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

Experian is inaccurately reporting information to my credit report I disputed inaccurate student loans an eviction and a auto thats way out of the statue of limitations and they dont respond Ive sent countless letters to them student loans show different dates everything is inaccurate and should be removed immediately
Product: Debt collection

XX/XX/year> XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXXXXXX LJ Ross Associates XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Verify Collection Payment Dear Sir or Madam : I am writing to dispute the following information in my file. This item is being reported inaccurately. I never paid LJ Ross Associates the Debut that was paid to the creditor ( XXXX XXXX. I am requesting that LS Ross Associates remove this item from my credit file I am requesting : Evidence that I paid LJ Ross Associates with receipt of payment. 
Verification that this debt was assigned or sold to LJ Ross Associates. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$780.00}, {$130.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$780.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$130.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account.
Product: Credit card

I was charged a {$95.00} annual fee on my XXXX XXXX Capital One credit card ( XXXX ) statement. Before the due date ( XXXX XXXX XXXX  ) of the XXXX XXXX  statement, I wrote a letter asking that my card be closed and the annual fee removed because I would no longer be using the card. The card was paid in full with the exception of the {$95.00} annual fee. Thus, I met the requirements of Capital One. The card was not closed and when I called customer service they confirmed that my letter was received and they waived the late fee and interest charges and stated that the {$95.00} annual fee removal would be " escalated ''. I was assured multiple times that there would be no issue. Perhaps Capital One records these calls and verify that my position is correct. Or, look at the notes that the customer service representative wrote down. Thereafter I kept getting statements with the annual fee and new interest and fee charges. I did not use the card because I considered it closed. When I called again, I was told that it would " escalated '' to the " highest level ''. The annual fee is still present and now Capital One is filing credit notices on my credit report. Capital One should close my account XXXX and remove the annual fee and all other fees and interest. I met the requirements of closure.
Product: Debt collection

On XX/XX/year> I received a letter from Synchrony XXXX XXXX XXXX me a settlement on an outstanding debt. I immediately called and took the offer. Total debt was {$2100.00}, offer to clear debt {$750.00} of which I authorized the agent to take from payment option I had on file. 
XX/XX/year> received the settlement offer stating the agreed upon terms. All of which I fulfilled. 
XX/XX/year> I received an email statement with a balance due of {$1300.00} with a minimum payment of {$46.00} due by XX/XX/year>. 
Therefore by sending me a bill for other than {$0.00} Synchrony XXXX XXXX XXXX in breech of contract. When I called I just get the run around that that was an auto generated bill. Never giving me a truthful answer.
Product: Debt collection

I was contacted by a company XXXXXXXX XXXX XXXXXXXX on XXXX XXXX 2017.  They only call by a blocked number. They called my husband discussing a debt that he had no idea about. The debt is not his. They threatened him that if a payment was not made they will garnish his wages and take his tax returns. When I was able to finally talk to someone at the company they were discussing a debt owed to a company by the name of Military Credit Servies it XXXX XXXX XXXX. The debt is not listed on my credit report, this debt is also 4 years old. The gave me an amount that was higher than I though and demanded if I dont pay the full amount or a down payment that they will garnish my wages and take my taxes. I couldnt afford that down payment so we made an arrangement until the down payment was paid fully and then monthly payments after that until the debt was paid off. Something did not seems right as if it was sketchy so I attempted to contact the original company I originally got the loan from but they could not provide me any information. They said it was sold so they could not provide any information. I contacted XXXXXXXX XXXX XXXXXXXX again trying to get the details of the original loan and what was the amount owed. I wanted to see previous payments and when the payments stopped etc. The guy was pretty demanding and hostile so told me if I keep calling his office to get information he will take off the deal and just garnish my wages and my husbands. He could not provide me with any original details of the debt. He told me to contact the original company. The original company told me to contact XXXX XXXX XXXX. Neither one of them are able to give me anything. The attempted to charge my account for the down payment but I never signed and return the agreement to them until I knew for sure what was going on. They attempted to contact me again saying that they will file a suit against me to garnish my and my husbands wages. I am still not able get any information about this debt.
Product: Student loan

On or about XXXX/XXXX/2015, I telephoned a " Payment Assistance Specialist '' at Wells Fargo. I was told I can not receive any further forbearances and I must pay by XXXX XXXX, 2015. This person was trying to see if my being in " XXXX XXXX '' may help get an in-school deferment, but she thought not. This person offered no information about getting another servicer or modifying the loan. It seems, Wells Fargo wants me to default on the loans! XXXX XXXX University XXXX XXXX XXXX, XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1.XXXX XXXX is reporting my capital one card with a credit an inaccurate credit limit. XXXX XXXX is reporting that capital on cars have an over 2 000 dollar credit line which is not true. These accounts are well under 2000 credit line. 
2. XXXX XXXX is also reporting all capital one card accounts muliple times 3. XXXX XXXX is reporting closed capital one as closed open o - time. muliple accounts as closed open. The closed accounts are not active and with no usage but is being reported as open. 
4. Both of this actions have a negative impact on my credit vintage and XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Alliant Credit Union locked me out of my account on XX/XX/19 after they called me inquiring about a recent transaction which I politely informed them that that's none of their business and hung up the phone. I've already filed a XXXX complaint a week ago but they don't seem to be taking that very seriously.
Product: Checking or savings account

