23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

This debt has been showing up repeatedly on my credit report and repeatedly I have requested documentation with my signature and have NEVER received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a copy of the Consumer Financial Protection Bureau order of 2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the 2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on XXXX, Equifax and XXXX XXXX  respectfully. Since the 2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.
Product: Prepaid card

Well I bought a visa gift card for the second time now and both times the same problem happened while trying to buy something I really really wanted to get i even had more then enough money on card but it just wouldn't work there no good reason. For this I contacted them and just like before the person I spoke to said eather they are someone else working there flagged the transaction and they also said they froze the card after I tryed buying the item they said they'd unfreeze it and I could try again I did same problem I contacted them again same thing till I finally gave up I'm just vary upset if I new it would happen everytime I wouldn't have waisted my money like that man so that's all the info I have I hope you can help me
Product: Consumer Loan

Capital One Auto Finance continues to take up to 3 months or 60 days plus to report my on time payments to all XXXX Bureaus. For example my on time Patment for XXXX XXXX 2015 was reported on XXXX XXXX TH 2015 this is wrong and hurts my XXXX scores. XXXX 's and XXXX still has not been reported as paid either. It should ( not ) take them 80 days. This is not ( accurate ) reporting. If your late/ pastdue they report you immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs : I opened a loan with XXXX XXXX in or around XX/XX/XXXX. I made my payments on time until XX/XX/XXXX when i experienced some financial difficulty. I made up all payments for two months missed in XX/XX/XXXX, and I have not missed a payment since then. I have contacted my local XXXX XXXX in XXXX, VA due to the credit reporting error and they agree with me that it is incorrectly reporting to the credit bureaus or the credit bureaus are incorrectly reporting it. The local branch sent me the account ledger showing my payments have been posting correctly. I believe this is a violation of the FDCPA. The loan is reporting in collection and charged off as of today and has been reporting since last XX/XX/XXXX to be in collections. This is incorrect per the local branch and my evidence.
Product: Money transfer, virtual currency, or money service

Zelles money to wrong person could not retrieve back to send to correct person.
Product: Student loan

I applied for XXXX in XXXX. Yesterday I finally received a count of qualifying payments, and it is only XXXX of XXXX. By my count I have nearly XXXX payments that should qualify. I don't know how they could get it so wrong. There are entire years they are not counting. The letter mentions the waiver at the top, but the entire rest of it is full of pre-waiver information and processes. Anyone reading it without knowing extremely detailed information about the waiver from their own research would read the letter and think that is the end of the road. The only option on the letter is to call if you disagree. I waited on hold XXXX hrs last night, they finally answered and said they have nothing to do with the waiver, all of that is handled by XXXX. of XXXX. They said they are not allowed to talk about the waiver terms nor mention it in their letters as it has nothing to do with their company. They stated that " they have heard '' that there is supposedly a XXXX review coming for those that have XXXX qualifying payments by XXXX of XXXX XXXX " at some point before XXXX ''. Their letter does not say anything about a XXXX review, it was all verbal. And, they have undercounted my payments to XXXX XXXX that I don't have XXXX per their count, so I won't even qualify for the XXXX review by XXXX. of XXXX, if there even is XXXX! I knew the process was broken, I had no idea it was this broken. I attempted to file a complaint, but could not get any confirmation number or ticket number for the complaint, even after going to a supervisor. They agreed to send me a letter documenting my concerns, but when they sent the letter it is boilerplate text that does not address me at all, and restates the same wrong counts. I need help getting them to tell me the truth, state the process clearly, count my payments correctly, and pass my file on for the XXXX review they say I am not eligible for because they have miscounted my payments. I thought everyone was eligible, isn't that the whole point of the waiver? What is the point of submitting through FedLoan if they are not going to follow the terms of the waiver anyway? Why not just submit directly to XXXX XXXX XXXX for review? FedLoan should be forced to update their letters to reflect current realities of the XXXX waiver. Their letters and website are extremely misleading and send the message to everyone that the waiver never happened. Also, the only option to contact them is by phone. The agent complained to me they are getting XXXX calls per hour. Well, if their letters were more informative and accurate, so many people would not need to call! And, they have turned off the chat function on their website, and don't respond to emails, I have sent them XXXX in XXXX weeks with no answer.
Product: Debt collection

I have constantly tried explained that these account were open fraudulently. I have awaited a letter in the mail to dispute this and I have not received that. Every call I get from this company, I have explained that I am waiting on a letter to complete the next steps in disputing these accusations.
Product: Mortgage

