX and 2nd amount they are stating i owe is XXXX. I have contacted repeatedly to remove it from my credit report as i do not owe them any money. I tried disputing it with all 3 credit bureaus and no luck. On XX/XX/XXXX i requested to start a dispute with portfolio recovery associates. I have not received any updates.
Product: Debt collection

Phoenix Financial Services reported on my Credit Report that I owed {$710.00} to XXXX XXXX in XXXX. When I called the hospital they informed me the debt was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2019 my chapter XXXX bankruptcy was officially discharged by the courts which included my golden one credit card account. To this day the company continues to report to XXXX and XXXX each month saying I have a outstanding balance and hitting my report with charge off marks each month which has drastically brings my credit score down. This account should not be valid after the chapter XXXX bankruptcy declaration of discharge and should be removed immediately along with all previous derogatory marks from XX/XX/2019 to present. Ive reached out to Golden one who offered no resolution but acknowledged that they are aware this account was in my bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian Agency many times before ; last time was on XX/XX/2020 and spoked to XXXX XXXX XXXX about a Fraudulent Medical claim which has been dublicated now even though was paid initially by my Insurance. Both were Unprofessional, Rude & refused to solve & investigate my claim, as it happened every time i contacted Experian. I believe that Experian does it on purpose to consumers in order to sell credit reports with negative items ( which are more expensive ) to Suprime Lenders, as many Studies proves that in addition to that 80 % of Experian Credit Reports have mistakes. Only a Criminal Enterprise will act this way, maybe they are. Obviously is known that Experian Bribes Corrupted Politicians in order to be in business and Ignore the Law, just like a Mafia. Only in America.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has intentionally committed fraud by reporting fabricated account information to credit bureaus and refusing to correct it despite being confronted with disputes. The calculated false information suggests malicious intent to inflict financial harm. The supporting documentation exposes XXXX XXXX and a violation of constitutional rights due to unsatisfactory business practices and XXXX discrimination. This has resulted in irreparable harm, including financial loss, XXXX XXXX, damaged credit, missed work, and anxiety. 

XXXX XXXX XXXX performed an unwarranted soft credit check on me in XXXX of 2024, which further supports my claims. 



Please see word document, CFPB Equifax, XXXX, and XXXX dispute.
Product: Debt collection

I am requesting a copy of my signed lease contract to prove that I have accepted and agreed to any charges. It is illegal to charge for something that I have not accepted or signed. According to the law, I have the right to evidence and the only thing they have sent me is a payment history with dates that they claim I owe them. However, this is not true as I was not living in the apartments when they claim my first default was. I have spoken with the administration several times, but they do not have a copy of my contract or any information about it. I have disputed this multiple times but have not received any response. According to the fair credit law, I need all the proof that the account is mine.
Product: Credit reporting or other personal consumer reports

Owner of account had filed bankruptcy which was settled in court and paid {$3000.00} court agreement which was the remaining balance of lease. Now company trying to reclaim {$14000.00} which this account is settled by the owner of the account in bankruptcy case. I no longer was with the individual as this was settled back in XXXX
Product: Debt collection

Over 5 years ago, I received a collection notice for a XXXX debt that was not mine. Someone had opened a XXXX account in my name in another state and never paid that bill. I immediately contacted the debt collection agency and they took it off their records. I then contacted XXXX and got it taken care of. Today, I received a debt collection notice from Convergent Outsourcing Inc. for this same debt. I called Convergent and explained the situation to them, and they are to send me a fraud packet to complete and return. I wish I hadn't called them because I gave them personal information and now I'm reading that they are a scam company. This debt has never appeared on my credit report.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, XXXX XXXX XXXX XXXX reported XXXX XXXX account as " 30 days '' late. This resulted in XXXX XXXX credit score ( s ) dropping " XXXX '' credit score drop across all 3 credit bureaus : XXXX, XXXX XXXX and TransUnion XXXX 

On XX/XX/year>, XXXX XXXX XXXX XXXX reported XXXX XXXX account via Consumer Financial Protection Bureau website as THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. 

Your agency been provided proof XXXX XXXX credit scores initially dropped XXXX points In XX/XX/year> across all 3 credit bureaus : XXXX, XXXX XXXX and TransUnion due to incorrect credit reporting, by Select XXXX XXXX XXXX You have been provided proof Select Portfolio XXXX XXXX has corrected & updated XXXX XXXX account with the correct information stating, THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. If your agency has reported no late payments listed for XX/XX/year>, from XXXX XXXX XXXX, XXXX XXXX credit score should be immediately restored & increased by XXXX points by your agency. 

Reducing XXXX XXXX XXXX XXXX ( XXXX ) by XXXX points based on incorrect information is illegal & a violation of his rights under the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C . 1681 et seq. Any refusal to restore XXXX XXXX credit scores by the XXXX points your agency initially took from him in XXXX of XXXX ( based on incorrect information ) is illegal & a violation of his rights under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C XXXX XXXX et seq. 