XX/XX/XXXX I called Ally bank to open an account with them. Talking to the employee I found out the account had closed because of insufficient funds. I told them that I still wanted to bank with ally and that I was happy to pay the overdraft that I had not known about. I asked for the amount, they told me the amount, payment method. I asked for this to be sent either email or mail for proof of records and they said they could not send me a record of the over draft amount, or proof my account would be reinstated after the payment. Unfortunately this situation is inappropriate and un-professional. A client should have either electronic or written communication about any transaction, and the fact that my account was closed means I have no verifiable way via app, email, or letter to document this conversation or requests of money from this institution. Because they cant offer this option I now cant open an account with them. I reached out to ally bank and notified them of this problem.
Product: Debt collection

Summary of Events Involving Carrington Mortgage Services , LLC 1. Loan Origin & Transfer A mortgage was originally signed with XXXX XXXX XXXX on XX/XX/XXXX, for {$360000.00}. 

After a few months, discrepancies were identified in the contract, leading to a Notice of Rescission being sent to XXXX under TILA ( Truth in Lending Act ) 15 U.S.C. 1635. 

XXXX reported the loan as paid in full and later issued a 1099-C ( Cancellation of Debt ).

2. Carrington Mortgage Services Becomes Involved Despite the 1099-C debt cancellation, Carrington Mortgage Services began servicing the loan and claiming ownership of the debt without proof of legal standing.

Carrington initiated foreclosure proceedings in XXXX without producing the original promissory note or valid chain of title. 

On XX/XX/XXXX, a Final Judgment of Foreclosure was entered in the state court without due process. 

XXXX. Challenges & Legal Actions Taken The state court judgment was not appealed because the plaintiff was never properly served. 

A federal complaint was filed on XX/XX/XXXX, challenging Carringtons legal standing and violations of federal law. 

Throughout XXXX, multiple motions were filed, including : Motions to Compel Discovery ( Carrington failed to produce key documents ). 

Motion to Dismiss the Foreclosure due to fraud and lack of standing. 

Motion to Lift Discovery Stay ( denied by the court ).

4. Unresolved Issues Carrington never provided the original note despite multiple requests, violating 15 U.S.C. 1692g. 

The foreclosure process continued without proper verification of debt or proof of standing. 

The case was dismissed by the federal court under XXXX XXXX ignoring fraud and due process violations.

A new quiet title action is now being pursued based on : A valid Land Patent protecting the property.

A recorded UCC-1 lien securing the property.

Unlawful actions by Carrington, including attempting to enforce a discharged debt.
Product: Money transfer, virtual currency, or money service

I contacted cash app and XXXX support. They havent did anything about it. This been on going for XXXX years in the amount XXXX ( collectively from both parties
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX account for {$600.00} has been paid off. Experian is reporting The account has been charged off but has been paid in full that its over the credit limit. Please look into Experian due to the fact they keep on saying that this account is 100 % accurate and verified. Meanwhile, the account was on charge status and it paid in full, but Experian is reporting its over the credit limit.
Product: Credit card or prepaid card

I referred my husband thru the referral process. They sent a card we Active the card with my referral number. They refuse to credit. Several different reasons. First they said they sent a card last year but he never received or actived it making it void thru the program However Per there terms of eligibility. No activity 180 days. make them eligible .Today they say they sent a card from randomly from marketing at the same time instead of referral so it wasn't eligible. Sending a card at the same time of referral to my address at the same. time. The information they obtained from my referral. They scammed us into referring people using this information to send. Cards from referrals then saying they were marketing random people and therefore not eligible for referral money.. 
I see this as a scam they steal referral information using it letting customers believe they are going to get rewards when in fact they have no intentions but to use the information for there benefits. Refusing to apply credit often putting me on hold. 
Now after weeks of back and forth Im told my account is not eligible for refer a friend program. when I ask why they put me on hold with no answers. Put me on hold then go blank with obvious the line is still open. I don't plan on hanging up .I have been on the phone the whole time I am writing. No good answers for why they treat customer 's this way.
Product: Prepaid card

My card was made inactive as usual when you go over the limit for your plan in a month, prior to this the amount I had available at that time was XXXX {$.00} it was there until RUSH card system went down then the balance changed to {$0.00} when I access my online account. I 've called customer service several times and have been told the system is still down at this time and no answers for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB XXXX, My dispute is against XXXX XXXX XXXX 's for an account that should not have been in collections, nor should it have been reporting to my credit report. 

There is no existing debt due to the company nor XXXX XXXX. I am writing this request to immediately have this removed from my consumer credit report as it is hindering from being able to move forward with my life. 