XXXX XXXX has been collecting payments since the origination of the note 2005 XXXX XXXX does not have signed account servicing agreement for them to service XXXX XXXX is owned by Fidelity Title Fidelity Title owns XXXX XXXX That creates a conflict of interest
Product: Credit reporting, credit repair services, or other personal consumer reports

Great lakes needs to put me on repayment and accurately report the amount I owe to the credit bureaus. I am being harrased by great lakes. There is also XXXX XXXX with case number XXXX and his number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Phoenix Financial Services ( PFS ) called me in XXXX asking for payment on a auto loan that was repossessed in XXXX. After talking with the rep I told them I had no intentions of paying the debt and the call was ended. A few weeks following the call I pulled my credit reports to get updated information and I saw that PFS had placed a new account on my credit reports on date XXXX dropping my FICO score of 28 points. I called the company after reviewing the information on my reports and explained some of my concern with the rep that took my call. She informed my that she would get a manager on the phone with me. I was then transferred to a manager/supervisor. He asked me to verify some information for him and some of the information he had on his file was incorrect such as my date of birth .After asking this information he stated that the debt isn't " new '' but that the date the account shows on my credit report must be the date they received the account. He did not even see that they had placed anything on reports, at which point I advised him they had and he needed up to date information. I asked the manager if this was a example of aging an old debt, and he advised me that no it was not, and once ( if ) the account leaves their office it would be removed from my reports. I then explained the original account from XXXX is now going on four years old and according to my reports it now looks as if this account just happened last month. He then stated they are here to help me get it off my reports by offering me a settlement. After rejecting this offer, he then said the call was wasting both our times, and I should seek legal representation. I then ended the call.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX, XXXX, TX XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.

1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected.

Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
2

. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX Email : XXXX XXXX
Product: Credit card or prepaid card

I disputed a transaction that i did not approve and my credit went down
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is been reporting on my credit since 2012. Its been almost 7 years and still reports with the new collection that buys the debt on my credit and this is affecting me and my children since this collection has me unable to buy a house to provide for my chcildren. 

It reports to the three major bureau credit and I need this to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

THEY HAVE REPORTED I OWE FOR A DEBT THAT ISNT MINE ALSO KEEP CHANGING DATES ON THE REPORT MAKING IT LOOK NEWER I REACHED OUT ASKED THEM TO TAKE IT OFF MY CREDIT REPORT AND OR SEND ME PROOF THEY HAVE FAILED TO DO SO I NEED HELP IN GETTING THIS OFF MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

someone has been using my identity to open fraudulent accounts. I sent this in XXXX time already and Experian responded I need to resubmit with proper paperwork to verify my identity and address
Product: Vehicle loan or lease

Please reference prior CFPB complaint XXXX. Despite the company 's admission of error and statement in their CFPB response letter that they would correct the credit reporting errors, the referenced payments still reflect on my credit report as 30 or 60 days late. 

Subsequent to my previous issue, the company is reporting 30 days late on my XX/XX/2018 payment, which is incorrect. The payment was made late, but was not 30 days late. It needs to be removed from my credit report. 

I am attaching the company 's response to my prior CFPB for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights XXXX5 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I used to live at XXXX XXXX XXXX in XXXX VA. 

My lease terminated normally, I gave notice and moved. When I moved ( 3 days prior to the end of the lease ) I properly exited the premises. 

I had give Deposit + pet Deposit + 1 month rent ahead of moving in. 

They are attempting to charge me for moving out. I did not owe anything. 

They said I used the trash service, to have items removed after my move out, which I did not.
Product: Mortgage

I am writing to formally lodge a complaint against JPMorgan Chase Bank in connection with the handling of my refinance application. Throughout this process, the bank 's actions have been marked by significant procedural failures, inaccuracies, and unprofessional conduct, which have adversely affected my refinancing experience. The following issues occurred during my dealings with JPMorgan Chase : Failure to Communicate : My calls and emails were consistently ignored, resulting in undue delays and a lack of transparency throughout the refinance process. Additionally this caused us to miss our agreed upon closing date, rescheduled date, and push to the final days of the rate lock to complete closing. 

Inaccurate Loan Disclosures : The loan estimates I received contained incorrect figures and assessments each time disclosures were issued. This repeated inaccuracy impeded my ability to properly assess the loan terms. 