On XX/XX/year>, XXXX XXXX XXXX XXXX provided your agency proof via Consumer Financial Protection Bureau website they corrected XXXX XXXX account stating, THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. Thus, correcting their mistake in XX/XX/year>. 

Therefore, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., XXXX XXXX credit score ( s ) should be immediately restored/increased XXXX points by all 3 credit bureaus : XXXX, XXXX, and TransUnion. The corrective actions by your agency should result in XXXX XXXX credit score ( s ) increasing by XXXX points and ranging from ( XXXX ) points respectively.
Product: Checking or savings account

I have sent them all the documents, emails, phone calls, and chats for a week and they still do not want to unlock my account. Even when I was told I will be out of my hotel room by XX/XX/2023 and have any money for food, laundry, pay for my room, and to ride the bus. I can't even put my checks in my account to cash and I fled from XXXX XXXX. They still did nothing. I will be homeless or forced to go back to the XXXX place I just left because of them. 
Email dates : XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2023 XXXX XXXX, XX/XX/2023 XXXX, XX/XX/2023 XXXX XXXX  Phone dates : XXXX, XXXX, XXXX, XXXX Chat dates : XXXX If you need more please contact me ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax fails to report correctly and update information, There are two collection accounts from XXXX XXXX XXXX that I sent information to the credit bureau advising these are not my accounts. I also sent them information advising them that these medical accounts are a hippa violation. It has been over 30 days and the accounts have not been removed. I also sent information disputing the 30 day late for XX/XX/2021 for XXXX XXXX XXXX and this has not been corrected either and it has been over 30 days. They actually removed the Medical accounts and put them back on there. These XXXX XXXX XXXX accounts need to be deleted immediately.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

U.S. Bankruptcy Court
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Product: Credit reporting

Equifax is reporting a bankruptcy on my credit report that 's has been discharged Equifax reported to me they verified the bankruptcy which they did not they used XXXX which also did not verify I have enclosed a letter from the courts They Do Not Verify Bankruptcy therefore Equifax violated the Fair Credit Act by providing false information I want this deleted from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there! 
I hope youre doing well today. This company put high inquiries on my credit file but I didnt give them authorization. 
They put inquiries on : XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 Therefore Im asking them if theyd kindly remove those inquiries. 
Thanks
Product: Credit reporting or other personal consumer reports

am filing this complaint against American First Finance regarding inaccuracies in the reporting of a charged-off account ( [ Account Number : XXXX ] ) on my credit file. The account is reported as charged off with a balance of {$2100.00}, and there are significant discrepancies in the high balance history. 

Details of the Dispute : Charge-Off : The account is listed as charged off with a balance of {$2100.00}. 
I requested validation of the charge-off, including a breakdown of fees, payments, and account history, but no documentation was provided. 
Balance Discrepancies : The high balance history on the account shows inconsistencies, particularly between XX/XX/XXXX and XX/XX/XXXX, which I believe are inaccurate. 
I requested clarification and detailed records explaining these discrepancies, but American First Finance has not responded. 
Violation of Consumer Laws : Under 15 U.S.C. 1681i ( a ), I have the right to dispute incomplete or inaccurate information, and the furnisher is required to conduct a reinvestigation.

Under 15 U.S.C. 1666, creditors must resolve billing errors and provide a full explanation of any discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 120-150 ) days late on XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was in the middle of a child custody case and was instructed by my attorney not to continue to pay child support until after the court made its final decision as to who was to receive full custody of my child. I won sole, legal custody and therefore there are no child support payments to be disbursed. I have attached a copy of the Cancellation of Wage Garnishment Order along with a copy of the Final Custody and Support Orders for reference. The lates that are reporting are false and are seriously harming my credit score. These lates need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Debt collection

TRS recovery services is attempting to collect XXXX debts for Telecheck for " XXXX Returned " ACH Transactions to XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXXXXXX I disputed both of these collections and have not received any information from the company to validate these alleged debts. I requested reporting and collection activities ceased immediately and for the entries be deleted from my Telecheck file report. 

TRS recovery services reference numbers XXXX for $ {$110.00} XXXX XXXX for $ {$420.00}
Product: Credit reporting or other personal consumer reports

This is the email I sent but they have chose to ignore me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Dear XXXX XXXX XXXX While reviewing my personal credit report no XXXX I noticed some inaccuracies In the public records in the public area of my file I am requesting a investigation be conducted and verify that the information on record XXXX is correct. 

I believe this may be a error because these do not belong to. Please verify and amend these mistakes and send me a updated credit report reflecting the accurate information. Thank you for your time XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions was infeasible.

The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also 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, credit repair services, or other personal consumer reports

Three accounts are showing the incorrect status & account balance after contacting the credit bureau. 

XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX - XXXX