23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I hope this letter finds you well. I am writing to formally dispute the accuracy of information contained in my credit report, specifically concerning the reporting of late payments. After a careful review of my credit history, I have identified discrepancies that require your immediate attention and resolution. 

I believe that there are inaccuracies in the reporting of late payments on my credit report, and I request a thorough investigation into this matter. It is of utmost importance to me that my credit report accurately reflects my financial responsibility and standing. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXXXXXX XXXX customer service representative. XXXX  and XXXX have already removed the late payments from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I request that your bureau investigates this dispute promptly and corrects or removes the inaccurate late payments from my credit report. I also request a written confirmation of the corrections within 30 days from the date of receipt of this dispute. 

I understand that the Fair Credit Reporting Act ( FCRA ) requires credit bureaus to conduct a reasonable investigation into disputed items, and I trust that your organization will adhere to these guidelines in resolving this matter.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX, at approximately XXXX hours, I encountered a deeply frustrating and distressing issue with an ATM at Mountain America Bank located at XXXX and XXXX in XXXX, AZ. While attempting to deposit {$610.00} in cash into my XXXX checking account, the ATM malfunctioned egregiously. It accepted the cash, allowed me to confirm the deposit, and then immediately retained both my debit card and the cash, issuing a receipt that inexplicably stated the transaction was incomplete. 

As a member of the military, who has dedicated my life to serving and protecting my country, this situation is particularly disheartening. The added stress and inconvenience of dealing with this malfunction and the subsequent bureaucratic runaround is both demoralizing and unacceptable. 

I have reached out to Mountain America, who have verified their ATM 's cash count and acknowledged the exact discrepancy matching my deposit, yet they refuse to refund the money directly. The funds are trapped in a general ledger, awaiting action from XXXX. XXXX, in turn, has stated that because the transaction never formally processed, there is no way to initiate a claim or dispute, despite the receipt and Mountain America 's confirmation. 

This situation has left me without my {$610.00}, caught in a frustrating limbo between institutions. The lack of a straightforward resolution or accountability in handling my case is profoundly disappointing. As someone who serves my country, I expect a higher level of efficiency and respect in resolving such issues. I urge the involved institutions to address this matter with the urgency and seriousness it demands. All I am asking for is the return of my {$610.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On approximately XX/XX/XXXX I initiated a dispute through XXXX for an item in collection through XXXX XXXX XXXX That debt, assigned XX/XX/XXXX for {$200.00}, is inaccurate. It was paid via XXXX XXXX ending XXXX in the amount of {$130.00} on XX/XX/XXXX. I sent the credit card statement showing that charge, which originated from a XXXX visit on the aforementioned date. Numerous attempts to contact that collection agency via phone and traditional mail have proved unsuccessful, which is precisely why I disputed the transaction. I disputed the transaction via traditional mail since Equifax 's online dispute process refused to recognize me. I received a letter around XX/XX/XXXX, thirteen days after my initial dispute efforts, claiming they needed " additional information to verify my identity ''. I mailed them back the requested copy of my social security card and a copy of my lease agreement. I received another letter on XX/XX/XXXX restating the same information and asking for another copy of my social security card and proof of residency.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX TX opened XX/XX/2018 for {$260.00}. BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A XXXX XXXX XXXX, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my Experian credit report that is showing " closed ''. The account is open and active. I have filed multiple disputes, talked to Experian workers on the phone, and sent them a letter from the creditor twice that states that the account is open, but they refuse to change the status.
Product: Debt collection

i contacted a company Louisiana XXXXecovery services and was told it was for a dental bill and i have no knowledge of account they are reporting inaccurate information
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 XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these Items to be authenticated ( A ). I will take legal action against you if you do not validate these Items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 applied for furniture credit on XX/XX/2020 and i was denied by Synchrony Bank Rooms To Go. They could not tell me why and I was told to wait for the letter. Prior, I received a letter from Synchrony bank stating that credit was denied for outdoor furniture due to incorrect information and I was listed as deceased. Please help.
Product: Checking or savings account

On XX/XX/2020 I have opened Citigold interest checking ( XXXX ) and Saving ( XXXX ) accounts and deposited correspondingly {$1600.00} and {$400.00}. Next day ( XX/XX/2020 ) for no reason my money were blocked and on XX/XX/2020 all my accounts were closed by Citibank. On XX/XX/2020 I received {$400.00} check from my closed Savings account but I'm still did not receive my {$1600.00} from my checking account. I spent many hours on the phone with Citibank 's customer service and I did go to the Citibank branch multiple times regarding getting my money back. Unfortunately nobody in Citibank can help me and I still do not understand how can I get my {$1600.00} back. 

I feel helpless and extremely dissatisfied with Citibank!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to XXXX on XX/XX/2021. I never got a response of results or the investigation. I have attached the letter that was sent.

I sent a dispute to Equifax on XX/XX/2021. I never got a response of results or the investigation. I have attached the letter that was sent.