Title Pricing Issues : The bank failed to verify the Title pricing until XXXX week prior to the closing date. After that, a credit of {$500.00} was initially requested to be added to my loan, only to be denied XXXX hours before closing. This left me without adequate time to engage a new title company. 

Delays Related to Relationship Rates : The bank deliberately prolonged the engagement of a banker, seemingly to take advantage of relationship rates, which contributed to the closing being delayed. 

Unprofessional Conduct : Throughout this process, I encountered unprofessional behavior, including a lack of responsiveness and misleading information. 

These failures collectively demonstrate negligence, lack of professionalism, and a disregard for customer welfare. I respectfully request that the Consumer Financial Protection Bureau investigate these actions taken by JPMorgan Chase Bank and take appropriate measures to ensure such misconduct does not continue.
Product: Debt collection

XXXX XXXX reported a {$28000.00} debt to all three credit bureaus without providing written documentation or validation to verify the debt 's authenticity. Attempts to contact them via email at XXXX have been unsuccessful as the email is blocked. This inaccurate reporting has significantly impacted my credit scores adversely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX XXXX XXXX. I have always made my payments on time. I recently decided to look at my credit report to see my fico scores, and then I realized that there was a late payment showing on my credit report. As you can see, I have always had a stellar payment record with XXXX. I tried contacting both XXXX, XXXX, TransUnion, and XXXX with no successful resolution. XXXX, XXXX, and TransUnion are reporting me 30 days late. This is definitely an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am following up an ongoing dispute, Transunion response is that they are " unable to locate credit report ''. My consumer credit report is reporting negative items from Transunion. This dispute has been going on since XX/XX/2021, please have them remove the negative items.
Product: Mortgage

Mortgage servicer lost my cashiers check and is reporting it as 30 days late on my credit report. This was my first payment. I mailed it to my original servicer, XXXX, and it was never applied to my loan. I feel as though I am being the target of predatory servicing.
Product: Checking or savings account

My name is XXXX XXXX today I was in branch Wells Fargo Bank XXXX XXXX XXXX XXXX, XXXX, PA XXXX Phone : ( XXXX ) XXXX to get my debit card and account unblocked and also to get my XXXX unblocked and bank online access unblocked and money wire transfer access unblocked and mobile deposit unblocked and when she called in the agent told her everything was unblocked but that was a lie the agent only unblocked the bank online access and only also unblock the mobile deposit access and whe the banker worker call back in to get the XXXX unblocked and money wire transfer unblocked she couldn't get it unblock they claim their system was done over a glitch and the banker worker ask the agent if I should wait at the bank and she will call back or could I call customer support to get the XXXX and money transfer unblocked and he said yes he would also add a note to my account stating I was fully verified and I didn't have to verify again when I call in they would straight help me when I have called in the customer support and tell the agent I need my XXXX and money transfer to be unblocked she transfers me to another department and I told them the issue I was at the bank and they say they couldn't help me I need to go back in the bank and have the agent call them and when I told them everything both agents did and say and they blocked my online access again for no reason when I have called in my online bank username is XXXX I want y'all to unblock the XXXX and unblock the online bank access and unblock money transfer because I been having this issue with y'all and can't get it resolved for fixed the right way for months and almost a year now and I am getting tried of this and I have to keep going to the bank for no reason to get a issue when they sometime can't help you out right or sometime can't help or get it resolved or fixed the right and sometime I can't go to the bank I don't have transportation and I want y'all to unblock my bank acesss and unblock my XXXX and unblock my money transfer and unblock mobile deposit access and the branch worker who was helping me was XXXX  and her email was XXXX and I also am requesting a one-time account credit for this issue for {$2000.00} to {$3000.00} for this issue y'all giving me or can't resolve for me or y'all can give me any account credit y'all want for my issue y'all workers or giving me for no reason My name is XXXX XXXX phone number is XXXX or XXXX you can contact me at both phone numbers and contact me at email is XXXX please also add this to my complaint XXXX CFPB look at the attached below of the issue I am facing and account number is for wells fargo account XXXX.
Product: Credit reporting or other personal consumer reports

This Bankruptcy accountis being reported on my credit report as if they arethe furnisher, then this account is reporting inaccurately and needs to be deleted since they are violating 15 USC 1681e ( b ) by keeping my credit report from reporting 100 % accurately. This Bankruptcy needs to be removed from my file. 
XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2020 Reference XXXX XXXX XXXXXXXX