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

Experian is incorrectly reporting an item on my credit report for XXXX on XXXX XXXX, account number XXXX. This reporting is a violation of the Fair Credit Reporting Act. This account is over 7 years old. Please remove this item from my credit report.
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following accounts on my credit report. 

Equifax : 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 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 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 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 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 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 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 XXXXXX/XX/XXXX
Product: Money transfers

I received an email from " my boss '' asking me to transfer money to another bank account. My boss did not send it. Our domain name isXXXXXXXX, the email was disguised, but our IT person looked into it and discovered it came fromXXXXXXXX ( just XXXX " t '' instead of XXXX. ) The sender attached a pdf, asking for money to be wired to XXXX XXXX, via Compass Bank, XXXX XXXX XXXX XXXX, XXXX, NM XXXX. Routing number XXXX. Acct number XXXX. We did not transfer any funds, but I wanted to make you aware.
Product: Mortgage

To start off, I have been a keybank customer for over 25 years ( before it was even KeyBank, it was XXXX ). 

A few year ago, I opened a HELOC to help with some debt consolidation. 
Almost from the very beginning, there were issues with my payment not be received ( even though it was an auto debit ) .to payments being late ( both of these issues were not my fault, it fact KEY admitted that ). 

I was having some financially troubles, I spoke with XXXX XXXX ( in XX/XX/year> ). 
I explained my issue and asked if I could break up my payment to two payment a month, I was told no, coming up with {$900.00} at one time, with all other bills are due is very difficult. I was told No. I then asked if I could move my payment date. I was also told No. 

I made a payment in XXXX, and then at the beginning of XXXX ( XXXX ) to make my full payment. I understand that my payment was late, but as you can see I was making effort. Instead of trying to work with me, KEY bank dinged my credit and my credit score decreased by over XXXX points. As of XXXX, XXXX, they have put on the credit report that isn't is current. Again I have contacted them and they aren't willing to work with me. 

Resolution : Keybank needs to update my credit report ( with all 3 credit monitoring companies ) and fix my credit score so it goes back up.

Key needs to work with me so I can change my payment date to make things easier. 

I am unhappy.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contact this company and ask them to please Remove all Fraudulent accounts as i have no knowledge of any of these accounts due to the Transunion data breach identity theft. all is being investigated by the FTC, According to FCRA 605B this information must be blocked immediately until the investigation over.
Product: Credit reporting or other personal consumer reports

I sent this request that the credit Bureaus reinvestigate the disputed Items from my credit report as well as correct or update these items from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified public records listed below are still reporting on my credit report in violation of federal law. I'm telling you once again that I did not file for bankruptcy. You are allowing slander on my credit report. Your XXXX  need to be sued if you do not remove this from my credit report. It is inaccurate, incomplete, and NOT VERIFIED! 

XXXX  XXXX BANKRUPTCY XXXX Filing Date XX/XX/2013 Reference Number XXXX
Product: Checking or savings account

I had wired money, $ XXXX to another bank account. I went to the bank to wire. It went through with no problem. About a week later, I was informed all my accounts were closed and would not have access to my money for XXXX days. I called to find out why and was told I would find out when they send me a check of my money. They sent me an email which said the following : XXXX. We periodically review customer accounts and assess account activity. Based on a recent review of your XXXX Account account, we found that you have violated the terms of your account per the client manual. 

I reviewed the client manual and couldnt find why. I requested my money be expedited as I have no money to live on or pay bills. They repeated the protocol is XXXX days. I continued to ask why and told they couldnt tell me. I have inquired XXXX separate occasions to the specialist to expedite getting my money. They told me they would send my request. They have my {$150000.00} and refuse to release it before 60 days. How can they keep my money, do ai get interest, will they let me know anything? It is so frustrating and upsetting that I can not get my money. This had been over 30 days and I get no response. The company is Citibank. I have a credit card from them which still works, but They no longer allow my password to allow me to see my purchases or monthly accounting. This is not the first time I was debanked and had my money held hostage. I appreciate any advice on how to get my money back.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; CHILDSUPPORT XXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$5600.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX  Balance : {$530.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$480.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my Transunion consumer report, I notice unauthorized and fraudulent credit inquires made by the following companies ... Block and remove all Inquires listed below resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c- ( 2 ) which states that these inquires must be removed within 4 Business Days of receipt. I have also mailed out a FTC report to Transunion. 