I will engage in litigation against XXXX XXXX XXXX 's if this account is not removed within the next 14 days from the submission of this complaint.
Product: Debt collection

This is from years ago, when I really need the money. It was only about 150 dollars. Now they want to settle with over 350 dollars. I said okay, but I cant do it now. He said it has to be done now. He is a legal courier for XXXX XXXX. Where I live. He left me a voicemail today threatening to come get me implying either arrest or something worse. His name is XXXX XXXX he has been calling me non stop and leaving these kinds of voicemails.
Product: Credit reporting, credit repair services, or other personal consumer reports

# XXXX, # XXXX as well as Regular inquires I did not approve of. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 's XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX The regular inquires I did not approve of and took my report without consent I am asking to be removed from credit report. The accounts that have been closed I'm requesting taken off. Kohls has already been paid in full and XXXX did not credit my account for money they had taken from my account. That is why my account was charged off and I called multiple times for them to correct this and they did not. It is not my fault they closed my account and will not refund money to credit my account.
Product: Credit reporting

This account was awarded to my ex-wife in our divorce decree ; she continued to charge and paid until : XXXX XXXX, XXXX, she left a balance of : {$250.00} ; her high balance at one time was : {$4900.00} ; she stopped paying, she did not tell me and when I found out, the card was charged off and closed and now I have this account on my credit reports. My divorce was final in XXXX XXXX. The bills were sent to her address, and I can prove when I moved out in XXXX XXXX and I did not live with her, after XXXX XXXX. As of XXXX XXXX, XXXX ; The Statute of Limitation Law protects me as a consumer, the XXXX anniversary from the last payment, this account is no longer collectible, no one can seek legal action towards me. Please help me remove this account from my credit reports, even though it is a low balance, it is affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$180.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2010 with a balance of {$0.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX XXXX  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 was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat 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 attempted to consolidate debt through a home equity loan with XXXX. I was informed that none of my credit reports could be pulled, and was told to check with each of the three credit bureaus to unfreeze my credit.

Upon calling, creating accounts, and checking if those accounts ( and subsequently, my credit ) were frozen, I found none were frozen nor locked.

I am able to access my credit reports from all three bureaus, but lenders are unable to see my full report nor my credit scores.

I reached out to XXXX on XX/XX/2025 and am filing this complaint on the same day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate and incorrect info on my consumer report. I tried remedying this information for more than 6 Months. this is really been a problem for me. This inaccurate info has made my life a living XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is stating I have a bank card that was recently closed, and no card has been closed on my XXXX  report recently.
Product: Credit reporting, credit repair services, or other personal consumer reports

By law there are statute of limitations for outdated delinquent accounts. This account has been reported since XX/XX/2014 and the statute of limitations has been exceeded therefore removal is required. In addition the lender has also been contacted directly of this matter.
Product: Debt collection

GRANT & WEBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Above company attempting to collect {$1400.00} medical bill that i am unaware of. I have sent certified letters after letters asking them to submit my signed medical contract and they have failed to do so. I need this resolved immediately and removed from my credit report.
Product: Credit card or prepaid card

Paid off Avant card back last year paid {$300.00}. when i told them someone stole my card & account they did not refund any of the money. They locked my account have not sent me one letter and I have not used the card since i paid it off.
Product: Money transfer, virtual currency, or money service

In the beginning, Zelle was incredibly disappointing. I never trusted it because the system lacked essential safeguards. If you accidentally sent money to the wrong person, there was no way to get it back. You were left hoping that the other party would refund you, which, more often than not, didnt happen. The lack of clarity and security made it unreliable, and I avoided using it for quite some time. Now, Im happy to see that theyve implemented features like the Are you sure? prompt to help prevent mistakes and increase trust in the service. While its great that these changes have been made, I cant help but think how much better it would have been if they had been in place from the start.
Product: Debt collection

Person called saying they are representative for a prosecuting attorney that is going after debt accrued at XXXX XXXX  in the amount of {$2000.00}, due to over drafting an account and then not paying. I have never had an account, loan, or credit card with XXXXXXXX XXXX I have also recently filed for XXXX  and this debt was not listed on any credit report, and this party never came forward in any XXXX  proceedings. The person calling had my name, address, and social security number. I did not confirm with them the information was correct, but it was correct. They also called my wife but she did not answer so they only left a voicemail for her. When I originally didn't answer and blocked the number, they called me back from a different number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter that was submitted to the credit bureau shows it was a paid-for deletion account, and they are unwilling to delete the account from the credit report. XXXX has removed the account, but Experian and XXXX failed to comply
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax multiple times and submitted complaints and this issue still continues. I have submitted the same information for this same issue with other bureaus and they have resolved my issues both by correcting this information and by doing so in a timely manner. The following accounts are listed incorrectly XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Some of these accounts resulted in inquires as well 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, credit repair services, or other personal consumer reports

I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with XXXX & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these items. Here is the list of information I need removed/blocked from my credit reports : inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXcount : XXXX XXXX Balance Owed : {$11000.00}.