I sent a dispute to XXXX on XX/XX/2021. I never got a response of results or the investigation. I have attached the letter that was sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted said company several times to resolve this matter but they are refusing to assist me & are being extremely rude and callous to my needs. I currently have an open dialogue with the loan manager at the bank & they're still refusing to correct the information being reported to the credit bureaus.
Product: Money transfer, virtual currency, or money service

i had money sent to my paypal account, shortly after i received a confirmation email that i had received the money. the money shows in my history but paypal is not putting on my balance i have tried multiple avenues of reaching out to paypal ( ive been on hold for 3 hours as of this writing ) and they still have not given me my money, there are also dozens of others with the same issue
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB, Since my last dispute on XX/XX/year>, regarding the disputed account listed in my credit report, nothing has changed. I am writing again to request a detailed description of the investigation process followed by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
Upon reviewing my credit report, I noticed inaccuracies in the reporting of late payments for the account. Specifically : A late payment was reported for XX/XX/year> by Equifax. 
Late payments were reported for XX/XX/year> by XXXX and XXXX. 
These reports are inconsistent with my payment records, which show that all payments were made on time. 
Summary of Discrepancies Inaccurate reporting of late payments in XX/XX/year> and XX/XX/year>. 
Discrepancies in payment status across the credit bureaus. 
Lack of evidence provided to substantiate the reported late payments. 
Request for Investigation and Proof I am requesting a thorough investigation into these discrepancies and immediate correction of any inaccuracies. If the payments can not be updated as on-time, I request : A description of the investigation procedure followed, per 15 USC 1681i ( 7 ). 
Proof supporting the claim of late payments, including specific dates, amounts, and communication. 
Documentation of reasonable procedures adopted to ensure accurate reporting, as required by 15 USC 1666 ( b ).

Legal Obligations Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports should not contain inaccurate information related to transactions between the consumer and the creditor. Failure to correct this inaccurate reporting constitutes a violation of the Fair Credit Reporting Act. 
If, after a thorough investigation, no verifiable proof of late payments can be provided, I demand that the account be promptly updated to reflect its accurate status as " Paid As Agreed Never Late. '' Please provide a written response within 30 days as required under the FCRA. Failure to do so will be considered a violation of the law. 
Thank you for your attention to this matter. I look forward to your prompt response to resolve this issue and maintain the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I can not afford to pay the amount of the income based payment plan and Im unable to sign up for deferment or forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX account # XXXX, has violated my rights.

15 USC 1681 Section 602 States, I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Mortgage

Freedom Mortgage services my account. The account said I owed XXXX. I paid {$1600.00} dollars. They Credited the account. When I got onto the web site it had credited the XXXX but said I still owe {$520.00}! My escrow amount isXXXX. 

I called the company for an explanation on XXXX XX/XX/2019 at about XXXX XXXX. XXXX ( # XXXX ) had no explanation. 

I have not had an explanation on how I can pay off the principle and yet owe more money on the principal. 

He said I needed to have a " payoff amount '' calculated and that there would be a a {$30.00} charge. I asked the reason and he said it was the " law ''. I asked for him to quote the law. After about 20 minutes on hold he told me THERE WAS NO LAW. That the company charges loan payers that amount to tell the payer how much the mortgagee has to pay the servicing agent to pay off the loan.

This is obvious fraud as I was told the amount to pay off the loan is one thing and suddenly another loan principle appear. Further the agent for the company lied that there was a law and then there was no law.

I fail to see why I should pay a company a fee ( read profit ) for them to tell me how much I owe.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX Inquired XXXX XXXX XXXX, XXXX, XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX Inquired on XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit card or prepaid card

on XXXX credit card in the amount of {$5000.00} was opened in my name that i know nothing about. i contacted the company and hey told me that if i made a payment to a collection it would be removed from my credit report, but it was not removed.
Product: Debt collection

My XXXX XXXX debt went to court, was sent to Arbitration XX/XX/XXXX in the amount of {$7300.00}. I received no communication that it was out of arbitration, nor did I receive any communication or notification such as a phone call, letter or summons that it had gone back to court for judgement. I received a letter from my employer payroll dept. for 15 % wage garnishment of my gross pay in biweekly payments, and a certificate of judgement balance from the Circuit Court of XXXX County, IL on XX/XX/XXXX in the amount owed of {$9700.00} plus accruing interest, handled by Blitt and Gaines , P.C . in XXXX, IL. And yes, they have my current address. The debt has been paid ( totaling more than {$10000.00} ) in 22 payments, with the final wage garnishment of 15 % taken out on XX/XX/XXXX. While I find it offensive and wrong that I was never given any communication, my complaint is the final payment owed was only {$290.00}. The took 15 % out which was {$460.00}. I have made more than half a dozen calls requesting they return the difference of {$160.00}. This has been since XX/XX/XXXX. I encounter nothing but rudeness and each time they either state, " the check has been mailed, '' or " there's nothing we can do about the postal system ''. They are in XXXX and I live 3 hours south in XXXX, and the postal system has been slow? It's now XX/XX/XXXX, and I'm tired of calling them. I have faithfully paid this debt off every 2 weeks. I want them to return the extra money they took from my paycheck.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment concerning the ongoing issues I have been facing while trying to correct late open accounts with 3 Credit Bureaus. These inaccuracies have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. I believe it is essential to provide an overview of the numerous attempts I have made : I first noticed the late open accounts on my account and promptly contacted your customer service department. I explained the situation and submitted the required documentation, including [ provide a brief description of the documents submitted. I was assured that the issue would be corrected promptly. After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. Please help me correct the following accounts : XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$2400.00}.
Product: Credit reporting or other personal consumer reports

My alarm system XXXX, charged my bank account in error for equipment that was already paid causing my mortgage payment to bounce from my account. I told XXXX XXXX  and was told I would not be penalized and no adverse reporting to the credit bureau would take place. I told them when I would make the payments this month as I was waiting for XXXX  to refund thousands of dollars from the error that was made. Ive never been late and I believed XXXX XXXX. I have a top secret security clearance for work and XXXX XXXX reported the mortgage as late, my score plummeted and Im at risk at work for action as a result of the negative mark on my credit report. By the XXXX two full payments will be made to XXXX XXXX. XXXX XXXX can schedule the payments if they want assuranceXXXX XXXX XXXX knows this isnt my fault yet Im being penalized and o can even make regular payments now because of the bounced payments from the XXXX issue