XXXX XXXX  - XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX
Product: Mortgage

During payment process of my loan, the mortgage servicing company failed to withdraw one of the monthly payments. I called them on this several times, had it escalated but was told each time that everything was current on the loan and to just leave alone. Ive have never missed a payment. 
Later, I refinanced my mortgage with a new lender. The original loan was paid off and I received the released of the deed of reconveyed as confirmation. 
3 weeks later the original mortgage company reached out to escrow saying that the payoff was short. Escrow asked for explanation and none was given. I mentioned to escrow what was probably the cause of the issue but then the mortgage company returned the money back to the escrow company and re-open the loan. 
Ever since myself and escrow have been trying to work with them on this. The mortgage servicing company has been investigating but at the same time is sending me foreclosure warnings and now want to move forward with it. 
They have found part of what caused the problem on their side but are now refusing to address the issue and want to charge me for additional payments ( on top of the one they failed to withdraw ) after the loan was closed when I refinanced.
Product: Credit card

On XXXX XXXX, 2015, I contacted Capital One regarding my secured credit card account. At that time I spoke with a representative regarding payment arrangements due to my unemployment status. The representative stated that if I made a payment in the amount of {$15.00} it would prevent the security deposit from being applied to my account and the account closed. Furthermore, the representative stated I should make payments in the amount of {$25.00} to bring my account balance in order. On XXXX XXXX, 2015, I checked my account and noticed that my security deposit was applied to my account on XXXX XXXX, 2015. I immediately contacted Capital One and spoke with a supervisor who stated Capital One would not reopen my account and the information provided to me on XXXX XXXX, 2015, was incorrect. I found this response to be unsatisfactory as Capital One should honor the information provided to me on XXXX XXXX, 2015.
Product: Mortgage

In 2013, We went through months sending and re sending documents to " XXXX XXXX XXXX ''. For a modification, Harp or other wise. In the end XXXX XXXX XXXX kept our 6 % interest rate and changed us to a XXXX YEAR LOAN ... Not changing our payment enough, but makes nag them a lot more money. 
Right after that they sold our loan to Nationstar mortgage ... 

We 've checked on XXXX but though they claim to be able to get us a lower rate ... it will add XXXX dollars in fees back to the loan
Product: Credit reporting or other personal consumer reports

RE : Inaccurate Credit Reporting ( 15 USC 168152 ) To whom it may concern, 1 I am writing this to inform you that i have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. following account ( XXXX XXXX XXXX and XXXX ) is reporting a balance of ( {$17000.00} ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a form 1099C as proof or evidence thereat. And that because of my fact, this debt is cancelled and at least should not reflect the balance that is currently shown of ( {$17000.00} ) on my consumer file. This is canceled debt, the company has filed it on their taxes but they also are reporting it on my credit report as debt, doesnt make sense at all. A charge off is considered ordinary income so how could it be furnishing on my credit report as debt. The IRS states that this company was supposed to send me a 1099c form so I can file the ordinary income. They havent sent me none of that so now they are in violation of USC 1681EB, it speaks on maximum accuracy of the consumer report. So this item has to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its illegal obligation under the Fir Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. I have sent all documents requested. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

Hi there so I use Wise to transfer and receive money from people that live internationally. I had XXXX taken from wise in the form of two payments. The money was taken on XX/XX/2022 at XXXX XXXX eastern time. The transaction type was direct debit payment. I did not authorize this payment nor did I add this recipient to my wise. I have two factor authentication on my wise account but did not get notified of this at all. I have tried to contact wise by phone and email but have not received any responses I even messaged their XXXX  account but to no avail.
Product: Mortgage

PHH acquired the servicing of my mortgage on XX/XX/XXXX. My homeowner 's insurance renewed on XX/XX/XXXX. PHH notified me that my insurance had expired, despite renewal with the same insurer XXXX XXXX XXXX ). I've placed four calls to PHH to attempt to resolve this issue so that they don't force place an unnecessary policy. The first resolution method provided by PHH was to upload my new binder to XXXX XXXX XXXX This website didn't work when I tried it on two different computers, using two different browsers. When I contacted PHH, they provided me with an email address to email the insurance. When I tried that, I received a bounce-back nearly 24 hours later stating that there was something wrong on the recipient end.

I want this issue resolved, but none of the resolutions work, and I no longer wish to run in circles. I've been reasonable in trying to accommodate their request, and have spent more than enough time to resolve the issue.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX, my credit score was XXXX. As of XX/XX/XXXX, I was alerted by XXXX XXXX that my score dropped by XXXX points. As this caused me great alarm, I looked into it and found that I had been sent to collections at XXXX XXXX XXXX for a bill originating from XXXX XXXX XXXX for in arrears for approximately {$4000.00}. 

I have never ( in my life ) had an account with XXXX XXXX XXXX and believe that this is fraudulent. I submitted a dispute with Equifax who stated that the disputed information was confirmed to be me ; I submitted a dispute with XXXX who deleted this fraud from my credit report. As of this note, I have submitted a fraud claim with XXXX XXXX XXXX and have not heard back from them.
Product: Checking or savings account

On XX/XX/XXXX I called Wells Fargo to close my savings account and one of my checking accounts because they started charging fees. On XX/XX/22 Wells Fargo closed the wrong checking account. They took the money out and sent it in a cashers check, leaving me with no money till I received the check, almost 7-8 days. I called them on the XXXX and asked why it was closed, they said they made the mistake of closing the wrong account and they would start a case on this. They told me they could not reopen the account leaving me to take time off work ( not paid ) to get all of my bills that come out of that account moved to somewhere else. I also had checks out that were returned because of this. I have not heard back from them since. I have called twice and sent complaints online through Wells Fargo website.
Product: Credit reporting or other personal consumer reports

OVER SEVERAL DECADES I CAN NOT GET FLAGSHIP CREDIT ACCEPTANCE TO REMOVE THE NEGATIVE STATUS OF 60 DAYS LATE ON MY CREDIT REPORTS. ACCOUNT SHOW OPEN AND IS AFFECTING MY CREIDIT WORTHINESS WITH OTHER CREDITORS. PLEASE REMOVED AND SHOW ACCOUNT IS PAID / CLOSED AND REMOVE FROM ALL 3 MAJOR CREDIT AGENCIES. XXXX XXXX SHOULD SHOW I OWN VEHICLE BUT FLAGSHIP HAS NEVER UPDATED THIS.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 had paid off the loan early in XX/XX/XXXX and was expecting to have my score updated because it significantly affecting my credit score and preventing me from getting approved for my student loan I need this semester urgently As soon as possible. 

i have filed more than 5 disputes to Experian including documentation stating that the loan has been paid. I even call Experian to do it a different way yet I still keep getting the same results saying the the company affirm reported the information is accurate when its clearly not. Especially when they website itself generated a certificate document stating that the loan has been paid completely! its reported false incorrect information! 

I need this fixed fast! 

I checked on XXXX and that balance isn't shown there only in Experian so they need to properly recognize it and update it
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have appeared on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following fraudulent accounts and inquiries be blocked and deleted from my credit report : Fraudulent Accounts to Be Blocked and Deleted : 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 XXXXXX/XX/XXXX
Product: Debt collection

NE Credit Collections is reporting to my XXXX credit file a collection in the amount of {$640.00} with a delinquent/open date of XXXX/XXXX/XXXX for XXXX XXXX XXXX. After research, I found that XXXX XXXX XXXX is located in XXXX XXXX XXXX. I have not lived in XXXX XXXX XXXX since XXXX. I lived in XXXX, XXXX from XXXX, then moved to XXXX in XXXX XXXX to XXXX XXXX. I have been at my current residence in XXXX since XXXX XXXX. They are in federal violation of inaccurate reporting/re-aging a debt with a delinquency date of XXXX/XXXX/XXXX. Furthermore since I have lived at my current address since XXXX XXXX, they are in violation of not sending out a 30 day collection activity letter to me for validation of debt as this debt was paid by medical insurance in full a long time ago. I disputed with XXXX but NE Credit Collectors came back to XXXX that it was mine debt and it remained on my credit file as disputed. This has caused me to be denied credit at times and caused harm to my credit file. I can prove my residence dates and if this is not deleted immediately, I would like FCRA penalties and fines levied on NE Credit Collection and proceed with litigation. This is inaccurate reporting of dates and a debt not owed and should be deleted immediately. This is also a HIPPA privacy violation.